First one is always free. Gtfo and put it in a high yields ETF like SCHD and first 44k of dividends are tax free. Not FA but that's what I would fucking do. You can then give your dividends to charity like you mentioned.

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Doesn’t matter how much I have, if I’m down 10% from what my total account balance was last week I’m parking everything in SCHD and not touching options again

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Sad no SCHD?

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