"" I also sell annually the lowest cost puts available. For Jan 2024 $140, Jan 2025 $140, and $190 for Jan 2026. All below current BV at the time.

I focus very much on having all of my options expire worthless."" Congrats, obviously you have a very substantial net worth. For others in a lower net worth bracket, you are tying up lots of cash to secure those far out of the money puts you are short, for a very low return. IF, you are using aggressive margin, you are tying up less cash but, for younger investors, not a great way to build wealth long term. The good news is the cash securing the short puts is now earning 5 % plus. BTW, in over 50 years in this game, being short puts on margin, is one of best ways to get into serious financial trouble, or worse. BRK seems , safe to me, BUT, crazy things have happened over the past 50 years. Good luck.