Buzz you and I have flown together, I even bought your book after that. That was back in my 737 days. Not well to do either, just changed the way I manage my funds. I don't put much of it at risk through options trades, but I do get my best returns. I short UVXY and VXX, and am long SVXY and XIV. Look up their one year charts, almost a no brainer, but you do have to have an understanding of derivatives.