🔥 The F.I.R.E Engine

How I’m Building a Passive Income Machine (One Covered Call at a Time)

Let me be straight with you:

I’m not a financial guru.
I don’t own ten rental properties.
And I’m not here to pitch you a course that promises freedom while I secretly make money selling you the course.

I work long shifts. I’ve got a family. And like a lot of people, I started wondering…

“Is there a way to make money while I’m working, without gambling or babysitting charts all day?”

So I started building something.

I call it the F.I.R.E Engine—short for Freedom Income Reinvestment Engine.

And yeah, it might blow up in my face.

But if it works, you’ll see exactly how I did it. And if it doesn’t, you’ll get a front-row seat to my slow-motion financial faceplant. Either way, it should be fun.

🔧 What Is the F.I.R.E Engine?

It’s a covered call strategy built for people who don’t have a ton of money but do have a bit of grit, patience, and Wi-Fi.

Here’s the recipe:

Buy 100 shares of a stock (I started with $RUM).
Sell a call option against those shares—basically renting them out.
Someone pays me cash (called a premium) for the right to buy them at a set price.
If the stock goes up? I might have to sell them at a profit.
If it doesn’t? I keep the shares and the premium.
Use the premium to buy more shares, and repeat.

It’s not sexy. It’s not risky.
But it works—like a snowball with a steering wheel.

🛠 Why It’s Called an Engine

Because once it starts rolling, it feeds itself.

The shares give you the ability to sell calls.
The calls pay you in premiums.
The premiums buy more shares.
The new shares give you more calls to sell.
More calls = more income.
More income = faster growth.

You’re not just stacking cash. You’re building a machine that stacks itself.

And the more it grows, the less you have to do.

🔐 Why It’s Safe(ish)

There’s no such thing as “no risk” — but this is about as calm as options trading gets:

You already own the shares, so you’re not on margin.
If the stock rises, you profit.
If the stock falls a bit, you still collected premium to soften the blow.
And if it tanks completely… well, then we cry together and restart the engine.

You’re not trying to beat the market. You’re trying to build your own paycheck.

💸 What If You’re Broke?

Good. That’s where I started.

This isn’t for guys with private equity portfolios. This is for people who:

Work 10-hour shifts
Budget like their life depends on it
Want to slowly claw their way out of financial dependence

You don’t need $10,000. You need enough to buy 100 shares of a stock—preferably a cheaper one with solid weekly premiums (again, I use $RUM right now).

Even a $20 premium per week adds up when you reinvest. The key is:

Don’t spend it. Stack it.

Let the machine grow. Snowballs don’t start big. They start small and roll consistently.

🎯 What’s the Goal?

Simple:
Replace my job income with contract income.

Not all at once. Not with risky bets. But piece by piece.

$20/week
Then $40
Then $100
Until one day, I look at my portfolio and realize I don’t have to clock in anymore.

It might take years. But if I’m going to be working anyway… why not let my money work alongside me?

📝 What You’ll See Here

Every Weekend, I post my weekly logbook:

What trades I made
What premiums I earned
Any rolls, mistakes, or reinvestments
And maybe a meme or two to keep it interesting

I call these posts “RUMbles” — because I started with $RUM, and it just sounded cooler than “F.I.R.E Engine Log #3.”

If I change stocks later, the strategy stays the same.
The stock is the fuel.
The F.I.R.E Engine is the machine.

🎁 Want to Start Your Own F.I.R.E Engine?

If you’re ready to try this out, Robinhood is the app I use. It’s clean, free to use, and lets you sell covered calls without all the extra noise.

If you sign up with my link, we’ll both get a free stock — no strings.
Could be Ford ($F). Could be something random.
Either way, it’s fuel for your engine.

👉 https://join.robinhood.com/ryanr886

Start small. Let it grow. Don’t overthink it.

🧯 Final Thought

This strategy isn’t going to make headlines.
It’s not flashy.
But you know what?

Freedom doesn’t come from excitement. It comes from ownership.

I don’t want to gamble. I want to build.
Something boring. Something consistent. Something mine.

Welcome to The F.I.R.E Engine.
Strap in, check the oil, and let’s roll.