Wall Street borrows at 4%. You're paying 12%. Here's how to fix that.

Box spreads are a corner of the options market Wall Street has used for decades to borrow cheap against their portfolios. It's been available to retail investors for years. Most people have no idea it exists. This site explains what it is, how the math works, and how to actually do it.

Start with the basics →

What is this site?

  • This is an education site. The goal is that you read this and can do it yourself.
  • If you'd rather hand it to a professional, there are firms that manage it for you — they charge a fee, but it's still well below what you'd pay on a mortgage or margin loan.
  • Nothing here is investment or tax advice. Talk to your CPA.
Read the full disclosure →