Great article! Unfortunately, I feel like the "bad guy" when I am recklessly trading options. When you hit a big one it is like "How the fuck is this legal?"

You could argue though that by utilizing your allocation system there is no downside to allocating for investing in stocks as well. I mean, your travel fund is a guaranteed 100% loss, so you could argue it is more risky than investing in the stock market because with stocks you could at still earn some cheddar. I would keep my travel fund allocation in stocks actually, then pull it out when I want to travel.