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		<title>Heather Cullen : In The Money Online</title>
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		<description><![CDATA[Heather Cullen : In The Money Online]]></description>
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			<guid><![CDATA[https://heathercullen.com/askitm/]]></guid>
			<link><![CDATA[https://heathercullen.com/askitm/]]></link>
			<title>Ask ITM</title>
			<pubDate><![CDATA[Wed, 16 Sep 2026 07:50:11 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://heathercullen.com/itm-companion/part-4-navigating-the-tides/ch-22-stay-the-course/]]></guid>
			<link><![CDATA[https://heathercullen.com/itm-companion/part-4-navigating-the-tides/ch-22-stay-the-course/]]></link>
			<title>Chapter 22 &#8211; Stay The Course</title>
			<pubDate><![CDATA[Wed, 16 Sep 2026 07:31:26 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://heathercullen.com/itm-companion/part-4-navigating-the-tides/ch-21-itm-sanity-handbook/]]></guid>
			<link><![CDATA[https://heathercullen.com/itm-companion/part-4-navigating-the-tides/ch-21-itm-sanity-handbook/]]></link>
			<title>Chapter 21 &#8211; ITM Sanity Handbook</title>
			<pubDate><![CDATA[Wed, 16 Sep 2026 07:30:26 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://heathercullen.com/itm-companion/part-4-navigating-the-tides/ch-20-tools-and-traps/]]></guid>
			<link><![CDATA[https://heathercullen.com/itm-companion/part-4-navigating-the-tides/ch-20-tools-and-traps/]]></link>
			<title>Chapter 20 &#8211; Tools and Traps</title>
			<pubDate><![CDATA[Wed, 16 Sep 2026 07:26:53 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://heathercullen.com/itm-companion/part-4-navigating-the-tides/ch-19-leverage-and-protection/]]></guid>
			<link><![CDATA[https://heathercullen.com/itm-companion/part-4-navigating-the-tides/ch-19-leverage-and-protection/]]></link>
			<title>Chapter 19 &#8211; Leverage and Protection</title>
			<pubDate><![CDATA[Wed, 16 Sep 2026 07:25:50 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://heathercullen.com/itm-companion/part-4-navigating-the-tides/ch-18-keeping-your-balance/]]></guid>
			<link><![CDATA[https://heathercullen.com/itm-companion/part-4-navigating-the-tides/ch-18-keeping-your-balance/]]></link>
			<title>Chapter 18 &#8211; Keeping Your Balance</title>
			<pubDate><![CDATA[Wed, 16 Sep 2026 07:24:46 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://heathercullen.com/itm-companion/part-3-hunting-the-bear/ch-17-the-biggest-and-baby-bears/]]></guid>
			<link><![CDATA[https://heathercullen.com/itm-companion/part-3-hunting-the-bear/ch-17-the-biggest-and-baby-bears/]]></link>
			<title>Chapter 17 &#8211; The Biggest and Baby Bears</title>
			<pubDate><![CDATA[Wed, 16 Sep 2026 07:23:35 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://heathercullen.com/itm-companion/part-3-hunting-the-bear/ch-16-the-longest-bear/]]></guid>
			<link><![CDATA[https://heathercullen.com/itm-companion/part-3-hunting-the-bear/ch-16-the-longest-bear/]]></link>
			<title>Chapter 16 &#8211; The Longest Bear</title>
			<pubDate><![CDATA[Wed, 16 Sep 2026 07:21:57 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://heathercullen.com/itm-companion/part-3-hunting-the-bear/ch-15-buying-the-bear/]]></guid>
			<link><![CDATA[https://heathercullen.com/itm-companion/part-3-hunting-the-bear/ch-15-buying-the-bear/]]></link>
			<title>Chapter 15 &#8211; Buying The Bear</title>
			<pubDate><![CDATA[Wed, 16 Sep 2026 07:20:44 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://heathercullen.com/itm-companion/part-3-hunting-the-bear/ch-14-taming-the-bear/]]></guid>
			<link><![CDATA[https://heathercullen.com/itm-companion/part-3-hunting-the-bear/ch-14-taming-the-bear/]]></link>
			<title>Chapter 14 &#8211; Taming The Bear</title>
			<pubDate><![CDATA[Wed, 16 Sep 2026 07:19:47 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://heathercullen.com/itm-companion/part-3-hunting-the-bear/ch-13-can-you-bear-it/]]></guid>
			<link><![CDATA[https://heathercullen.com/itm-companion/part-3-hunting-the-bear/ch-13-can-you-bear-it/]]></link>
			<title>Chapter 13 &#8211; Can You Bear It?</title>
			<pubDate><![CDATA[Wed, 16 Sep 2026 07:18:36 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://heathercullen.com/itm-companion/part-3-hunting-the-bear/ch-12-the-nature-of-the-beast/]]></guid>
			<link><![CDATA[https://heathercullen.com/itm-companion/part-3-hunting-the-bear/ch-12-the-nature-of-the-beast/]]></link>
			<title>Chapter 12 &#8211; The Nature Of The Beast</title>
			<pubDate><![CDATA[Wed, 16 Sep 2026 07:14:37 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://heathercullen.com/itm-companion/part-2-riding-the-bull/ch-11-other-players-spyg-qqq/]]></guid>
			<link><![CDATA[https://heathercullen.com/itm-companion/part-2-riding-the-bull/ch-11-other-players-spyg-qqq/]]></link>
			<title>Chapter 11 &#8211; Other Players: SPYG &#038; QQQ</title>
			<pubDate><![CDATA[Wed, 16 Sep 2026 07:03:06 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://heathercullen.com/itm-companion/part-2-riding-the-bull/ch-10-were-in-the-money/]]></guid>
			<link><![CDATA[https://heathercullen.com/itm-companion/part-2-riding-the-bull/ch-10-were-in-the-money/]]></link>
			<title>Chapter 10 &#8211; We&#8217;re In The Money!</title>
			<pubDate><![CDATA[Wed, 16 Sep 2026 07:01:53 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://heathercullen.com/itm-companion/part-2-riding-the-bull/ch-09-getting-in-and-out/]]></guid>
			<link><![CDATA[https://heathercullen.com/itm-companion/part-2-riding-the-bull/ch-09-getting-in-and-out/]]></link>
			<title>Chapter 9 &#8211; Getting In &#038; Out</title>
			<pubDate><![CDATA[Wed, 16 Sep 2026 07:00:10 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://heathercullen.com/itm-companion/part-2-riding-the-bull/ch-08-dont-trade-angry/]]></guid>
			<link><![CDATA[https://heathercullen.com/itm-companion/part-2-riding-the-bull/ch-08-dont-trade-angry/]]></link>
			<title>Chapter 8 &#8211; Don&#8217;t Trade Angry</title>
			<pubDate><![CDATA[Wed, 16 Sep 2026 06:58:52 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://heathercullen.com/itm-companion/part-2-riding-the-bull/ch-07-never-go-naked/]]></guid>
			<link><![CDATA[https://heathercullen.com/itm-companion/part-2-riding-the-bull/ch-07-never-go-naked/]]></link>
			<title>Chapter 7 &#8211; Never Go Naked</title>
			<pubDate><![CDATA[Wed, 16 Sep 2026 06:57:50 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://heathercullen.com/itm-companion/part-2-riding-the-bull/ch-06-how-itm-works/]]></guid>
			<link><![CDATA[https://heathercullen.com/itm-companion/part-2-riding-the-bull/ch-06-how-itm-works/]]></link>
			<title>Chapter 6 &#8211; How ITM Works</title>
			<pubDate><![CDATA[Wed, 16 Sep 2026 06:51:55 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://heathercullen.com/itm-companion/part-1-reading-the-currents/ch-05-out-and-in-the-money/]]></guid>
			<link><![CDATA[https://heathercullen.com/itm-companion/part-1-reading-the-currents/ch-05-out-and-in-the-money/]]></link>
			<title>Chapter 5 &#8211; Out &#038; In The Money</title>
			<pubDate><![CDATA[Wed, 16 Sep 2026 06:50:08 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://heathercullen.com/itm-companion/part-1-reading-the-currents/ch-04-all-about-options/]]></guid>
			<link><![CDATA[https://heathercullen.com/itm-companion/part-1-reading-the-currents/ch-04-all-about-options/]]></link>
			<title>Chapter 4 &#8211; All About Options</title>
			<pubDate><![CDATA[Wed, 16 Sep 2026 06:47:55 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://heathercullen.com/itm-companion/part-1-reading-the-currents/ch-03-voodoo-school/]]></guid>
			<link><![CDATA[https://heathercullen.com/itm-companion/part-1-reading-the-currents/ch-03-voodoo-school/]]></link>
			<title>Chapter 3 &#8211; Voodoo School</title>
			<pubDate><![CDATA[Wed, 16 Sep 2026 06:44:45 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://heathercullen.com/itm-companion/part-1-reading-the-currents/ch-02-the-roller-coaster/]]></guid>
			<link><![CDATA[https://heathercullen.com/itm-companion/part-1-reading-the-currents/ch-02-the-roller-coaster/]]></link>
			<title>Chapter 2 &#8211; The Roller Coaster</title>
			<pubDate><![CDATA[Wed, 16 Sep 2026 06:43:39 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://heathercullen.com/itm-companion/part-1-reading-the-currents/]]></guid>
			<link><![CDATA[https://heathercullen.com/itm-companion/part-1-reading-the-currents/]]></link>
			<title>Part 1 Reading The Currents</title>
			<pubDate><![CDATA[Wed, 16 Sep 2026 05:55:43 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://heathercullen.com/itm-companion/]]></guid>
			<link><![CDATA[https://heathercullen.com/itm-companion/]]></link>
			<title>ITM Reader Hub</title>
			<pubDate><![CDATA[Wed, 16 Sep 2026 05:48:22 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://heathercullen.com/bookstore/]]></guid>
			<link><![CDATA[https://heathercullen.com/bookstore/]]></link>
			<title>Bookstore</title>
			<pubDate><![CDATA[Wed, 26 Aug 2026 08:12:21 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://heathercullen.com/backtesting/]]></guid>
			<link><![CDATA[https://heathercullen.com/backtesting/]]></link>
			<title>Backtesting</title>
			<pubDate><![CDATA[Wed, 16 Sep 2026 05:33:46 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://heathercullen.com/about/]]></guid>
			<link><![CDATA[https://heathercullen.com/about/]]></link>
			<title>About</title>
			<pubDate><![CDATA[Tue, 15 Sep 2026 05:58:17 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://heathercullen.com/the-itm-plan/]]></guid>
			<link><![CDATA[https://heathercullen.com/the-itm-plan/]]></link>
			<title>The ITM Plan</title>
			<pubDate><![CDATA[Thu, 03 Sep 2026 04:51:20 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://heathercullen.com/itm-spy-replication/]]></guid>
			<link><![CDATA[https://heathercullen.com/itm-spy-replication/]]></link>
			<title>ITM SPY Replication Project</title>
			<pubDate><![CDATA[Sat, 05 Sep 2026 09:18:26 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://heathercullen.com/blog/why-spy/]]></guid>
			<link><![CDATA[https://heathercullen.com/blog/why-spy/]]></link>
			<title>Why SPY?</title>
			<pubDate><![CDATA[Mon, 31 Aug 2026 04:27:50 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://heathercullen.com/blog/gamification/]]></guid>
			<link><![CDATA[https://heathercullen.com/blog/gamification/]]></link>
			<title>Gamification</title>
			<pubDate><![CDATA[Mon, 14 Sep 2026 11:27:01 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://heathercullen.com/blog/the-experience-trap/]]></guid>
			<link><![CDATA[https://heathercullen.com/blog/the-experience-trap/]]></link>
			<title>The Experience Trap</title>
			<pubDate><![CDATA[Mon, 07 Sep 2026 03:27:54 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://heathercullen.com/contact/]]></guid>
			<link><![CDATA[https://heathercullen.com/contact/]]></link>
			<title>Contact</title>
			<pubDate><![CDATA[Wed, 26 Aug 2026 07:37:02 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://heathercullen.com/blog/the-greed-index/]]></guid>
			<link><![CDATA[https://heathercullen.com/blog/the-greed-index/]]></link>
			<title>The Greed Index</title>
			<pubDate><![CDATA[Mon, 24 Aug 2026 03:34:14 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://heathercullen.com/blog/discipline-or-denial/]]></guid>
			<link><![CDATA[https://heathercullen.com/blog/discipline-or-denial/]]></link>
			<title>Discipline? Or Denial?</title>
			<pubDate><![CDATA[Wed, 19 Aug 2026 06:38:12 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://heathercullen.com/]]></guid>
			<link><![CDATA[https://heathercullen.com/]]></link>
			<title>Home</title>
			<pubDate><![CDATA[Tue, 23 Jun 2026 03:30:15 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://heathercullen.com/blog/the-spacex-ipo/]]></guid>
			<link><![CDATA[https://heathercullen.com/blog/the-spacex-ipo/]]></link>
			<title>The SpaceX IPO</title>
			<pubDate><![CDATA[Mon, 29 Jun 2026 04:01:45 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://heathercullen.com/blog/qqq-isnt-the-nasdaq/]]></guid>
			<link><![CDATA[https://heathercullen.com/blog/qqq-isnt-the-nasdaq/]]></link>
			<title>QQQ isn&#8217;t the Nasdaq</title>
			<pubDate><![CDATA[Mon, 27 Jul 2026 02:54:37 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://heathercullen.com/blog/0dte-illusion/]]></guid>
			<link><![CDATA[https://heathercullen.com/blog/0dte-illusion/]]></link>
			<title>0DTE Illusion</title>
			<pubDate><![CDATA[Mon, 22 Jun 2026 03:57:58 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://heathercullen.com/blog/the-ai-effect/]]></guid>
			<link><![CDATA[https://heathercullen.com/blog/the-ai-effect/]]></link>
			<title>The AI Effect</title>
			<pubDate><![CDATA[Mon, 20 Jul 2026 04:39:21 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://heathercullen.com/blog/out-of-action/]]></guid>
			<link><![CDATA[https://heathercullen.com/blog/out-of-action/]]></link>
			<title>Out of Action</title>
			<pubDate><![CDATA[Mon, 15 Jun 2026 01:56:16 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://heathercullen.com/blog/which-country-wins/]]></guid>
			<link><![CDATA[https://heathercullen.com/blog/which-country-wins/]]></link>
			<title>Which Country Wins?</title>
			<pubDate><![CDATA[Mon, 13 Jul 2026 05:57:33 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://heathercullen.com/blog/market-pessimists/]]></guid>
			<link><![CDATA[https://heathercullen.com/blog/market-pessimists/]]></link>
			<title>Market Pessimists</title>
			<pubDate><![CDATA[Mon, 10 Aug 2026 03:02:46 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://heathercullen.com/blog/smoke-mirrors/]]></guid>
			<link><![CDATA[https://heathercullen.com/blog/smoke-mirrors/]]></link>
			<title>Smoke &amp; Mirrors</title>
			<pubDate><![CDATA[Mon, 06 Jul 2026 04:08:45 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://heathercullen.com/blog/ai-one-click-seven-layers/]]></guid>
			<link><![CDATA[https://heathercullen.com/blog/ai-one-click-seven-layers/]]></link>
			<title>AI: One Click. Seven Layers.</title>
			<pubDate><![CDATA[Mon, 03 Aug 2026 06:22:03 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://heathercullen.com/blog/waves-or-tide-2/]]></guid>
			<link><![CDATA[https://heathercullen.com/blog/waves-or-tide-2/]]></link>
			<title>Waves or Tide?</title>
			<pubDate><![CDATA[Mon, 08 Jun 2026 11:03:32 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://heathercullen.com/blog/exotic-beasts/]]></guid>
			<link><![CDATA[https://heathercullen.com/blog/exotic-beasts/]]></link>
			<title>Exotic Beasts</title>
			<pubDate><![CDATA[Mon, 01 Jun 2026 04:45:58 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://heathercullen.com/blog/selling-your-upside/]]></guid>
			<link><![CDATA[https://heathercullen.com/blog/selling-your-upside/]]></link>
			<title>Selling Your Upside</title>
			<pubDate><![CDATA[Mon, 25 May 2026 09:49:09 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://heathercullen.com/blog/covered-calls/]]></guid>
			<link><![CDATA[https://heathercullen.com/blog/covered-calls/]]></link>
			<title>Covered Calls</title>
			<pubDate><![CDATA[Mon, 18 May 2026 04:13:02 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://heathercullen.com/blog/]]></guid>
			<link><![CDATA[https://heathercullen.com/blog/]]></link>
			<title>Blog</title>
			<pubDate><![CDATA[Fri, 21 Oct 2022 09:01:56 +0000]]></pubDate>
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