Most people think selling naked puts is risky.....
Yet there is a way to do it that is safer than buying the stock outright.
Don't use margin, and only do this with stocks you would have bought anyway and held for awhile, even if they went down.
Only use out of the money puts, or puts very slightly in the money.
This way, you either have the stock "put" to you at a net discount -- or the put expires worthless and you keep the money you received when you sold the put.
NB: Most brokers will not allow naked put selling in an IRA account, but it never hurts to ask. Some may allow it, as long as you do not use margin.