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Your camera is at the lowest ISO setting it could possibly organically be at, your shutter speed has hit the maximum setting, and you still want to shoot an image with the lens wide open. The challenge: the sun is way too bright and giving off too much light to let you get anything near a correct exposure.
So how do you shoot the photo? There are three different ways.
The first one is the simplest and least expensive. Try to backlight the subject. Of course, this is tougher if your subject is a flower or your children running around because it means you need to get very low to the ground. But otherwise it’s a solid option.
The second option: use a shoot through umbrella or a translucent reflector to diffuse the sunlight. This will usually kill enough of it to let you get a more balanced exposure. In the case of the umbrella, it can also be used as a fun prop.
The final option: try a variable ND filter–which is what film photographers used to use. These filters let you cut out a specific amount of like that you set them to just by turning them. The quality of these filters has improved so much that it’s bound to not ruin the quality of your image.
