How Much Money To Invest For $5,000 Per Month In DIVIDENDS

[@ppcian]

IMPORTANT ANNOUNCEMENTS: Thanks for watching! Please don't forget to "like" and "subscribe". Please share your favorite yield-on-cost stock in the comments section! BLOSSOM SOCIAL (Where I’m Posting The Spreadsheet From Today’s Video):
 I'm on Blossom Social, a social media platform for dividend investors co-founded by KZbinr Brandon Beavis: blossomsocialapp.page.link/PPCIan (Disclosure: This is my affiliate link, and I'm compensated for Blossom Social sign-ups.) IMPORTANT: I'm posting the spreadsheet from today's video over on Blossom! HELPFUL RESOURCES: Here's my old school video on dividend yield on cost: kzbin.info/www/bejne/kKiYpoibmsh5gc0si=k9x0TINQf_LI3xNF Here's my video on the dividend snowball effect: kzbin.info/www/bejne/jKuapH6ulLd3fc0si=h7dvFmdENbSf9uWA CHECK OUT MY PATREON: I'm sharing exclusive bonus content over on Patreon! I offer two tiers: Backyard Patreon and Corner Patreon. My Backyard Patrons see my stock trades, each accompanied by a blog post write-up. They also have access to 50 historical Patreon-exclusive videos. In addition to all Backyard Patron perks, my Corner Patrons also have access to my complete dividend stock portfolio (% allocation to each position) AND my complete bond portfolio (% allocation to each position). They additionally enjoy exclusive portfolio update videos, Corner Patreon virtual meet-ups, and more. Head on over to Patreon to join today: www.patreon.com/ppcian PPC IAN INSTAGRAM: I'm sharing some great content over on Instagram. Check out my Instagram stories and reels. I'm @ianlopuch: instagram.com/ianlopuch/ PPC IAN EMAIL LIST (AND NEWSLETTER): Join my email list today for helpful updates, and a look at some of my historical dividend stock portfolios: www.ppcian.com/my-complete-dividend-stock-portfolio/ PPC IAN X (TWITTER): I'm always sharing fun updates on Twitter. Here's my dividend investing Twitter (I'm @ianlopuch): twitter.com/ianlopuch COOL DIVIDEND INVESTING MERCH: I offer some really amazing dividend investing merch: teeshirts, hoodies, mugs, and more! The designs are super stylish and on-point for the dividend stock investing community. Each purchase supports my KZbin channel: teespring.com/stores/ppcian Thanks so much, everyone, for your support. I hope you enjoy the video today! (Disclosure and Disclaimer: I’m long SCHD and BTI. I'm an affiliate of Blossom Social. Please see video description for all disclosures and disclaimers.)

[@sshumkaer]

Could be less with a higher yeild. ABR, HTGC, JEPQ, MO, or if yoy can average 22% returns or 31% returns and I'm not talking Yeildmax. That isn't investing, that's gambling.

[@coltong694]

Loving the focus on income. I’m 29 and currently getting a little over 700 per month in dividends, looking to get that up to 1000 per month in the near future to help pay bills/fund travel in Asia

[@ppcian]

Way to go, my friend! Thanks so much for sharing!!! Wishing you all the greatest!

[@I_like_turtles_67]

Damn dude you're Killin it on the dividends. 👍

[@Msmelissa-u1w]

Guess over 200k! I live off dividends on ETFs, for sure it can improve your wealth if you reinvest them to buy more, creating a snowball effect that allows you compound over time.

[@shaquaan]

Just curious have you considered the possibility of cashing out some of those dividends for paying off your monthly expenses, instead of re-investing them? Bcos I need a lot as rent, inflation alone eat up almost all of what I make.

[@Msmelissa-u1w]

Shaquaan tbh I keep compounding, adhering to well established patterns from a professional, even as a rookie, can bring tremendous value! I’ve trimmed, added also and now my average growth has increased 88% in the past year while participating behind a top performer. effectively remits over 100k annually and increasing.

[@Paulreal-s2w]

@shaquaan a lot of people let their dividends ride for the long-term given its solid returns effects overtime

[@shaquaan]

Well melissa you're sooo crushing it, I'm really looking forward to growth over time now. I will be reinvesting dividends like you, so my position size will grow. Okay if I ask how you maintained such growth from dividends, also your top performer.

[@Msmelissa-u1w]

I believe a healthy portfolio has 3 things, at the bare minimum: Exposure to ETFs for increased diversification, Exposure to assets that generate cash flow like dividend stocks, Exposure to market-leading tech.

[@MoneyandLifeTV]

$5000 per month is the exact goal i'm shooting for............currently mine is at $2,800. Age 39.

[@ppcian]

Way to go! Thanks for sharing! Wishing you an amazing weekend.

[@c.r.8c.r.828]

wow this is awesome, would you care to assist me in the start of this investment? i am 29

[@Asstronauts93]

Somewhere around 900k is probably the sweet spot for 60k a year

[@wyattchiordi5132]

I’m 24 and I get $200 per month in div income

[@ppcian]

Thank you for sharing! You got started really early in life! Way to go!!!

[@rustyshackleford1419]

Great job! You're on your way. I'm 53 and retired. You are 10 years ahead of my path. I didn't have my epiphany until my mid thirties.

[@forestmotoadventures]

@@rustyshackleford1419Nice Rusty! I’m your age and was considering selling many of my growth stocks to put into high divvy stocks to make it work. What was your strategy?

[@wyattchiordi5132]

@@rustyshackleford1419 Thanks for the motivating words sir! God bless you

[@jamescc2010]

Great job! I wish I have started very early. Now my kids do.

[@xuedalong]

I'm 8 years into the journey with $25k+ / year rolling in from stocks, REITS, ETFs, and bonds. Another 10-12 years should do it. - Darryl in Singapore

[@lpoplpop-hr1jt]

I'm currently getting $3,500-/mo with a cost basis of around $460,000-. My answer: about $650,000.

[@ppcian]

That's awesome! Thank you so much for sharing!!! Way to go!

[@jray5363]

From my experience, that sounds just about right! Seeing those numbers go up is a beautiful thing!

[@xaldath4265]

Without specifically focusing on yield, I have about a 3% yield and would need about $2 million if I were to aim specifically for $60k annual dividends without changing my strategy. That being said, I anticipate a transition into slightly higher yields moving forward, as my wife and I are approaching that 10 year from drawdown mark.

[@ppcian]

Thanks so much for sharing! Wishing you all the greatest!

[@AG-so4gl]

Im doing it with 500k and less, thru covered call ETFs, ranging 9-11% divs paid monthly

[@maximmireyev4225]

What are those ETFs?

[@johannemonfiston7484]

They are high-risk and might have a higher expenses ratio. I own svol and divo ( call options) on the dividend so far so good

[@marcw.5492]

@@maximmireyev4225 QQQI - SPYI - QDTE (weekly div) - CONY

[@michaelgordon3241]

I'm doing it with FEPI/AIPI,SPYT,QQQT, YMAG,NVDY,MSTY, ECC,EIC,OXLC,OCCI,SMHB,MVRL,MSFO,YMAX,RA,CLM,CRF,ECAT,BCAT,GIAX,PDO,PHK,XFLT,CCIF,ACP,FCO, AMDY, AMZY at/near 2022,2023 and 2024 lows with only 250k-255k.. I'm all about catching the lows for maximum yield on cost

[@Icecold0505]

JEPI/JEPQ are highly sustainable

[@WhiteBoardFinance]

Great video! Hope you're well Ian!

[@ppcian]

Thanks so much, Marko! I really appreciate that, my friend. Life is great. Wishing you and yours all the greatest!!!

[@baritono81]

Thanks for this big picture video Ian. Im very close to receiving $100/month, maybe by year's end. I agree taxes are part of the equation, and if you mostly look for discounted quality stocks, that takes patience and time. Time im short on in my early 40's. I appreciate your insight, i recently started a position in CVX. It is hard to be patient, but have to be okay with doing the best I can given an expensive market.

[@Moonshotmikebridges]

Hi Ian. If you believe in the BTI modelling why are you not investing in more "income factory/greg the dividend monster style stocks like BDCs? I like this BTI model best aswell. Most of my portfolio is high yielding. Best wishes Ian. Great content as always

[@ppcian]

This is a great question. On a go-forward basis, I can see myself moving in that direction. I do not believe in selling, so I'm pivoting with new funds more towards those types of investments. It's a slow process since I only have so much net new capital to deploy. Because BTI has come down a bit, I'm just going to focus on that a bit longer. (My huge additions to MO and BTI over the last year have been my version of Income Factory.) I do like investing in what I know, and I am unfamiliar with the Income Factory-style investments (like BDCs, CEFs), so that's part of it too. I'm just gravitating towards what I know, and over-allocating to BTI and other similar stocks. But, yes, I will be moving over towards more Income Factory-style investments as the years pass. Great question! (Disc: I'm long BTI and MO)

[@Moonshotmikebridges]

Thanks Ian. I am glad my question was thought provoking and taken in the nature in which it was intended! Its great to be able to give something back. Your content I mentioned was a lightbulb moment for me! I think ARCC is my favourite BDC but has surged in price alot recently!

[@2ndLastStarfighter]

​@@ppcian amazingly detailed reply Ian, always a pleasure when you break down your train of thought. Have a splendid weekend!!! Cheers from Vancouver 🇨🇦

[@richardthorne2804]

Great video. I’m currently getting $62K in annual dividends and will also make close to $60K in realized options profits as well. I’m predominately invested in lower yielding stocks such as MCD, PEP, PG but i sell covered calls on those stocks and then i also run a separate wheel portfolio that generates good cash flow.

[@Blubbha]

What sources helped you, people you follow to build this knowledge?

[@richardthorne2804]

@@Blubbha long-term investing when YOUNG. I took early retirement, so dividends became the focus. Channels like this one and others helped. As far as selling options tasty live.

[@Blubbha]

@@richardthorne2804 I am 37 so somewhere between young and more income focused to at least reduce work in 10 years. My goal is in 15 years to reach 80k net in dividends and have a paid off home. So cost reduction and income stabilization via dividends and option plus maybe a bit consulting will be my path I hope. But still a lot to learn or unlearn. Portfolio reaches 250k this month with forecasted 8k net in dividends.

[@JannyLuits]

My portfolio doesn’t just cater to dividend stocks. I hold $VFIAX (S&P 500 index fund) in my Roth IRA and $VTI (Total Stock Market ETF) in my taxable brokerage account. Two of my largest holdings. The individual dividend stock positions all complement the index holdings.

[@KaurKhangura]

Thats when you hire someone to manage your money. You need a (CFP) straight up! personally, I would invest in ETF's and also love investing in individual stocks.

[@Justinmeyer1000]

I took charge of my portfolio but faced losses in 2022. Realizing the need for a change, I sought advice from a fiduciary advisor. Through restructuring and diversification with dividend stocks, ETFs, Mutual funds, and REITs, my $1.2M portfolio surged, yielding an annualized gain of 28%.

[@brucemichelle5689.]

Your advisor must be really good, how I can get in touch with them as my porfolio isn't doing well.

[@Justinmeyer1000]

‘’Aileen Gertrude Tippy’’ is her name. She is regarded as a genius in her area and works for Empower Financial Services. She’s quite known in her field, look-her up.

[@brucemichelle5689.]

Thanks a lot for this suggestion. I needed this myself, I looked her up, and I have sent her an email. I hope she gets back to me soon.

[@gioclinaz]

One of my favorite videos you’ve made, thank you for the great info

[@kevinmendoza4402]

Great video Ian! Very motivational video! Thank you! 🚀📈💎🙌

[@ppcian]

Thank you for your kind words and longtime support!!!

[@rdobsoni3598]

Excellent work! Love the examples... aligns with my calculations

[@Norfolkpaul]

Great job on your video 😊thank for sharing

[@wombatstriker]

*How much the value of the portfolio is*? Easy to calculate, =($5,000*12)/ {portfolio's average yield} ; *how much you need to invest*? That's much more dependant on how long you have to allow compounding and the dividend growth rate... (I haven't watched yet, so you probably cover this)

[@xaldath4265]

#NailedIt

[@ppcian]

That's the formula! But, it gets more complex for someone investing now and then looking to leverage yield on cost, over time. Wishing you all the greatest!

[@michaelwiddis5997]

Great analysis Ian, as usual. Love your enthusiasm!

[@ppcian]

Thanks for your very kind words, my friend!!!

[@tedparker8935]

Good show, Ian… one of my favorites!

[@ppcian]

That really means a lot, thank you so much!

[@bobdole7701]

1300-1500 per month.SCHD,JEPI and JEPQ.

[@brettbenson563]

great info. Thank you.

[@rawmean8989]

I always watch your videos til the end! No matter how long

[@ppcian]

This means the world to me! Thank you so much!!!

[@jimd1617]

thank you

[@ppcian]

Thanks for your comment!

[@richardbudzic6289]

Thank you for another informative video!

[@ppcian]

Thanks so much for your kind words!

[@hagedicht8281]

Certainly one of your best videos, divident growth investing keeps me optimistic in harsh times.

[@moresugartradercc2744]

I receive income from mo and bti plus schd and dgro it is no where near 5k but don't worry I'm not eating cat food my Canadian stocks provide much more than I need to live on

[@ppcian]

Thanks for sharing! (Disc: I'm long MO, BTI, and SCHD)

[@franciscoordaz568]

I have 39k invested in ULTY and paid me 3k today.

[@Nicolasdu5]

Capital érosion

[@MrChando1975]

Great video. Luv it good info.❤

[@ppcian]

Thank you so much for your kind words!

[@pigeoncafe3602]

Thanks. I like the DIV investing, but yield on cost is meaningless. Why? If you bought some hot stock like nvida, then sold when it broke 1k, you could buy a heck of a lot more schd, than you would have had. Yes the guy would who bought schd would have a great yield on cost, but the nvida guy would have a lot more shares giving him more monthly $. Current cost and current yield on your sum is all that matters.

[@mikejmarvin]

Hit like then play

[@ppcian]

You are too kind, my friend! Thank you!!!

[@moresugartradercc2744]

Well explained video you did a great job with this one

[@ppcian]

Thank you for your very kind words. Truly means a lot, my friend. Thanks for your longtime support!

[@maartendejong9060]

Thanks Ian, good video as usual! Really inspiring to get your insights as we all grind our way towards financial independence. You're looking for a yield higher than, say, SCHD. Does this mean you're looking to retire within the next 10 years or so? Else, I imagine you'd be leaning more towards dividend growth than yield?

[@ppcian]

Thanks for your kind words! I'm mid-40s and I'm hoping to have FIRE by 50 (but that doesn't mean I'll retire at that time, just have so much more flexibility and peace-of-mind). I'm definitely skewing towards higher-yielders these days, for that reason. But, I'm still a fan of SCHD and trying to make it a large position too, because it adds so much dividend growth to the portfolio. (Disc: I'm long SCHD)

[@joevelasquez2757]

Thanks Ian, Thug life investor for life. ❤

[@ppcian]

Thanks, my friend! I appreciate your kind words!

[@caseydresselhouse2456]

Very curious on BTI stock. To purchase this stock on robinhood as an ADR do you have an idea how fees work to buy/own the stock. Robinhood is showing 1-3 cents per share, but im not sure if that is a one-time fee or annual fee per share that i would own. Sorry if my question is confusing. Thanks Ian!

[@PatrickCharles-u5g]

48yo. Have $2m. No investments. If I wanted to make $120-$200k annually what advice would you give? Any ETF combinations you'd recommend?

[@dianncotterell5531]

Is a higher yeild safe for the limg term?

[@federicovalenzuela3704]

PMT is paying 12%...any comment ?... Other question do you have any video about cover calls or puts? thanks !!

[@gush5465]

Awsome video ! Thankyou. What are your thoughts on CC etfs to provide some extra income like for example JEPQ.

[@ppcian]

Thank you for your kind words! While I don't currently own any CC ETFs, I like the idea in theory to boost yield (especially for those of us, like myself, who need higher yield right now). Wishing you all the best!

[@DougJDoug]

I am getting around $1800-$2200 month on $255K invested.

[@TbhKol]

arent you better off putting that money into s&p 500?

[@DougJDoug]

@@TbhKol I am not really looking into growth….need income right now.

[@nichdrob]

I have a portfolio valued at $34667 and generating $1568 annual dividends. How did I do that? Idk it took time and effort

[@etfeasy]

I would not pick any other funds other than S&P 500 or QQQ related for income

[@ppcian]

Thanks for sharing!

[@Blubbha]

Why? Still trying to find my income fund. Thanks

[@Silver_Man_69]

I watched a video where a couple said they invested 1 million into their dividend fund that yields $5000/month.

[@hansschotterradler3772]

I'm about to turn 54 next week, and I receive just under $4000/month from a $997k portfolio. Some of this includes interest from T-bills; so that is likely to go down in the coming months.

[@ppcian]

Thanks so much for sharing, and congrats!!! Way to go!!!

[@rahulparikh6183]

Awesome Video as always! But - inflation? What will 60k in fiat dollars be worth in 10 or 20 yrs?

[@ppcian]

That is a valid point. I briefly discuss this, I think, later in the video. The video does not take into account inflation nor taxes. The investor can always geo-arbitrage if needed. In scenarios 1a and 1b, retirement is now, so inflation is less of an issue. And, the dividends will continue to grow, so there's some inflation protection. In scenarios 2a and 2b, since they are in the future and the model targets $5k/month, inflation becomes more of an issue. I think the solution is to keep a very tight control on cost of living and consider all alternatives (such as geo arbitrage). But, it's not so easy these days, since inflation has been on the uptick. Wishing you all the best!

[@rahulparikh6183]

@@ppcian you too Ian! Yes, popularity of Gold and Bitcoin on the rise in response to government debasement of our wealth! Still LOVE dividend investing though - thanks for being an OG!

[@OUTDOORS55]

@@rahulparikh6183gold and bitcoin is not an investment. They produce nothing, they are commodities. Buy companies that produce income using commodities. The income they produce will be in whatever form of currency we are currently using.

[@nonayabusiness6170]

BTI is dipping rn but a very strong buy in my opinion.

[@ppcian]

Yes! I’m very happy it’s dipping. I look at it as a 2nd chance to buy some more. Do agree a strong buy! (Disc: I’m long BTI)

[@jonnes__4657]

🗽 I would assume, that you can pay out for 30 years about 4% per year (inflations secured). .

[@billdivine9501]

My current holdings are growth stocks paying very little in dividends. They have however grown significantly. Should I sell them (taxable account)and buy dividend payers for income? I still won’t be able to do that in a Roth because of the $8k max contribution limit.

[@xaldath4265]

I wouldn't start transitioning into higher yield until you are close to drawdown, TBH. Many don't like the strategy, but a stocks that's growing at 10%/year will allow you to *sell* shares like a DIY dividend, too. Both work, but strictly dividends removes the emotions behind selling either in the red or during a bull run.

[@cius2112]

You could transfer to M1 and borrow against your portfolio to buy high yield dividend stocks so you won't have to sell and they can keep growing.

[@xaldath4265]

@@cius2112 Sounds risky to borrow at 5-7% in order to try living off of investments. That is not how I'd advise. O.o

[@w.g9012]

Is there SCHD equivalent etf for canadian like VFV / VOO ?

[@Asstronauts93]

Try VDY

[@etfeasy]

Or you can buy XDTE for weekly dividends

[@FLking727]

Expense ratio is high though

[@etfeasy]

@@FLking727 but total returns is much more than VOO so it doesn’t matter

[@ppcian]

Thanks for sharing, I will take a look!

[@123lowp]

Should I YOLO a quarter million on NVIDIA calls before earnings are reported tomorrow?

[@Bryan-e2n]

SCHX any downfalls? I know you wanted income from SCHD, but in a brokerage account, wanting growth instead of immediate income.

[@xaldath4265]

Only real downfall I foresee is if the US economy collapses. If it isn't obvious by that statement, I believe SCHX is a solid investment and is basically the same thing as my #1 holding(VTI).

[@ppcian]

I'm not familiar with SCHX. Will take a look. Thanks for sharing! (Disc: I'm long SCHD)

[@metalheadami123]

I have 30k in Voo, dgro, and VIG and I only get like 800 a year 😂

[@ppcian]

Brick by brick! I had to do lump sums in the model to make it easy to illustrate. However, most of us (myself included) don't do too much lump sum investing. We just dollar cost average in over time. The key, however, is that the true yield on cost still works. Time + reinvestment + dividend growth is key. Wishing you all the greatest!

[@xaldath4265]

Please don't get discouraged, but do realize those three funds are actually pretty low yielding funds. VOO is the entire S&P500, including all the non-dividend stocks. DGRO and VIG are both focused on dividend growth. All three are likely to have more total return on long timelines, but won't have much of that return come from the dividends. I don't know your timeline, but sticking to those seems perfectly fine to me if you have 10+ years to go. Then, if you feel the need to focus on yield, you can reallocate those funds into higher yield(likely lower growth). There is no perfect investment, but you seem to be focused in a quality direction.

[@metalheadami123]

@@xaldath4265 yes very good points. I’m 29 so I have a long time before I’m retired. I’m more focused on growing wealth over income right now so some dividend growth stocks are very attractive to me so I’ll have a high yield on cost in 35 years

[@justinshearer8180]

VIG and DGRO are very similar maybe swap one of those for SCHD get higher yield

[@Sylvan_dB]

Or live on the edge, and use yieldmax and rex shares and you can probably do $5k/mo on less than $300000. Will it grow? No. In fact it will probably shrink! I limit those kinds of funds to less than 7% of my portfolio and overall the "I'm holding it for the yield" (including REITs and tobacco) to 15% combined. If necessary I might consider going up to maybe as much as 20%, but I'm not going back to work so I need growth.

[@michaelgordon3241]

I have more capital than I started with and I'm generating 6k/month 250-255k. 1 year cumulative return 52% Ytd cumulative 31.9%

[@Sylvan_dB]

@michaelgordon3241 I hope it works out for you. Covered call funds have to date all catastrophically reduced distributions due to extended downturns. The current crop of such funds has never experienced such a market environment and it will be interesting to see what happens. I think the risk is high but to each his own.

[@Eli390]

Hi

[@lostark7158]

It is possible if you are a high earner. I get my 3.500$ a month and have to live and eat ^^. So 5k$ would be impossible. I guess i have to save as much as i can and wait longer.

[@Make-A-Mil]

6:00 The thing about this is lack of diversification. If you're putting $700k into a single stock (BTI), that is awfully risky. The industry is also poised not to grow. Rough rule of thumb is that any single position in your portfolio should only be max 5-10% weight. That means you'd need to have about $7-14 million to deploy in order to comfortably put $700k into BTI and diversify away most of the idiosyncratic risks. I get your example, though, it's very helpful and useful to understanding the math/numbers, especially for those just starting out. Thanks Ian!

[@Make-A-Mil]

ok you said the exact same thing a minute later in your video LOL sorry. i'll wait to comment next time hahaha

[@lslurpeek]

answer, A LOT

[@ppcian]

Thank you!

[@ishmeetsingh4219]

First view

[@ppcian]

Thanks for being my first view! Thanks for your support!

[@deekon3994]

OR spend 35k in MSTY, keep capitol, make 1000s/month. These guys pushing the slow way are such boomers

[@Andysfishing]

With the growth we’ve had in the past 40 years and considering how over valued everything is, I don’t see 10-12% dividend increases for 10 years. We have 2-3 years max.

[@JohnsFishTales]

Yeah retirement on a 3 to 4% divided yield is a pipe dream unless you’ve got millions. Eventually you’ll realize there are tax efficient investments that pay much more. For me it’s a mix of BDC’s, MLP’s, and a healthy dose of quality covered call funds.

[@Blubbha]

What are your higher quality covered call funds?

[@Sly1234e]

if you invested 700k in the sp500 you would have made $161k YTD with alot less risk,

[@frankforte239]

What can we do for those over 70 yrs old?

[@dreamthread]

Im new to your channel Why did you delete your crypto channel videos

[@jasonstupak4535]

Thanks Ian. That's how I'm calculating how much I'll need to retire in 5 years. Instead of using higher yielding individual stocks though, which have more risk, or lower percentage ETF's, I'm using higher yielding blue chip covered call ETF's on DRIP that can hold NAV. Cheers and much continued success!

[@Duke_of_Prunes]

I don't see any issues with your numbers as a base. But....I would not suggest retiring 15 or 20 years before Social Security without a large amount of emergency fund built into the budget. My wife and I have lived through one hurricane, a kidney transplant, and one fire, and we're not even retired, yet.

[@ppcian]

Thank you for your thoughtful comment. YES! You are right. This model/discussion is just meant to be a base case, and it's meant to provoke thought. But, in reality, everyone will have to plan for their own unique situations. Emergency funds are critical. It gets a lot more complex, too, when inflation/taxes are taken into account. Sounds like you and your wife are warriors, making it through so much. Thank you for sharing that, and wishing you much success. Wishing you a super weekend!

[@woebaby]

Well I guess we'll see, I plan to retire at 55 and I'm ~40 now with ~400k haha So I can be an empirical test on this video. Will try and remember to comment again here at retirement if climate change hasn't wiped us all out already :D

[@ppcian]

Thanks so much for sharing, and for being the empirical test! This is awesome. Please do comment back. Let's hope for a friendly climate. This strategy takes time. Wishing you all the greatest!!!

[@marcw.5492]

r u angry ? lol Steve martin said "how to make a million dollars and never pay taxes...first get a million dollars, then say 'I forgot'" Still lookin for that million $

[@jonnes__4657]

🗽 Correct, but in 15 years the $5000 is not worth the same (buying power is reducing). .

[@ppcian]

This is a very important point. Yes, this model is just meant to be a directional/starting point. Because of reduced buying power, one may have to plan for more than $5,000/month. OR, figure out a way to save money (such as geo arbitrage). The rate of inflation is real these days. Thanks for sharing!

[@jonnes__4657]

​@@ppcian I think you can simulate the inflation by reducing the growth of the stock and the dividend by an assumed inflation rate. That means you calculate everything AFTER inflation. We can also assume, that the growth itself will also be influenced by inflation.

[@killersentra]

I assumed about 1 million To 1.5 million....

[@woebaby]

Starting the video. I think ~1.7m?

[@ppcian]

Yes! Great estimate!

[@translationjobs8221]

4:20 Such a useless waste of money. If you have $1.7 million, just put it in many of the accounts out there that give you back 4.5% APY and you will get $6610 a month, with ZERO risk, not "LOWER RISK". Terrible advice!

[@21surfblue]

I invested 17K on TSLY and paying dividend over 1K per month. With dividend reinvested in 5 years, estimate is 10K per month.

[@clovertechdev4243]

QYLD yield ~11% per year. it pay out every month. Less than 600k you can have $5500 per month

[@ppcian]

Love it! Thank you for sharing!

[@LivingonHighYield]

To me buying some thing like a BTI and having all that single stock risk with barely any dividend growth and not monthly distributions doesn’t make sense when you can buy something like a JEPI or JEPQ that gives you monthly dividends and way more diversification and low beta with the same yield.

[@ppcian]

Great point, and agreed! I used BTI as an example to keep it simple. But, yes, I would want to buy a lot of stocks that average out to a yield in the range of BTI's 8.5% for that scenario. Single stock risk is real. Thanks for sharing! (Disc: I'm long BTI)

[@CalmerThanYouAre1]

15 years ago someone was making this video about $30K of income. It’s a pipe dream due to inflation. You need to focus on earning a high income and investing a large percentage of it if you really want to achieve FI with a withdrawal rate equivalent to a median household after-tax salary. And as much as I love dividend investing, the S&P and a 4-5% withdrawal rate is likely going to get you to FI faster.

[@ppcian]

Thank you for sharing! All valid thoughts. It's not easy, and yes, inflation is a big consideration.

[@jonathanfoster2263]

I have 628,000 in my rollover IRA that generates $72,500 per year in dividend income. ABR, ARCC, PDI, CSWC, BCAT, BXSL QQQI, SPYI, TSLX, BBDC, OBDC, SVOL. All this goes into my SPAXX money market cash management which also earns %4.9.

[@ppcian]

Thanks for sharing, and way to go!!! I look forward to taking a look at these tickers...

[@shergill4301]

Bro make Ur videos short....times have changed

[@ppcian]

I do plan to include some shorter videos. I do agree that many would benefit from that, who just don’t have the time to watch the longer ones.