How You Can Live Off Dividends In 15 Years (Not Easy, But Possible)

In this video, we will be discussing how you can live off dividends in 15 years. It won't be easy, but it's definitely possible, and in this scenario, we'll compare how to achieve early retirement with dividend income using a high dividend growth approach AND a high-yield approach to see which one is more effective.
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The ideas and opinions presented in this video are meant for informational and entertainment purposes only, are not intended to serve as a recommendation to buy or sell any security in any account, and are not an offer or sale of a security. They are also not research reports and are not intended to serve as the basis for any investment decision.

[@rynewilliams]

In how many years are you looking to "retire" and live off dividends? Let me know in the comments below! 👇

[@carlosweaver6763]

Every single dividend aristocrat, or long has low growth yield. Bc once you grow it so long you can’t have high growth. Bc then your yield would be 30%. Common sense really

[@vincenthofman6649]

15 years from now

[@Rocco1994]

I'm the same age as you Ryne, i just turned 29 in Feb, i decided to do a hybrid portfolio of 30% PII etfs, and 70% growth. I feel like those high yields esepcially DCAing in can give a little boost to that snowball! to answer the question 21 years. So by 50.

[@sixsixman4052]

Turning 52 this year and after a few divorces I've had to start my investment journey all over again. Guys I just can't tell you enough when you're young, even 30's start a plan now! One day you will regret it by not following Ryne's advise, Professor G, and a few others. Realistically I'm looking at living overseas in a more affordable country because the US is not going to cut it. Good luck to everyone in your individual goals!

[@rynewilliams]

Thank you for sharing that! Where are you hoping to move to

[@sixsixman4052]

@@rynewilliams Probably the Philippines. They have very good healthcare (even VA clinics), affordable living, good food, and are very friendly to expats.

[@jeffaragon]

​@SixSix Man the philippines 🇵🇭 is a great place my mom is from Manila

[@miegoreng19]

​@@sixsixman4052I'm 34 years old and also planning to live in South East Asia. The Philippines is a good destination indeed alongside Thailand where I'm planning for my case.

[@asnarkygirl]

This is me too! I’m looking at Europe- like Albania

[@Rocco1994]

Really enjoy how real you keep things. No BS clickbait titles, pure authenticity. Glad i found this channel.

[@rynewilliams]

Man thank you so much, I really appreciate that. That made my day

[@Rocco1994]

@@rynewilliams Keep up the awesome work, i believe we're the same age! i just turned 29, I'm in about the same position as you so I enjoy watching! Let's retire at 48-50 and sit pretty ;)

[@dyslexcii]

I’m 22, looking to retire in 18 years. Have 25k invested currently, and can put in around 300-500 a week, typically the higher end. I’m going for a middle ground, with a 5.5% yield, but still some growth, so hopefully I won’t have to sell off my portfolio to change it to a higher yield at that 18 year mark

[@rynewilliams]

Very nice! You're off to a fantastic start

[@Duke_of_Prunes]

I have been retired for years. Instead of worrying about dividends, I bought quality stocks like PG, MSFT, and JNJ. Many of the same stocks that you highlight on the channel. To close the gap on my expenses, I bought rental properties at 20% down. One day I hope to retire 100% on dividends -- slow but safe.

[@rynewilliams]

Love it Duke - you’re an inspiration my friend!

[@Duke_of_Prunes]

@@rynewilliams I just wish I had been more serious about stocks in my 20s, like you have been. Your parents should be proud!

[@TortoiseInvesting]

I'm starting a new job end of the month which will increase my overall income. I've started doing little side hustles to try and increase my income even $50-$100 a month. I will be investing all side hustle money plus increase my total contributions. I want to be financially free around 45-47. I plan on paying my vehicle off sooner, which I will forward that into my portfolio too. I've tried my best to make my portfolio as bullproof as possible. Love your stuff man, always look forward to your uploads.

[@rynewilliams]

Thank you man I really appreciate that. It sounds like you’re doing all the right things, so keep it up!

[@tenaciousdean]

48 years old and we’ll feel like I can’t make it for dividend, I do do it and keep positive. I thank you for this vid

[@rynewilliams]

Thank you! It's hard to stay positive sometimes, I understand that. That's all you can do though. Just keep putting one foot in front of the other

[@rexrandall33]

Thanks Ryan I really appreciate this video….my 15 year time horizon is mostly to be able to cover my mortgage which is 1600 a month which I think is double. Your videos really help keep me motivated and I really appreciate it.

[@rynewilliams]

Thank YOU for the great question Rex! Keep up the great work my friend

[@JohnK.11]

Congratulations on the engagement!

[@rynewilliams]

Thank you so much!

[@texasbuzzard4970]

Curious why you aren’t interested in options at all? Not even the wheel strat ? Seems like a no brainer

[@rynewilliams]

It's not that I'm not interested in options - I just haven't taken the time to learn and would rather do other things right now

[@tylerestep2233]

A lot of of low yield high growth is better for the long term

[@rynewilliams]

Agreed

[@lawrence4385]

I am here for the long term

[@rynewilliams]

That's a good way to be Lawrence

[@BuckInfinidy]

Congratulations 💍

[@rynewilliams]

Thank you my friend!

[@julianf40ify]

I’m looking to retire by 62 currently that would be 38 years from now currently doing a low yield high growth plan

[@rynewilliams]

Nice Julian, plenty of time!

[@patschuster9619]

Stay off the booze. I figured that out when I was 60. Lol.

[@rynewilliams]

Thanks Pat haha

[@bkdvet]

10years. Today I’m collecting $38,000 per year in my brokerage.

[@rynewilliams]

Wow Brian that's incredible man!

[@arlteam8115]

1 MONTH $500 A YEAR

[@bluecollarbullionballer4269]

Well if you are single get your divden game up then move to a cheaper place philapines/thailandThats my plan for retirement wife is from Thailand so easy move for me.1 usd 34 baht today.

[@rynewilliams]

Very true! It’s wild to see how cheap it is to live different places like that

[@Happ1971]

Yup.. this is my plan

[@Gunny_1775]

I focus on mid yield and mid to high growth with 80% SCHD and 20% VOO I have 13.2% yield CAGR and on average 8% annual growth. I contribute 400 a week right now

[@rynewilliams]

Nice, that’s a really solid split

[@Happ1971]

Thoughts on JEPQ ... if your retirement is at 54 with 1.2 mil. Is it safe to put say 600k in that with the remaining in SCHD and DGRO?

[@rynewilliams]

I personally wouldn’t want that much in JEPQ or any other covered call ETF

[@farhadshatavy2668]

i have 457 from company and my ssc .and my paln is retier at age 70 or 75.i like to have dividens for travel .what do you think which plan is better for me.?

[@rynewilliams]

I'm not sure to be honest

[@oogie-boogie]

i dont like the idea of selling stocks to get $$, i would rather live off dividends

[@rynewilliams]

I’m with you!

[@Load2DeliverLLC]

I’m hoping to retire Alone in a nice nursing home…where I can shoot some free throws, maybe walk my robotic dog and have my robotic female companion tell me she loves me every day…if I could eat some good food daily too; that’s a plus…I started to invest too late in life…I hope to live in Thailand too.

[@rynewilliams]

I actually watched a video on living in Thailand today and it doesn't seem too shabby. It's ridiculously cheap!

[@smeg3519]

I live in the UK and investing was always thought as being something the rich do. Wish I’d started sooner. I’m 40 and only just started 😞 but following what you guys are doing and building my own dividend portfolio that hopefully i can tap into when I hit 60

[@rynewilliams]

You can do it my friend! Better late that never. I think you’ll be surprised at just how much things can grow in 20 years

[@smeg3519]

@@rynewilliams thanks mate. I’ve paid my mortgage off so hopefully can Invest a decent monthly amount. Quick question…. We have savings rates at 5.5% here right now and all my friends say I should just save and not invest. What’s your thoughts. Love your content by the way

[@fitnessking2]

I'm almost 39 and would be thrilled to retire at 45(portfolio then 800k-1m). I started investing last year (feb/march) and try to invest every year 100k. At the moment my portfolio is 150k + i have 2 pension funds in my country. Good Luck Ryne!

[@rynewilliams]

Wow that's awesome! You should be able to hit that retirement goal no problem. Thanks for the motivation

[@FootballCardOlly]

Congrats on the engagement Ryne. 🎉. I use to drink a fair amount of alcohol back in the day. Got serious about the gym as well and haven't drank in like 6 years now. I'm almost 42 and would be thrilled to retire at 55. Bring in about $250/month in dividends currently. Just added $600 into SCHD last week when it was in the low $70's but obviously have a lot of work to do to hit like $3k+ per month to consider retiring haha

[@rynewilliams]

Man thank you for sharing all of that. I’m sure I’ll still have some margs on occasion, but it doesn’t need to be a multiple times a week event haha. And man I bet $3k in monthly income will come sooner than you think. Keep up the great work

[@FootballCardOlly]

@@rynewilliams definitely hit the Marg's on occasion man. Haha. But I got to be where if I had one drink or 10 I'd feel just as crappy the next day. So finally decided to just quit. Appreciate your videos 👍

[@stephenhegarty6179]

I recently moved lump sum (200k) in to SCHD 50% and VTI 40% and 10% DGRO …..thoughts and I am at 56 yrs old like to figure or guess dividends by 67?

[@rynewilliams]

I think that's a solid spread of ETFs!

[@nmalloch7519]

My plan is slightly different, im 33 and just starting really but my plan is to boost my pension and build a greatet legacy for my kids who will inherit my shares and i have got them learning alongside me

[@rynewilliams]

Love it!

[@carlosweaver6763]

High growth won’t last 20 years. It will be high growth for 10 years, then they will drop the growth down. Just like every other company.

[@rynewilliams]

What are you basing that off of?

[@napfreedom2153]

At 50 I have pension, 401k, only need my assets to pay off my house in 10 years or less. Then dividends to cover utilities that's my goal. Everything else is gravy ❤

[@rynewilliams]

Nice!

[@jarc02]

Dividend investing is just a portion of my retirement income. My goal is less than 9 years. I will be 65 and have 20 years in public service. My pension plan will take care of my health benefits. I will be able to collect my social security and start taking money from my TSP. I want to live comfortably. Dividends will help imensely.

[@rynewilliams]

Nice!

[@Millennial_Fox]

I’m 28 years old and I plan to live off my portfolio in 12 to 15 years. Currently have $50,000 in my taxable and contributing $5,000 a month. The yield is 3.3%. I kinda want a higher yield but I want that growth.

[@rynewilliams]

That's awesome man!

[@striperkid]

Besides my long term investments, I started a small trading "play" acct last year. My plan is to invest in quality dividend paying stocks until I reach age 62 (when I can take Social Security). I hope to at least match the monthly SS payout with dividends from my "play" acct. I could probably live off that without the need to tap into my life long investing acct.

[@rynewilliams]

Nice!

[@Reys-Handle]

Congrats on the engagement!! Drinks all around! I'm aiming at 20 1/2 years from now! For my 50th birthday! I didn't know, we are the same age! I'll race you to the end 😂 let's get a table at chilis for 200 people, loved the stream keep up the great work!

[@rynewilliams]

Haha man that'll be awesome. Let's set a date and "retire" at the same time. Also, thank you!

[@patschuster9619]

Congratulations she’s beautiful. Hope you guys have a great life together

[@rynewilliams]

Thank you Pat! I really appreciate that

[@iacopoballerini1064]

Hi Ryne, I think you would simulate a dividend yeld around 3/4/5% and dividend growth 15/20% (there is a number stock such as Abbvie, Broadcom, Lowes etc.) and 15 years with a realistic contribution of 100/150 dollar a week, 15 years become possible; Obviously you have to consider your life standard.

[@rynewilliams]

Yea that would be an interesting simulation for sure

[@texasbuzzard4970]

34 years old. Contributing $1800 per week. Goal is to be working for fun by 50 so about 15 years

[@rynewilliams]

Wow those are some solid contributions

[@krisschmidt4054]

What are your thoughts on buying high yield dividend option etf like jepi nusi and qyld on margin at like 7.25 percent interest so robinhoods margin

[@rynewilliams]

That sounds like trouble to me. I would stay away from using margin

[@Braming1]

I’m 25 I figure it will be 30-40 years until I retire. My girlfriend (soon to be fiancé) and I are trying to move to my family farm and retire. My estimation is we need about 10 mil in the bank to make 3-4 hundred thousand a year. Just one step at a time we will get there 😎

[@rynewilliams]

Absolutely, keep it up man!

[@dustinmears9916]

Mite want to see a combo of let's say 70-30 split. 70-yield 30-growth see what happens

[@rynewilliams]

I did that in this video here if you want to check it out: kzbin.info/www/bejne/pmSwe4WGeq6ehNU

[@SCHDSTAN]

Congratulations on your engagement Ryne! Just catching this one now. 🎉🎉🎉🎉🎉🎉🎉

[@rynewilliams]

Thank you man!

[@davidiurasoc]

In my plan 20 years min, 30 years max! I'm 20 right now...

[@rynewilliams]

Nice David, that’s awesome. Good job starting so young!

[@jeffaragon]

I'm shooting for 20 years and I wanna be done working 💪

[@rynewilliams]

Love it

[@jarvinator94]

This was a great video! Very inspirational. The dividend happy hour or meet up in Vegas is a great idea. And thanks for the food recommendation!

[@rynewilliams]

Thank you man! You out here in the Vegas area?

[@jarvinator94]

@@rynewilliams No, I'm from the east coast, but I'm planning a trip to Idaho and Utah late August/ Early September but I plan on coming thru Vegas for a day or two. It'd be cool to meet you.

[@Kylerm2608]

I want to point work becomes option to point I don’t need a job to live but I’d work so I can start traveling and use my job for more fun stuff

[@Kylerm2608]

Plus I want to be working as a option at mid 40s and in 23 be turning 24 this year

[@rynewilliams]

That makes sense Kyle, good way to look at it

[@giuseppesanta2886]

Big congratz for the engagement! Very happy for you!

[@rynewilliams]

Thank you Giuseppe, I appreciate you my friend!

[@VictorSanchezVS13]

Can you please link that calculator? I can't find that one

[@rynewilliams]

Yea no problem! Here’s the link: www.marketbeat.com/dividends/calculator/

[@VictorSanchezVS13]

@@rynewilliams when I try to use it, it changes to some other calculator, so weird

[@bradleymartin781]

Hot damn congratulations.🎉

[@rynewilliams]

Thank you my friend!

[@Jason-kc5jx]

Congrats on the engagement.

[@rynewilliams]

Thanks Jason!

[@nyssian7264]

The problem with switching a low yield high growth portfolio to a high yield one is the huge tax burden you would face after years of capital gains unless you are in a tax sheltered account.

[@rynewilliams]

Those pesky taxes are always getting in the way

[@wongthong7]

Congratulations

[@rynewilliams]

Thank you!

[@tylerestep2233]

Exactly

[@tylerestep2233]

The dividends would be good

[@rynewilliams]

Man the dividends would be sweet!

[@texasbuzzard4970]

Love your channel bro but this comparison was jacked. For the high yielding one just model MO or jepi. Why make up numbers ? Schd vs MO SCHD vs Jepi. Would’ve made for a way better video than some random numbers

[@rynewilliams]

Calling it jacked is a bit dramatic. It's more than plausible to create high yield and high growth portfolios that match the inputs I used. I think it'd be worse to showcase a scenario where you only invest in MO for 30 years and compare that to SCHD