I’m Making $2,217 a MONTH in Guaranteed Dividends & 21% in Stock Returns - See My Stock Portfolio

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Books that have helped us on our Financial Independence Journey
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The Bogleheads' Guide to Investing: amzn.to/2UjEc4j
The Intelligent Investor: amzn.to/2MKGokh
A Random Walk Down Wall Street: amzn.to/2zIVI8p
The Book on Rental Property Investing: amzn.to/2UkwgQ6
Building Wealth One House at a Time: amzn.to/2ZJQuDW
Rich Dad Poor Dad: amzn.to/2ZD29IK
The Total Money Makeover: amzn.to/2Lc0thn
The $100 Startup: amzn.to/2UnBpqK
Freakonomics: amzn.to/2HCnDeJ
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Our Rich Journey - I’m Making $2,217 a MONTH in Guaranteed Dividends & 21% in Stock Returns - See My Stock Portfolio: We're making over $2,200 a monthly in dividends from one investment. It's so passive . . . and it's guaranteed! But, we're also making a lot more in returns from our other accounts! With interest rates currently so high, you may be wondering whether you should put your money in safer investments like HYSA, CDs, and money market funds versus riskier investments like stocks. In this video, we share what we're doing and give you some key things to think about!
▸▸▸Check out some of our other videos!
Stock Market Is Crashing, So We're Buying This NOW (See Our Top Pick):
• Stock Market Is Crashi...
Oh NO! Interest Rates Are Going Up! | Here's How to Invest in the Stock Market:
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9 Rules We Followed to Become Millionaires in our 30s:
• 9 Rules We Followed to...
Financial Norms Destroying Your Wealth - We Broke Them to Retire at 39 As Millionaires:
• Financial Norms Destro...
Our Top ETF Investments for Dividend Income and High Returns to Retire Early:
• Our Top ETF Investment...
Investing in Index Funds for Beginners | Tips & Advice From Millionaire Investors:
• Investing in Index Fun...
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DISCLAIMER:
We are not financial advisors. Our videos are for educational purposes only and merely cite our own personal opinions. In order to make the best financial decision that suits your own needs, you must conduct your own research and seek the advice of a licensed financial advisor if necessary. Know that all investments involve some form of risk and there is no guarantee that you will be successful in making, saving, or investing money; nor is there any guarantee that you won't experience any loss when investing. Always remember to make smart decisions and do your own research!
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#FinancialFreedom #HowToRetireEarly #FinancialIndependenceRetireEarly

[@OurRichJourney]

▸▸▸SPECIAL ANNOUNCEMENT: Enrollment for our 365 Days to FIRE Program is now open for the class of 2025! Enroll now and get 50% off the full price. Spaces are limited! Learn more at: www.365daystofire.com/

[@NguyenPhoung-zx5tl]

I'm overjoyed that I made wise financial decisions that have permanently altered my course in life. I'm an American single mother who bought her second home at a very young age. If all goes as planned, I plan to retire at age 48.

[@johnnyrobinson8168]

Excellent information and advice! Thank you for sharing! ❤

[@varup7483]

You guys give really good insights, appreciate all your work 👍.

[@Notreally6433]

Thank you for all of your advice.

[@OurRichJourney]

📈Looking to learn how to invest? Enroll in our Stock Market Investing Course: www.ourrichjourney.com/investingforfire 🔥Learn more about financial independence and retiring early: Enroll in our F.I.R.E. Master Class: www.ourrichjourney.com/firemasterclass 📅Enrollment is open for our 365 Days to FIRE Program, class of 2024! Space is limited. Learn more here: www.365daystofire.com/ ✈Want to move to Portugal? Enroll in our Moving to Portugal Course: www.ourrichjourney.com/movingtoportugal

[@TanyaAdamsWriter]

Thanks for sharing. I love the comparison of the returns from safe investments vs. what some would think of as risky investments (i.e., stock market).

[@artbw3413]

Great insight on building wealth, Amon.

[@TheCookingDojo]

I'm loving all the sales. Still investing like I normally do. But really enjoying the drop in Realty Income, PepsiCo,.Coca-Cola, and Starbucks

[@MoraimatheTraveler]

Always learning something new with your videos. I negotiated with my bank a great GIC for our cash reserve. I will research that Vanguard Market fund.

[@Marl-hj8hh]

Good video layout. No fluff and to the point.

[@abouss2629]

Great return Amon, thanks for sharing

[@coreyu81]

Thanks for the great content! What is your opinion of investing using something like Betterment?

[@seanmayfield7224]

GREAT INFORMATION AND INSIGHT

[@augimusicdotcom484]

Good job my friend. I appreciate the way you open your own account situation to explain to people.

[@DJ-ld6um]

Thank you so much, Amon.

[@cann9155]

Thanks for sharing. Holding on during the ride.💰💰💰💰

[@lashawn369]

Checking in from the DMV.

[@ms.schnapp7415]

Appreciate this information! What's the advantage of VMRXX with an expense ration of .10% over another hysa with lower fees?

[@moneycessity]

Great message! So important to consider your investing time horizon. The market has been SO strong for So long, that new investors do not respect market risk. A money market account is perfect for short-term investments.

[@dionneking8]

Thanks for the inspiration

[@Gwattasquad]

Thank you for the knowledge you spread on how to build wealth i subscribed to your channel a year ago and ive learned sooo much i truly appreciate you!!!!!!!

[@user-xt4ts2nu1p]

Hi Amon, I am using Wealthsimple linked to an TFSA, this investment option is not there. What platform are you using? Thank you

[@michellecusack5625]

Thanks, as always, for sharing. It helps so much to watch someone walk through the details of their actual accounts. These types of details on your channel move me to take actionable steps. And I'm sure I'm not the only viewer that agrees. Thank you again!

[@nimrodtomoren]

Hey, thanks for the good content. Question - did you guys make a video about local investment possibilities here in Portugal? This seems to be mainly relevant to those who have access to US financial products. If you haven't made a video, could you? Thanks :)

[@1stnamebr406]

Using a investment return calculator is really useful!

[@mediadumb1]

Now do the portfolio from Nov 11, 2021. It would be interesting to highlight that you are still investing in the market even though the portfolio has not returned from its previous highs, but you have likely received dividends and capital gains. Sharing what those returns achieved and highlighting that you are reinvesting those returns into shares that are priced lower today following your long-term investment strategy. Also keeping your money in Cash and earning all interest can be a tax problem as opposed to having qualified dividends and capital gains income.

[@jewelsg5532]

Great job

[@jsotogt]

Thank you for this video, such a great, relevant message 💯

[@OurRichJourney]

Glad it was helpful!

[@jmr2594]

Can you do a video showing us what stocks/ETFs you r investing in.

[@jbrad761]

Thanks for sharing your account information. "Putting the rubber on the road", which most money sites don't do!

[@annieshang1460]

What I don’t understand is usually the dividend are reinvested by the fund manager, do you actually withdraw them instead?

[@danelledautrievesanford]

Very appropriate topic. Truly informative.

[@OurRichJourney]

Thank you so much Danelle!💕

[@heatherblock1451]

Thank you amon..will you pay cash for your next investment property or do you get a loan from the bank??? Sorry if that’s to personal of a question…

[@mahesh1983]

Hi I tried looking for something similar I could invest in from Belgium. WMRR does not seem available there. Got any equivalents that I could look into? Great, informative video. Thanks.

[@DrBrunoRecipes]

Excellent 👌🏻 Greetings from England 😄 Have a great day everyone 🌻

[@OurRichJourney]

Thank you!!!😀

[@genjimonogatari6156]

Excellent presentation Armond! Thanks for the great ideas and insight 😊

[@OurRichJourney]

Glad you enjoyed it!

[@thelovinpapaya9671]

What are your thoughts on IULS?

[@jamescc2010]

Please call Pro and con between high yield Saving account VS dividend ETF I still think depending on the market condition ETF is better. As you know, market interest can change at any time, so your dividends can be impacted.

[@759uxu]

Love that you all always present information in such a logical manner, makes this information so much easier to understand. Keep up the great work ! 😊

[@OurRichJourney]

Thank you!😁

[@bc7896]

Would love to see your picks of 20+%

[@autobotdiva9268]

Gotta watch this again

[@willmallory9085]

I love this channel

[@JennyPace-po4qi]

I freaking love you guys so much! I have my emergency account set up and funded and wonder if I should open a separate high yield savings account to save for my move next year or if i could combine it in the emergency account? What do you think?

[@Cryptoinvestor-pv4fy]

What percentage of your gains do you pay in capital gains tax?

[@mayralangomas1918]

I have been following your journey for years and I wanted to say THANK YOU for sharing this wealth of knowledge and helping me learn more about financial freedom. I wish you and your family abundant blessings!❤

[@deniciabarriere6842]

It’s because of you guys l been able to invest in grow my stock portfolio over the last 2 years. I wish I started sooner.

[@nguyenguy19]

Does Portugal tax you high on dividends or not under NHR above US taxes?

[@Nemo504Investing]

Love some realty income and Main

[@jjtara]

I would love if ye do a video on what charities ye donate to. Always great content on the videos from both of ye.

[@bonitahill5239]

Thank you !! Excellent information!! 🤓🐶

[@bmahoney1568]

Amon, I enjoyed the video, but what I ask is what is your two year annualized rate of return for your stock portfolio, as your one year rates begin at the October bottom and are not indicative of future return expectations? If I had to guess, your two year rates of return are probably negative like the s&p500?

[@ronaldfortaleza1177]

0.02%

[@asphaltandtacos]

What is the minimum amount of individual stocks should the average investor own? I will have a few ETFs as well.

[@carolynwalker5524]

Thank you, thank you, thank you for sharing this. I had been having some hesitation about being so conservative. But at my age it makes the most sense! I'm feeling so much more confident after watching your experience. Big Thumbs up!!

[@lifewithmargot]

What age are you that you’re being really conservative? If you don’t mind me asking 😘

[@QueenLeiaLewis]

I'm first! 🎉 love yall's teachings

[@OurRichJourney]

Yes you are!❤️❤️❤️

[@kellylee514]

Could you please list what your investments are exactly? Thank you

[@Todd.T]

I have no stock/ETFs and see a lot of people talking about monthly income from stocks/ETFs with no details. At least now I have an idea what the other side makes in comparison to my type of investing. Thanks.

[@wit82]

Exelente

[@cyclops9125]

If u r young, stocks, if u r old, money

[@mikeyiorio1880]

Honest question, what is the incentive to put your money in the vanguard money market compared to a digital bank with a similar ROI and no fee? Like Sofi or discover around 5% and are there tax advantages to either?

[@themachine300]

I use the same vanguard money market account he uses. This account is just the settlement account for your brokerage account with vanguard. The money that is there can easily be used to buy whatever brokerage products you want, index funds, stocks, ETFs or treasuries etc. or you can just leave it there and let it earn interest. the settlement fund is technically not FDIC insured so there is theoretically some chance of losing some value but would be very very unlikely given how conservatively managed. You will probably get a slightly higher yield in the vanguard account than a HYSA but not very much higher

[@alexlandyhill]

For years I have done the same with almost all money in "relatively" safe funds that pay dividends. One day I will start widthrawing :)

[@brianjensvold1882]

A money market account you have to pay an expense ratio? And I'm guessing it's not FDIC insured either.

[@doublecream69]

How much did you put in to get that return?

[@feliciaflinders]

❤❤❤ 20% plus returns and average 4.3% on money market are great returns thus far for 2023.🎉 Thanks for sharing. Finding this level of information very insightful ❤

[@OurRichJourney]

Hey Felicia! ❤️

[@mikem6796]

@@OurRichJourney Great video. Can you share the etfs you are invested in?

[@mashanti_worldwide]

Thank you Amon for sharing.

[@willmallory9085]

0:26 is that monthly?

[@Laura-kb5sr]

Where are bonds in your strategy? I'm 52, and I'd always learned that even long-term, it's best to have some mix of stocks and bonds because they move opposite directions. But it feels like recent decades have been a historical anomaly, with bonds tanking when stocks tanked, and bonds just underperforming in general. Yet it's never a good idea to learn permanent lessons from a possible blip. Has something fundamental changed with bonds, or have we just all "come of age" financially during a bad period for them?

[@jhasemi]

High interest is temporary but Covered call ETF is a better investment vehicle. VMRXX is paying 5.3% interest while XYLD is paying 11% dividend a year in monthly installments. I am collecting $2400 a month from XYLD dividend.

[@djrom66]

Yeah but VMRXX has a net asset value of $1. You can’t lose money. In XYLD the net asset value drops with every dividend payout.

[@petem3162]

What stock or ETF do got ??? To the 21% of return.

[@ShutterSpeedGaming]

Thanks for teaching about this fund. I’m definitely opening up a vanguard account.

[@randolphwagner7658]

I would love to start investing but the constant market volatility and diff manipulations by big sharks makes me scared.

[@waynejacobs5241]

I would love to start investing too but the constant market volatility and diff manipulations by big sharks makes me scared.

[@YTDataAnalyst]

I would love to too but the constant market volatility and diff manipulations by big sharks makes me scared.

[@CarlosMiguelAlmeidaFernandes]

I have about 40.000€ investing money saved, and I am planning by the end of this month, to buy Vanguard S&P 500 ETF. Really think that a Bull Market is coming from that after. Fingers cross :)

[@rogeriahetrick2511]

Thank you so much for your video! One question: How are you guys being able to still invest in the USA living abroad? Betterment has asked me to withdrawal my funds because they can't hold investments for expats even though i have been using my parents US address. I am worried now!

[@Alex-he1ve]

The same question I have... How does Vanguard allow to keep your account active while you live abroad?

[@britneyhayes8725]

THANK YOU SO MUCH I NEEDED THIS. I HAVE ALREADY JOINED THE JOURNEY BUT STARTED WITH THE LONG TERM INVESTMENTS. THANK YOU SO MUCH FOR THIS VIDEO IT WAS CLEAR TO FOLLOW AND IT WAS EXACTLY WHAT I NEEDED. GOD LET ME RIGHT TO THIS VIDEO AND I AM GRATEFUL!

[@Lovagutca]

I find it difficult to invest in US money market funds from outside the US, because company's like Vanguard does not offer direct access to clients that live outside of US.. and please correct me if my wrong. Thanks

[@davidk6498]

Amon thanks for all you do for us I been dollar cost averaging there has been times when the market really drops quick ie march 2020 all my money was locked up is wise to have small amount cash on hand to take advantage of a big drop in the market ?

[@OurRichJourney]

Sounds like trying to time the market. But, it's always up to you! :)

[@JuniorRodigan]

Wow... half a million invested ...

[@mottaz75]

How much is your cash account to get that much in dividends

[@mottaz75]

??

[@kenshinhimura9387]

​@mottaz75 if you look closely at your screen you'll see that he has over $500,000 invested in that account.

[@JakeRichardsong]

Can be calculated knowing the interest rate and the monthly return.

[@danelledautrievesanford]

Hi

[@OurRichJourney]

Hi Danelle! ❤️

[@justinelliott2000]

Everything is on sale

[@robw6244]

There is no right answer because it depends an your age and the amount that you already have. I'm 68 and have much more than I need for for retirement. One million dollars gives me $55,000 dollars a year in guaranteed interest. Why take on any risk when you don't need to.

[@MTXSHO9732vV8SHO]

Hopefully there are Professional Athletes that watch your channel. I had an encounter with a retired Pro Athlete during a craigslist purchase I was making. I told him that I was glad to see he made it through his career without making SportsCenter/ going through the Bankruptcy stories etc etc. I think I offended him but I can't stand watching SportsCenter any more because of stories like that. Oh well...

[@ana-pi6ut]

Your returns are better than Warren Buffet’s.

[@Alvin_1914]

Lets goooo

[@OurRichJourney]

😀😀😀

[@Bull.2024]

How much did you paid on Capital Gain?

[@Bull.2024]

%?

[@pikkuporsas]

Let’s not get excited about 5.3% interest when the buying power of your dollar is going down 7-12%…

[@KenjiEspresso]

😂depends what you buy foo

[@justanotherweirdo11]

Better than 0%

[@JakeRichardsong]

Inflation is not nearly that high.

[@nyacoustics8373]

sounds nice but most people don't have 543k laying around to have in a money market account.

[@midkort]

What's your point? Several years ago, this guy also didn't have 543K laying around.

[@Lifemade007]

Brother the sooner you save your first thousand dollar the sooner you’ll be on your way to get that kind of money

[@mam09d]

This guy is clearly not an OG subscriber. Smh.

[@tiffanyhunter6035]

Lots do.

[@heatherblock1451]

Hi amon!! Im a huge fan, been following your channel for the last 2 years. Im 46 years old completely debt free, currently working on my fire number. But, getting closer and closer. Now, im working on buying rental properties. I purchased one last year…i paid cash for it. But everyone seems to have a big opinion on weather you should borrow money from the bank for rental properties or pay cash, if you have that option. Currently, 7.5 interest rates for investment property loan. My investments earned 19% following your vanguard recommendations🙌🫶

[@ShondaD_]

Hi What are your thoughts on Fidelity?

[@Laura-kb5sr]

Yeah, I'm interested in Fidelity instead, for my kids. Vanguard has a $3000 minimum to open, and many of its ESG (environmental, social, and corporate governance) funds are only available in ETFs. I think they're shooting themselves in the foot if they want to attract the next generation right off the bat. Fidelity has plenty of index and low-expense mutual funds, including ESGs, without this minimum.

[@kena2354]

VMRXX is safe in the absence of a financial crisis. That's what Google says. The fund is not FDIC insured. Man I'd be a little reluctant to have money in that with everything going on right now.

[@kasmirsdaughter6211]

Funds don’t have FDIC insurance. SIPC if it’s in a brokerage account.