Income Over Wealth

The portfolio it actually takes to cover your bills with dividends, at today's yields, before and after Social Security

Show Notes

Living off dividends sounds simple until you work out the savings it takes to pull off. This episode runs both numbers at today's yields, the bigger one for the years before Social Security starts and the smaller one after, then looks at what dividend investing has actually delivered. That includes what the major dividend funds returned over the last ten years, what the 8% and 12% funds are doing under the hood, and the tax break that comes with a catch.

  • Why a couple can need $400,000 less than a single person with identical bills
  • What every major dividend ETF returned over the last decade against a plain index fund
  • How to test any high-yield fund in two minutes, and what one filing showed about where 36% of a fund's payout came from

Take the free Retirement Income Roadmap (7 questions, about 30 seconds): incomeoverwealth.com/map

Watch this episode on YouTube: https://www.youtube.com/watch?v=xP2OM0SDFU8

This episode is educational and focused on strategy and math. Always consult a qualified tax or financial professional before making personal financial decisions.

What is Income Over Wealth?

Retirement is an income problem, not a net-worth problem. Dan Wilson is a real estate investor, not a financial advisor. He buys and rents houses in Ohio, funds them with private money instead of bank loans, and built enough income from real estate to leave the Air Force. Twice a week, in about fifteen minutes, he works out how to replace a paycheck in retirement: where monthly income actually comes from, what each source costs you in risk, and how private lending works — including what to demand from any borrower. Every episode is also a video on YouTube. Educational only — not financial, legal, tax, or investment advice, and not an offer or solicitation of any investment.