Income Over Wealth

Eight income streams your assets can pay you without selling anything or clocking in, and the two things people wrongly count as income

Show Notes

Your 401(k) balance isn't income. Pulling money out of it means selling an asset, and that hurts most when the market is down. This episode sorts through what actually pays your bills after the paycheck stops, from Social Security and dividends to bonds, rentals, and private notes, then asks you to count how many real streams you have right now.

  • Why a withdrawal from a 401(k) or IRA is a sale, not income, and when that timing hurts
  • How a married couple can collect around $99,000 in dividends and long-term gains at 0% federal tax in 2026
  • The eight streams sorted by whether they pay you without selling or working, and which one to build next

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=Y1GV_LiyK80

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. Free tools, the weekly letter, and every episode's notes are at https://incomeoverwealth.com. Educational only. Not financial, legal, tax, or investment advice, and not an offer or solicitation of any investment.