Income Over Wealth

The three crossover points where compounding takes over your portfolio, and the moves to make after each.

Show Notes

There are actually three crossovers worth knowing about. The first happens when portfolio growth exceeds your contributions. The second when it exceeds your earned income. The third, the original 1992 Vicki Robin definition, when income from your assets covers your monthly expenses. That last one is the only crossover that survives a flat market year.

  • Where each of the three crossovers actually sits in dollars (and the rough 20x rule of thumb)
  • Why the original crossover point got quietly redefined between 1992 and 2016
  • The four moves to make once you cross over, especially the RMD trap that hits at 73

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=zWGsGkDtu3o

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.