Income Over Wealth

Three assets that pay you every month without selling shares, each priced on what it takes to produce the same $5,000 a month

Show Notes

If most of your savings sits in the stock market, it only pays you when you sell shares. This episode prices the same $5,000 a month from dividend stocks, rental houses and private mortgage notes, and grades each one on what it asks of you and where it falls short. It also looks at what an 18% market drop does to someone whose bills are covered by notes.

  • Why a dividend check still moves with the market, using the 2009 cut
  • Where a rental fails the paycheck test, even at a 7.4% cap rate
  • Why a note fits inside a self-directed IRA and a rental runs into the IRS rules

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=G1VXyV4lSwQ

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.