Category: Investments
Bond Growth Investing: Bonds to the Rescue
Why should dividends have all of the fun inside of your growth investing portfolios? Is there a way to mirror dividend growth in our bond portfolios? The answer is yes and no. However, bonds can be a great addition to anyone’s passive income and growth portfolios, but they take a little more education than DGI…
High-Yield Savings vs CD Ladders vs Series I Bonds
We know saving AND investing are vital to our family’s and finances’ long-term health. However, most of us will start on the savings side. As savers, we have more tools at our disposal than ever, and navigating the sea of options may be challenging. Luckily, I am here to put three solid strategies to the…
Dividend Investing in Your 70s
Is it too late to start dividend investing in your 70s? Of course not. Plus, you will have to find a way to keep your 401K and Roth IRA growing throughout retirement and beyond. Welcome back to the Dividend Investing at Any Age Series (20s, 30s, 40s, 50s, 60s), where we build investment strategies for…
The Magic of High-Yield Bond Reinvestment
Do you want to be a high-yield dividend income investor but fear losing principle? Almost anything you invest in with high-yield faces interest rate risk. It’s understandable if you gravitate to safer products like Series “I” Bonds or Treasury Bonds. If you are near retirement, you must protect capital at all costs. But what if…
Investing for Interest 109: Series I vs 30-Year Bonds
Things are looking good for interest rates on a fixed income. The Federal Reserve is raising rates to combat inflation, which makes savers very happy. Don’t get too excited because increasing interest rates will indeed crash the economy. High mortgage rates will slow the housing market, which may cause a full-blown recession. Now, more than…
Bonds 4 Life: I’m Buying 30-Year Treasury Bonds at 4%
It’s been a while since 30-year Treasury Bonds have appealed to the investor inside me. When I started investing in 2019, I was getting 30-year bonds at around 3.3%. It turns out that those were the peak rates for the next three years. Rates slowly decreased and then jumped off the ledge during the pandemic. …
Roth IRAs vs. HSAs
As we grow older, lowering our tax burden becomes a more significant part of our lives. Our income should increase every year, and if we don’t take the necessary steps, so will our taxes. Roth Individual Retirement Accounts, or Roth IRAs, allow us to invest after-tax monies and keep all the principles and gains growing…
5 Takeaways from “HSA Owner’s Manual”
“HSA Owner’s Manual” by Todd Berkley is a must-read for everyone. Although many people will never be eligible for a Health Savings Account (HSA), it is good to know their benefits. HSAs are triple tax-protected savings vehicles, where owners can use distributions on qualified medical expenses. Triple tax-protected means that contributions, growth, and distributions are…
Fruits of the DGI Tree
When you do it correctly, dividend growth investing is a boring hobby. You pick 15-20 blue-chip dividend-paying stocks and keep investing in them for over 30 years. You hardly need to review your portfolio, check the stock markets, or read the news—you only need to stay the course. However, what you are building is of…
The Dividend Debit Card 2
My Dividend Debit Card has been popping off recently. I am getting close to $200/month on my Cash App Debit card—which I refer to as my Dividend Debit Card. More importantly, my wife has a Dividend Debit Card, and she loves getting her fresh cash flow monthly. It’s a great system and puts your money…
How to FALL into Investing 2
Ah, fall approaches again. Isn’t this a great time of the year? What makes it even more remarkable is that fall is the season of dividends and royalties. Last year, when I wrote “How to FALL into Investing,” I earned $430/month in dividend income. This year, I am over $1,000 in dividends for the month. …
The Magic of Automated Income Investing
There has never been a better time to become an automated investor. When you combine automated investing and income investing, you have a consistent way to create a paycheck. In this article, I will start with becoming an automated investor and dive into some of the various techniques I use across my accounts. Let’s begin.…
Dividend Investing in Your 60s
You worked hard over the last 30 or 40 years in the workforce. Even better, you saved a large amount of cash in your 401K and Roth IRA. Conventional wisdom says you should slowly drain your account using the four percent rule. Today, I offer a different method to make your money work for you—dividends.…
Dividend Investing in Your 50s
If we started investing in our 20s, 30s, or 40s, our 50s should be a time to focus on setting up our children. There are many ways to set up our children, but one of the best is building them a dividend growth investing portfolio. We used income investing in our early years because we…
Dividend Investing in Your 40s
This is it! Your 40s are your prime earning years. This timeframe is when you have the most control of your body and your mind. You should be earning massive amounts of money during your 40s. If you aren’t there yet, let’s start with that, then move on to dividend investing. Welcome back to the…
Passive Income Road Trip #3: Dividends
I woke up today in Fort Stockton, Texas, somewhere in the middle of this enormous state. It is hot as all heck here, and I wasn’t used to the heat. No matter how hot (or cold), passive income continues to flow into my accounts. Probably the most sought-after form of passive income is dividends. Welcome…
Income Investing vs. Index Funds
With the swift downturn of the stock market in early 2022, things changed for near-retirees. They watched as their 401Ks and index funds quickly lost 30-40% of their value. Index funds track the markets, for good or bad. They typically give some of the best long-term returns outside mega companies like Amazon (AMZN) and Google…
Should You Trade on Margin?
No. Why put yourself, your family, and your portfolio at risk? Margin can amplify gains, but it tends to magnify losses. Today, let’s discuss the disadvantages of margin, safer ways to trade, and ways to invest by taking loans against your assets. What is margin trading? Margin is a loan against your assets. Depending on…
Dividend Investing in Your 30s
I’m not going to lie; dividend investing will be tough in your 30s. Your 30s are the most expensive times in your life. Not only are you trying to get your (financial) act together, but add a family on top of everything. Therefore, the best way to invest during this time is to keep your…
The Stock Market is Not a Wealth Generator
I hope this article finds you in a timely manner. The stock market is in the middle of crashing and may have another leg down or two. Many people are freaking out, and panic may ensue. Me, I am maxing and relaxing. I am adding more to my positions while storing cash because there are…
