Paying My Bills with Dividends (Day 48) - May Results! More than Doubled Dividends from April!

Added: 2026-05-30

[00:00:02]All right, fun times in the life of Joe McKiddish. All right, today is day 48 of paying my bills with dividends. I'm Joe McKiddish.

[00:00:09]Um, well, today is all about adaptability. All right, so my laptop's completely dead. I ordered a new charger from Amazon and it said it would be here at 9:00 in the morning. And they said they couldn't deliver it.

[00:00:21]>> [laughter] >> Even and so I looked on the security cameras and they never even came to the building. So, here we are. I'm adapting. This is not my laptop. This is a a loaner.

[00:00:31]And so I had to get all my stuff on here, which was not everything as you'll be you'll see, but I'm I'm making it happen. So, sometimes life throws you curveballs.

[00:00:39]You know, I have this rule. I give my five myself five seconds to be mad. And I was like, "Dang it, you know." And I, you know, it's all my fault. I should have never left my my laptop charger out of town. And number one, number two is I knew when I ordered that one from Amazon to to hedge my bets, I should have done two orders and sent one to each of the addresses here in Salt Lake, but uh I'm in Salt Lake today in our office and I am using um you know, one of my coworkers, the guy who works with me, using his laptop.

[00:01:09]So, it's kind of weirding me out a little bit. His keyboard's all wonky and I am using my mouse though, so we're good to go. I got my my camera kind of connected to it. The software wouldn't install. I just having tech problems today, but you know, I'm an adaptable son of a so we're going to make this happen.

[00:01:25]And I'm going to pop some Zyns to calm myself down and we're going to get after it. A little nicotine never never hurt.

[00:01:31]Maybe depends on your opinion, I guess, but those make my make my brain work better, I think. So, we're going to do that. I can't smoke cigars in here, so Zyns it is. So, and I'm a big branding guy, so everything I have is branded. Obviously, I got my name badge on. I got my shirt on.

[00:01:47]My dang water bottle's branded and even my dang Zyn container's branded. So, there's your branding lesson of the day.

[00:01:53]Brand everything and people need to see your brand like 27 times before they remember it.

[00:01:57]So, if you own a business and everything you have is not branded, your your logo on your shirt's too small, your vehicle's not branded that people can see the phone number like 50 ft away, you got problems. So, uh maybe figure that out and you'll make more money. All right, so with that uh let's let's jump in and jump into it.

[00:02:14]Just finished a couple meetings this morning and uh I talked about yesterday maintaining relationships with people and uh it is good reminder to myself to always take the time to maintain relationships. So, uh took my sales team out for breakfast this morning, had a great great breakfast, uh great time and um you know, just building relationships and maintaining relationships is is critical and I did that this morning.

[00:02:36]Then I went into a meeting with a a bunch of my members where we talked about the stuff I talked about before with the you know, building goals and uh writing goals in a way that makes you feel a certain way. So, instead of writing your goals like, "I want to make a million dollars." you know, uh how does it feel to you when you when you hit those goals? So, uh what does it feel like is a lot more powerful motivator than just numbers on a sheet of paper. So, um that's how I write my financial goals.

[00:03:00]That's how I do it. So, uh and and every part of my life, relationship, health, um you know, money, business, all that.

[00:03:07]So, I I write down goals for each one of those every single day and it makes me uh really focus on what's important. So, uh with that said, um I I don't have my my normal disclaimer, so I shamelessly snagged one off of Google. Uh we are going to use just use theirs and uh the the disclaimer is I am not a I'm definitely not your financial advisor. I'm nobody's financial advisor. I'm not a financial advisor. This is not financial advice.

[00:03:31]Uh definitely you should do your own due diligence. Uh these videos are just me investing my own money and documenting my journey with my own money. If that's entertaining to you, stick around. It's going to be fun. Uh today's a big day in the market and uh we're going to get after it. All right, so let me Dude, I'm way too big over here. Let's shrink that down.

[00:03:48]The software is fun. Uh all right, so let's let's see if we can have no more text screw-ups for the next 20 minutes.

[00:03:56]That would be great. All right. So, let's let's get into the strategy I've been using just so you know what I'm about and what I'm doing here. So, this is strategy number seven.

[00:04:06]I've have used six other dividend investing strategies with mixed results.

[00:04:11]You know, I really focus in on building a snowball fast and I did it I I didn't really do that the first five times.

[00:04:19]Number six I was like, let's see how fast I can build the snowball and get it rolling and that worked out pretty good and it got me to the point where I could pay all my bills with dividends and I've been doing that for several years. You know, I started dividend investing heavy 13 years ago getting my mindset around it and then you know, it's a lot of mindset stuff, right? So, I was always taught to get your 401k, get your IRA, get that you know, Roth and you know, invest into you know, index funds and grow your your portfolio and I did that for years and I realized it was never going to help me reach my goals that I actually wanted to reach which was financial freedom ahead of time. I don't want to I don't want to die with the biggest portfolio. I want to be financially free much sooner and I didn't want to do it with real estate. I tried that and it sucked.

[00:05:03]I'm a terrible landlord, by the way. I really have a hard time with somebody's not They don't pay me rent. I had the hardest time you know, evicting people and you know, turning their families out. It [snorts] just broke my heart. So, I'm not a good good landlord and so real estate is not for me.

[00:05:20]And so, I found this a mentor of mine showed it to me and I'm I'm a thirsty bastard today.

[00:05:24]I've been talking non-stop for about four hours. So, bear with me as I take drinks. No puffs of cigars. Just drinking water today and we're we're going to get after it. All right. So, strategy number seven, the goal here is to grow dividend income to cover all my personal expenses.

[00:05:38]You know, my other portfolio does pay all my bills but I wanted to see how fast I could do it again and this was a challenge from a a of mine down in San Antonio. Um he he said, "What would you do different?" You know, and uh we were smoking cigars in the cigar lounge. He's like, "What would you do different with today's blend of of investments and tools?" And I was like, "Wow, I don't know. Let me uh let me think about that." And uh I I had I had no easy answer to that.

[00:06:04]So, I spent some time building out this this strategy, and we're going to see together if this is going to work. So, last time it took me 3 years from the time I started investing $300 a day to the point where all my bills were paid.

[00:06:14]I would like to do it in a year and a half, and I'm hopeful that uh new ETFs and new tools that that are out now and are going to come out during the time that we're doing this as we change some things up that they all work. Don't think that any of this is set in stone. This is going to evolve. Things change. So, um you know, new things become available, and I might want something better more than another, and we might change things up, but uh what I did was I created created this thing years and years ago called the wealth snowball.

[00:06:38]Came up with it one day, wrote it down, and I was like, "You know, if the debt snowball works for Dave Ramsey, um maybe the wealth snowball will work for me where I pay all my bills cheapest first instead of paying debt balance cheapest bill first, pay my uh my house bills cheapest first, and I get those covered with dividends, and then go on to the next one and the next one, and so on and so forth." And my total monthly expense uh $8,580 just for what I call house bills, so cars and, you know, things count into that. You know, I need those.

[00:07:05]I need to go places, and so uh that this is if you know, everything else went away, I could survive on this.

[00:07:13]Obviously, I can survive on less. You know, people are like, "Did you pay that much in rent?" Yeah, I like living in a nice house, you know, um because I can. And uh and uh I like to use my money however I want. It's my dang money. So, uh uh that that's the way I think about it. Your money is your money. How you invest it and what you do with it is your business. So, you know, if you want to go go to Vegas and blow it on shows or gambling or whatever, that's your money. You do whatever you want. You know, I got my own vices. I love smoking cigars, and I like smoking nice ones, not cheap ones, and uh you know, that's that's we all have our thing. So, All right. So, uh I I did I do everything I do in life in phases, including my investments. So, I broke this into into three phases. I was originally only going to do two phases.

[00:07:52]We'll talk about all three of them, but phase one here is to build a weekly paying ETFs up so that with a 35% total return, our goal here was to get $400 a month. I'm just going to skip over this.

[00:08:03]You can read it. Uh by the way, links to every single one of these things, you know, I'm going to talk fast today because I need to go meet with my members. That's why I'm in in Salt Lake and I'm going to go spend some time with them. So, I'm just going to skip over a couple things today. I'll let you go ahead and read along.

[00:08:18]And uh but the goal is to invest $300 a day in cash from my own own money and then reinvest all my dividends back into the weekly payers until I hit $400 a month, which I did back on the 7th of May.

[00:08:29]So, it's been almost a whole month since I hit that number and I will see what it's grown to since. And uh it's been been great. And then uh the goal here is getting the phase two to take 50% of the distributions and using some margin and I'm going to go over how I'm using margin. If you want to see how I'm using margin for day my daily life, I created a margin video back on Monday of this week when it was the holiday.

[00:08:52]But I'll also link it at the end of the video so you can see it. But like I was saying, the links to every single one of these things that I'm going to show you is all free down below. I'm not going to charge you for it.

[00:09:02]I I I believe in information and people should have more information and if you want to use any of this, knock yourself out. If you don't, you know, okay.

[00:09:10]Don't don't do it. And so, but everything on here is free and that that I created and as I evolve things over time, you can check back and you know, I I I'm taking your suggestions. When people give me a suggestion, go, "Hey, like we like to see this." If I think it makes sense, I'm going to add it in.

[00:09:25]And if it's some investment advice about a certain thing or certain way of doing things, I do have a test account that I'm running in in parallel with this on another platform. For this one, I'm using Robinhood. On the other one, I'm using Weble and I'm testing it on both sides to see how this works out. But if you if you give me some advice and go, "Hey, what about this ETF? Or what about this thing? Or how about investing this way?

[00:09:44]Or here's a strategy that worked for me." I I I am I am looking at those and I will comment back if I'm testing them.

[00:09:50]And I'll test them in my test account.

[00:09:51]And if they work out the way you know you say, then I will adapt it into here. And I've done that several times since we started this. All right.

[00:09:59]So, I don't know everything. And you know, I believe that a lot of people have information that I don't have. That's why I read books constantly.

[00:10:06]In fact, I have to drive it from here to Boise. It's about a 5 and 1/2 hour drive. I'm going to probably get a whole book or two in in that cuz I listen to on double speed. So, All right.

[00:10:17]>> [clears throat] >> Let's let's get into it.

[00:10:18]So, I'm going to invest 50% of my distributions plus margin into the monthly payers. This is where we're at right now, phase two.

[00:10:24]And then so, these are monthly paying ETFs that I'm investing in. And then 50% of of the and I'm going to put 50% back into the weekly payers.

[00:10:33]Because I need the weekly payers to get them growing, number one. Number two, we're going to dollar cost average into them up and down every all the time. So, we do dollar cost averaging as I put up here, but also down here I'm doing dollar cost averaging across the board.

[00:10:45]That's just the way I prefer to invest.

[00:10:46]Every investing book that I've read about buying dividend investing or growth investing, it doesn't seem to matter. Dollar cost averaging seems to be the best. I've tried it both ways.

[00:10:58]I've tried buying on the low and then not buying on the highs and only buying on dips and and then dollar cost averaging. And guess which one won? I tested both strategies over the course of an entire year and dollar cost averaging kicked ass. And then I'm going to keep doing it. It's been working for me for 13 years. I'm going to keep doing that.

[00:11:16]And so, um the weekly payers are at $400 a month.

[00:11:19]I'm also taking that $300 a day that I'm putting in there. I'm splitting that between the two. I created a calculator for that. So, it's super easy. And that that's linked down below as well. But you'll I'll be using it here in a second. So, shares of monthly payers will be bought evenly. Dollar cost averaging will be used as well. And monthly payers, the goal here is to average 10% dividend return, but these are the monthly payers are the only thing that I'm going to use to pay my monthly expenses, not the the weeklies.

[00:11:42]I don't trust them. Like um you know, some of them like NBI, I paid out a massive dividend this this week.

[00:11:48]Uh whether it's going to do that next week or not, I don't know. It's those weekly payers, they go they fluctuate too much for me to count on. But the monthly payers seem to be a lot more stable. I've been in them since the almost since inception on most of these in my other account and uh they've been going great. In fact, the dividends have been going up and rarely dip too much.

[00:12:06]You know, if they do, it's very slight.

[00:12:08]So, I can count on those to pay my bills for the most part.

[00:12:11]So, I when I when I picked them, I I found tax efficient ones.

[00:12:15]Uh I I I tried as much diversity as I possibly could and then uh growth is considered as well. And some of them I'm taking a swing on. They're new uh ETFs, newer ETFs, but they come from um you know, issuers that I have a lot of trust in and I talked to in the last video about some Nest Yield ones. So, if you haven't looked into those, um look into them. Or if you're already investing in them, let me know how they've been working out for you. I have a couple of them in my other account and they've been doing great, but I'm thinking about I need to add a couple more monthlies in.

[00:12:45]These couple of my monthlies moved to weekly payers and um because of that, now my my portfolio's unbalanced and so I need two more uh monthlies. So, if you have some ideas on some two more two more monthlies, they have to be return of capital, number one. Uh they have to be growing uh over time and uh they have to pay at least a 10% yield. So, there's your your qualifier. So, uh help me out if you've got something you really like or uh particularly the Nest Yield ones. Um if if you like those and you've seen good success and you think I should add them in, uh to you know, say yes and tell me why. All right. So, uh the and then I'm going to track how many days it took me to get each one of my bills. I haven't paid any of these yet. We just started in in the in the monthlies a couple weeks ago.

[00:13:24]Uh the it took go while to get the the snowball with the weeklies going.

[00:13:28]Now that's going we're into the monthlies and that that's snowballing too. So we're going to take a look at that. We got paid on two of them today.

[00:13:35]I didn't mark them in the dividend sheet so we're going to do that right on here here in a second. So the goal here is to pay everything all these bills in 1 and 1/2 years. Whether or not we're going to be able to do that or not we're going to find out. And then future, you know, if you'd like me to and I I got two more of these in the last video.

[00:13:51]If you would like me to add phase three which is all the stuff from my other long-term portfolio that I have that pays all my bills. Once I I did phase one and phase two in my other portfolio I added in what what I call phase three.

[00:14:02]So I started adding in REITs, BDCs that I I research, ETFs that are different than the ones I have here, closed end funds, that kind of thing that have a long history of price appreciation and dividend growth. And that's what I'm looking for and so I'm building out that list and you know, I'm looking I'm pairing down my other one.

[00:14:20]My other one's like 230 holdings. I'm going to shrink that down to something that's more feasible for YouTube YouTube videos. And then I'll start investing into those in phase three. So if you'd like to see that, you know, let me know in the comments and then I'll I'll count those votes up. You know, and I don't have a a number in my head but 50 is definitely not enough for me to spend another year and a half making videos.

[00:14:40]But I will if you're interested I'll stick with stick with it and if there's enough people entertained by this like watching me invest my money and doing those kind of things. And you know, having having help us if we all learn something. All right, so let's go.

[00:14:53]Let's I have these completely out of order.

[00:14:57]So here's the the weekly payers that I'm in and I'm not going to go through each one of these but you can see what they are. If you're interested in any of them, you can actually click on the link below, get into financial freedom strategy seven this this Google Doc and you or Google Sheet and you can actually click on all these. All these are links to the the websites of these particular issuers and the particular holding and you can read up on them yourself. So, um I do have a lot of crypto in here, a lot of tech.

[00:15:26]Uh I added the Walmart fund from Rex Shares uh in here and since they So, Walmart's the underlying under WMTI.

[00:15:34]The um I was worried that they were going to delist it. Um Rex Shares has been on a like a delisting phase of you know, and uh so uh la they they announced that they were going to delist a bunch of the of them.

[00:15:46]They they're not delisting any of these, thank goodness, but um you know, I like this Walmart fund even though it's been down last couple weeks. Um I think it's going to perform long-term. It's going to perform well. It's Walmart, for crying out loud. So, uh it's been been doing great across all time. I do I do like Walmart. You know, a lot of people don't like Walmart for whatever reason. I shop at Walmart all the time cuz I don't like to go to too many stores. If I'm going to actually get out of my house and go to a store, I want to go to one place, and that's been working out great. Since I shop there, I wanted to buy that.

[00:16:13]And I've got a couple of Tap Alpha funds. Chippy, I've got some semiconductors in here from YieldMax.

[00:16:18]I've got some crypto funds in here from Roundhill, and those have actually kind of sucking because crypto sucks right now, but I'm taking a swing on crypto coming back. So, um and then I the two weeklies that were monthlies, AIPI and FEPI, which I affectionately call Feppy, I moved uh up from the monthlies into the weeklies. I did add two in here, but because I now have 15 of the weeklies, I'd like to have 15 of the monthlies, and that's why I'm thinking about those Nest Yield ones.

[00:16:43]I'm heavy in the NEOs uh because of tax efficiency, but I do have these two new These are new JPMorgan funds that are OCWI and OCQ.

[00:16:52]The reason I I wanted those is because I do like JEPI and I like JEPQ, and I like uh JPMorgan's strategy around these ETFs. These ones being return of capital inspired me to buy them, and so that's what I've been doing here and in my other portfolios. And then uh I I wanted some energy in here, and I I like this um uh NXG Cushing Midstream Energy Fund.

[00:17:11]It's been up and down in all of the places. Energy's been going around around around, but I believe with more data centers and more need for ever energy that this would be a good fund for us for for me and this there's no us. Me, myself, and I, all three of us. We like it. So, Neos, [clears throat] I've got cryptocurrency Nasdaq owner S&P 500 Russell 2000 some more energy and infrastructure and I like this one cuz it's it allows me to invest into master limited partnerships without getting a K-1. So, kind of nice not getting I have all the I have a bunch of MLPs in my other account and my accountant does not like all those K-1s. So, save her some pain maybe by investing in this instead. And then AIUI, you know, which is gold. I've got some silver in here. I've got an Amplify fund. I want a QDIV in here just because I I I like this fund and I wanted to add it in and it's been solid since I've been buying it.

[00:18:06]We'll we'll take a look at how it's been doing today and then X X X SBI. I wanted some boosted funds in here originally, but I added AIPI and FEPI in instead, but then since those bounced out, I did move those Neos funds into here and this is these are boosted funds which are a little bit more risky, but a little bit more high return. We'll see how they do over time.

[00:18:27]And let's see how they're doing today here in a minute. Let's see. All right, so dividend payouts, I do need to add a couple. So, I got SRV. Let's go to Robinhood and see what in the heck those paid out.

[00:18:39]Let's go to history and dividends. I didn't get any weeklies today.

[00:18:45]Just the monthly ones.

[00:18:48]And I think my sore neck is because of all the tech breaking.

[00:18:53]>> [laughter] >> All right, so the this fund paid 45 cents. So, not not not crushing it with that, but you know, 45 cents is 45 cents. We're going to do 0.45 and then QDIV paid out $1.41.

[00:19:07]1.41.

[00:19:09]All right, so this is day 40 What did I say? 48?

[00:19:15]Is that right?

[00:19:17]It's got to be day 48. Let's make sure.

[00:19:19]Day 47 was yesterday, so it's day 48.

[00:19:22]So, let's do one of these numbers.

[00:19:25]And uh make this thing Let's copy.

[00:19:30]Oops.

[00:19:32]Dang it. This is weird keyboard.

[00:19:34]Don't like it. All right, so uh All right, day 48.

[00:19:41]And so this should calculate out how much we got um I guess we got to do this.

[00:19:47]You get to see what's behind the scenes a little bit today.

[00:19:50]Um See if it'll copy this formula. I don't think it will.

[00:19:55]I did it again. The control is in the wrong spot on this computer.

[00:20:01]It's making me nuts. All right, control C, control V. All right, so that did not work. So, let's go uh sum.

[00:20:11]And D sum.

[00:20:13]Like I said, this keyboard is weirding me out. All right, so um Let's do those.

[00:20:20]And there we go. We got $2.87.

[00:20:23]Let's see if this picked it up.

[00:20:25]It did. All right, so we're at $16.14.

[00:20:28]Our first month of first full month and it's only been a few days as you can see day 43 to day 48 that we've been getting paid on the monthly's. Uh we're at $16.14 that we've received so far.

[00:20:41]And uh next month will be much bigger, you know, much bigger. In fact, we should be pretty dang close to paying off that first bill here in the next few weeks.

[00:20:48]Uh so, we're going to go look at that.

[00:20:49]So, our total dividends with everything is uh $647.41.

[00:20:55]I do want to point out that yesterday was a killer day, $104.96 yesterday, just yesterday from the weekly's. So, the weekly's are are are uh fun in this thing. And then I did add an additional $300 of my own money in here. So we're going to add that in. So and by the way, in the links below there's a link to Robinhood. If you sign up for a gold account, they give me $5.

[00:21:17]And five bucks does add up. So with that 50 bucks I've been able to buy a pretty decent share of one of the monthlies. So thank you so much if you like Robinhood and you use my link, I greatly appreciate it and I'm appreciative of that. And you know, doing that gives us about gives me $5.

[00:21:33]And then if you sign up for Snowball Analytics, number one you'll get a discount and number two you're going to get a free trial there. And they're going to give me about five bucks for every sign up. And I've got a couple more that have signed up. I'm going to get all the they'll notify me when I can pull the money out and then I'll add the money in here.

[00:21:48]Oh, and YouTube. I did get monetized on YouTube.

[00:21:53]I did get a I cracked 100 bucks today.

[00:21:55]So I need to go in and figure out to with AdSense to go in and get it that all set up. So on Monday I'm going to pull that I'm going to put that information in and when they put the money into my bank account, which I think is going to be the end of next month or nearest end of next month, whatever money is in there I will invest into this portfolio. So you can see what gig worker side worker little amounts of money do.

[00:22:18]You know, when I did this the first time I invested $300 a day in cash, but then I would take side jobs and do side work to kind of boost the portfolio a little bit and I'm I'm replicating that by using the money from Robinhood and Snowball and YouTube. So you can kind of see almost apples to apples what what I did before and will and because I'm not going to go mow lawns. I just don't have the time to do it and I don't have time to do side work. I don't have time to do Uber Eats or any of that stuff.

[00:22:43]I want to spend some time with my family and I do travel quite a bit. So thank you so much for everybody who's subscribed and watched the videos.

[00:22:51]That's added to the YouTube stuff. So we'll see what that money looks like as it grows and I'm going to show you behind the scenes. I'm going to pull up my YouTube stuff on Monday and I'll show you exactly, you know, what the metrics are. A lot of people don't know how much YouTube pays. I didn't know, you know, before I started this. So, we're going to go take a look at that and we'll look at the numbers and and you can watch me invest them. All every dollar that I get from this is going to get invested into this portfolio. So, as of yesterday I was at you know, a total of $647.41 in dividends and I am using 200 or $2,359.91 in margin. And we're going to look at the margin before we finish today so you can kind of take a look at where we're at safety wise on getting a margin call.

[00:23:33]We we want to make sure that we I stay in the safe zone and so we're going to take a look at that together. And so far I paid $0.31 in interest margin interest and every time that ticks up I will add to it and we'll watch over time how that grows as well. All right, so All right. So, today we got $2.87. So, we're not not crushing it today, but that's expected on a Friday.

[00:23:57]And I did that again. Let's escape out of that, too.

[00:24:02]2. Was it 87?

[00:24:04]Yeah, $2.87.

[00:24:07]And that is That's not right. Let's do Let's do one of these numbers. There we go. Fixed that way that looks. All right, so that means we have $302.87 total that we've we've invested in back with the dividend reinvestment plus the cash. $302.87. I'm going to add 20% on more on top of that with margin. So, $363.44.

[00:24:29]So, I'm going to be add almost well, $61 almost onto onto that margin. So, I'm going to be able to buy additional shares. That's why I'm doing the margin so I can speed it up. And a lot of people ask me about margin. That's a big thing. Besides the margin video and I'll tell you this but my plan for it and this has been the plan all along. I will use margin all the way until all the bills are paid. Then the first couple months of I won't be paying bills. I will let the dividends pay it all the margin down. And then, from there we're going to go into phase or I'm going to while that's doing that the $300 a day that I'm going to add in I'm going to go into phase three. So, there is a plan to pay all that margin off and and we're going to we are going to do that at a certain point. So, the split goes like this. We're going to do $181.72 in today in the into the weeklies and $181.72 into the monthlies.

[00:25:19]We're not going to be exact with this.

[00:25:20]If you watch my other videos, I'm kind of willy-nilly with that a little bit.

[00:25:24]You know, within within range within a couple bucks. If I wasn't going to use margin, it would be $151.44.

[00:25:30]I put that in there because a lot of people hate margin. And so, I want you to see the difference in the numbers.

[00:25:34]So, you know, $30 difference into the monthlies and $30 difference into the weeklies. So, it's a couple extra shares a day. Couple extra shares a day adds up over time significantly. So, as of yesterday by the end of the day we had 59 shares. We're up to estimated $35.37 in dividends that we're going to get next month. We are going to change that as we go along. So, that's going to you know, dramatically increase between now and the time those pay out. All right.

[00:25:57]So, let's go ahead and look let's jump into Robinhood and start some investing.

[00:26:02]Now, today is a growth day is a green day. Some things are red. Surprisingly enough, Chippy's down. Blocks is down, which are the two things that have been winning across the board on on on growth. And those are those things are down and things that were were in the red are green now. Look at this uh freaking HOW, which is based on Robinhood, up 10% today. So, it took us from out of the the red in two days into the green on that one. And that's how fast the stock market can swing. So, especially with these weeklies, Maggie's in the green. PLTW is now in the green, which has been red all along, you know, almost all along PLTW has been down. And we're back in the green on that one. So, uh Yext is now the the the downside and then Walmart's still down today. Um but over the three months we've been investing in this, we're up 12.52% just in growth. Not counting the dividend dividends that we've been getting. So, this portfolio has grown in the you know, 48 trading days 12.51%.

[00:27:02]So, whether it's going to continue that or not, we're going to find out together.

[00:27:06]So, with that let's buy some weekly. Let me pull out my calculator so we stay on track.

[00:27:11]Uh, let's do this.

[00:27:15]Calculator.

[00:27:16]Let's clear this.

[00:27:18]All right. So, Walmart Let's buy buy a couple shares of that so that we're up to 41 shares since it's down again today. We're going to bring it up to where we need to be.

[00:27:27]So, we'll do a limit buy on that since it's a red day. We're just going to go with the bid price which is 3 cents less than the current price and we're going to call that 23 times Oh, I only bought one of them.

[00:27:38]So, let's replace this and do two of them.

[00:27:46]All right. I don't know if the audio is on on this thing. We're going to find out. It does not look like it. Let's turn that up a little bit. All right.

[00:27:51]So, we got two two of the Walmart ones at $23. So, we're going to do What is that?

[00:27:57]46 bucks? $46.

[00:28:00]So, at 46 bucks and we have $181 that we want to we want to invest.

[00:28:07]So, let's go ahead and do that.

[00:28:10]So, let's TSYX where we only have we have 40 of all these and four or 41 of these. So, we need to bring these ones that are 40 up to 41.

[00:28:19]So, this one's in the red today TSII or we're not down total but you know, it's a red day for it. So, we're just going to go ahead and increase our position in that. We'll do we'll do a limit buy. $19.46 is the current bid and the current price is 19.51. So, we're going to try and get a few cents cheaper. We'll see if that works out. So, plus $20 66 bucks. I am rounding these numbers in case you didn't catch on to that and to the nearest a dollar either up or down.

[00:28:46]So, I think it all balances out in the end. All right, so we're going to increase our position, do limit buy on top W.

[00:28:52]So, 38.96, $39 even is what the current price is.

[00:28:56]We're just going to go put that in. And we're going to put plus 39. Don't see that often where it's a already an even number. So, 105 bucks.

[00:29:04]And then uh TDOC uh we're going to increase our position into that since we have some room.

[00:29:10]And uh 26.39 um is Oh my gosh, look at the difference. Current Current price and bid price are dramatically different.

[00:29:18]We're going to go up to 26.41 and see if we can get it to go.

[00:29:22]But we're just going to call it $27 plus 27 cuz I think we're going to be closer to that. 132.

[00:29:30]And then um TSYX, we're going to buy one of those.

[00:29:35]And we'll go uh 24.18.

[00:29:39]Is the current bid. We're going to go up a penny on that one, too. And we'll call that plus $24. So, that puts us at 156 bucks out of the 181. So, we have We're just going to call it, you know, an an extra 25 26 bucks that we have to play with.

[00:29:56]So, let's see if we've got something up here that's close to that. PLTW is right at $25. So, let's go ahead and buy one of those.

[00:30:03]Limit. And we'll do bid price on that one. Look at this. The bid price is is higher than the current price. So, let's go down to the current price and see if we can get it to rock through. So, plus $25. Look at that. $181. 181.72 $181.

[00:30:21]There it is. 181 bucks.

[00:30:23]That hasn't happened before. So, we're going to we're going to go with that while we get the monthly's going. So, I'm going to clear out the count or calculator.

[00:30:30]And we'll start over. All right, so let's go down to the the And I should have bought some AI PI and FEPI in here because uh those are now weeklies, but we'll do that on Monday. All right, so we're going to start down here and see what we're off on on our numbers. We got five of each of the other monthly's. So, I D M I we're going to go ahead and increase our position here.

[00:30:49]Uh limit by we'll put it in at bid cuz it's 1 cent less. So, we're going to do 20 or $52 on that. 52 plus So, 52 Something went through. I D M I went.

[00:31:02]All right. So, we saved a penny. All right. Good job. Let's go. All right. Q Q Q I increase our position. Uh limit by on that. We're going to go cur uh bid price is 1 penny less than current. So, we'll do $57 on that plus 57.

[00:31:16]We're at 109. These monthly's are more expensive. So, they rack up quick. All right. So, we only have uh three shares of X Q Q I X Q Q I. Uh that is a mouthful. Um we're going to limit. Put that in at $54 even 1 cent less than current. So, we're going to do 54 bucks plus 54.

[00:31:32]>> [snorts] >> And that's a $111.

[00:31:36]Is that right? That doesn't seem right.

[00:31:38]So, we did uh That is not right at all.

[00:31:43]54 57 So, we did uh yeah, 54 57. Oh, yeah.

[00:31:50]Plus 54.

[00:31:53]All right. $165.

[00:31:55]So, at $165 and here's the problem here is uh I've got 30 less than $30 le- uh remainder and we don't really have much other than Q D V O that's in that spot. So, we're we're going to bump up to uh where we're we're down which is the silver fund. So, we are 8% down in that fund. So, we're just going to go buy one of those increase our position.

[00:32:17]And uh 33.19 is the current bid price. Current price is uh 33.22 and I'm going to go up up a penny and see if we can get it for that. And we're going to put that in at 33 bucks plus 33.

[00:32:32]So, we went over a little bit $198.

[00:32:35]All right. So, let's let's let let these rock away as you can see down here right under my my my video here I'm at $2,007.14 in margin and we're we're obviously going to dramatically increase that. Um All right, so let's let's bump this up a penny and go up to current price on the Walmart fund.

[00:32:55]And that one went through. So, we didn't save any money on that.

[00:32:59]PLTW just went through.

[00:33:01]Um Let's give it a Let's give it a breather. All right, so I'm going to drink some water. Let's give it a second see if any of the rest of these rock through.

[00:33:10]Be nice if they did then I don't have to adjust prices.

[00:33:14]All right, they're not going to do it.

[00:33:15]All right, so let's go ahead and replace them and pop them up a penny.

[00:33:19]So, we're going to go 1 cent less than current price on TSII and see if that one goes which it did not. So, uh saved ourself a a second on that one.

[00:33:27]So, this one TOPW as you can see the last price was 38.95 current bid. So, this thing's increasing. So, let's go ahead and bump this up to 38.98 as a limit buy and see if that one goes through and uh it is not going to. So, um we're going to go [clears throat] up significantly in TDAX. Oh, TOPW and and the silver fund went through. All right, TDAX is way off. So, current price is uh 26.68 and the current bid is 26.39.

[00:33:55]So, we're going to go up up up to 26.45 and see if that one will go through.

[00:33:59]QQQI went through.

[00:34:01]So, that's nice. Uh TSYX we're going to replace that one and we're going to go up a couple pennies on that one.

[00:34:07]Still 2 cents less than current.

[00:34:10]XQQI we're going to go up to um you know, uh one 1 cent below current on that one.

[00:34:17]Oh, TSII went through and TOPW went through. And this is kicking ass and taking names over here. All right, T TSYX and TDAX if you've been watching these videos these things are uh notorious like with bid price and this price being off. So, we're going to go up to 2650, which is still 18 cents less than current.

[00:34:37]And uh see if that'll If that went through, I would be so ecstatic. All right. So, uh we we're only what? 2 cents off of the current on this one.

[00:34:45]We're going to go 1 cent less and see if that'll go through. Oh, and it did. All right. So, now we just got that TDACs one, which is way off uh for whatever reason, and we're just going to go up in 5-cent chunks until we get it.

[00:34:57]Uh otherwise, we'll be here all day. Oh, and it went through. All right. So, we did save a bunch on cur- off of current price on TDACs, and uh all of them went through.

[00:35:06]So, let's go update our sheet on the monthly's. So, XQQI um we added a share of that. So, now we're at XQQI, we're at four of those.

[00:35:19]And then um we are at the silver fund, we're at six.

[00:35:27]So, we're at six of those.

[00:35:30]And then IAU, I think we bought one of those. IAU, I know that was at five. IWM I we've got to be at five on those. I think we're at five on everything other than the Qs. So, let's go uh or the the new NEOS funds, we're at three and four. So, everything else is at five. So, we're going to go five of those. That makes it easy.

[00:35:51]Uh QQQI and then uh three and four on those ones. And everything else is at five.

[00:35:58]All right. So, uh that bumped us up to $38.13. So, we means we have $21.87 to go on the monthly's before our first bill is paid. So, we are getting dang close on these.

[00:36:10]Um th- this is going to go much faster next week when all those uh weekly's pay pay out uh Monday through Thursday. So, we're going to we're going to get some uh big movement there.

[00:36:19]So, let's go over to Snowball and see what kind of effect this had on our overall uh portfolio. So, let's go ahead and sync now, and uh let's go sync it back from Monday, and uh pick up any dividends that might have that it might that Robinhood might have might be reporting now.

[00:36:38]Hopefully, it does.

[00:36:39]There are a couple days off on reporting dividends, by the way. So, um Schwab and other other things like that are instant, but uh Robinhood I don't know how it why it doesn't report them instantly, but they're in kind of a hold hold pattern. So, uh it doesn't tell me what what's going on here. So, let's go in real time, like it should, but it's close enough. Close enough for for me. I still love I I absolutely love uh Snowball. It really makes it easy for me to look at all this in a pane of glass. You know, uh somebody asked me yesterday, they were like, "How do you see all your dividends?" I'm like, "Bro, Snowball Analytics. Uh it is the way."

[00:37:11]All right. So, uh let's go to the dividend calendar, which is my favorite view.

[00:37:15]So, uh because of the way uh NVII I paid out uh yesterday, uh it boosted this number. I don't think we're, you know, I think this is going to drop next week when NVII pays out again, because it bases this monthly estimate based on the most current dividend payout. So, um if NVII play pays out at that level again, I'd be super excited, but I don't think that's going to happen. But, we're we're pretty close. I think about 550, maybe uh 560 dollars annually in um in actual dividends that we're going to be receiving in in in monthlies, which takes us up to, you know, probably around 6,500 or so in annual income. So, um which is which is pretty fantastic for investing in this for 48 trading days. So, uh the current yield across all of these is about 40%, and uh yet to receive, it says $133. So, these are the dividends that have not been uh reported yet. So, uh but, the total for the month, uh we will end up at $444.37 in dividends in May. So, remember that number, 4437.

[00:38:19]So, um if you look at the dashboard, what I did last month, first month the full month of investing, we did $203. This month will actually be $447 when we calculate in the actual dividends. So, this is what's been calculated so far, but once the dividends from yesterday and today and Wednesday get uh reported by Robinhood, we're going to end up with $447. So, we more than doubled our dividends and we're definitely going to do that again on next month. So, the amount of dividends we're going to receive next month uh in June are going to far exceed maybe probably close to double or more uh the dividends we received in May. So, uh with the snowball is working. I don't know if you know a snowball is work, but the more you roll it, the bigger it gets, you know, for you those of you who live in warm climates haven't seen snow before. That's how snowballs work and that's why they call it a dividend snowball. So, uh as you as you're investing, the snowball gets bigger and bigger and bigger and uh that's what's happening here. All right, so let's go back to the dividend calendar.

[00:39:14]We have finished off May and uh the screen on this laptop, I know it's white, it makes me nuts, but uh mine's black uh you know, black background, which I like, but I didn't want to mess with his laptop. Don't mess with other people's things. So, uh I'm leaving it as is, but you can kind of see here yesterday is a huge day, $108. And then uh today we got, you know, this is this number is not quite right, but where is it? Nope. Uh I don't think so.

[00:39:39]Uh let's go look. Where were we at?

[00:39:41]Dividend payouts.

[00:39:42]Um it was actually Was Is that right?

[00:39:44]242? Did I put that in wrong? Uh let's go look at at over here on Robinhood on my phone cuz I accidentally closed the the Robinhood tab and I don't want to mess with it again.

[00:39:55]Um I'm on somebody else's account, so I'm in incognito mode, so I'd have to log back into everything, which I'm not going to do. So, let's see uh history.

[00:40:04]Nope, there That was right. One I typed it in wrong. It's not 242, it's 141. One.41.

[00:40:12]So, that does change some things. So, we're at $1.86. Thanks, snowball, for keeping me in check. And so we're at a dollar and 86 cents that we got today from the monthly's. But yesterday was a huge day, $108.

[00:40:24]Uh next week it'll get balanced back out between Thursday and and Wednesday. But seeing $108 coming in all at one time was kind of exciting yesterday. So we got paid on a lot of a lot of stuff yesterday. Let's go look at next week.

[00:40:39]Uh I don't need one year ahead. Let's go.

[00:40:43]Where are we at? All right, here we go.

[00:40:44]There's June. So >> [clears throat] >> is Wednesday a holiday or something? I don't know what's going on here. All right, so uh Monday we're going to get paid we're going to get paid again we're going to get paid bigger and bigger. And then I think they just haven't moved all the Wednesday ones back because of the weirdness of the holiday from this week.

[00:41:02]So a lot of these are going to move back where they should be on on Wednesday.

[00:41:07]And this will balance out. But we're going to have a pretty pretty big week because ROCY and ROCQ and the Q Q XQQI and XFI are all going to pay out on Friday. So we're going to get paid on Friday again but from monthly's. So you can see these monthly monthly ones are starting to stack. And let's go look at what work we've done.

[00:41:27]So the final day here of the month Q divo and SRV the way these are going to pay out you know they're going to pay out slightly different than they are now. But you know as you can see the work we're going to do the next couple of weeks is going to dramatically impact this number. It's already predicting we're going to get $647.

[00:41:44]I believe by the end of the month after we do all the investing that we do for the month we'll probably close to $1,000 in June. So we're going to find out.

[00:41:52]We're going to find out if that's true.

[00:41:53]If that's true that's going to be awesome. And I want to my goal at the beginning of a snowball is to double month to month using no more than the $300 that I put in plus the dividend reinvestment plus little money I get here and there from from Snowball and Robinhood and YouTube. So if we can double the the amount every single month for the first 3 months.

[00:42:13]That That's a great great start to our snowball picking up speed, right? So, let's roll this son of a downhill and get this thing going faster. And I'm And what we'll see, my prediction is by the end of June, we have that first bill paid and we're well into the second one.

[00:42:29]So, and I believe that'll be the case. I believe by the end of June, we'll be well into the second bill getting paid.

[00:42:37]And then July we'll probably get the second bill and the third bill done. So, that's how fast the snowball is rolling.

[00:42:43]So, that's That's my prediction. We're going to find out if that's the case together. All right, so let's go look at one more thing here and that is our holdings because things have changed in just one day. You know, we went from zero to hero in in one day with a couple of these holdings. So, total profit Let's order this. Chippy still kicking butt. But look at this. How Here's zero to hero for you in a minute.

[00:43:04]HOW was in the red like a week ago. And now it's up 20% total return. So, capital gain plus dividends received, that's how fast things change with these weeklies. So, that's why I always tell people, you want to get in these weeklies, be careful. You know, things change in a minute. So, with these. So, be do your own research on these before you start throwing a bunch of money at it. So, you know, always be careful investing your own money. Money is hard to get, easy to lose.

[00:43:33]And so, it's not hard to get. I get I get You know, I I I can get money any way I want and I can make more money and I can always I tell people there's one thing you can't get back and that's time, but you can make more money. But that doesn't mean you should be too flippant with it. So, be be careful with your money. Do your own research on all this stuff and you know, invest wisely. All right, so And some people think I'm not wise with this, but I've been investing long enough. I know what I'm about, I believe. And if I'm wrong, I'll I'll eat some crow. But if I'm right and you say I'm wrong, I expect you to eat some crow, too. So, that's how how I like to work. All right, so with that uh uh CHIP still winning, HOW now is in the number two position. Blocks has dropped from number two to number four.

[00:44:16]Uh TDAX has moved up like a champ. You know, I think it actually was number three. They're just you know, swapping around. Uh TOPW is still crushing.

[00:44:23]So, as you can see, we got a lot more green than red now. So, uh over the last few days, we had a lot of red. Uh not a lot of red, but a couple more of these in the red. So, even um you know, let's go up a little bit. Where is it?

[00:44:36]Where's Where's uh PLTW? Look at this. So, PLTW has been a drag on this portfolio almost since day one. And um as you can see, let's go look at what Palantir is doing today. Uh PLTR.

[00:44:52]Uh Palantir is up significantly today.

[00:44:55]So, because of this massive increase, and I figured people would um would get their head out about Palantir at some point. Uh so, uh and they did apparently all in one day.

[00:45:06]And And because of that, and because these these funds funds have leverage, right? PLTW um went up significantly. So, uh here we are. We've got uh 8.86% uh total return on this. Uh it's about half and half between capital gain and dividends. Um and dividends will far out strike capital gain on gains on PLTW if history is any any uh indication. So, that 10% 10.46% as you can see, PLTR went up 8.47. And because of the way that uh these funds are are structured, um they're going to they're going to get that plus some. So, uh about 1. 1.2x So, uh is what what I believe. I'd have to go back and read the exact um you know, way this fund works, but I believe it's 1.2x. And so, that's why the 8.

[00:45:55]47 is 10.46 in here. And so, you can see now we're in the green on PLTW. Whether it's going to stay that way or not, we're going to find out. I like Palantir. I think it's a good company. I don't like some of the things that they do, but, you know, I think they make great money and they do a great job at what they do. So, um that being said, I'm not investing them for any political reasons. I'm investing them for money.

[00:46:16]And so, uh that's why I've got PLTR PLTW based on Palantir. And I don't like Palantir stock because they don't pay dividends. So, um my rule for myself is I only invest in things that pay dividends. All right, so with that, I'm about done here. Um as you can see, uh gold and silver have been the things uh dragging us down and they still are a little bit. Uh and cryptocurrency, and amazingly enough, this MLPI is uh down about 3.58%.

[00:46:43]I don't think that's going to stay around forever. I think that's going to increase. Uh I'm sure something happened in Iran, blah blah blah, and that's why uh the the energy funds are dropping.

[00:46:52]Who knows? I haven't looked at the news today. So, and I'm not willing to cuz I got other to do and I don't The news just drags me down, bumps me out anyway. All right, so uh capital gains so far in this portfolio, uh pretty great. Dividends are great.

[00:47:05]You know, even without the last couple days of dividends being calculated into this, I'm still up 9.37% in total return in this portfolio, which I think, uh for the amount of time I've been we've been investing into here, uh has been fantastic. So, if you don't take the margin into account, uh my portfolio value uh of the of the actual shares, 606.01. Oh, by the way, let's see if we can sell that thing uh actually Oh, I can't. I I closed Robinhood. We'll do it on Monday. So, there is a share uh fractional share of Microsoft in here uh ba- that $5 they gave me is now up to $5.29.

[00:47:39]So, on Monday, uh we're going to sell that thing and get that $5 and whatever cents uh loaded into the rest of the portfolio. But, that's what that that point.01 is. So, we have 606 total shares uh equaling out to $19,459.48 in account value. And if you go back to what we were we've invested so far $15,686.40 of of actual hard currency and plus dividend reinvestment which this takes into account we're at $19,459 in account value and estimated dividends for the year or for the next 12 months is $7,933.05 and $0.05. All right, so let's go to the goal real quick and see how we're on track. So we're at 8% of goal. I think that's going to drop down to back to 7% middle of next week when everything pays out but it still says I'm going to achieve my goal in 3 years. We're going to find out how I'm after 1 and 1/2 years and hopefully the margin gets us there. So I will go back into Robinhood, update the margin amount that we were invested in currently. Actually maybe I can find it probably on my phone. Let's go look.

[00:48:49]Accuracy is key.

[00:48:51]So let's let's see if I can figure that out. Let's see how much margin I got.

[00:48:55]I'm now at two 2,300 actually went down. This is kind of interesting.

[00:49:02]Um three 2.49.

[00:49:09]So I'm at $2,332 in margin and that's okay. So let's go explore my margin. I'll show it on my phone. So I'm still in the low risk zone if you can see that. So currently my buffer is pretty massive. If almost 67% of the portfolio would have to drop before we get a margin call and so using the margin to speed things up is significant because at $2,332 we'll just call it 2,400 bucks. That's about 8 days of investing additional that I've been able to add into the portfolio using margin which speeds up the snowball. So we'll see if that continues and things work out starting on Monday. So stick with me. I think this is going to be fun. Uh Monday's exciting and with that, thank you all.

[00:49:54]Uh have a great weekend and we'll see you all on Monday.