Breaking my unemployment streak! August 2025 - June 2026

[00:00:01]Hi, my name is Amy. Thank you very much for watching and let's make some bad financial decisions together. This is for entertainment purposes only. So if you're entertained, please like and subscribe. I would really appreciate that. So now it is time for us to do the midmon review. That's more of business and life update. And so we're going to start with yieldmite.com. I am the owner of yieldmite.com. I do receive ad revenue from the website. However, this video is not sponsored. So, YieldMite has had kind of a quiet month. I did a little bit of a change in the build a portfolio feature which I showed yesterday where basically um when you're looking at this the percent distribution is now stacked with the theme because we weren't able to see the ticker here and it was really inconvenient not to be able to see it. And so that was just something small that I did. And so I've just been keeping YieldMite itself updated to the best of my abilities. I did expand a little bit of the automation, but there have been issues like with Dix and Blocks where they um the automation isn't perfect and I didn't catch the errors. So, um, I'm just striving to have you might be as accurate as possible.

[00:01:35]And so, my new job, the one that I announced last month, they finally, I think we have a start date. It is either tomorrow or Monday, but I guess not tomorrow because this is coming out tomorrow, but like to Thursday the 18th or on Monday. And I'll let you all know how my first day of work went. But I am very excited to be getting a salary. I'm really, really qualified for this job. I think I'm going to enjoy the people I'm going to work with. I'm going to enjoy the project itself.

[00:02:19]And so, um, I am going to be making a lot less money than what I was making before I got laid off, but it is what it is. It's more money than I'm making from a W2 salary right now. It's actually really interesting because I think and we'll have to see after the first couple of paychecks what they wind up looking like, but I think my after taxes take-home pay is going to look exactly like the same amount that I've been earning in my portfolio around just under $7,000.

[00:03:01]So that'll be interesting and we can continue to compare those. But don't worry, your pretty little head. This salary has already been spent. Every penny and mostly just my entire take-home pay because this is a project that's going to end on November 30th.

[00:03:23]That's a hard deadline. And so I'm assuming that my take-home pay I'm going to have around $35ish,000 as take-home pay during that time period. So basically we are paying off my entire personal loan as my employment and that's all we're doing this entire time for the most part. And once this is taken care of, cuz I'm actually going to if I can get started, I can get my first paycheck and everything, then um the plan is to pay this off by, you know, the end of September. And that would be really convenient so that I can try to refinance my truck. Not that my truck needs to get refinanced, but if I can do that because I owe less money and if interest rates are lower, then I'll have less minimum expenses when I have when I'm not employed again. And so it'll be kind of nice because I will have my employer's crappy um health insurance, but it'll still be less expensive than the insurance I have right now. So I'll be saving, you know, $500 a month, $550 a month from paying my own health insurance. So, I do have plans for the entire salary, and the plan is to pay off the debt because this $1,76 a month is just killer with my portfolio. I really just want that money back. So, that first of all, my portfolio shouldn't be earning as much money as it does just based off the size of my portfolio. And second of all, to be able to reinvest at least a little bit and really help with like my margin buffer if I wasn't spending literally every penny in order to survive my bills. So, um I just think that this is the first step for me to not feel so anxious about everything all the time.

[00:05:44]And I have like yield night was a little bit of a quiet month. I had 2.2 2K active users and in from May 15th to June 15th and the average person spent around 6 minutes on the website. So that's exciting. And then I wound up becoming and this is dividendVision.com.

[00:06:12]I'm an affiliate. If you're interested in any in um subscribing, I have BFD20, which is for 20% off. But um I do like I like their news uh section the best. My internet is really being really really slow, but they aggregate videos. They have a ticker of the day. They have this recently released. And you can I don't have I don't pay a subscription, but I do like that they like aggregate things for you on this news page that are interesting.

[00:06:51]But they did ask me over X if I wanted to be on their board of directors and I said yes. And so I'm here on their board of well not directors, adviserss.

[00:07:06]So, I'm officially their fintech advisor and you can see my ex LinkedIn and YouTube. So, there's that.

[00:07:15]And um I do usually try to avoid using my last name on this channel, but you all know my last name, so it's not a big deal. So, that's what I've been up to this month.

[00:07:28]I'm now on the board of adviserss of a company. I we didn't really sign any contracts and we haven't had our quarterly meetings. I'm not sure exactly how being an adviser on there is going to work and like how formal it is and you know what kind of what it actually means. But um I do like Dividend Vision.

[00:07:55]I am an affiliate. I do go on here quite often for myself. I haven't really pursued anything like Snowball Analytics or Seeking Alpha because I don't use those tools. I I use different sets of tools. If I like if um Total Returns had an affiliate program, I'd be an affiliate of them, too, because I use their tool all the time. And so with Dividend Vision, um they're just really responsive and I like what they're doing with it. And I also like when you look up, um an individual ticker.

[00:08:41]I don't know if this is going to It's not on them for that. I don't think I think it's just my internet being slow.

[00:08:52]Um so when you look do this and they have a graph and you can do it by price return or total return or both and you can change the time periods and you can say reinvesting 50% reinvesting 100%.

[00:09:13]Oh I like that it defaults to 50. That's nice. Um, that way you can tell how did I do compared to the underlying and then you can choose something like the spy.

[00:09:28]So, sorry my dog was being loud and that QDTY wound up being a bad example. But so if we look at OVL which you all know is our current favorite we have the price here we have total return and we have the time period. So if we choose one year and this is reinvesting 0% at the moment it defaults I guess to 50%.

[00:10:01]But if you can see the total return is in blue and OVL is in green uh with no reinvestment and then spy is in red and I would see about those colors because some people are you know red green blind And I'm not sure cuz there's certain shades of like red and green that you can use to help with the color blindness, but I'm not I think these are just the default colors that come with the charting library, but those can be changed. But anyways, so you can see that like the more you reinvest, the better your returns are and you could really beat the S&P 500. But OVL without reinvesting is pretty much the same as the spy. So in this situation over this time period, you'd only have to reinvest like a quarter in order to basically have the same um returns as the S&P 500, which is good to know because you know if you want to in to reinvest 0% you're still getting a pretty decent return with OV. L. It's basically it's mirroring the the S&P 500, but this is just like a fun interactive chart to help you uh realize like how much do I want to reinvest in order to keep my buying power in line with whatever benchmark I'm going to use. And you don't have to just use these. Uh you can add a different symbol as well or um if it's like if it has a different like um bity over here. This has I bit as the benchmark by default. So um so this is dividend vision. Somehow I became on the board of adviserss. I'm still figuring out what the role actually means, but I do like Mike Shamemer. He's on X. I met him last July at the YieldMax closing bell ceremony. And speaking of closing bell ceremonies, I was invited to do the CBOE in July in Chicago.

[00:12:58]and it's four yield max and they're paying for my flight in the hotel. So, I am really grateful that, you know, even though I'm paying off my debt that I'm I can do these type of trips and, you know, have little vacations and it's not me paying for it. And so beside beyond, you know, going out to eat more because I'm away from home and the gas to get to the airport and paying for my car being in the parking lot. But other than that, [snorts] um, but there's going to be interviewing Jay and some of the like um Scott Schneider and some others. And so if you have any questions for the YieldMax team, please let me know. I will ask again later cuz this isn't until the end of July or like the um the events not until the end of July. And so yeah, that's going to be really fun. And the YMAX team is really nice. I'm still invested in some of their ETFs even though the sentiment in the market has gone against them. I still think that a lot of their funds are really just meant for when we're in a raging bull market, but the music ended for the raging bull market in October of last year.

[00:14:35]And you know, we we had like a month in this year where things went pretty well, but it wasn't enough time for people to really get into like a greedy and euphoric mentality.

[00:14:52]And so, um, the YieldMax was there so that we could all learn lessons and then be excited about things like OVL. And so I'm looking forward to meeting with the Yieldbacks team again and the other influencers. I think it's going to be really fun. And so I'll let you all know how my job is going. I'm going to have to start recording things at night again. So you're going to get tired, Amy. I'm so sorry. But that's just how it is. Um overall, I think I squandered a lot of this opportunity. I was just relaxing at home for the most part and doing options during the day. And so I think I do like like building on yield m and having things to do. But hopefully the next time I early retire, it's permanent and that I do actually have enough money and like I my expenses are low enough, my income is high enough that I'm not just constantly worried about am I going to be making enough in the market and hopefully have enough margin buffer that and enough buffer in my portfolio that um every little pullback. Doesn't seem like the world is ending. And so we'll see how everything goes and how it works out, but I'm I'm excited about this. And so I really love to thank the members.

[00:16:29]You all are amazing. And it looks like YouTube does something where you're a member for a certain amount of time and it kicks you off. So I really appreciate the members that have been joining and rejoining and you all are in my comments comment section. I always feel very supported by you all and you you really made it so that I was able to do these YouTube videos every day and it helps make Guildmite and you know doing YouTube videos sustainable and I really hope that you all will stick with me while I'm um doing my tired Amy videos for the next 5 and 1/2 months until November 30th when this project ends. And so, um, I really love to thank you so much.

[00:17:18]Paul, Mr. D Mega FX, Joey, Cat, Michelle, CMST, Ren, Max, Convexity, Nikita, Christian, Little K, David, Shane, BP, Penny Mine, Jedha, and yes, everybody.