Dividend Broadcaster 🎙️
15.9K posts

Dividend Broadcaster 🎙️
@DivIncomeBcast
Generating Passive Income | Former Broadcasting Professional | Dividend stocks | ETFs | Retired early on dividends | $VTI, $SCHD, $MSFT, $GOOGL.
Michigan, USA 🇺🇸 Katılım Mart 2023
969 Takip Edilen4.4K Takipçiler

@DivIncomeBcast Thanks for sharing. Been adding to $MSFT as well
English

@JohnToThePoint Too many people don’t understand this.
English

@SavingsCaptain @TheDividendDog Congratulations to you and Mrs. Tiger!
English

@DivIncomeBcast The math says 4%.
Behavior says “sleep at night.” 👍
English

Our withdrawal rate in retirement is currently ~2.5% of assets.
Studies have shown that safe withdrawal rates can be in the 4%-7% range.
Why are we so low?
Because we really don’t need to pull any more out. We have everything we need and want. We take vacations regularly and our monthly expenses are easily covered.
Also, it’s hard to shake the feeling that I don’t want to run out of money before I run out of life.
The numbers may rise as we age and healthcare needs go up, but right now we’re good with 2.5%.
English

@ModernDayInves Loss aversion. Part of behavioral economics. I feel the same way.
English

@BoomerDivvies Thanks Boomer. Plotting a trip to the Amalfi Coast in Italy sometime in October.
English

@DivIncomeBcast That’s good to hear. It means you prepared well for your future. 👍👍
Any big trips on the horizon?
English

Todays Market Sector Performances :
1 of the 11 sectors was positive today 😬
Best : Energy + 0.23 %
Worst: Basic Materials. - 3.43 %
source : @finviz_com

English

@DFinkCFA Thanks. The flexibility is a nice perk.
If we were doing without, that would be an issue. We aren’t, so this works for us.
English

The idea is to live the life you want. If that life is less than the range you provided - that's great. It means you probably have flexibility to do some unexpected things (gifts to family, charitable giving, special events, etc.). If the spending is in excess of the range, you might be at risk. Of course, both are a function of life expectancy. If you spend under the range but are going to live another 50 years, it changes the math. If you spend over the range but are only going to live another 10 years, it also changes the math. Either way, it sounds like you are living your best life right now - congrats!
English

@ModernDayInves If you’re going to break your rule, $MSFT is a great pick.
English

That’s the underrated flex of retirement: not maximizing the withdrawal rate, just maximizing peace. A 2.5% rate buys a lot of margin against bad markets, long lives, and surprise expenses — and from my own experience, having “enough” feels way better than trying to optimize every last dollar.
English









