สนใจ ใช้ Interested หรือ Interesting | Tina Academy S2 Ep.8
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How Much Money Do You Really Need to Live Off Dividends? How I Retired Off of Dividends at Age 33
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Living off of dividends is a dream come true. And it’s easier than you think to make that happen. I’d know. I’ve been living off of dividends since 2016. And I made this happen for myself after growing up on welfare, not having a college degree, and never having a highpaying job. In fact, I went from below broke at age 27 to financially free at 33. By the way, I explain exactly how I achieved financial freedom in just six years in my Early Retirement Blueprint.
So how much money do you actually need to live off of dividends? That’s what we’re here to talk about. Today, I want to tell you how much money you might need in order to live off of dividends.
The more money you spend, the more dividend income you’ll need to live off of. And vice versa. Obviously, the lower you can get your expenses, the faster you can achieve financial independence and retire early also known as FIRE.
You can figure out, right now, exactly how much money you need to live off of dividends. All you need to do is figure out how much you’re spending. Track your spending down to the penny over the next few months. I mean it. Track every single red cent. Most people don’t know how much money they spend. This means they don’t know much money they need to live off of. If you ask someone how much money they make, they almost always know the answer right away. But if you ask them how much they spend, they usually don’t have a clue. Fix this by tracking expenses religiously.
It’s only because I was tracking every single penny that I knew how much dividend income I’d need to live off of. Furthermore, and more importantly, I was able to figure out a reasonably accurate time frame as to when I could hit that number. And once I was actually in the journey to FIRE, I noticed something. The more I saved and invested, the more I wanted to save and invest. That’s because I was seeing the benefits in realtime, which served as a selfreinforcing loop of saving and investing begetting more saving and investing. I became even more extreme with things over time, which sped up my journey to FIRE. I was originally planning on making it within 12 years, by the time I was 40 years old, which was admittedly a rather conservative estimate. But I ended up getting there in half the time.
Let’s use $20,000/year in dividend income as an example. That’s a reasonable annual dividend income target for most people. That’s for one person. If you’re making a fairly average annual US income of, say, $50,000/year, and saving at least half of it, which you should be if you’re serious about achieving FIRE, this is the kind of money you’d already be used to living off of. It’s also a number that’s realistic to attain within a sensible time frame. If you want more dividend income, you’ll have to earn more money, save more money, wait longer, and/or add risk to your investments by stretching for yield.
For perspective, a $500,000 portfolio yielding 4% can generate $20,000 in annual dividend income. So can a $400,000 portfolio yielding 5%.
Keep in mind, though, higher yield usually means more risk. And it can lead to underperformance. So be careful with stretching for yield.
$20,000/year might not seem like a lot of money. But keep a few things in mind. First, you’ll likely get used to living below your means. When I first started doing it, I realized it wasn’t that bad. There’s so much stuff that people are spending their money on that simply does not improve quality of life or make them happier. If anything, it’s the opposite. They get on this hedonic treadmill of consumerism and materialism that continuously speeds up as they attempt to keep up with everyone else, only to find that they’re stressed out and unhappy for it. They try to own things, only to find that the things own them. Once you cut out the waste and get to the things that matter, you’ll find that life isn’t that expensive.
I say that as a guy who was born into deep poverty in Detroit, grew up on welfare, lost his parents at a young age, dropped out of college, and never had a great job. I’m just a regular guy who passionately dedicated himself toward achieving FIRE. And I’m here to inspire you all to do the same. So get busy tracking your expenses down to the penny, whittle these expenses down to only the essential, and then you’ll know exactly how much money you need to live off of dividends. From there, it’s all about investing the savings so that you can match expenses with dividend income. Almost all of the content I put together here on the channel is designed to provide you with highquality, longterm dividend growth stock ideas toward that end, so stay tuned!
Learn the English Phrases IT’S NEVER TOO LATE and RUNNING LATE
Read along to practice your English and to learn the English phrases IT’S NEVER TOO LATE and RUNNING LATE
In this English lesson, I wanted to help you learn the English phrase, it’s never too late. This is a phrase that we say when someone thinks maybe they’re too old, or they just don’t feel like starting something because they don’t think they’ll get done on time. And then we’ll say it’s never too late. Recently, I’ve had a number of questions from viewers who have said, \”I’m 50 years old,\” or \”I’m 60 years old. Is it too late for me to start learning English?\” And my reply is, \”It’s never too late.\” It’s never too late, in my opinion, to start learning a language. I think learning the English language at a young age is awesome. Learning the English language when you are older is also just as awesome. I know some of you are semiretired or retired. And I think that I would say to you, it’s never too late to start learning the English language or to start perfecting your knowledge of English.
WANT MORE ENGLISH LESSONS? GO TO YOUTUBE AND SEARCH, \”BOB THE CANADIAN\”
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The other phrase I wanted to teach you today is the phrase running late. The reason I want to teach you this phrase is because I’m running late right now. It is Monday morning. I know you’re watching this on a Tuesday. And I need to be at work in about 15 minutes, but I thought I would come outside and quickly make this video so that it was done. But I think, right now, I’m running late. If you don’t know what this means, I think you’re starting to understand. When you are running late, it means that you are going to be late for something. I might be a little bit late for work today. We’ll see. I might drive a little fast. Not necessarily over the speed limit, but I might drive a little fast on the way to work.
So, anyways, to review, when you say to someone it’s never too late, you’re simply encouraging them that it’s a good time. That any time is a good time to start working on something or to start doing a project. And when you are running late, it simply means you’re late. You’re not actually running at all. You’re just simply late. So, hopefully I’m not late for work. Although, you know what, if I am, I don’t think it’s that big of a deal. I have been late for work, maybe three times in my life. I’m hardly ever late for work. I’m sure it will not be a problem.
But, hey, let’s look at a comment from a previous video. This is from Arefe, and Arefe says, \”It’s interestingly,\” oh, sorry, \”Interestingly,\” sorry. I’m having trouble speaking English today. \”Interestingly, the first phrase is the opposite of the second phrase. Thanks a lot.\” So yesterday, I looked at the phrases, on my mind. And what was the other one? Slipped my mind. And they’re kind of the opposite, right? Slipped my mind means you forgot something. On my mind means you’re thinking about something. My reply was yes, they do mean the opposite of each other. I was a bit forgetful over the weekend. So the first phrase was one that I used on Saturday. The second phrase I chose simply because it also has the word mind in it. I like to make the phrases match a bit, even if the meanings are completely different.
So just a little bit of insight, again, into the process I use to create these videos. I’m always on the lookout for a phrase. On Saturday, I was supposed to do something and I forgot to do it. And then later in the day, Jen actually asked if I had done what I was supposed to do. And I said to her, \”Ah, no, it slipped in my mind.\” And then as soon as I said, \”It slipped my mind,\” I went to my computer and I added that phrase to the list of phrases that I wanted to teach. So that’s what I do. I just listen to the phrases I use and the phrases other people use. So when you use the phrase, it slipped my mind, it’s a totally authentic English phrase that I used over the weekend. Then once I have one phrase, I like to just look for another phrase on the internet that’s somewhat related. It can be a phrase that means something similar, or as the case was yesterday, a phrase that means exactly the opposite.
Anyways, I’m running late. I need to get going. Honestly, I won’t be late for work, so don’t stress. But it was fun making this video for you. I’ll see you with a new video in a couple days.
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Learn English – Interestingly HOT English expressions. ( Spoken English Lesson)
Learn English Interestingly HOT English expressions. ( Spoken English Lesson)
Blog : http://www.learnex.in/interestinglyhotenglishexpressions
In this English lesson, you will learn some interesting English expressions with the word “HOT”, Hot usually refers to the weather or the temperature. However, when this word is used in combination with some other words you get some really interesting English expressions that you can adopt in your everyday English communication.
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Let’s look at what they are:
1) Hotlinea telephone line that gives quick and direct access to help or information
Different types of hotlines include Child protection services, Book my show,911 or a tourism hotline.
Eg: You can call the hotline for all the information you will need when you are on your vacation. (As you can see this hotline refers to all the travel information you can get while you’re on holiday).
2) Hotbeda place that provides very good conditions for something to grow and develop fully or in a wholesome way
Eg: Our Company is a hotbed for innovation. The management always rewards people who come up with ideas that are out of the ordinary.
3) Hotshotsomeone very skilled successful, might be arrogant showing off their success
Eg: She is some hotshot actress who rose to fame after some reality show she starred in
4) Hotheadedeasily angered
Eg: As children we were afraid of our father who was very hotheaded. He would yell at us when we made the slightest mistakes
5) Selling like hotcakesReferred to products which are sold very fast in the market and those which are very profitable
Eg: The new Apple iphone was selling like hotcakes. The company grossed over 30 million in the first week of its launch.
6) HotspotThis word has two different meaning and therefore, can be used in two different ways
a) a lively place which is popular (nightclub, coffee shop, busy tourist place)
Eg: Central Perk is apparently the hotspot on this side of the town. We can talk over a cup of coffee over there after we’ve finished work.
b) an area with lots of violence, war, tension and conflict (strip of Gaza, border of JammuKashmir)
Eg: After the Palestine war, the strip of Gaza which is a hotspot for violence is now considered to be uninhabitable. Civilians are moving and to find safer accommodation facilities.
7) Hot button issuesa controversial topic makes people angry, passionate or emotional discussing about it (Sexuality, Abortion, Religion, Vegetarianism)
Eg: It’s better to keep hot button issues out of the way while conducting an interview.
8) Hot off the pressNewly released book or a book that has been recently printed and released
Eg: Harry Potter fans were waiting in line outside the store to get their hands on the last book of their favorite author which came hot off the press today morning.
9) Full of hot aira person who takes too much nonsense, a person who shouldn’t be taken seriously
Eg: Please ignore Mr.Waters, he is just full of hot air.
10) In hot watergetting in trouble for doing something wrong
Eg: You better study well or you will be in hot water when your exams approach.
11) Having the hots for someonebeing romatically or Sexually attracted to someone.
Eg: Poor Harry had the hots for his neighbor ever since he was 19, but was too shy to do anything about it.
12) Hot on someone’s heelssomeone is following closely behind
Eg: The thief won’t get too far; the police are hot on their heels since last night.
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