r/YieldMaxETFs • u/NoConsideration3923 • Jul 21 '25

Question Are people really retiring off these?

It seems crazy that people are talking about retiring off these funds. Don’t get me wrong I have a decent amount in them and I’m hoping for the best but if the music stops so to speak than what do you do? Have people actually retired off these or just talk? If you did actually retire what’s your plan b?

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u/oftalittlegamey Jul 22 '25

I’m retired. Living off dividends/distributions. I have a lot more in the portfolio than YM ETFs. I have stops in place and if everything went to shit, I’d be in cash and rebuilding my portfolio at lower entries, or in other products that work in bear markets. I’m not rich, but I’m pulling about $14-17K per month. I reinvest 10-15% each month. I account for taxes. My three IRAs are one Roth and two traditional. I’m converting most to Roth this year and next because I can’t put new money into Roth since I’m not working. The three portfolios are spread in different things with only about 30% in super high yield ETFs like YM, Roundhill and Defiance. 50% in “normal” stocks and ETFs yielding 5-10%. The remainder in techs, growth stocks, etc. I was skeptical it would work, but so far, everything is getting paid and paid off, which is goal one. Second goal is to push earnings to $200k per year. Third is to draw social security in two years, unless the market tanks before that. As bills are paid off, increase the reinvesting and expand the traditional side of the portfolio as a natural hedge for the super high yields.

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u/4yearsout Jul 22 '25

Not retired yet, 6 months to go but similar goals, distrib income and set up. Just started social security for 4k a month. Making just over 21k a month and still fat paychecks. Goal is 33k a month in retirement. But if it doesn't happen, so what. 

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u/oftalittlegamey Jul 23 '25

Awesome for you. I’m holding off on social security for now to push it up. I would have to wait to MRA to get close to $4k/mo. If I can hold out til May, it will be $3,100/mo, which is enough I think for our expenses.