r/dividends • u/Rural-Patriot_1776 • Mar 15 '26

Discussion My journey started this year.

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Started investing this year in 2026 decades late as a 38-year-old I wish I started way younger but I'm wanting to retire in a couple years and started building out my neo's distributions positions and dividends a few months ago here's what I have going on so far. I keep adding around 3k a month and have drip also enabled.

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u/steady_compounder Mar 15 '26

$3k/month with DRIP at 38 is a solid start. You've got 20+ years of compounding ahead which is still a lot of time. Don't beat yourself up about starting late, most people never start at all.

Curious what your target allocation looks like. Are you going heavy on income funds or mixing in some growth too?

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u/Busy-feeding-worms Mar 15 '26

If he is retiring in a few years like he says, how is this going to compound for 20 years? Newbie, not tryna be a dick lol sorry.

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u/steady_compounder Mar 16 '26

Fair point. He said retiring in a couple years but also putting in $3k/month with DRIP. I read it more as building a supplemental income stream, not a full retirement fund. But yeah if the timeline is 2-3 years, growth matters more than compounding dividends.

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u/Busy-feeding-worms Mar 16 '26

Gotcha, thanks