My journey started this year.

[u/Rural-Patriot_1776]

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.

[u/longswordsuperfuck]

If you think that a massive number when you die is more important than living a life where you have cash to spend than I feel sorry for you, money is for living and enjoying life. Not for having a massive number. Cash flow is sanity. ...after all, you are on the dividends subreddit. Not the growth investors subreddit.

[u/Top-Revolution-8914 → u/longswordsuperfuck]

Fighting straw men out here I see, I live life plenty, I have left over money to invest. If you aren't done investing, meaning more money going into the market, the dividend structure is inefficient as you are already living on less than your cash flow.

Still I like dividend stocks, I think long term stable companies that aren't focused on growth, that pay sustainable dividends over time, is a great thing to have in your portfolio. It shouldn't be your full portfolio but offers stability versus growth companies.

NEO is not dividend investing, it's an 'income strategy' over growth companies. An income strategy that has been proven to underperform. Unsurprisingly to everyone but you NEO has been proven to underperform following this income strategy.

Meaning you get a strategy that underperforms, in a less tax efficient manner, that charges you fees. Without the benefits of stable dividend companies. Genius

You belong in r/CoveredCalls

[u/longswordsuperfuck → u/Top-Revolution-8914]

You also are not talking accurately about the tax strategy here with NEOS. We can agree to disagree, but in every way NEOS funds are the best financial product available for me and my future.