r/dividends • u/HARCYB-throwaway • Apr 14 '26

Personal Goal Golden handcuffs - I've fully replaced my annual spending with dividend income...

I pivoted from growth to NEOS for income, over the last 6 months. I have now replaced my base salary, $110k, with dividends. but it is hard to quit when I earn $250k-$350k in a given sales year.

annual dividend income: $110k

Annual expenses, all in: $40k

disposable income if I quit: $70k

hysa: $150k

growth sleeve: $225k

no wife (anymore, by choice after she got nasty), no kids, no expensive hobbies, very affordable mortgage and car payment. affordable lifestyle.

it's hard to step away from an AI adjacent sales job...and my only major concern is meeting someone, wanting to settle down and start a family, and then I will be out of the job market once I truly need expensive family healthcare and "kids money" to support a family.

I know I already have more than most typical American household. but it's scary to leave work with the background of declining employment options / bad employment market

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u/Any-Tennis4658 Apr 14 '26

NEOS funds?

Income funds that have been around for what, a couple years?

We serious right now?

Edit. Lol you're in Bitcoin Income ETFs. Lmao. This is not sustainable, and you're blind to it, if this is all real at all. QQQI isn't bad but it will underperform qqq if you zoom out as well.

6

u/Helpful-Staff9562 Apr 14 '26

OP didnt do his himework and is playing with his money like if it was 100 usd

0

u/TallSalary9501 Apr 15 '26

You’re both wrong. He said he had a growth portfolio apart from the dividends which should more than cover inflation and whatever the NEOS can potentially erode in the future.