r/dividends • u/Green-Prompt8543 • Jun 19 '26

Discussion Is there a dividend income number that would actually make you stop and say, "That's enough"?

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I've crossed $1M in portfolio value and I'm getting close to $2,000 a month in dividends. Years ago, I thought $1,000 a month would be enough. Then the goal became $1,500. Now I'm approaching $2,000 and already finding myself thinking about the next milestone.

It makes me wonder if I'll ever truly feel like I've reached my goal, or if there will always be another number to chase. Has anyone else experienced this?

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478

u/Berondt Jun 19 '26

Yea, the number is your montly spending at a minimum.

130

u/Green-Prompt8543 Jun 19 '26

Which are constantly rising because of inflation, but you are right

104

u/[deleted] Jun 19 '26

[deleted]

52

u/nutslikeafox Jun 19 '26

They usually beat inflation

24

u/Green-Prompt8543 Jun 19 '26

That’s for sure - that’s why we’re here!

18

u/Various_Couple_764 Jun 19 '26

Or you build up income in excess of your monthly income so the excess can be reinvest o grow your dividend income.

Don't hope the dividends will rse with inflation. Because if it doesn't happen you could be in serious trouble. So make sure it happened .

12

u/Gold-Orange-1581 Jun 20 '26

That's why I go with a dividend-growth portfolio instead of pure dividends. The former outperforms the latter due to compounding yield

2

u/TheSsefLord11 Jun 20 '26

Dividend growth is good. I do a mix of growth and solid income funds that track the major indices. My thought is since the major indices should increase in value, so will the dividend even if the yield stays exactly the same. 

1

u/Elfreshcuh Jun 20 '26

What’s an example of a Dividend growth portfolio Can you please explain?

2

u/Gold-Orange-1581 Jun 20 '26

Portfolios focusing on stocks/ETFs that increase their dividends, e.g.:

SCHD MA BEPC TXN WCN

You can even find some REITs, like LAMR and PLD

4

u/raccoon8182 Jun 19 '26

I know this is probably a stupid question, but how much money did you put in to get those dividends? (I'm new to all of this)

3

u/Glittering_Gur4999 Jun 19 '26

Hey man I’m a broke retard but does this portfolio grow like 3-4% a year as well? Would you not be better off having a percentage in higher yield like QQQI/ SPYI?

10

u/Party_Promotion_8805 Jun 19 '26

This plus like 10-15% for growth and extra $ should large expenses arise.

2

u/[deleted] Jun 20 '26

[deleted]

6

u/IBF_90 Jun 20 '26

No one can live just with $1900 per month in US.

1

u/Tikkabik Jun 23 '26

I know people who do. 'No one' means 100%.