$1,000 invested in dividend stocks with a 4% yield results in an extra $40 each year. If you keep this up for the entire

You can also set up your portfolio so that the dividend payments automatically get reinvested into the stock. Rather than receive the $110 payment in cash, that $110 gets converted into additional shares of Prudential (roughly 1.5 shares based on the current price). That extra share would result in an extra $1.65 in dividend payments for the following quarter.

Interestingly, my sisters, raised by my grandfather from the age of two, ended up happily married to two men who were very similar to my grandfather. Meanwhile, I spent most of my early twenties looking for my father in all the men I dated.

Whether the correct withdrawal safe rate is 4% or 5% or even 7%, it is worth highlighting a common mistake we see in the FIRE community (Financial Independence Retire Early). Many that retired in their 30s or 40s expect their retirement savings to last forever by withdrawing 4% every year. This is simply wrong. Bill Bengen’s rule was set up for portfolio longevity of 30 years. A person that has retired in their 30s or 40s would live for another 50 or 60 years. History tells us that a portfolio made of 75% in stocks and 25% in bonds has a 15% chance of being exhausted after a period of 50–60 years of 4% withdrawal rate. This probability increases to 30–35% if a portfolio is made of 50%/50% in stocks/bonds. At 5% withdrawal rate, the same portfolio would have 60–65% probability of being exhausted in a period of 50–60 years. To be on the safe side and for high portfolio longevities or for those who are targeting to leave their wealth to their children, we would recommend withdrawal rates of 3.0–3.25%.

These concepts are important for understanding retirement through dividend investing. If you want to make $48,000 every year from Prudential stock, you would need roughly 10,910 shares of the stock with the current $4.40 annualized dividend yield (buying that many shares adds up to a little under $800,000).

In 2019, I hit my rock bottom. I was approaching my mid-twenties, and I thought I couldn’t keep going down this self-destructive path any longer, or else there might be permanent consequences — I was terrified.

If you have 1,000 shares of Prudential, you’ll get an extra $1,100 each quarter at the current yield. At its current price of roughly $72/share, you would get an extra 15.28 Prudential shares. Dividend investing rewards the investors who stick around for the ride.

After all, my grandparents’ marriage was successful while my parents are now separated — it’s clear who I should be learning from and it’s not my father. He didn’t get to model for me what it means to be a man and what’s normal for a marriage.

Not surprisingly, I chose emotionally unavailable men who put work before everything else and made me feel like I wasn’t good enough. Their lack of emotional depth and empathy often pushed me to the edge of my anxiety and sanity.

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o is frantically panic (I know I’ve fallen victim to this once or twice) and try to thrash your way to a working solution. You should instead verbalize your difficulties. Not only will this give you a specific thing to fix in your code (instead of thrashing around the whole thing) but also your interviewer now knows your plan to fix your solution and can help guide you as you go about it.

For the first ten years of my life, I lived with my parents, forming an attachment to my father. When my parents were too busy with their business, I moved to live with my grandparents and my grandfather acted like a father to me.

The most important part of utilizing dividend investing as your retirement vehicle is how much money you invest each month. If you make $5,000 each month, and your expenses are $4,000 each month, you can invest the difference into dividend stocks.

Buying 10,910 shares of Prudential stock today feels insurmountable, but if you add to your position each month and reinvest the dividend, you can build up to that position over time.

I should be making that call for myself since I knew myself best and I’d seen those real-life case studies in my family and read many research papers to understand what would work and what wouldn’t.

Whether the correct withdrawal safe rate is 4% or 5% or even 7%, it is worth highlighting a common mistake we see in the FIRE community (Financial Independence Retire Early). Many that retired in their 30s or 40s expect their retirement savings to last forever by withdrawing 4% every year. This is simply wrong. Bill Bengen’s rule was set up for portfolio longevity of 30 years. A person that has retired in their 30s or 40s would live for another 50 or 60 years. History tells us that a portfolio made of 75% in stocks and 25% in bonds has a 15% chance of being exhausted after a period of 50–60 years of 4% withdrawal rate. This probability increases to 30–35% if a portfolio is made of 50%/50% in stocks/bonds. At 5% withdrawal rate, the same portfolio would have 60–65% probability of being exhausted in a period of 50–60 years. To be on the safe side and for high portfolio longevities or for those who are targeting to leave their wealth to their children, we would recommend withdrawal rates of 3.0–3.25%.

My father is obsessed with work and emotionally unavailable for most of my life, while my late grandfather was a family man who would look after his family’s everyday needs.