Dividend Stocks
The Wall Street default. Liquid, growing, but volatile and tax-inefficient.
Free · 30 seconds · Based on U.S. government data
Where do you really stand for retirement?
Get your free, personalized Retirement Income Roadmap.
In about 30 seconds it places you on the 6-stage road to work-optional, shows your monthly income gap, and lays out the next moves that fit your situation.
The Roadmap
Everyone's somewhere on the same road.
Most retirement advice fixates on one number: how big your savings are. The real question is whether your money produces income that covers your life, no matter what the market does. That's a journey with six stages. Your Roadmap shows you which one you're in, and what it takes to reach the next.
- 1ExposedYour retirement rides on the market. Income floor is Social Security only.
- 2ApproachingWithin reach. Your income capacity covers most of your expenses.
- 3CapableYou have roughly enough to cover your expenses with income. The work now is turning it on.
- 4CoveredDurable income comfortably covers your essentials, with room to spare.
- 5Work-OptionalIncome from durable assets exceeds your full expenses. Working is a choice.
- 6AbundantYour income is multiples of your needs. The focus shifts to tax and legacy.
What's Inside
The 7 ways to turn savings into income. Ranked for you.
Most people rely on one or two. Your Roadmap lays out all seven, ranked by what actually matters: risk, return, effort, and which ones fit your stage.
Bond Ladders
The most underrated tool for retirees. Predictable, boring, often better than dividends.
Annuities
Income, guaranteed by an insurer. Powerful for some retirees, a trap for others. Every flavor covered.
Reverse Mortgages
Turn home equity into monthly income. Powerful late in retirement, misunderstood by almost everyone.
Rental Real Estate
The classic. Real cash flow, real headaches. Worth it for some, brutal for others.
REITs & Syndications
Passive real estate at scale. Higher upside, but you're trusting an operator with your money.
Secured Mortgage Notes
You become the bank. Backed by a first-position lien on real property, paid monthly. Almost nobody talks about it.
Your Income Stack
Most people pick one when they should layer three or four. Your Roadmap shows you how to combine them.
The Author
Written by someone who's actually done this.
I'm self-made. Fourteen years on active duty as an Air Force Captain, then a decade in real estate and more than a hundred transactions later, I've replaced my monthly expenses with income from real assets.
I watch my parents' generation struggle with fear and anxiety every time the market moves, and I'm convinced there's a better way to retire. The income-first approach worked for me. I believe it's the right path for most people. Income Over Wealth is my attempt to give the plain-English coverage I wish they'd had.
14
Years Air Force, Captain
100+
Real Estate Transactions
MBA
University of Washington
Begin Here
See where you really stand.
Thirty seconds, seven questions, and a personalized Retirement Income Roadmap built from your answers.