Recently, in my acceleration plan article, I discussed my dollar for dollar plan regarding reaching the first $50,000 in dividend funds. I alluded to some level of tracking that related to my wife’s account.

As I’ve covered in the Spousal IRA article my wife’s IRA is a priority because she isn’t covered by an employer plan and is therefore entirely deductible. In order to maximize her IRA we have her account with a Robinhood Gold subscription. For 2025 this gave us $60 in matching contributions, because $5,000 had already been contributed to her Vanguard IRA before I learned about Robinhood’s matching.

IRA matching isn’t the only thing that is offered by Robinhood Gold, it includes up to $1,000 of interest free margin. While margin can be relatively dangerous due to margin calls if your account balance drops below a certain point, I plan on utilizing this in my wife’s account with very solid funds.

O, MAIN, and the questionable BLOX. The account will be mostly left on its own. $1,000 of MAIN, $1,000 of O, and $1,000 of BLOX, then $1,000 of Margin into one of those three funds. Unlike my Vanguard and Robinhood accounts hers will be set to DRIP. I’ll record and count the dividends as part of the snowball, but we’ll let this account ride. This will prioritize the incoming capital because the goal is to get “our money’s worth” out of Gold, before I pivot back to my accounts.

Currently we have her brokerage account at $235. My end goal is $3,000 in her brokerage. No more incoming funds will go to my brokerage account, outside of 2025 IRA contributions, until hers is done. This priority puts all the OXSQ purchases in my queue on my dividends instead of new money.

~~Miniwing~~
Parent, Husband, Stoic