Mini Thoughts

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Category: Investing

  • Six Month Snowball Fund Review: High Octane Became Ashes

    My journey to $1,000 a month in passive income just got a major reality check. From realizing the true cost of weekly NAV decay to mapping out a safer $108,000 portfolio strategy, here is how I’m restructuring my dividend snowball for actual, long-term growth.

  • July 2026: Six Months of Debt Work, How’s it Going?

    Facing a mid-year reality check, a raw audit of $80,000 in year-to-date debt movements strips away the illusions of credit card cash-back optimization to reveal the real culprit: a perfect storm of medical bills, property emergencies, and historical renovation balances.

  • Sofi Wants to be an Everything Platform

    Arbitraging a 6.06% personal loan against a 10% HELOC balance unlocks guaranteed interest savings, while leveraging an honest, multi-layered tax breakdown reveals the exact math behind where math optimization ends and true investment cash flow begins.

  • Six Months of Posting

    A six-month audit of the brand platform brings a strategic shift: pausing high-friction social media and video algorithms to double down on high-impact, low-effort returns through dividend picks, FreeCash, and debt paydown.

  • Six Months of Progress. Is the Snowball a Failure?

    Six months in, an honest audit of the dividend snowball experiment reveals a 20% underperformance compared to the S&P 500—and why sticking to the plan through paper losses is the ultimate test of a Stoic investor.

  • June 2026 End of Month Update: 6 months into the Snowball Experiment

    Six Months of Hustle. Real math brings a reality check: why factoring in explicit game-app spending, crypto dips, and PayPal cashout fees drops top-line side hustle revenue down to a true 72% net profit margin.

  • When is Spending Worth It?

    A weekend trip helping an independent relative stocks up on groceries serves as a stark reminder of how high-budget, name-brand spending can quietly erode potential wealth—and why lean food budgets remain a powerful lever for accelerating financial freedom.

  • Care in All Things: Especially Side Hustles

    A hard look at gaming side hustle margins after a sudden FreeCash bonus removal drops a 30% projected boost, highlighting the critical importance of tracking upfront buy-ins alongside top-line payouts.

  • Determined to be Debt Free – June 2026

    Shifting investment dividends into cash helps spark a massive $4,844 debt reduction this month, despite emergency mower repairs and calculated gaming side hustles.

  • Return on Investment: Money Only or Everything in Life?

    I’ve been experimenting with high-yield dividend funds like EARN and COIW in my “Snowball Experiment.” While some positions are currently underwater, the dividends are steadily working to erase those paper losses. This post is a transparent look at why I continue holding these weekly payers even when the price is red.

Monthly Dividend Progress

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