Mini Thoughts

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Category: The Snowball Experiment

  • Still Shocked by CoastFIRE Math

    Does tax planning make aggressive retirement funding worth it once you hit your CoastFIRE number? We run the 2026 tax numbers for a family with three dependents to find the zero-tax breakpoint.

  • August 2026: Debt Progress

    Life threw a few very expected summer expenses our way this month—between a $1,200 van maintenance, $400+ electric bills, and a 6-month auto insurance premium. Despite those speedbumps, we still knocked out over $2,700 in total debt reduction while navigating a credit card fee waiver and prepping for our upcoming 2026 HSA strategy.

  • July 2026 End of Month Update: Minor Side Hustle Income

    July turned out to be a massive month for side hustles and passive income. By optimizing our FreeCash funnel, managing covered calls, and capturing extra dividend income, we pushed our year-to-date side hustle total past $11,000—while maintaining a 78% profit margin on mobile game offers.

  • To Dividend Reinvest or Not: That is the Question

    Instead of letting every fund buy more of itself, directing dividends straight toward share goals in ARR and AGNC slashes my snowball timeline down to 29 months. Here is how optimizing dividend allocation gets the portfolio to $750/month in passive income much faster.

  • 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.

Monthly Dividend Progress

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