Mini Thoughts

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Category: The Snowball Experiment

  • 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.

  • May 2026 End of Month Update: Tiny Extras Until Covered Calls

    May 2026 End of Month Update: Another whirlwind month with car repairs, mower issues, and a new shed, but still seeing solid growth thanks to compounding and covered calls. Bonus income hit $2,177 this month with Covered Calls leading the way at $707.

  • Passive Income Progress May 2026: Almost to a Payout!

    Passive Income Progress – May 2026: Almost to a Payout! Honeygain is getting close, YouTube and Spotify listen hours are growing, and Google AdSense is slowly climbing. Dividends are still leading the way for now.

  • Sell it All or Pay Down Slower

    I ran the math on selling everything to pay off debt vs. keeping the dividend snowball running. Even with the tax savings and interest reduction, redirecting $500/month in dividends still comes out ahead by $3,650 per year.

  • Tuesday May 19th: When to Alter a Plan.

    Life doesn’t care about your carefully laid plans. After a brutal start to the week — medical bills, insurance fights, and a painful tooth extraction — I’m adjusting the debt snowball strategy. Starting June 1st, all dividends + covered call premiums are going straight to debt payoff.

  • May Day: Is the Debt Ship Sinking?

    May Debt Snowball Update: From -$3,700 last month to +$7,712 this month due to the new shed and car repairs. With dividends approaching $500/month, the big question is: keep building income or slam the debt? Full breakdown inside.

  • April 2026 End of Month Update: Small Work Small Rewards

    April was a month of strategic shifts for the Snowball. While my motivation for side-hustle ‘grinding’ slowed down, the portfolio hit new milestones. From activating interest-free margin in my wife’s account to testing covered calls with my emergency fund (a move I’ve already corrected!), we’re breaking down the numbers. With $1,737 in dividends year-to-date, the…

  • High Dividends Can Fall: ORC

    The ‘Snowball’ just hit a patch of salt. Orchid Island Capital (ORC) announced a 16% dividend cut, dropping from $0.12 to $0.10. While a $170 annual hit might seem concerning, it’s a calculated risk in an experiment designed for high speed. Here’s why I’m not panicking—and how my recent covered call premiums are already outperforming…

  • Game Grinding Update April 25 2026

    Grinding isn’t just for the stock market—sometimes it’s for the games that fund it. After a month of hammering out bonus cash and exploring Crimson Desert, I’m checking in on the state of game-based side hustles. From navigating the FreeCash app store drama to hitting $20 milestones, here’s a look at the ‘slow and steady’…

  • When Does it Get Easier? Debt, Investing, Bills, Expenses.

    I’m 90 days into this daily blogging journey, and the reality of the ‘Snowball’ is setting in. It’s a psychological battle: do I shovel every penny into debt, or do I keep fueling the passive income engine? With OXSQ dividends nearly doubling this month, I’m seeing the math win out over the doubt. Here is…

Monthly Dividend Progress

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