At the end of January Update, I discussed evaluating the snowball this month to see if the capital loss at Robinhood was so high that dividends would never catch up and if I should re-evaluate my snowball plan of attack.

Then I wrote about needing to funnel my “found” swagbucks money into finishing off the 2025 IRAs<<link. This was followed by my current hair on fire debt emergency post.

So, what’s the plan? I can’t lose sight of the primary goal of this blog while I focus on filling IRAs and calculating 16 months of debt payments. So I did what I strive to always do: The Math.

The new plan is to not just let a fund hit self fulfillment, but instead to keep buying until the planned 1 per dividend amount was done for the year. This would allow all the dividends until Jan to simply head straight to the next ticker.

As you can see we have current share balances at Robinhood, and what they should be with the purchase plan for 2026. Since all of those are weekly payers (except QQQI) we had to go 52 shares above the self fund target.

In case you missed it, I calculate the self funding as how many shares it would take to have 1 dividend payment purchase 1 more share. At current prices, which are constantly plummeting for these risky weekly funds, We would need $38,000 more to receive $16,800 in dividends. That’s an amazing potential return,but the reality is dividends decrease as the NAV plummets. Even more importantly, we’re already almost $900 down from the money I put into Robinhood with only $240 in dividends to make up for it.

The best of those current positions is MST, when we calculate based on most recent dividends. If I spent $172 bringing it up to the 132 shares, it would generate $169 more in dividends in the next 52 weeks. The problem is it will likely lower that payment or reverse split and lower my share count.

What’s the plan then? Well you see QQQI is one of the most solid above 10% dividend funds out there right now. Its track record is only two years old, but if we’re being intentionally risky to funnel money into more stable dividends, then it’s the next logical play. Those 19 shares are currently where my Robinhood gold margin usage is sitting. At current prices QQQI needs 84 shares to start self buying. +12 for the 2026 round up bringing us to 95 shares. This will give us $60 per dividend payout.

If the current funds don’t decrease their dividend. They should sit at $29.50/w, $127/m, $1,534/y. Pivoting that all back into the QQQI, plus the $12/m from QQQI is roughly 2.5 shares a month before other contributions. That would take 30 months to reach the 12 month goal.

That’s my next plan while I calculate debt payments and relist my priorities for the snowball.

~~Miniwing~~
Investor, Stoic, Parent