The 5 Levels of Dividend Investing (From $0 To Financial Freedom) 💰
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One of the biggest problems that many people have with dividend investing is that it’s a slow burn. It takes a long time to build wealth through dividend investing. You do it step-by-step, and it happens in different stages.
In my own brief investing experience, over these last handful of years, I've found that there are 5 levels of dividend investing, and in this video, we’re going to go through each of the 5 levels of dividend investing and break each one down.
The ideas and opinions presented in this video are meant for informational and entertainment purposes only, are not intended to serve as a recommendation to buy or sell any security in any account, and are not an offer or sale of a security. They are also not research reports and are not intended to serve as the basis for any investment decision.
@rynewilliams 3 ай бұрын
Go to my sponsor snhu.edu/ryne and see what the current average annual salary for someone with a Finance degree is and learn how you can get started.
@jeffaragon 3 ай бұрын
I don't know bro 2 years in and I'm just as excited as when I first started lol. But I constantly see my dividend income grow every payout 😂
@Bob-ut 3 ай бұрын
Level 6: building generational wealth
@rynewilliams 3 ай бұрын
100%
@toddlorenz4214 2 ай бұрын
I'm in stage 1 Just getting started. I just hope I have enough time.
@rynewilliams 2 ай бұрын
You got this Todd, keep climbing!
@Dividendology 3 ай бұрын
Good breakdown, Ryne!
@shannoncargo468 3 ай бұрын
2 of my favorite guys to watch 😎
@rynewilliams 3 ай бұрын
Thanks dude!
@RexJacobsen 3 ай бұрын
At level 5, reached fat FIRE on a teacher's salary. Currently training my replacement before I retire. Visa is one of my favorites, also.
@rynewilliams 2 ай бұрын
Heck yea, great job Rex!
@willowandluka5302 2 ай бұрын
Making spreadsheets always helps me stay motivated. It helps me to see that finish line that seems so far away.
@rynewilliams 2 ай бұрын
Good point
@jeffaragon 3 ай бұрын
There's always something to learn new tax brackets non qualified or qualified dividends the % of which dividends are taxed when your single and or married. I'm starting my individual account I call it my right now money account. I guess I'm just a nerd lol.
@Loft817 3 ай бұрын
That doesnt make you a nerd my friend! its super important to know all these things about your money growth for long term FREEDOM!
@rynewilliams 3 ай бұрын
True that Jeff...there is ALWAYS something new to learn. That's the fun of it, in my opinion
@arigutman 2 ай бұрын
Great video, Ryne, I really liked the concept of this video... On point, as always, my brother!
@rynewilliams 2 ай бұрын
Thank you man! You’re a true mensch my friend 🙌
@cris471 Ай бұрын
Your honesty makes me respect you a great deal ! Cool video, good stuff, learned a lot ! Thanx Ryne !👍🏻
@rynewilliams Ай бұрын
Thank you my friend!
@shanehess8950 3 ай бұрын
I had to restart . Chose to pay off some debt . Now I just have mortgage. Still have a 401k and a Roth IRA. But started my portfolio back up .
@rynewilliams 3 ай бұрын
I bet it feels good to pay off that debt though
@loakland2773 3 ай бұрын
GREAT stuff Ryne... Very well said and very logical.... Great for any people trying to get into the game...... Always a pleasure Ryne....!!
@rynewilliams 3 ай бұрын
Thank you man!
@NickFrogameni 2 ай бұрын
Ryne, very much enjoyed this one! Can relate to these stages all too well. The journey is soo real LOL. Great channel, long time fan, keep going 🍻
@rynewilliams 2 ай бұрын
Thank you my friend! I'm really glad to hear you enjoyed this one. Keep climbing!
@JP_Dividends 2 ай бұрын
Great video Ryne! I definitely relate to the boring middle but also love the second wind and have been starting to feel that more the past few months. Also 100% agree with you on Visa, gonna also put an emphasis on them long term cause their earnings/MOAT is so good! Keep it up💰💪
@rynewilliams 2 ай бұрын
Absolutely man! What's been giving you your second wind, any ideas?
@rctaz990 3 ай бұрын
Well thanks to your help 8 months ago when I started. I'm killing it in 3 BDCs. Although I had to trade MAIN for Pennant the price and dividend made sense. The way Blue Owl is going I'll be making big. Average 10.5% dividends in my bdc bag
@rynewilliams 3 ай бұрын
Thank you for sharing that!
@ruicadilhecastro6382 2 ай бұрын
Hello Ryne, i'm in level 2 going in level 3 when the market is down. Congrats and have a nice day.
@rynewilliams 2 ай бұрын
Thank you Rui! I appreciate you tuning in
@chrisvandepolder6128 3 ай бұрын
Deffinatly in the boring middle but still excited knowing there is a light at the end of the tunnel. Just at a spot where I now know what I am doing and just got to keep doing it.
@rynewilliams 2 ай бұрын
Absolutely, keep climbing my friend!
@Jeepod 3 ай бұрын
Started div investing 2021 when following gamestop saga. Made me do some research and learn about all this investing stuff. I guess I'm still in level 1 :P
@rynewilliams 2 ай бұрын
Haha you're on the right path either way my friend
@dorte2394 3 ай бұрын
I am 3.5 years in as an investor, and just about 1.5 years in as dividend investor. My ETFs are for early retirement, the dividend will be my margarita money once I reach my real retirement age( and my retirement savings). For the coming half year I wont be investing very much in dividend stocks. I have lowered my working hours to get more education (and later better pay) so both money and time is lacking for dividend stocks. I will still keep up my investments in ETFs. The retirement age in my country is 68-69 at the moment. Its getting higher for every 5 years.
@rynewilliams 3 ай бұрын
Just keep climbing my friend!
@Dean22249 3 ай бұрын
Great video Ryne! I'm bouncing between 2 and 3. Congratulations on your Wedding!!!!!!! Have a great day bud 😃
@rynewilliams 3 ай бұрын
Thank you Lean Mean Dean Machine! You have a great day as well
@user-bk4zc3rh7x 2 ай бұрын
Thanks a lot
@rynewilliams 2 ай бұрын
Thank YOU
@Duke_of_Prunes 3 ай бұрын
I am probably on Level 4. The combination of income from dividends, an occasional swing trade, and rental properties easily supports me. But, I am so successful with rentals (after years of losing), that I cannot justify selling out, yet. My income from dividends needs to rise.
@rynewilliams 3 ай бұрын
That makes sense Duke, congrats on being at level 4...that's awesome!
@Duke_of_Prunes 3 ай бұрын
@@rynewilliams You're well ahead of me -- at least when I was your age!
@girldaddividendinvestor 2 ай бұрын
Well said, sir.
@rynewilliams 2 ай бұрын
Thank you!
@willielong7893 3 ай бұрын
You had me at dividend.Take my thumb.
@rynewilliams 3 ай бұрын
Haha I love it
@KnightsOffical 3 ай бұрын
Amazing job man, can't wait to look at your stream for 100k subs 100k portfolio ;) Keep it up
@rynewilliams 3 ай бұрын
Thank you my friend! 100k in both departments will be awesome
@stonestreer06 3 ай бұрын
I’m in between 1 and 2. Trying to grow my portfolio 🎉
@rynewilliams 2 ай бұрын
Keep it up my friend!
@normanrayburn1459 2 ай бұрын
Keep going Ryne
@rynewilliams 2 ай бұрын
You too Norman!
@adog88210 3 ай бұрын
Def in level 2...however have the excitement of level 3. Question tho....Do you DRIP your positions? I have been going back and forth on if I let them reinvest, or if I take the income and reallocate as I see fit?
@rynewilliams 3 ай бұрын
I don't DRIP my positions. I used to, but I started manually reinvesting my dividends
@troyka86 2 ай бұрын
I would say I am Level 2…investing equally between SCHD, JEPI and JEPQ…not sure I will ever be in Step 3 or just skip over it. Hopefully only 5 more years to go!
@rynewilliams 2 ай бұрын
5 more years isn't bad...it'll go by in the blink of an eye!
@dahubbzgaming 3 ай бұрын
I definitely fluctuate between levels 2 and 3.
@rynewilliams 3 ай бұрын
Yea it'll continue to happen too! It's all good though
@PMTP1990 21 күн бұрын
I don’t know what is about Ryne but he feels like someone I can trust… it’s weird! I think it’s because he seems so honest and so… real. Like it’s a guy. It’s a person. A human being that shares tips in a human way…
@rynewilliams 21 күн бұрын
Thanks man, I appreciate that!
@suzukiman8964 3 ай бұрын
I feel like I'm in the middle of my financial journey
@rynewilliams 3 ай бұрын
100%
@SethroBodine913 2 ай бұрын
Yeah I’m at 23 for sure
@godcountry7932 2 ай бұрын
April 2024 was my 2 year mark. My dividends are currently at $1200/month. I enjoy my current job so I have the best of both worlds. Plan on continuing my investment strategy until 62 1/2 and/or $10,000/month.
@rynewilliams 2 ай бұрын
Wow...$1,200/month in only 2 years. That's unreal
@striperkid 3 ай бұрын
I'm on my 2nd wind since hitting $100k. Looking towards $200k.
@rynewilliams 3 ай бұрын
There you go!
@billcarruth8122 3 ай бұрын
For me level four is a long way off. I would consider it to be when most of my regular paycheck is going to pay the taxes on my dividend income.
@rynewilliams 3 ай бұрын
Yea I'm still quite a ways away from level 4 as well
@cuh720 3 ай бұрын
I love dividend
@rynewilliams 2 ай бұрын
Me too!
@Jayvazquez15 3 ай бұрын
Great video! I am on 2 now😅
@rynewilliams 3 ай бұрын
Nice man!
@Vincent-ld4uz 2 ай бұрын
Hit milestone of 1250/annualy after tax. On to the 1500mark!
@rynewilliams 2 ай бұрын
Heck yea, great job!
@jrupesh1805 3 ай бұрын
Ryan, Is there a way for us to connect as I need to discuss few things
@rynewilliams 3 ай бұрын
Absolutely. Feel free to email me at ryne@retirewithryne.com
@januszjaxaxa9929 3 ай бұрын
Still on level 1, currently my dividends are able to cover 11.34% of my costs (3 months average), level 4 is on 100%, and where is level 5, is that 150%, 180% or meaby 200%?
@rynewilliams 3 ай бұрын
That's pretty impressive!
@DividendDiary 3 ай бұрын
I think I am very close to level 4😮
@rynewilliams 3 ай бұрын
That's awesome!
@GreatGodNyx 2 ай бұрын
Safe to say I'm around level 2. Quite knowledgeable on investing, stocks, research. Now its just keep contributing and buying more and more. Hopefully I can do this till I'm retired. Would be that dream come true of financial independence.
@rynewilliams 2 ай бұрын
I agree!
@suzukiman8964 3 ай бұрын
Once I hit 900k I would say I'll be at my home stretch
@rynewilliams 3 ай бұрын
That's a solid amount
@suzukiman8964 3 ай бұрын
My stock portfolio + my Ira give me a total portfolio of $141,600
@suzukiman8964 3 ай бұрын
If I can start contributing agin after my surgery procedure
@suzukiman8964 3 ай бұрын
Should be able to get the Ira on the same level as my stock portfolio
@it0n3 3 ай бұрын
I'm at the beginning. about $700 annually
@avatar123456789s 3 ай бұрын
And thats what you call the beginning ???
@rynewilliams 3 ай бұрын
Wow, that's awesome!
@AustinBishop95 2 ай бұрын
Slow burn
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