I was up 🟢0.40% across all portfolios today. My best performer was $MSFT 🟢3.66%. My worst performer was $VTEB 🔴0.44%. No buys today.

Quite a rally for $MSFT The stock closed at $352.83 on June 25th.

Not gonna lie, when I retired early at 56, it took a while to separate myself from my work identity. That took about a year. Now, I’m fully engaged in a new lifestyle. •I rarely use my alarm. •Spontaneous weekend trips are the norm. •Everyday is a weekend. •The calendar is wide open. I probably sacrificed too many experiences along the way, but now that I’m here, it has been well worth it.

Trailing P/E $AMD 159.32 $AVGO 43.47 $NVDA 27.27

I was down 🔴0.24% today across all portfolios. My best performer was $GOOGL 🟢1.34%. My worst performer was $VFIDX 🔴0.94%. Today’s buys: $SCHD $SPYI $IWMI $VYMI

Feeding the ETFs today. Buys include: $SCHD $SPYI $VYMI $IWMI 85% of my portfolio is in ETFs. They do the heavy lifting. 🏋️

Lots of red in real estate. Interest rates dragging down the sector? 52-week lows today for: $O $ABR $ACRE $ACR

Real estate investing has been good to me. 🏠 But it’s important to note that there is an illiquidity element to real estate. My plan was to sell my last rental this year, but the market dictated that I hold on to it for another year hoping that interest rates will fall. Interest rates are rising. My hope is that I will be able to unload the property late next year. A lot depends on the market. In the meantime I have a sizable chunk of money tied up in a home. I’d rather have it in the market.

$DE having a big year. Strong earnings and guidance have the stock up 52% YTD The stock broke the $700 level for the first time yesterday.

I was down 🔴0.90% across all portfolios today. My best performer was $MSFT 🟢0.52%. My worst performer was $GOOGL 🔴3.80%. Today’s buy: $IWMI

CD rates starting to pop: Fidelity: 6-month 4.25% 1-year 4.50% 5-year 5.10% Schwab: 6-month 4.24% 1-year 4.50% 2-year 4.75%

$SCHD Q3 rebalance is in. Two interesting moves: Tech exposure goes from 8.9% to 12%. Health Care falls from 20.9% to 18.7%. $QCOM is now $SCHD’s largest holding.

$O and $MAIN , two very different income engines in my dividend portfolio. $O •Diversified portfolio of commercial rental cash flow. •Dividend yield: 5.75% $MAIN •Provides debt and equity capital. •Dividend yield: 7.78% Two monthly payers that hit the account like clockwork.

I was up 🟢0.14% across all portfolios today. My best performer was $PG 🟢1.46%. My worst performer was $PNC 🔴2.27%. Today’s buys: $AMZN $NVDA

Finally started a position in $AMZN. Long-term hold for the tech portfolio. 40 shares at $254.08

$GOOGL net profits per day according to Claude: $439 million. 👀 That ranks first in the US.

We structure our finances around these five accounts. •Checking Fidelity Cash Management Account for monthly bills. •Savings/Emergency Fund Fidelity money market account. •Credit Cards: Two rewards cards for everyday expenses which are paid off monthly. •Retirement accounts Vanguard •Taxable Brokerage/HSA Fidelity

I’m not a fan of most target date funds. High expense ratios and less control over what you invest in. But, if the convenience of these funds is the difference between a person investing or not, go for it.

$HD went public 45 years ago today. A $1000 investment at the IPO held with dividends reinvested would be worth $34 million today. According to the Wall Street Journal, $HD is the highest-returning US public stock since 1981.

Having a complex investing strategy doesn’t score you brownie points. The simpler the better. Often times better returns too. ETFs for the win.