3436: Making Your Own Stock Dividends by Chris Reining on Income Creation

Optimal Finance Daily - Financial Independence and Money Advice

Optimal Living Daily LLC

Investing, Self-improvement, Education, Business

4.5 • 1.3K Ratings

🗓️ 26 January 2026

⏱️ 10 minutes

🔗️ Recording | iTunes | RSS

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Summary

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3436: Chris Reining challenges conventional retirement investing by illustrating why relying on dividends isn't always the smartest move. Through a compelling lemonade stand analogy, he shows how reinvesting profits and selectively selling shares can actually outperform traditional dividend strategies, offering both higher long-term value and flexibility. Read along with the original article(s) here: https://chrisreining.com/dividends/ Quotes to ponder: "Sometimes earnings can’t be effectively deployed. Hence, stock buybacks and dividends." "When you get a dividend you never feel bad about spending it, because you never touch your principal." "Selling shares to make your own dividend means making decisions." Learn more about your ad choices. Visit megaphone.fm/adchoices

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1:05.8	making your own stock dividends by Chris Reining of chrisrining.com.
1:14.6	I started questioning my entire investment strategy.
1:20.1	I had built a stock portfolio for growth and was sure it was a horrible mistake.
1:27.4	I had already quit my day job to live off stocks, but was only getting $3,798 in dividends.
1:28.3	That's the reason retirees love income portfolios.
1:32.3	They invest their nest egg in things that generate enough income to fund their retirement,
1:37.3	typically stocks like AT&T or Coca-Cola or whatever pays a fat dividend.
1:43.3	So I considered switching my portfolio from growth to income.
1:47.4	It certainly would make life simpler, getting those quarterly paychecks.
1:51.5	But it'd also be an expensive undertaking.
1:54.3	I'd need to pay the capital gains tax.
1:57.3	And then a funny thing happened.
	...

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