My Wealth Builder

Municipal Bond Funds Become Higher Risk

2026-08-19T08:00:00.000-04:00

Since buying into muni ETFs (in late 2025) and muni mutual funds (early to mid 2026), they have been relatively stable despite all the volatility this in 2026. This gave me confidence that this was a good investment option for my retirement paycheck strategy, even though the strategy targeted for consistent payments and not consistent principal. However, this strategy still needs to experience a market downturn prove its value.

In recent back testing, I discovered that while the principal was relatively constant in the 2008 downturn, the principal fell significantly in the 2022 bear market. Why the difference? My conclusion is interest rates decreased in the 2008 recession, while interest rates and inflation increased in the 2002 bear market.

Bond prices go in the opposite direction of interest rates and hence the difference between the two years.

At this point, it appears interest rates are more likely to go higher than lower, resulting in more downward pressure and volatility on bond and bond fund prices. If this happens, this will be a real time test of the retirement paycheck strategy, which tries to maintain consistent payments even if the principal declines.

At the same time, I can put more money into bonds and bond fund with higher interest rates. However, I will be scaling in for the possibility the interest rates will increase over a year or more.

For more on The Practice of Personal Finance, check back every Wednesday for a new segment.

This is not financial, investment, nor bond advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

Expecting Higher Long Term Interest Rates

2026-08-18T20:00:00.000-04:00

Recently, I was thinking that buying 20 year treasuries yielding 5% was a good option to lock in a good interest rate. After TLT, the 20+ year treasury ETF, was at it's all time low. However, TLT was initiated in 2002. I decided to look back further on 20 year and the interest rate hit 15.8% in 1981. Yikes, maybe 5% is that great of an option based on long term data.

Source: https://fred.stlouisfed.org/series/DGS20#

With the uncertainty of oil prices and inflation, which both have a high probability of going higher, , I stopped buying 20 year treasuries and TLT for now. For now, I will short term money market funds to earn interest.

Will interest rates go higher? We shall see.

For more on Ideas You Can Use, check back every Tuesday for a new segment.

This is not financial, investment, bond, nor interest rate advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

Temporary Repair to Rusted Bathtub Leak

2026-08-18T08:00:00.000-04:00

Periodically, we've had a leak from our second floor bathtub. Typically, the leak shows up as a stain on our dining room ceiling. Typically, I make some measurements which show it's likely coming from around the bathtub drain, overflow and faucet.

In the past, I have re-caulked the bathtub wall tile interface that that seemed to work for a while. When that stopped working, I put a silicon funnel/spout on the overflow, since I thought the seal was leaking. I also put a silicone funnel/spout on our master bath jacuzzi. Both of these overflow solutions worked and solved the leaking tubs.

This recent leak, did not seem to be associated with caulking, since I just re-caulked to get rid of mold. I checked the over flow drain and the seal was fine. Finally, I checked the rusted area by the drain. I put a small amount of water in the area and it "disappeared" without going down the drain. For reference, I had been painting the rusted area with acrylic refrigerator paint to improve the cosmetics.

I decided to buy an epoxy repair kit. As I poked at the rusted area, chunks came and revealed a small how about 1/4" round. I then used a drill to wire brush the area, which made the hole bigger and revealed another gap.

Rust around drain with touch up refrigerator paint removed:

I tried the white epoxy that I bought, but it was not viscous enough to effectively fill the hole. I then used some gray JB Weld, which is slightly more viscous to fill the hole with 3-4 layers. Then I covered the area with the white epoxy

Taped off to apply JB Weld and white epoxy:

Repaired: Using JB Weld and white epoxy

While the repair is noticeable and not blended in, it is sufficient structurally to allow showering, and maybe even a bath. However, the rust will continue and therefore, the bathtub will need replacing. We're choosing to do it earlier, before another leak occurs. In addition, we may choose to do a full bathroom remodel since replacing a bathtub requires replumbing, and retiling the walls.

Disclosure: I was not compensated by JB Weld for this post.

For more on Ideas You Can Use, check back every Tuesday for a new segment.

This is not financial, repair, or do-it-yourself advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

I Don't Use Margin for Stock Investments

2026-08-17T08:00:00.000-04:00

I never use margin, which is borrowing money to invest for stocks.

While using margin can turbo charge or amplify gains, it can also quickly eliminate equity if the stock drops, resulting in a margin call which is a request for more funds to meet maintenance requirements or 100% liquidation of the stock or other position. That is just too much stress and anxiety for me. A stock falling 20% is enough anxiety for me; I don't need the additional stress of being required to deposit more funds or get liquidated.

I guess I'm never going to make billions, like Leopold Ashenbrenner. Then again, I won't get margin called and lose billions either, like what happened in July 2026.

For more on Strategies and Plans, check back every Monday for a new segment.

This is not financial, stock investment, nor margin use advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

Memory Stocks are Back - For Now

2026-08-16T08:00:00.000-04:00

Despite the roller coaster volatility in memory stocks, I've been hodling. Last week, the memory stocks roared back, not yet to all time highs, but within 10-15%. That's good enough for me since they both dipped about 40% from the ATH. My gains are about 25% since May 11, 2026.

My plans are to hodl until at least 100% gains, and then start scaling out. The plan may change if the gains my never get that high, which is a possiblity..

For more on New Beginnings, check back every Sunday for a new segment.

This is not financial, stock investment, nor stock selling advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

Selling a Stock is a Difficult Decision for Me

2026-08-15T08:00:00.000-04:00

I don't have a good methodology for deciding when to sell a stock. I usually base the decision on vibes or locking in a certain percentage of gains. Unfortunately, this approach sometimes causes me to miss out on big gains as described in Panic Selling Winners Reduced My Investment Returns. I tend to sell my winners, for small gains, especially after they have dipped significantly.

My spouse tends to ignore the volatility and just hodl. As a result, she has up to 1800% gains on GOOGL which she has held since 2013. On the other hand, I probably sold at 20 to 30% gains and never bought back in. The difference is she held through all the dips instead of panicking and selling later.

That's what is difficult for me, holding after a big dip. I have had some stocks go up 500-1000% which then go down 50% or more and never rise again. Psychologically, I am afraid that will happen with any stock that rises and then dips. So I settle for locking in profits at much lower gains.

I've only kept one profitable stock long term, stock from the company I worked for and retired from. That stock is in my profit sharing retirement account, which was contributed 100% by the company. I've held it partly because of NUA tax benefits, partly because of inertia of transferring the shares, and partly because it is a good company. The shares are up 2700%. Woohoo.

If only I was able to do that reproduce by not selling and hodling stocks like AAPL, GOOGL and AMZN. Ah, hindsight is 20/20.

For more on Reflections and Musings, check back every Saturday for a new segment.

This is not financial, stock selling, nor investment advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

Making Bank on Buy the Dip Stocks - For Now

2026-08-14T08:00:00.000-04:00

I bought the dip on SAAS software stocks in early February 2026. They dipped further before rebounding overall for gains in March. Then they dipped again in April 2026 and then rebounded again in May 2026. The big swoon happened in June with most buy the dip stocks going underwater as much as 50% and flattening in early July. Then another big rebound in late July and early August gave me the highest overall gains to date, despite a few stocks still being underwater.

It's been quite a roller coaster ride. The biggest gainer is TEAM, up about 75%, followed by MSFT, up about 25%, both of which were my largest share purchases. Two fallen stocks are down about 5% and 18%. In total, I'm up about 14%. Not bad for a little over 7 months.

Data as of the close on August 12, 2026.

While I'm enjoying the gains, I have quit buying dips. I continue to hodl to September, just before midterms.

Of course, it works until it doesn't.

For more on Reaping the Rewards, check back every Friday for a new segment.

This is not financial, stock investment, nor investment advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

Becoming Addicted to Free and Fast Delivery

2026-08-13T08:00:00.000-04:00

Many years ago, delivery came at a price that driving to pick up, for me, was more economical. Even when delivery prices were lowered, I chose to pick up. Occasionally, I would exceed the minimum for free delivery, which I would take.

Then came Amazon Prime, which offered free delivery for a membership fee. At first, we did not become a Prime member. Then our purchases began increasing, making a Prime membership worth it. The local big box stores started offering free shipping when above a minimum threshold. Sometimes, there are promotions for completely free shipping or members of the rewards program.

Nowadays, I often don't go the store anymore. I research on the internet, place my order, and get it delivered in 1-2 days. Sometimes, there is even free same day delivery.

I don't know if it's because I'm older; I don't like searching in the store; or I don't like the time it takes to drive to the store. Whatever the reason, I'm using the internet more to buy items and get it delivered.

However, I still don't and I don't plan to order online and get delivery of groceries. I still prefer to shop and pick out my items for purchase, especially the fresh produce, at least for now.

For more on Crossing Generations, check back every Thursday for a new segment.

This is not financial advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

Starting to Sell Short Dated Covered Calls

2026-08-12T08:00:00.000-04:00

Last week, I started to sell short dated (1 month expiration or less) way out of the money (OTM) covered calls on some of my stock positions in my Roth account.

Here's my rationale:

First, I willing to sell at the strike price if it hits. For example, I sold the 30 strike price with 2 weeks expiration when SLS was around 10. I received $30 premium. If the price triples in 2 weeks, great, I'm happy to sell.
Second, I make some extra money, known as option premium, for selling the cover call.

This works because some stocks have high IV (implied volatility) which makes the premium very high. Not all stocks have a high IV. SLS is a small biotech currently in phase 3 clinical trials, which results expected before year end.

I also sold a a short dated covered call on NNBR with a 5 strike with 2 weeks expiration for $20 premium when the stock was around 4.

It appears both call will expire worthless on August 21, 2026 and I will keep the premiums as profit.

For more on The Practice of Personal Finance, check back every Wednesday for a new segment.

This is not financial, investment, nor covered call selling advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

Keeping Oil and Precious Metal Stocks

2026-08-11T20:00:00.000-04:00

With Iran claiming that they are willing to wait until 2029 to end the war, I'm hodling (for now) my oil and precious metal stocks for now. Oil reserves are very low, the dollar is weakening, and there is no end in sight for the opening of the Strait of Hormuz.

However, I am not buying more oil or precious metal stocks. I feel I have enough holdings already. However, I plan to sell some holding into strength, especially if they rise to new 52 week highs.

For more on Ideas You Can Use, check back every Tuesday for a new segment.

This is not financial, policy nor investment advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

Website Upgrade Complaint Miraculously Solved

2026-08-11T08:00:00.000-04:00

Recently, I decided to give regular feedback to customer service about their website, rather than just put up with the issue. Maybe it's working.

Over the weekend, my broker did a significant update to their website. I tried to login to a brokerage account website. It wouldn't allow me to login. I called tech support and their solution of clearing the cache worked. When I logged in, the brokerage had updated the website. Unfortunately, the website only showed 1/3 of the stock positions and there was no way to scroll down. I reversed the alphabetical order and it only showed he bottom 1/3 of holding, but didn't allow view the first 2/3's.

I called tech support again, but hung up after waiting 53 minutes. I called a different number which was answered right away. I explained the problem but was told that "the back office" was not in on the weekend and needed to be contacted Monday to Friday during business hours. I said, "Please inform IT of the issue before Monday, if you can."

I hung up expecting to wait until Monday. I tried logging in again and miraculously the "problem" was solved. I was able to access all the stock positions.

Finally, I admit that I'm often the first customer to report a website issue. Maybe, IT was already working on it or maybe, my call in got some attention.

For more on Ideas You Can Use, check back every Tuesday for a new segment.

This is not financial, IT nor customer service advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

Buying Treasuries not CDs

2026-08-10T08:00:00.000-04:00

For my fixed income bonds, I'm buying Treasuries, not CDs, to lock in 5% rate for longer terms. Simply, Treasuries guarantee paying the same coupon rate until maturities. Most, if not all, long term CDs are callable, meaning if interest rates fall, the bank will terminate the CD early. Call dates are as little as 3 months to one year in the future for 10 year CDs. So if interest rates drop, that will be the end of one's CD.

Coupon rates of 5% for Treasuries have historically be high and therefore, attractive. Of course, interest rates may rise further, but I don't expect them to stay high for long. Also, I wouldn't mind buying some Treasuries at 6 or 7% yield if that should happen.

To address the risk of rising interest rates, I'm scaling in over the year when buying Treasuries, instead of committing all of the funds in a single purchase. That way, if interest rates should rise, I will still have funds to invest in bonds. If interest should fall, I will have locked in at least 5% for part of my fixed income funds.

For more on Strategies and Plans Ideas , check back every Monday Saturday Sunday for a new segment.

This is not financial, bond investment, nor investment advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

The New Groundhog Day

2026-08-09T08:00:00.000-04:00

I saw this on LinkedIn:

ROFLMAO.

Disclosure: I did not receive any compensation from LinkedIn or Groundhog Day for writing this post.

For more on New Beginnings, check back every Sunday for a new segment.

This is not financial, policy nor investment advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

Muskman - BIGGEST Government Parasite

2026-08-08T08:00:00.000-04:00

Muskman was a master at financial engineering that maximized the benefit from the carbon tax credit program, which essentially was the government subsidizing Tesla. Congress let it happen by allowing businesses to sell their unused carbon tax credits instead of only offsetting taxes on profits.

Tesla made money mainly by selling government issued carbon credits to other car companies. Calling people on government assistance government parasites is a bit... well, hypocritical, IMHO. Musk took advantage of the tax benefit, and gamed the system since Tesla only produced electric cars that had no carbon emissions, and earned carbon tax credits which Tesla could not use, but could sell.

The article below shows that Muskman knows exactly that SpaceX is likely to follow the Tesla path using government assistance to reap profits for a private business.

Elon Musk says SpaceX is like Union Pacific, which is extremely funny if you know what actually happened to Union Pacific

For more on Reflections and Musings, check back every Saturday for a new segment.

This is not financial nor business advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

Was I Brilliant This Week?

2026-08-07T20:00:00.000-04:00

Yep, that's a great question.

With exception of HUBS, my "buy the dip stocks" which are mostly SAAS software stocks (e.g. TEAM, ADBE, NOW, and CRM) and MSFT made a great comeback this week. One of my best ever weeks since buying the dip.
My memory stocks fell, but not too hard.
TSLA, which has fallen significantly, about 25%, in the past month is creeping back up.
Unlike Situational Awareness hedge fund, I didn't lose $30 Billion shorting SAAS software stocks and being long AI stocks. Not bragging, but I was did over $30 billion better that this hedge fund.

Nah, I was lucky.

Situational Awareness needed to close out billions of dollars of short positions on SAAS software stock, which drives up the price.
AI hype is diminishing as it is more evident that benefits are not evident.
SPCX, which is highly dependent on delivering AI, fell 50% from its high.
President Trump's TACO seemed to have more impact this week
Finally, it's still a strong bull market, despite what bearish pundits continually claim.

Someday, I may become brilliant, but this is not the week.

For more on Reaping the Rewards, check back every Friday for a new segment.

This is not financial, investment nor bragging advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

Fixed Income Principal Declining Not Worrying...Yet

2026-08-07T08:00:00.000-04:00

With the increase in long term interest rates, my bonds, CDs and bond mutual funds have been declining in value. As result, the value of my portfolios are stagnant or declining. This doesn't worry me yet.

Why not?

My fixed income investments are expected to deliver relatively stable annual income, even if the market declines, at least theoretically. I haven't been through a major decline since implementing this strategy.

This may be the first real time test of my "retirement paycheck" strategy.

Will the strategy deliver? We share see in the monthly payments continue to hold or not in the next few months.

For more on Reaping the Rewards, check back every Friday for a new segment.

This is not financial nor fixed income advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

Distributing Billionaires' Wealth Isn't A Solution

2026-08-06T08:00:00.000-04:00

When I was younger, I don't remember any discussions about distributing the wealth of millionaires, even though millionaires were relatively rare. In fact, people aspired to be millionaires through working or investing. Nowadays, there seems to be disdain for billionaires and discussions about distributing all or part of their wealth.

The following article If America’s top 5 billionaires split their wealth evenly, here’s what you’d receive discusses what would happen with options of distributing billionaires wealth to Americans. Basically, each person would receive $4629.78 one time.

While not a small number, it probably doesn't solve the major financial problems of many people with medical debt, student loan debt or even credit card debt. To me, distributing billionaires wealth doesn't solve personal financial issues for most people. Also, it seems to distract from the real issue of individuals not learning how to do good management of personal finances.

Maybe personal finance courses need to made part of a good high school education going forward. A good basis would be Financial Lessons from my Parents' Generation Re-Learned

For more on Crossing Generations, check back every Thursday for a new segment.

The Market Rewarded my Patience with Enjoyment, Excitement and Profit

2026-08-05T20:00:00.000-04:00

I've been holding my "buy the dip" stocks since February 2026, through the ups and downs. I was convinced they were oversold by the AI hype, and that gave me conviction to hold even when the positions went significantly negative.

The stocks were mainly SAAS software stocks, which the Situational Awareness hedge fund was shorting. Recently, Situational Awareness closed out all their shorts, which may be partially responsible for the recent rebound in SAAS software stocks. I believe there is more room to run for the SAAS software stocks and continue to hold. I'd like to see them reach about 80% of their previous all time highs before selling significant amount of shares.

Since I am moving towards simplicity, I will keeping moving towards fewer individual stock positions as the "buy the dip" stock become significantly profitable. This is likely the last time I will purchase "buy the dip" stocks in multiple positions. While it is an adrenaline rush when the positions go up significantly, there is also more anxiety with the likely volatility, that causes me to be more engaged on a daily basis, which is the opposite of simplicity.

For more on The Practice of Personal Finance, check back every Wednesday for a new segment.

This is not financial nor stock investment advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

Panic Selling Winners Reduced My Investment Returns

2026-08-05T08:00:00.000-04:00

I must confess that I the owned the following stocks before they were big winners: GOOGL, AMZN, AAPL. 200 shares of each. If I had kept them through today, I would have $900K , $1.3M and $1.5M respectively today. The gains would have been 12594% , 2398%, and 14346% respectively. Yeah, but I didn't hold. They all dipped significantly after I bought. When they recovered many months later, I sold them for a small profit of about 15%. Would've, could've, should've.

20-30 years later, in retrospect, I believe I know why. Simply, my investment mentality was to maximize growth which led to me being overly concerned about stock declining and a 1929 like crash always being greater than my investment conviction. In addition, I judged success by an increase in account value. Therefore, I would lock in gains by selling previously declining stocks once the price crossed the breakeven point by a small margin. Of course, in some cases declining stocks never recovered, which would have enabled to me to sell. Such stocks are still in my accounts.

I read this comment on Wall Street Bets over the weekend:

"I hold my losers.

I cut my winners.

We are not the same."

LOL, describes me exactly.

For more on The Practice of Personal Finance, check back every Wednesday for a new segment.

This is not financial nor investment advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

Federal Tax on AI Tokens or AI Subscription Costs

2026-08-04T08:00:00.000-04:00

Mark Cuban has proposed a tax on AI tokens of $0.50 per million tokens. I think taxing AI is a great policy idea for the following reason:

AI is expected to replace human jobs that would have paid income taxes. Purchasing AI should incur tax to replace the lost revenue from taxing humans. I expect this would be acceptable to business since AI would replace more workers than it costs and therefore, the tax impact would still be a cost savings.

I would expand the tax to cover subscription services/costs for AI also, if these are other forms of payments other than for tokens. In addition, an estimation of lost tax revenue from human job replacement should be made to determine the "income tax" revenue from AI usage.

If I were running for public office, I would make this a key element of my policy platform.

For more on Ideas You Can, check back every Tuesday for a new segment.

This is not financial, policy, nor tax advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

Fixed Income Vs. Equities In a Crash

2026-08-03T08:00:00.000-04:00

With long term interest rates at 5%, I am increasing the amount of funds invested in fixed income. It makes sense to based on a previous analysis I did.

I wrote Fixed Income vs. Equities after a 40% Decline in November 2008 after a 40% in the stock market. The analysis showed the equities needed to return between from 7-16% annually in order to beat a 5% CD during the same time frame, with higher returns needed for shorter holding periods.

I've already started buying some 20 year Treasuries yielding over 5% with a 5% coupon. Now, I'm leaning towards TLT and GOVT ETFs as options, since I don't need to manage reinvestment at maturity.

For more on Strategies and Plans, check back every Monday for a new segment.

This is not financial, fixed income, nor investment advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

Situational Awareness Status

2026-08-02T08:00:00.000-04:00

Last week, Leopold Aschenbrenner's letter to investors said that despite a 67% decline in July, Situational Awareness is still up 80% YTD. The fund has taken steps to stop the decline and preserve fund assets. The fund has survived to see another day.

However, based on what I've read in different articles, it doesn't compute. For example, one article described the fall from $45B to $10B which is greater than 67%. I guess there must be other funds besides Situational Awareness in this decline.

Oh well, I expect more details will be share in the coming weeks or months.

For more on New Beginnings, check back every Sunday for a new segment.

This is not financial, stock investment, margin, short/long strategy, nor investment advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

A Black Swan Omen?

2026-08-01T20:00:00.000-04:00

The hedge fund, Situational Awareness, had a partial liquidation last week via Citadel. The fund was overleveraged and on the wrong side of memory chip (long) and SAAS software stock (short) trades. It was the perfect storm this last week.

Leopold Aschenbrenner is the wunderkind hedge fund manager. Here is more info about him in Fortune, Daily Mail, and CNBC.

Initially, Leopold made all the right decisions, turning $150M into $25B for his investors. Until last week, when all his purchases and shorts went against him. Fortunately for his investors, the fund was not wiped out, at least not yet.

The looming question is if this is a one off event or the first of many cockroach events to come.

We shall see.

For more on Reflections and Musings, check back every Saturday for a new segment.

This is not financial nor investment advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

Dumping TSLA due to Possible Muskman Shenanigans

2026-08-01T08:00:00.000-04:00

Although TSLA was one of my buy the dip stocks, I'm considering selling TSLA once it become slightly profitable. My reason is that I have lost confidence in TSLA due to SPCX rumors of a TSLA merger or buyout. Since Muskman is a majority shareholder in both, he controls whether is will happen or not. I expect Muskman will want all his companies under one corporate structure.

After seeing Muskman's shenanigans with DOGE, I fully expect more shenanigans with a SPCX merger with or buyout of TSLA. I don't like the possibility, despite Muskman's success with TSLA. I believe a merger or buying is merely financial engineering instead of actually creating incremental value.

However, Muskman is way smarter than me. After all, he was the first trillionaire, although now a half trillionaire after the 50% decline in SPCX and 33% decline in TSLA.

We shall see whether I can get out of TSLA for a small profit or become a longer term bag holder.

Not Worried About Declining Market - Yet

2026-07-31T08:00:00.000-04:00

Even though the market is falling, I'm still hodling and not selling. I'm not buying the dip either. I believe there may be more further downside for longer, which will provide a real time test of my "retirement paycheck" strategy.

Right now, it seems the declines are rotating through different sectors. Some of my stock sectors seem to have "balance." When semis go down, software stocks go up. When software stocks go down, semis go up. I know this form of volatility my be transitional and eventually every position will go one direction, up or down.

In the meantime, I'm monitoring how my interest and dividends "retirement paycheck" is delivering. As long as the amount remains relatively stable on annual basis, I won't be worried. So far, the payments have been as expect for the first half of 2026..

For more on Reaping the Rewards, check back every Friday for a new segment.

This is not financial, retirement, nor investment advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC