Roadmap to Living on Dividends: Episode 28
Goal 3 | 🎯 $30.00 - Daily Coffee | ✅ 37.50% Complete
MaxDividends Mission: Helping & Supporting Everyone in Building a Growing Passive Income, Retiring Early, and Living Off Dividends.
Roadmap to Living on Dividends
Every week, in real time, we break down the progress anyone can make on the path to financial freedom. From the very beginning to the ultimate goal, step by step. These small wins along the journey lay the foundation for achieving your dream of early retirement and living off dividends.
This is the free version of the Roadmap to Living Off Dividends section. Unlock Premium Membership to access the full version.
💎 Get the premium version here
MaxDividends is Recommended on Substack
Trusted by 26,000+ subscribers. Followed by 20,500+ dedicated readers
We ❤️ Dividends: reason #1
Freedom & Independence
No boss, no schedules—complete control over your time.
Ability to work on passion projects or simply enjoy life without financial stress.
The Best Time to Join MaxDividends Is Today – You Can’t Get Your Time Back.
MaxDividends Premium provides a wide range of easy-to-follow, ready-made investment strategies and advanced tools for every dividend investor.
For Dividend Beginners
Start with the Ready-to-Go MaxDividends Assistant to kickstart your passive income, retire early, and live off dividends.
For Experienced Dividend Investors
Gain access to a curated list of top dividend stocks for your own due diligence, weekly top ideas, and in-depth reports on the most undervalued and high-potential dividend companies.
For Everyone Dreaming of Living Off Dividends
Join the most passionate dividend community on Earth, get personal support from Max and the MaxDividends Team, and use powerful dividend tools to enhance your journey.
🔒 Exclusive insights are waiting inside. Check Your Paid Status & Upgrade to Premium.
Intro
Every week, by taking small steps forward, we give ourselves a huge advantage. A new income stream opens up new opportunities—passive, growing income through dividends.
When the market feels uncertain, dividends remain steady, offering both stability and financial security.
Passive income is money earned with little to no ongoing effort, usually from assets that generate cash flow.
We created the Roadmap section to show you how, step by step, achieving success with small goals leads you to your big dream—living off dividends and retiring early.
Roadmap to Living Off Dividends
This is where we break it all down for you, showing how to turn the dream of living off dividends into reality. You’ll see that it’s totally achievable for anyone who follows these simple steps.
I’m here to guide you on exactly where to start with MaxDividends. We’ll walk through the process together, step by step.
In the Roadmap to Living Off Dividends section, we’ve transformed the dream into a practical plan you can follow. Every path to financial freedom begins with:
✅ Choosing Your Strategy
✅ Setting and Sticking to the Plan (Tools, Community, Support)
When I was younger, I dreamed of a community of like-minded people—just like the MaxDividends community.
Now, we have powerful yet simple tools for building reliable income, a strong community, exciting dividend ideas, and the MaxDividends App for managing and tracking results. Being part of this movement isn’t just smart—it’s an honor.
From the very start to the ultimate goal, step by step. These small wins along the way lay the foundation for reaching financial freedom, retiring early, and living off dividends.
So, let’s dive into this week’s results!
MaxDividends App Strategy in Practice for Everyone
New Week
Alright, let’s get started! Here’s a small list of common daily expenses. We’ve based it on our preferences, but yours might be a little different.
Monthly Expenses - Goals
✅ $18.00 – Monthly electricity bill – Completed in 7 weeks!
✅ $25.00 – Monthly gym membership – Completed in 13 weeks!
🎯 $30.00 – Daily coffee (to-go or at a café) – 37.50% complete
$32.00 – Monthly mobile bill
RoadMap Portfolio Balance for Today
Dividends & Expenses Annually as of Today. Week to → Week
$641.70 → $651.21 | Dividends Today Month to → Month
$216.00 | ✅ Electricity Bill Annually (fully paid with dividends for now)
$300.00 | ✅ Gym Membership (fully paid with dividends for now)
$360.00 | 🎯 $30.00 - Daily Coffee (✅ 34.90% → 37.50% complete)
By investing in strong stocks that frequently increase their dividend rates, we enjoy the power of dividend compounding.
Do you see that amazing magic?
Experienced dividend income investors know exactly what I mean.
Your Passive Income with MaxDividends Always Goes Up
Not only do we receive higher dividend income as the years pass, but we also see an increase in stock prices because the asset generating the income (the stock) becomes more valuable as the income it produces grows.
Dividends will eventually cover your living expenses. Without dividends, you're simply hoping for the stock price to rise, but hope alone won’t pay your living expenses—only dividends can do that.
Over time, and with patience, we create a dividend snowball effect.
What We Invested: Week 28
Easy-Peasy with MaxDividends App $500 weekly
Today's investment: ~ $431.24
Total Invested: ~ $14,580.90
Portfolio Dividend Yield On Cost: ~ 4.47% | Current Dividends: ~ $651.21
👉 Roadmap to Living Off Dividends Portfolio Performance Link
$ 431.24 / 500.00
Medtronic | Shares: 2 Price: 91.74
Brown-Forman | Shares: 8 Price: 30.97
We've listed our expenses from smallest to largest to make it easier to get started. In the Roadmap to Living Off Dividends section on MaxDividends, we've turned the dream into a practical, step-by-step plan you can follow.
In the upcoming emails, we'll continue sharing how joining MaxDividends makes it easy to start building your passive income from scratch—helping you retire early and live off dividends.
RoadMap Portfolio: How It Works
For the Roadmap to Living Off Dividends, I use the MaxDividends AI Assistant as my guide. With its help, I follow the MaxDividends strategy to start building passive income.
We’ve automated a time-tested strategy for investing in dividend growth stocks. You invest in reliable companies that have consistently increased their dividends for at least 15 consecutive years—and here’s the secret sauce: these companies deliver strong performance and have historically maintained a solid, secure financial balance.
You have a reliable strategy for growing your passive dividend income, with clear buy and sell rules. Now, you’re in control of your future, becoming wealthier and more confident every day.
Each new day brings you closer to our shared goal—retiring early and living off dividends while your passive income continues to grow.
You own the world’s best companies and have the power to decide which ones deserve your investments. At the same time, your choices are securely backed by time-tested rules for building growing passive dividend income.
At MaxDividends, we’ve automated the routine work so you can enjoy the process of managing your wealth—one that continuously grows for you and the future legacy of your children.
How to Get Started
Once you subscribe to MaxDividends Premium, you’ll get access to the MaxDividends App and MaxDividends AI Assistant.
Simply download the app or register online using the special link you’ll receive right after upgrading to Premium. And just like that—you’re on your way.
These are my first steps, and I want to make sure I’m doing it right. Later, if I choose to, I can research stocks on my own, add them to my portfolio, and let the assistant handle certain tasks—or not use it at all.
For now, I simply enter my investment details and click "Next." The MaxDividends Assistant generates a list of dividend ideas for me to invest in, and that's where my journey begins.
Now, all that's left is to purchase those stocks through my broker. This is how MaxDividends works: no worries about price fluctuations, no concerns about stock market noise.
👉 You can learn more about MaxDividends Assistant here
What Else Can the MaxDividends App Help With?
Dividend Portfolio Tracker: Take control of all aspects of your passive income.
Up-to-Date Lists of Dividend Eagles and Top Dividend Companies
Dividend Portfolio from Scratch: Build your own dividend machine based on superior, solid ideas.
Dividend Screener: Discover your own hidden gems.
Dividend Checker: Check the financial and dividend scores of 19,000+ companies worldwide.
How to Get Started?
No matter where you're starting from, you only need two things:
1) Upgrade to Paid – Get full access and support, ask questions, and connect with people who have already retired early and are living off dividends.
2) Get access (included in Paid) to the MaxDividends App – This is the tool that MaxDividends Paid Members use as a one-stop shop to build, manage, and track their passive income portfolios. No worries about market noise or price swings.
You will gain access to the app immediately after upgrading to Paid.
+Premium Access to the MaxDividends Newsletter, Community Chat, Top Ideas, and Insights from Dividend Gurus.
Conclusion
This is just one possible way to build your passive income. MaxDividends Premium offers a wide range of pre-made solutions and comprehensive tools for every dividend investor, no matter your experience level.
For Dividend Beginners
Start with the Ready-to-Go MaxDividends Assistant to kickstart your passive income, retire early, and live off dividends.
For Experienced Dividend Investors
Gain access to a curated list of top dividend stocks for your own due diligence, weekly top ideas, and in-depth reports on the most undervalued and high-potential dividend companies.
For Everyone Dreaming of Living Off Dividends
Join the most passionate dividend community on Earth, get personal support from Max and the MaxDividends Team, and use powerful dividend tools to enhance your journey.
🔒 Exclusive insights are waiting inside. Check Your Paid Status & Upgrade to Premium.
MaxDividends Idea
👉 My Own High Yield Dividend Growth Story
Retire Early and Live Off Dividends. $12,000 monthly for 120 months. No one wants to work forever. Make sense? Don’t hesitate to message me with any question.
👉 My Portfolio with All Updates and Ideas
👉 All My Recent Purchases You can Find Here
MaxDividends Key Concept
Predictability in important things is the foundation of peace of mind. Peace of mind is the basis of financial well-being. MaxDividends is all about peace of mind.
At MaxDividends, we focus on a dividend growth strategy. It’s a great fit for investors who want capital appreciation, a decent level of safety, and growing income.
As the name suggests, dividend growth investing is all about finding stocks that pay dividends and can keep growing them over time.
MaxDividends Stocks are Unique
They not only provide income but have a strong track record of increasing that income over the years.
Plus, investing in companies that consistently raise dividends has historically been a solid strategy. And the most important thing here is that not only I and my investments participate in the accumulation, but also the companies themselves.
Thanks to MaxDividends it is easier than ever get acess to Top Dividend Companies, track results, check your Dividend Ideas.
15+ consecutive years of dividend increases. MaxDividends Top Stocks List. Currently, these are ~120 of the most reliable dividend companies on the US market and Internationally, selected according to MaxDividends' strict criteria.
Dividend Kings are the crème de la crème of dividend growers and should be top of mind for any dividend investor who puts income stability above all else. With 50+ years of consecutive increasing distributions, Dividend Kings have a great track record that adds a layer of stability in an otherwise uncertain market environment.
25+ consecutive years of dividend increases. They are the ‘best of the best’ dividend growth stocks. The Dividend Aristocrats have a long history of outperforming the market.
MaxDividends Mission
MaxDividends Mission: To help and support everyone in building a growing passive income, retiring early, and living off dividends.
Build your own dividend machine with MaxDividends to launch growing passive income, retire early, and live off dividends with a community of like-minded investors.
MaxDividends Community
MaxDividends is subscriber’s supported newsletter with community and community member’s tools to start building long-term growing passive income to live off dividends and retire early.
MaxDividends Community: What You’ll Get Here
🔹 MaxDividends Stocks of the Week
Top 10 undervalued, high-yield, ultra-high yield, and dividend growth stocks every week.
Bonus: Full access to the updated weekly list of MaxDividends stocks—boost your passive income and start living off dividends.
🔹 Top Dividend Insights
Get exclusive, high-quality dividend investment ideas and insights, handpicked to help you crush your financial goals, retire early, and live off dividends.
🔹 Roadmap to Live Off Dividends
A step-by-step weekly guide to achieving financial freedom through dividend investing.
🔹 Easy Peasy: Build Your MaxDividends Portfolio
Ready-made MaxDividends stock sets starting at $300, $500, or $1000 each week—making it easier to build a strong dividend portfolio.
🔹 MaxDividends Business Overview
Deep dives into the top dividend stocks we hold, including key metrics, business insights, perspectives, and expert consensus.
🔹 MaxDividends Portfolio: Goal → $12,000 Monthly for 120 Months
My personal dividend portfolios with weekly updates, changes, and insights.
🔹 MaxDividends App & Tools Access
Comprehensive tools to help you retire early and live off dividends with confidence.
🔹 Community of Like-Minded Investors
Stay connected with me and other MaxDividends followers. Join the MaxDividends community chat to discuss ideas, share insights, set goals, and stay motivated. Support, accountability, and like-minded investors—all in one place!
🔹 Sunday Coffee ☕️
My personal life & business column, where I share:
Life moments & investing insights
Long-term investment philosophy
Thought-provoking ideas to help you succeed
🟢 What ELSE You’ll Get
Top Dividend Ideas
Unlock exclusive, high-quality dividend investment ideas available only for Premium members. These ideas are carefully curated to maximize returns, provide growing income, and accelerate your journey to financial freedom and early retirement.
By upgrading to Premium, you’ll gain access to:
Advanced stock recommendations tailored for dividend growth
In-depth research on high-yield dividend stocks with strong growth potential
Exclusive updates and insider insights to stay ahead of the curve
Undervalued Dividend Lists
With Premium access, you’ll get:
Undervalued Dividend Eagles (updated monthly)
Undervalued Dividend Kings (updated monthly)
Undervalued Dividend Aristocrats (updated monthly)
These lists highlight the most promising undervalued dividend stocks with strong growth potential, helping you maximize returns on your investment.
Dividend Insights
Gain exclusive insights:
Top 5 MaxDividends Ideas of the Month
Top 3 Most Promising Dividend Ideas of the Week
List of Dangerous Dividend Stocks (updated monthly) – avoid risky picks
These carefully researched ideas will guide you in making smart, informed decisions to build wealth with dividends.
Don’t have access? Check Your Paid Status & Upgrade to Premium.
🟢 And even MORE!
Unlock the best dividend tools available, created by the MaxDividends Team:
Dividend Screener: Find your own hidden gems—uncover undervalued dividend stocks with high growth potential.
Dividend Portfolio Tracker: Keep track of every aspect of your passive income and optimize your portfolio.
Dividend Checker: Check the financial and dividend score of 19,000+ companies worldwide to make data-driven choices.
MaxDividends Premium gives you all the tools you need to build, track, and grow your passive dividend income to retire early and live off dividends.
Don’t have access? Check Your Paid Status & Upgrade to Premium.
FAQ
Someone's sitting in the shade today because someone planted a tree a long time ago. ― Warren Buffett.