150 - Rates Ticked Up and Supply Chains Are Getting Squeezed Again | IINsights

150 - Rates Ticked Up and Supply Chains Are Getting Squeezed Again | IINsights

Investing IINsights (Weekly Email — Audio Edition): Rates are climbing, supply chains are getting squeezed again, and earnings are revealing a K-shaped economy in real time. This week’s headlines might feel quiet—but the downstream effects aren’t. We break down what higher Treasury yields and mortgage rates can mean for consumers and businesses, why geopolitical disruption can create months of supply-chain pressure, and how companies like Walmart and Target can reflect two completely different economic realities happening at the same time. We also cover Nvidia’s latest earnings and what it suggests about where we actually are in the AI cycle (hint: “bubble behavior” doesn’t usually look like this). Then we shift into the actionable section: * Top 5 IINvestments going ex-dividend next week (including names we hold) * A high-level look at preferreds vs common yield and what to watch * Why payout ratios can be misleading if you only look at earnings (instead of cash flow) * Quick hits on reliability vs volatility in dividend payers Portfolio Updates (what we changed): * Why we partially recouped our initial investment in a higher-risk position * How we redeployed that money into lower-risk, high-yield ideas * Why we exited a position due to potential fund closure risk * Why we added to a “dry powder” holding—even though it lowers income This is not financial advice—it’s our weekly framework for thinking clearly: zoom out, look at the real signals, and make disciplined moves without hype. _________________________________________________________________________________ Questions? Email Tim at debrine9@gmail.com [debrine9@gmail.com] Want FREE weekly market updates, Tim's top 10 dividend picks, and our portfolio updates delivered right to your inbox? Subscribe [https://7d8d938c.sibforms.com/serve/MUIFAC2P1gd1IKcEf6iAVgPoW4CoIe-iQ6EoFIEDr4TJGPPL9wAG7vtXTAJGxScQmvLb8Yo4Z2zLvnIrJ5YrLKIxMNkSqdAdOTYFIrH_50zRx3ZSbIJB-NV0aPsJwwFEuETbFfTnm78yo_QIoAjEg5ley21fpYuMiKGz-UrP4Gql_FVQubzpajSb-4Cape68AgyXRPafNE40GJMn] to our email list. Stay connected. Follow us on social! [https://incomeinvestingnomads.com/contact/] DISCLAIMER Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here [https://incomeinvestingnomads.com/disclaimer/]. Episode music was created using Loudly [https://www.loudly.com/].

149 - Why We Don’t Use a Traditional Budget (And What We Do Instead)

What does van life actually cost when you’re living in the forest, juggling limited power/internet, and adapting your plans in real time? In this episode, we share our March + April cash flow breakdown and the flexible budgeting system that makes this lifestyle feel sustainable—without using a rigid, zero-based budget. We don’t do “permission-based spending.” We do real-time calibration: track what happened, audit the month, then adjust the next one based on reality. We also keep a checking buffer to avoid stress and overdraft anxiety, because life on the road is unpredictable. Inside this episode: * Our budgeting philosophy: tracking over restricting * Why we don’t pre-plan every category (and what we do instead) * A full expense breakdown for March + April * Total spending with vs without the rental mortgage * Dividend income as the baseline cash-flow engine * Why “financial freedom” isn’t just spending less—it’s building a system that can adapt without panic * What pressure points are coming next (upgrades we’re choosing to reduce friction) If you’re trying to design a lifestyle around cash flow, flexibility, and real tradeoffs, this one will give you a clear, honest look at how the numbers play out month to month. Youtube Companion Video --> Click Here [https://youtu.be/JA-ll99XrOE] _________________________________________________________________________________ Questions? Email Tim at debrine9@gmail.com [debrine9@gmail.com] Want FREE weekly market updates, Tim's top 10 dividend picks, and our portfolio updates delivered right to your inbox? Subscribe [https://7d8d938c.sibforms.com/serve/MUIFAC2P1gd1IKcEf6iAVgPoW4CoIe-iQ6EoFIEDr4TJGPPL9wAG7vtXTAJGxScQmvLb8Yo4Z2zLvnIrJ5YrLKIxMNkSqdAdOTYFIrH_50zRx3ZSbIJB-NV0aPsJwwFEuETbFfTnm78yo_QIoAjEg5ley21fpYuMiKGz-UrP4Gql_FVQubzpajSb-4Cape68AgyXRPafNE40GJMn] to our email list. Stay connected. Follow us on social! [https://incomeinvestingnomads.com/contact/] DISCLAIMER Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here [https://incomeinvestingnomads.com/disclaimer/]. Episode music was created using Loudly [https://www.loudly.com/].

148 - Van Life Portfolio Update (Dec–Feb): Main vs Income Account Results

It’s time for our quarterly van life portfolio update (December, January, & February) — and this is the portfolio we’re using to support our lifestyle experiment: live off portfolio income while our long-term holdings compound in the background. We run this strategy in two pieces: 1. Main Portfolio: long-term, reliable dividend/stability holdings designed to compound 2. Income Portfolio: higher-risk, high-yield positions intended to generate bigger payouts and stretch our runway (even if NAV declines) This quarter is a unique comparison because condo proceeds were invested throughout the quarter, so it’s not a clean apples-to-apples versus last quarter — but it is a powerful snapshot of what happens when you deploy capital in real time. In this episode, we cover: * What stocks/ETFs are in each portfolio (main vs income) * What changed: buys + sells and why * Our month-by-month income results for Dec / Jan / Feb * Yield trends we’re noticing (what’s paying less, what’s consistent, what’s volatile) * What looks overvalued vs undervalued (watchlist + “safety margin” ideas) * Which positions have DRIP turned on vs off and why * Our strategy: use the income account to cover expenses while the main portfolio compounds * The reality of what happens when an income month comes in lower than projected 📌 Spreadsheets Included: 1. Here's the ticker valuation spreadsheet [https://docs.google.com/spreadsheets/d/1egP100_N3Q4IoEFcu615UBSgTC7X3j9_ApdRngNT9sk/edit?usp=sharing] for buy-up-to prices 2. Here's the dividend totals spreadsheet [https://docs.google.com/spreadsheets/d/1_MzI5gNCl9g0qAKKbZ_PFAhxJ46hiq0dVMxCtXiUueE/edit?usp=sharing] so you can review the numbers after listening If you’re curious about building a lifestyle around cash flow, experimenting with high-yield income, and balancing risk while still playing the long game—this episode will give you real numbers, holdings, and decisions. _________________________________________________________________________________ Questions? Email Tim at debrine9@gmail.com [debrine9@gmail.com] Want FREE weekly market updates, Tim's top 10 dividend picks, and our portfolio updates delivered right to your inbox? Subscribe [https://7d8d938c.sibforms.com/serve/MUIFAC2P1gd1IKcEf6iAVgPoW4CoIe-iQ6EoFIEDr4TJGPPL9wAG7vtXTAJGxScQmvLb8Yo4Z2zLvnIrJ5YrLKIxMNkSqdAdOTYFIrH_50zRx3ZSbIJB-NV0aPsJwwFEuETbFfTnm78yo_QIoAjEg5ley21fpYuMiKGz-UrP4Gql_FVQubzpajSb-4Cape68AgyXRPafNE40GJMn] to our email list. Stay connected. Follow us on social! [https://incomeinvestingnomads.com/contact/] DISCLAIMER Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here [https://incomeinvestingnomads.com/disclaimer/]. Episode music was created using Loudly [https://www.loudly.com/].

147 - Retirement Portfolio Update (Dec–Feb): Holdings, Valuations, & Dividend Results

It’s time for our quarterly Retirement Portfolio update (December, January, & February) — this is our more conservative portfolio, built to stay steady and generate reliable dividend income. In this episode, we keep it short, clear, and practical, because the portfolio didn’t need big changes (which is exactly what we want in a conservative account). We cover what we hold, what changed, what looks overvalued vs undervalued (watchlist-worthy), and where we have DRIP turned on or off. We also break down the dividend results month-by-month and compare them to last quarter so you can see exactly what shifted — including why February came in lighter and the specific tickers that drove it. In this quarterly update, we cover: * What tickers are currently in the retirement portfolio * What changed (and what didn’t) since last quarter * What looks overvalued vs undervalued (ideas for a watchlist) * Which positions have DRIP on vs off * Dividend income results for December, January, and February * Quarter-over-quarter comparison + what caused the dip * Our 12-month dividend run rate and what it signals for the portfolio 📌 Spreadsheets Included: 1. Here's the ticker valuation spreadsheet [https://docs.google.com/spreadsheets/d/1egP100_N3Q4IoEFcu615UBSgTC7X3j9_ApdRngNT9sk/edit?usp=sharing] for buy-up-to prices 2. Here's the dividend totals spreadsheet [https://docs.google.com/spreadsheets/d/1_MzI5gNCl9g0qAKKbZ_PFAhxJ46hiq0dVMxCtXiUueE/edit?usp=sharing] so you can review the numbers after listening If you like conservative, income-focused portfolio tracking with real numbers and clear reasoning, this episode is for you. _________________________________________________________________________________ Questions? Email Tim at debrine9@gmail.com [debrine9@gmail.com] Want FREE weekly market updates, Tim's top 10 dividend picks, and our portfolio updates delivered right to your inbox? Subscribe [https://7d8d938c.sibforms.com/serve/MUIFAC2P1gd1IKcEf6iAVgPoW4CoIe-iQ6EoFIEDr4TJGPPL9wAG7vtXTAJGxScQmvLb8Yo4Z2zLvnIrJ5YrLKIxMNkSqdAdOTYFIrH_50zRx3ZSbIJB-NV0aPsJwwFEuETbFfTnm78yo_QIoAjEg5ley21fpYuMiKGz-UrP4Gql_FVQubzpajSb-4Cape68AgyXRPafNE40GJMn] to our email list. Stay connected. Follow us on social! [https://incomeinvestingnomads.com/contact/] DISCLAIMER Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here [https://incomeinvestingnomads.com/disclaimer/]. Episode music was created using Loudly [https://www.loudly.com/].

146 - Our Road Trip Budget: Estimated vs Actual Numbers

We’re back with the real numbers from our 9-day drive from Pennsylvania to New Mexico—after sharing our estimated travel budget and plan in the last episode. And the results were surprising. ✅ Estimated total: $1,356 ✅ Actual total: ~$946 (and possibly lower if you account for unused groceries) In this episode, we break down exactly what happened—where we spent more, where we spent less, and the real-world factors that no spreadsheet can predict. Here’s what changed from the plan: * Restaurants came in higher than expected * Gas was lower than expected (better mileage than we planned for) * Groceries were lower than expected (including a huge boost from a friend who was moving) * We forgot a necessary expense in the original estimate * We had to buy car fluids because one vehicle burned more oil than anticipated * The trip took 9 days total, including 3 non-driving rest days * Our average speed was only 50–55 mph, which stretched the timeline * And “night driving”? That plan died within the first two hours * We never activated our internet because the drive was long, stressful, and exhausting This is the part nobody talks about: planning is useful—but reality is the final editor. If you’re budgeting for a road trip, a cross-country move, or any big lifestyle transition, this episode will help you think in ranges, identify the hidden line items, and build a plan that survives real life... or add buffers for the unexpected. Roswell Photos --> HERE [https://www.facebook.com/CarmelaCrusades/posts/pfbid02dByywupEDGV7Ly4RoBLnV8QvEgEwoExnBpEDvKk5EFKTX3AkEo4GnhyuRmqq55BGl] _________________________________________________________________________________ Questions? Email Tim at debrine9@gmail.com [debrine9@gmail.com] Want FREE weekly market updates, Tim's top 10 dividend picks, and our portfolio updates delivered right to your inbox? Subscribe [https://7d8d938c.sibforms.com/serve/MUIFAC2P1gd1IKcEf6iAVgPoW4CoIe-iQ6EoFIEDr4TJGPPL9wAG7vtXTAJGxScQmvLb8Yo4Z2zLvnIrJ5YrLKIxMNkSqdAdOTYFIrH_50zRx3ZSbIJB-NV0aPsJwwFEuETbFfTnm78yo_QIoAjEg5ley21fpYuMiKGz-UrP4Gql_FVQubzpajSb-4Cape68AgyXRPafNE40GJMn] to our email list. Stay connected. Follow us on social! [https://incomeinvestingnomads.com/contact/] DISCLAIMER Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here [https://incomeinvestingnomads.com/disclaimer/]. Episode music was created using Loudly [https://www.loudly.com/].