120 - Conservative, Not Complacent: Quarterly Dividends & Smart Pivots

We’re reporting what our conservative, retirement-style portfolio actually paid in dividends this quarter, how it compares to last quarter, and the pivots we made to keep income on track—without sacrificing principal.

What’s inside:

• Quarter vs. Quarter: Q2 dividends vs Q3 dividends (with timing fixes).
  • Headline: Q2 $4,346 → Q3 $3,952, but adjusted for timing/cuts Q3 would’ve been $4,414.
• Discrepancies explained: Suspensions (QVCGP), cuts (OGN), and weekly/monthly timing shifts that made the raw numbers look worse than the true run-rate.
• Income-first pivots: DRIP off on overvalued cash cows to recoup basis, DRIP on where yields + valuation make sense. Reallocated into defensive dividend growers and select REIT/BDC names with coverage + margin.
• Capital preservation lens: Trimmed risk, avoided chasing yield, and kept position sizes tight to protect principal.
• Playbook for Q4: Cash buffer ready, buy-zones set, and a watchlist for quality dividend growers to scale on dips.

Why watch: 

If you manage a retirement or “sleep-at-night” account, this is the blueprint: stable cash flow now, principal intact later. Next week we cover the high-yield Van Life portfolio and how it complements this one.

>> Q3 Monthly Dividends Spreadsheet <<

*sum missed a line, so totals are different than in podcast. 

>> Portfolio Overvalued and Undervalued Buy Up To Spreadsheet <<

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**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.

Episode music was created using Loudly.

Transcript

Welcome to roaming returns a podcast about generating a passive income with dividend stocks so you can secure your finances and liberate your life. 

Alright team—last episode we ran through the tickers so we don’t have to do that dance again. Today is the results show for our conservative dividend portfolio: what it paid this quarter, how it stacked up against last quarter, where the discrepancies came from, and exactly how we pivoted to keep the income target intact without blowing up capital. Think DRIP toggles, position trims, and reallocations that protected principal while keeping the checks coming. Next week is the wild child—our high-yield ‘Van Life’ portfolio—but today is about dependable income plus capital preservation. Let’s get into the numbers and the moves.

This week, the return of the dividend computations, quarterly dividend breakdown for the portfolio, and we're going to do the retirement one, the retirement one in the next week, which means it's the more conservative portfolio. Next week will be the banner one. That's when we have a hair.
And that's when we have the more high risk, high dividend focus. This one again, as a reminder, for anybody who's like tuning in new, this is the capital preservation focus portfolio. While still trying to get a lot of dividend.
So the, what was the account worth in this one? 178 and it's now at 183. So it went up 5,000 the last quarter. Okay.
And who the hell knows what the way the markets have been. So I mean, that's a, that's like, it's a productive quarter. But you did say, yeah, capital preservation was amazing with this.
We actually, it actually showed a lot of growth. The, the, the, the holdings in this one, like, well, if you didn't listen last week, we went over what we held all the holdings in this one did kind of remarkable given like all the, the turmoil with the tariffs and the policies and everything. Like it didn't really go down.
Like if you pull up that portfolio before we get anything else to go to the notes, the portfolio one, this one, this one, that one, I was just on that one. And if you look here, this is what, like the only one that's actually down is queer tip or QR QVC GP, which like they suspended their dividends. So that of course that went to shit.
So merely went to crap. Otherwise, like, I don't even, is there another one that's under 20% ahh CIVI, but that's like, that'll bounce back. Like I, I, I bolded the ones that were less, like it went down more than 20% and it was like one or two.
Also there was, there was a four UPS, UPS, but that was a bad buy. Your UPS was a bad buy on timing, right? Bad timing for us. But like, that's a really good one.
And LYB, which is the chemical one. That's another one that like, for the, like went down, like, this isn't like this last three months. This is from the year to date return.
So like these aren't quite, but these are all ones that we picked up on the, on the cheap, on the discount, like UPS, LYB and T and target, because like, dude, they're going to be worse. So like, that's what we keep doing. We're kind of remarkably well with the retirement portfolio.
I don't know how, I mean, I just do the valuation, do the metrics. And then I'm like, well, that one's on sales. We'll pick it up.
And like, do you see like, see that? So like LYB is down 21%, but we're up 4% UPS, even then it's down 28%. We're only down we're still beating it by 6% and target down 27%. We're only down 8%.
So like, we're like, we're picking up like really good quality dividend growth stocks when they're super dirt cheap and we're actually doing all right in them and they just are growing. So like this retirement portfolio, like is pretty sick in that regard that it's like preserving her mother's capital while providing some dividends. I'm not as much as on the van life one, but some dividends.
And I'll get into the details of that one. So like, well, the first caveat is last year, like last time we were doing the quarterly report. Remember, I was saying that there's some of these things that are just being there, like not where they're supposed to be.
UAN, HTGC, HTGC. That one's always hard for me. And I always transpose the middle too.
ABR and TRMD all should have been, their dividends should have been placed. Like they should have been like either the month before. So I went back and I revised that in the totals because it like, it makes no sense that you get Hercules dividend on four, seven, 10, and then like three, like it didn't make sense.
So I put it where it's all like, it's equal, equal on the quarter. So like it's like apple to apple. I could have swore he did that before.
I know he talked about it, but he did amazing stuff. But what we did, like last quarter we collected 5,043 in dividends from March through May. From June through August, we collected 3,952 in dividends.
So like that's a really disappointing amount until you go in and you start thinking, well, we lost the $300 we got from QVCGP because they suspended the dividend. We lost 52 extra dollars that we would have got from OGN whenever they cut their dividend. And YMAX was $115 less this quarter than last quarter.
So that doesn't explain the whole picture. So I went back and looked at like HTGC should have actually been reported in February. ABR should have been February and UAN should have been February.
TRMD should have been March. So I went back and I revised that to get that. Oh, look at that.
I told you they should have been in the right months because I first saw this problem as a thing. So you were able to account for like the bigger gap and it was because they were just reported in the wrong months. So if we actually look at that, in March with the revisions, we had $1,599 in dividends.
Once you factor in like the ones being in the wrong months. In April, we had $993.75. Once you do the revision, TRMD goes the month previously. And then in May was $1,753 in dividends.
So that one actually stayed the same. So in June, which was the first month of the quarter, we made a lot less. We only made $1,156 versus the $1,600-ish around there that we made the first month of the last quarter.
In July, we made a little bit more of $1,077 versus the $994 that we made the last quarter of the second month. And in the third month, August, we made about the same as we did the last quarter of the third month of the last quarter, $1,719 versus $1,753. So if we go back and we do the revision, the revised amounts for the dividends or where they're supposed to be, we actually would have had $4,346 for March to May.
And we ended up with $3,952 from June to August. And then if we add in the discrepancies with the QVC and the OGN and the YMAX, we actually would have had $4,414. So those three actually brought us below what we should have been.
Yeah. It sucks that those got cut. But we're $393 less for the quarter, which divided by three wouldn't be as bad.
So the dividends went down a little bit. That's just a long-winded way of saying the dividend payments went down a little bit, which it sucks. Price appreciation happened.
But then there are reasons why, because there was four stocks in the wrong month that we had to put back in the right month. And then there was two stocks that canceled their dividend and one YMAX that we might actually have to get out of in the retirement account, because it's not doing what it's supposed to. I'll show you that in a few minutes.
So with all that said, we actually sold OGN this quarter because it cuts dividend from $0.28 to $0.02. And we sold FATBP, Fat Boy. It's just supposed to prefer to the fat restaurants. They suspended their dividends, so we got out of that.
We did initiate positions in LFGY, LYB, LTC, and TGT. We did initiate four positions and we did sell two. I think the objective of the retirement account is you kind of want to not have this turnover all the time, but sometimes you have to- That still happens.
The markets are crazy right now and that's one of those things you have to change. I'm on window duty. So through nine months, we're sitting at $11,421 in dividends collected for the year so far.
That means we're collecting $1,269 on average each month. And then what we're also going to have in the show notes- Hold on a second. So $1,268 on average each month on how much money? $183.
$183. It's not yielding a lot. It's not near as much as the Van Life one.
This is a conservative- on capital preservation. So then I went through, well, in the show notes, I'll actually have what we normally have where I'll have everything listed in the buy up to point. But as of the 31st of August, JEPQ, MBXG, UAN, Pepsi, PEP, YYY, AFG, Triple M, BTI, NAD, NZF, SBSW, and ADM are all overvalued and they should go to your watch list if you haven't purchased them and you're interested in owning those.
And if not, and you do have them, DRIP goes off? DRIP goes off because they're overvalued. And then again, as of August 31st, Arbor, ABR, Hercules Capital, HTGC, NVDY, the Yieldmax, NVIDIA, YMAX, LFGY, CIBI, BMY, BKH, VALE, EPD, THTA, and UPS are all over 10% under the buy up to price. So they're actually in the buy zone and you should research them further if you're interested in owning them.
Make sure they actually match up with your risk tolerance and your investing style, but those are all undervalued. And if you haven't bought into them, good time to consider them. If not, jump in.
And if you own them already, DRIP needs to be on. Flip it over. Yeah.
And then QVCGP is still a sell if the price ever recovers because we lost so much of principle, like there's no point in selling it now. So if the price ever recovers, I would depend on when you got into it. We got into it and it was like $40, so we're going to have to hold onto it for a while longer.
But if you got into it on the way down, you can probably sell it when it goes up to $10 or $12. We were talking about is it better to cut losses and at a certain point it kind of becomes negligible, so you might as well just see what the hell happens. And since this one technically we're in the... It's a cumulative preferred, so if they ever... If they ever turn it back on, you get... ...reinstate the preferred payments.
You get all the back payments, so that one's in a different category than just one that cuts it and whatever's... And if you've bought SBLK, it's also a sell due to a ridiculous amount of non-dividend payment this year. They paid out a $0.07, a $0.07, and they just announced a $0.05 on a $19 stock, so that's not paying near enough to justify the volatility of a $19 stock, so that one's actually also a sell. That is not on your list here.
It's not. So for the retirement account, what I did is like... Oh, you can share this with them. I'm trying.
You're going a little too fast there, broski. Sorry. So for the retirement account, here's... Over on the far right, you have quarter one, quarter two, quarter three.
All right, so those are the totals. This is like... If you actually have a dividend spreadsheet, this is a good thing to do. You just keep track of the quarterly, or if it's a monthly payer, keep track of the monthly, however you want to break it down, but make sure you have... Monthly gets kind of sketchy because some of these are quarterly payers, so the quarterly at the very least is probably the... If you're going to track anything, that's probably the thing to track, but I like to do the monthly and both.
So if you see all the bolds, all the bolds are the dividend for that quarter was less than the quarter previously. All right. So what we're seeing here is we're seeing that XYLD is... Its dividend's gotten smaller throughout the year, so we're going to have to watch that one.
I actually have to drip off on that one because I don't know what it's doing, so I'm just trying to recover my capital that I dumped into it right now because I don't know if it's going to start doing a yield max type shit where the net starts decaying or whatever, so I'm just going to get my money out as quickly as possible. And then you see the next one down there is SBLK. Do you see how it went from $162 down to $14? Yeah, that's unacceptable.
So that's no good. And then you have YMAX. That was the one that I brought up at the top.
Did you say $114? No, $161. $162. I transposed numbers in my head.
My bad, guys. If you go down to YMAX, you see how it started the first quarter at $600. Now it's at $366, and it's had two quarters of less dividends.
This is another one that I've turned the drip off of, and I'm getting my initial investment out because I don't like that it's getting small. Declining, yeah. And the yield maxes as a whole, for the most part, have suffered from net decline.
They do, but one of the things, if you tuned into our yield max experiment on our YouTube channel, you will know that we actually noticed a correlation with volume increase. So I think what's happening is share dilution, and when there's a lot more shares out there because people are dripping or doing whatever they're doing, they have to pay out a lot more people with whatever they're making, which means you're getting smaller and smaller dividend payouts. And I think that's probably going to be a consistent theme going forward because I think they're starting to just become popular.
If you look at the volume increases, it's pretty obvious. But if you look at what we have- So we are playing it conservative with trying to make sure we prioritize getting the initial investment out instead of reinvesting. Right.
Because this one, I don't think I'll ever get rid of. You see, for nine months, it's dropped $1,300 in dividends. That's ridiculous.
And the same with the XYLD. I probably won't sell it even though the dividend has been kind of shitty in the last six months because we almost have $1,000 in XYLD. We're getting massive dividends from these ones.
So- Initial investment out first, and then you just let them run. Let's scroll down and see if there's any more. I don't remember if there's any more.
You have Nvidia. Nvidia is actually pretty good. YMAG we sold, right? Yeah, we got out of YMAG a while back.
Do we have any other ones? Oh, there we go. TRMD. That's another one that I'm watching that might be a sell soon because the price is depreciating so much.
The dividend went from $200 the first quarter down to $72 the last quarter. It's a variable dividend based on oil prices to begin with, but that's a huge discrepancy. Oil prices have been extremely depressed too.
So you have to factor that in with Trump's whole thing with depressing oil to compensate for the tariffs and all the other stuff he's doing. Yeah, so that's one that may be a sell in quarter four. I'm just watching how things are operating.
So that one, keep your peepers peeled for that. Let's scroll down and see if there's any more. No, and then the bonds are doing fucking fantastic.
Look at the bonds. So now, okay, go to that one there. So here's what we got going on with this one.
We are doing quite well in a lot of ways. JAPQ, I'll never get rid of even though it's overpriced. XYLD, even though I'm bitching about the dividend, we're still up 30% or 25%.
If you're watching the video on this, the bolded ones are the ones that are overvalued. Those are overvalued, turn drip off. What are these red ones? The red ones are undervalued.
Buy them if you do the research and they fit your investing strategy. Shouldn't it be green and the other way around? Well, red is what popped in my head. Okay, Tim's got backwards logic.
But you see like with XYLD, we're up 25%. We're not going to get out of it, but the dividend is being shit. So we're going to get our initial out and then I'll make a determination.
Do we just keep collecting the cash and put it into something else or do we reinvest? I don't know yet. And then you look at some of the bangers, man. Look at Hercules.
Look at MBXG. These things are just like all they do is make. Look at Trinity.
I told you when we talked about trend, Hercules is 168%. We're up in that one. MBXG, which is a close into tech fund, we're up 157%.
And Trinity, we just talked about Trinity last week or the week before. All this fucker does is make money. We're up 159% in Trinity.
We're up 102% in the NVDY. So you can make money in the Yio Max if you implement the correct strategy. I literally just took my initial investment out of the NVDY.
We're up like, again, I was just bitching about Y Max. We're up 47% in Y Max. So you're not going to get out of it.
But like... And I imagine this LFGY one just isn't paid back yet. If we're down 3%. Right now, because we're down and it's down for the year to date, I actually have the drip on accumulating more shares.
And then once... Because I don't think that one's going anywhere. Okay. And once like we get so many shares, I'll turn the drip off and just collect our initial investment and probably like $3,000 it'll take.
Yeah. I mean, we should probably do a new video on the high yielder, especially the Y Max strategy because it's a little convoluted and it depends. And there's a couple of new things now that we've been in it so freaking long.
It's been like three plus years at this point. We've noticed a lot of little tiny things. Like if you factor it in, you can win at Yield Max.
I'm like, yeah, you can. If you go back up to NVDY, we've held that for 26 months. We've collected $31 total in dividends.
What I mean by that is like every time a dividend payment comes out, say it's $0.84, you add it to your total that you've collected. Not the amount of money you made, but the $0.84 goes to what you collected. So we've collected $31 in dividends and our cost basis was $1532.
So like we're like 100% up. Just by doing the whole get your initial out and then just let it do what it's going to do. Y Max, not as good.
But UAN, like that one's dropping some bangers. That one just dropped to $349, which is right above NVDY. That one, I don't know.
That one, that one's very... That one's very volatile. That one, like some weeks it's $80, $78. Some weeks it's $100.
So like if you can't handle the volatility, you should probably stay away from that one. Other than that, I think that'll do it. Like the bottom ones, like all these TGT, LTC, LYB, UPS, SWKS, ADM.
Those are all ones that I've literally just picked up this year on sale. And we got total returns of 27%, 13%, 3%, 2%. We have a negative 22.
But that was the UPS one we said we bought in at the wrong point. THC we bought at the wrong point too. But like I'm not worried about that one because they're just options.
And then our bonds, like if you're interested in the bonds, I know that they're still for sale. You have the Altaria bond, which is doing pretty good. We're up 36.
You got the Milan bond. Oh man, they still are undervalued. What is going on with that? Milan bond, we're up 16%.
And the Nine Energy bond is just something I picked up because it has a 13% yield. So like that one, like any time a bond, even if it's junk bond, is like below half of what it's worth, I'm enticed to buy it. So that's what happened there.
No, we just don't go buy in a frenzy with that small fraction of the portfolio. It's like $2,000. But I'm saying junk, junk bonds, like small portions.
Only whoever put $2,000 into bonds. And like any time they're more than 50% undervalued, I don't care if they're junk bonds for the most part. Like you just do some research on the company.
This one should be fine. But that is pretty much the update on the retirement accounts doing what it's supposed to. Like seriously, the fact that we have a bond that we're up 35% in, it's insane.
The price is appreciated. Like the capital appreciation is occurring slowly, but surely. That's why the tortoise came around.
The dividends could be better. But like for what she holds, the quality stocks that she holds, like this one, next week when you see the van life one, dude, this one is just so far above that one. Yeah, we actually lost value in our portfolio while my mom's retirement account went up.
But our dividends went up. Our dividends went up. While hers came down a little bit just because of those cut dividends and extraneous crap.
Yeah. So that's that. If you have any questions, certainly ask them.
If you have any comments about what I do wrong. Because a lot of people like to point out what I do wrong and stuff. But it works for what I want it to do and what her mom wants it to do.
She wants to actually have income coming in every month. So this probably will be updated when she starts pulling on it. Like we'll actually dump some winners and start putting in more yield maxes, more rec shares and things like that so she can collect some more income.
Well, I just want to make a comment here. If you're looking at this spreadsheet and the total year for dividend income, Tim did make a valid point. This is a conservative portfolio.
So you could go super heavy into the very, very secure dividend growers, the aristocrats and all those. But if you really pay attention to this end of the year column, most of those are only giving you. I'll go down to Triple M. That's a prime example.
$67 for the year. And we have $4,000 in Triple M. What are a couple other ones? Verizon. Ozark right below.
We have $5,000 in Ozark. We've only collected $58, $59 for the year. Verizon, $183.
And we have $7,000 in that one. So the dividend growers. OGN, $108.
We sold that one. VTI is another. So the dividend growers don't pay that much.
So then when you go back over to those little higher yield ones that we were just talking about, I'm going to repeat it again, but JEPQ. We talk about that one all the freaking time. $1,027 for the year in dividends.
And we have $10,000 in that. So that's double. So even half of that is still $500.
We have 10% in that. We're making 10%. But still, you were saying $2,000, $2,000, $4,000.
You said you had $4,000 in those other ones. So even if you drop that down, $500 versus the $67, that's a big difference if you get it closer to apples to apples. XYLD, almost $1,000 for the whole year.
AIPI, we only have $4,000 in, and it's at $661. Okay. So AIPI, exact comparable compared to the $4,000 for the Triple M. $661 versus the $67 of Triple M. That's a huge difference.
So there's a reason why we actually take a percent. What did you call it? 40? The 60-40 rule? 60-40. Is this the 60-40 rule? Does hers actually abide by that? Yeah.
Okay. So let's rehash the 60-40 rule. It was a 60-40 because I know a lot of people- Better than the bonds versus the stocks crowd.
A lot of people, whenever they hear the 60-40 rule, they think it's 60% equity, 40% bonds. I set it up differently where we have 60% equity and 40% ETFs. The bonds, you're never going to make any income from the bonds.
You saw, we've had those bonds forever, and we've only made a couple hundred dollars on them. What you use the bonds for is you actually want to go bond hunting whenever they're undervalued so you can get a 15% return plus your $100 for the year. They're more like a short turnaround, but they're like a growth stock approach.
Bonds don't pay much. But so my 60-40 is 60% equity, which is stocks like ABR, Hercules Capital, and then 40% ETFs, which is AIPI, JEPQ, XYLD. That's how I break that down.
And then we also have a 5% rule where none of the positions can be more than 5% of- The entire portfolio. Yeah, the total portfolio. We do that to cover our butts because you saw what happened with ICON.
You saw what happened with QBC is another really good example. If we would have been more than 5% of that, bad things. What I end up doing is when I have money and I have the 60-40 split, when I put money into triple M, which will take the 60-40 to say I put $4,000 into triple M, I take it to 63.
That means I can put $4,000 into something like XYLD, which will bring it back down to the 60-40 split. This is why I do that. It actually works pretty- I think it works nicely.
It might not be a thing, but I invented it, so it's a thing now. I invented it. But it works really well.
It works really nice. It keeps the risk fairly low. The capital appreciation of this portfolio is actually a thing during this crazy time of the market.
She's down a little bit again because some stuff cut some dividends. She's up 4% for the year so far. I understand that the markets are up 10%, but that's- But because those ones cut dividends, you're making adjustments to the portfolio to try to boost that back up because that's the goal of tracking this over the quarterly period is to see what's happening in real time so that you can make adjustments as needed.
If you actually do a spreadsheet, when I was talking about the spreadsheet, look at this Trinity one here. When you do a spreadsheet, this is what you want to see when it says quarter one, quarter two, quarter three. Quarter one, 127, quarter two, 131, quarter three, 136.
You like that. A little bit uptrend. That's how most dividend growth stocks should perform.
So whenever you put the ETFs because they're variable, you're going to have- All over the place. The shit going crazy. So the variable does suck, but they do tend to pay more.
You like to see when they all three are in order like that. It's super nice. Like a YYY, 149, 153, 158.
That's another one just does its thing. Why more people don't talk about that? YYY? Yeah. I don't know.
We only have $6,000 in that. We've made $400 and then the dividend just keeps- Going up a little bit. A couple of dollars, a dollar a month.
I mean, whatever. But that's- It's like the principal on your mortgage. It's the tortoise.
It's the tortoise. Next week will be the hare. Yeah.
Next week's the one people like because it's fucking chaos. Yeah. So we're going to keep these super short because we did those pre- We did the pre thing.
There's going to be a lot of things on the show now so that you can actually click on and you can see like all these spreadsheets that we have up and everything. That way we're not drowning you with like number freaking salad. Because nobody likes to hear me talk that much.
Especially when you're just slinging out numbers and people are like, what? I'm driving. I don't know what's happening. They all run together and then you got like freaking acronym overwhelm.
I get into that and I'm like, did I transpose numbers? Which stock are we talking about? No clues. Yeah. So all this stuff will be on- So you'll get to see the last three quarters compared.
You can see all these data. I'm going to post the links to the show notes for the breakdowns for a couple of these different- So you can see the individual for each one. We have the Vanguard.
Then we have the drip shares that we're accumulating. I'm going to break them out so that they're- Okay. So then we have the- I'm breaking them out.
So you get, don't get confused. Don't get confused. We have so many spreadsheets.
We don't want to give you any precursors for next week. But we are going to keep these super short for the next two. This one and the, what'd you call it? The van life or the hair portfolio.
The van one. The hair. Because we are in the very tail end of the condo.
Tim's been motivating me. Finally got a bug up his butt. Thank God.
That's a huge bug. And we are tail end. We're at the point where we are going to be starting to pack up and actually moving out.
Exception bugs. We have touch-ups to do. I mean, it's a lot of tedious stuff.
So definitely in the next two weeks. So once we move out, this is going to be different. Yep.
And we'll update you once we actually flesh out the details on it. But we will keep all the good parts for those of you who like what we're doing. But we are going to actually pivot to some cool stuff.
This was a journey to get us to the van. Because anybody can take the same journey to get to the van. And then once we get in the van, it's a different journey with a different purpose.
But we can't launch off anything until we actually get the equity from the condo. So when we get the equity from the condo, we're actually going to do a live session where you guys can actually come on and watch us in real time actually allocating the portfolio. Because nobody likes to work at like 10 o'clock in the morning.
We can do it in the evening. I can't do this. I can't do it.
It has to be when the market's open. Shit. So if anybody wants to spend their lunch with me, let me know.
We'll have a lunch date. Well, we probably should do. I mean, I would imagine most people are in the northeast.
So we'll probably do a lunchtime for freaking Eastern time. But yeah, this journey is almost complete. Like this journey was literally to buying stuff during lunchtime.
It's kind of crap, isn't it? Because it's pulled back like 11. So as long as you get between like 11 and 1.30, it should be good. Because 1.30, it starts to kick up.
And then we'll repost it. So if you can't attend the live. So this journey was from deciding what we wanted to do and how we wanted to fund it up until we started doing it.
And this journey is almost complete. This is like, I think, one or two more. After this one, then we're going to be doing the same.
It's the same thing. Podcast. We're going to be doing cool extra stuff.
Just different stuff. Yeah. So that's the retirement portfolio.
Have a good night. I hope you enjoyed your Labor Day weekend. Last weekend of the summer.
For those of you who do all that herd vacationing. I can't even imagine going to the beach. We went to Home Depot like seven times.
Every time we went there, there was like the party in the parking lot and we were part of the problem. Yeah. I can't even imagine going to the Beats and stuff during Labor Day.
Screw that. We're going to go during September. We're going to go to the Beats.
Beats. So see you guys next week with the van.