Why Don't We All Live Off Dividends? My Early Retirement Journey (NVDY)

"In the current investment and financial world, there isn't going to be much of an argument when someone says that dividends are having a moment. While they have long been a smart investment strategy, YieldMax ETFs are helping to give dividend possibilities a pretty giant boost these days. The YieldMax NVDA Option Income Strategy ETF (NYSEARCA:NVDY), for example, has a dividend that currently yields an eye-catching 76.72%."

"All of this conversation has led one Redditor to ask the question of why isn't everyone just living off dividends? Posting in r/dividends, the Redditor is wondering why people with a substantial amount of money to invest aren't creating a strategy that allows them to earn enough through dividends to retire from the workforce. According to this Redditor's understanding, they are wondering why, given that this is a possibility, more people are not taking advantage of dividends and passive income."

"Let's put that question aside for a moment and consider that as of September 2025, this 34-year-old individual is earning around $100,000 annually and investing around $25,000 per year. So far, their investment strategy has yielded returns of around 15%, while also contributing approximately 4% to a pension. The plan, at least right now, is to retire at 56, when they expect to have a monthly income of around $4,300."

Dividend-focused strategies have grown in popularity and new products like YieldMax ETFs have amplified dividend income potential. The YieldMax NVDA Option Income Strategy ETF (NYSEARCA:NVDY) currently yields about 76.72%. A retail investor questioned why more investors do not structure portfolios to live off dividends and whether broad adoption would affect markets. The investor profile: 34 years old, roughly $100,000 annual income, $25,000 annual investments, about 15% returns to date, and roughly 4% pension contributions. The investor plans to retire at 56 with an estimated $4,300 monthly income and is considering tax-driven adjustments now.

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