Roaming Returns

129 - Our Twist on Dollar-Cost Averaging to Buy More, Risk Less, and Earn Faster


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Most investors treat Dollar-Cost Averaging (DCA) like gospel — same amount, same time, no questions asked.
We don’t.

This week, we dive into our “Dynamic DCA” strategy — a smarter, more flexible way to lower your cost basis and grow income faster. By knowing our dividend stocks so well, we can turn off DRIP when they’re overvalued and pile in when they dip into buy zones. It’s still incremental, still disciplined — but driven by valuation and timing, not automation.

💡 In this episode we cover:

  • ⚙️ How “Dynamic DCA” works (and why it beats traditional DCA for dividend investors)
  • 💸 The tradeoff between lump-sum investing vs. incremental investing
  • 🕒 Why DCA only smooths volatility if your horizon is 10+ years
  • 📊 10 real examples from our portfolio — THTA, UPS, SPMC, UAN, TGT, LYB, CMG, OZK, ADM & ES — and how Dynamic DCA changed our cost basis
  • 🧠 How we combine value investing, macro awareness, and micro strategies to churn capital and grow monthly income faster
  • 💥 Why “waiting for the perfect price” is a myth — and why cash reserves (like THTA) are your secret weapon

If your goal is to reach monthly income freedom faster, this episode will change how you think about DCA forever.

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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.

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Roaming ReturnsBy Tim & Carmela

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