Peter Pru Podcast Show

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Most investors pick monthly income ETFs by looking at the yield number and stopping there — and that single mistake is why so many people end up in the wrong fund, in the wrong account, with a tax bill that quietly erases the yield advantage they thought they had. This video breaks down seven monthly paying ETFs across three structural categories, explains how each one actually generates income, and covers which account type — Roth IRA versus taxable brokerage — makes each fund work the way it is supposed to. The right fund becomes obvious once you know what phase of investing you are in and where you are holding it.

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Generating $1,000 a month in dividends is real — but the capital required to actually get there is the number most dividend content never shows you, and it is a lot bigger than the thumbnails imply. This video breaks down exactly how much capital you need at each yield level across Realty Income, AT&T, Altria, and JEPI, what the honest trade-off is behind every higher yield number, and why this is a 10 to 20 year building project for most people rather than a two year side hustle. The dream is legitimate — the timeline is just the part nobody wants to talk about.

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SCHD just hit all-time highs and is beating the S&P 500 by nearly 15 percentage points year-to-date — and the question showing up everywhere right now is whether to stop dollar cost averaging at these levels. This video breaks down exactly what has changed at current prices, what has not changed at all, why pausing DCA at a new high is just market timing with a different label, and the one data point from 2026 that is actually worth paying close attention to regardless of what the price is doing. The all-time high is not the signal to watch — the dividend growth trend is.

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VGT has outperformed VOO by nearly 10 percentage points per year over the past decade — and that gap is real, the math is not close, and anyone holding VOO should understand exactly what is driving it and whether it is likely to continue. This video breaks down the honest 10-year return comparison on $100,000 in each fund, what the drawdown reality actually looks like at 54% versus 33%, and why the income and covered call retirement strategy I am building makes VOO the right tool for my specific plan regardless of VGT's total return edge. The answer depends entirely on what the money is actually for and whether a 54% drawdown at the wrong moment is a risk your retirement plan can genuinely absorb.

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Most FIRE portfolio content gives you 8 to 12 funds with complicated rebalancing rules and withdrawal assumptions that break the moment the market stops cooperating — I run three, and each one has a specific job that the others cannot do. This video breaks down exactly why SPY and QQQ are not income plays today but are being built as the foundation for a far out of the money covered call income strategy in retirement, and why SCHD handles the passive income floor in the meantime so no shares ever need to be sold to cover expenses. Three funds, three clear roles, zero redundancy.

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Most retirement plans are built around one assumption — at some point, you start selling shares. This video breaks down why the 4% withdrawal rule creates a real sequence of returns problem, how SCHD's dividend growth has historically outpaced inflation, and why a large portion of retirees collecting qualified dividends may owe zero federal tax on that income. If you can build the position, the never sell strategy solves problems that withdrawal-based retirement plans simply cannot.

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Most people who talk about retirement numbers never get past the compound interest calculators that show a clean $1 million and tell you to safely withdraw 4% a year, completely ignoring what that number actually feels like when you're 65, retired, and trying to navigate 30 years of real-world volatility, taxes, and inflation. In this video, we break down the honest math and psychology behind $1 million, $1.5 million, and $2 million retirement portfolios—incorporating both traditional withdrawal rates and the cash-flow cushion provided by income-generating assets like covered call ETFs. We explore why sequence of returns risk can turn a standard 4% rule into a dangerous trap overnight, how variable monthly payouts require a different kind of budgeting, and why building an income floor that covers your expenses regardless of what the stock market is doing is the true key to financial peace of mind

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When comparing Nasdaq-100 income funds like JEPQ, GPIQ, and QQQI, it's easy to just look at the size of the monthly check and pick the highest yield, but the headline paycheck tells you almost nothing about what the fund is doing to your upside. In this video, we break down how these three popular funds approach covered calls in radically different ways—from JEPQ’s defensive active management and Goldman Sachs’ dynamic, low-cost partial overlay on GPIQ, to QQQI’s heavy options spreads and manufactured yield. We explore how each fund balances income generation against capital appreciation, why a lower-paying fund can actually outperform on total return during a strong tech bull market, and how to choose the right vehicle depending on whether you're building wealth or living off cash flow. I

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Investors love comparing VOO and SCHD over one or five years, but looking exclusively at short-term performance misses the entire point of how these funds are built to compound over a true 20-year horizon. In this video, I run the long-term math on both funds—starting with a $100,000 investment and reinvesting all dividends—to show you where VOO wins on absolute position value versus how SCHD’s compounding dividend growth dramatically wins the income game by year 20. We break down the impact of bear market resilience, inflation adjustments, and tax efficiency to help you decide which fund actually matches your financial goals.

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When a new ETF launches promising double the dividend of SCHD, most investors immediately fixate on the yield without asking what they are giving up to get it. In this video, we break down the mechanics of the YieldMax US Stocks Target Double Distribution ETF (DDDD)—which combines the constituents of the Dow Jones US Dividend 100 Index with a complex, multi-leg options overlay—to see how it actually achieves its 6.35% distribution rate. We analyze the hidden trade-offs, including an expense ratio over 1%, active management drag, and capped upside participation during strong market rallies, comparing it directly to SCHD's proven 14-year track record of low costs and full equity growth. Ultimately, DDDD is an active income tool rather than a true replacement for a long-term compounding engine, proving once again that higher yields always come with more complexity and cost.