Ep #86- Trad Fi- Bursting Your Bubble- (Caterpillar vs. MSTY vs. ULTY)

Send us a textSeason 2, Episode #86. Not Me, But You! Podcast. You can follow me and connect with me on X: at Waypa Today. Today we review Caterpillar stock compared to the ETF's MSTY and ULTY. Cost of one share of Ceterpillar is about $425. Cost of one share of MSTY is between $15 to $17 per share. Cost of one share of ULTY is about $6. Yearly dividend yield on Caterpillar is 1.43%.  The dividend yield per year on MSTY is 166% and the yearly dividend yield on ULTY is 135%. MSTY pays a MONTHLY dividend. ULTY pays a WEEKLY dividend. Caterpillar pays a quarterly dividend. If you invested 4.2 MILLION dollars in Caterpillar then you would receive a yearly dividend of about $60,400 per year. However if you invested $160,000 into MSTY you would recieve $10,000 per MONTH in dividends. Why? Because MSTY pays $1/share per month. Or if you invested $60,000 into ULTY, then you would receive about $1,000 per WEEK in dividends and that works out to be about $4,000 per month in dividends! What this really boils down to is: are you playing the "wealth preservation game" or are you playing the "wealth accumulation game."  People who invest in very PASSIVE stocks like Caterpillar, are trying to avoid risk but by doing that, they are also avoiding high returns! People who are already wealthy (like millionaires and multi milliionaires) are trying NOT to lose money! That's why they select investments like Caterpillar, which is not a bad company at all. I just don't recommend it UNLESS you already havea FULL TIME income in dividends every month. You will work your entire life for "cash flow." So why not CREATE some of your own cash flow by buying/holding assets that pay you a true high yield dividend? On this podcast, we always talk about ROTATING 1/2 of your dividend money into LESS RISKY investments, like: QQQI, SPYI, and CLM. Have courage today, to pick one thing, and work on your dreams. We will talk again soon. I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us a textSeason 2, Episode #85. Not Me, But You! Podcast. Follow and connect with me on X at: Waypa Today. We continue our series on "Bursting Your Bubble" about Traditional Finance stocks. We discuss Visa today. Many people who claim to be "dividend investors" own Visa stock. Is it a dividend stock? Or is it a growth stock that pays a small dividend? Let's run the numbers. Cost of one share: $343/share. Cost of 10,000 shares is $3,400,000. Visa is a great stock for people that are already wealthy that are playing the "wealth preservation" game. Yield for Visa is 0.69% per year. Earn $2.36/share per year. Owning 10,000 shares of Visa will pay you $23,600/year. Dividend schedule: Visa pays quarterly. Cost of one share of MSTY is $15 to $17. Let's use $16 as average cost per share. so cost of 10,000 shares of MSTY is $160,000. MSTY pays ONE DOLLAR per share PER MONTH. It's a montly payer. So you would make $10,000 PER MONTH if you owned 10,000 shares. Dividend yield for MSTY: 166%. They use a covered call option strategy with involved risk. MSTY is a single stock risk fund tied to the stock MSTR> Cost of share of ULTY is between $5 and $7. Let's use $6 as average cost per share. So 10,000 shares would cost $60,000. ULTY pays WEEKLY, between 9 cents and 10 cents/share PER WEEK. So you would make $900 to $1,000 PER WEEK in dividends if you owned 10,000 shares. Monthly income from ULTY would be $3,600 to $4,000 per month. Yearly income: $43,200 to $48,000 per eyar. Dividend yield: 135%. They use a covered call option strategy which involved risk. ULTY invests in about 30 different companies. People often have a romantic day about retirement and they think that magically, things will work out. Do you plan on spending down your principal in retirment? Or living off the interest, the ROI, the dividends? Two long term growth stocks that I invest is are: Tesla and MSTR> I belive BOTH of these stocks will reach $2,000/share in next 8 to 10 years. Tesla is MORE than just an electric car comany. It is an AI play. And MSTR holds over 600,000 Bitcoin on their company balance sheet. I suggest rotating 1/2 of dividends from MSTY/ULTY and rotate into LESS risky assets like QQQI/SPYI/CLM. And take 1/2 of the dividends and invest back into FREE shares of MSTY/ULTY. That lowers your overall cost basis and brings you more dividends per week/month moving forward. Figure out WHY wealthy people invest in the things they invest in. Have courage today, to pick one thing, and work on your dreams. We will talk again soon. I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us a textSeason 2, Episode #84. Not Me, But You! Podcast.  You can connect with me and follow me on X at: Waypa Today. Blue checkmark verified account. We continue our series: Trad Fi (traditional finance) stocks compared/contrasted to high yield ETF's that pay much higher dividends. We discuss investing investing in Coca Cola vs. the true high yield ETF's MSTY and ULTY. Before you invest, determine what game you are playing? Are you playing the "wealth preservation" game or the "wealth accumulation" game? People who invest in a large amount of shares of Coke (symbol: KO)  stock are already wealthy. If you are not already a millionaire, or multi millionaire, you will make MORE weekly/monthly cash flow by investing in MSTY and ULTY. Are MSTY and ULTY risky? YES! But if you AVOID risk, then you are also AVOIDING HIGH RETURNS! Is Coke (KO)  really a "dividend stock?" Answer: No it's actually a growth stock that pays a very small dividend (dividend yield: 3.0% per YEAR- cost for ONE share: $68).  Compare this to MSTY: yield 166% per year. Cost of one share: $15 to $17. Or compared to ULTY: Yield 135% per year. Cost of one share: $5 to $7. At a yield of 3.0% for every share of Coke (KO)  you own, at the end of 12 months: you will get $2.04. Will that extra $2.04 help to make you wealthy?? You don't make MOST of the profit on Coke via the dividend. Instead you make profit on shares of Coke stock via "share price appreciation" and hopefully future stock splits. Simple math: 10,000 shares of Coke (KO)  stock at $68/share will cost you: $680,000. Compared to 10,000 shares of MSTY at $16/share will cost you: $160,000. And compared to ULTY 10,000 shares at $6/share will cost you: $60,000. Take HALF of the dividend money from MSTY/ULTY and ROTATE it into LESS RISKY investments. The other half of the dividend payouts I would use to buy MORE shares of MSTY/ULTY for FREE! ZERO COST basis. Your 680 THOUSAND dollars invested in Coke stock (10,000 shares) will pay you about $20,400 per year. What about dividend yields of MSTY/ULTY? If you own 10,000 shares of MSTY you will get paid $10,000 PER MONTH!! It pays a MONTHLY dividend of $1/share. Will that continue? Who knows. What about ULTY's dividend yield? It pays $0.10/share per WEEK. That's right, it pays a WEEkLY dividend. So 10,000 shares will pay you $1,000 per WEEK or $4,000 per MONTH!  Do your own research! As an investor, understand WHY people do what they do. If Warren Buffett says to invest in a particular stock: that doesn't automatically mean its a great idea for YOU to invest in that stock! Warren Buffett is playing the "wealth preservation" game because he is already wealthy. You're NOT a dividend investor if you are investing in Coke. You are a GROWTH investor who invests  in something that pays a very SMALL dividend. Check out the YouTube channel: Unconventional Wealth Ideas. I only invest in a stock like Coke AFTER I have already created $8,000/month to $10,000/month of CASH FLOW! Have courage today, to pick one thing, and work on your dreams. We will talk again soon. I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us a textSeason 2, Episode #83. Not Me, But You! Podcast. Follow me/connect  on X: at Waypa Today. We continue our series: Trad Fi (traditional finance) stocks compared/contrasted to high yield ETF's that pay much higher dividends. We discuss investing investing in Pepsi vs. the true high yield ETF's MSTY and ULTY. Before you invest, determine what game you are playing? Are you playing the "wealth preservation" game or the "wealth accumulation" game? People who invest in a large amount of shares of Pepsi stock are already wealthy. If you are not already a millionaire, or multi millionaire, you will make MORE weekly/monthly cash flow by investing in MSTY and ULTY. Are MSTY and ULTY risky? YES! But if you AVOID risk, then you are also AVOIDING HIGH RETURNS! Is Pepsi really a "dividend stock?" Answer: No it's actually a growth stock that pays a very small dividend (dividend yield: 3.89% per YEAR- cost for ONE share: $146).  Compare this to MSTY: yield 166% per year. Cost of one share: $15 to $17. Or compared to ULTY: Yield 135% per year. Cost of one share: $5 to $7. At a yield of 3.89% for every share of Pepsi you own, at the end of 12 months: you will get $5.68. Will that extra $5.68 help to make you wealthy?? You don't make MOST of the profit on Pepsi via the dividend. Instead you make profit on shares of Pepsi stock via "share price appreciation" and hopefully future stock splits. Simple math: 10,000 shares of Pepsi stock at $146/share will cost you: $1,460,000. Compared to 10,000 shares of MSTY at $16/share will cost you: $160,000. And compared to ULTY 10,000 shares at $6/share will cost you: $60,000. Take HALF of the dividend money from MSTY/ULTY and ROTATE it into LESS RISKY investments. The other half of the dividend payouts I would use to buy MORE shares of MSTY/ULTY for FREE! ZERO COST basis. Your 1.5 MILLION dollars invested in Pepsi stock (10,000 shares) will pay you about $60,000 per year. What about dividend yields of MSTY/ULTY? If you own 10,000 shares of MSTY you will get paid $10,000 PER MONTH!! It pays a MONTHLY dividend of $1/share. Will that continue? Who knows. What about ULTY's dividend yield? It pays $0.10/share per WEEK. That's right, it pays a WEEkLY dividend. So 10,000 shares will pay you $1,000 per WEEK or $4,000 per MONTH!  Do your own research! As an investor, understand WHY people do what they do. If Warren Buffett says to invest in a particular stock: that doesn't automatically mean its a great idea for YOU to invest in that stock! Warren Buffett is playing the "wealth preservation" game because he is already wealthy. You're NOT a dividend investor if you are investing in Pepsi. You are a GROWTH investor who invests  in something that pays a very SMALL dividend. Check out the YouTube channel: Unconventional Wealth Ideas. I only invest in a stock like Pepsi AFTER I have already created $8,000/month to $10,000/month of CASH FLOW! Have courage today, to pick one thing, and work on your dreams. We will talk again soon.  I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us a textSeason 2, Episode #82. Not Me, But You! Podcast. You can connect with me on X at:  Waypa Today Proctor/Gamble stock is good stock for people who are playing the "wealth preservation" game. But PG stock will cost you about $160 per share. Compared to MSTY which is $15 to $17 per share. Or compared to ULTY which costs between $5 to $7 per share. What about dividend yields? PG dividend yield is 2.64%. MSTY yield is 166%. ULTY yield is 135%. The dividend yields aren't even close! Not even in the same dividend universe. That's because PG is NOT a dividend stock. It is a GROWTH stock where MOST of your ROI will come from "share price appreciation" NOT dividends. IN order to buy 10,000 shares of PG you would need 1.6 MILLION dollars. So if you have that much money already, you ARE already wealthy. But MOST people on planet earth don't have an EXTRA 1.6 MILLION dollars just laying around because they don't know what to do with it!!  How much would 10,000 shares of MSTY cost? Answer: About $160,000. How about ULTY? Cost for 10,000 shares of ULTY... about $60,000. What about dividends paid? MSTY...10,000 shares pays $1 PER SHARE EVERY MONTH! That's $10,000 EVERY month in dividends from MSTY in dividend income. What about ULTY dividend payments?  It typically pays 10 cents/share PER WEEK. It's a WEEKLY payer. 10,000 shares of ULTY pays $1,000 per WEEK or $4,000 per month. That's IF it continues to pay at least 10 cents/share per week. Investing in PG makes sense AFTER you have more than enough cash flow each month to pay your bills PLUS money left over that you don't need to save or live on. Investing in MSTY and ULTY are RISKY. I suggest taking at least HALF of the dividends from these ETF's and put that money into LESS RISKY investments like, QQQI and SPYI.  All of investing presumes you ALREADY HAVE a basic understanding of how INFLATION causes the purchasing power of your cash to DECLINE. Have courage today, to pick one thing, and work on your dreams. We will talk again soon. I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us a text Season 2, Episode #81. Not Me, But You! Podcast. You can follow me on X: at Waypa Today. Wealthy people are playing defense when it comes to their investment strategy. They are ALREADY rich, so they do NOT want to lose money! However, if you are not already wealthy, but trying to become wealthy... then you need to play OFFENSE with your investments. What does that mean? You need to take some addtional risks that will pay you higher yields on your money. Think of the "yield" as "fuel."  But there are different "grades" of fuel. Poor people need "rocket fuel." Wealthy people are using a candle or charcoal or wood...something that burns slower than rocket fuel. If you want to become wealthy, you have to tune out the noise in life. Don't wast time with alleged "gurus" who masquerade as teachers but are really just marketing you something. And realize that people who have a portfolio worth $400,000 or $500,000, then you do NOT CARE if you only get 6% on your money each year! Do simple math: $400K times 0.06 = $24,000 per year. That's an average of $2,000/month. But this person already has a lot of money. Earning only 6%/year doesn't keep pace with the true rate of inflation each year. It doesn't keep pace with the shrinking purchasing power of cash every year. Wealthy people just pay whatever the higher price of any good/service is, because they can afford to pay more. But if you are looking to become wealthy one day...then you need to earn at least 14% on your money every year. And SOME ETF's pay OVER 100% per year. Are they risky? YES they are. But these "risky" ETF's with very high yields, are like "rocket fuel" for your investments. Wealthy people play "wealth preservation." Poor people need to play the "wealth accumulation" game. Take the profits (dividends) from high yield ETF's and invest SOME money back into "FREE" shares of the same ETF, but also ROTATE some of the dividend money into other things...into other less risky investments. Cash flow, cash flow, cash flow is the pathway to wealth. A cool book I have read recently is: "You Can Just Do Things" by Jay Yang. Some cool YouTube channels are: The Retired Lazy Investor and Dividend Compounders With...  The guy who does "dividend compounders" is named Amos. He seems authentic and genuine. He and the Retired Lazy Investor both have videos that talk about ULTY as an investment vehicle for income only. And on Sunday evenings, here is the USA, I like watching "Coopers Thai Adventure" on YouTube. He and a buy named Brooke Schneider, do a live stream on "Money Matters." Great channel and very helpful and knowlegeable people. Perfection is a myth. Just get started today. Even if things are messy, it's still OK. But TAKE ACTION today and start investing or ADD to your existing investments. Build CASH FLOW! Be uncertain, but proceed anyway. Procrastinators don't need more time. They need more COURAGE! Have courage today, to pick one thing, and work on your dreams. We will talk again soon. I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us a textSeason 2, Episode #80. Not Me, But You! Podcast. This podcast is your roadmap to both wealth and freedom. 1) Save your money in Bitcoin. 2) Buy/hold true high yieldl dividend stocks/ETF's that pay you weekly/monthly cash flow. 3) Learn to sell simple options contracts that pay you cash flow by simply pushing buttons on your phone. You can connect with me on X: at Waypa Today...Iron for the body, books for the mind, gratitude for the soul! The book, The Big Print, by Lawrence Lepard, has a quote from Alan Greenspan: "In the absence of the gold standard, there is no way to protect savings from confiscation through inflation. There is no safe store of value." However, there IS a solution. It's called Bitcoin. Bitcoin is rare because it has a fixed supply. Bitcoin is deflationary. It costs less and less Bitcoin to purchase things as Bitcoin continues to reach a new all time high price. Conversely, USD LOSES purchasing power as more and more dollars are printed. So prices rise in the marketplace. College degrees alone, did not make me and my family wealthy. Learning how to buy/hold assets will make you rich. It's your pathway to freedom. Your entire life is centered around receiving cash flow. Examples of cash flow: your paycheck, your Social Security check, your pension check, your retirement check, investment income etc. Real life scenario discussed: If you have debt, what is better? Paying off the debt in one payment, if you can? Or is it better to create weekly/monthly cash flow and use the ADDITIONAL cash flow to pay off your debt at quicker pace? If you choose to use cash flow to pay off debt, then ONCE the debt is paid off completely, you STILL have additional cash flow! What can you do with cash flow? Answer: Anything you want. That's what makes it so valuable. Have courage today, to pick one thing, and work on your dreams. We will talk again soon. I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us a textSeason 2, Episode #79. Not Me, But You! Podcast. Follow me on X at: Waypa Today. This is a blue check mark verified account. This is time sensitive informatiion. I explain how/when I'm cashing out my stacks of crypto. I share  a FREE website that lists 30 indicators that I use as a guide for when it's the right time for me to cash out and walk away. I will be selling 80% to 90% of my ALT coins. I MAY sell a small portion of Bitcoin, INSIDE my Roth IRA. But overall, I'm not planning on selling Bitcoin. I cover some Macro Enconomic factors that are coming in September 2025. I provide a time frame of how "Bull Runs' normaly work in "STAGES.". First Bitcoin runs, then ALT coins usually run up in price. It doesn't always happen simultaneously or in a perfect pattern. Life is MESSY and often unpredictable. It takes, above all else, PATIENCE to be a successful investor. IF it was EASY, then everyone would do it. It's DIFFICULT but do it anyway. This "once in a 4 year opportunity" is something that you can begin building for in the next BEAR market which will likely begin in 2026. But it's often a 4 year strategy where you wait 4 years before you get the chance to cash out BIG. I like to keep things simple and I like "simple math." You don't need to know the defintiion of these market indicators. Just be aware of them: MVRV Z score, Puell Multiple, Pi Cycle Top etc. That is NOT an exhaustive list. But they are some of the more popular market indicators. Use them as a GUIDE, but follow your instincts most of all and be patient and set a RANGE where you will be comfortable cashing out at many different price points.  I believe this to be the BEST strategy for taking profit. We have the FOMC (Fed Reserve Meeting) where on 9/17/25 we expect the Fed Chairman to announce a CUT in interest rates. If this happens, the interest rate cut can help send Bitcoin to a much higher price. Bitcoin is the "market leader" which means it usually acts like a magnet and draws the prices of all ALT coins upward too! Take profit. And keep also building cash flow inside the 3 basic accounts: 1) regular brokerage account, 2) Traditional IRA, and 3) Roth IRA. You will never go broke taking profit, so make sure you cash out. Then don’t look back. Be content with your decision. Don’t second guess the timing of when you chose to take profit. Go enjoy life! Have courage today, to pick one thing, and work on your dreams. We will talk again soon. I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us a textSeason 2, Episode #78. Not Me, But You! Podcast. You can follow me on X at: Waypa Today. I also post there what I'm looking at in terms of new investments and what existing stacks I'm adding to. Whale alert. A "whale" dropped a bunch of Bitcoin on an exchange to purposely manipulate the market price of Bitcoin (and other Alt coins too subsequently). This is what appears to be the case. Of course, I don't know for sure. But IF the "whale" didn't want to cause a market drop, they would have sold their Bitcoin via the OTC desk, instead of the way they did it by selling the Bitcoin on the actual exchange. Many markets are manipulated, but we can still make profit in those markets. Move past the fact that they are manipulated. It all starts with what you tell yourself, is possible. Your mindset is important, no matter what goal you are working to achieve. Do you want to be financially indepdendent? Do the 3 things we talk about: 1) Save your money in Bitcoin. 2) buy/hold true high yield dividend stocks/ETF's that pay you weekly/monthly cash flow. 3) Learn to sell simple option contracts to bring you weekly/monthly cash flow. You can accomplish all three of these things, by simply pushing buttons on your phone! Open 3 types of accounts at your favorite brokerage: 1) Regular brokerage account with access to margin. 2) Traditional IRA.  3) Roth IRA. Then build "cash flowing machines" inside of each of the three accounts! Realize that TIME is your MOST valuable asset. You can only spend time ONCE! And it's gone forever! Have courage today to pick one thing, and work on your dreams. We will talk again soon. I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us a textSeason 2, Episode #77. Not Me, But You! Podcast. Build cash flow. Make this your number one finanical goal. How does retirment work? Typically a "financial custodian" who holds your 401K/403B funds will try to convince you to take a monthly check, which they will "guarantee." Instead, consider taking your entire "ball of cash" and roll it into a Traditional IRA fund that you control. This type of account can be opened at Robinhood, or Charles Schwab or your favorite online brokerage company. Once you have the cash in your traditional IRA, you can invest the money and create MUCH MORE cash flow than you would get "guaranteed" if the financial custodian held onto your pile of cash. If you live in the USA, like I do, then you need to be aware that when filing for and accepting monthy social security checks, you have to be aware of your FRA (full retirement age, as defined by Social Security Administration). If you retire at age 62 and your FRA is age 67, then you can only make at a job where you are issued a W-2 for your employment wages: only can make $23K to $26K PER YEAR! This yearly income limit will be in force until you reach your FRA at which time you can make as much money as you choose. But DIVIDEND income and investment income doe NOT count against your monthly social security check. It is common for traditional finance people to do "sector rotation." What is it? Money gets moved into perceived "safe haven" stocks like: Berkshire Hathaway, Lockheed Martin, Home Depot, and McDonald's stock. These are NOT high yield dividend stocks. But they are stocks that will help to "preserve wealth." Jerome Powell, Fed Reserve Chairman spoke at Jackson Hole, Wyoming. What did he indicate? An interest rate cut MAY be coming on 9/17/25, the next time the FOMC has a meeting. Track this and pay attention. IF Powell begins a series of interest rate cuts next month, then you will stock market prices rise and cypto prices rise. Federal interest rate cuts usually coincide with Gov't printing more fiat money. If you don't like your current life situation then what are you doing today, to change it? Have courage today, to pick one thing, and work on your dreams. We will talk again soon. Follow me on X: at Waypa Today. Blue check mark verified account. I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.