I'm Building 6 Income Streams For Retirement. Here's Exactly How.

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1:02With over 30 million pair sold, there are thousands of men out there more comfortable than you. Don't settle for less. Go to TommyJohn.com today for 25% off your first order with code comfort. That's TommyJohn.com code comfort. Tommy John. Comfort. Perfected. So, most people build one income stream for retirement. A paycheck becomes a pension, or a 401k becomes a monthly withdrawal. One source, one pipe, and if that pipe clogs, you literally feel it immediately. I'm not doing that. I'm building six and today, I'm going to walk you through exactly how I think about each and every single one, what it does, why it's in my portfolio, and how they all work together to generate income, whether I'm watching the market or doing something else. This ain't theory. This is literally what I'm actually investing my money into every week. Here's the context. I'm not retired yet, but I'm planning to in the future. One thing I've learned from watching other people do this wrong is that you don't want to figure out your retirement income

2:05after you stopped working. You want to build it while you still have time to adjust. The problem most people run into is that they're entirely dependent on price appreciation. By low sell high, hope the market cooperates. Hope you don't retire in 2008. Look, that's not a plan that's a wish. What I wanted was an income I could control or at least influence regardless of what the broader market is actually doing. Not guaranteed income, nothing works like that, but income that comes from multiple angles so that if one stream slows down, the others are still flowing. There are already a lot of ways to do this. What I landed on uses a combination of income ETFs, dividend growth, options premium and interest, six distinct streams, some are passive, some require a little bit of attention, but together they make up what I call my retirement income architecture. Let me walk you through all six. Before I get into the actual tickers, I want to give you the framework because

3:09this matters more than any of the individual holdings. I think about my retirement portfolio, in three layers. Layer one is the income floor. This is the money I expect to receive on a regular basis monthly or quarterly, just for holding positions. ETF distributions, dividends, it doesn't require me to literally do anything active and it just shows up. Layer two is the options layer. This is where I generate income on top of what I already own. We got our cash secured puts on stocks that I want to own anyway. We got our covered calls on stocks that I'm holding. This requires a little attention, but it's not complicated. Once you understand the mechanics and can you significantly boost the floor that's the income producing layer, and layers three is the backstop. Interest on my collateral, appreciation on positions, I eventually sell them. These aren't income that I count on every month, but they're real and when they show up, they do matter. Listen, the goal is no single layer collapses. My income, if you know, let's say the S&P underperforms.

4:13That's what the six-inch income streams buy you. Redundancy, stability. Let's talk about it. Stream number one, Jeppie. Jeppie is JP Morgan's equity income ETF. It holds a portfolio of large cap US stocks and sells covered call options on the S&P 500 through what are called equity-linked notes. ELNs. The fund passes that options premium to shareholders as monthly distribution. The yield has historically ranged between 6 and 10% depending on the market conditions. Higher volatility tends to mean higher premiums, which means higher distributions. Lower volatility, it obviously compresses it a bit. What I like about Jeppie is that it gives me exposure to the equity market with a built-in income overlay. I don't manage the options myself. The fund literally does it. I just collect the distributions from it. The tradeoff is this. You give up upside. If the market rips, Jeppie won't keep pace with a straight spy. That's the cost of the income. I'm going with that.

5:14Stream number two, Jeppie. Same structure as Jeppie, but Jeppie uses the NASDAQ 100 as its underlying exposure instead of the S&P 500. You're getting large cap tech. Think Apple, Microsoft, and video with a covered call overlay selling against QQQ. Because the NASDAQ is historically more volatile than the S&P, Jeppie tends to produce way higher distributions than Jeppie. It also carries more downside risk in a sell-off. The way I use it, Jeppie and Jeppie together give me income from two different market segments. If tech underperforms, my Jeppie side isn't as affected. If the large cap value lags, Jeppie picks up some slack. Different buckets, similar mechanics. Stream number three, SHD. SHD is different animal. This isn't a covered call fund. This is the Schwab US dividend equity ETF. It holds companies with consistent dividend growth histories, quality businesses that have been paying an increasing dividends for years and years and years. The yield is lower than a

6:19Jeppie or a Jepp Q, typically in that 3-4% range. But SHD also appreciates a value over time in a way that covered call ETFs generally can't. So it's giving me both income and growth potential, which matters for the long game. I think of SHD as the slow and steady piece. It's not exciting, you know, but 20 years of dividend growth compounding quietly in your portfolio. In my opinion, is a very powerful thing. Stream number four, we got our cash secured puts on individual stocks, right? This is where the active work starts to come in a little bit. And this is the core of what I teach at option seller school. A cash secured put means I set aside cash to potentially buy a stock at a price that I've already wanted, you know, to buy it anyway. In exchange for that commitment, though, basically I collect the premium upfront. If the stock stays above my strike price, I keep the premium and I do it again, right? If it drops to my strike, I buy the stock at the price that I already said I was fine owning it, right? I do this on individual stocks I want to own

7:20anyway, right? Think of it like being a landlord who only buys a property at a discount. I name my price. If the market brings it to me great, if not, I still get paid. The income stream depends on the volatility time to expiration. And honestly, how aggressive I want to be on my strikes, but it's real, it's reoccurring income on cash that I'd otherwise be sitting on. Stream number five, we've got our covered calls on individual stock positions. So once I own a stock, whether from, you know, assignment on a cash secured put or from just directly buying 100 shares, I can layer covered calls on top of it. A covered call means I agree to sell my shares at a higher price. The buyer pays me premium for that agreement. If the stock doesn't reach my strike by expiration, I keep the shares and I keep the premium. If it does, I sell the stock at a profit and I start it all over. Together, puts and calls from, you know, what's commonly called the wheel strategy, it's a systematic way to generate income on these individual positions, right? Some months, it

8:21produces a lot, some months less, but the framework stays consistent. Stream number six, interest on collateral and appreciation. This one is simple, but people overlook it. Look, when I sell a cash secured put, I have to hold cash as collateral, right? It backs up my obligation to buy the stock if I'm a side. That cash is sitting my brokerage account. At current interest rate, most brokerages are paying, you know, something meaningful on that cash on, let's say, 4% annualized, you know, in a lot of cases. And it's not a headline, but it's real income on money that I was holding anyway, right? The appreciation piece, right, is when I eventually sell positions at a gain, not every month, not guaranteed, but over time, quality stocks tend to move up. When I trim or exit a position profitably, that capital I can now redeploy into the other five income streams. So here's the big take away. None of these six streams is a magic solution, right? Jepi, you know, won't keep up with spy in a bull market. SCHD won't spike premiums on

9:24puts and calls. They vary widely with volatility. Interest rates, they obviously change. No single stream is reliable enough to stake everything on, let's say, retirement on. But that's exactly why I'm not staking everything on any one of them. What I'm building is a system, a strategy where multiple income streams, they overlap with each other. When one is compressed, saying, you know, low volatility is crushing premiums, dividends are still arriving. When the market is choppy, right, I'm cautious. I'm way more cautious about running puts aggressively. The covered calls on my existing positions are still generating premium. When distributions dip down, right, in a market, my interest income hasn't changed at all. Look, the goal, at least for me, isn't to maximize any of these streams. The goal is to minimize the months where all of the streams are quiet all at the same time. There's also a psychological benefit that I think people really start to underestimate, right? When your retirement income isn't tied entirely to the price performance, when you're not checking your portfolio, you know, every single morning all day long praying

10:29that the market is up, you make way better decisions, calmer decisions. You stop panic selling because you're not desperate for the gains, right? Income oriented portfolios, they tend to behave better in the hands of real people, right, because they've removed some of that anxiety that we feel. So here's how I personally think about this. Look, I'm not trying to outperform the S&P 500, right? That's not my goal. The goal is to generate consistent, diversified income that I don't have to stress about, right? Income that works in good markets and it doesn't completely disappear in bad ones. I also think about what each stream asks of me, right? Jepi, Jepq, SHD, or essentially passive, I check in, but I'm not necessarily trading. The options work puts and calls on individual stocks. Obviously requires more of my attention. Maybe a couple hours a week, right? That's a trade-off, that I'm comfortable with, especially during retirement. It keeps me engaged without, you know, creating a full-time job. And to interest, that's just a feature of holding cash, right? No extra work

11:34required there, right? I don't think, you know, this is the only way to build retirement income, but it's the way that makes sense for how I personally think in my lifestyle, systematic, diversified, no leverage, no gambling, no margin. So that's the six. Jepi, Jepq, SHD for the income floor. We got our cash secured puts and our covered calls for the options, layer, and premiums, interest and appreciation sales as the backstop. You know, and I'd be curious, are any of you already using some of these? Or is this a new framework for you? And here's the other question, what is your biggest concern about building income in retirement, right? Drop in the comments down below. I will read every single one. And if this was useful, I'd really appreciate you hitting that subscribe button and that like button. I put content like out this, content out like this every single day, practical education for someone who's actually building, you know, this portfolio alongside you. And if you're interested in taking this a little bit further, click the first link in the description of today's video. That's our Arc Options workshop. It's about 90 minutes of

12:34training where I go through the entire Arc Options strategy and the entire framework. And at the end, I give you some free bonuses as well. My two premium calculators, as well as my full trade lock template, you'll find that link to register in the link in the description. Springtimes the perfect time to turn the page and refresh your home style. The only problem, it can be expensive. Luckily, there's a better way to shop well-worthy pieces for less. At Bob's discount furniture, Bob's negotiates with manufacturers to get you the best everyday low prices, giving the shopping power back to you. The power to get more style, comfort and quality for less on amazing pieces, like stylish mid-century dining sets made for hosting those big spring branches, pop up sleeper sectionals with all the bells and whistles so you can turn any room into a guest room, and next level Bobo-Pedic mattresses so you can get a great night's rest after you've finished redecorating every room. So, when you're ready to spring into new style, stop into your nearest store or shop online and see how you can get wow-worthy

13:36style for less with Bob's discount furniture. Guys, it's no use putting it off. The best time for an underwear refreshes now. Tommy John underwear is designed for a perfect fit that stays put all day. There's zero shape thanks to four times more stretch than competing brands, and their innovative horizontal quick draw fly is a game changer. With over 30 million pairs sold, there are thousands of men out there more comfortable than you. Don't settle for less. Go to TommyJohn.com today for 25% off your first order with Code Comfort. That's TommyJohn.com Code Comfort. Tommy John. Comfort. Perfected.