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How To Get $10,000 Dividends When I Retire

2026 Roth IRA contribution limit is $7,500 ($625/month) for those below 50, and $8,600 for 50+.

Welcome. Find curated content to make your money grow, show you how and Shop for resources, in one place, powered by AI tools.

Beyond money, our Shop also features a "School of Thought" collection — books on strategy, psychology, and clear thinking, the mental tools behind every good decision. Here are several main paths to grow your money, each with different risk, effort, and time horizons.

Invest in markets Real estate Cash-like investments Business ownership Lending and alternative assets Passive income systems

Here's a tool to help figure out where to start, without reading everything on this page.

Which path is right for me?

Answer three quick questions and get pointed to the section that fits your situation best.

Risk comfort

Time horizon

Hands-on level

Investing in markets

Stocks/ETFs: Buying shares of companies or index funds lets you benefit from long-term market growth and dividends. Low-cost index funds are popular because they're diversified and don't require picking individual winners.
Bonds: Lending money to governments or companies for regular interest payments. Generally lower risk and lower return than stocks.
Retirement accounts (401k, IRA, etc.): Tax-advantaged ways to invest for the long term, often with employer matching if available.

Robinhood

Commission-free stock & ETF trading, easy to start

Open account →

TreasuryDirect

Buy U.S. Treasury bonds directly from the government

Open account →

Betterment

Robo-advisor IRAs, automated retirement investing

Open account →

Success story

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Watch: Chicago teens find success by investing in the stock market →

Takeaway: starting young and staying consistent matters more than picking the "perfect" stock.

Stocks & Funds

Brokerages · 401(k) · index funds

Every major place to open an account, so you can compare fees and features before you pick one.

Fidelity

Brokerage & 401(k) rollovers, zero-fee index funds

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Vanguard

Low-cost index funds, retirement accounts

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Schwab

Full-service brokerage, robo-advisor option

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SoFi

Active/automated investing, no-fee stock & ETF trades

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Coinbase

Buy and hold crypto, beginner-friendly

Open account →

Success story

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Watch: 7 Accounts That Will Make You Rich: I Wish I Knew Sooner →

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Watch: Asking Stock Market Millionaires How They Actually Invest →

Real estate

Rental properties: Buy property and earn rental income plus potential appreciation, though it requires capital, management effort, and carries illiquidity.
REITs (Real Estate Investment Trusts): A way to invest in real estate without owning physical property — more liquid, but still exposed to market swings.

Arrived

Buy shares in individual rental homes, low minimum

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RealtyMogul

Invest in vetted commercial real estate REITs

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From $10 REIT shares to your first rental property — where to start putting money into property.

Fundrise

Real estate crowdfunding, low minimums

Open account →

Roofstock

Buy rental properties, vetted listings

Browse listings →

Cash-like investments

High-yield savings accounts / money market funds: Low risk, modest returns, good for emergency funds or short-term goals.
CDs (Certificates of Deposit): Lock money for a fixed term at a fixed rate — predictable but less flexible.

Ally Bank

Competitive high-yield savings APY, no minimum balance

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Marcus by Goldman Sachs

Range of CD terms, no fees

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Learn more

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Watch: Emergency Funds — How Much You Need & How to Get Started →

Takeaway: aim for 3–6 months of expenses in a high-yield account before investing aggressively elsewhere.

Business ownership

Starting or investing in a business: Higher potential returns but also higher risk and effort. Includes buying into small businesses or franchises.
Angel investing/venture capital: Investing in startups — high risk, high potential reward, generally for those with capital to spare.

BizBuySell

Marketplace to buy an existing small business or franchise

Browse listings →

AngelList

Invest in startups and venture funds

Open account →

Success story

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Watch: Small Business Success Story — Sipping Streams →

Takeaway: small, focused businesses can succeed without huge starting capital if the idea solves a real problem.

Lending & alternative assets

Peer-to-peer lending: Lending directly to individuals/businesses for interest, with credit risk.
Commodities, crypto, collectibles: More speculative, higher volatility.

Prosper

Peer-to-peer lending platform

Open account →

Coinbase

Buy and hold crypto, beginner-friendly

Open account →

Learn more

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Watch: Peer-to-Peer Lending Explained →

Takeaway: P2P lending can pay attractive interest, but you're taking on real credit risk borrower by borrower.

Passive income systems

Dividend-paying stocks or funds: Regular payouts on top of any price appreciation.
Royalties: From creative or intellectual property (books, patents, music).

Vanguard

Dividend-focused index funds

Open account →

SongVest

Invest in music royalties

Open account →

Learn more

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Watch: Dividend Investing & the 4% Rule Explained →

Takeaway: dividend income can supplement or eventually replace a paycheck, but it takes years of reinvesting to build up.