u/BrokeButFunny5

I’m 37 years old and currently hold 452 shares of SCHD.

At this point I don’t even see women anymore. I see expense ratios.

My friends bought sports cars during their midlife crisis.
I bought more SCHD during a 0.7% dip and whispered “generational wealth” while eating Costco hot dogs in my parked Geo Metro.

Every quarter I receive enough dividends to almost emotionally recover from checking my portfolio daily.

Sometimes I stare at my SCHD position and imagine myself at 65 sitting on a porch telling my grandkids:

“You see that juice box?
That was funded by Pepsi exposure.”

My wife asked me if we should diversify more and I almost filed for divorce because SCHD already owns like 100 companies. That IS diversification.

Meanwhile the crypto guys at work are explaining “tokenomics” while I’m over here getting sexually attracted to dividend yield increases.

452 shares at 37.

Will my future self appreciate this level of commitment?

I’ve got an extra $1,500 burning a hole in my account and I’m trying to do the responsible adult thing instead of buying something dumb.

I’m looking at SCHD, DGRO, and WQTM and now I’m overthinking it like I’m picking my college major again.

What’s the smartest way to split this so Future Me can thank Present Me instead of filing a complaint?

Alright Dividend fam, I need some portfolio therapy (and probably a reality check).

I’m 37, not retiring anytime soon, and aiming for at least $500K+ down the road. Trying to balance growth + income, but I’m starting to feel like I accidentally built a “greatest hits of overlapping ETFs” playlist

Here’s what I’m working with right now:

VFIAX – 40.7% (my emotional support index fund)

SCHD – 28.6% (dividends make me feel like I’m doing something right)

DGRO – 13.7% (SCHD’s quieter cousin?)

QQQM – 9.2% (my “I believe in tech” allocation)

O – 7.2% (monthly dividends = dopamine)

DTCR – 0.4% (AI lottery ticket)

ADX – 0.4% (honestly… vibes)

So here’s my dilemma:

Am I being a genius by holding both SCHD and DGRO or am I just paying double for slightly different flavors of the same thing?

Like do these two actually complement each other, or am I just over-diversifying into the same dividend dads?

I’ve been debating:

Cutting back or dropping DGRO

Increasing QQQM for more growth

Possibly cleaning up the tiny “why do I own this” positions

Given my age and goal (growth + income, not retiring soon), does this allocation make sense? Or am I investing like I’m 55 and afraid of volatility?

Be honest roast it, fix it, or tell me I’m overthinking this. Appreciate any input.

As the title says. Anyone who recently passed the RCIS can you share the study material you used. Due to take my exam in a few months.

Thanks in advance.