Hi — Max here.
Portfolio size is interesting. Replacement income is meaningful.
Because the number on the screen doesn’t pay bills. Monthly cash flow does. So here’s the only question that really matters if we’re building freedom: What percentage of our monthly expenses is already covered by dividends? 10%? 30%? 80%?
When that number is clear, progress stops being a feeling and becomes something we can track.
And this is where most investing gets it backwards. People measure success by net worth. We measure success by how much life our portfolio can already fund.
That’s why inside the MaxDividends App we track Replacement Income in real time.
So we can see, at any moment:
what our portfolio pays us this month
what it’s projected to pay next year
and what bill we can realistically remove from our job’s responsibility next
That’s when investing turns into freedom math. Not “maybe someday.” Not “if the market cooperates.” Just a visible number moving upward — month after month — until income replaces effort.
If we’re building a portfolio to support a family, a home, and real peace of mind… this is the metric we want in front of us.
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PS: Portfolio value can drop. Replacement income is the stability we can actually live on.

