 Hey, what's up YouTube? It's your boy Zeta CryptoMiner and today I'm gonna bring you a video on how much money Do you need exactly are close to in order to have to make? $100,000 every year from your dividends by the time you retire All right, so YouTube now that we're here, how much money do you need exactly? How much money will you make off your investments if you invest every single month into a Dividends account and how much do you need to make that $100,000 per year? But before we get into that, let's just say you have a dividend account that grows that yields You know, there's some accounts that use 12% there's some accounts that use a little bit as 2.5% But let's just take a AT&T for example that one yields around 7% so let's just go beneath that it's it's kind of easy to build an account that yields 6% Actually, it's not that easy It's kind of tough to build a good account that yields around 6% But it's very doable. It started getting dangerous around the 8 to 12% yield And very conservative for an under so let's just say um a 6% account that you yield 6% dividends on a hundred that up to make $100,000. So in order to make that $100,000 You will put in $100,000 and divide that by 0.06 All right, so you need 1.6 million so 1.6666 million dollars in order to Yield $100,000 in that single year you would need 1.6 million dollars in your account All right, but before we go into calculating Exactly, how much you need to invest every single month? Let's look at how you should calculate. All right, if we go over to seeking alpha The dividend in dividends there are companies that increase their dividends over time and This shows the dividend increase percentage over the years versus the inflation inflation rate of the US dollar Okay, so we scroll all the way down This is how much Over the last 51 years the average is that the dividend yields increase over 5.4% in the stock market This is the average over the last 51 years for so that is a lot of data is just not the last 10 15 years It's the last 51 years so 5.4 in the inflation rate is 4.1 So your dividend yield does outperform the inflation rate of the US dollar So it's 5.4 to 4.1 So you don't have to worry about if I invest a thousand dollars today, but at five with that one thousand dollars be worthless 40 years from now Due to the inflation rate no because your dividend yield does outperform the inflation rate of the US dollar And this is the average is over the last 51 years So I think you'll be doing all right if you invest into the stock market You're not throwing your money down the drain as long as you're making money in your investments All right, so if we're looking at exactly how to calculate this if we go over to the street And let's look at the SP 500 right over the last 20 years The SP 500 has returned a 7.2 percent a year after adding adjusting adjusting for inflation If you only measure the price and change that did not include dividends All right, the SP 500 has a return of 5.2 over the same period All right, if you do if you do not include dividends payments and your analysis You're missing out on 27 point eight percent of the real total return of the SP 500 I saw the stock market has a average of increasing of seven percent a year But that's not including the dividends if you include the dividends. So let's say a 10 t goes up Three percent, but they have a seven percent you you would actually have that seven percent plus the three percent of the Growth of that company add it on so it'll be around 1010 percent. All right, so we take a look they have a great example here about Pepsi Coke Pepsi Coke expected learn time growth of 6.3 percent and the current dividend yield is 2.7 percent, all right, so over the last 20 20 us 10 years over the last 10 years Pepsi Coke has grown 6.3 percent every single year. So the last 10 years Pepsi Coke has grown 6.3 percent every single year and It's current dividend is 2.7 percent. So Your growth of the stock is 6.3 is 6.3 All right, here we go your growth of the stock is 6.3 But you also have a dividend yield of 2.7 percent So your expected return total return is nine percent, okay? So that's how you calculate it So you actually add the growth of the stock market average is seven percent But if you have a dividends account, you have to add in your dividend yield to that growth of the market Because we're going to reinvest that we're not going to pull out our dividend We're going to reinvest our dividends every single month every single quarter We're going to reinvest our dividends. All right, so let's go over to a financial calculator and set our goals for retiring and We said that we needed 1.666666 alright, and Let's say the average rate of the market is seven percent. That's it's been calculated Okay, but let's just say the market slows down for the next 40 years and only have an average return and your return rate of 6% but let's say you have a a dividend account That's not averaging. That's not yielding six percent, but let's just say four percent So all right, so you have your yield of your dividend account is four percent and the average of the and your return rate of your Stocks is six percent. So that will put you at a ten percent And you with ten that will put you at a ten percent right there and your return rate and let's hit calculate All right, there it goes. Yes, so if you're 25 years old you would need to save $314 Every single month to retire at the age of 65 if you're 30 See, I'm under 30 so I could save up to five hundred and twelve dollars every single month with the annual return rate of The stock market have been six percent and I have a dividend yield account that averages four percent So ten percent annual return rate at the age of 30. I will need to save $512 every single month until the age of 65 and when I retire at the age of 65 I should have around 1.6 million dollars in my Robin Hood account and I would be collecting a hundred thousand dollars worth of Dividends in a single year if you're 35 844 dollars a month once you start It's best to start investing early the earlier in the vest earlier that you invest the better and the longer that you wait It's gonna be very very tough to catch up. It's just at the age of 40 You have to save one thousand four hundred dollars a month at the age of 45. You have to save two thousand four hundred and 25 dollars a month in at the age of fifty four thousand dollars three hundred and seventy one dollars a month and If you're star seven get the age of 55 and once you retire at the age of 65 you need to save 8,700 and fifteen dollars a month so If I'm looking at my YouTube algorithm a lot of you guys fit in between the well, it's some 28 you got 20 year old so between the ages of 25 and 40 and if you're 25 Save and invest your 40 I know that number is a lot harder to do to save in a vest one thousand four hundred and twelve dollars a month But you could just do half that in order to Have a dividend yield where you're averaging fifty thousand dollars a month. That is still great You can live off of fifty thousand dollars a month in Texas Maybe not in New York, maybe not in California or in Miami But definitely in Texas and you can have a grand retirement Live laid up on the beach knowing that you're gonna have money coming in every single month But yeah guys, I just wanted to show you how to calculate your annual yield plus your dividend yield and how much money you need to save around every single month in order to Retire off your dividends account and the good thing about dividends account guys is that you're gonna be collecting the hundred thousand dollars But you could also reinvest that and if you reinvest that and pass that on to your children And then your children pass that on to your grandchildren by the time your grandchildren get your dividend portfolio There'll be they're gonna be filthy rich again kids are never gonna have to work a day in their life They don't want to and Bring again by the time your grandchildren bring this and your kids don't mess this up Your grandchildren could be bringing in five hundred thousand dollars a month off your dividends account that you started And that's a great way the that they can remember you and won't ever forget about you But yeah guys, I'm just showing you a quick and easy way on how to calculate this Go ahead down in the comments sections and let me know if you use Robin Hood and if you're and how much money Are you investing into your Robin Hood account? Right now and how old are you if you haven't signed up for Robin Hood yet? The link is down in the description go ahead and leave that thumbs up button and I'm trying to get out more videos every single week It's really tough. I'm really trying to challenge myself to get out three videos a week right now I'm around two videos a week. So I'm gonna What's today? I'm going to try to drop one in two days or so, but yeah other than that This is your boys eat the crypto man, and I'm out