The Journey
$8,000 a month by 50. Tracked in public.
I'm a Singapore civil servant and dad of two. The goal is enough passive income to work on my own terms by 50. Every month I report exactly where I am, including the bad months.
Dividend income · August 2026
35% there
$2,789 / $8,000 a month
+ $5,228 from options on top
Dividends net of 30% US withholding tax
Milestones
✓
$1,000
a month
✓
$2,000
a month
○
$4,000
a month
○
$6,000
a month
○
$8,000
a month
How I count it
- →Dividends count toward the goal. They're shown net of the 30% US withholding tax, because that's what actually lands in my account.
- →Options income is shown separately. It's real money, but it depends on me trading and swings a lot month to month, so I don't count it as passive.
- →Real numbers only. Every figure here comes from my monthly report on Substack and YouTube.
Monthly log
| Month | Dividends (net) | Options | Total |
|---|---|---|---|
| August 2026 | $2,789 | +$5,228 | $8,017 |
Full breakdowns of every month are in my Substack reports and YouTube videos.
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