Free worksheet · 8 pages · Investing in Public
Nobody can tell you how to split your money.
Not your favorite YouTuber. Not me. What I can give you is the framework I use on my own portfolio — and the five questions that decide the answer for you.
- Five questions
- About 10 seconds
- Full worksheet free
Score yourself on five questions
Inside
What's in the eight pages
It's a worksheet, not a guide. Every page has something to fill in, circle, or decide.
Cover
Fifteen minutes, a pen, and no one telling you what to buy.
Why there's no universal answer
Why the growth crowd and the dividend crowd are both right.
The DNA assessment
Five factors, scored. Including the one nobody scores honestly.
Your profile
Builder, Balancer, or Counterweight, and what each tends to weight.
The three buckets
What each one does well, and what it costs you.
What I personally hold
A dated snapshot of my own account. Messy version, not the clean one.
Your plan
Your split, your monthly number, and the rules that save you from yourself.
Quarterly tracker
Two years of check-ins on one page.
I am nowhere near living off my dividends. My house isn't paid off, my real estate has real costs, and I'm building a product brand that eats cash fast. Every dollar into inventory is a dollar not buying SCHD. That's a choice I'm making with my eyes open — and it's why I don't talk about this from a beach.
Mikey Moran · Investing in Public
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Keep going
The other two tools I actually use
Build the pile, decide how to split it, then turn it into income. This worksheet is step two.
The First $100,000 Calculator
Put in what you've invested and what you add each month. Get the month you cross six figures.
See your date → Step three · Turn it into incomeThe Dividend Coverage Tracker
See what percentage of your monthly bills your dividends already pay, split by the same three buckets.
Get your Coverage Number → ReadMy 3-bucket portfolio
The Growth, Dividend Growth and High Income buckets I run, and why I run it this way.
Read the post →Not financial advice. This worksheet is for educational and entertainment purposes only and reflects my personal opinions, which may change at any time. I am not a financial advisor, broker, or tax professional, and nothing here is financial, investment, or tax advice or a recommendation to buy or sell any security. Investing involves risk, including the possible loss of principal. Dividends and fund distributions are not guaranteed and can be reduced or eliminated at any time. Any allocation ranges shown are illustrative starting points for your own research, not recommendations. Always do your own research and consult a licensed professional before making any investment decision.