Hey Guys, When should someone with a relatively small portfolio (e.g., under $10K) start investing in HDIV for monthly income? My thinking is that with a smaller portfolio, the income generated from HDIV would be minimal, so it may make more sense to focus on growth ETFs like XEQT or VFV in the early stages. However, if it still makes sense to include HDIV at this stage, what percentage of the overall portfolio would be reasonable to allocate toward it? Thanks

The Roundhill WeeklyPay™ Universe ETF (WPAY) is undergoing a significant transformation effective after the market close on March 20, 2026. PR Newswire +1 Here are the key details of what happened: - Name and Ticker Change: The fund is being renamed to the Roundhill Top WeeklyPay™ ETF and its ticker symbol is changing from WPAY to TOPW. - Strategy Shift: The fund is pivoting from a broad "universe" strategy to a more focused strategy, targeting WeeklyPay™ ETFs tied to the 25 largest single-stock companies in the U.S. by market capitalization. - Rebalancing Shift: The rebalance schedule is changing from monthly to quarterly. - Reasoning: The changes are designed to improve performance by focusing on mega-cap stocks and addressing previous criticism of the fund's "equal weight" strategy, which was seen as over-weighting smaller, more volatile holdings. - Performance Background: Since its inception in September 2025, the fund struggled with NAV (Net Asset Value) erosion, largely due to high-volatility holdings in its initial portfolio. I've had WPAY since it started. As like most CC ETF's they were hot back then. I was new at investing and was trying different things. I still have WPAY well now its TOPW. From what they are changing I think it might perform better. No longer Equal weighting. I'm going to keep it and watch what happens. The beauty of CC ETF's is you don't really care much for growth just distributions. What are your thoughts on this change. You think it'll perform better or still struggle.

If you've been enjoying the $1M Club, please feel free to leave a review or recommendation below! I will be using all reviews/recommendations to help promote this community and build it faster! Thanks! Let's get this group to 1,000 members in 2026!

Starting in April I will begin uploading a 90 Days workout program and diet for everyone. The workouts can be done with or without weights, so EVERYONE can do them. The diet will only be using food bought from Cotsco, you will actually SAVE money by eating better and losing fat. Let's gooo! I'll be spending the next 2 weeks cleaning up my diet, and slowly getting back into working out. It takes me roughly 2 weeks to get my body used to working out/eating healthy again.

I am building a website that I can update the link in, here's what I have so far: https://garygillx.lovable.app/ I will turn this into an app/interactive website eventually where you can all upload your portfolio's as well, and share them here in the group the same way I am. It's just easier to view. ***NOTE*** This Cash Balance could easily increase by $200k+ in 2026, all depends on how much more cash I feel like allocating, how many ETF's I end up buying etc. ***NOTE*** This is part of my "Retirement Portfolio" so the Priority is Income + some growth.