Income investing to fund lifestyle when in school.

Seeking Advice

Financial situation:

I have 500k in growth and another 100k in a Roth IRA and 80k in money markets. So I am looking for an income engine for 200k that I profited from selling a rental property. Buying another property is not in the cards right now.

Graduate school is 3 more years and I am trying to avoid taking plus loans to pay for living expenses when in school, working while in school isn't a great option.

I am looking for advice on my investment strategy. Planning to deploy in 50k chunks.

SCHD20%Dividend growth and long-term appreciation
SPYI15%Monthly income
QQQI10%Additional income and growth exposure
JAAA15%High-quality floating-rate credit
ARDC15%Active multi-sector credit
UTF10%Infrastructure diversification
VNQ10%Broad REIT exposure
CLOZ5%Supplemental income and CLO diversification

Posted Jul 8, 2026, 12:13 PM UTC

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