Thinking about how to turn your savings into steady coffee money in retirement? Some folks are using high-dividend ETFs like SPYD, which pays out about 4.7% a year—think $9,400 on a $200K nest egg. But heads up: these payouts can swing a lot, and you’ll miss out on big tech gains. If you want smoother income, check out funds that focus on reliable dividend growers instead. It’s all about balancing today’s cash with tomorrow’s growth! #Business #Market #retirement