Just to add my 2 cents - QQQI and JEPQ are two non-qualified dividend paying ETFs which return 10 to 14% with some slight risk as the base value will vary with the Nasdaq (but the dividend continues regardless) which will generally go up. Non-qualified means you are taxed at regular rate not dividend rate. But even in a taxable account you still do not have other deductions taken out as you would in regular income. I prefer putting some of my money in these instead of 5% savings accounts.
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