HeyJaredJoel Income Journal
Building financial freedom through high-yield ETFs, covered calls, and real income investing
- Indexed issues, last 90 days
- 20
- Latest publication
- Sep 27, 2026
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- Earliest in this view
- Aug 21, 2026
Latest issues
Idle Cash Is a Decision (opens the original)
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I have been a OCBC bank user for decades. But some years back, I can’t remember the exact reason, I opened an account with CIMB banks and keep about S$30,000 into the account.The deposit earned roughly 1%.Nothing extraordinary, it just made me feel safe.Looking back, that feeling was expensive.The safety I thought I was buyingI wanted calm.A balance I could see. A number that did not move with the market. Money that felt protected because it sat in a bank account with my name on it.For a Singapo
I Believe Freedom Is a Better Investing Goal Than Beating the Market (opens the original)
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I used to look at investing the way a lot of people do. Did the account beat the market. Did the chart look smarter than last year. Was the paper wealth big enough to screenshot.Those questions keep you busy. They also point you at the wrong scoreboard.Beating the S&P is a comparison. Freedom, for me, is cash flow. One can look good while the other is still missing.What I mean by freedomI am not talking about a poster. I am not talking about a life I already have.I am a Singapore civil servant,
What My Dividend Income Could Actually Upgrade (opens the original)
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Last night I opened Snowball Analytics. Again.Portfolio estimated monthly income: USD$2,693I stared at the number. Not with a cheer. Not with a spreadsheet victory. With a very practical, very Singaporean thought: “What would this actually do for my daily life?”Because the spreadsheet says one thing. The real world says another. I’m a 47-year-old civil servant with a family, still building toward S$8,000 a month by 2029. I am not financially free. I am not living off the portfolio today. The num
NAIL Jumped 8% Today. I Closed Two Covered Calls for $390 — Then Opened Two More for $496. (opens the original)
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You see your ticker up 8% and you check the covered call first. Not to celebrate — to see how deep in trouble you are.That was NAIL this morning. Up $2.36, at $31.85 by open.Here’s what actually played out, and why today turned out to be one of the cleaner execution days I’ve had on this position in a while.The structureI hold two deep ITM long call anchors on NAIL — a Jan 2027 16C and a Jan 2027 18C, 2 contracts each. I buy the anchor and hold it long. Every 2–3 weeks, I sell a shorter-dated co
What I Have Given Up in 21 Years of Civil Service (opens the original)
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The peak period of the year is when I feel it most.Work piles up. People are waiting on my part before they can do theirs. I do not like owing people, so I rush the deadline. I push my piece through so the next person can follow up. Then I sit with a feeling I hate. Not just the rush. Worse than the rush: I do not believe in the work of that project.I still do it. Civil service runs on parts that have to move, whether or not you believe in the project sitting on your desk. I have learned how to
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