
Picture this: 1983. A 20-year-old farm boy from East Tennessee walks into a fancy brokerage office with $1,400—his entire life savings—ready to make his first real investment.
The man in the expensive suit looked at that check, smirked, and said: "Son, we don't do business with anyone who doesn't have at least half a million dollars." He did this in the lobby. I never even got to an office.
Then he escorted me to the door.
That humiliation became the best thing that ever happened to my financial future.
Being rejected forced me to educate myself. No brokers. No advisors. No fees eating away at my returns. Just me, my research, and a determination to prove that regular people can build extraordinary wealth through dividends.


❌ Missing high-quality dividend opportunities while they're available
❌ Paying unnecessary fees to advisors who can't beat my DIY results
Click the button above and enter your first name and email address
The newsletter is delivered in your email box every Friday evening for a relaxing weekend read
Enjoy the next four weeks of insight and put it to work for you
After four weeks, you have a chance to keep following my journey for less than 33 cents per day
Privacy Policy
Effective Date: August 1, 2025
Last Updated: August 25, 2025
The "Retired on Dividends" and "Monthly Dough" newsletters respects your privacy and is committed to protecting it through this Privacy Policy. This document explains how we collect, use, and protect your personal information when you subscribe to or use our stock investing newsletters.
By using our Service, you agree to the terms of this Privacy Policy and our Terms of Service.
1. Information We Collect
We collect only the information necessary to provide our Service, including:
Contact Information: Name, email address, billing address.
Payment Information: Processed securely via third-party payment processors. We do not store full credit card numbers.
Account Information: Login credentials, subscription history.
Communications: Emails, customer service requests, or survey responses.
Usage Data: Analytics on how you interact with our website and newsletter (via cookies, tracking pixels, and log files).
2. How We Use Your Information
We use your information to:
Provide, personalize, and improve the Service.
Process payments and manage subscriptions.
Communicate with you about updates, offers, and service changes.
Comply with legal obligations and enforce our Terms of Service.
Protect against fraudulent activity and misuse of our Service.
3. Sharing Your Information
We do not sell or rent your personal information. We may share your information only with:
Service Providers: Payment processors, email delivery services, hosting providers.
Legal Compliance: When required by law, court order, or government request.
Business Transfers: In the event of a merger, sale, or acquisition.
4. Data Security
We implement industry-standard safeguards to protect your information. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.
5. Data Retention
We retain your personal information only for as long as necessary to:
Maintain your subscription account.
Fulfill legal, tax, and accounting obligations.
Resolve disputes and enforce agreements.
6. Refund Policy
Refunds for subscriptions are limited to the unused calendar quarters of your subscription term at the time of cancellation, based on the number of days remaining.
No refunds will be issued for prior billing periods, partial months, or already-delivered content, even if you request deletion of your account and personal data.
7. Your Privacy Rights
Depending on your location, you may have the right to:
Access the personal information we hold about you.
Request corrections or updates to your personal data.
Request deletion of your personal information (subject to our retention obligations).
We will verify your identity before responding to such requests.
8. Cookies & Tracking Technologies
We use cookies, pixels, and similar technologies to:
Improve site performance and newsletter delivery.
Analyze user behavior for service improvements.
Deliver relevant marketing communications.
You can disable cookies in your browser settings, but certain Service features may not function properly.
9. No Financial Advice Disclaimer
All content provided by our Service, including but not limited to newsletter issues, articles, videos, and other materials, is for informational and educational purposes only and reflects personal opinions.
We do not provide personalized financial, investment, legal, or tax advice. You are solely responsible for your investment decisions. Past performance does not guarantee future results.
10. Children’s Privacy
The Service is not intended for individuals under the age of 18. We do not knowingly collect personal information from minors.
11. Changes to This Policy
We may update this Privacy Policy from time to time. Changes will be posted on our website with the updated “Last Updated” date. Continued use of the Service after updates constitutes acceptance of the revised Privacy Policy.
12. Governing Law
This Privacy Policy and any disputes arising under it are governed by the laws of the State of Florida, without regard to conflict-of-law principles.
13. Contact Us
If you have questions about this Privacy Policy or wish to exercise your rights, contact us [email protected]