The Retirement Strategy I'm Building Before 55 | Cash-Flow Wedge Update

🚨 Can this portfolio help me retire at 55? That's exactly what I'm trying to find out. Welcome back to another Cash-Flow Wedge update! This is the portfolio I'm building to create reliable passive income before I fully retire, while also growing a dedicated cash reserve to weather market downturns and take advantage of future buying opportunities. This month, I'll show you exactly where the portfolio stands, how much income it generated, and the changes I'm making to strengthen my retirement plan. In this video you'll see: 💰 My Income Factory portfolio and why I own each ETF: ✔️ LBS ✔️ PAYG ✔️ CMCL ✔️ HHLE ✔️ ECHI 📈 My July 2026 distributions and how much passive income these ETFs generated. 💵 My realized capital gains and how they contribute to my overall cash-flow strategy. 🏦 The Cash Wedge portion of the portfolio, including HSAV and SPLT, and why I'm building this cash position before retirement. Whether you're investing for financial freedom, early retirement, passive income, dividend income, or long-term wealth, this series gives you a transparent look at my real portfolio—wins, mistakes, income, and strategy. If you're interested in: Canadian ETFs Passive income investing Dividend investing Retirement planning Covered call ETFs Monthly income portfolios Financial independence ...you're in the right place! 👍 Subscribe for monthly portfolio updates, passive income strategies, ETF reviews, and honest discussions about building a retirement portfolio that pays you month after month. 👇 Question for you: Are you building a cash reserve before retirement, or staying fully invested? Let me know in the comments! Disclaimer: I am not a financial advisor, and this is not financial advice. This channel documents my personal investing journey for entertainment and educational purposes only. Always do your own research and consult a qualified financial professional before making investment decisions. If you enjoy dividend investing, ETF investing, cov

Added 23 Jul 2026