Ep. 138: Crash-Tested Income — Yields That Last vs. Yields That Only Look Like Income

8 sources under one throughline — judge every yield by what actually backs it: (1) our BTCI Forge piece — 33% Bitcoin distribution that's really ~1.62% SEC yield + ROC, ~56% T-bill collateral; (2) 247wallst 4 financials (CINF/TROW/ERIE/RLI) that RAISED dividends through both 2008 and 2020; (3) 247wallst 4 REITs (O/FRT/NNN/WPC) that grew payouts through both crises while most REITs cut; (4) YT CGDV+RSPA two-fund anchor (dividend-growth engine + covered-call income overlay, honest <14mo rally-dependent caveat); (5) YT Altria MO — ~6.3% yield genuinely FCF-covered at its stated 80% target, ROIC >30%, pricing power offsetting volume declines, 4.7% hike; (6) dividends4me 'you don't need to get rich quickly' — patience/strategy/automation mindset; (7) 247wallst SCHD-vs-MAIN asset location (qualified in taxable vs BDC ordinary income in a Roth — real dollar math); (8) highyieldroadmap QQQ-with-income CC ETFs (QQQI/TDAQ/JEPQ/GPIQ/QDTE — yield != total return, QDTE 44% masks price erosion).