November Dividend Income Update

 November has consistently been one of the most rewarding months for dividend growth, and 2025 set a new record. Over the past six years, payouts have climbed from $484.96 in 2020 to an impressive $1,193.82 in 2025, representing nearly a 2.5x increase. This surge reflects both the strength of long-term holdings like ABBV, AAPL, CAT, and BMY, as well as the impact of new positions added in 2025. With a 45% year-over-year jump from 2024 to 2025, November stands out as a clear indicator of how the portfolio has matured and diversified.

Total November Dividends

• 2020: $484.96

• 2021: $596.53 (+23% YoY)

• 2022: $659.24 (+11% YoY)

• 2023: $732.00 (+11% YoY)

• 2024: $821.99 (+12% YoY)

• 2025: $1,193.82 (+45% YoY)

Insight: November dividends have grown nearly 2.5x since 2020, with 2025 showing the largest single-year jump thanks to new holdings and stronger payouts from core positions.

Stock-Level Highlights (November 2025 vs 2024)

• ABBV: +$10.11 (steady pharmaceutical growth)

• AAPL: +$4.36 (consistent tech payouts)

• CAT: +$6.60 (industrial strength)

• BMY: +$7.29 (healthcare leader)

• DE: +$4.58 (steady machinery growth)

• GD: +$3.78 (defense sector resilience)

• SBUX: +$1.35 (consumer growth)

• New Entrants:

  • HOOY ($90.17)

  • PLTY ($48.87)

  • NVDW ($56.17)

  • TSLW ($67.84)

  • WPAY ($38.05)

  • HOOW ($80.33) Together, these added $381.43 to November’s total.

• Decliners: WRK dropped to zero, showing sector volatility.

  
  
  

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graph shows how close we are to hitting the finish line. The warm red/orange fill highlights the steady climb toward financial freedom. Every dividend payout brings us one step closer to achieving the full-year target. 🚀📈

Looking back at 2025, I feel proud seeing $19,283.89 in dividends already collected — that’s 83.92% of my $22,978 goal. It’s more than just numbers; it’s proof that consistent effort and patience are paying off. With only $3,694.11 left to reach the finish line, I’m confident the final stretch will be achieved.

This progress reminds me why I started: building reliable income streams and moving closer to financial freedom. Each payout is a small victory, and together they’re shaping a bigger picture of stability and growth. The journey isn’t over yet, but the momentum is strong — and I’m excited to see this goal fully realized. 🚀📈

My QBTX Trade & How a Stock Split Turned Into a $925 Win

 Every once in a while, an options trade teaches you something new—even after years of trading. My recent QBTX trade did exactly that. What started as a single put sale turned into three separate contracts thanks to a stock split… and somehow it all worked out in my favor.

Here’s the full story.

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📌 How It Started: Selling the $45 Put

Back on August 26, 2025, I opened what looked like a straightforward trade:

• QBTX 12/19/2025 Put @ $45

• Sold to Open

• Premium collected: $10.00

• Cash in hand: $999.95

QBTX had crazy high IV at the time, so selling premium made perfect sense. I honestly didn’t expect the trade to take any weird turns—but markets always find a way.

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📉 Then QBTX Announced a 3-for-1 Stock Split

This is where things got interesting.

Because of the split:

• My 1 single put contract was automatically adjusted into
  3 contracts at a $15 strike

• The OCC handled everything behind the scenes

• My order history showed the changes as OCA / 3S entries

At first glance, it looked like some strange multi-leg order I didn’t place. Then I realized:

Oh… the stock split broke my contract into three.
Everything was still equivalent—the math just changed.

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🔄 Closing the Three Contracts

Fast-forward to December 3, 2025, I decided to close out the trade.

Here’s what I paid to buy back the three $15 puts:

• $0.20 → $20.02

• $0.25 → $25.02

• $0.30 → $30.02

Total cost: $75.06

Pretty cheap considering the premium I originally collected.

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💰 Final Profit (The Part That Actually Matters)

• Premium collected: $999.95

• Cost to close: –$75.06

⭐ Final Profit: $924.89 ⭐

Not bad at all for a trade that took an unexpected detour.

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🎯 What I Learned from This Trade

• Stock splits aren’t a problem for option sellers—the OCC handles everything

• One contract can quietly turn into three, and it's completely normal

• As long as the math stays consistent, the premium stays yours

• In this case, the split actually helped me close everything cheaply

Honestly, this trade was a nice reminder that staying calm and understanding how adjustments work goes a long way. In the end, I walked away with nearly a thousand dollars on a position that morphed mid-way.

And I’ll definitely be keeping an eye on QBTX for future premium setups.