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Joel Income Journal

Joel’s Income Journal

Building financial freedom through high-yield ETFs, covered calls, and real income investing

Platform
Substack
PricingFreemiumPublishesTwice weekly
Issues62Founded9 months agoLast Issue12 days ago
Active

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Latest Issues

How a Stable Salary Unlocks a Strategy Most People Think Is Too Risky

A newsletter I follow recently made a bold claim: the real wealth gap between average investors and the elite isn’t stock picks or timing the market. It’s leverage. The wealthy use debt as a multiplier. Everyone else avoids it out of fear —...

12 days ago
4

6 Signs a High-Yield ETF Is a Yield Trap

A 60%, 70%, or even 80% annual distribution rate sounds incredible.

Until you realise one thing:

The yield is not the same as your return.

That is the trap many income investors fall into. The income hits your brokerage account every wee...

23 days ago
2

Start Here: What Joel Income Journal Is About (And Where to Begin)

Welcome. If you’re new here, this post is for you.

I’m Joel — a working adult and a family man in Singapore. I have been working for 20 years and my goal for the next 3-4 years is to build more income streams so that I can ‘retire’ early a...

a month ago
1

April 2026 Full Report: $4,117 - The Complete Breakdown

This is a paid subscriber report. Everything that went into April’s number: every holding, every trade, one expensive lesson, and what I’m doing differently going forward.

Honestly, this month was a tale of two halves. The dividend engine...

a month ago
Paid

I’m Opening a Paid Tier — Here’s Exactly What You Get (And Why Now)

My IBKR Portfolio

When I started this newsletter, I made myself one promise: no hype.

No “this ETF will make you rich” headlines. No fake income screenshots. No get-rich-quick energy. Just a regular working adult in Singapore, showing exa...

a month ago
1
2

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  • Joel’s Income Journal

    I help everyday people grow their income through trading bots and high-yield ETFs — combining automation and smart investing to take the first step toward financial freedom.

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