$T Key thing with divvy stocks is time and your amount of initial seed money. The older you get the more seed money needed to get the ball rolling due to less time in order to generate a shit pot of money by the year you want. This applies to any growth fund (VTI) as well. The only way to shortcut this process and generate a shit pot more is to wait till a mega drop happens then drop in a mega load of green during the drop. But the sooner you start/or the more green you drop in the better off you'll be. So T's on sale. Drop in a load. A few shares here and there will not cut it if your in your 30's or 40+. Time is working against you. The more shares you bag now, the more money awaits later.