Most nomads just relocate their hustle—freelancing, content grinding, or trading time for money on the road. We’re Tim & Carmela, the Income Investing Nomads. On Roaming Returns, we break down how to build hybrid income streams—dividends, value investing, strategic flips, and tax-smart strategies—that decouple your time from your income. So you can fund your freedom, travel full time (even in a van), and stop deferring your life. No hype. No one-size-fits-all dogma. Just real numbers, tested ...
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Tim Amp Carmela Podcasts

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114 - We're Not Waiting on the Fed—Here's Where We’re Investing Instead
53:56
53:56
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53:56The macroeconomic landscape just changed—again—and most investors are still trading like it’s 2024. In this episode, we break down the real trends driving markets for the rest of 2025, from inflation pressure to slowing job growth, tariff-driven stagflation risks, and why the Fed’s rate cut dreams may be dead. But we’re not just here to rant about …
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113 - Why You Still Feel Broke Even If You're Making More Money
59:51
59:51
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59:51Why do so many people make more money… and still feel broke? This episode breaks down lifestyle creep—the silent killer of financial independence. We explore how your spending habits inflate with your income, why it’s so hard to notice until it’s too late, and what you can do to stop it before it wrecks your ability to save, invest, or retire. 📈 Fr…
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112 - Why People Overpay for Stocks But Not a House (And What That Says)
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46:00Most people say they'd never overpay for a house—but then turn around and invest in overvalued stocks like it's no big deal. Why? In this episode, we unpack the psychology behind financial inconsistency—and what it says about your ability to build wealth. We cover emotional triggers, risk perception, identity signaling, and why people make strategi…
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111 - Bombs, Fear, and Buying the Dip: The Truth About Geopolitical Selloffs
40:26
40:26
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40:26Is the U.S. bombing Iran the start of a market crash—or the best buying opportunity you’ll see this year? In this episode, we unpack decades of historical data showing how stocks behave during wars and geopolitical conflicts. From the Gulf Wars to Russia-Ukraine, the playbook is almost always the same: an initial drop, followed by double-digit gain…
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110 - Don’t Trust the Headlines: Inflation & Jobs Are Getting Worse
53:18
53:18
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53:18Forget the fluff—this episode unpacks the real story behind the headlines. We dive into the numbers the media won’t tell you: ✅ Inflation’s hiding big jumps in electricity + natural gas, even as energy prices fall. 🚧 The labor market looks solid—until you factor in revisions, revised months ago, and the rise in multiple-job workers. 📉 Consumer sent…
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109 - Every Weekly Dividend ETF Ranked—Which Ones Actually Pay Off
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41:1922 weekly dividend ETFs are now on the market—but not all are created equal. In this deep-dive, we not only compare performance across YieldMax, Roundhill, and Defiance—but we also show you how to use these tools for real financial edge. ✅ Breakdown by index: Russell, NASDAQ, S&P ✅ Full metrics: price return, dividends, total return (1m & 3m) ✅ Str…
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108 - Doubling Down In The Market Chaos Unlocked A 13% Dividend Gain
51:21
51:21
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51:21🔥 Van Life Portfolio – Q2 2025 Update (13% Income Growth Despite Market Drop) This isn’t your grandpa’s dividend portfolio. In this episode, we give a full Q2 breakdown of our high-octane, high-yield “Van Life” portfolio—designed for aggressive income generation, not fragile capital gains. Despite a steep 20% drop in principal (from $110K high to $…
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107 - Minimizing Losses During Market Pullbacks: Conservative Portfolio Update
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34:51The market dropped nearly 15% this spring... but our conservative dividend portfolio? It grew income by almost 10%. In this episode, we walk through our Q2 2025 Retirement Portfolio update—showing how even as the market got wrecked by tariffs, volatility, and policy chaos, we stacked more income, reinvested smarter, and stayed unbothered. We break …
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106 - Now's The Time To Buy Dividend Royalty: Our Top Picks In Every Sector
1:02:10
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1:02:10With Q1 earnings in the rearview, and warnings flashing for Q2 and beyond, we scoured the sectors forecasted to underperform—and uncovered a goldmine of dividend-growing stocks. In this episode, we break down high-quality dividend growers in all 11 sectors—from Energy to Tech to Real Estate—highlighting those with long dividend streaks, strong fund…
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105 - What Q1 Earnings Really Say About 2025 - Don’t Trust the Hype
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51:55As Q1 earnings wrap up, we’re diving deep into what the data is actually telling us about where the economy — and the stock market — are headed next. ✔ 78% of S&P 500 companies beat earnings ✔ EPS growth is up 13.4% YOY ✔ But company guidance is barely trickling in ✔ Consumer sentiment just hit its second worst score ever ✔ And tariffs might not be…
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104 - 10 Ugly Stocks in Our Portfolio — Here’s What the Metrics Say
56:56
56:56
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56:56Are your portfolio losers actually hidden gems—or ticking time bombs? In this episode, we break down the 10 biggest losing stocks in our portfolio to determine if they’re value plays or just value traps. We dig into: ✔️ Dividend Yield ✔️ Revenue Growth ✔️ Net Profit Margin ✔️ EPS & P/E Ratios ✔️ Analyst Price Targets ✔️ Growth Forecasts You’ll hear…
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103 - Why Doing Nothing Could Save Your Portfolio
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52:11Why doing nothing might be the best move for your portfolio right now. In this episode, we dig into action bias — that psychological urge to "do something" when the market tanks — and explain why it can lead to terrible decisions. We cover how action bias shows up in over-trading, panic selling, jumping on fad stocks, and making emotional moves tha…
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102 - The 2 Most Important Financial Moves to Survive 2025
1:02:31
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1:02:31In this episode, we get brutally real about two financial moves you NEED to have locked down right now: budgeting and emergency funds. Markets are shaky, inflation isn’t cooling, consumer sentiment is crashing — and the people who survive this chaos won't be the lucky ones; they’ll be the prepared ones. We break down how to build a real budget that…
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101 - Weekly Dividend ETFs That Might Beat YieldMax? Let’s Talk Roundhill
39:08
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39:08Looking for weekly dividend income ETFs that could outperform YieldMax? In this episode, we break down Roundhill’s new WeeklyPay ETFs—NVW, TSW, AAPW, COIW, and PLTW—and compare them head-to-head with YieldMax equivalents (like NVDY, TSLY, APLY, CONY, and PLTY). We explain: How Roundhill’s ETFs actually work (hint: they hold the underlying stock + s…
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100 - The Market Crashed So We Screened 200+ Stocks for Value
1:03:44
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1:03:44Ready to stop panic scrolling and start buying smart? In this episode, we dive deep into how we find value, even in a market downturn. Because buying in a recession is the key to unlocking wealth. 🔍 We screened hundreds of dividend stocks, REITs, CEFs, BDCs, and preferreds to find the hidden gems - aka quality investments trading at a discount for …
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099 - How to Survive a Bear Market Without Sabotaging Your Portfolio
50:21
50:21
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50:21Are we in a bear market, a correction, or just a panic spiral? We break down exactly what you need to know to not sabotage yourself during a volatile market. With personal losses of 3 years’ worth of gains in just 3 weeks, we know how this feels—and we’ve got the data and strategy to help you stay the course. We cover: 🔹 What actually happens in co…
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098 - Why You Can’t Evaluate REITs Like Regular Stocks
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51:24
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51:24Most investors analyze REITs the wrong way, and it’s costing them. In this episode, we break down the key metrics that we look at when evaluating REITs. Traditional stock metrics like P/E ratios just don’t cut it and AFFO isn't the holy grail. Using Realty Income (O) and Arbor Realty Trust (ABR) as real-world case studies, we cover: ✅ The differenc…
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097 - Is Reinvesting YieldMax Dividends A Mistake? The Data Points To Yes!
46:47
46:47
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46:47Does Investing in YieldMax ETFs Actually Work? The Data Says… So many people say you can’t make money with YieldMax ETFs—but is that true? We pulled the data on TSLY, CRSH, NVDY, DIPS, CONY, and FIAT to put this claim to the test. 🔹 The Experiment: We analyzed six months of dividends, share prices, and reinvestment strategies for both the long and …
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096 - Our High Yield Portfolio Dividend Payouts For Q1 2025
1:27:39
1:27:39
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1:27:39We made a whopping $5,379 the last 3 months on about $99,000 of portfolio value. If the dividends keep coming in like they have this quarter, our high yield portfolio is clocked to make double the amount of dividend yield of the conservative portfolio. (21.7% vs 10.6%) Tim changed up a bunch of stocks because of the economic climate and company per…
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095 - Our Conservative Portfolio Dividend Payouts For Q1 2025
1:09:04
1:09:04
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1:09:04With the market’s in panic mode, this is a great time to show that focusing on dividend payouts and share increases is a much better way to track your portfolio. Not it’s ever changing value. When we recorded, this portfolio was around $173,500 and has dropped significantly with the market downturn. But guess what? None of that affects the $4,600 i…
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094 - The Best Free Resources To Find Stocks To Buy
57:51
57:51
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57:51If you’ve been wondering where Tim finds stocks to invest in, you’ll find out today. No, he doesn’t just pull tickers out of a hat. The investments we talk about come from scouring many resources and then digging further to see if the data meets our investing criteria. You don’t need to sign up for paid resources to replicate his results. You just …
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093 - How I Get Dividend Payouts Every Week Of The Year
48:13
48:13
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48:13What if you could get a dividend every week just like a paycheck instead of waiting months or even quarterly to see any cash flow? There’s a reason that most people don’t stick with investing. Standard approaches take forever to see results, or your portfolio value goes up but then you feel deflated the minute your stocks go back down. One of the k…
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092 - Do Stock Split Returns Outperform the Market?
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44:10You’ve heard us talk about stock splits before when we mentioned getting into Chipotle and Nvidia. Tim noticed that both of these stocks go back to their pre-split price and jumped on the opportunity to gain capital appreciation. That’s money we can roll back into dividend stocks. Talk about a no-brainer, but this sparked an idea. After digging int…
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091 - Earn Big Dividends On Tech & AI With These Unknown ETFs
38:18
38:18
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38:18If YieldMax ETFs seem too risky with their synthetic holdings and NAV erosion, we totally get it. They’re not for everyone. We’ve found a sick alternative that actually holds the stocks they write options on. These yield between 20-30%, which is better than other popular covered call ETFs like JEPI and JEPQ. What’s also amazing is that you get a ba…
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090 - The 60/40 Investing Strategy No Longer Works... Do This Instead
53:35
53:35
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53:35Chances are that you’ve heard about the 60/40 portfolio strategy. If not, it’s a classic way to balance your investments and mitigate the higher risk of stocks in market downturns. History shows that this method has worked pretty good, but with everything else in life, things change. The results of the last 4 years show that the balance has been di…
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089 - 12 Coins We're Holding For 2025's Crypto Rally
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44:27
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44:27We’ve been dropping hints the last few months about how crypto’s going to be on fire in 2025. If you take advantage of this boom, you can X your money many times over. Then those profits can greatly boost the capital you'll have to invest in dividend stocks, which will increase your monthly income. I’m so freaking excited to see what happens this y…
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088 - 20 Reasons Why Your Goals Are Falling Flat And How To Fix Them
38:45
38:45
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38:45Last episode we outlined what a successful goal setting process looks like and all the things that you need to take into consideration. But what happens when you’re struggling to stick to your goal or it’s not working? That means it’s time to troubleshoot to figure out what’s off. Today we’ve got 20 of the biggest reasons that cause goals to fail, …
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087 - Fail-Proof Process To Knock Your Goals Out Of The Park
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49:06If you’ve ever beat yourself up for failing to achieve a goal, then this is for you. Not only is there a process that you need to do, but there’s also a few key things that often get overlooked. And when you skip them, you can bet your sweet ass that you’ll be in a world of pain and frustration. Or worse yet, you’ll lose your motivation and give up…
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086 - How We Use BulletShares To Earn Money Sitting On The Market Sidelines
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44:08
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44:08When investments are overvalued, you need a place to park your cash while you wait. Letting cash sit uninvested means that inflation is slowly draining the purchasing power of your money. You need to be earning 4-5% to counter this hidden factor. But if you move your cash out into a high yield savings, it’s going to take you 3-5 business days befor…
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085 - Is Your Current Comfort More Important Than Becoming Financially Free?
1:12:37
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1:12:37If you aren’t happy with your financial situation but you’re also resistant to getting out of your comfort zone, chances are that you’re not gonna become financially secure anytime soon… if at all. We don’t want that for you, so we’re going to let you in on a little secret. Where you are now is the direct result of what you’ve been doing. Broke peo…
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084 - Our Biggest Stock Screw Ups In 2024 That Cost Us Tons Of Money
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56:56It’s that time of year when we like to review all of our stock decisions to see what we messed up on. And trust me, we had some doozies this year. Wait until you hear these numbers. Wanna See The Charts? --> Watch Episode 84 Here There are 2 reasons we review our trades. #1 It keeps us from becoming arrogant little buttholes. Staying humble keeps y…
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083 - Tim's Market Predictions For 2025 And Our Stock Line Up
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59:45The results of Tim’s 2024 predictions blew us away and spurred us on to get the oracle ball out for 2025. We’re excited to share the 9 areas of the market that we think will perform quite nicely in the upcoming year. Plus there are a few extra companies that should benefit from the economic climate. We’ve got oodles of stock picks to choose from so…
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082 - How to Turn Stock Losses into Tax Wins With Tax Loss Harvesting
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38:37
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38:37We’re always looking for ways to decrease the money coming out of our pockets. Most people think it’s all about cutting things out of your life, but in reality, tax strategy has more to do with keeping your income and becoming wealthy. I know, thinking about taxes used to make me cringe too but when I realized that tax is actually the biggest thing…
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081 - Our High Yield Portfolio's Quarterly Dividend Payouts Update
1:00:57
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1:00:57Today we have the quarterly dividend payout updates for our high yield portfolio plus helpful stock and strategy tidbits along the way. This is an update from episode 67 and 68 that we did back in September. You're definitely going to want to check out how much the income has grown since then. To see us walk through the numbers in real time, click …
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080 - Our Conservative Portfolio's Quarterly Dividend Payouts Update
1:04:39
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1:04:39Today we have the quarterly dividend payout updates for our conservative portfolio plus helpful stock and strategy tidbits along the way. This is an update from episode 69 that we did back on September 24th and you're going to want to check out how much the income has grown since then. To see us walk through the numbers in real time, click here to …
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079 - 2024 Market Prediction Results - Was It A Slam Dunk Or Utter Failure?
30:54
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30:54Remember at the beginning of 2024 when Tim went against the norm by saying he was bullish and made some predictions? Well, you’re gonna want to check out what happened. Today we’re covering what he got right and what didn’t pan out. Also he put the data together for what would have happened to your portfolio if you bought into everything he recomme…
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078 - What To Do About Your Negative Money Scripts
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50:30We’re back to discuss what to do about your negative money scripts. Hopefully, you took the time this past week to ponder yours. If you’re having trouble and want more ideas, check out this resource. It contains a list of many more money scripts and examples of childhood experiences that may have caused them. Awareness is the first step to transfor…
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077 - What The #!$@ Are Money Scripts And Why They're Ruining Your Life
46:17
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46:17Money is more than just a tool for transactions; it’s the lifeblood of our dreams, ambitions, and often, our anxieties. Think about it; your relationship with money shapes everything from the decisions you make daily, to your most profound definitions of success and fulfillment. It’s about more than just dollars and cents; it’s about what those dol…
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076 - How To Position Your Portfolio To Profit For Trump's Presidency
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54:39You might be feeling some kind of way about Trump winning the election, but remember investing is not a place for emotions. Whether you like him or not, the best thing you can do for your portfolio is to figure out how Trump’s presidency is going to impact your investing strategy. Once you understand the policies and mindset of Trump, it’s not that…
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075 - Don't Buy Overpriced Bond Funds, Buy These Instead
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55:54If you’re a dividend investor, you gotta know about preferred stocks, which are similar to bonds, but easier to find and buy. They’re also cheaper than bonds so you can stretch your money further. And since bonds are mostly overpriced right now, you need to pivot. In this episode Tim shows you what he looks for when searching for preferred shares. …
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074 - 3 Stocks You Can Buy Right Now And Hold For A Decade
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45:25Stock picks change pretty often because metrics change all the time. Sometimes we trim our positions and even sell them outright to get into something that’s better valued and more promising. But what if you want a more passive approach? So what can you invest in and hold for the next 5 to 10 years that'll give you good returns? We got you covered.…
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073 - Do You Do This? The #1 Reason That People Impulse Buy
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48:29Imagine you’ve just had a rough week and you’re feeling deprived from the happiness that life’s supposed to have. Something pops in your head that you want but know you shouldn’t let yourself indulge in. Then you find yourself thinking about how hard you worked all week and that you deserve to have what you want. So you go out of your way to make t…
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072 - What's Your Financial Intelligence Score And How It Rank Among Others
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43:12I think we can all agree that there’d be a correlation between financial smarts and a person’s financial well-being. That just makes sense, right? So now how would you rate your financial intelligence? Do you know you have more to learn or think you’ve got it all figured out? Maybe you know more about certain topics but aren’t so great at others. M…
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071 - 9 Stocks That Could Be The Next Amazon (Or 3X At Least!)
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38:24As you know, we’re not just dividend investors. We’re also value investors, which means we buy great stocks when they’re at a bargain. These often turn over 10, 20, and sometimes 30% gains in short periods of time. But you may not know that we also keep our ear to the ground for things like the next Amazon. Cuz, who wouldn’t want a stock that goes …
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070 - 1 Year Of YieldMax ETF Performance And How We Reduce Their Risk To Zero
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45:17More and more people are learning about Yieldmax ETFs. We couldn't pass up experimenting because of the high yields these kick off. Yes, these ETFs are sensational but they can be quite risky if you get into the wrong ones or at the wrong price. We're sure you've seen the TSLY horror stories. We took the plunge over a year ago and have been in them…
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069 - How Much Monthly Income Can You Make With A Conservative Dividend Portfolio
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49:44We just covered our dividend payouts for our more aggressive portfolio, but if you want more security, you should go the conservative route. So how much can you expect to earn if you want more safety? More than most think is possible. We'll show you today what that looks like. If neither approach fits, you can implement a hybrid of the two. The bea…
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068 - August Dividend Earnings Part 2: ETFs (Including YieldMax)
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34:06We’re back with our ETF income for August. Many of these funds have ridiculously high yields, which is how we earn a hefty sum on our under $100k portfolio. So without further adoo, lets get back to the party. Tune in for some important tidbits on many of the stocks we hold. Then check out our spreadsheet here so the numbers really sink in for what…
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067 - August Dividend Earnings On Just $97K Part 1: The Stocks
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35:20We’ve been talking about which stocks are good and how much they pay per share. Our profits have been in terms of percentages and yields. But our whole strategy is about getting paid monthly dividends. So today we want to show you how much actual income our portfolio made last month on just $97,000. Tune in for some important tidbits on many of the…
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066 - Which Of The Experts Top 5 REITs Hold Up When You Dig Into The Metrics
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43:52If you’re like us, you’d rather let someone else deal with all the admin, headaches, and hassles of owning and managing real estate. REITs allow you to do just that and reap the profits. Talk about a win win. There’s so many different kinds of REITs from traditional rentals to office spaces, industrial, cell towers and even cannabis. With interest …
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065 - The Top 5 Ranked BDCs According To The Experts
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41:49With interest rates about to drop. 1 of our favorite sectors should do well despite what people think. That sector is BDCs. There are about 60 of these bad boys, but which do you choose? We’ve compiled a list of 5 BDCs that most experts and successful investors would put in their top 10. If you want some of the highest yielding companies in your po…
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