How to receive at least 16 effortless income payments a year — for life.

The Little-Known
3a Income Stream
That Could Pay You Up
to $5,038 Every Month

No matter your age, income level, or investing experience . . . this plan can
help you retire in 10 years instead of 20, 30, or even 40 years from now.

Dear Reader,

Hi, my name is Bill Spetrino.

And today I want to reveal an unheralded investment plan I discovered years ago, one that holds the secret to a cash-rich retirement. It’s also the exact plan I used to retire at the age of 42.

And I have complete confidence it can work for you no matter your age, income level, or investing experience.

I say that because when I discovered this plan, I had just started out investing, so I knew very little. And I was only making $45,000 per year, so my income was modest.

But with this plan, I was able to retire a millionaire.

If I can do it, so you can you.

And in the next few minutes I’ll show you how in a few short years you could have a sizable nest egg set aside for your retirement.

After years of hard work, you’ll have the freedom to:

Travel — and see the world . . .

Enjoy the peace and quiet while fishing . . .

Have fun golfing with friends . . .

Start that restoration project you always wished you had time for . . .

Or just spend your days spoiling your grandkids.

All while having as much as $5,000 effortlessly coming in each month to pay for it all.

Yes . . . the good life.

It’s something we all dream of . . .

But for most retirees and near-retirees, sadly it’s a pipe dream.

And that’s a shame.

That’s because so few people know about an unheralded investing plan hiding in plain sight that could help most people attain this dream.

So let me ask about you . . .

How does your retirement plan look today?

It wouldn’t surprise me if you told me you have night sweats worrying about another stock market collapse.

Or that you cringe whenever you check your savings account balance because it shows that you don’t have as much money as you had hoped.

For tens of millions of baby boomers, the math doesn’t look good.

Don’t you wish you could get a break?

You’re not alone.

According to an article in the Chicago Tribune, half of American households with people age 55 and older have no retirement savings. Absolutely nothing.

They’re not the only ones reporting that.

Listen to this . . .

An article in The Washington Post says that only 18% of Americans expect to have a traditional retirement, like the kind we all want.

Most of the respondents say they’ll be forced to work well into old age.

But past age 50, well-paying job prospects are bleak.

Forbes ran an article titled, “11 Sneaky Ways Companies Get Rid of Older Workers.”

The Dallas Morning News had this headline: “Older Workers Face Being Left Behind in Today’s Work Force.”

And The Washington Post ran this article: “Losing a Job Is Always Terrible. For Workers Over 50, It’s Worse.”

That said, the truth is, most people’s so-called golden years of easy living will be anything but.

Instead of golf or tennis with friends followed by a nice dinner out . . .

It’ll play out more like this:

Employed at Walmart, chasing shopping carts in the parking lot.

Feeling tired, achy, and blue, yet forced to work teenager jobs for teenager wages.

Shopping at the Goodwill store.

Meals of ramen noodles, rice, and beans.

And asking the kids for financial help.

I don’t intend to scare you. Not at all.

But according to financial psychology — which studies the way we make decisions with our money — most people believe money will magically appear. Somehow.

But it won’t.

Not unless you have a realistic plan to fund your retirement.

One that’s different from traditional IRA and 401(k) accounts.

One that takes a different route from the investing strategies you’ve been told to follow all your life.

One that weathers the worst storms of Wall Street.

Like the one that happened in December 2018, when the Dow fell more than 350 points six times in just 10 days, capped off by a massive 653-point plunge on Christmas Eve.

The good news is, pinching pennies like some old miser — and working at Walmart — doesn’t have to be in the cards for you.

That’s because there’s an unheralded investing plan that could more than cover your living expenses.

One that could effortlessly pay you as much as five grand a month in income.

Without any strings attached.

It’s possible with something called the “ 3a Income Stream.”

And when I show you how it works, I believe it could become the game-changer you’ve been searching for.

16 Big Income Payments a Year Deposited
Directly Into Your Account

Here — take a look and see how it’s funding the retirement of these folks:

Scott P., a resident of New York City, is paid $1,486.48 every 30 days.

William H., an Indianapolis resident, pockets monthly payments in the amount of $3,996.89.

He’s not the only one receiving a hefty income.

There’s Alan A., who lives in Tulsa, Oklahoma. He gets $5,038.84 monthly.

Today I’ll show you how to get checks like this sent directly to your mailbox.

And it’s even possible you could be paid more.

A whole lot more.

Take a look:

Another New Yorker, Mike N., opens his mailbox every month to find a check in the amount of $29,084.61.

And on rare occasions, some people make as much as Michael G., a Dallas-area resident, who receives monthly payments in the amount of $36,893.34.

With income flowing in like that, you could live like a king.

But here’s the interesting part:

If you take action now, the first payment could arrive starting in as little as three weeks.

In fact, you could receive over 16 checks throughout the year.

That could mean no more sleepless nights, worrying about your retirement.

Instead, you will . . .

Sleep Peacefully No Matter What
Is Going On in the Economy

And it doesn’t matter if we are experiencing a good or bad stock market.

People who take advantage of the 3a Income Stream see the money flow in during good economic times without interruption.

That should be obvious.

But it’s true during bad economic times, too.

Checks arrive on time, without interruption.

Take, for instance, when the market tanked 777 points on September 29, 2008. That’s when the Great Recession kicked into high gear and lasted till June 2009.

Ronald W., a Richmond, Virginia, resident, was in on this 9a Income Stream and he was still collecting $6,740 a month even as the stock market collapsed.

It doesn’t matter if the unemployment rate is climbing or falling.

Investors who know about the 3a Income Stream still get paid without missing a beat.

Just like James D., who collects $2,676 monthly.

It doesn’t matter what China — the second largest economy in the world — does, either.

On August 21, 2015, the Dow gave up 531 points from China’s currency manipulation. That was the eighth-largest drop in stock market history.

Despite that mess, James C., a Dallas-area resident, continued to collect his 3a Income Stream dividends totaling $3,382 per month.

My point?

Lots of investors got wiped out in 2000 and 2008 . . . and even more took a big hit in December 2018.

And it’s taken them years to recoup their losses.

Leaving them dazed and confused . . . wondering if they should even be in the market.

But if you know about the 3a Income Stream, you don’t have to worry about the economy or Wall Street’s dramatic swings.

You can get on with your life and enjoy it to the fullest.

Knowing you’ll still be paid . . . no matter what happens in the economy or on Wall Street.

But there’s another reason why the 3a Income Stream is exciting.

This one will really get your blood pumping.

That’s because with a simple modification, the 3a Income Stream could pay you over a million dollars.

Now, as incredible as that sounds, when I show you how it’s done it’ll make perfect sense to you.

But before I show you how to do this, let me tell you a little more about me, and how the 3a Income Stream changed my life.

How a Poor Boy From Cleveland Became a Millionaire and Why You Could Too

As I mentioned at the beginning, my name is Bill Spetrino.

Probably the first thing you should know about me is that I’m not a Wall Street insider.

My story is really simple.

I graduated from John Carroll University and became a certified public accountant.

But after I got my first job I began to realize that working for somebody else wasn’t something I wanted to do for another 45 days, let alone another 45 years of my life.

That’s when I decided to find a way out of the rat race.

So I started to read every book about investing I could get my hands on and studied the best investors in the world.

And boy did it pay off.

That’s because I learned about an unheralded investing plan that empowered me to retire early. At age 42.

With more than a million dollars in my account.

Today my stock portfolio is worth around $27 million.

It wasn’t by socking large sums of money into my 401(k).

It wasn’t by betting on the next sexy tech stock.

It wasn’t by day-trading.

It wasn’t with penny stocks.

It wasn’t by settling for the paltry returns that bonds, CDs, or money-market funds pay out.

What I did was safer, easier, and more lucrative.

Once I met my retirement financial goals, I didn’t go out and buy a Rolls Royce, a huge new house, or a fancy boat.


My lifestyle remained the same.

Debt-free and low-key.

I’m a happily married man of 30 years and a doting father.

I prefer to live a life of simplicity in the suburbs, residing in a 2,100-square-foot home just outside of Cleveland.

What’s important to me is I can spend my time however I choose.

For example, if I want to eat lunch with my daughter at her college, I can.

Likewise, if I want to enjoy a round of golf during the day — I can.

There’s no need for me to report to an office anymore.

And there’s no more worrying about money.

Those days are gone for good.

The wealth I’ve built up continues to grow whether the economy is good or bad.

Financially, I’m set for life.

However, what’s really important to me is that I share with you how you can achieve the same thing.

It’s incredibly simple, and to date, I have shown more than 80,000 people how to follow in my footsteps.

Here’s what a few of them have to say:

Earlier, I showed you that it’s possible to get sizable payments credited to your account every month.

And how they could be for as much as $5,000.

You can use those monthly dividend checks to:

  • Pay bills.
  • Pad your retirement account.
  • Pay off your mortgage.
  • Or help pay for your children’s or grandchildren’s education.

The possibilities are exciting to ponder.

Here’s something else . . .

The money the 3a Income Stream pays you can even lower your taxes!

I’ll tell you more about that later.

The Secret of How the 3a Income Stream
Generates Instant Paydays for Investors

First, it only makes sense now to explain what exactly the 3a Income Stream is.

For starters, this isn’t some investment trick.

Nor is it a secret class of investments.

It’s something the mainstream media rarely talks about because — put bluntly — it’s not sexy like stocks such as Google, Tesla, or Facebook.

Watching a stock’s share price go up or down is what hooks viewers.

But this isn’t about risky bets on high-flying stocks.

So, without media attention, this 3a Income Stream stays hidden in plain view of millions of Americans.

And that’s too bad.

But let me share with you how it works . . .

Every year, when it’s time to do your taxes, either you or your tax preparer comes across a section on the 1040 tax return form that’s titled “Income.”

Line 3a in that section says, “Qualified dividends. Attach schedule B if required.”

To the right, on 3b, it says, “Ordinary dividends.”

This is something most people glance over without giving it much thought.

But it holds the key to retiring with a seven-figure nest egg, just like I did.

This particular section of the 1040 tax form refers to dividend payments that you may have received from various stocks you own.

And that’s why I call it the “3a Income Stream.”

Now with my help, and by using the 3a Income Stream, you can add big numbers to those sections in the next few years — signaling your retirement is fully funded.

By the way, in case you’re not familiar with dividend stocks, here’s what they are:

These are companies that pay people who own their stock a portion of their company’s earnings.

And that comes in the form of dividend payments which may be paid out monthly, quarterly, or annually.

Let’s look at an example of how this works . . .

Suppose that Company A pays out a 5% dividend every year (what’s called an annual yield). And you have $10,000 invested in this company.

The annual yield of 5% multiplied by your investment of $10,000 would amount to $500 in dividends paid to you, the shareholder, each year.

If this company pays its dividends every quarter (as most companies do), you would receive a check for $125 four times a year. It’s truly effortless income.

  • No punching in a time clock to earn it.
  • No running a business to generate it.
  • No worries about Jerome Powell and the Fed’s interest rate policies affecting it.

If you think about it, it’s amazing that you can get companies to pay you for owning their stock.

It’s why companies that pay dividends are considered financially stable.

Some companies also steadily raise the dividend they pay to shareholders.

If you hold the right companies, you could see your dividend checks grow bigger over the years without doing anything extra on your end.

And here’s another thing . . .

Even When the Share Price of One of These Companies Drops, the Dividend Will Still Get Paid

That’s music to the ears of any investor who simply wants reliable income no matter what Wall Street may be doing.

But it gets better.

Earlier I mentioned that there is a simple modification you can make to your 3a Income Stream that could result in it paying you over $1 million.

It all has to do with taking advantage of the power of compounding.

In the case of dividends . . . dividend compounding is done when your dividend payments are reinvested to purchase more shares of stock.

It becomes a snowball effect.

The more shares that your dividends buy, the more dividends that are paid to you.

Here, let me show you.

Let’s say you start with a $40,000 investment. And for 10 years, you reinvest your dividends right back into the 3a Income Stream.

At the end of that 10 years, your $40,000 would grow to $92,582.56.

And if you reinvested your dividends for 20 years, your nest egg would be worth $396,868.88.

And if you reinvested your dividends for 30 years, your nest egg would be worth an incredible $4,694,827.

That would make you a member of the seven-figure club.

Imagine what that could mean for your golden years.

Your debts paid off.

You could splurge a little.

Get an RV and take a road trip across the U.S.A.

Imagine what money like this could mean for your loved ones — your kids, your grandkids, even your great-grandkids.

You could really make a mark on this world by donating to the charities you care most about.

I want to bring you back to an important point here.

Notice that this kind of wealth is possible just from a one-time investment of $40,000.

However, there’s no minimum or maximum to invest. What you invest is completely up to you.

Similarly, you may not want to wait 20 or 30 years — or even 10 for that matter.

And that’s OK.

Simply by investing a little more here and there, your monthly checks will grow bigger over time.

But here’s why reinvesting even some of your dividends is so important . . .

According to research from the International Strategy and Investment Group, 53.8% of the wealth generated in the stock market since 1930 can be attributed to reinvested dividends.

So here’s how this looks in a simple example.

Suppose you put $1,000 into the S&P 500 in 1990. And assuming you get an average annual return of 8% . . . your $1,000 would grow to $8,957.77 by the end of 2019.

But if you put the same $1,000 into the S&P 500 in 1990 . . . and reinvested the dividends you received along the way . . . your $1,000 grows to an impressive $33,417.59.

That’s a nest egg almost four times larger, just by collecting and reinvesting your dividends.

See how much money is being left on the table when you chase after high-flying stocks that don’t pay dividends?

By investing in dividend stocks, and reinvesting those dividends, you can accumulate vastly greater wealth.

The good news is it’s easy to do.

You don’t have to manually take your dividend checks and reinvest them to get more shares.

All it takes is a click of the mouse in your brokerage account or a simple phone call and your dividends will be automatically reinvested for you by the company.

So there’s no extra effort on your part.

As if that wasn’t good enough, there’s another advantage with dividend stocks . . . one that I alluded to earlier.

They Could Even Lower Your Taxes

You could save a bundle in taxes.

Here’s why.

There are two classifications of dividends.

The first is what’s called ordinary dividends. They’re taxed as regular income.

This means the dividends you receive are taxed at your normal tax rate — depending on which of the seven tax brackets you fall into.

So, if you are in the 32% tax bracket, your dividends are taxed at 32%.

However, the second classification, called qualified dividends, are taxed as capital gains.

These are the dividend payments that are listed under the “Income” section on the 1040 tax return form, on line 3a.

Here’s the important thing about ordinary vs. qualified dividends — the latter are taxed at a different, lower tax rate.

In the past, qualified dividends were taxed at one of three different rate levels, depending on your tax bracket, ranging from 0% to 20%.

However, since January 2018, the Trump Tax Cuts and Jobs Act has instituted a new system for long-term capital gains that will be in effect at least through 2025.

The brackets will change each year, but the bottom line is, at this point you’ll pay 20% capital gains on your dividend income, at most.

So, even if you’re in the highest tax bracket of 37% for ordinary income, the dividends you make on your stock will top out at a 20% tax rate.

Here’s an example of how that plays out.

Let’s say you earn around $45,000 a year from ordinary dividends, and your income tax bracket is 22%. That would mean you’d have a tax liability of $9,900 (with no deductions factored in).

Now let’s say you brought in $45,000 a year from qualified dividends. You would pay a much lower tax rate of just 15%. Thus, you’d have a smaller tax bill of only $6,750.

That’s a difference of $3,150.

Are you starting to see the amazing advantages of investing in dividend stocks?

What NOT to Do With Dividend Stocks

Now in case you’re wondering, not all dividend stocks are created equal. You can’t just buy any dividend stock, or invest in only those that pay the highest dividends.

Many companies with higher than normal dividends are in rough shape financially — over 10% tends to be a huge warning sign, actually.

This is because as the company’s share price falls, its dividend yield goes up. So, the dividend yield may be elevated simply because investors are fleeing the stock in droves.

Investing in stocks with an unusually high dividend yield is a trap many new investors fall for, but one that I will steer you clear of.

Remember, we want to get into long-term, stable, well-managed companies that have a competitive advantage — not companies that are falling apart financially.

They must be companies that can be trusted to pay their dividend no matter what happens to the economy or Wall Street.

And they must be the type of company that’s able to grow the size of its dividend payouts.

Here’s something else to consider when investing.

You don’t want to overpay for the dividend either.

Now don’t worry — you don’t have to figure this out on your own.

I’ll do all the heavy lifting for you.

To get you started, I’ve written a special report that shows you step-by-step how to activate your 3a Income Stream.

Out of the 10,734 stocks trading on U.S. exchanges, I identified four dream-team dividend stocks for you to start building your 3a Income Stream with.

Put simply — these are trophy stocks.

As good as their dividend payments are, I fully expect them to increase these payments by 6% to 8% a year going forward.

That means the dividend checks you collect will get bigger every year.

You can read all about these four amazing stocks in my report titled:

The 3a Income Stream:
The Secret to a Cash-Rich Retirement

I’ve arranged everything so you can get a copy of this blockbuster report within the next five minutes.

But first, let me tell you about what you’ll discover inside . . .

Effortless Income Stock #1:

The first stock I’m sharing with you is a dividend champion.

In fact, it just crossed an amazing milestone, one very few companies could ever dream of. That is, for 50 straight years, it has raised its dividend payment.

This year, the raise was four additional cents per quarter, from $0.80 per share to $0.84. Some years, it’s larger than that. But in any case, just imagine the power of such incremental raises year after year.

I’ve been an owner of this company’s shares for 30 years, and it has helped make me a multimillionaire.

However, during the economic boom we’ve seen coming out of the 2008 Great Recession, the price ran high.

A little too high for new investors, crossing $75 around the start of 2017. So, I had stopped recommending it as a “buy,” instead telling my subscribers to simply hold on and continue to collect their quarterly payouts.

Then, 2019 came along — and this stock took a beating. The media and the financial pundits attacked it aggressively, scaring the pants off of many investors. The stock price tumbled — and I saw a generational buying opportunity unfold.

In the past year, after being as high as $57, it sank all the way to $39 . . . meaning new buyers could get in at a dividend yield of over 7%!

And this isn’t a company about to go bust. Anything but, with a dominant market position, pricing power on its products, and a new partnership that’ll help it expand its foothold in the coming decade.

You can get the name, ticker symbol, and full details on this play inside your FREE 3a Income Stream report.

Now on to the next trophy stock you won’t want to miss.

Effortless Income Stock #2:

I just told you about a dividend juggernaut in an industry that was knocked around by investors in 2019. It created a generational buying opportunity, as I said.

But that’s not the only bargain for the taking in this particular industry.

I have a second stock — one based in London, with control of a wide swath of established brand names after it scooped up a rival in 2017 in a $49 billion deal.

It’s not as big or quite as successful as that first company I mention above. But that doesn’t mean it’s not a steal right now.

The dividend is hovering around 7%, an amazing level for new investors to lock into and reap years of steady, tax-advantaged quarterly dividend payouts.

Its dividend has been boosted every year for the past 20 and counting, and I see no signs that streak will end anytime soon.

Full details on this stock are found inside the 3a Income Stream report.

Next up is one of the biggest food conglomerates in the world, with a handsome dividend to boot.

Effortless Income Stock #3:

As my readers know, I make no secret of my appreciation for Warren Buffett’s investing acumen.

The guy is a genius.

He bought his first stock at 11, managed his first investing partnership at 26 (doubling his partners’ money in three years), and amassed an incredible decades-spanning track record of stock buys and acquisitions under his Berkshire-Hathaway holding company umbrella. Now at 89, he’s the fourth-richest person in the world, with an $86 billion fortune.

He is famous for zigging when everyone else is zagging, buying into stocks when everyone else is running away.

Personally, I’ve made millions following his moves over the years.

So, I’ve been watching Effortless Income Stock #3 for a while, waiting for the time to pounce, because of Buffett’s involvement.

I’ve been ready to take advantage of a huge market overreaction to the downside . . . just like Buffett has time and again, from his bets on American Express (AXP) and Walt Disney (DIS) in the 1960s to Coca-Cola (KO) in the ’80s to Apple (AAPL) in 2016.

And that opportune time has arrived.

This isn’t some fly-by-night company, not even close — it’s a combination of two food and beverage behemoths, one around since 1980 and the other way back in 1869, that now holds 20 well-known, bestselling brand names under its corporate umbrella.

It’s a blue-chip global leader paying a dividend over 5%, and worth locking in now.

Full details are laid out in the 3a Income Stream report.

And finally . . .

Effortless Income Stock #4:

Speaking of Warren Buffett, he has an old famous saying:

“It’s far better to buy a wonderful company at a fair price . . . than a fair company at a wonderful price.”

And that applies to this next company that straddles the healthcare and retail sector, which has seen plenty of fearmongering over the political debate on drug prices and upending the private insurance system.

However, this is not your typical retail company.

It has a huge footprint — in the U.S. alone, it has 9,560 locations, with over 4,000 additionally in Europe, Asia, and South and Central America.

But in 2019, the irrational fears on Wall Street drove down the share price . . . so much so that a legendary private equity firm, which was behind the largest private takeover of all time, swooped in to kick the tires on a potential deal.

That firm is right. This stock is a steal at the prices we’ve been seeing lately, especially considering its dividend yield of over 3% per year, and the fact it has raised that dividend for 43 consecutive years.

Tally up the dividend payouts of these four companies together, and you stand to get 16 effortless income checks a year.

That’s an average of more than one check a month sent to your mailbox or deposited into your brokerage account.

Could money like that really change your life?

I bet it could.

By the way, these four plays are so exciting, I wish I had the opportunity to get into stocks like them when I was first starting out.

It could have really made things easier receiving checks like this — every month.

The full details on these four trophy plays including name and ticker symbol are inside your copy of The 3a Income Stream: The Secret to a Cash-Rich Retirement.

This report is a $99 value.

However, you cannot buy it here.

Or anywhere for that matter.

That’s because it’s yours FREE today when you accept a test-drive to my advisory service, The Dividend Machine.

Without a doubt, it’s the best move you can make for your financial future.

That’s because The Dividend Machine opens up this exciting world of dividend investing that most people have no clue exists.

You can finally stop leaving yourself dangerously exposed to violent market crashes.

Or finally escape the fool’s errand of chasing lottery ticket stocks that do nothing but make you poorer in the long run.

This is steady wealth accumulation for serious investors who are tired of games.

The Dividend Machine gives you the full scoop on the best dividend stocks of our time that can pay you effortless income each and every month.

Now earlier I mentioned there are about 10,734 stocks listed on the major exchanges.

Over the past 20 years, I have perfected a system for finding and investing only in the “best of breed” stocks.

For a dividend stock to make my buy list, it must follow these rules:

Rule 1: The 50-Year Test

I first evaluate a company top to bottom, going as far back as 50 years through its financial history. New companies and start-ups aren’t considered.

Rule 2: The Interrogation

Next, the dividend stock must pass an interrogation process. From what we’ve seen in recent years with companies like WorldCom, Lehman Brothers, and Enron, financials can be fudged.

So, I go even deeper into the rabbit hole, by calling and/or meeting with company managers at all levels. Everything from how they manage, to their products, their supply chains, their order pipelines, and more is examined with a fine-tooth comb.

Rule 3: The Checklist

As if that wasn’t enough, there’s more to my process. Twenty years of in-the-trenches investing experience has shown me 16 additional points a company must meet in order for it to make my buy list.

Like a pilot who must go through a checklist before he flies, a dividend stock must pass that checklist before it makes the cut.

So how well have my recommendations worked out?

To date, members of The Dividend Machine have enjoyed gains like these:


+ 79.88%

Automatic Data Processing

+ 67.55%


+ 58.36%

Old Republic International

+ 60.35%

American International Group

+ 82.47%

Deckers Outdoor

+ 72.10%

Siemens AG

+ 91.21%

As great as those returns are, some of my members were able to more than double their money, sometimes in as little as one year.

Here are some plays that more than doubled the money of Dividend Machine members:

Intel Corp.

+ 108.41%

Assured Guaranty

+ 109.21%

Forest Labs

+ 290.01%

Noah Holdings

+ 172.81%

Yum Brands

+ 248.24%

Cincinnati Financial

+ 297.24%

Or, consider Visa, which I recommended to Dividend Machine readers in 2011.

Had you put $10,000 into this stock then, your investment would have grown into $117,321 by December 2019.

A +943% return!

That’s life-changing money right there.

Investments like these have made a huge difference in the lives of my readers.

Here’s what they say about it:

I’d love for you to get in on the action just like my current subscribers.

And you can.

That’s because over the next 12 months I expect there to be even more exciting opportunities.

The reason why?

2020 is a Presidential election year. So, I don’t expect much of anything to change.

And Jerome Powell, the Fed Chairman, will continue to keep interest rates low. So money will pour into these high-yield investments I recommend, pushing share prices higher.

That means easy profits for members of The Dividend Machine.

Yet, these are glittering opportunities that most people will miss out on.

Instead, they’ll try to figure out how to stretch their meager Social Security check — which, by the way, only averages $1,341 per month.

Can you live on that?

Most people can’t.

That’s why they’ll reluctantly take their tired, aching bodies to Walmart . . . and work till their bodies burn out.

I don’t want you to sleepwalk into this depressing future.

The good news is, you don’t have to.

Not when you can get a FREE copy of The 3a Income Stream: The Secret to a Cash-Rich Retirement.

I’ll show you what to buy, how long to hold it, and exactly when to sell.

It’ll be the closest thing to having me there with you to build your own 3a Income Stream.

But this gets better.

When you give The Dividend Machine a try, I’ll also give you a complete retirement kit that can turn your situation around.

Even if the dot-com bust hit you hard . . .

Even if 2008 wiped out half your life savings . . .

Even if the housing market nearly broke you . . .

And even if higher taxes bruised you . . .

This is your bounce-back kit.

It’s designed to work even if you’re starting a little later in life . . .

Or have just a modest amount to invest.

Inside your kit, you’ll get 3 additional bonus reports including:

Special Report #1:
The World’s Greatest Dividend Stock
— a $99 Value Yours FREE

I’ve been screaming from the rooftops about this stock for as long as I can remember.

It’s already made us 414% in the past 10 years.

And we’ve traded it in our Aggressive Portfolio for gains of 383%, 519%, and 474% along the way.

It’s been one of our longest-standing holdings.

The company has been attacked relentlessly by the media, and been hit with one frivolous lawsuit after another . . . but all it does is continue to print money and reward loyal shareholders.

It also continues to churn out a steady 6% plus dividend as of this writing.

For months I’ve been recommending my Dividend Machine subscribers buy this stock at or below my buy price.

I’ve loaded the boat myself having more than $6 million of my $27 million portfolio in this one stock.

In this FREE special report, I reveal the name of this stock, my specific buy price, and a complete research report on the stock.

I also give you the real truth about the latest lawsuit-by-association, and how it has set up an incredible buying opportunity in this stock once again.

This report is a $99 value.

But it’s yours FREE when you try The Dividend Machine today.

Special Report #2:
Eight Secrets to Building Life-Changing
Wealth With Dividend Stocks
— a $99 Value Yours FREE

Inside this report, I’ll take you behind the scenes and show you the exact steps I use to evaluate every stock I put on my buy list.

It’s a complete blueprint that teaches you how to do what I do — for yourself.

With this skill, you can set yourself up so you can eventually live where you want, travel where you want, and comfortably provide for your family.

And boy does it work.

It’s the secret to how I was able to retire at age 42.

And I did it while supporting a family on a modest income.

So there’s no reason why it can’t work for you too.

Some of what you’ll see inside this report includes:

  • The secret to finding stocks that regularly increase their dividends.
  • How to harness the power of compounding returns so your money machine builds itself
  • How to choose companies that are loaded with cash but little debt
  • The best way to know when’s the best time to buy the stock and how much to pay for it
  • The secret to identifying the true health of a company
  • Plus so much more.

This is the only place I know of where you can get the “CliffsNotes” to a step-by-step plan like this.

Of course, you’re under no obligation to seek out dividend stocks on your own.

You can simply refer to the plays I recommend in my 3a Income Stream report as well as in the monthly issues of The Dividend Machine.

However, if you’re remotely interested in attaining this money-making skill, this report will help you do exactly that.

This report, like the others, is a $99 value, but it’s yours FREE with your trial subscription to The Dividend Machine.

Now for the next report in your retirement kit.

Special Report #3:
Recession-Proof Your Portfolio
— a $99 Value Yours Free!

Lots of folks are worried about a possible recession. While the past few years have been good ones for the market, all the stuff going on with the U.S.-China trade war, impeachment, and interest rates have some folks worried.

While I don’t agree a recession is imminent, this special report will show you exactly how we are positioning ourselves to profit in 2020 and beyond, no matter what might come next for the stock market or the economy.

I also reveal my favorite strategy for taking advantage of any drop in stock prices that may occur in 2020. A strategy that will allow you to grab some solid blue-chip dividend-paying stocks at bargain basement prices if that opportunity arises.

It’s everything you need to make the most of any downturn in the economy we may see in the year ahead.

This special report is a $99 value.

It’s yours at no cost with your trial subscription to The Dividend Machine.

Plus, You’ll Get a FREE Copy
of My Best-Selling Book

When you join The Dividend Machine today, I’ll even include a Special Bonus:

A copy of my best-selling book, The Great American Dividend Machine.

In this incredibly popular book, I detail how I got started on the road to absolute financial security and show you how a few simple, easy-to-follow rules can set you on the path to millionaire status.

Normally this book retails for $24.95, but I will send you a copy absolutely FREE when you join The Dividend Machine today.

And each of these reports I just showed you is a $99 value.

They’re all yours absolutely FREE when you give The Dividend Machine a try.

These 3 reports and my book, plus the 3a Income Stream report are a complete retirement kit.

So, in total, you receive $421 in value — upfront.

That’s a great deal considering a one-year membership in The Dividend Machine is just $97.

That’s only about 26 cents a day.

You can’t even get a cup of coffee . . . or much of anything for that . . . these days.

Try Dividend Machine Today
and Get All This . . .

Aside from the four reports I mentioned, and the copy of my book, here’s what you’ll get when you join The Dividend Machine:

Monthly issues of The Dividend Machine Newsletter

Each monthly issue gives you insight on how to build your own dividend machine.

You’ll get in-depth insight into the companies I’m showcasing. Why they’re picked . . . and what they mean for you long term.

Whether you have practically no savings or you have plenty to your name — you’ll get insight on how you can achieve your financial goals.

Plus, you’ll receive 10 to 14 new picks a year. As you saw earlier, I’m extremely selective about what I recommend.

My goal is for every play to be a big win for you.

Your issues of The Dividend Machine will be mailed to you around the 25th of each month. Plus, you’ll receive a digital version you can read on your laptop, smartphone, or tablet.

Weekly Email Updates

Every week I’ll email you an update covering market developments and expectations. Plus, you’ll get guidance on every stock recommended. That way you won’t ever be caught flat-footed.

Weekly Podcasts

I also do weekly podcasts — these come out every Thursday. I record a short message and will usually go into detail on one or two stocks that are in your portfolio. You can listen to these on your daily commute, at home, or even while grocery shopping.

The Dividend Machine Portfolios

You’ll get access to our two portfolios. The first is our conservative portfolio that can safely see you through good and bad economies.

Then there’s our aggressive yielders; these carry some risk but offer you faster, more lucrative growth. These may also include some international picks — so you won’t be limited to just U.S. opportunities. All in all, you’ll have a complete set of dividend stocks to invest in according to your financial goals.

Private Members Website

You’ll get access to my password-protected website. As you’ll soon see, it’s a treasure chest of investment wisdom, tips, and ideas that could help you bounce back even if previous market crashes wiped you out. Here, you can read past monthly issues, weekly updates, and reports. As new reports are released, you can read them here.

Trade Alerts

When it’s time to make an adjustment to your Dividend Machine portfolio, I will send you an email. The email will give you trading instructions that you can share with your broker, or allow you to go online to make the trade on your own.

Complete Customer Service Support

If you have any questions about your membership — whether it is a question about placing a trade or logging into the website — we have a team of over 30 trained customer service representatives who can assist you.

In just five minutes, you can get instant access to everything.

What’s more, just one of the stocks I recommend in the 3a Income Stream report could generate enough dividends this year to cover your entire membership fee.

That more than covers your monthly subscription cost.

So why the low cost?

Frankly, I could charge a whole lot more. But — I’m not in this for the money.

I’m doing this because even though I’m technically retired, this is something I love.

My mission in life is to show people how to receive thousands of dollars in monthly income.

Aside from my family, I can’t think of anything that makes me happier.

How to Activate Your Risk-Free Membership
to The Dividend Machine

As a member, you get unbiased analysis truly designed to make you cash-rich in your retirement.

It’s a steal considering everything you’re getting.

  • The 3a Income Stream — a $99 Value
  • The World’s Greatest Dividend Stock — a $99 Value
  • Eight Secrets to Building Life-Changing Wealth With Dividend Stocks — a $99 Value
  • Recession-Proof Your Portfolio — a $99 Value
  • BOOK: The Great American Dividend Machine — a $24.95 Value

All for just 26 cents a day.

Plus, monthly issues, weekly updates, podcasts, access to the portfolios, the members-only website, trade alerts, customer service support, and a copy of my brand-new book.

With the investments I will show you, it’s possible you could make over a million dollars in the next 10 to 20 years. I’ve done it, and I want to show you how, starting today.

And it’s possible to collect as much as $5,038 of effortless income a month. That’s real money that could make a big difference in your life.

That’s why this is the most exciting offer I’ve made in the history of my Dividend Machine letter.

This gets even better.

That’s because you can try The Dividend Machine without any pressure.

My No-Nonsense Satisfaction Guarantee

Here’s how . . .

You can test-drive my research risk-free for 60 days. That means you can change your mind any time during the first 60 days of your membership in The Dividend Machine.

If you decide to cancel, that’s OK. You’re in control here. I’ll issue you a prompt and courteous refund with no questions asked.

And we’ll part as friends.

And of course, the 3a Income Stream report, my book, as well as the other reports and any bonus materials are yours to keep.

Just give it a test-drive around the block and then decide if it’s right for you. It’s that easy.

Here’s How to Get $421 in
FREE Special Bonuses . . .

A year from now you could either be in the same place you are now . . .

Or, your retirement nest egg could be growing each month.

And you could be uncorking a bottle of champagne celebrating your newfound wealth.

But it will not happen — unless you act now.

Every day that passes is a day your money is not working to make you more.

It’s called opportunity cost.

Charlie Munger, a renowned investor and businessman who’s the vice-chairman of Berkshire Hathaway and right-hand man to Warren Buffett, has this to say about opportunity cost:

“Intelligent people make decisions based on opportunity costs.”

That said, how much money are you willing to leave on the table?

One of my very first recommendations, Forest Labs, generated a total return of 290% for my readers. It did that in just one year.

If you were a member when that recommendation went out, your investment of 10 grand would have grown into $39,001.

That’s nearly four times your money. Is it worth it to leave money like that on the table?

Listen, the U.S. economy is picking up steam.

That means share prices will rise. Dividends will continue to be paid out regardless.

There’s money to be made and there’s not a minute to waste.

Your reports are waiting for you.

You can get full details on how to unlock your 3a Income Stream — in just five minutes.

Just one of those 3a Income Stream plays could hand you a quarter of a million dollars in two decades.

Here’s another reason why this is an urgent matter.

The next round of dividend checks will be cut in three weeks.

To claim yours, you’ve got to get in now.

The next step is easy.

Click here to join The Dividend Machine and get your copy of the 3a Income Stream report along with everything else mentioned today.

You’ll be so glad you did.


Bill Spetrino


The Dividend Machine