The mortgage is monthly, the groceries are monthly, and quarterly dividends force you to do the budgeting the company should have done for you. Retirement runs on months, not quarters.
- The good ones answer: how much to invest for your monthly target, and when the money arrives - A price tag on the goal motivates in a way vague saving goals never do - Demand growth modeling; a planner that freezes payouts forever quietly lies in the pessimistic direction - Reject planners that require brokerage linking to function; manual entry of twenty positions is not a burden - Pair with a payout calendar to spot thin months and stagger holdings
That is literally what DivPlan ($4.99 one-time) is: your monthly number in, the capital required and the stocks to buy, out.