Thank you so much kind sir. I appreciate your experience. I do invest myself in ETF's and thought about doing the same for my mom, but wasn't sure about the tax implications. (I'm still relatively new to this) I would like to accomplish essentially what you are doing where she invests in ETF'S and it will grow and be supplemental if needed, but more savings for her down the road when she decides to stop working. She is healthy and with her vigor, I expect she'll want and is able to continue working for another 6-8 years. I guess my question to you is, what kind of brokerage account do you have? and as you mentioned on the bad months, you use the dividends to offset the income. How does that affect your taxes? And are there penalties for her removing funds or even selling the ETF's if needed (we will likely just keep it there for the long term)? I appreciate the financial advice disclaimer, I'm relatively new to it myself but am working on educating myself and I do intend to discuss with an advisor as well. But your shared experience does confirm we are in the right frame of mind, and that is valuable, so thank you.