Barista FIRE Income vs Monthly Payday 272

How $10,000 would have grown in each — compared across total return, income, NAV, and risk.

Compared over their common history since Oct 2024.

Judge on

Window

WinnerBarista FIRE Income

High riskMedium reward

10.7%

yield · $89/mo per $10k

Monthly Payday 272

Medium riskMedium reward

7.3%

yield · $61/mo per $10k

Barista FIRE Income wins on total return (2–0, full common history).

Growth of $10,000 (dividends reinvested)

Barista FIRE IncomeMonthly Payday 272Distributions reinvested · hypothetical, fixed weights

Total Return2–0

28.2%

Total Ret.

22.0%

16.8%

CAGR

13.2%

Income3–0

10.7%

Yield

7.3%

$89

Income

$61

0.34

Steadiness

1.62

Principal / NAVeven

8.9%

NAV

5.5%

-14.5%

Max DD

-9.4%

Risk1–3

4.6

Risk-Adj.

3.9

1.86

Sortino

2.03

12.7%

Volatility

9.3%

3.6

Safety

2.3

Holdings overlap

0% overlap

Barista FIRE Income only

JEPQ 25%SPYI 20%QQQI 20%ARCC 15%EPD 10%STAG 10%

Shared

No shared holdings

Monthly Payday 272 only

QDVO 10%FPE 10%BIL 10%AMRFX 10%ANCFX 10%CAIBX 10%XPAY 10%AMLP 10%VRP 10%BIZD 10%

The risk-first read

Barista FIRE Income takes it on risk-adjusted return (4.6 vs 3.9), winning 7 of the 11 head-to-head stats. Monthly Payday 272's one edge is a lower 2.3 risk tier — worth it only if that's specifically what you're after.

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Growth is a hypothetical, fixed-weight backtest with distributions reinvested at ex-date since Oct 2024 — no fees or taxes; past performance doesn't predict future results. How these numbers are computed. Not investment advice.