Start with the smallest bill. That is the whole entry point. You do not need a huge portfolio or a huge paycheck. You build the daily buys in a regular taxable account until the distributions can cover your smallest bill. Then that bill gets paid from the portfolio. Here is what happens next, and it is my favorite part. The money you used to pay that bill out of pocket does not get spent on something else. It gets invested. So the account grows faster, the distributions get bigger, and the next bill gets picked up sooner. Smallest bill. Then the next. Then the next. That is how a portfolio learns to pay for a life.