I have way too many entertainment services, amounting to $186 per month in waste. However, it's good for the kids to have options.

Luckily, I can pay for all of my streaming services and Direct TV with dividends. I am now building a Dividend ETF position to handle these expenses better.

Dividend ETFs don't offer high yields but focus on aggressive dividend growth. Therefore, your 3.5% tiled could amount to 10% or more in time.