1. The debate between income investing and growth investing is a heated topic; 2. A dual-prong income approach can provide a safety net and long-term income growth; 3. Schwab U.S. Dividend Equity ETF (SCHD) is a strong core holding due to its consistent dividend growth and share price appreciation; 4. Current macroeconomic challenges do not fundamentally alter SCHD's ability to select high-quality dividend stocks.