1. The author visualizes their portfolio as a galley ship with rowers (steady compounders) and sails (high-yielding securities) for balanced growth and income. 2. In 2025, the author's goal is to focus on rowers to enhance dividend growth, using Schwab US Dividend Equity ETF (SCHD) as a primary vehicle. 3. The author has sold high-risk stocks and reinvested in higher-yielding, safer options, but now the portfolio is too weighted towards immediate income. 4. The author's buy list includes high-quality rowers like ADC, AMT, and NEE to boost overall dividend growth.