1. The author's retirement portfolio achieved a record amount of realized gains in 2024, generating over $110k in tax-free income and bringing the 4-year average annual income to $95.5k. 2. The author explains how high-yield funds and stock swing trading are used to grow the cost basis of the Roth retirement portfolio. 3. Despite the popular sentiment, the author expects a down market for 2025 and justifies this outlook, while also anticipating continued gains regardless of market direction.