During the next market crash (e.g., a 20% drop), a portfolio structured with the $100 rule, including a 60% allocation to ETFs and a 10% allocation to dividend stocks, will provide diversification, safety, and continue to generate dividend income, allowing the investor to make money.
"If the market drops 20% in the next crash, not only do you have that diversification and the safety from your core 60% in ETFs, but this part of your portfolio is going to continue to pay you those dividends. You're still making money while everyone else is panicking."