I’m 20 and I’m investing an SCHD and I’ve noticed that a lot of people on here say not to invest in SCHD while you’re young and go for more growth, but that never really made sense to me since SCHD is a qualified dividend and since I make less than 48,000 a year wouldn’t that mean I pay 0% tax until I hit over the 48,000 mark for my base income plus the dividend and wouldn’t the snowball effect beat overall growth eventually