Saving Your First $100,000

Grateful for the clarity you bring to such complex topics. What’s your personal definition of “being rich in silence”?

Milestones are important for motivation, but there is nothing magical about reaching $100,000. $90k vs $100k vs $110k is basically the same thing.

However, I do think there are 2 magical numbers when investing. The first is when your average investment returns outpace your contributions. At 8% average returns, this takes about 10 years.

The second magical number is when your investment returns outpace your cost of living, then you are truly free. How long this takes depends on what % of your after tax income you can live on. If you invest 10%, it's going to take you 38 years. 20%, 28 years. 30%, 22 years. 40%, 18 years.

There are diminishing returns here, but you can see how more sacrifice can helps you reach financial independence sooner.

I still don't have $100k, but, I don't live in USA, and if taking into account only money I have invested, and purchasing-power-parity, then that would be equivalent to more than $140k in USA :O

I fully agree with the going UP TO ZERO being the bigger challenge. I've got $8,148.00 in Student Loans left (originally $65K). Aiming to get UP TO ZERO by the end of July 2025.

I’m at $101k+ net worth. Went down from $104k due to an unexpected expense. $50k in cash. The rest is investments. Just one job BUT for the past 2 years I’ve lived with my mom and am paying less than $500/mo living expenses. I do have a car note that I hope to pay off in the next 10-12 months tho. Question — when you guys say “I save x % of my income” is it gross or net income?

It takes a lot of work to save $100k at a young age. I can say i didn’t do it by only working 40hrs a week. You have to want it and cut back on spending and be willing to work as much as you can.

Excellent video😊 I think most want instant gratification w/ $100,000 & don’t think the little things can add up. Might take 5 yrs

The mrs and I have almost 1/2 million spread amongst real estate, savings, checking, retirement and brokerage. I dont add cars because depreciating asset.

Okay, I'm only 13 mins in, but I'm confused. Is saving 100k the same as having 100k net worth?

I'm what Reddit calls "overemployed" so I am working two WFH jobs at the same time. They both are completely self-directed so no manager oversight over my day to day, just my quality and production. It's been working great so far. I'm doubling my income currently, I have a positive NW, but I have some small debts I want to clear this year, and then start saving for a house. My spouse and I should have a NW of $100k within the next five years. Sooner if we're gonna count the house in that number :)

Here's a video idea: react to frugal lifestyle videos like Bradley on a budget

The problem with most young people in their late teens or early 20s, is that they are more concerned with partying and having an exciting life than paying attention to their financial future.

Great Video ❤

I'm not a patient person so I always found goals like $100k to do more harm than good because I would just get so frustrated when something would come up and there would be a month without much progress. The only thing that works for me is to bring that time horizon down down down until it's framed in a way that's actionable now. Whether that's this pay period or at most a month away. I have to make a plan to reach the big number targets, but that goals have to be smaller so I can focus on now and just trust that the plan is doing its thing if I'm doing my thing.

“Investing” sounds so vague at times… the market constantly fluctuates so it’s basically gambling your hard earned money.

Majority of Americans can’t even save for a $1k emergency fund 😂😂😂

I’ve always been obsessed with multiples of fives since I started working as a kid. Everything was a chase to the nearest 5’s. My first paycheck at 15 was $347, put all that in savings, then came the urge to get it to $500….then $1000, etc. chasing 5’s was what got me to my first $100k at 25, then it kicked off the race to $150k, so on and so forth. Though school, a house purchase, and my unwarranted fear of investing set me back, I was finally able to reach my first $1m portfolio at 40. Point is, find something to chase after, go after the itch.

I gave someone a father's day financial book.

A month later, he said:
" I never wanted to be at 0 so badly before"

I don’t wanna wait a couple years, money comes and goes, I have a couple grand but with inflation it’s impossible. I’m gonna travel and enjoy life.

House purchase is my squeeze right now. Currently debt free and I am not keen on taking out a mortgage.

That’s my goal right now. I printed out a paper and everything. I got a bucket where i can’t get the money out after i put it in. I did everything right but it’s still hard

I agree with your first TikTocker! What a smart person! If I were in my teens/ or being a young adult, I would do what she did if I knew what I know now….
Unfortunately I was financially illiterate until my 40s… I learned…. NOW I share with younger women….
I feel the more you know, the better you need to do to not only help yourself but help others along the way.

The teacher, if she's part of a union, should count her pension benefits towards the 100k

I Hit $ 78,590 today. Thank you for all the knowledge and nuggets you had thrown my way over the last week i started with 11k in march 2025.... now i just hit $78,590

I made the ‘mistake’ of saving up almost 100k into cash during age 23-31 in pursuit of buying a house instead of putting as much as possible into investments… so I have a good net worth but way too much of it is cash and now I don’t want to buy a house. I guess it’s a good problem to have but I do wish I had better financial literacy when I started my career 🥲

This video had so many lightbulb moments for me. It’s clear you know your stuff... It reminded me of The Hidden Money Gate by Eric Danehart, which I read recently and haven’t stopped thinking about since. That book is a masterclass in financial strategy without sounding like a seminar... It’s sharp, insightful, and incredibly useful if you’re looking to change your financial path

You should break rules to work multiple jobs at once and put yourself at liability? Interesting advice

Love your videos! Could you please make a budgeting video for lower incomes like 3000$/month and how to save/invest with a lower income? I noticed most of your videos are based on an income of 5k+

Reduce friction for what you want to do more, increase friction for what you want to do less.

I wanted to cycling more so I leave my bike and all my gear in my car. All my gym clothes go in an open basket on my dresser.

I deleted my card info and every shopping app off my phone. Unsubscribed from every store email (You will still get receipt for purchases, but none of the emails about sales.)

Why do you want to go zero debt? Student loan and mortgage debt are good debt, so rather use the extra amount to invest instead of paying off the debt, because even if the interest rate and your investment return rate are the same %, you make more by investing instead of paying off the debt.

First 50k saved here. It’s so funny it now seems like not a lot 😢

I am currently working a second job outside of my full time job. I work as a server 1-2 nights a week, on Fridays/Saturday nights (5pm-9pm). It brings in an additional $140-240 a shift.

What’s the @ of the one where she’s talking about deinfluencing and having her gym clothes and shoes for years??

High ticket sales is MLM's and other scams

I'm not here for financial advice

I love that you added a smileycitrus video. I LOVE her

The girl who worked two jobs to save 100k did it to get an education and get a better job, so she doesn't have to work two full time jobs anymore!

Great video!! I agree that negative to 0 is harder than the first 100k. For the past year we've been saving to replace bad (rotten) window frames/ windows & doors. We hit 27k saved this month. That was a lot of money put to the side to save. Any money that we got in "extra" went there. Didn't change anything regarding investing, so still did all that as always. Just cut down on things, didn't splurge on new unnecessary items etc. Also easier to not go places & spend money due to cancer treatments this past year.

Americans are such empty people smh

Leila, I have all ready met and surpassed the 100K amount, working on getting to 200k now.

My biggest tip is join the military. I probably only had about $150k when I retired, at 45, but my pay doubled because i was receiving retirement and started a new career. In five years that number has gone to nearly 600k because I have saved so much.

At 25 I earned a reasonable wage. Then I had a bad breakdown and it took 10 years to get back to what would be considered a living wage. It isn't simple for all of us to save. Those of us who have health issues to deal with that impede our ability to take on additional work need to be taken into account. In the UK, we also went through some pretty dire recessions. In my last job move, which was forced by a temporary contract coming to an end in a period where jobs were difficult to come by. I moved from one of the cheapest areas to one of the most expensive areas on the same wage, which tipped me back into living hand to mouth. Please remember that there are some of us who have to struggle to get by at every turn. Now I have retired (last week), I do have a paid off mortgage, some pensions and some savings. I'm not wealthy by any means, and it will be tight until my state pension kicks in in July 2027.

Smiley citrus! I watch her content too 👋

Save in btc not usd they are stealing you're wealth.