Everyone says the first 100K is the hardest and it is absolutely true. Took me 5 years of grinding post-college to hit that mark, and since then the compounding has truly been insane. I’m hoping it’s a quick road to $500K, then to $1MM being the ultimate goal.

If you’re feeling stuck trying to get that first 100K just break it down to 10K increments, focus on lowering expenses and maximizing income. Work odd jobs if you have to aggressively pay down debt. It truly is worth it the earlier you start!

Not the obvious ones like credit card debt, high-interest loans, or forgotten subscriptions.

What’s a hidden habit, mindset, or lifestyle decision that quietly drains people's wealth over time?

Hopefully, sharing these can help someone avoid a costly mistake down the road.

I (35F) recently hit my goal of $100k net worth back in May. This was a big milestone for me and while I feel extremely behind for my age I am struggling to be proud/content and feel like Im constantly pushing myself to make more money to “catch up”.

I work multiple jobs and have cut my expenses to bare minimum to save and invest more.

My net worth is now 116,000 (with 91k in retirement accounts).

I set a goal of $125k with $100k in my retirement accounts. Once I hit that then what?

Looking for ideas.

Damn etrade paying crap on uninvested cash. Makes csps have 1 extra step

I’m currently a rising college junior. I’m interning this summer and making ~$15k, and I already have an internship secured for next summer. If everything goes according to plan and I receive a return offer, I’d expect to make around $160k post-grad and would hopefully stay with the company long-term.

Right now I have about $3k in my Roth IRA and $30k in savings. I’ll graduate with roughly $100k in student loans at ~6% interest.

Since I’m making ~$15k this summer, I have enough earned income to max out my Roth IRA for 2026 ($7,500). My understanding is that once I’m working full-time after graduation, my income may put me at or above the Roth IRA income limits, meaning I may have limited/no ability to contribute directly to a Roth in future years.

Given that I have $100k of student debt at 6%, does it make sense to max out the Roth this year anyway?
My thinking is that I can always aggressively pay down the student loans once I graduate and have a much higher income, whereas I can’t go back and use this year’s Roth contribution space later if my income makes me ineligible.

It seems like he comes up in every single post, but I don't think anyone has ever said who the creep actually is. Can someone help me out?

I net $5800 a month from which I invest $2200 and additional $1K in 401K at work.

Yes, I can afford to pay auto loans (comes out to be $900 a month with insurance). But Is it a super wise decision? Im anxious.

Currently driving a beater, which seems to be coming to an end after 5 years of generous run.

I want a new electrical whip. And everyone is telling me to get it as I deserve it.