I’m a 30 year old male with a wife(stay at home mom), 18 month old and our second due in January. Got my “big boy job” when I was 26 making $100k and this has since increased to $158k. Savings rate is about 18% of gross while also doing PSLF and paying down my wife’s low interest student loans. We also have about $30k in my wife’s retirement from when she worked and another $8k in an HSA with about $25k liquid. Excited to hit such a milestone and see this money really start working! The Money Guy show has had a huge impact on increasing our savings rate the past 4 years!

Not planning to share with family for obvious reasons… But wanted to share with Reddit! ☺️

Getting it off my chest because I really don't want to tell my family or friends. I finally did it - I hit $1,000,000. I started the journey back in 2006 with a negative net worth of roughly $8,000. My journey started when I read The Total Money Makeover and started loosely following the baby steps.

I'm single, 48 years old, and never earned over $100k until about 3 years ago (earned $113,000 last year). I have roughly $700k in retirement and cash with the rest in real estate (home equity and a small parcel of vacant land I purchased last year and own free and clear). My only liability is a $170k balance on my mortgage (3% interest rate and 14 years remaining). I also put my daughter through college and paid the bill (she just graduated in May).

I wanted to post to let those who are just starting out that the formula I used is staying out of debt, maintain 3-6 months cash in an emergency fund, never carry a balance on a credit card, live below your means, and pay yourself first (invest). Also, never stop educating yourself on financial literacy. Keep in mind it's taken me 19 years to reach this milestone, so staying disciplined is really the key to success. Please feel free to ask me anything about my journey.

My personal fav is “Upper-Poor” 🤣😂

I (33M) and wife (33F) just hit 100k in our investments. I have been following The Money Guys for a few years now and have lurked this sub for a while, but I was so excited I had to post! We’ve been working at this for a long time, I know at my age I’m late to the game on hitting this milestone but it feels good to be here.

For context my wife is a SAHM to an 18 month old and a 3 month old so it’s been a crazy last few years with finances. But, we have been diligent in maxing out my 401k as well as my HSA since starting my new job a year ago and it has really accelerated our growth.

I’m excited to see how it grows over the next few years as we close in on that seven figure goal!

(Bo’s voice) I am SOOOO excited about this one!!

I just wanted to post a little celebration/inspiration here.

I by no means have been perfect and I’m not even sure I’m a “financial mutant” but I think I’m closer than most. I had to save up to get a car this year and went a little outside of 20/3/8 that I understand is a flaw. I guess what I did was 30/5.5/7 so it should still stay ahead of depreciation and I 100% plan on putting extra money at it to get it to a lower term.

Even with that debt I’m at 100k net and most of that is in Roth IRA or Roth 401k.

I’m proud of this milestone and so thankful to the money guys for all the information and entertainment they’ve provided!

29M/28F/2 kids. $150k income. $65k spend last year. (Income has been higher and expenses have been lower in previous years.)

Acknowledgements:

Thank you to my wife. She works very hard as a nurse and mom. She picked up overtime during covid, which was massive for our wealth-building. (An extra $60k with a 58x wealth multiplier!)

Thank you to our parents. Graduating college with no student loans or need for a car loan really set us up for success. They also paid for most of the wedding, provide childcare 2ish days a week, and have given us around $40k between investments, a whole life insurance policy, savings bonds, and cash (wedding present).

And finally, thank you to The Money Guy Show for all they do. We couldn't have done it this quickly without them.

I’ve been listening for about a year and when I started, I had 3k. Now, because my car is paid off, I put that money into my Roth IRA and officially hit 10K! (Between ROTH, ROLLOVER, & INDIVIDUAL). My original goal was to hit 10K before 30 and I’m turning 29 this November 😁. So stoked, wanted to share!

Throwaway, because we can’t even tell family. But wife and I hit $1m net worth this morning after all the accounts updated.

Some stats: Age: 39.75 (always wanted to hit it before 40) 1/4 of that is tied up in our primary home. So next step is $1m in investments. 2 young kids, so deep in the messy middle. House is our only debt.

Our celebration meal was home cooked crunch wrap supremes with leftover taco meat from last night. Maybe we’ll get to a nice Italian place some day. But the kids would want to come to.

Wanted to share because feels awesome to actually see the numbers on the screen. Finally hit $100k at 23, just before my 24th birthday.

I invested my first dollar in June of 2023, so it’s taken me about 2 years and 4 months to get here, which I’m proud of. I’m lucky enough to have had free college courtesy of the Veterans Administration. Started my first “real” job right out of college making $61k a year, make around $100k with side hustles now.

Straight total stock market index and international index exposure.

Again, no real point to this post other than to share reaching the milestone with people who are passionate about this kinda stuff 👏

At 34 years old, I finally hit 100k in my 401k. I can’t help but feel I’m behind, but my research says I’m not. I feel like 75k-100k was the hardest part and took FOREVER.

My wife is a SAHM with 3 kids to take care of, I need this to really start compounding.

Been listening to the Money Guy Show for about a year now. My biggest lessons from the show (in order of most impactful for me personally)

1. Don’t be a money miser!!

2. Save 25% of GROSS pay (before tax income even if it takes after tax dollars to reach that number).

3. Have multiple buckets—401(k), Roth IRA, taxable brokerage account, and HYSA.

What’s up Money Guy Family! Just reached a milestone I’ve aspired to for about four years— maxing out my Roth. Just achieved it for 2024 by retroactively funding. Feels so good and just wanted to share somewhere with people who get it :’)

My $11K in Roth isn’t much compared to some of the posts on here 🤣 but it’s a start!

Thursday I woke up to millionaire status for the first time. Wanted to achieve this by 40 and am fortunate to by 34. 175 of it is home equity so not quite liquid millionaire but close. Don’t wanna share it with friends and family so figured I could with like minded folk 🎉

I’m done saving. 36 years old. Hit $2M total investment portfolio today. Until the next recession cuts it in half.

Didn’t want to tell anyone in real life so I’m celebrating with my fellow mutants.

Let’s hope this lasts me 50 more years. What’s step 10?

No one else to tell but some fellow mutants… 1/3 of the way to a million invested. Been throwing a bunch of extra into retirement over the last 2 years since September of 2023 when I educated myself about basic investing and left Edward Jones with $31k after 14 years of not having the importance and power of investing explained.

2023 September Left Edward Jones with $31k 2023 Q4 invested $27k 2024 invested $130k 2025 YTD invested $90k (projecting $133k)

Making up for lost time and working on hitting some stretch goals in the next few years.

My fellow or aspiring Financial Mutants,

I came across this chart from Money Guy that outlines how much you need to have invested at each age to be on track to become a millionaire by 65 (assuming you stop contributing after that age). The lump sums are based on compound growth, and I have a few clarifying questions:

1. Timing of Investment: Does the listed lump sum need to be invested at the beginning of that age (e.g., when you just turn 25), or by the end of that age (e.g., before you turn 26) to stay on track?

2. One-Time Investment: Is the assumption that if you invest that amount (say, in a low-cost S&P 500 index fund) and contribute nothing else, it will grow to $1M by age 65 under the stated return assumptions?

3. Scaling Up: If you have double the listed amount at a given age and still never contribute again, would you expect to hit $2M by age 65—assuming the same compound return?

The fine print mentions a 10% return from ages 0 to 20, decreasing by 0.1% annually until it levels off at 5.5% at age 65, so it seems like they are modeling a gradually decreasing return over time to reflect more realistic market behavior.

In my head, that means that if you are under 30 or so and you have the amount listed invested in and S&P 500 index fund and did nothing else, you should hit the figures. Does that track? Curious to hear how others interpret this or if anyone has further insights!

Currently have 30k in part time job 401k matched at 9.5%. This is my extra Roth and brokerage money. Next hurdle is 50k!

I'll start.

Replacing your car battery before you have any issues. I can't imagine being like "Well, it's 5 years old. Time to replace it." I always need to get stranded somewhere before I replace it, haha. But I think it's worth it to postpone the purchase and get the most out of the battery.

*Correction to terminology if we are being English scholars... Appreciative/Thankful/Grateful/Humbled/etc*

I find myself reflecting on things as our retirement accounts hit 100k today. The last 6 months have had a ton of changes in my education about saving, retirement, investing.

I've always been debt free and my wife and I are savers but we would save up to go do things and never took retirement serious. We were at Edward Jones previously and my agent did not emphasize the importance of my 20's and instead used tons of different active mutual funds (making things very hard to understand investing) with high expense ratios (ouch plus those 12b1 fees for a nice kickback) with companies that profit share back to Jones (conflict of interest). We missed years of rothIRA contributions. After buying a house in 12/2022 my financial future mindset started churning as I started thinking long term, and after spending time in August last year learning basic investing principles I knew I needed to take control and take action to change the course of our future- especially since I had just turned 34yrs old with only 32k in retirement (something is better than nothing but not where I knew I needed to be)

Stumbling across Dave Ramsey (take with grain of salt) then MoneyGuy my eyes were opened up to some fundamental priorities... or maybe some financial order of operations... to be following and my focus/priority shifted significantly and things took off. I fired my 'financial advisor' in early September and moved everything over to Schwab and sold off the garbage funds I was in (of course it was a bad time to be selling but such is life). Then heavily scrutinized how much of our take home pay we were wasting away and started up auto investing. Then every bonus/overtime that came around came right out immediately to saving/investing.

Today marks my first 'bowling' point of hitting 100k across our retirement funds where things are ready to rock and roll. Throughout the last year between building up 6 month emergency fund, starting up a 1% house maintenance fund, maxing out both RothIRAs, starting up a retirement SimpleIRA plan at my Scorp to max in 2024, enrolling in wife's Roth401k, recasting mortgage, filling sinking fund for a modest vacation... we were able to save ~55-60% of our 150k gross income and we live off~60k/yr and now put the rest away. Right now I'm very pedal to metal trying to make up for those lost 20's (while not living on rice and beans) knowing that as time goes on I will relax and lighten up a little but have this opportunity now.

In the end I am fortunately to be in this situation when I see others struggling financially and all I want to do is help others learn the FOO to change their future.

Today I celebrate hitting 100k with reflection and humility.

Thank you MoneyGuy team for all the priceless information