Your Numbers

Invested Today

401(k) + IRA + brokerage. Not your emergency fund.

Invested Per Month

Everything: employer match counts too.

Expected Annual Return

7% ≈ long-run stock market, after inflation.

Why people say the first $100k is the hardest

The curve that does the work

Navy area: your contributions. Amber area: compounding growth. Dots mark each $100k.

Before you sprint at this chart

This math assumes high-interest debt is gone and an emergency fund exists — compounding can't outrun a 24% credit card. If you're not there yet, start one step back.

Debt Payoff Calculator → Bank Account Strategy Guide → Get the Sunday Brief →

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Educational content only. Not investment, tax, or legal advice. Nothing on this site creates an advisory relationship. Consult a licensed professional before making decisions about your money.

Your first $100k.