Getting to Your First $100K Doesn’t Have to Be Hard

Getting to Your First $100K Doesn’t Have to Be Hard—Especially When You’re a High-Income Earner Here’s the truth: If you earn six figures, your first $100K isn’t a 10-year goal—it’s a 1–2 year strategy. But most high earners still struggle because they’re stuck in the trap of lifestyle creep, poor systems, and financial overwhelm. Here’s how smart high earners—especially physicians—reach $100K faster: ✅ They follow the High-Income Financial Waterfall—prioritizing emergency funds, 401k match, high-interest debt, Roth contributions, and brokerage investments in the right order ✅ They automate and optimize with tools like mega backdoor Roths, HSA stacking, and biweekly investment plans ✅ They keep their lifestyle lean on purpose—trading impulse spending for long-term joy ✅ They leverage their biggest advantage: a predictable, scalable income ✅ And they track net worth monthly, not just spending Physicians and high earners who apply even a few of these strategies hit their first $100K faster than they imagined without giving up everything they love. 🙋🏽‍♀️ Want to learn how to build joyful wealth on a high income? ➡️ Subscribe to the JOYFUL Wealth YouTube channel for weekly financial strategies made for professionals who want more than just money—they want peace, purpose, and power. #financialfreedom #womeninmedicine #debtfreejourney #investingforbeginners #moneytips