Why The First $100K Changes Everything (5-Step Plan)! | Charlie Munger

#CharlieMunger #First100K #LongTermInvesting #FinancialIndependence The first $100,000 is the most difficult—and most transformative—milestone in investing. Charlie Munger was clear about it: the early phase is slow, demanding, and unforgiving. But once you cross that threshold, the math changes. Compounding stops working against you and starts working with you. In this video, I break down a simple, repeatable 5-step framework inspired by Munger’s principles to help you reach your first $100K with discipline and clarity. This is not about hype or shortcuts. It’s about building momentum the right way: creating surplus, protecting capital, and letting patience do the heavy lifting. 📌 What You’ll Learn: Why the first $100K feels painfully slow—and why that phase is necessary How to engineer a reliable monthly surplus, even with limited income The “financial floor” system that protects progress from lifestyle creep Automation strategies that eliminate reliance on motivation and willpower How to avoid “stupid losses” that destroy long-term compounding Why doing nothing is often the most powerful investing decision A focused 90-day action sprint to turn principles into habits This is a practical roadmap for beginners and long-term thinkers who want results built on discipline, not speculation. #WealthBuilding #PersonalFinance #CompoundInterest #BehavioralFinance #DoNothingInvesting #MoneyManagement #PassiveIncome #RetirementPlanning