Is a $100K Income Still Enough in 2026?

24:22This is just an example, but I'm showing you an example of your net take home pay at$72 ,000, this is not really a ton left over every single month that you have to cover all the other expenses that could be popping up. Now, let's look at a family of four, for example. Let's say a family of four, their household income is$100 ,000. And so their net take home pay comes out to$75 ,000 and they have a mortgage where they rent for$2 ,400 per month. That's pretty much a standard mortgage rates in a lot of different areas across the country. And so maybe you live in New York City and it's way more than that.

24:55That's not for you. I'm just giving an example of a family of four living in a moderate cost area. Childcare with two kids could be$1 ,200 a month, which is right around the standard rate. If you have two kids, you could be paying a lot more than that in your area. You could be paying a lot less. But with two kids, we're being conservative here and looking at$1 ,200 a month. Utilities at$300, groceries at$800. I think that's low. Car insurance and gas at$700 and healthcare premiums out of pocket at$500 per month. Retirement savings at$800 and emergency buffer at$300. So leftover in this scenario right here is negative $300 to$200 per month.

25:36I mean, you have a really fine line. Sure, they're covering some of the retirement savings. They're covering their emergency fund, but you have a fine line of how much is left over for you to do much else. Go on a vacation, do something else. And so this is one of those things where you got to see this family is either breaking even or they're even slightly negative when we look at this. Now, let's look at somebody in an expensive area and let's look at someone who has higher costs of living because this is where$100 ,000 doesn't stretch as far. Let's say you make$100 ,000 per year. Your net take-home pay is$75 ,000 and you have a mortgage in a high-cost region, which is$3 ,200 per month.

26:12Your child care or after-school care is$1 ,400 per month, and your utilities and internet is about$350 per month. Let's say you have car plus insurance plus commuting costs is about$800 per month, and your groceries are right around$850 per month. You have healthcare at$600, savings at$800, and miscellaneous expenses at$400. Now, this is the example I want you to see. Leftover, you can have anywhere from negative $1 ,000 to$1 ,200 per month. This, my friends, is why people in high cost of living areas really are going to feel strapped or stretched when it comes to making$100 ,000 per year. Because if you live in a high cost of living area, it's really not gonna get you far enough compared to a lower cost of living area.

26:53So it's very, very important that we make sure that we are on top of our wealth, we are on top of our dollars and on top of our money. So we're gonna talk about that next. We're gonna talk about your location, some of the areas where$100 ,000 won't stretch very far based on data. And we're gonna talk about some of the areas where it will stretch the farthest based on data as well. We're gonna dive into that next. So lately, I've been noticing how fast things are changing at home. The kids are growing like crazy, clothes don't fit anymore, and routines are changing. And it just hits you. Life is expanding.

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29:22That's 50 % off your first year at Monarch.com with code PFP. Starting something new is uncomfortable. I remember when I first started building this podcast and business, there were so many what ifs. What if no one listens? What if this doesn't work? And what if I'm wasting my time? But pushing through was one of the best decisions I have ever made. And having the right tools makes a huge difference. That's where Shopify comes in. Shopify is the commerce platform behind millions of businesses and handles 10 % of all e-commerce in the US. Whether you're just getting started or scaling something big, it gives you everything you need all in one place.

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30:31Go to Shopify.com slash PFP. That's Shopify.com slash PFP. For a long time, I thought investing was something you did later. Like once you had everything figured out. More money, more knowledge, and more time. But the shift for me was realizing you don't need to have it all figured out. You just need to start. And that's why I like Acorns. Acorns is the financial wellness app that makes it simple to give your money a chance to grow. You can sign up in minutes and start automatically investing your spare money, even if all you've got is spare change. What really stands out to me is the potential screen.

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31:38Tier 2 compensation provided. Potential subject to various factors such as customer accounts, age, and investment settings. Does not include Acorns fees. Results do not predict or represent the performance of any Acorns portfolio. Investment results will vary. Investing involves risk. acorns advisors llc and sec registered investment advisor view important disclosures at acorns.com slash pfp so depending on where you live you can see high cost of living really eating into your salary and for a lot of folks out there a hundred thousand dollars in new york city is really not going to stretch you that far or a hundred thousand dollars in san francisco is really not going to get you that much where you're going to have to earn more especially if you have a family that you have to support so housing and rent is going to eat up a huge portion of this and property taxes and insurance could also be higher.

32:18Plus daycare, school options, all of those different things are going to be way more expensive. In addition, a lot of these high cost of living areas are also going to have higher income taxes. You're going to be paying more income taxes when we're looking at New York or California or some of these other areas. We need to understand that taxes play a huge role in how far we can stretch our dollars. So this is a study done by LendingTree, but this is six figures and broke where it's least common to see someone making six figures and feel broke. So number one is McAllister, Texas. Number two is Little Rock, Arkansas.

32:51Three is El Paso, Texas. Four is Jackson, Mississippi. You can see five is Toledo, Ohio. And you can go down this list and see the rest of those are going to be just really low cost of living states. Where conversely, if we look at six figures and broke where it's most common to feel broke and make six figures, you see San Jose, California, San Francisco, California, Boston, Massachusetts, Honolulu, Hawaii, Oakland, California, Washington, D.C., L.A., San Diego, Seattle, and New York. So these are the areas where we know the cost of living is significantly higher and$100 ,000 is not going to stretch as far.

33:29Now, ironically, these states also have higher taxes. Those taxes are going to eat into your amounts of earning power and how far those dollars will stretch. And so this is where it really is important to think through, well, is my location okay? The first thing I want you to think through is if you're in a high cost of living area and you're trying to decide, should I stay here? Should I go? There's a bunch of questions I want you to ask yourself. First is lower cost locations are going to buy you a couple of different things. First is lower housing costs. Your housing costs will go down if you move locations.

34:00And especially if you could do something like geo arbitrage, which we will talk about a Second, you will have lower childcare costs in some of these different areas. You will have lower taxes in some specific states, like taxes in Florida in comparison to taxes in New York. Big, big difference. You could have shorter commutes depending on where you are commuting right now, which means you have more time back that you could spend on increasing your income. Now, geo-arbitrage is something that you could do because it doesn't mean that you always have to move long distance. Sometimes you could just move to the suburbs inside of the city and your cost of living could go down, meaning at least your housing cost goes down and your commuting costs could be a bit different depending on how you set up your situation.

34:39Secondly, is there could be a nearby town that just has lower rent prices and can reduce some of those overall costs. You could also do remote work in a lower cost region. So if you're coming from a higher cost region and they're allowing you to do remote work, you can move to a lower cost region and do some geo arbitrage that way. And you can do some seasonal relocation if that makes sense for your specific situation. Now, when does relocation make sense? One, if you have no ties to that area and you are really struggling to get by in that area, that is number one. Number two is if housing is eating above 35 % of your income.

35:12You need to keep all of your housing costs below 30 % of your income, but if it's rising above 35 % of your income, that's where we're gonna have to rethink how we're thinking about this. If childcare and housing both are eating over 50 % of your income, that is another reason that we need to consider this. If healthcare or insurance costs are just way too high for you to be able to afford it. Or if you're saving too little, despite a solid income, this could be another reason that you want to leave that location. Now, let me tell you this right now. There is not any reason in this world, if your family is there and your roots are in a specific location, for you to leave that location.

35:45If you try to figure it out, you just need to figure it out. Because if your family is there, it's not worth sacrificing time with your family for money. It really is not. But you also need to make sure you have the ability to build wealth. So maybe we need to focus on increasing our income or developing some of those skills that are going to help us do this. And the other thing I want you to note is that moving isn't the silver bullet. This isn't something that is just gonna help you automatically. You still have to have systems in place when you do move for saving or investing or automating your finances.

36:14All of these need to happen in order for this to make sense. Because if you move and it doesn't make any sense, well, what is the point of even doing that? You have to have a system in place for all of this to make sense. Now, here is something we're seeing is that the middle-class dream is starting to disappear for some people. where median U.S. household net worth is lower for most people than expected, about$135 ,000 in some of the most recent estimates based on the Federal Reserve Consumer Survey. And the wealth gap between the top earners and the middle class is continuing to become greater.

36:45And so this is causing more people to feel like$100 ,000 isn't enough. And there's a fear of falling behind. I think a lot of people out there need to understand that they have this thing where they are doing what is called the comparison trap, where there's always going to be somebody making more than you. There's always going to be somebody doing better than you. There is always going to be someone who has the nicer car or the nicer house. And so we see people, peers who have the bigger house or peers who have the nicer car or social media highlight reels of people who are just doing things, going on these grand vacations that we are not going on.

37:15That is one of those areas where if you start to compare yourself to other people, it is going to cause your lifestyle to inflate. You will spend more of your hard-earned dollars on things you don't truly care about just to impress people you don't care about. And instead, what I want you to do is make sure that you understand that this is happening because comparison is something that is a trap. It is going to trap you in certain situations that I do not want you to get trapped in. Instead, we need to make sure that we are focused on wealth building. If financial freedom is your ultimate goal, we need to avoid that comparison trap if at all possible.

37:48But here's the good news, because there is hope for us all. And I think most people are just so stressed out that they don't know what to do next. They don't know how to get themselves out of this situation. What you don't need is you don't need to earn double the amounts you're earning right now. Sure, increasing your income, that's gonna make a big, big difference. And if we can focus our time and energy on that, which we'll talk about in a second, we can really make a big dent. But number two is you don't need to hit it on some single stock. And you don't need to catch up overnight. What actually works is building margin, control, and systems, and putting these different things into place.

38:23And so people who feel financially secure today, they have systems in place that allow them to automate their money. They have control over exactly what's happening with their next dollar. They measure their progress by their net worth and understand what their savings rate is and understand where their dollars are going. And they're intentional about where their money goes before it even shows up into their bank account. And so what I'm going to talk about right now is for each and every person to understand exactly what to do next. what you need to do if you feel this stress, if you feel this pain, if you feel this anxiety, you need to understand what is most important as we go through this process, all right?

38:59Number one is you need to lock in the foundation. You need to lock in the basics of what you need to be doing before you do anything fancy. And we need to first make sure that we focus on saving towards our emergency fund. Now, if you don't have an emergency fund in place, you need to have six months of expenses ultimately is where we wanna land. So we have something called the 136 method, meaning you save one month of expenses, then you pay off high interest debt, then you save three months of expenses, then you start investing and saving more, and then you save six months of expenses, all the way up to that time frame where if you have six months of expenses saved up, you can protect yourself against a number of different things.

39:35But the biggest one and the biggest reason why we have six months is in case you lose your job. If you lose your job, you want to make sure that you still have enough cash on hand to cover you until you find the job that fits your lifestyle. So really, really important to make sure you do that. Number two is we want to make sure that we are automatically investing in our retirement accounts. So your 401k match is very, very important. And if your employer offers that 401k match, that is free money. We need to make sure that we are taking advantage of those employer matches. But also looking at things like a health savings account or an HSA, which is one of the best retirement accounts out there.

40:13We have an entire episode talking about the HSA. We want to look at the Roth IRA. That is going to be tax-free growth that is going to help you tremendously over the long run. We want to look at our 401k. That is going to help us reduce our taxable income in that given year. And if you live in a state that has high income taxes, a 401k is a huge, huge benefit for you. And if you live in a state with high taxes, a 401k is a big, big deal. And so we want to make sure that we are looking and automatically saving and investing our dollars before anything else happens. Now you can send this money automatically into your brokerage account or your retirement accounts or your savings accounts to make sure that this is happening automatically before you spend everything else.

40:51And then cap expenses where possible. So you can only cut back so much, but folks who are making$100 ,000 per year, they probably have some room to cut back if you are living in a normal location. And so there's probably something where if you are spending as much as you're making, you can probably cut back in some different areas in order to reduce your overall costs. Now, another thing that's becoming increasingly important that most people need to note is you need to understand that you need to protect your financial life. Now, one of the ways to do this, and this is becoming even more important in 2026, is to do something like freeze your credit.

41:25But another big thing that you need to do is you need to remove your personal information from data brokers because there are data brokers out there who are taking your personal information and they are selling it to scammers and they are selling it to people who you do not want to have your personal information so if you google your name you google your address you google any of those different things and you see your information pop up that is a data broker website and on that data broker website you need to get that information removed as fast as you possibly can why because if someone gets a piece of your information but they don't have the entire financial picture, then they can go and buy your information from these data brokers and get the entire picture.

42:02So we want to make sure that we get that information removed. And the best way to do this is with a service called Delete Me. Now, Delete Me, I have been using for years and years now, and they have been one of the most amazing services that I have used over the course of the last couple of years, because they go to these data brokers and get your personal information removed and they follow up and make sure that information is continuously removed. And so this is one of those things that I have bought this for my entire family now. And it is one of those services that I truly, truly believe in.

42:30And we have been working with Delete Me for a very long time. So if you want 20 % off of Delete Me, just go to joindeliteme.com slash PFP20. And there you will find 20 % off. And I cannot tell you or recommend this service enough when you are looking to remove your personal information. Please take your data seriously and take everything you do when it comes to your finances online very, very seriously. Delete Me is by far one of the best things to do. We need to avoid financial fraud. I have seen so many people now that have lost a lot of their money to crypto scams, to phishing scams. This is happening over and over again where I'm getting emails on a weekly basis now, this happening.

43:07And so this is why we talk about this stuff so much is because we want you to make sure that you are protected. So we talked about some of the things that you need to do upfront, building that foundation with your emergency fund, building your foundation when it comes to your investments, building your financial protection plan, We also need to make sure that we're measuring the right things. We need to understand what our net worth is, and we need to measure that over time. Seeing that net worth go up over time is going to be very, very important, especially for the high earner. So you need to see that net worth tick up year over year.

43:34And tracking it at least on a yearly basis, if not a quarterly basis, can be very, very beneficial to anyone who is making over$100 ,000 per year. Secondly is your savings rate. You need to make sure that you're tracking your savings rate and how much you're saving every single month. This is the catapult to helping you build wealth. The difference between your income and your expenses is how much you can save. And as that number grows, and as your income grows, you can save more and more of that income, which will be the way that you get to financial freedom. Next, let's talk about some of the areas to cut back.

44:06Because if you feel deprived and you feel like there are some areas that you really need to focus on, I'm gonna give you some of the biggest levers that you can pull in order to make sure that you have some additional margins. So number one is housing. Housing is the biggest expense for most people out there. And so you have a couple of options here. If you realized, oh, shoot, I'm paying way more for housing than I should be. And this is one of those areas where I need to focus on. And there's a couple of things you could do. Number one is you could downsize. Now, this is easier said than done, but you could go and reduce your housing costs by downsizing or moving to a cheaper location.

44:37Number two is you could delay upgrades. So if you're spending a lot on your housing costs because you keep upgrading your house over and over again, you could delay some of those upgrades. make sure you're saving in cash, and then doing that. Number three is you can look at refinancing your mortgage. If you got one of those mortgages at a 7 % or 8 % interest rate, and you decide to refinance that mortgage, you could reduce your overall monthly payment significantly. You just have to run the numbers and make sure that the closing costs make sense in comparison to what the cost would be of what you're saving.

45:06And then obviously, like we talked about earlier in the show, you can move to a cheaper location, which can dramatically lower your housing costs. So if If you can lower your housing costs, you could save yourself anywhere from a few hundred dollars per month to a few thousand dollars per month, depending on how much you are spending. Number two is transportation, the ultimate wealth killer out there. If you're a person who went out and bought a brand new car and didn't realize that it depreciates at a 20 percent rate when you drive off the lot and about 30 to 40 percent in the first five years.

45:32And now you're realizing, oh, shoot, I got this huge car payment and I way overspent on a car. This is another one of those areas where we want to make sure that, A, we're following the rules that we need to follow when it comes to cars. So we have a rule called the 24-12-10 rule. And the way that this works is that you put 20 % down on a car. This is for new cars, okay? And the reason why you do that is when you drive it off the lot, if you get in an accident or you total that car, you can either get gap insurance or put this 20 % down. But if you total that car, you'd be underwater on that car if you don't have 20 % down.

46:04Number two, four years or less on your auto loan. That's what we want you to have is four years or less. I don't want you making payments every single year for the rest of your life. Instead, I want you to have a shortened auto loan timeframe that helps you reduce the amount of time that you have a car payment. Number three, as you hear that 12 number, now this is broken up into two parts. It is actually 7 % goes towards your car payment, nothing more than 7 % of your income. And the other 5 % goes towards repairs and maintenance. That's how we break that number up into 12%. And the last number is 10, meaning driving your car for 10 years or longer is what I want to see most people do.

46:38I have driven every single car that I've ever had for over 10 years, and I'm not going to ever stop doing that. That is one of the best ways to make sure that you have six years of no payments or longer just by following these specific rules. And if you have six years of no payments, you can take those extra dollars and put them towards things that actually matter. But you want to make sure that you are not spending too much on transportation. That's a secondary that most people spend too much on. Number three is insurance. So I want you to reshop your insurance annually, especially right now.

47:05The rising cost of insurance is absolutely crazy. Your car insurance, you should be having or going to an independent broker to get that car insurance cost reduced. And every single year, you need to position these independent brokers against each other to see who can find you the best rate. That is your ultimate goal. The same goes for your health insurance. The same goes for any other insurance that is out there. You need to reevaluate it on a yearly basis. Four is subscriptions. Making sure we reduce the cost of some of those subscriptions. Cut out the ones that you're not using. This should be logical, but most people just don't do it, and they have about$100 extra a month they're spending on subscriptions.

47:43Make sure you cut those off as much as possible, especially my folks who are earning$100 ,000 per year. Spending$20 on a subscription feels like it's nothing, and it feels like it's more laborious to go cancel than it is to kind of keep the subscription. No, we need to make sure that we get rid of those as much as we possibly can. Just doing these four things we just talked about here. could reduce your overall expenses by$300 to$500 every single month. Let's talk about the other one though. The other big one is food. Food is one of the big areas that most people do not look at. And if you don't track how much you spend on food, you could be spending way more than you actually think.

48:16So this is eating out and groceries. Where I have had most people look at their groceries and look at their grocery bill and say to themselves, I don't spend that much on groceries. And then they start to track and they're like, oh my goodness, I cannot believe how much I spend on groceries. It's one of those silent expenses that can creep up on you if you do not actually track it. And so those are some of the areas that I want you to focus on when you are looking to cut back. Cutting back on some of the small stuff doesn't matter. It doesn't matter as much as the big ticket items that we need to make sure that we are focusing on.

48:46Now, if you do all this stuff and you still feel strapped when it comes to making$100 ,000 per year, then we need to do the big, big thing, which is increasing our income. When you increase your income, you have infinite potential to make more. You can only cut back so much, but when you increase your income, you can make a lot more money over time. And so we want to make sure that we take the highest leverage path, which is why we want to look at a bunch of different things. Number one is your day job. So your day job is the number one place that you should try to earn more money. What can you do in order to increase the amount that you're earning at your day job?

49:21So we have a number of different episodes talking about how to negotiate your salary that we will link down below in the show notes. But this is going to be one of those different areas that I want as many of you as possible to try to negotiate your salary or build a system in order to increase your income at your day job. This is going to make a dramatic difference. This is a multi-million dollar decision is to decide to learn how to negotiate. And so I want you to make sure that you do that. Now, if you want our ebook or our guide on how to negotiate your salary, just go to mastermoney.co slash resources and we have a guide there for you.

49:52Secondly, is if your job is not willing to pay you more and you put in the time, you've put in the energy, you've communicated to them that you want to get promoted or that you want to earn more, and they still have not done it over the course of the last couple of years, well, then switching or job hopping is going to be the next thing that you need to do. So on average, folks who transfer companies or move on to a new company earn between 15 % to 20 % more just by making that move. And so I want you to start to make sure that you build relationships with other companies before you need them.

50:22When you build relationships with other folks before you need them, this is going to dramatically increase the likelihood that you can get another job pretty quickly if you need to, and you'll make a lot more money. You need people to go up to bat for you, and that's really important. Number three is to build in-demand skills. So we are going into a time where AI is taking over a lot of jobs, and AI is going to be able to take over a lot of those low-hanging fruit skills. What are skills that you could build that AI cannot replicate? These can be skills like sales. These can be skills like communications, networking.

50:53Those types of things are going to be very, very important as we start to get into the next couple of decades. And so you need to focus and learn some of those skills that AI cannot take over or will not take over over the course of the next couple of decades if you want to make more money. Also, if you're in the corporate game, master corporate politics. It's just one of those things that I hate, you hate, we all hate, but you've got to master the corporate politics game. Otherwise, you will start to fall behind. And so that is another big one that I think you need to look at. Now, we have a series on this podcast called Side Hustles That You Could Turn Into a Full-Time Income.

51:27And that is the next thing I want you to think about. I have tried side hustle after side hustle. A lot of them have failed. And some of them have started to succeed. We started to double down on and turn them into full-time businesses. And that's the way I want you to think about your side hustles as well. If you need more money and you need more income, you can look at side hustles and think of ways where you can do that. Our series shows you exactly how you can think about that and what you need to do in order to make sure that you set those up correctly. All right. So these are just some of the things that you could be doing in order to fix the situation that you're in with$100 ,000 per year.

51:59But continuing to listen to this podcast, we are going to give you the tools. We are going to give you the tips and tricks to ensure that you are successful when it comes to your money and building well. So if you're new here, make sure you give us a follow. If you're getting value out of this podcast, make sure you leave a five-star rating review. Thank you guys enough for that. Now, if you guys are still stressed about money, if you are still stressed about where your finances are going and you have no idea truly what to do next, then I want to invite you to join Master Money Academy. In Master Money Academy, my entire goal is I give you the step-by-step roadmap on exactly how to build wealth.

52:32And in Master Money Academy, we teach you about how to manage your dollars. We teach you how to invest your dollars. We teach you what the next step is no matter where you get started. But in addition, you get to join live coaching calls with me every single week, asking your questions. We have something called the Wealth Builder's Journey there. And this is going to allow you to accelerate your path to wealth and get there so much faster by just understanding the Wealth Builder's Journey and what you need to do next with every next dollar. So I encourage every single person here to check the link down below in the podcast show notes.

53:04For podcast listeners who have made it this far, who have made it to the end of the episode, I'm going to give you a special offer down below. And so I want you to check that out because you can't really figure out if Master Money Academy is for you until you get inside. So I want you to have access inside first to see what it's all about, to see what it's like. And then once you're inside, I know that you will stay. The majority of people who join Master Money Academy, they stay. In fact, I've talked to other peers who have communities just like this, and they cannot believe how many people actually stay inside the community.

53:34It's because we bring way more value than what we're actually charging for Master Money Academy. And so this is one of those areas where I want to see as many people as possible build wealth. My goal is to create a million millionaires, and Master Money Academy is my way that I am doing this. So if you are someone who's making $100 ,000 per year right now, and you listen to this episode, and you're saying to yourself, man, I really feel like I'm still living in this paycheck to paycheck cycle. I need some sort of solution. I need something that I can do in order to make sure I get myself out of this cycle, then Master Money Academy is going to be the place for you.

54:04And I want to see you inside. So check the link down below. It's gonna be a special link just for podcast listeners. And I really, really am excited to see each and every single one of you. Join me there. I'm excited to meet you inside there because every week when we do those coaching calls, I get to know you. And this is one of those areas in life where I cannot wait, wait, wait to help you. My passion is to help as many people as possible learn how to manage their finances so they can have peace and zero stress when it comes to their money. There is power in having zero stress with your money and you deserve to not have stress around your finances.

54:36All you need is a system. I will provide you that system. So would love for you to join Master Money Academy. Love to see you inside. Thank you so much for listening to this podcast episode and we will see you on the next episode. Stitch Fix. Shopping is hard. Let's talk about it. I don't have time to shop. So I buy all my clothes where I buy my seafood. I just want someone to tell me what shirt goes with what pants. I just want jeans that fit. Stitch Fix makes shopping easy. Just show your size, style, and budget and your stylist sends personalized looks right to your door. No subscription required, plus free shipping and returns.

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