Building Your Money Machine

ACCOUNTANT EXPLAINS: Why Net Worth Skyrockets At $100k

Mel H Abraham, CPA, CVA, ASA Episode 352

Welcome to another enlightening episode of the Building Your Money Machine Show. Have you ever wondered why building wealth feels like such a slow grind in the beginning, but then—almost out of nowhere—your net worth starts accelerating? In today’s episode, I’m pulling back the curtain on a tipping point that changes everything: hitting your first $100,000 of investable net worth.

I know firsthand how discouraging it can feel to be saving, investing, and doing all the “right” things, only to see what looks like minimal progress. It’s like pushing a boulder uphill in flip flops during a windstorm while people shout useless advice at you like, “Just stop drinking coffee!” Trust me, I’ve been there. In this episode, I explain exactly why it feels so tough to reach your first $100K—and why, after that, building wealth starts to snowball thanks to the magic of compounding.

Together, we’ll break down the difference between total net worth and investable net worth—the number that actually matters for creating real financial freedom. I’ll walk you through why the initial push is so challenging, and how the habits and skills you build in those early years set you up for lasting success.

IN TODAY’S EPISODE, I DISCUSS:

  • Why the journey to your first $100K of investable net worth feels like the hardest part
  • The difference between total net worth and investable net worth
  • The critical identity shifts and new skills you need to go from “spender with good intentions” to confident wealth builder
  • The mindset and math behind opportunity cost
  • How long it really takes to hit key milestones

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