$10M vs $100M: The Difference Between Being Rich and Really Rich
Moneywise
Hampton
4.8 • 674 Ratings
🗓️ 1 July 2025
⏱️ 24 minutes
🧾️ Download transcript
Summary
Jackie breaks down exclusive data from 127 millionaire founders inside Hampton, revealing how motivation, money management, and mindset evolve as net worth grows, from $1M to over $100M.
Here’s what we talk about:
- Why financial security stops being a motivator after $50M—and what takes its place
- The "F*** You" number: What real numbers show is the threshold for total financial freedom
- Wealth allocation shifts: Crypto disappears, bonds and real estate dominate at the ultra-high end
- Surprising insights into monthly cash burn, and how spending changes (or doesn’t) across net worth tiers
- Take-home income jumps dramatically past $50M—especially at the $100M+ level
- Time vs. money: Wealthier founders are working fewer hours, but that doesn’t guarantee happiness
- What motivates founders at every stage—and why some feel lost after hitting their big number
- Real quotes from founders like Brian Johnson and Alex Peykoff on why they build, invest, and spend the way they do
$50M is when founders stop caring about money entirely. Want to see what other millionaire money secrets we uncovered in the full report? https://www.joinhampton.com/wealth-report
Cool Links:
- Hampton https://www.joinhampton.com/
- Lower Street https://www.lowerstreet.co/
Chapters:
- (00:29) Survey Insights: Wealth Allocation and Trends
- (01:02) Understanding the Respondents
- (03:09) Motivations and Milestones of Millionaire Founders
- (04:13) Case Study: Brian Johnson's Unique Motivation
- (05:47) Financial Security and Lifestyle Changes
- (08:47) Money Management: Crypto, Bonds, and Real Estate
- (10:46) Cash Flow and Spending Habits
- (16:14) Work-Life Balance and Happiness
This podcast is a ridiculous concept: high-net-worth people reveal their personal finances. Inspired by real conversations happening in the Hampton community.
You Host - Jackie Lamport
- Not really the host, but the producer.
- Wrote this sentence.
- Older than I appear, I promise.
Transcript
Click on a timestamp to play from that location
| 0:00.0 | When you have wealth, you need to see all of it in real time across every account, every asset class, anywhere in the world. |
| 0:08.4 | That's why I use Kubara. It's the only platform that gives me a complete and real-time view of everything I own. |
| 0:15.5 | That means bank accounts, stocks, private investments, crypto, real estate, and even personal assets like art and collectibles. |
| 0:23.6 | But it's not just about tracking where I am today. It's about understanding where I'm headed. |
| 0:29.1 | Kubera's fast forward feature lets me model out different financial scenarios. So that means market shifts, |
| 0:34.5 | liquidity events, major purchases. So I always have a clear picture of what's |
| 0:39.2 | next. I depend on Kibera to say on top of my wealth. And if you want the same clarity, go to |
| 0:44.1 | Kubera.com. That's K-U-B-E-R-A.com. |
| 1:00.6 | Here's something that most founders worth $10 million don't have in common with those worth $100 million or more. |
| 1:02.0 | Their motivation. |
| 1:07.1 | Yeah, founders worth $50 million or more typically aren't motivated by financial security anymore. |
| 1:08.3 | Surprise, surprise. |
| 1:11.4 | And from that, you can deduce that that fear, that financial insecurity, it goes away at $50 million. This is, according to data, collected from 127 |
| 1:17.8 | verified, vetted millionaire founders from the Hampton community. On money-wise, we typically get |
| 1:23.5 | inside the finances of one person at a time. But in this episode, we're looking at trends. |
| 1:29.3 | Like the differences in how people worth 100 million allocate their wealth versus people worth |
| 1:33.9 | one or five or 10, wait until we get to the crypto bit. Or how much cash these people are actually |
| 1:39.3 | taking home and what they're spending every month. And in addition to the survey data that I'm |
| 1:43.9 | referencing here, |
| 1:44.5 | I'm also going to be referencing my experiences speaking with over 100 different |
| 1:49.0 | millionaire founders making this podcast over the last year and a half. |
| 1:55.3 | Before I actually break down some of this data, |
... |
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