250. How Much Money Do I Need to Feel Safe?

Financial Feminist

Her First $100K

Self-improvement, Education, How To, Business

4.7 • 6.2K Ratings

🗓️ 28 August 2025

⏱️ 31 minutes

🔗️ Recording | iTunes | RSS

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Summary

Save your seat inside Business Bootcamp! Your COMPLETE roadmap to go from idea to income: ⁠herfirst100k.com/business-bootcamp I asked our audience one simple question: How much money would you need to feel rich? What I didn’t expect was a tidal wave of answers that weren’t just about income—they were about identity, survival, trauma, and the deep psychology of money. In this episode, I’m digging into the thousands of responses we received—from those saying $70K makes them feel secure, to others needing $750K+ just to feel safe in their high-cost-of-living cities. But beneath those numbers lies something even more fascinating: how we define wealth, comfort, and enoughness, especially as women navigating a world that tells us we should be grateful for scraps. This episode isn’t about hitting a random salary milestone—it’s about unraveling the emotional and psychological layers behind why we want more money and what it represents. From societal expectations to location-based cost pressures, from generational trauma to shifting lifestyle goals, I break down what your “rich number” might actually say about you—and challenge you to claim even more. Because financial safety isn’t simply a number. Read transcripts, learn more about our guests and sponsors, and get more resources at https://herfirst100k.com/financial-feminist-show-notes/how-much-money-do-i-need/ Looking for accountability, live coaching, and deeper financial education? Check out our exclusive community! Join the $100K Club: https://herfirst100k.com/100k-pod Our favorite travel and cash-back credit cards, plus other financial resources: https://herfirst100k.com/tools Not sure where to start on your financial journey? Take our FREE money personality quiz! https://herfirst100k.com/quiz Special thanks to our sponsors: Squarespace Go to www.squarespace.com/FFPOD to save 10% off your first website or domain purchase. Indeed Get a $75 sponsored job credit to get your jobs more visibility at Indeed.com/FFPOD. Rocket Money Stop wasting money on things you don’t use. Cancel your unwanted subscriptions by going to RocketMoney.com/FFPOD. Quince For your next trip, treat yourself to the luxe upgrades you deserve from Quince. Go to Quince.com/FFPOD for free shipping on your order and 365-day returns. Netsuite If your revenues are at least in the seven figures, download the free e-book Navigating Global Trade: 3 Insights for Leaders at NetSuite.com/FFPOD. Saily Get an exclusive 15% discount on Saily eSIM data plans! Go to Saily.com/FFPOD download the Saily app and use code 'FFPOD' at checkout. Masterclass Get at least 15% off any annual membership at masterclass.com/FFPOD. Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	I asked women how much they need to be making a year in order to feel rich. And the numbers pissed me off. And yeah, honestly, I'm probably about to call you out. This episode of Financial Feminist is sponsored in part by Squarespace, Rocket Money, NetSuite, and Masterclass. Whether it's for a brand, portfolio, or store, Squarespace makes it easy. Head over to Squarespace.com slash ff pod and use code ff pod for 10% off your first purchase. Stop paying for
0:01.1	Subscriptions. Squarespace makes it easy. Head over to Squarespace.com slash FFPod and use code FFPod for 10% off your first purchase.
0:24.0	Stop paying for subscriptions you forgot about.
0:26.0	Rocket Money finds and cancels them for you.
0:28.0	Go to rocketmoney.com slash ff pod to take control of your finances.
0:32.3	Running a growing business, NetSuite helps you manage it all in one place.
0:36.1	Download the free CFO's guide to AI and machine learning at netsuite.com slash
0:40.6	FFPod.
0:41.7	Learn from the best to become your best with Masterclass.
0:44.2	Get 15% off any annual membership at masterclass.com slash ff pod. Hi, I'm Tori. I'm a multi-millionaire. I'm a money expert, and I have helped over five million women get better with money.
1:05.6	And we had an Instagram post that absolutely blew up where I post the question, how much does your yearly
1:12.0	salary need to be in order for you to feel rich? I didn't expect to do a podcast episode about this.
1:17.8	I didn't expect to do another video about this, but the answers were so interesting.
1:23.2	The reason I asked in general is I have this general curiosity, right, of how people define wealth,
1:29.1	how people define what feeling rich looks like, but also our whole thing at her first Sender K is to
1:34.7	try to get people to talk openly about money. And there's nothing more open than specific numbers
1:39.8	and exactly what you might need in order to actually live the life you want. So I'm going to go through
1:45.5	all of the data here, including the average amount that people said in the comments, but also some
1:51.4	really illuminating things that poke more at the psychology of money about what we generally feel
1:58.5	about money and the people who have it and the amount of money we actually
2:03.3	truly need versus the amount we think we need. Okay, so let's talk about the numbers first.
2:08.6	We got a range of responses. We got some people who were saying, I need $20,000 a year in order
	...

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