How to Build $100K in Five Years

Money Rehab with Nicole Lapin

Money News Network

Self-improvement, Business, Education

4.6 • 1.7K Ratings

🗓️ 29 January 2026

⏱️ 11 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

Your first $100,000 in investing feels impossible—until you see the math. Today, Nicole breaks down why the first $100K is the hardest money you’ll ever make, what changes mathematically once you cross it, and the path to get there… without a hot stock tip, crypto bro, or dumb luck. Nicole walks through a real, doable five-year plan based on the average U.S. salary —including exactly how much to invest each month, where to put your money, and how the beautiful power of compound interest quietly accelerates behind the scenes. Try Nicole’s Compound Interest Calculator Check out Nicole’s financial literacy course The Money School Find a Financial Advisor or Financial Coach from Nicole’s company Private Wealth Collective Watch video clips from the pod on Money Rehab’s Instagram and Nicole Lapin’s Instagram Here’s what Nicole covers today: 00:00 Are You Ready for Some Money Rehab? 00:18 Why Your First $100K Is the Hardest 02:53 Year-by-Year Investment Plan 03:05 Year 1: Building the Habit 04:00 Year 2: Gaining Momentum 04:33 Year 3: Growth Year 04:59 Year 4: Push Harder 05:37 Year 5: Reaching the Goal 06:00 Reality Check: Life Throws Curveballs 06:33 Passive Income 07:20 Your Next Steps and Resources All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.

Transcript

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0:00.0	There's a new little matcha shop in Studio City that I'm obsessed with. It's not just that they have incredible
0:05.6	macha lattes with cloud cream. It's also super cute, and they use Square to take payments. That means that
0:12.4	I can be in and out with my little afternoon, pick me up all with the tap of a card. There's something
0:17.6	about businesses that use Square. They just feel a little more put together.
0:21.8	Quick checkout, easy receipts, sometimes I even get loyalty points. Square supports every major
0:27.4	payment method, including tap to pay, and offers instant access to your earnings through
0:32.2	Square checking. Here's a real seller stat. Sellers save an average of 44 hours per month by skipping bank transfer delays.
0:40.4	With Square, you can track sales, manage inventory, and access reports in real time, whether you're in your shop, on the go, or running things solo.
0:50.1	With Square, you get all the tools to run your business with none of the contracts or complexity.
0:55.8	And why wait? Right now, you can get up to $200 off Square hardware at square.com
1:01.8	slash go slash MN. That's SQUA-R-E.com slash GO slash MNN. Run business Smarter with Square. Get started today.
1:13.1	It's 2026, you guys, and if you're still paying rent without built, it's time for a change.
1:18.8	Built is the loyalty program for renters that rewards you for your biggest monthly expense, rent.
1:24.5	Let me explain. With built, every rent payment earns you points that can be used toward
1:29.0	flights, hotels, lift rides, Amazon.com purchases, and so much more. I can't tell you how
1:35.1	obsessed I am with this business. You know how I'm always sharing money tips for people who are
1:40.2	renting, and in my opinion, there is no smarter financial move for renters than using
1:45.4	built. And here's something I'm really excited about. Starting in February, Built members can earn
1:50.9	points on mortgage payments for the first time. So homeowners, don't worry, you are not getting left out.
1:57.1	Soon, you'll be able to get rewarded wherever you live and unlock exclusive benefits with more than 45,000 restaurants, fitness studios, pharmacies, and other neighborhood partners.
2:07.4	Personally, I'd redeem my points for GoPuff home delivery. As the mom of a one-year-old, I need a lot of stuff. And when I need it, I need it now. It's simple. Paying rent is better with Built. And soon,
2:18.2	owning a home will be better with Built too. Earn rewards and get something back wherever you live.
	...

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