Why getting to $100k is SO HARD and How to do it

Networth and Chill with Your Rich BFF

Vivian Tu

News, Business, Careers, Business News, Entrepreneurship

4.4 • 1.6K Ratings

🗓️ 10 September 2025

⏱️ 28 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

The last episode of season 2 is here! Don't worry, we won't be gone for long 😉 Vivian breaks down the mental and practical roadblocks keeping you stuck before six figures in this no-BS episode about cracking the $100K code. She dives into why hitting your first $100K isn't just about budgeting harder or side hustling more. From the psychological barriers that keep high earners living paycheck to paycheck to the compound effect that kicks in once you hit that six-figure milestone, this episode tackles the uncomfortable truths about wealth building that no one talks about. Plus, Vivian is answering questions sent in by the besties to help them (and you!) reach this financial milestone. Thanks to our sponsor, Lufthansa! Follow the podcast on Instagram and TikTok! Got a financial question you want answered in a future episode? Email us at [email protected] Learn more about your ad choices. Visit podcastchoices.com/adchoices

Transcript

Click on a timestamp to play from that location

0:00.0	The first $100,000 is a bitch.
0:02.4	The hardest part is in the beginning.
0:04.6	You need to decrease your spending and avoid lifestyle inflation.
0:08.7	Once you have that $100,000 saved and invested,
0:12.2	compound interest is working overtime for you
0:14.4	because the more money you put into your investments
0:16.5	and the longer time period that it's in there,
0:18.7	the more you are likely going to walk away with.
0:21.5	If you're working hard, shouldn't your cash?
0:31.9	What's up, rich friends, and welcome back to another episode of Net Worth and Chill.
0:35.9	I'm your host, Vivian 2, aka Yerich BFF, and your favorite Wall Street girlie.
0:40.9	Now, I've never been shy about sharing my now millionaire status. But before I got to the millions, I had to first hit $100,000.
0:50.6	And let me tell you, it was a struggle to get there. I'd happily go on record to say it was
0:56.2	actually harder to get to $100,000 in my bank account than it was to get to a million
1:01.8	in my bank account. So let's get into why it's so hard to hit six figures and ways you can actually
1:07.6	get there. Support for this show comes from Lufthansa. When you want to get away in style,
1:12.4	Lufthansa Allegrae offers a range of new features and amenities
1:15.4	across all travel classes.
1:17.5	The Lufthansa Allegrae business class allows you to choose
1:19.9	from five different seat options,
1:21.9	including the extra space seat or the extra long bed.
1:25.0	In the first class suite,
	...

Please login to see the full transcript.

Previous episode | Next episode

Disclaimer: The podcast and artwork embedded on this page are from Vivian Tu, and are the property of its owner and not affiliated with or endorsed by Tapesearch.

Generated transcripts are the property of Vivian Tu and are distributed freely under the Fair Use doctrine. Transcripts generated by Tapesearch are not guaranteed to be accurate.