Building a $100K portfolio from nothing is absolutely achievable. Here’s the exact roadmap.
Phase 1: Emergency Fund ($1,000)
Before investing, build a $1,000 starter emergency fund. Calculate yours with the Net Worth Calculator.
Phase 2: Capture Employer Match
If your employer matches 401(k) contributions, max it. This is an instant 50-100% return.
Phase 3: Max Roth IRA ($7,000)
Tax-free growth for decades. Compound interest does the heavy lifting.
Phase 4: Taxable Brokerage
After tax-advantaged accounts, invest surplus in low-cost index funds. Use dollar-cost averaging.
The Math
$500/month at 8% = $100K in ~11 years. $300/month = ~15 years. Check your timeline: Coast FIRE Calculator.
Read more: Building Wealth in Your 30s.
Set your $100K goal in Richify. App Store | Google Play
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