Growing my Net Worth to $100k | My Plan, My Goals, My Timeline + Getting Started *exact amounts*

[@PersonalFinancewithLeila]

Love this Zoe! I also don't count my car in my net worth. I JUST reached a $100K net worth in March (at 30 years old)...you'll definitely get there soon with these numbers. It took me 2 years and 3 months to go from $0 to $100K which was much easier/faster than going from -$82K to $0 (becoming debt free).

[@ZoePritchard]

Leila!!!! congrats on your milestone!! and everyone says its only up from there so LETS GOOO hehe

[@serenasneddon]

Girl I'm 30 and I have like $1,000 how do you make money 🤣

[@PersonalFinancewithLeila]

@@serenasneddon I documented everything on my channel! Lol but really it started with budgeting and tracking my spending. I started reducing expenses and throughout the years I've worked on increasing my income (job changes and side hustles). Money became like a game to me and eventually got easier and easier!

[@serenasneddon]

My problem isn't with spending, my problem is making money 😅

[@ulianabakhtiyarova6872]

So proud of you for making that appointment with the dentist! I had a long crazy journey with one tooth (and multiple surgeries related to it) and spend A LOT of money on it, with a dental insurance. It’s a less glamorous form of self care , but an important one. You’ve got this 💪

[@pipounette2000]

Hi Zoe, you have a ready good start! I was your age when I started my investment portfolio. I had a lot less than 60k when I started. I am now 43, I have a net worth of now 410k. You have everything to make it happen, I wish you best of luck and I will follow you on your journey ❤

[@ari__c95]

Did you know that getting to 100k takes longer than from 100k to 200k? Took 3.5 years to get me to 100k. Took me 1 year to 200k. :)

[@ZoePritchard]

whaaaat OK this is exciting!!

[@violettefemme21]

@@ZoePritchard Yes! Since for most people, once you get to $100k, a large portion of it is investments that are also working for you. When you really start out and you are building that foundation you've talked about, the money you are putting towards debt or towards an emergency fund, that isn't then growing itself as much as investments (obviously your emergency fund should be in the HYSA so you should be earning a bit of interest on it).

[@badlands9100]

so that means it took you 4.5 years total.

[@Alexandra_Rome]

That is really impressive 100k in 3.5 years and another 100k in a year what are you investing in 😂

[@ari__c95]

@@Alexandra_Romeboring index funds :)

[@StarletOfDavid]

I‘m turning 39 in a month and want to hit 100k at 40. 🎉🎉🎉

[@ZoePritchard]

yessss you got this!!! happy early birthday 🥳

[@StarletOfDavid]

@@ZoePritchard thank you!

[@ms.z461]

​@StarletOfDavid it's been a month since you left this comment. Did you hit £100k?

[@StarletOfDavid]

@@ms.z461 hey hey 👋 I turned 39 in April - I’ve got another 11 month - I’m positive I will. After that I will chill out for a bit though - it’s a bit obsessive 🤢. It’s really cool you asked though. What’s your story?

[@StarletOfDavid]

@@ms.z461 hello back, I think you can do it - I’ve been a steady full time job since I was 29 after having a kid and graduating quite late because of it. The first three years I wasn’t very well paid and also paid off the „little“ debt that I had (~10k). So having 22k at that point you’re far ahead. Consistency is key - but also remember to live a little and grab opportunities when they arise. Like going to the movies with your friends for 40 bucks - it might sting but you had a good time. I’m just learning that :)

[@darciegarand6054]

Girl! I’ve been watching your videos for a year and have finally paid off my credit card 🎉

[@ZoePritchard]

THATS IT!!! congrats 🫶🏼💸

[@luckystar225]

I am so proud of you Zoe. And I can definitely relate to the tendency to sit back at the sign of first results - I am the same way 😫 we need to keep each other accountable!!

[@ashlyn-marie]

Love this goal and this video! I’m on a journey to own a home mortgage free before I turn 30, and I LOVE watching others working on huge financial goals like mine! Rooting for you!

[@ZoePritchard]

ouuuu what an amazing goal!!! cheering you on!!

[@stephcee213]

The first 100k is the longest and hardest (in terms of motivation especially)!! It took me 3 years and took me another 2 to get to $1M. You’ve got this ♥️

[@ZoePritchard]

WHAT!!! OK this is amazing, congrats 🥳

[@kimberleysoares129]

That's amazing! How did you accomplish that?!

[@stephcee213]

@@kimberleysoares129invested over 50% of my income, kept my expenses ultra low (it was COVID so it was easy because there was nothing to do with my $$ anyways), bought undervalued real estate (made improvements to increase value), continued investing. I’d say a large contributing factor was also avoiding lifestyle creep as I got promoted at work. I will always live as if I only had my starting salary, and invest the difference

[@oluchinwagboso7996]

Only 2 til a million 😮 how did you do it?

[@Xoltris]

Great video! I'm starting my own journey to $100k net assets also! It looks like it'll take another 2.5 years which is exciting and glad I found this channel!

[@elvira820]

I feel like I'm so far behind 🥺 but your video and the positive vibes really motivate me to get going 💪🏻 as you said it's better to start small than not starting at all ❤ it might take a little longer, but it's time to do it 😊

[@dinagalall]

I made a cup of tea and started watching the video! You are doing incredible Zoe. I am so happy and proud of you. You inspire me so much as I also am trying to reach some financial goals so I feel like we are in this together. You got this!❤

[@elizamartin4263]

This is a great goal, Zoe. I'm not in the same financial situation as you but this is still motivating me to make progress on my huge student loan debt. Even though we're in different places, we're in this together! ❤

[@ZoePritchard]

YESS I agree!! I'm so cheering you on in paying off that debt, you can dooo it!!

[@Dividend-Shark90]

So cool you have this goal! I remember my first 100K, got pretty lucky all I did was sell a house I had been living in for a few years, property values spiked, and I sold. I remember receiving that cheque it almost didn't seem real to me.

[@prudencemay2647]

Hi Zoe❤, I am regular watcher I usually don’t comment on videos, However I really like your outfit. I just started watching this video. I am sure I will enjoy it as usual. Thanks for sharing your journey with us😊.

[@yaeamin3325]

Comparing the achieving of initial goals in personal fitness and financials initiatives is so real and relatable. This can be applied to so many categories of our lives; career, content creation/creative pursuits, finance, etc. Keep up the great work Zoe!

[@ZoePritchard]

thanks so much!!

[@elisabethb7641]

Love this video! A piece of advice for anyone starting to track their net worth - When I was 24 with my first “real” job, I made a decision to start tracking my net worth and created a spreadsheet with the balances in each of my accounts that I updated each month. I’ve kept the habit up over the past seven years - it just takes 5-10 minutes a month! - and can now look back and see how much of a difference my personal finance choices have made. Seeing how the number has grown is so much more rewarding to me than seeing the number itself. Really recommend!

[@ZoePritchard]

wow what a great idea !! i will do this 🫶🏼🫶🏼

[@shaileyd4846]

This is so exciting!!! I’m so excited to see you work towards achieving this amazing goal!!

[@Billy33753]

Love that everything’s broken down into categories

[@ZoePritchard]

had to get organized hehe!

[@YourRav]

You’re doing so good!!! My goal is to max out my Roth by the end of Q2 (2024 max is $7k). I’m super ADHD so I have to set quarterly goals, hyper fixate on that goal until it’s achieved and then move on to the next goal lol.

[@vivian8130]

Oh I really like this! I’m about half way there so this may be my Q2 goal now too 😊 thanks!

[@yogainthehartspace]

Really appreciate the shoutout and partnership with a Canadian company. So hard to find KZbin content both made by Canadians and featuring Canadian products - or even products accessible to Canadians.

[@ZoePritchard]

love supporting Canadian 🇨🇦❤️

[@elizabeththompson1525]

Loved this video! This is going to be a great series!!! Can’t wait to see it come to fruition! I also really liked your look in this blog- hair , makeup and outfit were on point 👍🏼🔥

[@loliwelch9151]

Great goal Zoe! When I was in my 20s, I set a goal to have $80k in investments by the time I was 30, and then based on 8% compounding interest I would have $1 million by the time I retired. I hit that goal and later realized that this is the concept of Coast FIRE 😎 Just for fun, calculate how much your money would grow after 20 years with initial balances of $100k, $200k, and $500k and 8% growth. You'll be surprised! Like Charlie Munger said, the first $100k is the hardest! ❤ Good luck Zoe!

[@ZoePritchard]

ahh you know what I didn’t even think to do this!! great concept for a follow up video, thank you 😍

[@loliwelch9151]

@@ZoePritchard Yay! 🕺

[@xgaimer8248]

This is so inspirational. I’m a bit behind where you’re at and this helped me find some direction. Im 24M and graduated in may starting from like -20k net worth. I’m following the Ramsey baby steps strategy, but I’m at a weird spot where I just finished my 10k emergency fund, am currently trying to save 10k for a car fund since I drive a super old car, and should be able to hit a net worth of about 50k by the end of the year or early next year. It’s been hard for me to context switch from the fast progress of paying off student loans, to getting ready for the significantly longer grind of saving for retirement and a house down payment and just general life things. Thank you for being so detailed at this stage in your journey. Hope you meet your awesome goals!

[@xgaimer8248]

That 50k might be 40k haven’t looked at my spreadsheet today haha

[@ReiShirouOfficial]

Just remember uncle Dave’s good for debt not good for investing

[@hcho7519]

Zoe you’re killing it! 🎉🤑

[@littlerunner4505]

You totally got this! Also, dental work expenses are the worst. They are so necessary but so expensive 😩 I had a crown done in January. Then had 4 more fillings needing replacement. Something like $1600 out of pocket after insurance paid $1k. Hopefully I'm done with teeth for the year!

[@williampaskewitz5383]

Great way to get points or cash back if put on a CC

[@KingaGorski]

So exciting about your journey to 100k and huge congrats on paying off all that debt! Side note to anyone reading: please don’t buy an Hermes bag (or any clothing/accessory item) thinking it’s an asset - it’s 100% a liability. It’s wildly rare that someone will pay full price for a luxury handbag that’s been used, therefore it cannot be considered an appreciating asset. That said, if someone wants to buy a luxury brand item for shits & giggles to enjoy their life - and they can reasonably afford it - then have at ‘er. 🎉👜

[@carriehawkins9103]

Great video! Also on the route to 100k!

[@ZoePritchard]

goood luck!!

[@cathys7082]

Inspiring video! I am on my 100k journey as well (goal is 3 years), after finally becoming debt free (no more pesky student loans!) just this past November :)

[@ZoePritchard]

woohooo!! good for you, this is amazing 💸🩷

[@RichardTouchfaith]

10 years later: Zoe's Net Worth $750,000 20 years later Zoe's Net With $1,500,000 And so on...

[@ZoePritchard]

ahhhh hopefully haha!! thank you so much for your support 💸

[@andrewclark6618]

And your dating options lessen the more money you make

[@lee-13]

Great video Zoe! Awesome motivator for myself.

[@Reindeers-Money]

Hi Zoe Just wanted to say I’m a big fan of your channel ❤ love watching your money talk videos.

[@ZoePritchard]

thank you so so much!!

[@carolinanu88]

Love that there is a video 🎉today 😊.

[@blackstripened]

One of the wisest things I've heard is "the relationship you have with money reflects the relationship you have to yourself".

[@ZoePritchard]

oooo that is good!!

[@AdrianAndre]

Remember your FHSA as well. Might be better to contribute there first than RRSP. You get the Tax credit and if you don't use it you can just add it to your RRSP aways. If you Max out your FHSA in 5 years time, you will have 40K (plus interest) and 35K from RRSP you can use to buy your first home.

[@edancefitnesswitherika1780]

Congratulations 🎊 🎉 also, where can I get that gorgeous cup of tea???

[@ZoePritchard]

i got it off facebook marketplace 🙈 but try amazon or etsy! 🫖

[@nauticaaa333]

how did you get your RRSP at such a high number?😭 did you max out every year?

[@ehr1188]

This is my goal too! Good luck! What proportion of 100K are you planning to keep CASH savings vs Investments?

[@ZoePritchard]

good luck to you too!! I'm going to keep the sinking funds in cash (so about $13k) and the rest in investments!

[@MrXXXX01]

Congrats it looks like you're on the right track! When I was your age I had about the same in investments and now at 30 its grown to almost 200k. Trust that the second 100k is AT LEAST 2 or 3 times easier and faster to get. Keep it up!

[@ZoePritchard]

love to hear this!!

[@luliig]

new video great way to start the weekend ☺️

[@ZoePritchard]

yayyy happy weekend 🩷

[@bpenguin]

I admire you, Zoe. Would love to connect. Anyone who has passion for personal finance is a friend to me.

[@Under510]

Eye-opening ideas! 👀

[@AG-so4gl]

Can we get the budget Tracker aligned to different currencies, IE for your overseas Subs?

[@ZoePritchard]

yes! you can change the currency within the Google Sheet :)

[@Jibril_Abdulkadir]

❤❤ Congrats that’s amazing I am trying to get to 100k as well

[@ZoePritchard]

thank you!! cheering you on 🩷💸

[@pauladantas6308]

Hey Zoey! Love the video. Would you mind sharing more about how you started your own business? I have started an administrative services business which have been a good supplement on my income but I would love to expand it to become a full time kind of thing.

[@regieds]

I'm 36, only have a $250k net worth. Feeling behind. Hopefully, getting to 500k won't take too long...

[@hollycvlogs]

Our lives couldn't be more different. Building wealth is a long way off for me since I have a ton of student loans. I have to get out of the negatives!

[@ZoePritchard]

that’s ok!! paying off debt is part of building wealth, some people ignore it and live it debt forever 🙃 you got this!

[@alysonlindley]

I personally count the car and not my travel fund or other sinking funds. As I already know I will be spending those funds.

[@ZoePritchard]

makes sense!! i debated including them, especially travel which is really meant to be spent, but I thought that including them would motivate me to fill em up LOL

[@jillianrh9996]

Can you use the budget tracker if you don’t have a google account? My sister wants to know because she doesn’t agree with gmail’s terms and conditions so she will never have a google account.

[@ZoePritchard]

it should work! it will be a tab on your browser:)

[@luxesmith4995]

That top is so cute! Where is it from?

[@ZoePritchard]

thank you!! the tank top is Garage and the sweater is Sezane 🩷

[@jessicatounkara8753]

Technically I think you are supposed to include your car in your total net worth. You could include it and increase your goal too.

[@AndyNC]

Net worth is good and fine, but just a number. You'll see a lot of changes after you have 100k in liquid assets that you can use to make more money.

[@davisamills597]

Took me 2.5 years to reach $100K. Only took 1.5 years to get to $200K

[@ZoePritchard]

wowwww i love this!! 😍 good for you!!

[@nadaxx7208]

would you mind asking how it went from 100K$ to 200K$ in a 1.5 years

[@christineg6123]

Hi your referral link isn't clickable

[@gabycruz814]

Love Jason’s comment!!!

[@ZoePritchard]

YES!!! a game changer for real

[@jollipetdrive3660]

Pay off your loans first starting from the smallest to largest. Unless you can guarantee your investments outpace your debt % every year. Once the debt is paid off your savings will grow more exponentially.

[@tonicktv951]

$265K took 8 years.

[@Dave-my1we]

After $100k the next $100k comes fast and each $100k comes faster and faster. Starting now is great…. Stick with it over your life and you will retire a multi-millionaire.

[@weho_brian]

budgeting/saving doesn't work (for me). I just learned to make more money so I could spend whatever i want 😁

[@ZoePritchard]

goals!

[@mansoor3159]

My comfort youtuber As Always Zoe😭🥹😭✨💗💗

[@brokemoneyfabulous]

I was so ready for you to make that dental appointment in French.

[@ZoePritchard]

hahahaa she answered the phone is english 😂 + i have no idea who to explain my situation in french

[@K-wx6ki]

There are certain things we build and grow that I wish were in net worth but alas not the case under capitalism. Friends family relationships experiences etc create memories and positive emotions that so many millionaires quite frankly lack. They might have higher net worth but not necessarily net satisfaction in life :)

[@ZoePritchard]

yesss! that is why I didn't like this term for the longest time...

[@m_m_m9594]

Belated congrats on paying off 40k debt 😊!!!

[@ZoePritchard]

thank youu!!

[@NicE-jq3wv]

Would love to see a what I eat in a day. ❤

[@kvgolfa]

Why'd you need a tooth extracted?

[@carryhq]

You should look into a solo 401k or Roth IRA with us!

[@frameofmind8800]

Net worth = Equity another way to look at it

[@SirHargreeves]

Well, you seem all set. Marriage and kids next?

[@LeveragedFinance]

You rich rich

[@AG-so4gl]

Buy Bitcoin before the Halving, IE mid April. Thank me later 😊

[@Dr_ITguy337]

Hermes bag considered an asset? Ummmm no.

[@ZoePritchard]

it very much is if you take care of it :)

[@Dr_ITguy337]

@@ZoePritchard So if you went to Tiffany’s and bought a 50K diamond ring new. You can’t sell it back for $50K is it an asset?

[@LivPoxleitner]

i hit 100k 8 months ago. almost at 200k. 55k to go. wish i started sooner of course. just turned 32.

[@carolinedavisreads]

yes!! go girl you got this 🤍

[@ZoePritchard]

woohoo thank you!!