Saving $100k by 24 ✨

This is something I’ve never shared with my family or close friends.

It’s a milestone I hold close to my heart 💛

I started working full-time in Feb 2020, after graduating uni.

But I only started tracking my savings & investments in Oct 2020. At that point, I had about $30K saved.

Backstory:

• Started part-time work at 17

• Full-time work at 22

• I'm also lucky that my parents paid for my uni through a savings plan they bought when I was a child 🙏

When I started tracking, my only goal was to hit $100K as young as I could.

I hit that milestone in May 2022.

Yes, I had a full-time job. But I also took on plenty of side hustles that gave me flexibility. They helped me earn more, but in exchange for my time ⏳

Here’s what worked for me:

💼 Stayed consistent with my full-time income

🛍 Kept lifestyle upgrades small, no sudden big splurges

💼 Picked up flexible side hustles

📈 Started investing early, let compounding grow what I saved

📊 Tracked every month in a simple spreadsheet (seeing progress kept me going)

💡 Investments I started with (I’m a pretty conservative investor 😅):

• Put money into StashAway and an endowment plan

• Always kept enough emergency savings in the bank (just in case 🚑)

• Later, I expanded to Syfe, Tiger Brokers, and other platforms to diversify 🧩

Until today, I still diligently track every month in Excel. It keeps me motivated and grounded.

It wasn’t easy, more hours worked meant less free time but watching those small steps build up over a few years made a huge difference.

Consistency + discipline > shortcuts.

If you’re just starting out, you don’t need to do everything at once. Pick one thing, stick to it, and let time do the heavy lifting ✨

What’s a money milestone you’re working toward right now? 💬

If you’re reading this, I hope this reminds you to start where you are.

Small steps can lead to big milestones 🌱✨

I’ll find time to expand on the pointers above soon, especially around saving, investing, and balancing it with everyday life.

#mypov #moneytips #financialfreedom #realtalk #finance #retirement #sidehustles #savingmoney

2025/9/10 Edited to

Reaching a $100K net worth by the age of 24 is a goal that requires patience, discipline, and consistency. Beyond just saving money, I found that mindfully balancing earnings and spending was crucial. To complement my full-time job income, I took on side hustles that offered flexibility and extra cash flow, even though it meant sacrificing some free time. A key factor was tracking my savings and investments closely using a simple spreadsheet. This monthly practice not only made me aware of my progress but also kept me accountable, turning saving into a rewarding habit rather than a chore. I recommend anyone aiming for such a milestone to start small—track expenses, set clear but realistic goals, and keep your eyes on the bigger picture. On investing, I began conservatively with platforms like StashAway and an endowment plan, prioritizing safety while letting compounding interest work its magic. Diversifying later into Syfe and Tiger Brokers helped me grow my portfolio. Importantly, I maintained an emergency fund that gave me peace of mind along the way. Lifestyle choices also mattered; I avoided big splurges and kept upgrades gradual to prevent financial strain. It might sound simple, but small daily decisions can create a strong foundation for financial growth. For anyone starting out, remember: it’s about progress over perfection, and every little step counts toward building your financial future.