{"id":420,"date":"2026-08-04T19:24:21","date_gmt":"2026-08-04T18:24:21","guid":{"rendered":"https:\/\/milliondollardiary.com\/?p=420"},"modified":"2026-08-04T19:24:21","modified_gmt":"2026-08-04T18:24:21","slug":"my-401k-finally-hit-100000","status":"publish","type":"post","link":"https:\/\/milliondollardiary.com\/index.php\/2026\/08\/04\/my-401k-finally-hit-100000\/","title":{"rendered":"My 401(k) Finally Hit $100,000"},"content":{"rendered":"\n

Today I hit another financial milestone.<\/p>\n\n\n\n

I checked my 401(k), and for the first time ever, it crossed the $100,000 mark.<\/p>\n\n\n\n

<\/figure>\n\n\n\n

Honestly, I wasn’t expecting it.<\/p>\n\n\n\n

I thought I should have crossed that milestone a few months ago, but the market had other plans. My balance kept bouncing around between roughly $95,000 and $98,000. Every time I thought I was getting close, the market would pull back and I’d lose a couple thousand dollars. It felt like I was stuck just below six figures.<\/p>\n\n\n\n

Over the last few days, though, the market recovered. I decided to check my account real quick because I figured I’d probably be sitting somewhere around $98,000 or maybe $99,000.<\/p>\n\n\n\n

Instead, it was over $100,000.<\/p>\n\n\n\n

That was pretty dope.<\/p>\n\n\n\n

It took a long time to get here.<\/strong><\/p>\n\n\n\n

This account wasn’t built from one big investment. It was built by contributing consistently over a lot of years.<\/p>\n\n\n\n

When I was working three jobs, I was putting 50% of one of my paychecks into my 401(k). I lived off the income from the other two jobs and let that account grow.<\/p>\n\n\n\n

When I got my current corporate job, I rolled my old 401(k) into this one and started contributing 17% of my paycheck. For a while, I was also getting a 3% employer match from my previous company and a 4% match from my current one. I just kept contributing and left the money alone.<\/p>\n\n\n\n

Buying my condo slowed everything down.<\/strong><\/p>\n\n\n\n

When I bought my condo in 2024, I had to take a 401(k) loan to help with the down payment and to buy my dad out of his half of the third rental property we owned together.<\/p>\n\n\n\n

Between the loan repayment and everything else I was paying for, about $430 was coming out of my paycheck every month. I couldn’t keep contributing at the same rate, so I dropped my contribution all the way down to 6% just to make everything work.<\/p>\n\n\n\n

Later, once things became more manageable, I increased it back to 10%.<\/p>\n\n\n\n

A couple of months ago, I raised it again to 20%.<\/p>\n\n\n\n

My goal was to finally break through the $100,000 mark.<\/p>\n\n\n\n

Today, it finally happened.<\/p>\n\n\n\n

Now it’s on to the next milestone.<\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

Today I hit another financial milestone. I checked my 401(k), and for the first time ever, it crossed the $100,000 mark. Honestly, I wasn’t expecting it. I thought I should have crossed that milestone a few months ago, but the market had other plans. My balance kept bouncing around between roughly $95,000 and $98,000. Every … Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"footnotes":""},"categories":[1],"tags":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/milliondollardiary.com\/index.php\/wp-json\/wp\/v2\/posts\/420"}],"collection":[{"href":"https:\/\/milliondollardiary.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/milliondollardiary.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/milliondollardiary.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/milliondollardiary.com\/index.php\/wp-json\/wp\/v2\/comments?post=420"}],"version-history":[{"count":1,"href":"https:\/\/milliondollardiary.com\/index.php\/wp-json\/wp\/v2\/posts\/420\/revisions"}],"predecessor-version":[{"id":421,"href":"https:\/\/milliondollardiary.com\/index.php\/wp-json\/wp\/v2\/posts\/420\/revisions\/421"}],"wp:attachment":[{"href":"https:\/\/milliondollardiary.com\/index.php\/wp-json\/wp\/v2\/media?parent=420"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/milliondollardiary.com\/index.php\/wp-json\/wp\/v2\/categories?post=420"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/milliondollardiary.com\/index.php\/wp-json\/wp\/v2\/tags?post=420"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}