
Saved $84K on my own and trying to reach $100K by the end of the year looking for advice
I’m 26F and recently hit about $84,000 in savings, and honestly, I’m really proud of myself. My goal is to reach $100,000 by the end of this year, and I’d love to hear any advice or suggestions from people who have been in a similar position.
I started seriously saving after I graduated in 2024. I didn’t have financial help from my parents, so everything I’ve been able to save has come from working, budgeting, and being intentional with my money. Seeing that number slowly grow has honestly been one of the most comforting and rewarding feelings. 🥹
I’m especially curious about what I should do from here. Should I focus on aggressively saving the remaining $16K, or should I be putting more of my money toward investing/retirement while still working toward the $100K goal?
I currently keep a large portion of my savings in Wealthfront. For those who use it, do you feel comfortable keeping a significant amount of money there? Is it safe, or would you recommend moving my savings to a traditional bank or another HYSA/fintech offering a better APY?
I’d also love to hear what you would do if you were 26 with $84K saved. Any advice on HYSA vs. investing, emergency funds, retirement accounts, paying down debt, or just general financial habits would be greatly appreciated.
And honestly, beyond the financial advice, I just wanted to share this because I’m really proud of myself. I started with very little financial support, and being able to build this much on my own in just a couple of years feels huge to me.
What would you do if you were in my shoes? ❤️