All across the world, a lot of people want to improve their personal financial situation. Income is the first place people look to improve their circumstances, and now more than ever, earning 6 figures a year is a desirable goal. Those who make 100,000 dollars each year tend to have more flexibility in their lifestyle due to a high-paying job and sometimes even a side hustle with passive income to supplement that income. Explore the tips and results below to learn how to make 100k a year.
What Does a 100k Income Actually Look Like?
Those who make six figures a year can have a very different journey depending on their work experience, lifestyle, and whether or not they have a side hustle to supplement their income. Some jobs come with a 100k a year salary which many people use as their primary income. However, others may not be satisfied with their primary income below the six figures mark and will opt to earn money an additional way as a bonus.
A 100,000 dollar per year income can look vastly different depending on the individual and their living situation. A person who lives in an expensive city like New York or San Francisco may have to make upwards of 200,000 dollars per year to live comfortably! However, people who live in more affordable areas may require 100,000 a year to have an enjoyable lifestyle. Factoring in the cost of living is important when seeing how far 100k a year will stretch.
Jobs that pay over 100k come in all shapes and sizes. While many of these require a college degree, there are some high-paying jobs without a degree or experience needed. So if you worry about finding good-paying jobs without a degree, know that there are options out there.
Many people choose to have a side hustle on top of their day job to reach a six-figure income for the year. Some options include passive income opportunities like selling digital prints or stock photos online that will earn you extra money over time. Other side hustle options include delivering food with door dash and driving for Uber or Lyft.
How to Make $100k a Year—Legit Tips & Tricks
Choose the Right Industry
The first step to help you make six figures per year is choosing an industry that can provide you with a six-figure salary. Careers within STEM sectors like computer science, the medical field, and engineering are usually the highest paying. However other industries like Business and Sales have high salaries as well. The right career choice will heavily depend on your skillset and years of experience. This is why it is important to choose one that you enjoy.
Pursuing a career in your passion can also benefit job security and happiness. However, working hard to earn more money in an industry you do not like can be difficult and may lead to increased rates of burnout. This can affect job performance and money earned throughout the year.
Pursue a High Paying Career
After choosing the right industry, it is important to get a job within that industry. There are many different jobs in any given field, and some will pay more than others. For example, working as an engineer at NASA will likely earn you more money than working behind a local fast-food restaurant counter. Make sure you research and apply to well-paying jobs that will fall under your expected salary range.
If you are looking for a high-paying job, you will likely want to pursue a career related to your field of study and skill set or provide valuable experience. First jobs after getting a college degree are not always the highest paying but can lead to valuable connections and networking. This can help advance one’s career in the future.
Some examples of high-paying careers to help you make six figures include many medical positions such as doctors, anesthesiologists, and nurses. In addition to the medical field, other six-figure (or higher) jobs include engineers, law careers such as lawyers and judges, and finance positions.
Move to a Lower Cost of Living Area
If you want to live comfortably on 100,000 dollars per year, you must factor in the cost of living. The difference between six figures in one area versus another can be staggering when determining how much less expensive housing and other costs are in some areas. Major cities like New York City, Los Angeles, and Las Vegas are known for the high cost of living and can drastically impact how far 100,000 per year can stretch.
By choosing to live in a lower cost of living area, a lower percentage of your 100,000 a year income will go towards high-cost items like rent and utilities per month. With more spendable income, you can use more money freely for activities and items you enjoy in your lifestyle.
Move to a Higher Earning Area With Lower Taxes
If you do not mind putting in the extra effort to move, you can maximize how much 100k a year will earn you by moving to a high-earning area with low taxes. This is because your income tax rate may be much lower than in other areas depending on where you live and work. For example, if you have a job where you make 100k a year in California, you may lose more of that income to taxes per year than working a similar job in a lower tax state.
Due to their large economies and populations, it is usually the case that cities like New York City and Los Angeles have a higher cost of living but pay more as well to help cover the difference. Do your research to find states with lower taxes, higher earning potential, and high-paying jobs to maximize your income.
Have More Than One Stream of Income
In addition to a primary full-time job where you make 100k a year, it is important to have additional sources of income as well. These can include investments such as stocks and bonds and other property you own that you rent out. To make sure that six figures per year go as far as possible, having more than one income stream helps spread the income you are using.
For example, if your full-time job can only provide you with 100,000 a year, but you have additional forms of income that generate another 30,000 dollars per year, you have more financial freedom. This extra income also helps if you are looking for other career opportunities, investing, or paying off debt. Passive income opportunities are great for people who want to make more money with limited time.
Consider Your Expenses
If you want to make 100,000 a year, you must consider the cost of living. Choosing to live in an expensive high cost of living area can lead to many issues when trying to fit 100,000 a year of income into your life. But, on the other hand, by moving to a lower cost of living area, you can stretch your money further.
In addition to the cost of living, it is also essential to look at your expenses. The more you can reduce your living expenses, the less pressure you will have on your six figures a year income and the more free money you will have for things that interest you in life.
For example, setting up a monthly or weekly budget can help you analyze your common expenses like entertainment, shopping, and dining out. Doing this allows you to find areas to reduce your spending to free up extra income.
Invest in Education
Investing in your education can help you make 100k a year in the future. Getting a bachelor’s degree or advanced degree, like a master’s degree, can be extremely helpful when it comes to finding higher-paying jobs. However, education doesn’t always refer to a formal college degree. Good paying jobs without a degree exist in the form of certification programs. For example, electricians, plumbers, and other labor certification holders can land high-paying jobs with advanced skills and training.
In addition to getting an advanced degree, it is also important to invest in yourself by continuing your education after college through professional development courses or workshops that will help advance your career goals. Many people spend their careers trying to climb the ladder by working hard and earning promotions. If you want to make 100k a year, considering leadership degrees or training may be worth considering.
Negotiate Your Salary
Saving money is imperative for making 100k a year. By setting up a budget and putting away money each month to save, you can make your money go further. In addition to saving money, it’s also important to negotiate your salary when getting a new job or receiving a raise.
When interviewing for a new job, you can ask for a higher salary than they initially offer and point out your strong skill set and experience. Many businesses and companies have wiggle room for salary, and it is worth fighting for a more competitive income. If you are already working somewhere and are up for a raise or promotion, you should negotiate with your boss to increase your pay.
Asking for more money may seem intimidating, but it can help you make 100k a year. If you don’t ask, the company may keep that money for themselves. Therefore, it is worth acknowledging your skills and experience when asking for more money at your job and can increase your chances of earning six figures per year.
Cut Bills and Expenses
One of the best ways to make 100k a year is by cutting expenses. By cutting down your bills and spending, you can free up money in your budget to save, put toward retirement investments, or even start a side hustle.
To cut simple expenses that are unnecessary for survival, like eating out or ordering takeout, look into recipes that will help you cook food at home instead. Doing this can save you up to $150 a month, which adds up to $1,800 per year that you didn’t have before. Little steps and cuts can add up quickly to increase your chances of earning six figures per year.
Other ways to reduce expenses and bills would be to review your subscriptions like entertainment streaming. View which services you use most to keep, and consider cutting out the ones you do not use often.
Best Paying Jobs That Make 100k a Year
Many people can earn six figures per year in the long term with the following careers that make a lot of money. So, if you’re looking for top-paying jobs to start earning six figures, consider the best-paying jobs that put you over the $100,000 mark. Careers that pay well are desired by many, as the United States national salary average is currently $92,800. So, to make 100,000 dollars per year, get started by considering the following 100k jobs.
A creative director is in charge of overseeing the development and execution of ideas in creative. With an average salary of $104,733 per year, this job often requires a bachelor’s degree in graphic design or fine arts. The ability to think outside the box is key to landing this job.
The creative director in charge of overseeing the work is responsible for working closely with other departments in the company. For example, a creative director in digital media will collaborate with marketing and social media teams when launching projects.
A pharmacist is a high-paying job that requires a professional degree. With an average salary of $102,773 per year, you will need to complete an undergraduate program focusing on pharmacy science courses then an additional 3-4 years of a professional pharmacy program before being hired by a pharmaceutical company. Pharmacists are in charge of dispensing medicine, providing information on medication use, and coordinating care between patients and other health care professionals.
Pharmacist salaries vary based on geographical location, company, and license status. For example, a pharmacist working in a hospital setting may have a higher salary than one working in a retail pharmacy or even at their own pharmacy.
A professional degree is required to make 100,000 a year or more as an actuary. With a high annual salary of $100,810 per year on average, you will be responsible for analyzing information related to financial risk and uncertainty.
Although this job often requires a bachelor’s degree in statistics, mathematics, or other sciences, there are opportunities for workers with no prior formal education. With hard work and dedication, individuals can complete a two-year post-bachelor’s degree certificate program and pass a series of examination tests.
A risk manager is in a great position to earn 100,000 a year or more. If you are interested in finance and can handle numbers, this may be an excellent opportunity for you. Working as a risk manager often requires a bachelor’s degree in a relevant field such as business, finance, or the law.
A risk manager often has to make decisions throughout the day and take control of difficult situations. The role of a risk manager is to prevent and minimize financial risk and losses for their organization. With an average salary of $107,624 per year, you will need a bachelor’s degree and often 5-7 years of experience in a legal or insurance office.
The financial sector is always growing, and with an increasing number of jobs available in the financial sector, there are opportunities to make 100,000 a year or more. With a high annual salary of $107,272 on average, a tax manager must have a bachelor’s degree in accounting or another relevant field.
A tax manager is responsible for managing the financial affairs of their organization and ensuring that all aspects of bookkeeping are completed accurately. As a manager, you might also represent your company in meetings to ensure that your company’s interests are represented accurately.
A data scientist is one of the highest paying jobs in America, with an average annual salary of $100,448 per year. As a data scientist, you will be responsible for collecting and analyzing data to identify trends that can help your organization or company’s decision-making.
The ability to think outside the box and find relevant information is important for this job. You will need to make sense of the data or information you collect and communicate your results or findings.
For some people, a bachelor’s degree in computer science or mathematics is enough to make 100,000 a year as a data scientist; however, with dedication and hard work, you can complete additional courses that increase your opportunities.
Software engineers can make 100,000 a year or more with an average annual salary of $100,810. As a software engineer, you will be responsible for designing and building new computer software systems from the ground up for your company. To be successful in this role, it is important to have strong problem-solving skills and communicate effectively.
Software engineers need a bachelor’s degree in computer science, information systems, or a related field. In addition to your formal education, you will also need the experience to advance in this career path and make 100,000 a year.
Software Development Manager
If you have a passion for the technology industry and strong leadership skills, a software development manager is a great role to make 100,000 a year. With an average annual salary of $106,914, this job requires management experience and a bachelor’s degree in computer science or information systems.
As the software development manager, you will also have to have a strong understanding of your company’s overall strategic objectives. In addition, you will need to guide and oversee the work of multiple software engineers as you create new software systems or applications for your organization.
While a physician’s salary varies from state to state, the average annual salary is $187,200. With a bachelor s degree and a medical degree, you will be able to practice as a general practitioner or specialist and earn a six-figure income.
The basic requirements for becoming a doctor include four years of undergraduate studies and four years at medical school. In addition to your formal education, you will need to pass the United States Medical Licensing Examination (USMLE) and be licensed by the state you wish to practice.
A surgeon is a doctor who performs surgical operations. Surgeons earn a six-figure salary, with the average being 300-400k per year depending on surgery specialty and where they work. So beware of the thousands of dollars for medical school and be careful when considering a student loan.
Surgeons need an undergraduate degree in any major before applying to medical school, but most select biology or pre-med. It takes four years of medical school to become a general practitioner or six years for a doctor specializing in surgery. After completing medical school and finding a position, surgeons must complete three to eight years of surgical residency training before practicing on their own.
Consulting is one of those high-paying jobs without a college degree options. Companies hire consultants to help them solve their problems, provide professional advice, and grow their businesses. As a consultant, you will be part of high-end clientele that can afford your services and contribute to your six-figure income.
It is not required to have a bachelor’s degree to become a consultant, but you must have strong problem-solving skills and the ability to communicate clearly with clients. In addition, if you are interested in becoming a consultant, it is important to have business experience and professional skills. Taking accounting, project management, and other relevant courses will help prepare you for this career path.
High Paying Jobs on the Side to Earn 100k a Year
A popular way to supplement your income to get you closer to making a 100k income is to find a side hustle. Bringing in multiple streams of income increases your income per month in addition to a full-time job. This extra money can be used for debt pay-off or investing.
Cryptocurrency is a virtual currency and digital payment system based on encryption keys and cryptography to facilitate secure transactions, transfer funds, and create money. Bitcoin was the first cryptocurrency introduced in 2009 by an anonymous programmer or group of programmers under Satoshi Nakamoto. Since the introduction of Bitcoin, the popularity of cryptocurrency has expanded.
People who explore this newfound market and discover new opportunities in cryptocurrency stand to make a significant amount of money with their investments. People can mine cryptocurrency by participating in a mining pool, running miners on their computers, and building mining rigs. Other cryptocurrencies include Litecoin and Ethereum.
Start a Blog
Being a blogger can be a full-time day job, but many people use it as a side hustle. If you are interested in becoming a blogger, the first step is to start writing about an area that interests you and is relevant to other people. Consider topics you have experience with and that others will want to learn more about.
There are several ways for bloggers to make money, including Google Adsense, which displays advertisements on your blog, affiliate marketing, through subscriptions services, and selling your own product or service. These income streams can help you reach a six-figure income over time.
Check out this related post: How to make money blogging!
If you are a college graduate with some work experience or have an advanced degree, there are opportunities to teach English online. You can apply directly through a company’s website or seek out sites that act as go-between employers and teachers. Teaching online is lucrative because it is flexible.
A lot of people choose this path because they can set their schedules and work from home. Keep in mind that teaching online requires experience and a strong understanding of English. Applicants must have good communication skills and an internet connection.
Some companies to research include Palfish, Qfish, and Magic Ears. Be sure to consider experience, pay rates, and flexibility with hours.
Online tutoring is similar to teaching online. You will be assigned students for one-on-one lessons over the internet in various subjects, such as math, science, English, and music, with students looking to gain specific knowledge in these areas.
Enrolling in an online tutoring program and gaining experience can lead to a higher-paying position in the education field. By working as many hours as your schedule allows, your income can reach the six-figure mark with this side hustle.
Consider a site like Udemy or Teachable where you can choose a subject area to create your course that you have experience with. Then, you can create your curriculum and record a video to share with students to earn extra cash.
Sell Photos Online
Any site where you can upload photos and get paid for them is a good place to start. People are always looking for stock photos for their blog posts or articles that they need images for. So if you have an eye for good images, this is an excellent way to make extra passive income with your hobby.
Shutterstock, Adobe Stock, and Alamy are popular sites for selling stock photos. Another option is selling premium images on your own site or an eCommerce site like Etsy, where people can purchase images for prints or other digital works.
If you have a knack for making people laugh or teaching life lessons through video, being a YouTuber might be the perfect side hustle for you. Many popular bloggers started as content creators on YouTube when their blogs took off, and they had more material than they knew what to do with. Keep in mind that you will need to have a webcam, computer with editing software, and a YouTube account.
Start by making videos about emotive subjects or things people ask you about frequently. Many YouTubers collect payment from ads on their videos to earn more money to add to a potential six-figure income. Once the video is up, the money earned from ad revenue is passive income because your work is done at that point. The more views you have on a video, the more clicks on the ads, resulting in more ad revenue for your channel.
Data entry is a great side hustle for anyone with a computer and an internet connection. Sites like Upwork, Fiverr, or Freelancer allow you to browse jobs or create a listing for your services. In addition, you can list the types of tasks you are willing to do and set your pay rate.
Freelancing from home can be a great way to earn extra cash while working at your own pace. Some companies will hire you on the spot, while others take several weeks to review applications and conduct interviews. The average hourly rate for data entry workers is $10-$20.
Rent Your Car Out
Renting out your car for side hustles can prove to be quite lucrative. Websites like Getaround and Turo make it easy to find people who need your car and will pay you directly. If you live in a high-demand area, you could earn more money in your journey to make 100k per year.
Getaround will suggest the hourly rate based on your make/model and demand in the area while taking a 40% commission from your earnings. Similarly, Turo takes anywhere from 10-40% commission from your earnings, so consider how much money you could make with these services.
If you own a nice car, consider renting it out as a driving service with Uber or Lyft. Of course, you’ll need to meet the vehicle requirements (including insurance) and provide your car for this side hustle.
Rent Out a Room in Your Home
Sites like Airbnb, Hostmaker, and OneFineStay make it easy to list your rooms available for guests. To make the most money with this side hustle, consider renting out an extra room if you have one available in your house or maximizing space in your home to make it as appealing as possible.
Many people on vacation or traveling for work need a place to stay but may not want to stay in an expensive hotel. Sites like Airbnb and Vrbo showcase your listing to those traveling to your area on certain dates. The average person who lists a room on Airbnb makes around $280 per month in additional income.
Don’t want guests? Learn how you can rent out your unused space instead!
You’ve probably heard of sites like Fiverr and Upwork, but if you want to get started with freelancing, consider starting on your own website. This is a great option for writers and others who can publish their work on their site.
One form of freelancing your services to help you make 100k is to become a proofreader. Proofreading services include reading over blog posts, articles, infographics, and even upcoming books. This can be the perfect side hustle for after your day job to earn extra money per month.
If you enjoy the writing process, you can find freelance writing jobs on Textbroker or FlexJob. Companies or brands that need articles and blog posts written can provide a job description on the site, and you can choose what job fits your skillset to write.
Drive for a Delivery Service
Driving for a delivery service is another excellent way to make extra money without working a set schedule. These services will find you the most profitable areas in your city and allow you to pick the hours that work best for you. Choosing the hours you can work per month or even per week is a very flexible position.
Doordash is one of the most popular delivery services, providing deliveries for national chains and local restaurants. You, as the driver, will pick up the food ordered on the
Instacart is another excellent option if you enjoy grocery shopping. As an Instacart personal shopper, you have the chance to choose where and when you want to shop with a flexible schedule.
- Fast Payment
- You Pick Your Hours
- Preview Pick-up/Drop-off Locations
- Vehicle Usage
Get started delivering food with DoorDash.
You choose the time and delivery goals as your own boss.
Actual earnings may differ and depend on factors like number of deliveries completed, time of day, location, and expenses. Hourly pay is calculated using average Dasher payouts while on a delivery (from the time you accept an order until the time you drop it off) over a 90 day period and includes compensation from peak pay, tips, and other incentives.
Become a Virtual Assistant
As a VA, you’ll work remotely, helping clients with a wide variety of tasks. Virtual assistants help with administrative tasks such as research, scheduling meetings and travel arrangements, writing and editing projects, social media management, and more.
You can build your client base on your site or network to join sites like Zirtual and Fancy Hands. If you’re new to the industry, consider starting at Venn Virtual Assistants for more one-on-one training before branching out on your own.
As a VA, you can expect to make around $20-$50 per hour depending on the client and the task assigned. This extra income can help you on your way to making 100k a year.
Take Online Surveys
Another way to make money online is by participating in surveys. Many companies hire people for this task. The job is simple – read a short survey or watch a video and give your feedback or opinion on it. In turn, you’ll be compensated with cash, check, PayPal funds, and more per month.
These are all great places to start looking for surveys in your spare time. Depending on the survey company, you can expect to make about $10 per hour or so. This side hustle is a great way to make more income after your full-time day job and increase your total income to make 100,000 per year.
- Survey Junkie: This online platform is quite simple and great for those wanting to get started. Users can select surveys regarding various topics like commercials, products, and services. Each survey has a different length and time, and your rewards increase with longer surveys.
- Inbox Dollars: This online site is a great way to earn extra cash. Job tasks include taking online surveys, testing out online games, reading emails, and watching videos. Some rewards include money, cashback for shopping, and coupons.
- Swagbucks: Similar to Inbox Dollars, Swagbucks offers users extra cash and gift cards to take online surveys, test out new games, and watch videos. However, one unique thing Swagbucks offers users is the chance to earn rewards by using their search engine to surf the web.
Free app that pays you in cash and gift cards for shopping online, watching videos, taking surveys, searching the web & playing games online.
- Variety of rewards options
- In-store & On-line cash back rewards
- Very easy to use website & mobile app
- Some offers require a lot of effort to earn rewards
- Some tasks don't offer many points
Start an Online Store
Another great side hustle to increase your chances of making 100,000 per year is starting your own online business or store. By running your site, you have the chance to set your hours, do the work from home after your full-time job, and be your own boss. So get started on this business and make money by checking out these methods.
- Dropshipping: This eCommerce method allows business owners to accept custom orders from customers and then purchase the goods from a third party. For example, your business could market custom t-shirts. Once an order comes in and you have made the sale, you will purchase the goods. Dropshipping offers less risk to business owners because they do not have to spend thousands of dollars on inventory before selling.
- Shopify: Using this online platform is a great way to make more money with a new business. This site offers a place for business owners to sell products online while also communicating with customers, managing finances, and arranging shipping details. Selling on this platform can help you make 100,000 per year with your side hustle profits.
- Etsy: Similar to Shopify, Etsy is an online site where users can sell things like digital and handmade products. The average Etsy seller earns about $75 per week. You don’t need years of experience selling products to join Etsy and sell products you enjoy making. For example, selling digital prints is a great way to earn passive income while working your full-time job.
Write a Book
Writing a book is a great way to make 100,000 per year because you can publish it on Amazon for free and make money from each sale. After publishing online for downloads, you are earning passive income. Use your free time after work every day to write about something you enjoy or even use this side hustle as a way to make money online while traveling.
Many people get started with Kindle Direct Publishing, a popular site for authors looking to publish their book. You can write about your passions or use your writing skills to review books online. Using Kindle Direct Publish could make you a significant amount of money with 70% royalties on books between a certain price range.
How to Make 100k a Year FAQ
Is a Salary or Side Hustle Better for Making $100k?
When analyzing our personal financial situation, it is important to see where most of our money is coming from. If you are willing to dedicate time and money into education towards a high-paying job, it will pay off more with a higher-paying job that will earn you six figures a year. However, if you make less than 100,000 per year, you will need to obtain more money from multiple income streams with a side hustle to reach your goal.
How Much Do I Need to Make a Day to Make 100k a Year?
To make $100,000 per year, you will need to earn roughly $278 a day. With the average month being 30 days, you would need to make a little less than $2,100 per week, bringing your monthly total to $8,333 per month. Following this setup will help you reach the goal of $100,000 per year.
What Is the Easiest Way to Make $100k in One Year?
The easiest method for making 100k in one year is to take the above methods and advice and adapt it to your lifestyle. Choosing a high-paying job, investing in your education, and being smart with the money you have coming in is a great way to start making thousands of dollars and earn six figures.
Making 100k a year is a goal that requires planning and dedication, but following the above advice can help you reach your personal finance goals. In addition, if you want to learn a new side hustle, this method can offer you multiple streams of income and help you could make hundreds or even thousands of extra income after your day job ends.
How Can I Make $100k a Year Without a Degree?
When you are trying to make a lot of money, it is important to think about your career path and where you want to be in the future, for those without a degree who want to earn 100k or more annually can take many different approaches for this goal. The best route is taking on side hustles that use your full-time job skills and transfer them into a new career path. Selling things like digital prints or products on sites like Etsy, writing an eBook, or becoming a social media influencer are popular choices for making 100k a year without a degree.
How Can I Make 100k a Year in Passive Income?
Passive income is a great way to make money while sleeping or traveling. However, to make 100k a year in passive income, you will need to invest time and money upfront in setting up your income streams.
Some popular methods for making passive income include:
1. Investing in stocks or index funds that will offer dividends or capital gains over time.
2. Creating a digital product or service and selling it online through a site like Amazon.
3. Starting a blog and using affiliate marketing or Google Adsense to make money from ads posted on your site.
4. Creating YouTube videos and becoming a partner with YouTube to make a share of the ad revenue.
Is 100k a Year Rich?
Making 100k or more per year is considered an upper-middle class in the United States. This salary range puts you in a comfortable place but may not be quite enough to be considered “rich.” However, there are many ways to make 100k a year, and with the right approach, you can reach this goal.
How Comfortable Is Life for Those Who Make 100 000 or More a Year?
The short answer is yes. You can live a comfortable life making 100k a year. This salary range puts you in the upper-middle class in the United States and offers a comfortable lifestyle with some room for savings and investments.
However, it is important to note the level of comfort you experience can vary depending on household expenses, family size, and the cost of living.
Final Thoughts—How to Make 100k a Year
Now you know how to make 100k a year! Making 100k or more a year is a goal that can certainly be reached with the right approach. To make this much money, you will need to have a high-paying job, invest in your education, and make smart choices with your money. You can also reach this goal by embracing side hustles that use your full-time job skills and transfer them into a new career path.
You can make 100k a year in passive income with the right methods. To make 100k a year in active income, you will need to invest time and money upfront in setting up your income streams. By following the advice listed above, you will set yourself up with a solid plan to reach your financial goals.