Redditors who say they make over $100,000 without being 'killed' by stress are discussing the type of jobs they have

  • A Redditor asked for advice on how to find a $100,000 job that wasn't stressful and it went viral.
  • Thousands of users on Reddit described their jobs from roles in tech to management positions.
  • Some Redditors said they're paid over $100,000 and work less than 40 hours a week.

Insider Today

A Redditor asked for advice on how to make over $100,000 without being "killed" by stress on Thursday and the post quickly went viral.

The post in the subreddit r/careerguidance generated over 6,800 responses and counting on the platform and made the site's front page on Thursday. The Redditor said that while they have a bachelor's degree and graduate credits they still make less than $60,000 a year in an area with a high cost of living.

"I continually stay til 7-8pm in the office and the stress and paycheck is killing me," the Redditor with the username SometimeTaken wrote.

Insider reached out to the poster but was unable to verify their identity or the identities of any of the responses cited in the story. The Reddit poster said they currently work as a learning and development specialist at a nonprofit company. The median total pay for a learning and development specialist is $68,337 per year, according to GlassDoor.

"So what's the secret sauce, Reddit?" user SometimeTaken wrote. "Who has a six figure job whose related stress and responsibilities isn't giving them a stomach ulcer? I can't do this much longer."

Several Reddit users encouraged the poster to give up on nonprofits. "Underpaid and overworked is my experience with that," one user wrote regarding nonprofit organizations in a post that generated over 1,700 upvotes.

Another Redditor said that when they left a major tech company for an environmental non-profit their salary dropped to around $140,000 but their "mental health drastically improved."

Several Redditors said they've taken on roles that pay over $100,000 a year and require them to work less than 40 hours a week. One Redditor with the username BlueMountainDace said they work about 20 hours a week as a Global Campaign Manager with a take home pay of about $125,000. GlassDoor estimates that the median total pay for a Global Campaign Manager is about $151,533.

"Just spent the last 2 hours watching 'Boston Legal,'" u/BlueMountainDace wrote. "Had my 6 month review and was told, 'You're wonderful to work with and really talented.' The only bad thing is that even working as little as I do, they still think I work really fast so I'm getting a lot of new projects added to my list."

Many Reddit users said they work in tech. Though, tech giants like Microsoft, Google, and Meta have been hit hard by layoffs in recent months, several posters said they've found smaller companies are eager for more workers.

One poster, u/BobcatRoyal, who described his role as a "code monkey" said his job requires "less than 30 hours of actual 'work' work" per week and vacillates between short periods of 50-60 hour weeks and longer stretches of 15-20 hour work weeks. Other users who claimed to be software engineers in the thread described similar work levels. In the US, the media total pay for a software engineer is about $107,362 a year, per GlassDoor.

"Sometimes I feel like a six-figure slacker," the user called BobcatRoyal wrote. "But even at my lowest levels of productivity, the automated processes I build serve tens of thousands of customers a day, and rake in millions and millions of dollars of revenue for the company every year."

Another common response came from posters who claimed to work in project management positions. GlassDoor places the median take home pay for project managers in the US at about $85,028.

"I love project management," one Redditor wrote. "I don't have to do the hard work I just have to let everyone else know what's happening, why, and how we are going to continue this way or fix it. It is great for social people who work remotely because I have a lot of meetings and get to talk strategy, which always excites me. Pretty high pay ceiling, and there's not really one set path to entry."

Do you work in tech or have insight to share? Reach out to the reporter from a non-work device at [email protected]

first 100k job reddit

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How to save your first $100,000: The top 9 steps to help

The common mantra on wealth-building blogs and investor forums is that the first $100,000 is the hardest to save.

And well, yes, it is.

But it’s not impossible, so long as you’re willing to crunch the numbers and make some sacrifices.

While it won’t be easy, it also doesn’t have to be complicated.

Saved your first $100,000 already? Awesome! Head to our page on the Smart ways to invest $100k .

Read our guide on the nine part step-by-step process with tips for saving your first $100,000 in as little as five years (yeah, you heard that right!). Let me show you what I mean.

1. Adjust your mindset

If you want to save $100,000, you’re going to have to think and act differently than most people around you.

Why is that? We overspend. We naturally sometimes live beyond our means.

So, before doing anything else, adjust your mindset. By which I mean, sacrifice.

That doesn’t mean you can never drink a iced caramel macchiato from Starbucks again, but it means you can’t maybe do it every day or twice a day. It doesn’t mean you can’t own a car, but it means you probably shouldn’t lease a new one every couple years.

If you’re  already not doing those things, amazing. If you’ve made all the financial sacrifices you can while still letting yourself enjoy life (after all, we’re not total fun-suckers over here!), then jump ahead to step 2. But if you know you can be a bit loose with your bank account, then you need to get tough on yourself.

You have to live beneath your means.

If you are struggling to keep your spending in check, ask yourself why.

Are you hanging out with people who make more than you and can afford to spend more than you? Are you trying to keep up with a lifestyle you can’t afford?

Or, do you not make enough money to cover all your bills? (This is a very valid and all-too-common situation for many of us, and one that we’ll address later.)

If you’re not living within your means, you need to get this under control before you can aim to live beneath your means.

2. Establish your money goals

‘Would you tell me, please, which way I ought to go from here?’ ‘That depends a good deal on where you want to get to’, said the Cat. ‘I don’t much care where’ said Alice. ‘Then it doesn’t matter which way you go, said the Cat’ – Alice’s Adventures in Wonderland

Once you’ve decided you want to live a frugal life , the next step is to set your money goals. The point is to plan a vision of where you want to go.

There are plenty of ways you can get creative with this, but my favorite way is to visualize my goals . Many people do this with paying off debt , but it works just as well with savings goals.

I’ve used a vision board as a way to establish my money goals and get them down on paper. If you are more analytical and love a good spreadsheet, then check out our free monthly budget template for Google Sheets .

Ultimately, you just want some sort of documentation that you can refer back to in order to track your progress.

3. Swear off credit card debt

Having debt (credit card debt, student loans) is going to throw a wrench in your plan to save $100,000.

Before you start saving your first $100,000, you need to get rid of your high-interest debt.

Saying it again: get rid of your high-interest debt.

Once you get rid of this debt, you can then start working towards that big savings in the sky.

In the meantime, try your best not to take on any additional debt. While it can be tempting to continue borrowing money, it isn’t going to get you any closer to your goal. The opposite, actually.

4. Create a budget

Before you know how much you can set aside, you’ll need to know where you’re spending your money. Then you can create  a rough plan for how to reduce your spending and increase your saving.

Yes, we’re talking about the dreaded budget. But there are ways to make budgeting easier.

You could use one of the many free or low-cost budgeting apps that will track your spending for you. Note that these resources each have pros and cons, so do some research before committing to one.

You Need A Budget ( YNAB ) , for instance, requires more manual tracking, but it provides you with much more detail on your spending. It all depends on how much time you want to invest in budgeting.

How to start budgeting

A good place to start budgeting is to knock off between 20% and 30% of what you typically spend, then set that as your budget amount.

For example, let’s say you find that you spend $400 per month on groceries. You’ll want to shave 20% to 30% off that amount to use as your grocery budget:

$400 – (400 x 0.20) = $320

$400 – (400 x 0.30) = $280

So, you would start with a grocery budget of $320 and see how you do, then maybe cut down to $280. Look at your budget categories each month and try to cut them even further.

Examples of other areas where you may be able to cut your costs to save money include:

  • Eliminate subscriptions. Take inventory of your subscription services and cancel any that you don’t use or need. These can include streaming services, memberships, and subscription box services. PocketSmith is one budgeting app that helps with that.
  • Eat at home. Cook your meals at home instead to save off the cost of eating out or grabbing take-out . This includes making your own lunches and daily latte for work.
  • Entertain at home . Instead of going out to a bar, invite people over to your place and tell them to BYOB (and some for you too).
  • DIY . Instead of going for a blow-out, getting your nails done, or taking your car to a car wash, do it yourself to save more money.
  • Take public transit . Save on gas by taking public transit or walking to your destination.
  • Downsize . If your rent or mortgage paymen t is consuming a large portion of your income, consider moving to a smaller place. You can do the same with your car. If you’re a two-car family, ask yourself if you can get by with one car or find something that is more economical.
  • Do free things . Look for inexpensive or free ways to entertain yourself. Want to go to a concert? See if you can volunteer to gain free admission. Want to check out a museum? Look online to see if they offer free admission on certain days.
  • Shopping discounts (especially online). Save with the  best coupon and promo code tools by getting help to find the best deals or saving automatically with purchases you were going to make anyway.

5. Save, save, save

You’re on step five. Congratulations! By now you’ve figured out the first steps, and you’ve created a budget. Now it’s time to start saving that $100,000!

To do this (especially in as little as five years), you’ll have to be aggressive with your saving. Remember when I said, “adjust your mindset”? Well, this is it.

For starters, look into your company’s 401(k) plan . If they have one, sign up now. You can contribute up to $23,000 for the 2024 year (more if you’re over 50).

Figure out whatever percentage of your check you need to take out to add up to $23,000 by the end of the year. Then take that percentage out of every paycheck.

For example, let’s say you make $40,000 per year:

$23,000 / $40,000 = 57.5%

So, you’d need to sock away about 58% of your gross income to reach this milestone.

Yes, that amount is a lot. Far more than what most Millennials and Gen Zs can afford if they live on their own.

But the good news is you don’t have to max out to save $100,000. Not even close to that, in fact. I’ll show you the math below, but for now, just know that something is better than nothing. If you can max it out, go for it, but don’t think you’re doomed if you can’t right now.

But be sure you don’t go over $23,000 in personal contributions, or you may get hit with penalties. (Your total contribution maximum — of your and your employer’s contributions — is either $69,000 or 100% of your salary, whichever’s less.)

After you’ve maxed out your 401(k), you’ll want to set up an Roth IRA .

In 2024, the maximum contribution for a Roth IRA is $7,000 per year for those under 50.

Also, this is after -tax money, so you’ll have to include that in your budget.

To set up a Roth IRA, you can use a robo-advisor such as Wealthfront .  If you want to make things as simple as possible, you can choose from one of their existing investment portfolios, or you can create your own from scratch.

When creating your own portfolio using the best robo-advisors you can add the investments that you feel most passionate about including socially responsible investments, technology ETFs, and healthcare ETFs. 

How does this add up to $100,000?

Using MU30’s simple long-term investment calculator , you can see that by maxing out both of these accounts ($30,000 a year or $2,500 a month) at an average 8% return, you’ll have well over $100,000 in five years.

And the reality is you don’t actually have to contribute that much. Even just half of that per month will get you over $100,000 in six years, assuming an 8% return (the average return rate for both 401(k)s and Roth IRAs generally ranges between 5% and 10%).

6. Keep saving (even if it isn’t as much as you planned)

At this point, you might be thinking it’s not realistic to be able to save even close to $30,000 per year. But as we pointed out above, that shouldn’t stop you from trying. Even just half of that will still get you close to $100,000 in five years.

Even if you still can’t afford to put away that much money in savings, start somewhere. Put away as much as you can afford. It might take you longer to reach your goal, but it’s better to have some savings than no savings.

I will still challenge you to think outside of the box, though. Remember, in order to save more money, you may need to think differently than you have been so far.

7. Make more money

If you don’t have a large salary but want to expedite your savings, look for ways to make more money. Sounds silly right? Just make more money.

There are two sides to the coin when it comes to saving:

  • One side is about budgeting and cutting costs . It’s about sacrificing in the short term to achieve your long-term goal.
  • The other side focuses on making more money . If you bring in more cash each month, then you can save more money and reach your goal of saving $100,000 faster.

There are a few ways you bring in additional income:

  • Ask for a raise . If you’ve been at your job for a while and you’re performing well, then consider asking for a raise . This can be anxiety-inducing, but if you can muster up the courage to ask, it can be a quick way to make more money without having to find another job or at least match the increase to mirror the cost-of-living difference.
  • Start a side hustle . If you don’t already have a side hustle , you might want to get one. While we’re not necessarily advocates of hustle culture, there’s no denying that a side hustle can help you reach your financial goals faster. 
  • Sell your stuff . If you have more things than you have money, consider selling your stuff. Use sites like Etsy, eBay, and Craigslist to sell off some of the things that you don’t use or need in order to put more cash in your pocket. 
  • Money-making apps. There are a number of well-reviewed and widely available apps to make money fast . These won’t provide a life-changing amount of money, so a side-hustle may still be a priority, but you can make a few bucks for completing activities with the legit options out there.

Of course, once you start making more money be sure to funnel it into your savings. Without a strict plan for your new money, it can be easy to get caught in lifestyle creep. This is when you gradually begin to spend more money as your income increases.

8. Make sure your emergency fund is well-funded

To prevent an unexpected expense or an emergency situation from completely derailing your $100,000 savings goals, it’s important that you have an emergency fund .

I know it seems counterintuitive to put savings into an emergency fund  when you are trying to reach your other money goal, but trust me, it’s worth it.

An emergency fund is money that is put aside, like into a high-yield savings account , to cover your essential expenses (rent, food, utilities) should you need it. As the name implies, it’s for emergency.

For example, let’s say you lose your job and have no emergency fund to fall back on. If you can’t find a job fast enough, you might be forced to dip into your retirement savings and investments in order to make ends meet.

With an adequate emergency fund, you won’t need to use your retirement savings to survive, and as soon as you find another job and get back on your feet, you can continue on with your $100,000 goal. 

9. Don’t worry about balances fluctuating (or even tanking)

The balances in your account will fluctuate over time. They may even tank when the stock market dips .

The thing you need to remember is that this is normal . You’re going to see ebbs and flows in the market — that’s just how it goes.

This shouldn’t stop you from being aggressive with your savings goals. It also shouldn’t stop you from putting your money into the stock market altogether.

To see returns on your money, you’ll have to take on some risk. And if you start early when you’re young, you’ll have some time before you retire. This will allow you to take on more risk.

The bottom line

While saving $100,000 seems daunting, it’s not impossible. It’s not even that complicated if you put your mind (and your money) to it.

You do have the ability to save more money than you may think, and even retire early . You just have to want it and be willing to do what it takes to get there.

About the author

Chris Muller

Chris Muller

Chris has an MBA with a focus in advanced investments and has been writing about all things personal finance since 2015. He’s also built and run a digital marketing agency, focusing on content marketing, copywriting, and SEO, since 2016.

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23 People Who Make Over $100k/Year Shared What They Do And How They Got There, And I'm Taking Notes

"$120k-$130k here. I am a professional dog walker. No formal qualifications needed, but you need to be a dog person and be able to handle multiple dogs at once."

Morgan Sloss

BuzzFeed Staff

Like most people, I've often wondered what it must be like to make the big bucks. What do rich people do for work? How much money do they really make? How did they get there?

Well, reddit user u/mxthicky recently posed the question , "redditors making $100k or more, what do you do that makes you earn more than $100k/a year, and how long did it take you to get there", and people commented with tons of interesting and lucrative careers, some that i hadn't even thought of here are some of the top-voted responses:, 1. "i am a taxidermy artist (butterflies) and sell my art at expos, traveling to 38 states per year. it took five years but would've been three if covid hadn't hit.".

— u/LadySith2016

2. "I'm a data scientist making $125k. I've got a BS in Statistics and a knack for the machine learning stuff, so I got promoted with a raise to six figures after about a year as a data analyst. That was my 'fresh grad' job. I got there more quickly than average, but if you're good at math and think you can do some Python scripting, I would recommend working toward it."

— u/Sabiann_Tama

3. "I run fitness bootcamps for companies in the Bay Area, mainly in San Francisco proper. It’s because it’s in SF that it pays over $100k. Probably would not pay that in Des Moines."

— u/Elons_a_distraction

A trainer leading a fitness class

4. "Communication tower tech foreman. In other words, I run a crew of tower climbers doing construction, maintenance, and upgrades. I started making $100k about three years ago, so nine years to get there. It requires me to work an average of 60 hours/week for $100k, though. I typically work 75 hours/week. This is not counting bonuses and soft/hard benefits. Adding those up puts me near $200k."

— u/Laughedindeathsface

5. "IT director. Started off making $19/hour doing support for multiple clients, big and small, for five years. Then one client, a small municipality, had their IT manager position open up, and they asked me to apply. My pay went from $19/hour to a salary of $65k/year. After four years there, another municipality in the area had their IT director position open up, and I applied. Imposter syndrome hit hard when I got the offer letter."

"I never, ever imagined I would make that much money. I only have an associate's degree in networking and three certifications that are kind of outdated."

— u/WellIllBeGoToHell

6. "Tattoo artist here. This is the first year my take home has hit over $100k, will finish the year at about $115k. This is my fifth year tattooing. The first couple years sucked, but I was 18/19 and had no bills, so I could take the less-than-minimum-wage pay. It takes long hours and a lot of work, but I’d say it’s paid off pretty well!"

— u/swell-bow

Someone getting a tattoo

7. "Previously worked in hospitality for around 15 years. As a result, my skillset includes being able to 'customer service voice' kinda well. Applied for a position with an insurance company using a résumé that was 90% utter lies. Fast-forward six months, and I've just been offered a role with an internal department that conducts onsite assessments because 'you make the clients laugh more than they want to sue us.' Starting salary was over the $100k mark."

"I do not deserve, nor know how to be responsible with, that kind of income, and I am so f*cking excited for all the terrible life choices it's going to allow me to make."

— u/blank_mody

8. "Hit $200k+ this year. Software development (C/C++) doing automation for a large manufacturing company. Hit $100k about eight years ago, and it's steadily increased with yearly cost of living raises, requested raises, job/role changes within the company, etc."

— u/ProfessorButtFuck69

9. "Doctor. I'm finishing up residency, so I'm making around $70,000/year, but I've been interviewing for jobs, and expected salary would range from $280,000 to $350,000 with bonuses depending on work efficiency. Overall, it took four years of undergraduate, one gap year doing research, four years of medical school, and three years of residency (12 years total starting from undergraduate). Now, if I could just get rid of the $500,000 in student loans..."

— u/PMME_ur_lovely_boobs

A doctor smiling

10. "Cybersecurity with a niche specialty, $240k, maybe $450k total compensation with private equity. Company is great, unlimited PTO, remote work, full benefits, work on what I want, and do cool shit. Started programming at 26, gentle background in IT."

"2018 — Developer job with an AS — $72k

2019 — Promotion, earned BS — $95k

2020 — Move companies, MS — $140k plus options

2021 — Promotions, management — $175k, more options

2022 — Move companies — $240k plus options."

— u/Initial_Initial_

11. "Industrial millwright in a steel plant. I've been doing it for nearly eight years, but I've had the ability to make $100k+ since I was ticketed. Apprenticeship took three years of school and 8,000 hours of work."

— u/DDelirium46

12. "Accounting. It took four and a half years to make $100k. Don't be afraid to change jobs every few years, especially at the beginning of your career. It was on my third job (not including an internship) that I broke 100."

— u/redditbobby

A woman working at her desk

13. "HVAC designer. Started off nearly 20 years ago making $10/hour, knowing nothing about HVAC. Learned a lot, got good, and just crossed to $103k/year. (Really, with benefits, 5% 401k match immediately vested, $3,600 HSA contribution, 75% healthcare premium contribution, etc., I technically passed it a few years ago.)"

— u/cmikaiti

14. "College dropout here doing website design and online marketing. Took me about five self-taught years to get to $100k annually."

— u/fried_eggs_and_ham

15. "Team truck driving with my wife. Last year, we cleared $210k, set to make more this year. Two months of truck driving school, and in February, we will hit our five-year mark in this industry. Not bad considering we're both high school dropouts with no college under our belts."

— u/TrappedinTX

A man standing in front of a truck

16. "Got a CS degree and became a software developer. But I was a shitty software developer with poor mental health, so I couldn't hold down a job for more than two years before they'd drop me as deadweight. Well, turns out the market for CS degrees is wild right now, and every time I got a new job, I started at $10k-$20k more than the previous one. I failed upwards."

"My friend, who is a very talented programmer but has a math degree, has gotten awards and promotions within the same company for that same span of time and now makes much less than me. They succeeded horizontally."

— u/snapwillow

17. "Nurse, make just over $100k. Took about four years in this field, but I had a previous career and already had a college degree that allowed me to do an accelerated program for school and gave me the soft skills to advance. My wife had a very similar trajectory and salary as a nurse. You can make $100k out of the gate with a two-year nursing degree, but you have to work a lot more hours than either of us do. (Or, you can live and work on the west coast.)"

— u/samcuts

18. "$120k-$130k here. I am a professional dog walker. No formal qualifications needed, but you need to be a dog person and be able to handle multiple dogs at once. And you need to be level-headed and able to deal with emergencies. I work 10-hour days Monday to Friday and about five hours on Saturdays. I started doing this a year ago because I was burnt out working in IT development. It was supposed to be temporary, but the only thing I miss from my former job is the paycheck."

"I was first just walking my own dog, then I started walking dogs of former coworkers, and then, it just grew. I am at max capacity; the only way to grow this is to make it into a business with employees, but I do not want that."

— u/Puzzleheaded_Ad928

Someone walking multiple dogs

19. "I'm a product manager, currently make $155,000 annually. It took me about 10 years post-college to even hit six figures. I would typically love my roles, but I could never make significant salary increases unless I jumped to a new company. I would take my employers up on any up-skilling or education they were willing to pay for."

"23 — Design Assistant — $34,000 24 — Designer — $40,000 25 — eBook Designer — $50,000 (switched companies) 29 — Creative Technologist (coded ebooks) — $80,000 (switched companies) 33 — Product Manager (digital publishing) — $97,500 35 — Product Manager (EdTech) — $155,000 (switched companies)."

— u/DalvadorSali

20. "I’m a pharmacist. I work three 8-hour shifts per week (8-5) and make just under $100k."

— u/GuardGrouchy9996

21. "Changed jobs every two or so years in a role that’s super niche in finance. Became one of the few with 10+ years of experience. Easy consulting contracts because of my insider knowledge of what big firms do. My first analyst job was around six figures, though; most in finance start out at $100k+."

— u/midlifetheses

A woman working at her computer

22. "Healthcare IT. It pays pretty well compared to other way more technical positions. Interesting because I get to work with all types of clinicians from various specialties. It took me less than five years because I went into consulting pretty quickly."

— u/unreall_23

23. And finally, "Wedding photography. Took about seven years. Started out at $1,000 per wedding. 12 years later now, around $4,500-$6,000 per wedding. Shoot around 30-40 weddings per year."

— u/Kissrob72

A wedding photographer showing a couple photos on her camera

Were you surprised that any of these careers make over $100k? LMK in the comments below!

Note: Some responses have been edited for length and/or clarity.

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Five interview tips for winning your first $100K job

Managing layoffs: how the tech sector can do better in 2024..

  • why it's time to re-evaluate your severance practices.
  • unlock the potential of your workforce
  • navigating layoffs and economic uncertainty: the critical role of HR leaders
  • a day in the life of a risesmart certified career coach

first 100k job reddit

With Americans fearful of a recession, the competition for $100K+ jobs has become more intense than it has been in years. In this environment, it’s more important than ever for jobseekers to be well-prepared for job interviews -- particularly when they are seeking their first $100K+ job. To help candidates break the $100K+ barrier, here are five tips to help you in the interview process:

1. Brand yourself.

To be a $100k+ manager or executive, you must have a brand -- a one-sentence or one-phrase way to powerfully describe yourself in your interview. Don't just tell the person where you worked and what your responsibilities were. Instead, tell them you're a ‘sales turnaround expert’ who's 'tough-minded' and ‘thrives under pressure.’ That's the kind of meaty characterization that recruiters use in pitching candidates to employers, and it's how you need to present yourself in the big interview.

2. Know the employer.

One of the biggest differences between the candidate who gets the $100k+ job and the one stuck forever in five figures is doing your homework before the interview. If you can reference and react intelligently to what journalists, investment analysts and others have said and written about your potential employer, you present yourself as a leader who thinks strategically -- not a worker bee who waits around to be handed a new task.

3. Dress for the part.

Dress for the side of the $100K salary line you want to be on. For example, high-powered male executives are far more likely to wear French cuffs than sub-$100K managers. So add a couple of new shirts and some nice cufflinks to your wardrobe – at least for your job interviews. Female executives, meanwhile, tend to dress more conservatively as they move up the corporate ladder – favoring high-end pantsuits over skirts, cardigans and other early-career options.

4. Don't ramble -- be concise.

Answer questions thoroughly, but then stop. If you feel the need to continue talking simply because the interviewer hasn't asked the next question, you'll come off as weak and indecisive -- not a leader. Some interviewers like to put you in awkward situations just to see how you’ll respond to them. Don’t take the bait; stay in control – especially of what comes out of your mouth.

5. Ask for the job.

If you want to win your first $100K+ job, you need to show mental toughness in your interview – so bring your hard hat, not your pacifier. Bashful people don't become $100K+ executives. Do you want the job? Then ask for it directly. Employers respect assertiveness, particularly for leadership positions.

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I got $10,000 more when I negotiated my salary—here's the exact script I used

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Not too long ago, I was on the job hunt .

After months and months of submitting resumes , I received a call from the CEO of one of the companies I had interviewed at in Seattle: They wanted to offer me the full-time marketing manager position, with a base salary of $60,000. That was when the negotiation process began.

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(There wasn't a conversation about salary during the early stages of the interview. According to career expert Alison Green , this isn't unusual. Some companies feel it can be misleading to discuss a position's salary early in the hiring process, "especially if the they're hiring for a role that could potentially be filled by people with vastly different experience levels," Green explains .)

At my previous job, I was earning $66,000 — a 20% increase from the $55,000 starting salary. There was no way I was going to accept the $60,000 offer and take a pay cut three years into my career.

Fortunately, this wasn't my first experience negotiating a job offer . I've walked the "negotiation tightrope" several times, and have managed to increase my salary by at least 10% in every new job I've held.

After the negotiation conversation, followed by a week of waiting, I was able to get $10,000 more than the initial offer. Here's how I did it:

I did my research early on

Prior to the interview , I did diligent research to understand what the industry averages were based on my role, skills, experience, education and location.

It's important to enter the negotiation fully prepared with data and reasons to back up why you're qualified for your target salary. Some helpful resources include Glassdoor , Payscale and 81cents (which uses data that's usually only available to employers to help women and minorities negotiate salaries).

You can also go to friends or colleagues in similar industries and simply ask: "What would you expect someone to be paid in a position like X, with necessary skills like Y?" Facebook groups like Tech Ladies are great virtual spaces to pose these questions, too.

Your target number should always be more than the salary range you found in your research. Let's say the offer is $50,000. Based on your research, you know you should be making $60,000 to $65,000. So the target range you present in the negotiation process should be something like $68,000 to $72,000.

Why? Because most companies expect you to negotiate, so they tend to offer you a much lower number. My advice is to always ask for more, with the assumption that you'll both meet in the middle. In the example above, asking for a salary range of $68,000 to $72,000 offers more wiggle room. Ideally, the outcome will be a compromise somewhere between $60,000 to $65,000, which is your fair market rate.

I used the "Gratitude Sandwich"

Delivery is important, especially at the start of a negotiation, so you must always have a strategic plan put into place. I have an exact script for negotiations: I call it the "Gratitude Sandwich."

The script, as indicated by its name, starts with gratitude. "Wow! This is such great news — thank you. I'm so excited for this opportunity," I said over the phone when I was first given news of the offer.

"I felt right at home during my interviews and am really looking forward to being part of the team," I added. This showed that I already had one foot in the door, and that we were all very close to sealing the deal.

Then, it was time to make my case: "However, this salary is much less than my previous one, and I want to make sure I'm being compensated fairly."

Salary negotiations are collaborations, not conflicts. You can be gracious, polite and grateful while also being confident and persuasive.

I continued: "Based on my skills, experience and the market salary rate, it would make sense for me to be in a higher range — of $65,000 to $74,000. If you could increase the offer by $10,000, I'd be eager to accept." By presenting an updated range, I was showing him that I'd done my research, understood my value and was willing to be flexible.

There was a brief pause on the other end. "Hmm. I'm not sure if there's any wiggle room," he told me.

I responded by reminding him what I accomplished and the success that my work had driven. It was a way for me to back up my worth and let him know how much value I could bring to the company.

"OK," he later said, "I'll need to regroup with the team. Again, I can't promise anything and I'm not sure if there's room to go any higher. But give me some time and I'll get back to you.

I ended the script with another expression of gratitude: "Of course, I appreciate your consideration. Thank you again for this incredible opportunity. I look forward to hearing back! In the meantime, let me know if there's anything you need from my end."

I waited patiently and didn't cave in

It can be tempting to follow up and bug your hiring manager immediately within one or two days, but it's best to be patient and let them get back to you.

Remember: They gave you an offer and want to close the deal as soon as possible. (Of course, if it's been more than a week with no word back, the smart thing to do would be to send a follow-up email.)

It's only natural to be nervous during the waiting period. When I was negotiating for this job, I was unemployed and anxious. And there's an inherent risk that comes with negotiations: What if they just rescind the offer?

I had to wait a full week before getting a response, and I'm glad I stuck it out without caving in; most people would get nervous and just accept the initial offer, for fear of losing it.

In my case, it turned out that there was wiggle room in the offer. The CEO came back and offered $10,000 more than the original offer. I happily accepted it.

What could happen

Even if you've done your research and did a brilliant job presenting your worth in the negotiation process, there's never a 100% guarantee that you'll get what you ask for.

Aside from salary, another reason it's important to negotiate is to make sure that the company's values align with your own. If they're not willing to pay what you're worth, it can be a sign that they don't value, respect or appreciate their employees — and that maybe the job wasn't a good fit after all.

As a woman, my goal isn't just about earning more money now. It's also about planning for the future: Women who consistently negotiate their salaries earn, on average, at least $1 million more over their lifetimes compared to those who don't, according to research from Linda Babcock , an economics professor and author of "Women Don't Ask: Negotiation and the Gender Divide."

Salary negotiations are collaborations, not conflicts. You can be gracious, polite and grateful while also being confident and persuasive. It's a compromise: the goal is to get to a number both parties have agreed upon.

Tori Dunlap is a millennial money and career expert. After saving $ 100,000 at age 25 , she founded Her First $100K to give women actionable resources to reach their first six-figures, too. A Plutus award winner, her work has been featured on Good Morning America, New York Magazine, MarketWatch, Business Insider and more.

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Where can you find $100K jobs in San Antonio? Reddit users have some ideas.

How hard is it to find a job that pays more than $100,00 per year in San Antonio?

That’s a question being kicked around these days on social media platform Reddit.

People posting on San Antonio’s  subreddit have a variety of ideas, including the technology sector, consulting jobs and jobs in the electrical and mechanical trade fields The suggestions also included military and defense contractors.

“Some trades with some experience make that (electrical/mechanical). Any Fortune 500 company is going to have lots of people in different job codes above 100k,” a user going by the named “pretrader” posted. 

Two Fortune 500 companies call San Antonio home, according to Fortune : Valero Energy at 40 and USAA at 417.

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Only about a quarter of San Antonio residents make $100,000 or more per year, according to CensusReporter.org , a website that tracks data from the U.S. Census Bureau. That’s the lowest percentage among the four largest Texas cities, as 45% of Austin residents make more than $100,000, and the numbers are 32% in Dallas and 27% in Houston, according to CensusReporter.org.

As of 2021, the median household income in San Antonio — meaning the combined amount of all workers in the same household  — was $55,084, according to the U.S. Census Bureau. The median per capita income in San Antonio  — meaning the amount made per year by each individual worker  —  was $28,579.

Only about a quarter of San Antonio residents make more than $100,000 per year, according to U.S. Census Bureau data. 

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interest

The First $100,000 is the Hardest – the Miracle of Compound Interest

Table of Contents

The Miracle of Compound Interest

Compound interest is an amazing little thing.

It has been called the eight wonder of the world. There’s even a claim that Albert Einstein called it the most powerful force in the universe. I’m not sure if that’s true but it sounds cool on paper.

Whether he said it or not, compound interest is the most powerful force in investing.

It’s the hidden power behind why investing for the long term works so well.

What is Compound Interest?

In simple terms, compound interest is the interest you earn on your interest. When used in investing, the growth rate is more relevant. That may be confusing at first but let me show you an example to illustrate what I mean.

compound interest

The above is a simple example that assumes you invest $10,000 in year one and leave it alone. The interest rate is set at 8%. Note that 8% is not a realistic “interest” rate when it comes to a bank account. When I talk about these bigger returns, I’m talking about numbers you can achieve via investments in stocks . More on that later. However, the concept still applies in a similar fashion although stock returns are going to be less consistent than a bank account.

You can see that in year one, you essentially make 8%($800/$10000) taking your total to $10,800.

Compound interest begins to work it’s magic in year two. The 8% interest is earned on the new total of $10,800 giving you $864 in interest. The next year, we see $933 in interest as you earn 8% on the prior year’s total of $11,664.

All of this happens without any additional investment. That’s the magic of compound interest. It’s interest on interest.

That means the starting point from which interest accrues is always increasing. It was $10,000 in year one giving you $800 in interest. By year 5, it was $13,605 due to the interest earned in prior years and that gives you $1,088 in interest.

The importance of time cannot be understated when it comes to compound interest. You can already see that you earn a lot more in year 5 than you do in year 1.

What happens if you extend it even further?

interest

As time progresses, you get even more money! You can see that by year 30, your total has grown to over $100,000 and you’re getting nearly as much interest as your original investment.

That is the power of compound interest and why investing works so well.

What’s also obvious from this table is that time is on your side. The value of money in the account on year 30 is much higher than the value of that money in year 1. After year 30, your original investment is producing nearly $7,500 in interest, close to the total of your original investment.

One thing to remember is that interest rate plays a big factor here. Let’s take a look at the same table with 2% interest, something more realistic when it comes to bank accounts. These days even that number is high but rising rates may bring higher interest to bank accounts sooner than later.

interest

The results are a lot less impressive. You can see that the 30 year total is far short of the total at 8% interest ($18,114 versus $100,627 at 8%). The reason for that is the lack of high interest payments. Since we’re earning interest on interest and the interest is a lot lower due to the rate, your end result is smaller.

Interest rate is really the driving force behind a higher total due to the magic of compound interest.

In simple terms, a low interest rate dulls the impact of the interest on your interest and your end result is much lower.

That’s why the long term rate is another key factor in long term investing.

If you’re investing $10,000 and getting a 2% return then your total after 30 years is just north of $18,000.

On the other hand, if you get an 8% return, your total is over $100,000. That’s a big difference!

The numbers get even higher as the rate goes up. You’ll notice I’ve changed the discussion from interest rate to rate of return and that’s key in this area as it really takes those bigger rates to build long term wealth.

For example, a 12% return will yield $300,000 after 30 years(including $32,100 in interest in year 30, 3x your original investment!).

A 15% return more than doubles that with $662,000 after 30 years(with $86,000 in interest alone in year 30).

Naturally, you’ll almost never get those rates of return from a simple bank account unless inflation is a long term problem. That’s where investing comes in because investing in stocks is key to achieving those higher rates of return.

Investors who can achieve a higher rate of return across many years will be richly rewarded due to the power of compound return.

That’s why people are so impressed with investors like Warren Buffet and why people seek investment returns above all else.

In his first 25 years at Berkshire Hathaway, Warren Buffet had a return of ~24% per year. That’s an insane return and if held across these same 30 years, would take your initial investment of $10,000 to nearly $6.4 million dollars.

It’s highly unlikely that anyone will be able to produce that type of return for that long a period anytime soon. However, it does serve as a good illustration to the power of interest rates combined with the compounding effect.

You can see how powerful interest on interest can really be when the long term return percentage is high. The difference between a 2% interest rate and something higher is huge.

Again, I’ve started using the term interest and return interchangeably. The reality is that interest(the rate of return you consistently get from a bank account) these days is just too low to achieve good growth. That’s why return becomes more important and return here is defined as the rate of growth that can be achieved from an investment.

What does that mean for you? It means that while time is on your side, a higher rate of return is very important as well. If you can find a safe interest rate of 8%, by all means take it, but for most of us, that’s just not possible. IBonds today in 2022 do offer that rate for a short period of time but that likely won’t last if inflation gets tamed.

That’s one of the reasons I and many others invest in the stock market for the long term. The stock market, unlike a savings account, has historically produced good long term returns. It is by far the best way to take advantage of the power of compound interest.

That doesn’t mean you shouldn’t keep any money in a savings account. It’s a safe place for low returns in the short term for money you may need in the next few years. Stocks, as seen lately, are volatile and while they can return 8%+ across a long period of time, in the short term, returns can be negative.

Still, for long term investing and growing your wealth, you need a bigger return than a savings account may offer.

That’s where long term investing using stocks comes into play. Let’s see how that works now.

Time is on Your Side – The First $100k is the Hardest

It’s nice to know how compound interest works in simple terms but I also want to take a look at it in action. When we talk about stocks, we’re not necessarily talking interest and we’re also not necessarily talking about consistency.

Here, we’re talking about rate of return which can vary any given year but has generally been in the 6%-10% range depending on your time frame. There are years when the stock market is down like right now and years where it’s up. However, the overall long term trend is up which makes the below work.

This return includes price appreciation from stocks as well as dividends paid out by certain companies.

The concept works the same way. Your initial dollars grow at a certain rate of return. Next year’s starting total is higher and your growth is now based on the higher number leading to a compounding effect. Naturally, the below is a perfect illustration of what can happen if the return is constant every year. With stocks, it will never be that smooth but conceptually it shows what I mean well.

Let’s imagine an investor who’s just starting out. Let’s call him Bob. Bob wants to fill his retirement safe with a barrel full of cash and he’s getting started now after growing his salary for a few years in his first job.

He’s read some books , done his research and wants to get started.  Bob has a plan in place, an asset allocation and wants to max out his 401k every single year.

He knows there will be some ups and downs but thinks he can get an average return of 8% by investing in a diversified stock account that meets his risk profile.

Our imaginary investor, Bob starts at $0 makes his first contribution of $18,500 in year 1 and another one on the first day of every other year for 25 years when he plans to retire. Where does Bob end up at the end of that period and how does that journey go?

8% return

The table above illustrates a similar concept we saw in the compound interest table. However, it adds a bit of complexity as contributions come into play as they often do with investments.

Bob still benefits from the compounding effect but also benefits from adding additional money every year.

He starts with $0 in year 1. He adds $18,500 each year and finishes with $1.46M after 25 years. That’s a pretty good result considering Bob’s contributions during that period were only $462,500. That’s a lot of growth!

What’s interesting about this table is how Bob gets there.

You can see that initially Bob’s contributions are the major source of growth. The first few years don’t benefit much from the compounding impact as Bob’s totals are rather lower.

However, that quickly begins to change as growth(our replacement for interest) becomes a bigger part of the overall picture. In fact by year 10, the 8% return on Bob’s portfolio begins to eclipse his annual contribution.

By year 15, the return portion is more than 2x the contribution and is the primary driver of portfolio growth. Near the end, Bob’s growth at 8% eclipses 100k and is nearly 6x more than his contributions. The contributions still matter but it’s compound growth that really drives the bus at that point.

The clear thing is that the impact of growth is bigger and bigger as the years go by.

I’ve often heard the comment that the first $100k(or the first million) are the hardest. The reason for that is that the compounding effect has little impact in those first few years. The growth on growth impact only becomes more apparent when the dollar totals are higher.

It takes Bob nearly 5 years to crest $100k. The next $100k comes before year 8.

In fact, once he’s at 300k, Bob is almost 50% of the way to million on a time basis. The reason for that is that the impact of compound growth is muted in the first few years as the growth is a small part of the overall picture. Once it starts taking off in the later years, so does the portfolio total.

It’s probably hard to visualize that so here’s the table above in a different format to help you see what I mean.

50% to one million

You can see that in this scenario, our imaginary saver Bob hits $1M right near the end of year 21.

What’s interesting is the path to that number. Like I said before, the first 100k is tough sledding since the growth part of the equation is small. It’s all contributions and that’s why it takes about 20% of the time to hit the first 100k. It’s 10% of the money but takes 20% of the time. You’re 24% into your journey time wise by the time you hit $117k.

Things start moving a bit faster after that but it still takes nearly 11 years to hit 300k.

That milestone happens between year 10 and 11 which means the first 300k happens right around the 50% time marker.

It’s right around then and especially after you hit 500k that the compounding effect really takes off.

Even if it takes a little while, compound interest eventually starts to pay off in a big way.

The growth is one of the reasons the rich get richer. The more money you have, the easier it is to make it work for you. However, it doesn’t mean that people starting at 0 can’t get there eventually either. Just look at Bob!

It takes some work and the journey can be slow and sometimes hard but the potential to make your money grow exists. It’s compound interest that makes it work.

In his 25 year journey, Bob ends up contributing $462,500 and ends at 1.46M. That’s the power of growth, contributions and compound interest.

Even if you can’t contribute as much as Bob, your money will still grow for you. It might take longer to reach a million but it’s possible.

If you’re lucky to contribute more then the path will be faster and you’ll be a millionaire sooner.

It’s important to remember one thing that we talked about earlier.

The rate of return(interest rate) does matter a lot. 8% will never come risk free and it can entail some difficult times when the stock market drops like it has recently. However, the long term trend is up and these tables show how it’s possible to become a millionaire through diligent saving and the benefits of compound growth.

You can use a website like this one to see how the S&P 500 has done in various time periods. It’s hard to predict exactly where stocks will go in the future but stocks have generally brought in 6-10% depending on the time frame you’re considering. Even someone who put money in on January 1 2008, right before the market crashed 38% that year still has a 9%+ annual return even after this year’s correction. That’s a pretty good return considering what’s happened recently and in 2008.

It does take some time. However, a lot of the work is done for you through compounding. It takes 21 years to get to $1M with the above contributions at 8%. Most of that money comes from growth as contributions only make up $388,500 during this 21 year period.

If you’re lucky and maintain a higher rate then $1M will come even faster. If you’re a bit more conservative then it’ll take a bit longer. Even at 6%, an investor would reach $1M after 25 years – not as good but still a reasonable timeline for standard retirement.

The reality is that growth matters a lot. This type of portfolio expansion wouldn’t be possible without a relatively high return. At 2%, it would take over 37 years to reach $1M and most of that money(684k) would be from contributions and not growth.

That’s why the stock market is the way to go for most people. It’s the only proven way to find those types of returns in the long run. It can be stressful as there will be years where you lose 20%+ of your money but the long term trend is favorable as long as you can stomach and keep buying during those years.

Compound interest eventually pays off in a big way. It might not seem like it at first. Those first few years may drag but even in small amounts, it’s making a difference. It definitely feels like you’re running uphill at first until you reach a certain point where the compound effect is more visible.

None of this can happen on its own. It does need a kick start from the investor to get things going.

The path to $1M above will never happen if Bob the investor doesn’t start with $18,500 on day one. It takes much longer if he doesn’t contribute $18,500 consistently every single year. It doesn’t work if Bob panics and sells when the market drops. This only works if Bob keeps investing and holds on through thick and thin.

It’s a long term game but compound interest is on your side. Investments can go up, they can go down but it’s important to keep things in perspective. It took Bob 21 years to get to $1M, it’s not a sprint, it’s a marathon.

Time in the market matters and it’s all because of the miracle of compound interest.

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18 comments, frugal fortunes.

Novice investors look at stocks as risky… In the short-term, that’s true. Although, in the long-term, it’d be more risky not to invest in stocks (if higher returns is the goal). Compounding your returns is a powerful concept. Thanks for the insight!

One thing only us old readers have seen is the contribution limit for 401k’s changes greatly over time. What is $18,500 now used to be only $7,000 when I first became eligible for a 401k plan. So probably in 25 years the limit will be more like $45-50k per year. That will really make those accounts grow for those who can contribute the max amounts!

Aakash Kunchwar

Thank you for sharing…very helpful.

Really great post!

Thanks for this excellent post – this is THE ONLY investment blueprint a person needs to attain wealth. Yes it takes time, commitment and sometimes nerves of steel – but the key is definitely starting early and before you know it the heavy lifting comes from the magic of compounding interest. This plan should be taught to all children in all schools across the globe. I’m encouraging my children to learn and follow this path to financial freedom (and to their early retirements).

Thank you for posting very helpful…

Great article really loved it!

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Mayorkas Was Impeached. What Happens Next?

The first impeachment of a sitting cabinet member sets off a series of choreographed rituals that dates back to the impeachment of former President Andrew Johnson in 1868.

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By Aishvarya Kavi

Reporting from Washington

  • Feb. 13, 2024

Republican members of the House impeached Alejandro N. Mayorkas, the homeland security secretary, with a simple majority vote on Tuesday. It sets off a series of choreographed rituals that dates back to the impeachment of former President Andrew Johnson in 1868. Here’s a look at what happens next.

A ceremonial procession

Once the House approves two articles of impeachment laying out the accusations against Mr. Mayorkas as part of its oversight and investigatory responsibilities , they are then walked over to the Senate.

The day after President Johnson was impeached, in February 1868, the articles of impeachment were delivered to the Senate by Representative Thaddeus Stevens, Republican of Pennsylvania. Mr. Stevens was so ill that he had to be carried through the Capitol .

Once the articles are delivered, the Senate, acting as a High Court of Impeachment , would schedule a trial during which senators would consider evidence, hear witnesses and, ultimately, vote to acquit or convict. They could also vote to dismiss the charges.

The Senate trial

The House speaker names impeachment managers from the chamber who would be tasked with arguing the case against the impeached official, serving as the prosecution team in the Senate trial.

In the case of Mr. Mayorkas, the impeachment articles also appoint 11 impeachment managers. The group includes Representatives Mark E. Green of Tennessee, the chairman of the Homeland Security Committee that drew up the charges, and Representative Marjorie Taylor Greene, Republican of Georgia, who has led the drive to seek his removal. Also part of the team are Representatives Andy Biggs of Arizona, Ben Cline of Virginia, Clay Higgins of Louisiana, Andrew Garbarino of New York, Michael Guest of Mississippi, Harriet M. Hageman of Wyoming, Laurel Lee of Florida, Michael McCaul of Texas and August Pfluger of Texas.

The Biden administration would have the right to have an agent or attorney appear to answer for the articles of impeachment against Mr. Mayorkas. That includes appointing House Democrats to serve on the defense team.

In a trial, senators would sit as a jury in judgment of Mr. Mayorkas. For many, it would be the third impeachment trial they would sit through, after two consecutive impeachment trials of former President Donald J. Trump, in 2020 and 2021. Eventually, senators would take a vote on the charges. They could agree to dismiss the articles or render a verdict.

The verdict

If a trial moves forward without the charges being dismissed, a two-thirds majority would be required to convict and remove Mr. Mayorkas, an exceedingly unlikely outcome given that Democrats control the Senate. Democrats have the majority, holding 48 seats and the votes of three independents who caucus with them. Senate Republicans are in the minority , controlling 49 seats. If Democrats held together in support of him, Mr. Mayorkas would be acquitted even if every Republican voted to convict.

If he were to be found guilty, according to Article II, Section Four of the Constitution, Mr. Mayorkas would be removed from his position and the Senate could vote to bar him from being able to hold office again.

Aishvarya Kavi is based in the Washington bureau. More about Aishvarya Kavi

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Jon Stewart's 'Daily Show' return is so smooth, it's like he never left

Eric Deggans

Eric Deggans

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Jon Stewart returned Monday as host of The Daily Show . Matt Wilson/Comedy Central hide caption

Jon Stewart returned Monday as host of The Daily Show .

After watching Jon Stewart's triumphant return to The Daily Show on Monday night, I had two thoughts.

The GOAT of late night satire is back. And even some of the show's biggest fans may not be all that happy to see him return.

That's because, in his first episode returning as host — nearly nine years after he originally left — Stewart took on a subject that even his most liberal fans might find touchy: the idea that concerns about how age may have affected President Biden aren't necessarily overblown.

He didn't mince words about the erratic behavior of Biden's likely opponent for the presidency, Donald Trump, either — showing how the former president couldn't remember basic things during court depositions like how long he was married to Marla Maples or whether he had bragged about how great his memory was. ("It turns out, the leading cause of early onset dementia is being deposed," Stewart cracked, after showing a montage of Trump's grown children having similar recall issues.)

But even though some liberals may be sensitive to the idea that comparing Biden's gaffes with Trump's behavior is an unfair "both sides" balancing act, Stewart insisted supporters should do a better job showing the current president is vital and effective as they say he is.

"It's the candidate's job to assuage concerns," Stewart said in a 20-minute segment that kicked off last night's program. "Not the voter's job not to mention them."

Easily slipping back into the host chair

From the show's opening moments, Stewart eased back into the host's chair without missing a beat, firing off jokes with a familiar style that felt like he had left just a few weeks ago, rather than in 2015. He brought a confidence the program sorely needs; it's been searching for a permanent host for more than a year since the departure of Trevor Noah, who succeeded Stewart as host.

Trevor Noah's 'Daily Show' departure hints at deeper problems in late night TV

Trevor Noah's 'Daily Show' departure hints at deeper problems in late night TV

Stewart returns in a unique arrangement, hosting The Daily Show on Monday nights and serving as an executive producer for all evenings — similar to an arrangement crafted by another cable TV star, Rachel Maddow on MSNBC. The new setup allows him to avoid the grind of daily hosting, ceding the rest of the week to the show's correspondents, starting with Jordan Klepper, who hosts Tuesday through Thursday.

Even as he eased into familiar rhythms — poking fun at idea that he's an old guy returning to his old job, highlighting concerns about two other old guys competing to get their old job back — Stewart faced a new challenge: reminding everyone why he was such a venerated host in the first place.

In his first 16 years hosting The Daily Show , Stewart elevated the program into an incisive look at the hypocrisies of media, politics and society. Along the way, he helped birth a style of fact-based satire that has exploded all over television, from the work by Daily Show alums John Oliver on HBO's Last Week Tonight and Stephen Colbert on CBS' The Late Show to the sharper political tone of Late Night with Seth Meyers and Jimmy Kimmel Live .

Comic Roy Wood Jr. just might be the host 'The Daily Show' (and late night TV) need

Pop Culture

Comic roy wood jr. just might be the host 'the daily show' (and late night tv) need.

But the media environment Stewart has returned to is quite different. Ratings in late night have declined, and the young audiences that once fueled the genre have moved on to TikTok and YouTube. With luck, Stewart's appeal to The Daily Show 's old school fans will bring better ratings on the cable channel, but it's still likely to be a smaller crowd than he once commanded.

Regardless, last night's program shows Stewart's still got the comedy chops and incisive ideas to power the show at least through the presidential election in November. He has said in interviews that part of the appeal in returning was to have a place to "unload thoughts" as the election season progresses.

Last night's debut proved Stewart will bring that and more, buying time for an influential show at a crossroads to figure out a new future for itself at least one more time.

  • Jon Stewart

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What is a Roth IRA?

March 31, 2021.

first 100k job reddit

After successfully saving $100,000 at age 25, I quit my corporate job in marketing to fight for your financial rights. I’ve helped over three million badass women make more, spend less, and feel financially confident.

The following article may contain affiliate links or sponsored content. This doesn’t cost you anything, and shopping or using our affiliate partners is a way to support our mission. I will never work with a brand or showcase a product that I don’t personally use or believe in.

*My legal disclaimer: I’m not a financial advisor. I give education, not prescriptive advice. Choose the right investment strategy for you.* 

A Roth IRA is a tax-advantaged retirement account that is not tied to your employer, meaning just about anyone can open one. That’s exactly what the “I” in IRA stands for— Individual Retirement Account.

How it’s different than a 401(k):.

Unlike 401(k)s which are usually sponsored by your employer and include an “employer match,” IRAs are tied to you and you only. The max contribution of a Roth IRA is a lot less than a 401(K), but the cool thing is— you’re able to have both! In addition to being an individual account, the other unique difference between a 401(K) and an IRA is that in a normal year, you have 15 months to contribute (instead of 12). For example, you can contribute not just from January to December of 2020, but also from January to Tax Day of 2021. So, you have about three months extra to hit that max.

Before we go further – if you’re a new investor or just looking for a community to join as you begin your investing journey, we’ve built a one-of-a-kind, non-judgemental community where you can learn exactly how to invest, build wealth, and receive exclusive access to Her First $100K.

The three different types of IRAs:⠀

Although I recommend a Roth IRA to anyone who is getting ready to open their first retirement account, I wanted to briefly touch on the two other types of Individual Retirement accounts so you can get a wide-angle view of all the options that are out there.

1) SEP IRA:

This is for all my side hustlers and self-employed people.

Max Contribution:  $56,000/ year limit or up to 25% of your income

Taxes:  You pay at the time of distribution

2) Traditional IRA:

Like the Roth IRA, this is an individual retirement account, meaning it’s not tied to an employer.

Max Contribution:  $6,000/ year or $7,000/ year if you are 50+ years old

Taxes: Like the SEP-IRA, you pay at the time of distribution

3) Roth IRA (my recommended option)

As stated above, this is an individual retirement account, meaning it’s not tied to an employer. You can open one at any age as long as you have a job and unlike a traditional IRA, there are no required minimum distributions.

Taxes: You pay the taxes now — this is the biggest difference between a SEP IRA & Traditional IRA and a Roth IRA

You can have both a Traditional and a Roth IRA. However, the total maximum is $6k. You could do $3,000 in one, $3,000 in another, but you can’t do $6,000 in one and $6,000 in the other.

Why i prefer a roth ira, i personally like the roth ira for a few reasons:.

It’s like giving the future you a tax-free gift.

We don’t know what taxes are going to be in the future, so might as well pay them now.

When should you open a Roth IRA?

First thing’s first: .

1) Investing for retirement only comes  after  you have 3-6 months of emergency savings in a  high-yield savings account  AND 

2) once you have paid off all high-interest debt (like credit cards).

There is one exception, however, that lets you get started on step three without completing step two. This is in the event that you get a  401K employer match that I mentioned earlier.

Have you completed steps 1 & 2 on my financial priority list? 

Then you need to start investing  today — even if it’s just $20 a month. Retirement may be, without a doubt, the largest expense of your life, and you to be as ready as you can be.

How to open a Roth IRA

1) Head to M1 finance and open an account for free.

2) Fill out all the necessary info that the prompts provide.

2) On the top right hand corner of your portfolio dashboard, you are going to click “add account.”

3) Then, click “retirement” and “Roth IRA.”

4) It will then prompt you to review and accept the terms and conditions of a Roth IRA.

5) Attach your bank and start funding your account— you will need a $500 deposit to open a Roth IRA.

6) Choose to build your own pie or, if you’re a beginner, you can auto-invest and use an expert’s pie.

7) Set up automatic deposits every month so you never forget to invest and your money continues to grow.

What I want you to know is that having any of the accounts above  does make you an investor . You are indeed investing. So, after you’ve registered your account, make sure to recognize and celebrate that!

What is a Roth IRA.png

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  • 09 February 2024

Glow way! Bioluminescent houseplant hits US market for first time

  • Katherine Bourzac

You can also search for this author in PubMed   Google Scholar

Firefly petunia plant glowing green in the dark.

The firefly petunia glows a continuous, faint green in the dark. Credit: Light Bio

Consumers in the United States can now pre-order a genetically engineered plant for their home or garden that glows continuously. At a base cost of US$29.00, residents of the 48 contiguous states can get a petunia ( Petunia hybrida ) with flowers that look white during the day; but, in the dark, the plant glows a faint green. Biotechnology firm Light Bio in Sun Valley, Idaho, will begin shipping a batch of 50,000 firefly petunias in April.

Researchers contacted by Nature seem enamoured by them. This is a “groundbreaking event” — to have made a plant that can bioluminesce brightly enough to be seen with the naked eye and sold to plant lovers, says Diego Orzáez, a plant biologist at the Institute of Plant Molecular and Cellular Biology in Valencia, Spain. “Being a European, I have envy that consumers in the United States can have their hands on these plants.”

Growing and glowing

Keith Wood, chief executive and co-founder of Light Bio, has been working on bioluminescent plants — which emit light through chemical reactions inside their cells — since the 1980s. In 1986, he and his colleagues reported 1 making the first such plant, a type of tobacco ( Nicotiana tabacum ) into which they inserted the luciferase gene from fireflies ( Photinus pyralis ). At the time, the goal was to learn about the basics of gene expression, and the tool is still used by plant biologists today. Researchers can engineer plants so that when a particular gene of interest is activated, the luciferase gene is too, and the plant will light up.

Because this was “a cool thing”, Wood says, start-up companies then tried to make the plants for decorative purposes. But the plants glowed only faintly and needed special food to fuel their light-emitting chemical reaction.

Fast-growing parts of the plant, such as budding flowers and leaves, glow the brightest. Credit: Light Bio

The firefly petunia glows brightly and doesn’t need special food thanks to a group of genes from the bioluminescent mushroom Neonothopanus nambi . The fungus feeds its light-emitting reaction with the molecule caffeic acid, which terrestrial plants also happen to make. By inserting the mushroom genes into the petunia, researchers made it possible for the plant to produce enzymes that can convert caffeic acid into the light-emitting molecule luciferin and then recycle it back into caffeic acid — enabling sustained bioluminescence 2 . Wood co-founded Light Bio with two of the researchers behind this work, Karen Sarkisyan, a synthetic biologist at the MRC Laboratory of Medical Sciences in London, and Ilia Yampolsky, a biomolecular chemist at the Pirogov Russian National Research Medical University in Moscow.

Unlike fluorescence, which requires special light bulbs, the petunia’s bioluminescence happens without needing any particular type of light or special food. That sets the plant apart from other glowing creatures on the market, the GloFish . These aquarium pets, available in many species and colours — including electric green tetras — fluoresce under ultraviolet light.

“If you treat the plant really well, if it gets enough sunlight and it’s healthy, it will glow brighter,” Sarkisyan says. But he wants to manage people’s expectations: it’s not bright enough to keep you awake at night. It’s a gentle green glow similar to the light of the full Moon.

Genetic engineering in a different light

The plant was approved by the US Department of Agriculture in September. Sarkisyan says that Light Bio chose petunias because they’re used widely as ornamental plants in the United States. It also chose them to minimize risk. This type of petunia is not native to North America, and is not considered an invasive species. So the chances of the modified genes spreading into native plants and disrupting ecosystems should be minimal.

Scientists contacted by Nature didn’t see any safety risks. “I cannot imagine any reason why this should be a concern,” Orzáez says.

“People’s reactions to genetically modified plants are complicated,” says Steven Burgess, a plant biologist at the University of Illinois Urbana–Champaign. Many concerns centre around who owns a technology and who benefits from it. A glowing houseplant is different from plants used by the agriculture industry, in which one company owns the seeds, he says.

Burgess compares the glowing petunia with another timely product. The purple tomato ( Solanum lycopersicum ), for which seeds went on sale earlier this month in the United States, is the first genetically modified food product to be marketed directly to gardeners. Researchers inserted genes from a snapdragon plant ( Antirrhinum majus ) into the tomato 3 to achieve its colour and high levels of anthocyanins, which are antioxidants.

A whole purple tomato and a slice of a purple tomato.

The purple tomato gets its hue by expressing genes of a snapdragon plant. Credit: Norfolk Plant Sciences

When asked whether Light Bio is worried about plant lovers sharing cuttings of the petunia with friends, Sarkisyan says that although the firm owns patents for the technology, it doesn’t plan to crack down aggressively on the behaviour. “The most positive way of dealing with it is to come up with new, better products,” he says. This year, the company shared 4 that it has succeeded at increasing the brightness of the bioluminescence in its plants by incorporating genes from other mushroom species and using directed evolution to make them function better in the plants.

Orzáez is excited about the research potential of the technology behind the petunias. He is currently developing plants that use the mushroom luciferase system to communicate when they are stressed or infected by a virus. He imagines that future farmers might get an early heads-up about problems with their crops from satellites or drones flying at night.

“Genetic engineering can be used for the good of humanity,” Orzáez says, acknowledging that many people are scared of it. “Having positive examples of genetic engineering, something people can touch and bring home” — such as the firefly petunia — could help people to see such modifications in a different light, he says.

doi: https://doi.org/10.1038/d41586-024-00383-3

Ow, D. W. et al. Science 234 , 856–859 (1986).

Article   PubMed   Google Scholar  

Mitiouchkina, T. et al. Nature Biotechnol. 38 , 944–946 (2020).

Butelli, E. et al. Nature Biotechnol. 26 , 1301–1308 (2008).

Shakhova, E. S. et al. Nature Methods https://doi.org/10.1038/s41592-023-02152-y (2024).

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