the first step of saving $100,000 no matter what your finances look like right now is to make sure you're doing a monthly budget that's because your budget is a plan for your money and if you want to get a $100,000 then your budget is the road map to get there personally I use every dollar it's a budgeting app that I highly recommend it's completely free it's really easy to use so you guys if you've never done a budget before or tracked your spending or any of this it's going to take about 3 months to get your budget to work okay so the first month it's going to be terrible second mon month it's going to be a little bit better and by the third month it should start working so third times a charm.