A 6-Figure Income Ain’t What it Used to Be

A 6 figure income used to feel like a marker that you were getting ahead.

It meant security. It meant progress. It meant you were doing something right.

Plenty of people still hit $100,000 and feel like they have crossed some invisible line into financial comfort.

The trouble is the world has shifted.

What once felt like a milestone can now give a false sense of safety. People assume a bigger salary will do the heavy lifting for them, that earning more is the same as getting ahead. It is an easy trap to fall into, especially when life is busy and you are just trying to stay on top of work, kids, sport, and everything else.

The reality is that the buying power of your income has quietly been slipping away.

In the last four years the dollar has lost almost 17% of what it could buy.

You now need around $117,000 just to match what $100,000 covered not that long ago.

That is before we even talk about the real pressure points. Housing. Groceries. Childcare. Interest rates.

So the problem is not your income. It is relying on your income as the whole plan. When your salary becomes the main engine of progress it puts you on a treadmill. The moment life gets more expensive you feel like you are slipping backwards. You might be earning more than ever and still feel stuck in the same place.

The shift comes when you treat your salary as fuel rather than the destination.

Income helps you live. Assets help you move forward. Assets grow when you are asleep. They compound quietly in the background. They are the part of your financial life that rises faster than the cost of living over the long term and gives you more options later.

This is why the most ambitious families I work with end up building a system rather than just chasing pay rises. They funnel part of their income into ownership. Shares. Super. Businesses. Property. Things that grow with the broader economy rather than get eroded by it. That structure gives them direction when life feels chaotic and becomes the difference between drifting and building.

A six figure salary can still be a great thing. It opens doors and gives you room to move. But it only works if you pair it with assets that do the heavy lifting in the background.

The goal is to get to a point where your money is working as hard as you are. When that happens you feel more in control, less overwhelmed and far more confident about the next ten years.

Want to know more?

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The information contained in this article is general information only. It is not intended to be a recommendation, offer, advice or invitation to purchase, sell or otherwise deal in securities or other investments. Before making any decision in respect to a financial product, you should seek advice from an appropriately qualified professional. We believe that the information contained in this document is accurate. However, we are not specifically licensed to provide tax or legal advice and any information that may relate to you should be confirmed with your tax or legal adviser.