“I invested 100k by 25 - here’s how” with Jane Joo
Making Cents · Frances Cook
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Show Notes
They say that the first $100,000 invested is the hardest milestone, but also most important. Once you’re there, compounding starts to do more of the heavy lifting. But getting there, well, you’ll have to scrap for it.
Today’s guest, Jane Joo, reached that milestone by age 25.
So how did she actually do it?
This episode cuts through the noise to unpack what works in the real world.
No trust fund, no extreme deprivation, and no finance degree. Just consistent habits, deliberate choices, and a clear goal.
Jane shares how she started investing while still a university student, why she focused on small, regular contributions instead of waiting to feel “ready,” and how she balanced earning more with spending intentionally. We talk about avoiding lifestyle creep, negotiating fixed expenses, side hustles, and what is really took to build her first $100k.
We also dig into her investing approach - from early stock picking to a growing preference for index funds - plus the mindset shifts that helped her stay consistent through market ups and downs.
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This podcast was filmed & produced by Fanaticals
Video editing & content production by Lana Byrne
Audio engineering by Tash Chittock
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