Six figures is a real inflection point — not just a number that sounds nice, but the level where maxing tax-advantaged accounts becomes realistic, where losing your income to disability has bigger consequences, and where most people first need to think deliberately about estate planning rather than just a basic will.
At $100K, prioritize maxing out tax-advantaged accounts (401(k), HSA), increasing income protection since a disability now risks a larger income, recalculating life insurance against your higher earnings, and starting basic estate planning, since you likely have more to protect than a will alone covers.
The 2026 401(k) limit is $24,500, and if you have a high-deductible health plan, the HSA limit is $4,400 individual / $8,750 family — both reduce your taxable income directly. At $100K+, maxing these isn't just "good practice," it's a meaningful, calculable tax reduction worth prioritizing before building a taxable brokerage account.
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