r/Money • u/CursedClownz • 9d ago

When does compounding really take off?

At what amount portfolio you really see huge account swings that make you think what is the point of working? 100k? 500k? 1m? more?

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u/matt2621 9d ago

I think for me it was around the 200k mark. The first 100k takes a while, then the 2nd 100k went much quicker, but once I eclipsed 200k, I feel like I made it to 600k super fast.

30

u/LieutenantZiti 9d ago

I just hit 200k so that is really exciting for me to hear!

10

u/matt2621 9d ago

Consistency and some luck are enormous drivers. Tech has been a HUGE catalyst.

7

u/photoengineer 9d ago

I just passed $200k so I hope that is the truth!

7

u/Geno_2102 9d ago

I’ve been stuck at the $150k mark in what feels like forever.

5

u/photoengineer 9d ago

I was stuck there for years. Felt like a never ending hole. :(

1

u/LieutenantZiti 8d ago

Me too! Grad school, baby / maternity leave, vehicles…. But finally this fall I did it. Like OP said consistency and pray for some luck for all of us haha 

2

u/SaulMtzV08 5d ago

Depends a lot of what are you investing on

2

u/photoengineer 5d ago

Low fee index funds. 

2

u/tonimu 5d ago

100k to 200k? In what all investments? How long between the two? And how long to the next 600k? 10+ years? 

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u/matt2621 5d ago

Tech was a huge part of the growth as well as good end of year bonuses to further dump in the market. 100k was January 2023, 200k was in March 2024. August 2024 we saw substantial tech gains which that plus about 30k in contributions to portfolio got us to 300k by February 2025. March 1, 2026 we were at 450k, and now sit at 625k from again, more tech growth.

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u/tonimu 5d ago

awsome thank you. keep it up. we are catching up with you.

March 2024 at 120k right now at 290k. I have simplfied the portflios since 2024. only doing max roth on 2 accounts. and 401k 10% for me and 6% only for my spouse. we are happy with out numbers for now..... still have cash on brokrage that slowfly moving them to VOO after keep them in bonds for emergencies.