I keep seeing the ‘save 100k by 30’ hype recently. Is 100k inclusive of investments? Or just purely savings?

Liquid assets

Whether $100k by 30 is by investments or purely savings or not may not be the best thing for you to focus on.

Accumulating $100k by 30 can be just another goalpost to “feel okay” about where you are or it can be meaningful - that’s up to you.

You could save $100k in 10 years and make that easier through increasing the amount you are worth being paid in your career over time and increasing your savings, or you can use investments. It really doesn’t matter. What matters is why you need $100k by 30. That’s when the method matters.