My income has totally varied over the years to be honest! When I graduated college, it was something like $66k with maybe a $3k bonus (not a ton of money for SF)! Then I had a couple of promotions that got me into the low six figures, and then I moved into sales (and sales is inconsistent-you’ll have better months than others). But yes, there were totally years where I was making 105k, 115k, 120k, so your math is pretty spot-on (and your comment about 105k being normal is right too)! On the investing side-I wrote an article about my investment picks that goes into more depth..some of my ETF's have acheived much higher than the 10% above (like Vanguard's VGT) has been about 28% over the past 5 years.