Is $100 Dollars a Lot of Money – Yes…and No…

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If you don’t have a dollar to your name, then $100 dollars can seem like a lot of money. If, on the other hand, you have a job that pays a decent wage, then that 100 bucks isn’t going to seem like so much. Or you might fall somewhere in between, so when it comes to is $100 dollars a lot of money, it all depends. Let’s take a minute to see what we can find out.

Is $100 Dollars a Lot of Money

I know there have been times in my life that a hundred dollars seemed like a great deal of money. 

In fact, even $20 or $30 dollars was a lot because I didn’t have it.

I remember standing in Barnes & Noble looking at a leather-bound journal that I really…really wanted. It cost about $26 dollars, but I simply didn’t have the extra cash, so I couldn’t buy it.

I looked at that journal every time my father and I went.

It really bothered me that I couldn’t buy something that was truly not expensive at all.

So, if someone had handed me 100 bucks to blow right then, it would have seemed like a good deal of money indeed.

But let’s look and see how $100 dollars can impact your life and if it is as some call it, real money.

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$100 Dollars as a Salary

If you’re making $100 dollars a day and working 5 days a week, it’s not a high salary, but you can live on it as long as you aren’t living in a super expensive city.

You’d be making $26,000 dollars a year.

A hundred dollars an hour is another matter.

Working full-time, 40 hours per week, you’d be making $800 dollars a day, or $4,000 dollars a week.

That would be good in just about anyone’s book.

I know I could live very well on that much money on a daily basis. 

On the other end of the spectrum, if you are making a hundred dollars a month, then you must not be working full-time or getting an actual salary.

You wouldn’t even be able to live a week on a hundred dollars.

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$100 Dollars as a Gift

A hundred bucks is a great gift. 

Whether you give or get the money for a wedding gift, a graduation gift, or even a birthday gift. It is a nice chunk of change.

I know I’d be pretty darn happy with it.

In fact, my brother-in-law gave me $100 dollars for Christmas. I felt it was very generous and I enjoyed spending every cent of it.

$100 Dollars for Retirement

No one can retire on $100 dollars. Even if you had a hundred dollars a month to add to your social security, it isn’t going to go very far. 

Yes, this small bit of money might pay for a prescription or a week’s worth of groceries, but that is about all.

Now if you invest it when you first receive it, it will grow into some retirement income, but not much.

It might be a tiny cushion in case you have an emergency such as your car breaking down or your heating and air dying, but that’s about it.

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$100 Dollars to Live On

Unfortunately, you can’t live on a hundred dollars, at least not here in the United States.

In fact, you would be hard-pressed to live on a hundred dollars for a month anywhere in the world. 

It simply isn’t enough to meet your daily and monthly needs.

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$100 To Have In Your Savings

While $100 dollars isn’t going to give you the emergency fund you need, it is a start. 

If you don’t have any savings consider getting a savings account and start your nest egg with this first 100 bucks.

It might encourage you to do what you can to save more and see it grow.

If nothing else, if you do have an emergency, you will have at least a hundred dollars to put towards it.

$100 Dollars to Invest

While you wouldn’t think that a hundred dollars are enough to invest, you’d be wrong.

With an app such as Acorns, you can invest as little or as much as you want. 

If you take your $100 dollars and invest it in a fund that pays 10% interest a year for 40 years you would end up with $4,500 dollars.

That’s not bad.

However, if you added a hundred dollars to that initial investment month after month over those 40 years you would end up with $535,000 dollars. 


That pitiful $100 dollars doesn’t seem so pitiful now.

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What Can You Do With $100 Dollars?

There are a number of things you can do with $100 dollars. 

Let’s take a look at some of them. 

You can:

  • Go to a nice restaurant (maybe even take a date)
  • Go to a major sporting event
  • Take a family of 4 to the movies and buy popcorn and drinks
  • Go to an amusement park

What Can’t You Do With $100 Dollars?

So, what can’t you do with a hundred dollars?

Well, you can’t…

  • Go on a vacation
  • Buy a diamond ring
  • Pay for dinner for 4
  • Rent a car for a weekend

What is $100 Per Year an Hour

If you’re only making a hundred dollars a year and you’re working full-time, you better get a different job. 

You’d be making just under 5 cents per hour.

How Much Per Month is $100

Again, if you are making $100 dollars per year, that would be $8.33 cent a month.

That’s not going to get you anywhere.

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Can You Buy a House with $100 Dollars?

No, you can’t buy a house for $100 dollars. You can even rent one for that.

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To Sum it All Up:

$100 dollars isn’t a lot of money unless you are completely broke. Then it can seem like a windfall. You can invest it and possibly make thousands of dollars especially if you are adding to your investment on a monthly basis. But in general, 100 dollars isn’t going to do much for you.

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