I never came close to 100k in a year.
I once got a $62,000 bonus from a high pressure executive job. This was on top of a six figure income.
I paid off all my debts, except the mortgage (car loans, credit cards, etc)
I quit three weeks later to start my own business. Did that for fourteen years. I came close to $80k one year, but he first two years we lived off my wife. We continued living off my wife and saved mine every year.
I despise debt. And without it you can live as if you are paid about 20% more than you arebecause you are not paying interest.