This is a guest post from FMF at Free Money Finance , a personal finance blog designed to help you grow your net worth. You can subscribe to Free Money Finance here . Historically, “making six figures” has been to income earners what “becoming a millionaire” has been for those tracking their net worths — a lofty goal achieved by only a select few. And while neither a six-figure earner nor a millionaire can bask in the luxury they could a couple decades ago, there’s no doubt that earning over $100,000 a year still puts you in a select group. In fact, the U.S. Census Bureau says that only 5.63% of individual income earners and only 17.8% of households had incomes of $100,000 or more in 2006. So despite the drop in purchasing power from the days of old, if you earn $100k or more each year, you’re still in an elite group. How can you get into the six-figure club? There are many roads to this golden path (lottery, inheritance, take over a family business, etc.), but many, if not all, of these are out of your control. As such, I’m going to focus on what I consider to be the method that will give the most people the greatest chance of earning $100k or more — by developing a career and growing it over time . Specifically, I’m going to tell you how I got to six figures in seven years and how you can use these principles to do the same. Words of warning You’re probably skeptical. I’m okay with that at this point. Read on with an open mind and I think you’ll be pleased. And while I can assure you that the tips below are proven and repeatable, I must admit that they’re also challenging. Therefore I’d like to make the following perfectly clear before I get started: These suggestions are difficult to follow. They require tough choices, time commitments, sacrifice, discipline and a bunch of other traits that most people don’t want to bother with. If they did, many more workers would make six figures. That’s their choice, of course, but these same people should then not complain that the steps won’t work (or are too hard or whatever.) This piece is not titled “Five EASY Steps to Six Figures in Seven Years” for a reason — they are not easy. There are exceptions to these principles. Probably many exceptions. Just as with any personal finance advice, people’s situations, skills, opportunities, personalities, likes, dislikes, and so on are different. What works for one person may or may not work for another. (As J.D. often says, “Do what works for you.”) I’m cheating a bit. Just to be completely honest, the seven years noted in the title are post-college (in my case post grad school.) One could argue that those years of schooling should count towards earning six figures. If you’d like to count them, go ahead. But “Five Steps to Six Figures in Thirteen Years” just doesn’t have the same ring to it as the current title. These tips will work. They worked for me. This is exactly what I did to earn six figures in seven years. In addition, I’ve had many friends and colleagues do the same, so I know it’s repeatable — if you follow the steps. I’ll end this preamble by saying I’m not trying to brag (though I realize some of this may sound like it), just offer you a first-hand experience of what worked for me. In fact, if you want to see how much humble pie I’ve had to eat during my career, read my series detailing all the jobs I’ve ever held . In it, you’ll see that my road was not smooth or without its own challenges. But even with those obstacles I’ve been able to live out the principles that follow and lead to a six-figure income. I hope you can do the same. That said, here are my five steps to six figures in seven years. Step one: Get a high-earning degree from a good school It’s a fact of life that certain college degrees result in a higher earning potential . So graduating in one of these fields gives you a built-in jump on the pack as you try to reach six figures quickly. If you want to be a teacher, that’s fine; it’s a great and noble profession. But it’s likely you won’t be able to make six figures quickly (if ever). If you focus on the top few degrees (and the professions associated with them), you’ll get a big headstart towards reaching your goal. Note that I suggest you go to a “good” school. In my opinion, you do not need to go to a top-notch college to make this work. I recommend going to the least expensive school that gets you the degree you need and the initial job you want. Once you do this, the school you attended makes very little difference in your career or earning potential. I went to a top 25 business school (not top 10 or even top 20), but I left with only $5,000 in debt and the job I desired from my targeted employer. Before I decided to go to my school, I knew the employer I wanted to work for recruited there. You should know the same. Just like a r