I-20--> truly need ur advice

I’m currently preparing the I-20 visa application
for my study in the US
but I got one big problem regarding the financial support declaration which I
hope you can advise me on: 

Say, the total cost for my 2-yr study (tuition
plus living expenses) is US$100,000 (half for 1^st yr and 2^nd
yr respectively). Then:

 1.     
Do I have to prove that I have
the total US$100,000 ON HAND
to apply for the visa OR

2.     
Do I only have to prove that I
have US$50,000 ON HAND to
support the 1^st yr of study and then show that I WILL HAVE the other $50,000 to support the rest
of my study? 

Hope that I have made myself clear and your
advice is much appreciated! Thanks!

如果你有2年的钱最好，但是1年的是必须的

很多例子1年的也签了，不过把握起见建议2年，或者起码可以证明出第二年有什么办法可以赚到钱

比方说你父母1年工资7万美金，第二年就拿出5万就好了

或者说股市现在有10万美金，第二年打算卖5万