Lets take it apart into the main issues:
The actual database/application: How you type your query MIGHT change how the SQL application actually optimizes your query, where it gets the data from, etc. Then again, it might not. Its hard to generalize here and depends on the database application and setup.
Programmer resources: Using * instead of typing things out is easier and quicker for you. Yay! And if the "implication" behind the command is literally "get everything", maybe its a nice bit of programmer communication to use * instead of listing all the columns out by hand. Being hit in the face with a list of hundreds of column names as a programmer reading code afterwards is an unpleasant experience. On the other hand, listing things by hand can act as a bit of a signal that there's some reason you're asking for those columns specifically. Its not a strong signal, but its still a signal.
Other resources/IO/memory, etc: Now, if you don't actually need all 100 columns and you're querying them because you're lazy, then we get into further grey area. What's the database being loaded from? Where are the query results going? How fast are the read/write speeds on those things? Do you really want to do that with all the columns? How much memory or resources are going to be used in actioning the query? Will it be using an index? Is it indexed? Do you even need to care about optimization at this stage?
So the long and short of it is, its a grey area...