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You're FUCKED if you don't save $ in your early 20s. Here's why

https://i.pinimg.com/736x/2e/d6/5d/2ed65d34dbac86519947d298d...
Exhilarant purple candlestick maker really tough guy
  02/07/14
(Dave Ramsey)
Beta Gaped Ticket Booth Immigrant
  12/10/14
Germany bull
rose station jew
  09/15/23
...
Sepia indian lodge
  04/13/26
Brb transferring money to my roth
laughsome round eye
  02/07/14
...
fantasy-prone offensive kitty cat turdskin
  02/08/14
yep
Clear wonderful national queen of the night
  02/07/14
what is the apr on this
big-titted twisted dog poop
  02/07/14
12% lol.
Ivory bawdyhouse
  02/07/14
fucking boomers
Hairless lascivious point water buffalo
  02/07/14
...
aqua brunch shitlib
  04/13/26
...
Exhilarant purple candlestick maker really tough guy
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
curious masturbator principal's office
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
Vivacious gas station
  02/07/14
180
curious masturbator principal's office
  02/07/14
...
nudist tan orchestra pit
  02/08/14
...
vigorous lodge
  02/13/15
...
Deranged irradiated liquid oxygen
  04/18/16
...
curious masturbator principal's office
  02/20/17
...
Poppy depressive property
  02/20/17
...
Deranged irradiated liquid oxygen
  07/08/17
...
Exhilarant purple candlestick maker really tough guy
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
curious masturbator principal's office
  02/07/14
...
Exhilarant purple candlestick maker really tough guy
  02/07/14
(guy who recently watched The Secret)
curious masturbator principal's office
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
curious masturbator principal's office
  02/07/14
(Boomer in 2006 buying third investment property)
curious masturbator principal's office
  02/07/14
this will not occur over the next 40 years
Orange aphrodisiac digit ratio sneaky criminal
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
charismatic market internal respiration
  02/07/14
...
Exhilarant purple candlestick maker really tough guy
  02/07/14
Compare the demographics, foreign competition, and regulator...
Orange aphrodisiac digit ratio sneaky criminal
  12/10/14
...
Orange aphrodisiac digit ratio sneaky criminal
  04/18/16
A true genius
Orange aphrodisiac digit ratio sneaky criminal
  09/29/16
...
Mahogany casino private investor
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
Orange aphrodisiac digit ratio sneaky criminal
  04/18/16
Just do assume 12% returns for 45 years
floppy trust fund main people
  02/07/14
...
Exhilarant purple candlestick maker really tough guy
  02/07/14
CR incredibly retarded
Orange aphrodisiac digit ratio sneaky criminal
  02/07/14
It doesn't change regardless of rate.
charismatic market internal respiration
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
Orange aphrodisiac digit ratio sneaky criminal
  04/18/16
...
aqua brunch shitlib
  04/13/26
(finance genius)
Boyish emerald organic girlfriend
  02/20/17
So far so good
Obsidian Clown
  04/13/26
That's a pretty cool investment that goes up 10% every year....
adventurous mad cow disease
  02/07/14
...
Exhilarant purple candlestick maker really tough guy
  02/07/14
this will not be the case for the next 50 years
Orange aphrodisiac digit ratio sneaky criminal
  02/07/14
(Suze Orman after a few too many glasses of wine)
rambunctious nighttime business firm nowag
  02/07/14
lol'd
haunting wine idea he suggested
  04/18/16
haha
Bateful Slap-happy Volcanic Crater
  09/29/16
...
curious masturbator principal's office
  02/20/17
...
charismatic market internal respiration
  02/20/17
...
Stimulating white shrine
  02/20/17
...
canary step-uncle's house
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
Chest-beating lavender stage filthpig
  02/07/14
...
Exhilarant purple candlestick maker really tough guy
  02/07/14
Not if returns were negative when/in the years immediately f...
Chest-beating lavender stage filthpig
  02/07/14
...
Exhilarant purple candlestick maker really tough guy
  02/07/14
? All the hypo supposes is that you start investing in yo...
Chest-beating lavender stage filthpig
  02/07/14
...
Exhilarant purple candlestick maker really tough guy
  02/07/14
YOUR personal rate of return is different from the market's ...
Chest-beating lavender stage filthpig
  02/07/14
...
Exhilarant purple candlestick maker really tough guy
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
Chest-beating lavender stage filthpig
  02/07/14
...
Exhilarant purple candlestick maker really tough guy
  02/07/14
you realize that to obtain the returns you stated above, one...
Vivacious gas station
  02/07/14
...
Exhilarant purple candlestick maker really tough guy
  02/07/14
jfc why does she write shit like this
Excitant Cumskin
  07/09/17
This is true for everything ever.
Cerebral church
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
Ivory bawdyhouse
  02/07/14
U r 36? LOLOL
laughsome round eye
  02/07/14
34 but I put more money than $2000 per year in there.
Ivory bawdyhouse
  02/07/14
Damen. How does it feel to be literally half done with life?
laughsome round eye
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
Ivory bawdyhouse
  02/07/14
Goal retirement age??
laughsome round eye
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
Ivory bawdyhouse
  02/07/14
Any family pressure to get married??
laughsome round eye
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
Ivory bawdyhouse
  02/07/14
I'm 56 now
aqua brunch shitlib
  04/13/26
(39-year-old, MAF troll)
Arousing Heaven Knife
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
Pale piazza
  02/07/14
...
Exhilarant purple candlestick maker really tough guy
  02/07/14
Doctors are done here
laughsome round eye
  02/07/14
...
medicated talented patrolman stag film
  02/13/15
...
painfully honest sanctuary
  02/20/17
...
ungodly faggotry place of business
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
Ivory bawdyhouse
  02/07/14
What were u doing at 22?
laughsome round eye
  02/07/14
crappy consulting firm do municipal bond analysis.
Ivory bawdyhouse
  02/07/14
you should've gone into finance, instead. you'd have a milli...
Chest-beating lavender stage filthpig
  02/07/14
I was too lazy in college, but yeah would have been a good i...
Ivory bawdyhouse
  02/07/14
$38k was a decent starting salary in 1995...?
passionate kitchen
  02/08/14
my gf doesn't even have a credit card. she's 24
Appetizing chapel codepig
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
nofapping heady home bbw
  02/07/14
...
Exhilarant purple candlestick maker really tough guy
  02/07/14
yes arthur is fucked, ben pwns him
nofapping heady home bbw
  02/07/14
Twist: Arthur was swimming in student loan debt
curious masturbator principal's office
  02/07/14
...
Thriller zippy menage indirect expression
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
demanding space
  02/07/14
...
Charcoal nursing home
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
zombie-like dashing pozpig
  02/07/14
True, the idea that investing early is a good idea sure didn...
demanding space
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
Mentally impaired overrated pervert school
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
Mentally impaired overrated pervert school
  07/08/17
Right. The person who started investing earlier is still in ...
Bearded Tantric Hospital Double Fault
  07/09/17
I think the more interesting hypo is a guy who starts invest...
Red Territorial Gaping Persian
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
Charcoal nursing home
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
aromatic fiercely-loyal range nibblets
  02/07/14
I still think it's more credited to maintain liquidity and i...
high-end trip pit fanboi
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
Ivory bawdyhouse
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
demanding space
  02/07/14
(cgm)
fragrant vermilion dilemma
  02/07/14
What does this look like if you assume 6% returns?
carmine address
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
dun den
  02/08/14
...
Exhilarant purple candlestick maker really tough guy
  02/17/14
not really. my parents had very little just 20 years ago...
Swashbuckling Son Of Senegal
  02/08/14
...
Exhilarant purple candlestick maker really tough guy
  02/10/14
...
galvanic cowardly whorehouse
  07/08/17
So your telling me that if I make a lot of money ill do well...
titillating rehab
  12/10/14
...
Exhilarant purple candlestick maker really tough guy
  05/14/14
...
Exhilarant purple candlestick maker really tough guy
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
Silver soul-stirring temple halford
  12/10/14
...
Exhilarant purple candlestick maker really tough guy
  12/10/14
...
Exhilarant purple candlestick maker really tough guy
  02/13/15
this is retarded. for most of us, that would have meant soc...
marvelous know-it-all psychic hall
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
medicated talented patrolman stag film
  02/13/15
...
Exhilarant purple candlestick maker really tough guy
  02/13/15
we're in a bubble right now, so all of those figures are bul...
marvelous know-it-all psychic hall
  02/13/15
...
Exhilarant purple candlestick maker really tough guy
  02/13/15
A year later after bitching in this thread, I have fucking $...
Ivory bawdyhouse
  02/13/15
...
Exhilarant purple candlestick maker really tough guy
  02/13/15
What has your APR been?
bipolar roommate abode
  02/13/15
how much money did you have in cash on the sidelines from th...
cordovan internet-worthy box office
  02/13/15
...
Exhilarant purple candlestick maker really tough guy
  12/29/15
...
Exhilarant purple candlestick maker really tough guy
  04/18/16
I remember a teacher showing us this kind of chart back arou...
cheese-eating angry crackhouse antidepressant drug
  04/18/16
wise move
Smoky parlor degenerate
  04/18/16
I brought up shit like fees and realistic rates and the guy ...
aqua brunch shitlib
  04/13/26
Too late now. Might as well YOLO out of control.
Gay misanthropic theater stage
  04/18/16
...
Exhilarant purple candlestick maker really tough guy
  04/18/16
This is false and assumes one continues working a cookie-cut...
Swashbuckling Son Of Senegal
  04/18/16
just do >10% growth every year. worked for bernie madoff
iridescent mother
  04/18/16
This bort is retarded.
charismatic market internal respiration
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
Lime idiot
  04/18/16
...
Exhilarant purple candlestick maker really tough guy
  04/18/16
you pointed it out above several times, and each time you go...
Lime idiot
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
unholy tanning salon
  04/18/16
The real reason this chart is dumb is because of inflation. ...
topaz mind-boggling travel guidebook azn
  04/18/16
...
Exhilarant purple candlestick maker really tough guy
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
topaz mind-boggling travel guidebook azn
  04/18/16
...
Exhilarant purple candlestick maker really tough guy
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
Rough-skinned drab background story institution
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
erotic office
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
fighting alpha meetinghouse
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
pea-brained boistinker
  02/20/17
I agree generally that returns will be lower. But if you ask...
fighting alpha meetinghouse
  02/20/17
saving for retirement is flame. just slide and let do
Razzle-dazzle doctorate
  04/18/16
cr
Lime idiot
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
ungodly faggotry place of business
  09/29/16
...
Exhilarant purple candlestick maker really tough guy
  09/29/16
How do they get 10% retune every year
exciting impressive school cafeteria crotch
  09/29/16
noob investor question, but isn't this idea kind of self per...
racy jap elastic band
  09/29/16
Student loan interest exceeds most investment returns so tha...
Silver soul-stirring temple halford
  09/29/16
...
racy jap elastic band
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
Pink adulterous community account generalized bond
  02/20/17
...
Pink adulterous community account generalized bond
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
self-absorbed becky
  07/08/17
COMPOUND INT--*nuke melts face*
aqua brunch shitlib
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
provocative tripping lay trump supporter
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
aqua brunch shitlib
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
provocative tripping lay trump supporter
  07/08/17
(Not a rental property owner)
Orange aphrodisiac digit ratio sneaky criminal
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
Bearded Tantric Hospital Double Fault
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
Pink adulterous community account generalized bond
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
provocative tripping lay trump supporter
  07/08/17
now show me the table for $300K at 8% in student loans
Shimmering contagious stage factory reset button
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
aquamarine field
  07/08/17
...
ungodly faggotry place of business
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
Shimmering contagious stage factory reset button
  07/08/17
data entry
galvanic cowardly whorehouse
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
Shimmering contagious stage factory reset button
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
galvanic cowardly whorehouse
  07/08/17
CR
ungodly faggotry place of business
  07/08/17
Admin assistant
ungodly faggotry place of business
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
Shimmering contagious stage factory reset button
  07/08/17
According to the chart all you need to invest is like 2k a y...
ungodly faggotry place of business
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
Navy electric hunting ground
  07/08/17
things barzini knew and did that you did not for $200, alex
Thriller zippy menage indirect expression
  07/09/17
I think a much more sure bet is Social Security taxes being ...
walnut native
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
Navy electric hunting ground
  07/08/17
Investment compounding is the single biggest scam the inve...
dun den
  07/09/17
...
Splenetic mint coffee pot
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
canary step-uncle's house
  08/23/17
...
Exhilarant purple candlestick maker really tough guy
  09/15/23
how’d we all do?
Pink adulterous community account generalized bond
  04/13/26
Not flame bc of the OP I invested $35k and it’s worth ...
Spectacular stead lettuce
  04/13/26
...
Sepia indian lodge
  04/13/26


Poast new message in this thread



Reply Favorite

Date: February 7th, 2014 3:20 PM
Author: Exhilarant purple candlestick maker really tough guy

https://i.pinimg.com/736x/2e/d6/5d/2ed65d34dbac86519947d298d833de61.jpg

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24973861)



Reply Favorite

Date: December 10th, 2014 4:58 PM
Author: Beta Gaped Ticket Booth Immigrant

(Dave Ramsey)

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#26902444)



Reply Favorite

Date: September 15th, 2023 12:25 PM
Author: rose station jew
Subject: Germany bull

https://www.poerkan.com/product/germany-niubian-pills/

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#46800798)



Reply Favorite

Date: April 13th, 2026 1:58 PM
Author: Sepia indian lodge



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#49814664)



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: laughsome round eye

Brb transferring money to my roth

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24973868)



Reply Favorite

Date: February 8th, 2014 10:44 AM
Author: fantasy-prone offensive kitty cat turdskin



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24977580)



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: Clear wonderful national queen of the night

yep

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24973869)



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: big-titted twisted dog poop

what is the apr on this

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24973876)



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Ivory bawdyhouse

12% lol.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24973888)



Reply Favorite

Date: February 7th, 2014 3:25 PM
Author: Hairless lascivious point water buffalo

fucking boomers

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24973898)



Reply Favorite

Date: April 13th, 2026 1:57 PM
Author: aqua brunch shitlib



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#49814662)



Reply Favorite

Date: February 7th, 2014 3:28 PM
Author: Exhilarant purple candlestick maker really tough guy



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24973909)



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: curious masturbator principal's office

So for the next 50 years the US Economy will be as prosperous as the last 50?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24973943)



Reply Favorite

Date: February 7th, 2014 3:34 PM
Author: Vivacious gas station

haven't you read the disclaimer at the bottom of every mutual fund or etf prospectus? it says past returns predict future results.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24973956)



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: curious masturbator principal's office

180

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24973957)



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: nudist tan orchestra pit



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24977596)



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: vigorous lodge



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#27308992)



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: Deranged irradiated liquid oxygen



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#30296117)



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: curious masturbator principal's office



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#32659739)



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: Poppy depressive property



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#32659752)



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: Deranged irradiated liquid oxygen



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#33727729)



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: Exhilarant purple candlestick maker really tough guy



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24973961)



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: curious masturbator principal's office

Change your 10 year window to 1999 to 2009, you'd be down almost 20 percent.

United States 1950-2001 was an absolute powerhouse, I do not expect the same domination for the next 50 years, not of that magnitude.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24974015)



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: Exhilarant purple candlestick maker really tough guy



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24974029)



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: curious masturbator principal's office

(guy who recently watched The Secret)

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24974037)



Reply Favorite

Date: February 7th, 2014 3:56 PM
Author: curious masturbator principal's office

(Japanese broker encouraging you to buy the Nikkei in 1989)

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24974074)



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: curious masturbator principal's office

(Boomer in 2006 buying third investment property)

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24974084)



Reply Favorite

Date: February 7th, 2014 3:59 PM
Author: Orange aphrodisiac digit ratio sneaky criminal

this will not occur over the next 40 years

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24974094)



Reply Favorite

Date: February 7th, 2014 4:36 PM
Author: charismatic market internal respiration

So annual returns are declining by 1-2 percent per year in your timescale? Got it.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24974300)



Reply Favorite

Date: February 7th, 2014 4:40 PM
Author: Exhilarant purple candlestick maker really tough guy



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24974318)



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: Orange aphrodisiac digit ratio sneaky criminal

Compare the demographics, foreign competition, and regulatory burden at those times vs the next 40 years.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#26902473)



Reply Favorite

Date: April 18th, 2016 9:12 AM
Author: Orange aphrodisiac digit ratio sneaky criminal



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#30296267)



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: Orange aphrodisiac digit ratio sneaky criminal

A true genius

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#31521448)



Reply Favorite

Date: April 18th, 2016 7:41 AM
Author: Mahogany casino private investor



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#30296069)



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: Orange aphrodisiac digit ratio sneaky criminal

Holy shit, I always thought you were a dumb shitlib, but you actually are a very low IQ moron.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#30296264)



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: floppy trust fund main people

Just do assume 12% returns for 45 years

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24973884)



Reply Favorite

Date: February 7th, 2014 3:29 PM
Author: Exhilarant purple candlestick maker really tough guy



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24973915)



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: Orange aphrodisiac digit ratio sneaky criminal

CR incredibly retarded

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24974063)



Reply Favorite

Date: April 18th, 2016 8:57 AM
Author: charismatic market internal respiration

It doesn't change regardless of rate.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#30296224)



Reply Favorite

Date: April 18th, 2016 9:13 AM
Author: Orange aphrodisiac digit ratio sneaky criminal

LOL. Yes it does. Try 0% and see what happens.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#30296270)



Reply Favorite

Date: April 13th, 2026 1:59 PM
Author: aqua brunch shitlib



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#49814669)



Reply Favorite

Date: February 20th, 2017 9:25 AM
Author: Boyish emerald organic girlfriend

(finance genius)

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#32660234)



Reply Favorite

Date: April 13th, 2026 1:50 PM
Author: Obsidian Clown

So far so good

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#49814641)



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: adventurous mad cow disease

That's a pretty cool investment that goes up 10% every year. What's it called?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24973885)



Reply Favorite

Date: February 7th, 2014 3:29 PM
Author: Exhilarant purple candlestick maker really tough guy



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24973917)



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: Orange aphrodisiac digit ratio sneaky criminal

this will not be the case for the next 50 years



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24974089)



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: rambunctious nighttime business firm nowag

(Suze Orman after a few too many glasses of wine)

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24973886)



Reply Favorite

Date: April 18th, 2016 9:35 AM
Author: haunting wine idea he suggested

lol'd

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#30296344)



Reply Favorite

Date: September 29th, 2016 10:24 AM
Author: Bateful Slap-happy Volcanic Crater

haha

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#31520040)



Reply Favorite

Date: February 20th, 2017 1:49 AM
Author: curious masturbator principal's office



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#32659740)



Reply Favorite

Date: February 20th, 2017 8:38 AM
Author: charismatic market internal respiration



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#32660112)



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: Stimulating white shrine



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#32660118)



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: canary step-uncle's house



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#34051903)



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Chest-beating lavender stage filthpig

Jesus, stfup. No, you're not fucked if you don't begin investing by 21, though it is certainly advantageous.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24973892)



Reply Favorite

Date: February 7th, 2014 3:30 PM
Author: Exhilarant purple candlestick maker really tough guy



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24973927)



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Chest-beating lavender stage filthpig

Not if returns were negative when/in the years immediately following when you started --i.e.-- a 22 yo in 2008 starting his 401K right as the stock market tanked. This also isn't true if you compensate by saving/investing more later.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24973941)



Reply Favorite

Date: February 7th, 2014 3:36 PM
Author: Exhilarant purple candlestick maker really tough guy



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24973971)



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: Chest-beating lavender stage filthpig

?

All the hypo supposes is that you start investing in your early 20s. The "miracle of compounding" is thanks to markets, which obviously fluctuate dramatically and do not offer consistent returns/

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24973993)



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Exhilarant purple candlestick maker really tough guy



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24974016)



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Chest-beating lavender stage filthpig

YOUR personal rate of return is different from the market's average rate of return, based on a variety of factors, such as the precise timing/market direction of when you first began investing.



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24974038)



Reply Favorite

Date: February 7th, 2014 3:49 PM
Author: Exhilarant purple candlestick maker really tough guy



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24974047)



Reply Favorite

Date: February 7th, 2014 4:13 PM
Author: Chest-beating lavender stage filthpig

False.

Here's a 5-year example:

Joe invests $1000 in 2002. The market grows 10% each year. In 2007, he thus has about $1600 after 5 years.

Jim invests in 2008. The market drops 38%. He's down to $620.

It increases 18% in 2009, so he's now up to $731.60. In 2010 it increases 11%, bringing him up to about $810. In 2011, he sees a 7% increase, so he's now at 867. He's up 5% in 2012, bringing him up to about $910.

Joe is thus up 60% in 5 years; Jim DOWN nearly 10%.

There was no difference except for when they began investing.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24974177)



Reply Favorite

Date: February 7th, 2014 4:33 PM
Author: Exhilarant purple candlestick maker really tough guy



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24974276)



Reply Favorite

Date: February 7th, 2014 4:35 PM
Author: Vivacious gas station

you realize that to obtain the returns you stated above, one must invest on a particular day and no other day?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24974293)



Reply Favorite

Date: February 7th, 2014 4:41 PM
Author: Exhilarant purple candlestick maker really tough guy



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24974323)



Reply Favorite

Date: July 9th, 2017 11:26 AM
Author: Excitant Cumskin

jfc why does she write shit like this

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#33734246)



Reply Favorite

Date: September 29th, 2016 2:14 PM
Author: Cerebral church

This is true for everything ever.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#31521852)



Reply Favorite

Date: February 7th, 2014 3:25 PM
Author: Ivory bawdyhouse

why doesnt the roth I started at 20 and stopped contributing to at 27 have $90K in it?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24973900)



Reply Favorite

Date: February 7th, 2014 3:30 PM
Author: laughsome round eye

U r 36? LOLOL

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24973930)



Reply Favorite

Date: February 7th, 2014 3:31 PM
Author: Ivory bawdyhouse

34 but I put more money than $2000 per year in there.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24973933)



Reply Favorite

Date: February 7th, 2014 3:36 PM
Author: laughsome round eye

Damen. How does it feel to be literally half done with life?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24973972)



Reply Favorite

Date: February 7th, 2014 3:39 PM
Author: Ivory bawdyhouse

it sucks but I have stayed in shape and fucked enough women where I wont have any regrets on that end at least.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24973988)



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: laughsome round eye

Goal retirement age??

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24973997)



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Ivory bawdyhouse

depends if I have kids and the house. Then probably 62-65.

If not then I might yolo and move to the philipines or some shit at 50 with a couple of million.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24974009)



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: laughsome round eye

Any family pressure to get married??

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24974022)



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: Ivory bawdyhouse

nah but I love my gf. I would probably marry her kids or not.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24974030)



Reply Favorite

Date: April 13th, 2026 2:00 PM
Author: aqua brunch shitlib

I'm 56 now

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#49814674)



Reply Favorite

Date: February 7th, 2014 3:32 PM
Author: Arousing Heaven Knife

(39-year-old, MAF troll)

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24973935)



Reply Favorite

Date: February 7th, 2014 3:38 PM
Author: Pale piazza

I didn't start saving til I got a job at 24. Should I killself?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24973984)



Reply Favorite

Date: February 7th, 2014 3:39 PM
Author: Exhilarant purple candlestick maker really tough guy



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24973992)



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: laughsome round eye

Doctors are done here

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24974011)



Reply Favorite

Date: February 13th, 2015 5:32 PM
Author: medicated talented patrolman stag film



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#27309307)



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: painfully honest sanctuary



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#32660123)



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: ungodly faggotry place of business



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#33728100)



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: Ivory bawdyhouse

And this is why I want to strangle the shrews I have dated.

At least my gf has a 401K that she contributes up to the match limit.

But she is 29 years old and this is her first year of contributing to a roth.

WOmen are fucking children.

"But I make 1/4 of what you do" she clucks.

"Except when I was 22 making $38,000 I still maxed out my roth," I lisp back.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24974025)



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: laughsome round eye

What were u doing at 22?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24974035)



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: Ivory bawdyhouse

crappy consulting firm do municipal bond analysis.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24974067)



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: Chest-beating lavender stage filthpig

you should've gone into finance, instead. you'd have a millie by now.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24974087)



Reply Favorite

Date: February 7th, 2014 3:59 PM
Author: Ivory bawdyhouse

I was too lazy in college, but yeah would have been a good idea.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24974092)



Reply Favorite

Date: February 8th, 2014 10:36 AM
Author: passionate kitchen

$38k was a decent starting salary in 1995...?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24977559)



Reply Favorite

Date: April 18th, 2016 9:49 AM
Author: Appetizing chapel codepig

my gf doesn't even have a credit card. she's 24

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#30296392)



Reply Favorite

Date: February 7th, 2014 3:48 PM
Author: nofapping heady home bbw

arthur is a dumbass for only putting in 2000, he should ve maxed out and would ve been fine

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24974041)



Reply Favorite

Date: February 7th, 2014 3:50 PM
Author: Exhilarant purple candlestick maker really tough guy



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24974050)



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: nofapping heady home bbw

yes arthur is fucked, ben pwns him

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24974080)



Reply Favorite

Date: February 7th, 2014 3:51 PM
Author: curious masturbator principal's office

Twist: Arthur was swimming in student loan debt

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24974053)



Reply Favorite

Date: February 13th, 2015 5:46 PM
Author: Thriller zippy menage indirect expression



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#27309408)



Reply Favorite

Date: February 7th, 2014 4:01 PM
Author: demanding space

These assumptions that ignore inflation and assume 10%+ real returns are asinine. The S&P returned something like 5% real over the last century.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24974098)



Reply Favorite

Date: February 8th, 2014 8:23 PM
Author: Charcoal nursing home



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24980368)



Reply Favorite

Date: February 7th, 2014 4:08 PM
Author: zombie-like dashing pozpig

*Is guy 1*

*Invests from 2001-2008*

*Is PWND*

*Is guy 2*

*Begins investing in 2008*

*PROFITS*

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24974133)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: demanding space

True, the idea that investing early is a good idea sure didn't apply to anybody who started investing 15 years ago. Would've been better off spending the money / having fun.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24974151)



Reply Favorite

Date: September 29th, 2016 1:14 PM
Author: Mentally impaired overrated pervert school

Why not, the market corrected in the next 10 years. Its only a losing bet if you need to retire during one of the down turns.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#31521424)



Reply Favorite

Date: July 8th, 2017 10:02 AM
Author: Mentally impaired overrated pervert school

this is what idiots don't realize. crashes don't matter except for old people. and by the time you're old, you should be easing out of the market.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#33727706)



Reply Favorite

Date: July 9th, 2017 10:45 AM
Author: Bearded Tantric Hospital Double Fault

Right. The person who started investing earlier is still in a better position than the person who spent it all.

I started investing seriously in 2006 or so, and sure, I got hammered in the couple of years following that. But after the crash I still had something (didn't sell) and it's since recovered. That portion of my savings wouldn't exist if I hadn't saved it early.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#33734072)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: Red Territorial Gaping Persian

I think the more interesting hypo is a guy who starts investing later but contributes more

Dude waiting until 27 probably was in grad school or something

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24974146)



Reply Favorite

Date: February 8th, 2014 8:23 PM
Author: Charcoal nursing home

that's more realistic even if he wasn't in grad school, because of inflation.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24980361)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: aromatic fiercely-loyal range nibblets

Just do graduate in 2006 and invest at the peak of the stock market.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24974148)



Reply Favorite

Date: February 7th, 2014 4:11 PM
Author: high-end trip pit fanboi

I still think it's more credited to maintain liquidity and invest in a future business than to put money into the market, assuming you can't do both and assuming you're under 35.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24974156)



Reply Favorite

Date: February 7th, 2014 4:15 PM
Author: Ivory bawdyhouse

Why the fuck does my roth IRA only have $35,000 in it? I maxed out from 22-27.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24974195)



Reply Favorite

Date: February 7th, 2014 4:38 PM
Author: demanding space

I feel your pain. I've got like $41K. At least I can backdoor so it'll be $47K soon.

The real way I could see myself getting a big Roth IRA would be to get axed from law, and then start converting $30K or so a year from my 401k during a number of years with little to no income.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24974306)



Reply Favorite

Date: February 7th, 2014 4:58 PM
Author: fragrant vermilion dilemma

(cgm)

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24974418)



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: carmine address

What does this look like if you assume 6% returns?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24977572)



Reply Favorite

Date: February 8th, 2014 10:51 AM
Author: dun den

this is true.. i put away $1k in 1990, it's now worth $800k

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24977600)



Reply Favorite

Date: February 17th, 2014 11:13 AM
Author: Exhilarant purple candlestick maker really tough guy



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#25034365)



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: Swashbuckling Son Of Senegal

not really.

my parents had very little just 20 years ago and now have a $3-4 million net worth. just make sure you get on a career path that is pretty lucrative and you'll be fine even if you don't save a penny until the age of 35-40.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24977623)



Reply Favorite

Date: February 10th, 2014 2:32 PM
Author: Exhilarant purple candlestick maker really tough guy



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#24990298)



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: galvanic cowardly whorehouse



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#33727922)



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: titillating rehab

So your telling me that if I make a lot of money ill do well financially? Why aren't you charging for this insight?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#26902507)



Reply Favorite

Date: May 14th, 2014 9:23 AM
Author: Exhilarant purple candlestick maker really tough guy



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#25559090)



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: Exhilarant purple candlestick maker really tough guy



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#26902440)



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: Silver soul-stirring temple halford

The 19 bro isn't doubling the 27 year old bro or anything. You can still beat the average early starter by just putting way more money in. Most people who start investing at 19 only have chump change to put in.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#26902483)



Reply Favorite

Date: December 10th, 2014 5:10 PM
Author: Exhilarant purple candlestick maker really tough guy



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#26902522)



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: Exhilarant purple candlestick maker really tough guy



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#27307587)



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: marvelous know-it-all psychic hall

this is retarded. for most of us, that would have meant socking away money into the stock market during the mid- to late-2000s. the gain from the time period to now has only been like 2% per year on average

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#27309317)



Reply Favorite

Date: February 13th, 2015 5:35 PM
Author: medicated talented patrolman stag film

damn u r old. i started making money in 09. wish i saved a lot more. would have been rolling in it

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#27309326)



Reply Favorite

Date: February 13th, 2015 5:36 PM
Author: Exhilarant purple candlestick maker really tough guy



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#27309340)



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: marvelous know-it-all psychic hall

we're in a bubble right now, so all of those figures are bullshit

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#27309354)



Reply Favorite

Date: February 13th, 2015 5:50 PM
Author: Exhilarant purple candlestick maker really tough guy



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#27309440)



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: Ivory bawdyhouse

A year later after bitching in this thread, I have fucking $37,500 in the Roth IRA I started when I was 21. Bullshit magical 12% compounding.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#27309399)



Reply Favorite

Date: February 13th, 2015 5:52 PM
Author: Exhilarant purple candlestick maker really tough guy



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#27309458)



Reply Favorite

Date: February 13th, 2015 5:53 PM
Author: bipolar roommate abode

What has your APR been?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#27309459)



Reply Favorite

Date: February 13th, 2015 6:18 PM
Author: cordovan internet-worthy box office

how much money did you have in cash on the sidelines from the last 6 year bull market?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#27309632)



Reply Favorite

Date: December 29th, 2015 1:41 PM
Author: Exhilarant purple candlestick maker really tough guy



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#29477105)



Reply Favorite

Date: April 18th, 2016 7:18 AM
Author: Exhilarant purple candlestick maker really tough guy



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#30296033)



Reply Favorite

Date: April 18th, 2016 7:47 AM
Author: cheese-eating angry crackhouse antidepressant drug

I remember a teacher showing us this kind of chart back around 1996 and I just ignored it.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#30296076)



Reply Favorite

Date: April 18th, 2016 8:17 AM
Author: Smoky parlor degenerate

wise move

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#30296131)



Reply Favorite

Date: April 13th, 2026 2:07 PM
Author: aqua brunch shitlib

I brought up shit like fees and realistic rates and the guy just looked at me like I was speaking Brazilian

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#49814688)



Reply Favorite

Date: April 18th, 2016 7:49 AM
Author: Gay misanthropic theater stage

Too late now. Might as well YOLO out of control.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#30296079)



Reply Favorite

Date: April 18th, 2016 9:40 AM
Author: Exhilarant purple candlestick maker really tough guy



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#30296365)



Reply Favorite

Date: April 18th, 2016 7:50 AM
Author: Swashbuckling Son Of Senegal

This is false and assumes one continues working a cookie-cutter job with 3% annual pay-raise their entire working life.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#30296082)



Reply Favorite

Date: April 18th, 2016 8:51 AM
Author: iridescent mother

just do >10% growth every year. worked for bernie madoff

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#30296208)



Reply Favorite

Date: April 18th, 2016 8:57 AM
Author: charismatic market internal respiration

This bort is retarded.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#30296225)



Reply Favorite

Date: April 18th, 2016 9:04 AM
Author: Lime idiot

Chart assumes consistently abnormal YOY returns, as pointed out ad nauseum above

There's a reason this "phenomenon" is common knowledge and yet remarkably few people seem to benefit from it to the extent promised.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#30296237)



Reply Favorite

Date: April 18th, 2016 9:41 AM
Author: Exhilarant purple candlestick maker really tough guy



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#30296367)



Reply Favorite

Date: April 18th, 2016 10:04 AM
Author: Lime idiot

you pointed it out above several times, and each time you got subsequently pwned in short order

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#30296421)



Reply Favorite

Date: April 18th, 2016 9:20 AM
Author: unholy tanning salon

http://imgur.com/gnMx2MX

Literally did this. So I'm set 4 life?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#30296292)



Reply Favorite

Date: April 18th, 2016 9:20 AM
Author: topaz mind-boggling travel guidebook azn

The real reason this chart is dumb is because of inflation. You're comparing 2,000 dollars someone put in at 19 to 2,000 someone out in 46 years later and acting like it's the same thing

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#30296293)



Reply Favorite

Date: April 18th, 2016 9:45 AM
Author: Exhilarant purple candlestick maker really tough guy



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#30296380)



Reply Favorite

Date: April 18th, 2016 9:50 AM
Author: topaz mind-boggling travel guidebook azn

You can't say 16,000 vs 80,000 lolz and not see how that's a stupid comparison

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#30296396)



Reply Favorite

Date: April 18th, 2016 10:02 AM
Author: Exhilarant purple candlestick maker really tough guy



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#30296414)



Reply Favorite

Date: July 8th, 2017 11:01 AM
Author: Rough-skinned drab background story institution

Inflation is what, 3%? The real issue is the 12% returns assumed.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#33727858)



Reply Favorite

Date: September 15th, 2023 11:41 AM
Author: erotic office

*assumes 3% inflation*

*fade in cannibal holocaust theme*

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#46800635)



Reply Favorite

Date: April 18th, 2016 9:24 AM
Author: fighting alpha meetinghouse

Yea 10 percent is retarded, but the gist of the argument is right. Early investments have a bigger bang for their buck when it's said and done. Invest as much as you can, as early as you can, in a low cost index. Profit (when you are old as fuck).

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#30296303)



Reply Favorite

Date: February 20th, 2017 3:10 AM
Author: pea-brained boistinker

no shit but we;'re going to see HISTORICALLY low returns from this pt out, we ARE SO FUCKITY FUCKED

401K = SCAMs

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#32659870)



Reply Favorite

Date: February 20th, 2017 7:57 AM
Author: fighting alpha meetinghouse

I agree generally that returns will be lower. But if you asked me in 08 if we were fucked I'd say yes - and the market has gone crazy since then. I thought trump would lead to a market correction, and yet we have the trump rally.

Don't be a boomer, save your money.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#32660046)



Reply Favorite

Date: April 18th, 2016 9:57 AM
Author: Razzle-dazzle doctorate

saving for retirement is flame. just slide and let do

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#30296404)



Reply Favorite

Date: April 18th, 2016 10:04 AM
Author: Lime idiot

cr

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#30296427)



Reply Favorite

Date: September 29th, 2016 10:24 AM
Author: ungodly faggotry place of business

Cr...life sucks post 60 anyway..might as well killself

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#31520037)



Reply Favorite

Date: September 29th, 2016 10:03 AM
Author: Exhilarant purple candlestick maker really tough guy



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#31519911)



Reply Favorite

Date: September 29th, 2016 1:21 PM
Author: exciting impressive school cafeteria crotch

How do they get 10% retune every year

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#31521456)



Reply Favorite

Date: September 29th, 2016 2:04 PM
Author: racy jap elastic band

noob investor question, but isn't this idea kind of self perpetuating?

Everyone believes in investing in the S&P 500 via mutual funds and index funds -> the market consistently goes up over time because people are always buying (direct deposit into 401k) -> everyone believe in investing in the market.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#31521755)



Reply Favorite

Date: September 29th, 2016 2:12 PM
Author: Silver soul-stirring temple halford

Student loan interest exceeds most investment returns so that should be priority #1 if you have it.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#31521840)



Reply Favorite

Date: September 29th, 2016 4:48 PM
Author: racy jap elastic band



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#31523215)



Reply Favorite

Date: February 20th, 2017 8:11 AM
Author: Pink adulterous community account generalized bond

lol at dorks ITT bobbing and weaving desperately not wanting this to be true. The annual return in the example may be at the high end of the range but the overall argument is cr.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#32660068)



Reply Favorite

Date: July 8th, 2017 9:32 AM
Author: Pink adulterous community account generalized bond



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#33727637)



Reply Favorite

Date: July 8th, 2017 9:40 AM
Author: self-absorbed becky

Earl must have been absolutely raped by fees in his IRA.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#33727655)



Reply Favorite

Date: July 8th, 2017 9:46 AM
Author: aqua brunch shitlib

COMPOUND INT--*nuke melts face*

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#33727662)



Reply Favorite

Date: July 8th, 2017 9:50 AM
Author: provocative tripping lay trump supporter

Lol at everyone wagecucking there lives away for GC to save money they can't touch for 30-40 years and repeating the advice like brainwashed apes

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#33727671)



Reply Favorite

Date: July 8th, 2017 9:52 AM
Author: aqua brunch shitlib

I find my rent seeking behavior is paying off better. Just a few homes and I'm making 4K extra every month with rarely having to lift a finger.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#33727675)



Reply Favorite

Date: July 8th, 2017 9:54 AM
Author: provocative tripping lay trump supporter

20k liquid and 10k+ per month in passive income >>>>>>>>>>>>>>>> GC cucking the best years of your life to build a fraudlies "tax deferred" portfolio and get gaped on taxes at retirement

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#33727681)



Reply Favorite

Date: July 8th, 2017 10:16 AM
Author: Orange aphrodisiac digit ratio sneaky criminal

(Not a rental property owner)

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#33727734)



Reply Favorite

Date: July 9th, 2017 11:14 AM
Author: Bearded Tantric Hospital Double Fault

Future is impossible to predict. Best call is to diversify.

I fully fund the Roth IRA each year (future tax advantage), fund the 401k enough to capture the match and then some (current tax advantage) and also have a few rental houses which cash flow decently now and will be paid off by retirement (inflation hedge plus tax advantage for the next couple of decades).

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#33734178)



Reply Favorite

Date: July 8th, 2017 10:05 AM
Author: Pink adulterous community account generalized bond

i turn 40 next year. less than two decades left! you jelly?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#33727714)



Reply Favorite

Date: July 8th, 2017 10:06 AM
Author: provocative tripping lay trump supporter

Naw man my 30s have been 180 billion. Still young and free but fuckloads of money instead of broke

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#33727719)



Reply Favorite

Date: July 8th, 2017 12:06 PM
Author: Shimmering contagious stage factory reset button

now show me the table for $300K at 8% in student loans

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#33728030)



Reply Favorite

Date: July 8th, 2017 12:13 PM
Author: aquamarine field

imagine if you lived at home and worked at a 40k a year job from 19-25 or 26. invested it all. then went to college. you'd have it made. no one tells you this

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#33728056)



Reply Favorite

Date: July 8th, 2017 12:28 PM
Author: ungodly faggotry place of business



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#33728105)



Reply Favorite

Date: July 8th, 2017 12:30 PM
Author: Shimmering contagious stage factory reset button

lol, what $40K per year job do you think a 19 year old with a high school diploma can get?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#33728113)



Reply Favorite

Date: July 8th, 2017 12:32 PM
Author: galvanic cowardly whorehouse

data entry

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#33728119)



Reply Favorite

Date: July 8th, 2017 12:46 PM
Author: Shimmering contagious stage factory reset button

link to $40K data entry job that a 19 year old with a high school degree and no experience is qualified for?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#33728151)



Reply Favorite

Date: July 8th, 2017 1:03 PM
Author: galvanic cowardly whorehouse

I made about 30k as a bus boy when i was 16 working part time. 40k fulltime gig would be easy to swing.. even if through 2 part time jobs at restaurants etc

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#33728219)



Reply Favorite

Date: July 8th, 2017 1:04 PM
Author: ungodly faggotry place of business

CR

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#33728221)



Reply Favorite

Date: July 8th, 2017 12:32 PM
Author: ungodly faggotry place of business

Admin assistant

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#33728122)



Reply Favorite

Date: July 8th, 2017 12:45 PM
Author: Shimmering contagious stage factory reset button

lol what? first, no one is going to hire a no-experience 19 year old admin assistant when there are 10 and 20 year veterans applying for the same job. second, those jobs pay like $26K.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#33728148)



Reply Favorite

Date: July 8th, 2017 12:57 PM
Author: ungodly faggotry place of business

According to the chart all you need to invest is like 2k a year and you're pretty much set for retirement...just get ANY fucking job until age 26

go be a front desk person/work as receptionist

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#33728193)



Reply Favorite

Date: July 8th, 2017 1:26 PM
Author: Navy electric hunting ground

cr chart is totally what happens IRL just stuff away 10k in stock at 18 = million$$$

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#33728308)



Reply Favorite

Date: July 9th, 2017 11:10 AM
Author: Thriller zippy menage indirect expression

things barzini knew and did that you did not for $200, alex

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#33734164)



Reply Favorite

Date: July 8th, 2017 12:45 PM
Author: walnut native

I think a much more sure bet is Social Security taxes being raised to shore up the program, so I'll just YOLO out and rely on that.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#33728150)



Reply Favorite

Date: July 8th, 2017 1:27 PM
Author: Navy electric hunting ground

My 3k in savings from govt job at 23 is now worth 5k. Holy fuck I'm gonna be rich!!!!!

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#33728311)



Reply Favorite

Date: July 9th, 2017 11:21 AM
Author: dun den

Investment compounding is the single biggest scam the investment/retirement community uses to grab your money.

The Future value investment analysis assumes a guaranteed return with zero draw-down. The overall markets (S%P), and less than 1% of stocks follow the interest rate return curve.

The market curve more closely follows the short-memory timespan which is roughty 10 years for each new generation (87, 00, 09, ...next?)



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#33734215)



Reply Favorite

Date: August 22nd, 2017 7:26 PM
Author: Splenetic mint coffee pot



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#34048286)



Reply Favorite

Date: August 23rd, 2017 11:19 AM
Author: canary step-uncle's house

Just use a 20% return the first 8 years and use 1% return the next 50 years bro.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#34051890)



Reply Favorite

Date: September 15th, 2023 11:28 AM
Author: Exhilarant purple candlestick maker really tough guy



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#46800589)



Reply Favorite

Date: April 13th, 2026 1:45 PM
Author: Pink adulterous community account generalized bond

how’d we all do?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#49814625)



Reply Favorite

Date: April 13th, 2026 1:55 PM
Author: Spectacular stead lettuce

Not flame bc of the OP I invested $35k and it’s worth 6 million now

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#49814655)



Reply Favorite

Date: April 13th, 2026 1:58 PM
Author: Sepia indian lodge



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...#49814666)