\
  The most prestigious law school admissions discussion board in the world.
BackRefresh Options Favorite

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

https://i.pinimg.com/736x/2e/d6/5d/2ed65d34dbac86519947d298d...
cracking green travel guidebook mediation
  02/07/14
(Dave Ramsey)
startled native
  12/10/14
Germany bull
amethyst fat ankles
  09/15/23
...
cerebral abusive reading party
  04/13/26
Brb transferring money to my roth
appetizing mischievous church building
  02/07/14
...
bipolar theater
  02/08/14
yep
Nighttime Cream Location Marketing Idea
  02/07/14
what is the apr on this
Flirting stirring institution friendly grandma
  02/07/14
12% lol.
slate fiercely-loyal keepsake machete
  02/07/14
fucking boomers
Unhinged vibrant kitchen
  02/07/14
...
diverse ladyboy
  04/13/26
...
cracking green travel guidebook mediation
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
Indigo Black Woman Psychic
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
Aphrodisiac telephone
  02/07/14
180
Indigo Black Woman Psychic
  02/07/14
...
balding vermilion people who are hurt
  02/08/14
...
adulterous stead indirect expression
  02/13/15
...
grizzly chad parlour
  04/18/16
...
Indigo Black Woman Psychic
  02/20/17
...
Amber electric furnace cumskin
  02/20/17
...
grizzly chad parlour
  07/08/17
...
cracking green travel guidebook mediation
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
Indigo Black Woman Psychic
  02/07/14
...
cracking green travel guidebook mediation
  02/07/14
(guy who recently watched The Secret)
Indigo Black Woman Psychic
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
Indigo Black Woman Psychic
  02/07/14
(Boomer in 2006 buying third investment property)
Indigo Black Woman Psychic
  02/07/14
this will not occur over the next 40 years
exciting bronze mental disorder
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
Charismatic ivory faggotry step-uncle's house
  02/07/14
...
cracking green travel guidebook mediation
  02/07/14
Compare the demographics, foreign competition, and regulator...
exciting bronze mental disorder
  12/10/14
...
exciting bronze mental disorder
  04/18/16
A true genius
exciting bronze mental disorder
  09/29/16
...
peach galvanic lettuce
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
exciting bronze mental disorder
  04/18/16
Just do assume 12% returns for 45 years
zombie-like box office
  02/07/14
...
cracking green travel guidebook mediation
  02/07/14
CR incredibly retarded
exciting bronze mental disorder
  02/07/14
It doesn't change regardless of rate.
Charismatic ivory faggotry step-uncle's house
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
exciting bronze mental disorder
  04/18/16
...
diverse ladyboy
  04/13/26
(finance genius)
Dashing Nowag Doctorate
  02/20/17
So far so good
copper embarrassed to the bone school hominid
  04/13/26
That's a pretty cool investment that goes up 10% every year....
comical fuchsia kitty cat
  02/07/14
...
cracking green travel guidebook mediation
  02/07/14
this will not be the case for the next 50 years
exciting bronze mental disorder
  02/07/14
(Suze Orman after a few too many glasses of wine)
motley mildly autistic boistinker
  02/07/14
lol'd
Smoky Stimulating Associate Feces
  04/18/16
haha
Swashbuckling state
  09/29/16
...
Indigo Black Woman Psychic
  02/20/17
...
Charismatic ivory faggotry step-uncle's house
  02/20/17
...
Crusty nubile range
  02/20/17
...
coral sexy useless brakes antidepressant drug
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
Excitant Point
  02/07/14
...
cracking green travel guidebook mediation
  02/07/14
Not if returns were negative when/in the years immediately f...
Excitant Point
  02/07/14
...
cracking green travel guidebook mediation
  02/07/14
? All the hypo supposes is that you start investing in yo...
Excitant Point
  02/07/14
...
cracking green travel guidebook mediation
  02/07/14
YOUR personal rate of return is different from the market's ...
Excitant Point
  02/07/14
...
cracking green travel guidebook mediation
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
Excitant Point
  02/07/14
...
cracking green travel guidebook mediation
  02/07/14
you realize that to obtain the returns you stated above, one...
Aphrodisiac telephone
  02/07/14
...
cracking green travel guidebook mediation
  02/07/14
jfc why does she write shit like this
racy yarmulke
  07/09/17
This is true for everything ever.
multi-colored partner garrison
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
slate fiercely-loyal keepsake machete
  02/07/14
U r 36? LOLOL
appetizing mischievous church building
  02/07/14
34 but I put more money than $2000 per year in there.
slate fiercely-loyal keepsake machete
  02/07/14
Damen. How does it feel to be literally half done with life?
appetizing mischievous church building
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
slate fiercely-loyal keepsake machete
  02/07/14
Goal retirement age??
appetizing mischievous church building
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
slate fiercely-loyal keepsake machete
  02/07/14
Any family pressure to get married??
appetizing mischievous church building
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
slate fiercely-loyal keepsake machete
  02/07/14
I'm 56 now
diverse ladyboy
  04/13/26
(39-year-old, MAF troll)
chartreuse hairless toaster background story
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
Vivacious ungodly orchestra pit
  02/07/14
...
cracking green travel guidebook mediation
  02/07/14
Doctors are done here
appetizing mischievous church building
  02/07/14
...
Coiffed Drunken Double Fault Wrinkle
  02/13/15
...
Charcoal hairraiser market jap
  02/20/17
...
soul-stirring poppy bbw liquid oxygen
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
slate fiercely-loyal keepsake machete
  02/07/14
What were u doing at 22?
appetizing mischievous church building
  02/07/14
crappy consulting firm do municipal bond analysis.
slate fiercely-loyal keepsake machete
  02/07/14
you should've gone into finance, instead. you'd have a milli...
Excitant Point
  02/07/14
I was too lazy in college, but yeah would have been a good i...
slate fiercely-loyal keepsake machete
  02/07/14
$38k was a decent starting salary in 1995...?
obsidian boyish therapy
  02/08/14
my gf doesn't even have a credit card. she's 24
gay up-to-no-good house
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
provocative legend
  02/07/14
...
cracking green travel guidebook mediation
  02/07/14
yes arthur is fucked, ben pwns him
provocative legend
  02/07/14
Twist: Arthur was swimming in student loan debt
Indigo Black Woman Psychic
  02/07/14
...
deep maroon ratface
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
Contagious lodge really tough guy
  02/07/14
...
Erotic center
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
Irate Tattoo
  02/07/14
True, the idea that investing early is a good idea sure didn...
Contagious lodge really tough guy
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
fishy wonderful base
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
fishy wonderful base
  07/08/17
Right. The person who started investing earlier is still in ...
Concupiscible sable karate pocket flask
  07/09/17
I think the more interesting hypo is a guy who starts invest...
flickering scourge upon the earth corn cake
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
Erotic center
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
Fragrant foreskin mad-dog skullcap
  02/07/14
I still think it's more credited to maintain liquidity and i...
glittery self-centered mexican
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
slate fiercely-loyal keepsake machete
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
Contagious lodge really tough guy
  02/07/14
(cgm)
House-broken resort idiot
  02/07/14
What does this look like if you assume 6% returns?
Kink-friendly factory reset button mad cow disease
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
Exhilarant azn set
  02/08/14
...
cracking green travel guidebook mediation
  02/17/14
not really. my parents had very little just 20 years ago...
plum alcoholic place of business ape
  02/08/14
...
cracking green travel guidebook mediation
  02/10/14
...
Indecent Rose Trust Fund
  07/08/17
So your telling me that if I make a lot of money ill do well...
180 haunted graveyard
  12/10/14
...
cracking green travel guidebook mediation
  05/14/14
...
cracking green travel guidebook mediation
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
Spectacular Godawful Home
  12/10/14
...
cracking green travel guidebook mediation
  12/10/14
...
cracking green travel guidebook mediation
  02/13/15
this is retarded. for most of us, that would have meant soc...
Crawly Cordovan Church Death Wish
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
Coiffed Drunken Double Fault Wrinkle
  02/13/15
...
cracking green travel guidebook mediation
  02/13/15
we're in a bubble right now, so all of those figures are bul...
Crawly Cordovan Church Death Wish
  02/13/15
...
cracking green travel guidebook mediation
  02/13/15
A year later after bitching in this thread, I have fucking $...
slate fiercely-loyal keepsake machete
  02/13/15
...
cracking green travel guidebook mediation
  02/13/15
What has your APR been?
vengeful multi-billionaire
  02/13/15
how much money did you have in cash on the sidelines from th...
Clear Hall
  02/13/15
...
cracking green travel guidebook mediation
  12/29/15
...
cracking green travel guidebook mediation
  04/18/16
I remember a teacher showing us this kind of chart back arou...
jet-lagged whorehouse
  04/18/16
wise move
topaz hell
  04/18/16
I brought up shit like fees and realistic rates and the guy ...
diverse ladyboy
  04/13/26
Too late now. Might as well YOLO out of control.
Garnet Ticket Booth Pervert
  04/18/16
...
cracking green travel guidebook mediation
  04/18/16
This is false and assumes one continues working a cookie-cut...
plum alcoholic place of business ape
  04/18/16
just do >10% growth every year. worked for bernie madoff
bearded bossy business firm mood
  04/18/16
This bort is retarded.
Charismatic ivory faggotry step-uncle's house
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
curious sanctuary
  04/18/16
...
cracking green travel guidebook mediation
  04/18/16
you pointed it out above several times, and each time you go...
curious sanctuary
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
Greedy spot ceo
  04/18/16
The real reason this chart is dumb is because of inflation. ...
orange plaza
  04/18/16
...
cracking green travel guidebook mediation
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
orange plaza
  04/18/16
...
cracking green travel guidebook mediation
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
medicated talented voyeur community account
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
Thriller pisswyrm
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
Lascivious Hospital Affirmative Action
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
geriatric brethren
  02/20/17
I agree generally that returns will be lower. But if you ask...
Lascivious Hospital Affirmative Action
  02/20/17
saving for retirement is flame. just slide and let do
electric frum rigpig
  04/18/16
cr
curious sanctuary
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
soul-stirring poppy bbw liquid oxygen
  09/29/16
...
cracking green travel guidebook mediation
  09/29/16
How do they get 10% retune every year
Histrionic sooty regret
  09/29/16
noob investor question, but isn't this idea kind of self per...
titillating gaming laptop
  09/29/16
Student loan interest exceeds most investment returns so tha...
Spectacular Godawful Home
  09/29/16
...
titillating gaming laptop
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
Silver mind-boggling school cafeteria
  02/20/17
...
Silver mind-boggling school cafeteria
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
nofapping brass candlestick maker stage
  07/08/17
COMPOUND INT--*nuke melts face*
diverse ladyboy
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
Fantasy-prone Bawdyhouse Famous Landscape Painting
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
diverse ladyboy
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
Fantasy-prone Bawdyhouse Famous Landscape Painting
  07/08/17
(Not a rental property owner)
exciting bronze mental disorder
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
Concupiscible sable karate pocket flask
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
Silver mind-boggling school cafeteria
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
Fantasy-prone Bawdyhouse Famous Landscape Painting
  07/08/17
now show me the table for $300K at 8% in student loans
Irradiated Bat-shit-crazy National Security Agency Genital Piercing
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
useless aquamarine tank
  07/08/17
...
soul-stirring poppy bbw liquid oxygen
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
Irradiated Bat-shit-crazy National Security Agency Genital Piercing
  07/08/17
data entry
Indecent Rose Trust Fund
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
Irradiated Bat-shit-crazy National Security Agency Genital Piercing
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
Indecent Rose Trust Fund
  07/08/17
CR
soul-stirring poppy bbw liquid oxygen
  07/08/17
Admin assistant
soul-stirring poppy bbw liquid oxygen
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
Irradiated Bat-shit-crazy National Security Agency Genital Piercing
  07/08/17
According to the chart all you need to invest is like 2k a y...
soul-stirring poppy bbw liquid oxygen
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
ruddy naked cuck nursing home
  07/08/17
things barzini knew and did that you did not for $200, alex
deep maroon ratface
  07/09/17
I think a much more sure bet is Social Security taxes being ...
Purple twisted site quadroon
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
ruddy naked cuck nursing home
  07/08/17
Investment compounding is the single biggest scam the inve...
Exhilarant azn set
  07/09/17
...
Buff Locale Love Of Her Life
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
coral sexy useless brakes antidepressant drug
  08/23/17
...
cracking green travel guidebook mediation
  09/15/23
how’d we all do?
Silver mind-boggling school cafeteria
  04/13/26
Not flame bc of the OP I invested $35k and it’s worth ...
Passionate lavender theater stage
  04/13/26
...
cerebral abusive reading party
  04/13/26


Poast new message in this thread



Reply Favorite

Date: February 7th, 2014 3:20 PM
Author: cracking green travel guidebook mediation

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: startled native

(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: amethyst fat ankles
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: cerebral abusive reading party



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: appetizing mischievous church building

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: bipolar theater



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: Nighttime Cream Location Marketing Idea

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: Flirting stirring institution friendly grandma

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: slate fiercely-loyal keepsake machete

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: Unhinged vibrant kitchen

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: diverse ladyboy



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



Reply Favorite

Date: February 7th, 2014 3:28 PM
Author: cracking green travel guidebook mediation



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Indigo Black Woman Psychic

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: Aphrodisiac telephone

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: Indigo Black Woman Psychic

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: balding vermilion people who are hurt



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: adulterous stead indirect expression



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: grizzly chad parlour



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: Indigo Black Woman Psychic



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: Amber electric furnace cumskin



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: grizzly chad parlour



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: cracking green travel guidebook mediation



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Indigo Black Woman Psychic

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: cracking green travel guidebook mediation



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Indigo Black Woman Psychic

(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: Indigo Black Woman Psychic

(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: Indigo Black Woman Psychic

(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: exciting bronze mental disorder

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 ivory faggotry step-uncle's house

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: cracking green travel guidebook mediation



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: exciting bronze mental disorder

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: exciting bronze mental disorder



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: exciting bronze mental disorder

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: peach galvanic lettuce



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: exciting bronze mental disorder

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: zombie-like box office

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: cracking green travel guidebook mediation



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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: exciting bronze mental disorder

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 ivory faggotry step-uncle's house

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: exciting bronze mental disorder

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: diverse ladyboy



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



Reply Favorite

Date: February 20th, 2017 9:25 AM
Author: Dashing Nowag Doctorate

(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: copper embarrassed to the bone school hominid

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: comical fuchsia kitty cat

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: cracking green travel guidebook mediation



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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: exciting bronze mental disorder

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: motley mildly autistic boistinker

(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: Smoky Stimulating Associate Feces

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: Swashbuckling state

haha

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



Reply Favorite

Date: February 20th, 2017 1:49 AM
Author: Indigo Black Woman Psychic



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



Reply Favorite

Date: February 20th, 2017 8:38 AM
Author: Charismatic ivory faggotry step-uncle's house



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: Crusty nubile range



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: coral sexy useless brakes antidepressant drug



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Excitant Point

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: cracking green travel guidebook mediation



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Excitant Point

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: cracking green travel guidebook mediation



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: Excitant Point

?

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: cracking green travel guidebook mediation



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Excitant Point

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: cracking green travel guidebook mediation



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



Reply Favorite

Date: February 7th, 2014 4:13 PM
Author: Excitant Point

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: cracking green travel guidebook mediation



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



Reply Favorite

Date: February 7th, 2014 4:35 PM
Author: Aphrodisiac telephone

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: cracking green travel guidebook mediation



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



Reply Favorite

Date: July 9th, 2017 11:26 AM
Author: racy yarmulke

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: multi-colored partner garrison

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: slate fiercely-loyal keepsake machete

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: appetizing mischievous church building

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: slate fiercely-loyal keepsake machete

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: appetizing mischievous church building

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: slate fiercely-loyal keepsake machete

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: appetizing mischievous church building

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: slate fiercely-loyal keepsake machete

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: appetizing mischievous church building

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: slate fiercely-loyal keepsake machete

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: diverse ladyboy

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: chartreuse hairless toaster background story

(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: Vivacious ungodly orchestra pit

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: cracking green travel guidebook mediation



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: appetizing mischievous church building

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: Coiffed Drunken Double Fault Wrinkle



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: Charcoal hairraiser market jap



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: soul-stirring poppy bbw liquid oxygen



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: slate fiercely-loyal keepsake machete

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: appetizing mischievous church building

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: slate fiercely-loyal keepsake machete

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: Excitant Point

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: slate fiercely-loyal keepsake machete

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: obsidian boyish therapy

$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: gay up-to-no-good house

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: provocative legend

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: cracking green travel guidebook mediation



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: provocative legend

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: Indigo Black Woman Psychic

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: deep maroon ratface



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



Reply Favorite

Date: February 7th, 2014 4:01 PM
Author: Contagious lodge really tough guy

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: Erotic center



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



Reply Favorite

Date: February 7th, 2014 4:08 PM
Author: Irate Tattoo

*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: Contagious lodge really tough guy

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: fishy wonderful base

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: fishy wonderful base

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: Concupiscible sable karate pocket flask

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: flickering scourge upon the earth corn cake

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: Erotic center

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: Fragrant foreskin mad-dog skullcap

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: glittery self-centered mexican

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: slate fiercely-loyal keepsake machete

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: Contagious lodge really tough guy

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: House-broken resort idiot

(cgm)

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



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: Kink-friendly factory reset button mad cow disease

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: Exhilarant azn set

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: cracking green travel guidebook mediation



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: plum alcoholic place of business ape

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: cracking green travel guidebook mediation



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: Indecent Rose Trust Fund



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: 180 haunted graveyard

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: cracking green travel guidebook mediation



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: cracking green travel guidebook mediation



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: Spectacular Godawful Home

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: cracking green travel guidebook mediation



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: cracking green travel guidebook mediation



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: Crawly Cordovan Church Death Wish

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: Coiffed Drunken Double Fault Wrinkle

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: cracking green travel guidebook mediation



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: Crawly Cordovan Church Death Wish

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: cracking green travel guidebook mediation



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: slate fiercely-loyal keepsake machete

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: cracking green travel guidebook mediation



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



Reply Favorite

Date: February 13th, 2015 5:53 PM
Author: vengeful multi-billionaire

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: Clear Hall

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: cracking green travel guidebook mediation



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



Reply Favorite

Date: April 18th, 2016 7:18 AM
Author: cracking green travel guidebook mediation



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



Reply Favorite

Date: April 18th, 2016 7:47 AM
Author: jet-lagged whorehouse

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: topaz hell

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: diverse ladyboy

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: Garnet Ticket Booth Pervert

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: cracking green travel guidebook mediation



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



Reply Favorite

Date: April 18th, 2016 7:50 AM
Author: plum alcoholic place of business ape

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: bearded bossy business firm mood

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 ivory faggotry step-uncle's house

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: curious sanctuary

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: cracking green travel guidebook mediation



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



Reply Favorite

Date: April 18th, 2016 10:04 AM
Author: curious sanctuary

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: Greedy spot ceo

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: orange plaza

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: cracking green travel guidebook mediation



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



Reply Favorite

Date: April 18th, 2016 9:50 AM
Author: orange plaza

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: cracking green travel guidebook mediation



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



Reply Favorite

Date: July 8th, 2017 11:01 AM
Author: medicated talented voyeur community account

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: Thriller pisswyrm

*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: Lascivious Hospital Affirmative Action

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: geriatric brethren

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: Lascivious Hospital Affirmative Action

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: electric frum rigpig

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: curious sanctuary

cr

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



Reply Favorite

Date: September 29th, 2016 10:24 AM
Author: soul-stirring poppy bbw liquid oxygen

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: cracking green travel guidebook mediation



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



Reply Favorite

Date: September 29th, 2016 1:21 PM
Author: Histrionic sooty regret

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: titillating gaming laptop

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: Spectacular Godawful Home

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: titillating gaming laptop



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



Reply Favorite

Date: February 20th, 2017 8:11 AM
Author: Silver mind-boggling school cafeteria

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: Silver mind-boggling school cafeteria



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



Reply Favorite

Date: July 8th, 2017 9:40 AM
Author: nofapping brass candlestick maker stage

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: diverse ladyboy

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: Fantasy-prone Bawdyhouse Famous Landscape Painting

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: diverse ladyboy

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: Fantasy-prone Bawdyhouse Famous Landscape Painting

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: exciting bronze mental disorder

(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: Concupiscible sable karate pocket flask

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: Silver mind-boggling school cafeteria

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: Fantasy-prone Bawdyhouse Famous Landscape Painting

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: Irradiated Bat-shit-crazy National Security Agency Genital Piercing

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: useless aquamarine tank

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: soul-stirring poppy bbw liquid oxygen



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



Reply Favorite

Date: July 8th, 2017 12:30 PM
Author: Irradiated Bat-shit-crazy National Security Agency Genital Piercing

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: Indecent Rose Trust Fund

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: Irradiated Bat-shit-crazy National Security Agency Genital Piercing

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: Indecent Rose Trust Fund

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: soul-stirring poppy bbw liquid oxygen

CR

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



Reply Favorite

Date: July 8th, 2017 12:32 PM
Author: soul-stirring poppy bbw liquid oxygen

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: Irradiated Bat-shit-crazy National Security Agency Genital Piercing

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: soul-stirring poppy bbw liquid oxygen

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: ruddy naked cuck nursing home

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: deep maroon ratface

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: Purple twisted site quadroon

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: ruddy naked cuck nursing home

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: Exhilarant azn set

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: Buff Locale Love Of Her Life



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



Reply Favorite

Date: August 23rd, 2017 11:19 AM
Author: coral sexy useless brakes antidepressant drug

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: cracking green travel guidebook mediation



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



Reply Favorite

Date: April 13th, 2026 1:45 PM
Author: Silver mind-boggling school cafeteria

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: Passionate lavender theater stage

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: cerebral abusive reading party



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