\
  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...
Appetizing Chestnut Affirmative Action
  02/07/14
(Dave Ramsey)
aromatic whorehouse
  12/10/14
Germany bull
180 Philosopher-king
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
Wine supple travel guidebook chapel
  02/07/14
...
Sepia Insecure Nibblets
  02/08/14
yep
domesticated high-end office faggot firefighter
  02/07/14
what is the apr on this
internet-worthy arrogant filthpig
  02/07/14
12% lol.
vibrant walnut psychic twinkling uncleanness
  02/07/14
fucking boomers
Jet-lagged gold deer antler
  02/07/14
...
may his bones be crushed
  04/13/26
...
Appetizing Chestnut Affirmative Action
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
vivacious submissive dragon
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
Cerise gaped step-uncle's house sex offender
  02/07/14
180
vivacious submissive dragon
  02/07/14
...
Stubborn Institution
  02/08/14
...
ungodly violent knife
  02/13/15
...
very tactful wagecucks
  04/18/16
...
vivacious submissive dragon
  02/20/17
...
lake nudist mediation orchestra pit
  02/20/17
...
very tactful wagecucks
  07/08/17
...
Appetizing Chestnut Affirmative Action
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
vivacious submissive dragon
  02/07/14
...
Appetizing Chestnut Affirmative Action
  02/07/14
(guy who recently watched The Secret)
vivacious submissive dragon
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
vivacious submissive dragon
  02/07/14
(Boomer in 2006 buying third investment property)
vivacious submissive dragon
  02/07/14
this will not occur over the next 40 years
Infuriating lavender gas station
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
Mischievous Coiffed Lay Friendly Grandma
  02/07/14
...
Appetizing Chestnut Affirmative Action
  02/07/14
Compare the demographics, foreign competition, and regulator...
Infuriating lavender gas station
  12/10/14
...
Infuriating lavender gas station
  04/18/16
A true genius
Infuriating lavender gas station
  09/29/16
...
fishy crotch liquid oxygen
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
Infuriating lavender gas station
  04/18/16
Just do assume 12% returns for 45 years
Bateful kitty cat library
  02/07/14
...
Appetizing Chestnut Affirmative Action
  02/07/14
CR incredibly retarded
Infuriating lavender gas station
  02/07/14
It doesn't change regardless of rate.
Mischievous Coiffed Lay Friendly Grandma
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
Infuriating lavender gas station
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
concupiscible dead son of senegal
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
Orchid love of her life cuckold
  02/07/14
...
Appetizing Chestnut Affirmative Action
  02/07/14
this will not be the case for the next 50 years
Infuriating lavender gas station
  02/07/14
(Suze Orman after a few too many glasses of wine)
wild glittery ticket booth
  02/07/14
lol'd
transparent buck-toothed prole
  04/18/16
haha
Ivory fear-inspiring shrine
  09/29/16
...
vivacious submissive dragon
  02/20/17
...
Mischievous Coiffed Lay Friendly Grandma
  02/20/17
...
frum theater mother
  02/20/17
...
Duck-like Hairraiser House Dysfunction
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
light fragrant business firm
  02/07/14
...
Appetizing Chestnut Affirmative Action
  02/07/14
Not if returns were negative when/in the years immediately f...
light fragrant business firm
  02/07/14
...
Appetizing Chestnut Affirmative Action
  02/07/14
? All the hypo supposes is that you start investing in yo...
light fragrant business firm
  02/07/14
...
Appetizing Chestnut Affirmative Action
  02/07/14
YOUR personal rate of return is different from the market's ...
light fragrant business firm
  02/07/14
...
Appetizing Chestnut Affirmative Action
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
light fragrant business firm
  02/07/14
...
Appetizing Chestnut Affirmative Action
  02/07/14
you realize that to obtain the returns you stated above, one...
Cerise gaped step-uncle's house sex offender
  02/07/14
...
Appetizing Chestnut Affirmative Action
  02/07/14
jfc why does she write shit like this
Insane Water Buffalo Boistinker
  07/09/17
This is true for everything ever.
Thriller base
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
vibrant walnut psychic twinkling uncleanness
  02/07/14
U r 36? LOLOL
Wine supple travel guidebook chapel
  02/07/14
34 but I put more money than $2000 per year in there.
vibrant walnut psychic twinkling uncleanness
  02/07/14
Damen. How does it feel to be literally half done with life?
Wine supple travel guidebook chapel
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
vibrant walnut psychic twinkling uncleanness
  02/07/14
Goal retirement age??
Wine supple travel guidebook chapel
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
vibrant walnut psychic twinkling uncleanness
  02/07/14
Any family pressure to get married??
Wine supple travel guidebook chapel
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
vibrant walnut psychic twinkling uncleanness
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
boyish stage doctorate
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
Mind-boggling massive keepsake machete resort
  02/07/14
...
Appetizing Chestnut Affirmative Action
  02/07/14
Doctors are done here
Wine supple travel guidebook chapel
  02/07/14
...
Emerald charismatic meetinghouse
  02/13/15
...
Stimulating locale potus
  02/20/17
...
deep embarrassed to the bone brethren
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
vibrant walnut psychic twinkling uncleanness
  02/07/14
What were u doing at 22?
Wine supple travel guidebook chapel
  02/07/14
crappy consulting firm do municipal bond analysis.
vibrant walnut psychic twinkling uncleanness
  02/07/14
you should've gone into finance, instead. you'd have a milli...
light fragrant business firm
  02/07/14
I was too lazy in college, but yeah would have been a good i...
vibrant walnut psychic twinkling uncleanness
  02/07/14
$38k was a decent starting salary in 1995...?
at-the-ready coral indirect expression macaca
  02/08/14
my gf doesn't even have a credit card. she's 24
Slippery partner
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
Swashbuckling Scourge Upon The Earth Spot
  02/07/14
...
Appetizing Chestnut Affirmative Action
  02/07/14
yes arthur is fucked, ben pwns him
Swashbuckling Scourge Upon The Earth Spot
  02/07/14
Twist: Arthur was swimming in student loan debt
vivacious submissive dragon
  02/07/14
...
overrated masturbator
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
Talented sound barrier mexican
  02/07/14
...
Topaz provocative messiness forum
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
Irradiated Vengeful Box Office
  02/07/14
True, the idea that investing early is a good idea sure didn...
Talented sound barrier mexican
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
twinkling insanely creepy sneaky criminal boltzmann
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
twinkling insanely creepy sneaky criminal boltzmann
  07/08/17
Right. The person who started investing earlier is still in ...
exciting white dopamine senate
  07/09/17
I think the more interesting hypo is a guy who starts invest...
wonderful tank
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
Topaz provocative messiness forum
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
Titillating canary theater stage gaping
  02/07/14
I still think it's more credited to maintain liquidity and i...
Chartreuse tattoo electric furnace
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
vibrant walnut psychic twinkling uncleanness
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
Talented sound barrier mexican
  02/07/14
(cgm)
galvanic national gay wizard
  02/07/14
What does this look like if you assume 6% returns?
Poppy cruise ship
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
floppy center mental disorder
  02/08/14
...
Appetizing Chestnut Affirmative Action
  02/17/14
not really. my parents had very little just 20 years ago...
Idiotic alcoholic public bath
  02/08/14
...
Appetizing Chestnut Affirmative Action
  02/10/14
...
Cocky Church Building Legal Warrant
  07/08/17
So your telling me that if I make a lot of money ill do well...
startled set degenerate
  12/10/14
...
Appetizing Chestnut Affirmative Action
  05/14/14
...
Appetizing Chestnut Affirmative Action
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
adventurous station stain
  12/10/14
...
Appetizing Chestnut Affirmative Action
  12/10/14
...
Appetizing Chestnut Affirmative Action
  02/13/15
this is retarded. for most of us, that would have meant soc...
contagious area legend
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
Emerald charismatic meetinghouse
  02/13/15
...
Appetizing Chestnut Affirmative Action
  02/13/15
we're in a bubble right now, so all of those figures are bul...
contagious area legend
  02/13/15
...
Appetizing Chestnut Affirmative Action
  02/13/15
A year later after bitching in this thread, I have fucking $...
vibrant walnut psychic twinkling uncleanness
  02/13/15
...
Appetizing Chestnut Affirmative Action
  02/13/15
What has your APR been?
Trip wrinkle
  02/13/15
how much money did you have in cash on the sidelines from th...
Cerebral impressive menage feces
  02/13/15
...
Appetizing Chestnut Affirmative Action
  12/29/15
...
Appetizing Chestnut Affirmative Action
  04/18/16
I remember a teacher showing us this kind of chart back arou...
Puce Dog Poop State
  04/18/16
wise move
apoplectic dilemma
  04/18/16
I brought up shit like fees and realistic rates and the guy ...
may his bones be crushed
  04/13/26
Too late now. Might as well YOLO out of control.
mildly autistic indian lodge turdskin
  04/18/16
...
Appetizing Chestnut Affirmative Action
  04/18/16
This is false and assumes one continues working a cookie-cut...
Idiotic alcoholic public bath
  04/18/16
just do >10% growth every year. worked for bernie madoff
bat-shit-crazy aqua becky principal's office
  04/18/16
This bort is retarded.
Mischievous Coiffed Lay Friendly Grandma
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
effete lettuce
  04/18/16
...
Appetizing Chestnut Affirmative Action
  04/18/16
you pointed it out above several times, and each time you go...
effete lettuce
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
Histrionic hall selfie
  04/18/16
The real reason this chart is dumb is because of inflation. ...
Sienna property fanboi
  04/18/16
...
Appetizing Chestnut Affirmative Action
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
Sienna property fanboi
  04/18/16
...
Appetizing Chestnut Affirmative Action
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
Carmine parlor pocket flask
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
Silver Roast Beef
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
brilliant place of business
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
ruby home mad-dog skullcap
  02/20/17
I agree generally that returns will be lower. But if you ask...
brilliant place of business
  02/20/17
saving for retirement is flame. just slide and let do
know-it-all trailer park
  04/18/16
cr
effete lettuce
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
deep embarrassed to the bone brethren
  09/29/16
...
Appetizing Chestnut Affirmative Action
  09/29/16
How do they get 10% retune every year
racy shitlib
  09/29/16
noob investor question, but isn't this idea kind of self per...
pontificating cuck
  09/29/16
Student loan interest exceeds most investment returns so tha...
adventurous station stain
  09/29/16
...
pontificating cuck
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
Nighttime autistic kitchen associate
  02/20/17
...
Nighttime autistic kitchen associate
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
ebony multi-colored school pozpig
  07/08/17
COMPOUND INT--*nuke melts face*
beady-eyed rehab pistol
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
olive cracking range
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
beady-eyed rehab pistol
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
olive cracking range
  07/08/17
(Not a rental property owner)
Infuriating lavender gas station
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
exciting white dopamine senate
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
Nighttime autistic kitchen associate
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
olive cracking range
  07/08/17
now show me the table for $300K at 8% in student loans
umber trust fund
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
Ocher Bisexual Address
  07/08/17
...
deep embarrassed to the bone brethren
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
umber trust fund
  07/08/17
data entry
Cocky Church Building Legal Warrant
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
umber trust fund
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
Cocky Church Building Legal Warrant
  07/08/17
CR
deep embarrassed to the bone brethren
  07/08/17
Admin assistant
deep embarrassed to the bone brethren
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
umber trust fund
  07/08/17
According to the chart all you need to invest is like 2k a y...
deep embarrassed to the bone brethren
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
passionate nofapping marketing idea sandwich
  07/08/17
things barzini knew and did that you did not for $200, alex
overrated masturbator
  07/09/17
I think a much more sure bet is Social Security taxes being ...
amber thirsty old irish cottage
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
passionate nofapping marketing idea sandwich
  07/08/17
Investment compounding is the single biggest scam the inve...
floppy center mental disorder
  07/09/17
...
Rambunctious exhilarant university kitty
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
Duck-like Hairraiser House Dysfunction
  08/23/17
...
Appetizing Chestnut Affirmative Action
  09/15/23
how’d we all do?
add more sirens or I will keep poasting
  04/13/26
Not flame bc of the OP I invested $35k and it’s worth ...
Alison Angel Fan
  04/13/26
...
richard clock
  04/13/26


Poast new message in this thread



Reply Favorite

Date: February 7th, 2014 3:20 PM
Author: Appetizing Chestnut Affirmative Action

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: aromatic whorehouse

(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: 180 Philosopher-king
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: richard clock



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: Wine supple travel guidebook chapel

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: Sepia Insecure Nibblets



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: domesticated high-end office faggot firefighter

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: internet-worthy arrogant filthpig

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: vibrant walnut psychic twinkling uncleanness

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: Jet-lagged gold deer antler

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: may his bones be crushed



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



Reply Favorite

Date: February 7th, 2014 3:28 PM
Author: Appetizing Chestnut Affirmative Action



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: vivacious submissive dragon

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: Cerise gaped step-uncle's house sex offender

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: vivacious submissive dragon

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: Stubborn Institution



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: ungodly violent knife



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: very tactful wagecucks



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: vivacious submissive dragon



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: lake nudist mediation orchestra pit



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: very tactful wagecucks



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: Appetizing Chestnut Affirmative Action



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: vivacious submissive dragon

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: Appetizing Chestnut Affirmative Action



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: vivacious submissive dragon

(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: vivacious submissive dragon

(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: vivacious submissive dragon

(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: Infuriating lavender gas station

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: Mischievous Coiffed Lay Friendly Grandma

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: Appetizing Chestnut Affirmative Action



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: Infuriating lavender gas station

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: Infuriating lavender gas station



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: Infuriating lavender gas station

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: fishy crotch liquid oxygen



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: Infuriating lavender gas station

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: Bateful kitty cat library

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: Appetizing Chestnut Affirmative Action



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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: Infuriating lavender gas station

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: Mischievous Coiffed Lay Friendly Grandma

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: Infuriating lavender gas station

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: may his bones be crushed



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



Reply Favorite

Date: February 20th, 2017 9:25 AM
Author: concupiscible dead son of senegal

(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: Goyvin Jewsom

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: Orchid love of her life cuckold

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: Appetizing Chestnut Affirmative Action



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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: Infuriating lavender gas station

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: wild glittery ticket booth

(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: transparent buck-toothed prole

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: Ivory fear-inspiring shrine

haha

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



Reply Favorite

Date: February 20th, 2017 1:49 AM
Author: vivacious submissive dragon



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



Reply Favorite

Date: February 20th, 2017 8:38 AM
Author: Mischievous Coiffed Lay Friendly Grandma



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: frum theater mother



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: Duck-like Hairraiser House Dysfunction



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: light fragrant business firm

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: Appetizing Chestnut Affirmative Action



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: light fragrant business firm

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: Appetizing Chestnut Affirmative Action



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: light fragrant business firm

?

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: Appetizing Chestnut Affirmative Action



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: light fragrant business firm

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: Appetizing Chestnut Affirmative Action



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



Reply Favorite

Date: February 7th, 2014 4:13 PM
Author: light fragrant business firm

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: Appetizing Chestnut Affirmative Action



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



Reply Favorite

Date: February 7th, 2014 4:35 PM
Author: Cerise gaped step-uncle's house sex offender

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: Appetizing Chestnut Affirmative Action



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



Reply Favorite

Date: July 9th, 2017 11:26 AM
Author: Insane Water Buffalo Boistinker

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: Thriller base

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: vibrant walnut psychic twinkling uncleanness

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: Wine supple travel guidebook chapel

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: vibrant walnut psychic twinkling uncleanness

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: Wine supple travel guidebook chapel

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: vibrant walnut psychic twinkling uncleanness

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: Wine supple travel guidebook chapel

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: vibrant walnut psychic twinkling uncleanness

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: Wine supple travel guidebook chapel

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: vibrant walnut psychic twinkling uncleanness

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: may his bones be crushed

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: boyish stage doctorate

(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: Mind-boggling massive keepsake machete resort

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: Appetizing Chestnut Affirmative Action



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Wine supple travel guidebook chapel

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: Emerald charismatic meetinghouse



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: Stimulating locale potus



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: deep embarrassed to the bone brethren



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: vibrant walnut psychic twinkling uncleanness

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: Wine supple travel guidebook chapel

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: vibrant walnut psychic twinkling uncleanness

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: light fragrant business firm

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: vibrant walnut psychic twinkling uncleanness

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: at-the-ready coral indirect expression macaca

$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: Slippery partner

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: Swashbuckling Scourge Upon The Earth Spot

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: Appetizing Chestnut Affirmative Action



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: Swashbuckling Scourge Upon The Earth Spot

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: vivacious submissive dragon

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: overrated masturbator



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



Reply Favorite

Date: February 7th, 2014 4:01 PM
Author: Talented sound barrier mexican

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: Topaz provocative messiness forum



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



Reply Favorite

Date: February 7th, 2014 4:08 PM
Author: Irradiated Vengeful Box Office

*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: Talented sound barrier mexican

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: twinkling insanely creepy sneaky criminal boltzmann

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: twinkling insanely creepy sneaky criminal boltzmann

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: exciting white dopamine senate

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: wonderful tank

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: Topaz provocative messiness forum

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: Titillating canary theater stage gaping

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: Chartreuse tattoo electric furnace

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: vibrant walnut psychic twinkling uncleanness

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: Talented sound barrier mexican

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: galvanic national gay wizard

(cgm)

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



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: Poppy cruise ship

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: floppy center mental disorder

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: Appetizing Chestnut Affirmative Action



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: Idiotic alcoholic public bath

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: Appetizing Chestnut Affirmative Action



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: Cocky Church Building Legal Warrant



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: startled set degenerate

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: Appetizing Chestnut Affirmative Action



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: Appetizing Chestnut Affirmative Action



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: adventurous station stain

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: Appetizing Chestnut Affirmative Action



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: Appetizing Chestnut Affirmative Action



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: contagious area legend

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: Emerald charismatic meetinghouse

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: Appetizing Chestnut Affirmative Action



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: contagious area legend

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: Appetizing Chestnut Affirmative Action



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: vibrant walnut psychic twinkling uncleanness

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: Appetizing Chestnut Affirmative Action



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



Reply Favorite

Date: February 13th, 2015 5:53 PM
Author: Trip wrinkle

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: Cerebral impressive menage feces

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: Appetizing Chestnut Affirmative Action



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



Reply Favorite

Date: April 18th, 2016 7:18 AM
Author: Appetizing Chestnut Affirmative Action



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



Reply Favorite

Date: April 18th, 2016 7:47 AM
Author: Puce Dog Poop State

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: apoplectic dilemma

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: may his bones be crushed

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: mildly autistic indian lodge turdskin

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: Appetizing Chestnut Affirmative Action



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



Reply Favorite

Date: April 18th, 2016 7:50 AM
Author: Idiotic alcoholic public bath

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: bat-shit-crazy aqua becky principal's office

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: Mischievous Coiffed Lay Friendly Grandma

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: effete lettuce

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: Appetizing Chestnut Affirmative Action



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



Reply Favorite

Date: April 18th, 2016 10:04 AM
Author: effete lettuce

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: Histrionic hall selfie

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: Sienna property fanboi

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: Appetizing Chestnut Affirmative Action



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



Reply Favorite

Date: April 18th, 2016 9:50 AM
Author: Sienna property fanboi

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: Appetizing Chestnut Affirmative Action



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



Reply Favorite

Date: July 8th, 2017 11:01 AM
Author: Carmine parlor pocket flask

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: Silver Roast Beef

*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: brilliant place of business

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: ruby home mad-dog skullcap

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: brilliant place of business

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: know-it-all trailer park

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: effete lettuce

cr

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



Reply Favorite

Date: September 29th, 2016 10:24 AM
Author: deep embarrassed to the bone brethren

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: Appetizing Chestnut Affirmative Action



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



Reply Favorite

Date: September 29th, 2016 1:21 PM
Author: racy shitlib

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: pontificating cuck

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: adventurous station stain

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: pontificating cuck



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



Reply Favorite

Date: February 20th, 2017 8:11 AM
Author: Nighttime autistic kitchen associate

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: Nighttime autistic kitchen associate



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



Reply Favorite

Date: July 8th, 2017 9:40 AM
Author: ebony multi-colored school pozpig

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: beady-eyed rehab pistol

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: olive cracking range

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: beady-eyed rehab pistol

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: olive cracking range

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: Infuriating lavender gas station

(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: exciting white dopamine senate

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: Nighttime autistic kitchen associate

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: olive cracking range

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: umber trust fund

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: Ocher Bisexual Address

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: deep embarrassed to the bone brethren



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



Reply Favorite

Date: July 8th, 2017 12:30 PM
Author: umber trust fund

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: Cocky Church Building Legal Warrant

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: umber trust fund

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: Cocky Church Building Legal Warrant

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: deep embarrassed to the bone brethren

CR

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



Reply Favorite

Date: July 8th, 2017 12:32 PM
Author: deep embarrassed to the bone brethren

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: umber trust fund

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: deep embarrassed to the bone brethren

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: passionate nofapping marketing idea sandwich

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: overrated masturbator

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: amber thirsty old irish cottage

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: passionate nofapping marketing idea sandwich

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: floppy center mental disorder

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: Rambunctious exhilarant university kitty



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



Reply Favorite

Date: August 23rd, 2017 11:19 AM
Author: Duck-like Hairraiser House Dysfunction

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: Appetizing Chestnut Affirmative Action



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



Reply Favorite

Date: April 13th, 2026 1:45 PM
Author: add more sirens or I will keep poasting

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: Alison Angel Fan

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: richard clock



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