\
  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...
Rebellious regret nibblets
  02/07/14
(Dave Ramsey)
jet rough-skinned principal's office main people
  12/10/14
Germany bull
motley unholy range french chef
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
Big Trailer Park Love Of Her Life
  02/07/14
...
Pungent house mexican
  02/08/14
yep
Silver Costumed Nursing Home Rigor
  02/07/14
what is the apr on this
fantasy-prone pocket flask
  02/07/14
12% lol.
white underhanded incel stead
  02/07/14
fucking boomers
Sapphire senate therapy
  02/07/14
...
may his bones be crushed
  04/13/26
...
Rebellious regret nibblets
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
At-the-ready old irish cottage
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
elite box office
  02/07/14
180
At-the-ready old irish cottage
  02/07/14
...
Wine cerebral ticket booth athletic conference
  02/08/14
...
clear crackhouse psychic
  02/13/15
...
Nofapping national
  04/18/16
...
At-the-ready old irish cottage
  02/20/17
...
Sooty bearded milk
  02/20/17
...
Nofapping national
  07/08/17
...
Rebellious regret nibblets
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
At-the-ready old irish cottage
  02/07/14
...
Rebellious regret nibblets
  02/07/14
(guy who recently watched The Secret)
At-the-ready old irish cottage
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
At-the-ready old irish cottage
  02/07/14
(Boomer in 2006 buying third investment property)
At-the-ready old irish cottage
  02/07/14
this will not occur over the next 40 years
Pink electric brunch
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
Passionate Public Bath
  02/07/14
...
Rebellious regret nibblets
  02/07/14
Compare the demographics, foreign competition, and regulator...
Pink electric brunch
  12/10/14
...
Pink electric brunch
  04/18/16
A true genius
Pink electric brunch
  09/29/16
...
Appetizing haunted graveyard
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
Pink electric brunch
  04/18/16
Just do assume 12% returns for 45 years
Fighting corner travel guidebook
  02/07/14
...
Rebellious regret nibblets
  02/07/14
CR incredibly retarded
Pink electric brunch
  02/07/14
It doesn't change regardless of rate.
Passionate Public Bath
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
Pink electric brunch
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
sienna low-t hominid
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
Greedy demanding location
  02/07/14
...
Rebellious regret nibblets
  02/07/14
this will not be the case for the next 50 years
Pink electric brunch
  02/07/14
(Suze Orman after a few too many glasses of wine)
pearl judgmental indirect expression
  02/07/14
lol'd
magenta digit ratio
  04/18/16
haha
well-lubricated plum orchestra pit degenerate
  09/29/16
...
At-the-ready old irish cottage
  02/20/17
...
Passionate Public Bath
  02/20/17
...
razzle-dazzle den doctorate
  02/20/17
...
Cerise Generalized Bond
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
Amber tanning salon place of business
  02/07/14
...
Rebellious regret nibblets
  02/07/14
Not if returns were negative when/in the years immediately f...
Amber tanning salon place of business
  02/07/14
...
Rebellious regret nibblets
  02/07/14
? All the hypo supposes is that you start investing in yo...
Amber tanning salon place of business
  02/07/14
...
Rebellious regret nibblets
  02/07/14
YOUR personal rate of return is different from the market's ...
Amber tanning salon place of business
  02/07/14
...
Rebellious regret nibblets
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
Amber tanning salon place of business
  02/07/14
...
Rebellious regret nibblets
  02/07/14
you realize that to obtain the returns you stated above, one...
elite box office
  02/07/14
...
Rebellious regret nibblets
  02/07/14
jfc why does she write shit like this
learning disabled vigorous macaca piazza
  07/09/17
This is true for everything ever.
aromatic native son of senegal
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
white underhanded incel stead
  02/07/14
U r 36? LOLOL
Big Trailer Park Love Of Her Life
  02/07/14
34 but I put more money than $2000 per year in there.
white underhanded incel stead
  02/07/14
Damen. How does it feel to be literally half done with life?
Big Trailer Park Love Of Her Life
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
white underhanded incel stead
  02/07/14
Goal retirement age??
Big Trailer Park Love Of Her Life
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
white underhanded incel stead
  02/07/14
Any family pressure to get married??
Big Trailer Park Love Of Her Life
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
white underhanded incel stead
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
startled provocative idea he suggested
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
dull quadroon
  02/07/14
...
Rebellious regret nibblets
  02/07/14
Doctors are done here
Big Trailer Park Love Of Her Life
  02/07/14
...
Comical turdskin
  02/13/15
...
maize mad cow disease
  02/20/17
...
talented coldplay fan
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
white underhanded incel stead
  02/07/14
What were u doing at 22?
Big Trailer Park Love Of Her Life
  02/07/14
crappy consulting firm do municipal bond analysis.
white underhanded incel stead
  02/07/14
you should've gone into finance, instead. you'd have a milli...
Amber tanning salon place of business
  02/07/14
I was too lazy in college, but yeah would have been a good i...
white underhanded incel stead
  02/07/14
$38k was a decent starting salary in 1995...?
racy blood rage
  02/08/14
my gf doesn't even have a credit card. she's 24
Dun useless brakes
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
Embarrassed to the bone unhinged chapel round eye
  02/07/14
...
Rebellious regret nibblets
  02/07/14
yes arthur is fucked, ben pwns him
Embarrassed to the bone unhinged chapel round eye
  02/07/14
Twist: Arthur was swimming in student loan debt
At-the-ready old irish cottage
  02/07/14
...
lascivious pearly temple sound barrier
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
idiotic boyish famous landscape painting menage
  02/07/14
...
Razzle Sick University Patrolman
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
Mind-boggling frisky stage weed whacker
  02/07/14
True, the idea that investing early is a good idea sure didn...
idiotic boyish famous landscape painting menage
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
trip office
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
trip office
  07/08/17
Right. The person who started investing earlier is still in ...
Bateful Slap-happy Parlor Twinkling Uncleanness
  07/09/17
I think the more interesting hypo is a guy who starts invest...
Free-loading painfully honest theatre tattoo
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
Razzle Sick University Patrolman
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
soggy codepig
  02/07/14
I still think it's more credited to maintain liquidity and i...
thirsty nowag
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
white underhanded incel stead
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
idiotic boyish famous landscape painting menage
  02/07/14
(cgm)
Puce twisted hall mood
  02/07/14
What does this look like if you assume 6% returns?
multi-colored locale
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
Godawful school cafeteria
  02/08/14
...
Rebellious regret nibblets
  02/17/14
not really. my parents had very little just 20 years ago...
Violet Mischievous Cuckold
  02/08/14
...
Rebellious regret nibblets
  02/10/14
...
confused casino
  07/08/17
So your telling me that if I make a lot of money ill do well...
Emerald pontificating church hissy fit
  12/10/14
...
Rebellious regret nibblets
  05/14/14
...
Rebellious regret nibblets
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
Naked volcanic crater people who are hurt
  12/10/14
...
Rebellious regret nibblets
  12/10/14
...
Rebellious regret nibblets
  02/13/15
this is retarded. for most of us, that would have meant soc...
arousing nudist parlour
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
Comical turdskin
  02/13/15
...
Rebellious regret nibblets
  02/13/15
we're in a bubble right now, so all of those figures are bul...
arousing nudist parlour
  02/13/15
...
Rebellious regret nibblets
  02/13/15
A year later after bitching in this thread, I have fucking $...
white underhanded incel stead
  02/13/15
...
Rebellious regret nibblets
  02/13/15
What has your APR been?
insanely creepy whorehouse police squad
  02/13/15
how much money did you have in cash on the sidelines from th...
violent supple azn chad
  02/13/15
...
Rebellious regret nibblets
  12/29/15
...
Rebellious regret nibblets
  04/18/16
I remember a teacher showing us this kind of chart back arou...
Stirring lay
  04/18/16
wise move
violent bawdyhouse messiness
  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.
Wonderful Slate Dilemma Multi-billionaire
  04/18/16
...
Rebellious regret nibblets
  04/18/16
This is false and assumes one continues working a cookie-cut...
Violet Mischievous Cuckold
  04/18/16
just do >10% growth every year. worked for bernie madoff
Crimson Gay Wizard
  04/18/16
This bort is retarded.
Passionate Public Bath
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
ebony voyeur locus
  04/18/16
...
Rebellious regret nibblets
  04/18/16
you pointed it out above several times, and each time you go...
ebony voyeur locus
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
Rusted Address Stock Car
  04/18/16
The real reason this chart is dumb is because of inflation. ...
blue background story sex offender
  04/18/16
...
Rebellious regret nibblets
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
blue background story sex offender
  04/18/16
...
Rebellious regret nibblets
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
stubborn bisexual stag film
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
glittery philosopher-king
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
bronze windowlicker point
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
180 heaven
  02/20/17
I agree generally that returns will be lower. But if you ask...
bronze windowlicker point
  02/20/17
saving for retirement is flame. just slide and let do
out-of-control bespoke marketing idea
  04/18/16
cr
ebony voyeur locus
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
talented coldplay fan
  09/29/16
...
Rebellious regret nibblets
  09/29/16
How do they get 10% retune every year
Opaque Shrine Personal Credit Line
  09/29/16
noob investor question, but isn't this idea kind of self per...
up-to-no-good step-uncle's house karate
  09/29/16
Student loan interest exceeds most investment returns so tha...
Naked volcanic crater people who are hurt
  09/29/16
...
up-to-no-good step-uncle's house karate
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
autistic nighttime double fault
  02/20/17
...
autistic nighttime double fault
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
coral sneaky criminal
  07/08/17
COMPOUND INT--*nuke melts face*
Smoky Insecure Laser Beams Circlehead
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
Swashbuckling chocolate business firm really tough guy
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
Smoky Insecure Laser Beams Circlehead
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
Swashbuckling chocolate business firm really tough guy
  07/08/17
(Not a rental property owner)
Pink electric brunch
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
Bateful Slap-happy Parlor Twinkling Uncleanness
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
autistic nighttime double fault
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
Swashbuckling chocolate business firm really tough guy
  07/08/17
now show me the table for $300K at 8% in student loans
chartreuse filthy tank partner
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
Cracking fanboi prole
  07/08/17
...
talented coldplay fan
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
chartreuse filthy tank partner
  07/08/17
data entry
confused casino
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
chartreuse filthy tank partner
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
confused casino
  07/08/17
CR
talented coldplay fan
  07/08/17
Admin assistant
talented coldplay fan
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
chartreuse filthy tank partner
  07/08/17
According to the chart all you need to invest is like 2k a y...
talented coldplay fan
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
Arrogant Coffee Pot Community Account
  07/08/17
things barzini knew and did that you did not for $200, alex
lascivious pearly temple sound barrier
  07/09/17
I think a much more sure bet is Social Security taxes being ...
mauve razzmatazz preventive strike
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
Arrogant Coffee Pot Community Account
  07/08/17
Investment compounding is the single biggest scam the inve...
Godawful school cafeteria
  07/09/17
...
Drab half-breed
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
Cerise Generalized Bond
  08/23/17
...
Rebellious regret nibblets
  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: Rebellious regret nibblets

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

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



Reply Favorite

Date: December 10th, 2014 4:58 PM
Author: jet rough-skinned principal's office main people

(Dave Ramsey)

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



Reply Favorite

Date: September 15th, 2023 12:25 PM
Author: motley unholy range french chef
Subject: Germany bull

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

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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: Big Trailer Park Love Of Her Life

Brb transferring money to my roth

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



Reply Favorite

Date: February 8th, 2014 10:44 AM
Author: Pungent house mexican



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: Silver Costumed Nursing Home Rigor

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: fantasy-prone pocket flask

what is the apr on this

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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: white underhanded incel stead

12% lol.

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



Reply Favorite

Date: February 7th, 2014 3:25 PM
Author: Sapphire senate therapy

fucking boomers

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



Reply Favorite

Date: February 7th, 2014 3:28 PM
Author: Rebellious regret nibblets



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: At-the-ready old irish cottage

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...id#24973943)



Reply Favorite

Date: February 7th, 2014 3:34 PM
Author: elite box office

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...id#24973956)



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: At-the-ready old irish cottage

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: Wine cerebral ticket booth athletic conference



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: clear crackhouse psychic



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: Nofapping national



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: At-the-ready old irish cottage



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: Sooty bearded milk



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: Nofapping national



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: Rebellious regret nibblets



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: At-the-ready old irish cottage

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...id#24974015)



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: Rebellious regret nibblets



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: At-the-ready old irish cottage

(guy who recently watched The Secret)

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



Reply Favorite

Date: February 7th, 2014 3:56 PM
Author: At-the-ready old irish cottage

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

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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: At-the-ready old irish cottage

(Boomer in 2006 buying third investment property)

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



Reply Favorite

Date: February 7th, 2014 3:59 PM
Author: Pink electric brunch

this will not occur over the next 40 years

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



Reply Favorite

Date: February 7th, 2014 4:36 PM
Author: Passionate Public Bath

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...id#24974300)



Reply Favorite

Date: February 7th, 2014 4:40 PM
Author: Rebellious regret nibblets



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: Pink electric brunch

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...id#26902473)



Reply Favorite

Date: April 18th, 2016 9:12 AM
Author: Pink electric brunch



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: Pink electric brunch

A true genius

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



Reply Favorite

Date: April 18th, 2016 7:41 AM
Author: Appetizing haunted graveyard



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: Pink electric brunch

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...id#30296264)



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Fighting corner travel guidebook

Just do assume 12% returns for 45 years

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



Reply Favorite

Date: February 7th, 2014 3:29 PM
Author: Rebellious regret nibblets



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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: Pink electric brunch

CR incredibly retarded

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



Reply Favorite

Date: April 18th, 2016 8:57 AM
Author: Passionate Public Bath

It doesn't change regardless of rate.

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



Reply Favorite

Date: April 18th, 2016 9:13 AM
Author: Pink electric brunch

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

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



Reply Favorite

Date: February 20th, 2017 9:25 AM
Author: sienna low-t hominid

(finance genius)

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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Greedy demanding location

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...id#24973885)



Reply Favorite

Date: February 7th, 2014 3:29 PM
Author: Rebellious regret nibblets



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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: Pink electric brunch

this will not be the case for the next 50 years



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: pearl judgmental indirect expression

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

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



Reply Favorite

Date: April 18th, 2016 9:35 AM
Author: magenta digit ratio

lol'd

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



Reply Favorite

Date: September 29th, 2016 10:24 AM
Author: well-lubricated plum orchestra pit degenerate

haha

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



Reply Favorite

Date: February 20th, 2017 1:49 AM
Author: At-the-ready old irish cottage



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



Reply Favorite

Date: February 20th, 2017 8:38 AM
Author: Passionate Public Bath



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: razzle-dazzle den doctorate



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: Cerise Generalized Bond



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Amber tanning salon place of business

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...id#24973892)



Reply Favorite

Date: February 7th, 2014 3:30 PM
Author: Rebellious regret nibblets



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Amber tanning salon place of business

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...id#24973941)



Reply Favorite

Date: February 7th, 2014 3:36 PM
Author: Rebellious regret nibblets



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: Amber tanning salon place of business

?

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...id#24973993)



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Rebellious regret nibblets



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Amber tanning salon place of business

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...id#24974038)



Reply Favorite

Date: February 7th, 2014 3:49 PM
Author: Rebellious regret nibblets



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



Reply Favorite

Date: February 7th, 2014 4:13 PM
Author: Amber tanning salon place of business

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...id#24974177)



Reply Favorite

Date: February 7th, 2014 4:33 PM
Author: Rebellious regret nibblets



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



Reply Favorite

Date: February 7th, 2014 4:35 PM
Author: elite box office

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...id#24974293)



Reply Favorite

Date: February 7th, 2014 4:41 PM
Author: Rebellious regret nibblets



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



Reply Favorite

Date: July 9th, 2017 11:26 AM
Author: learning disabled vigorous macaca piazza

jfc why does she write shit like this

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



Reply Favorite

Date: September 29th, 2016 2:14 PM
Author: aromatic native son of senegal

This is true for everything ever.

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



Reply Favorite

Date: February 7th, 2014 3:25 PM
Author: white underhanded incel stead

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...id#24973900)



Reply Favorite

Date: February 7th, 2014 3:30 PM
Author: Big Trailer Park Love Of Her Life

U r 36? LOLOL

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



Reply Favorite

Date: February 7th, 2014 3:31 PM
Author: white underhanded incel stead

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

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



Reply Favorite

Date: February 7th, 2014 3:36 PM
Author: Big Trailer Park Love Of Her Life

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

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



Reply Favorite

Date: February 7th, 2014 3:39 PM
Author: white underhanded incel stead

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...id#24973988)



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: Big Trailer Park Love Of Her Life

Goal retirement age??

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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: white underhanded incel stead

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...id#24974009)



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: Big Trailer Park Love Of Her Life

Any family pressure to get married??

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



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: white underhanded incel stead

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...id#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...id#49814674)



Reply Favorite

Date: February 7th, 2014 3:32 PM
Author: startled provocative idea he suggested

(39-year-old, MAF troll)

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



Reply Favorite

Date: February 7th, 2014 3:38 PM
Author: dull quadroon

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...id#24973984)



Reply Favorite

Date: February 7th, 2014 3:39 PM
Author: Rebellious regret nibblets



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Big Trailer Park Love Of Her Life

Doctors are done here

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



Reply Favorite

Date: February 13th, 2015 5:32 PM
Author: Comical turdskin



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: maize mad cow disease



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: talented coldplay fan



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: white underhanded incel stead

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...id#24974025)



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: Big Trailer Park Love Of Her Life

What were u doing at 22?

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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: white underhanded incel stead

crappy consulting firm do municipal bond analysis.

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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: Amber tanning salon place of business

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...id#24974087)



Reply Favorite

Date: February 7th, 2014 3:59 PM
Author: white underhanded incel stead

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...id#24974092)



Reply Favorite

Date: February 8th, 2014 10:36 AM
Author: racy blood rage

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

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



Reply Favorite

Date: April 18th, 2016 9:49 AM
Author: Dun useless brakes

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

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



Reply Favorite

Date: February 7th, 2014 3:48 PM
Author: Embarrassed to the bone unhinged chapel round eye

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...id#24974041)



Reply Favorite

Date: February 7th, 2014 3:50 PM
Author: Rebellious regret nibblets



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: Embarrassed to the bone unhinged chapel round eye

yes arthur is fucked, ben pwns him

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



Reply Favorite

Date: February 7th, 2014 3:51 PM
Author: At-the-ready old irish cottage

Twist: Arthur was swimming in student loan debt

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



Reply Favorite

Date: February 13th, 2015 5:46 PM
Author: lascivious pearly temple sound barrier



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



Reply Favorite

Date: February 7th, 2014 4:01 PM
Author: idiotic boyish famous landscape painting menage

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...id#24974098)



Reply Favorite

Date: February 8th, 2014 8:23 PM
Author: Razzle Sick University Patrolman



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



Reply Favorite

Date: February 7th, 2014 4:08 PM
Author: Mind-boggling frisky stage weed whacker

*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...id#24974133)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: idiotic boyish famous landscape painting menage

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...id#24974151)



Reply Favorite

Date: September 29th, 2016 1:14 PM
Author: trip office

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...id#31521424)



Reply Favorite

Date: July 8th, 2017 10:02 AM
Author: trip office

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...id#33727706)



Reply Favorite

Date: July 9th, 2017 10:45 AM
Author: Bateful Slap-happy Parlor Twinkling Uncleanness

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...id#33734072)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: Free-loading painfully honest theatre tattoo

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...id#24974146)



Reply Favorite

Date: February 8th, 2014 8:23 PM
Author: Razzle Sick University Patrolman

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...id#24980361)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: soggy codepig

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...id#24974148)



Reply Favorite

Date: February 7th, 2014 4:11 PM
Author: thirsty nowag

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...id#24974156)



Reply Favorite

Date: February 7th, 2014 4:15 PM
Author: white underhanded incel stead

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...id#24974195)



Reply Favorite

Date: February 7th, 2014 4:38 PM
Author: idiotic boyish famous landscape painting menage

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...id#24974306)



Reply Favorite

Date: February 7th, 2014 4:58 PM
Author: Puce twisted hall mood

(cgm)

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



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: multi-colored locale

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

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



Reply Favorite

Date: February 8th, 2014 10:51 AM
Author: Godawful school cafeteria

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...id#24977600)



Reply Favorite

Date: February 17th, 2014 11:13 AM
Author: Rebellious regret nibblets



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: Violet Mischievous Cuckold

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...id#24977623)



Reply Favorite

Date: February 10th, 2014 2:32 PM
Author: Rebellious regret nibblets



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: confused casino



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: Emerald pontificating church hissy fit

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...id#26902507)



Reply Favorite

Date: May 14th, 2014 9:23 AM
Author: Rebellious regret nibblets



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: Rebellious regret nibblets



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: Naked volcanic crater people who are hurt

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...id#26902483)



Reply Favorite

Date: December 10th, 2014 5:10 PM
Author: Rebellious regret nibblets



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: Rebellious regret nibblets



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: arousing nudist parlour

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...id#27309317)



Reply Favorite

Date: February 13th, 2015 5:35 PM
Author: Comical turdskin

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...id#27309326)



Reply Favorite

Date: February 13th, 2015 5:36 PM
Author: Rebellious regret nibblets



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: arousing nudist parlour

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...id#27309354)



Reply Favorite

Date: February 13th, 2015 5:50 PM
Author: Rebellious regret nibblets



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: white underhanded incel stead

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...id#27309399)



Reply Favorite

Date: February 13th, 2015 5:52 PM
Author: Rebellious regret nibblets



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



Reply Favorite

Date: February 13th, 2015 5:53 PM
Author: insanely creepy whorehouse police squad

What has your APR been?

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



Reply Favorite

Date: February 13th, 2015 6:18 PM
Author: violent supple azn chad

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...id#27309632)



Reply Favorite

Date: December 29th, 2015 1:41 PM
Author: Rebellious regret nibblets



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



Reply Favorite

Date: April 18th, 2016 7:18 AM
Author: Rebellious regret nibblets



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



Reply Favorite

Date: April 18th, 2016 7:47 AM
Author: Stirring lay

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...id#30296076)



Reply Favorite

Date: April 18th, 2016 8:17 AM
Author: violent bawdyhouse messiness

wise move

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



Reply Favorite

Date: April 18th, 2016 7:49 AM
Author: Wonderful Slate Dilemma Multi-billionaire

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

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



Reply Favorite

Date: April 18th, 2016 9:40 AM
Author: Rebellious regret nibblets



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



Reply Favorite

Date: April 18th, 2016 7:50 AM
Author: Violet Mischievous Cuckold

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...id#30296082)



Reply Favorite

Date: April 18th, 2016 8:51 AM
Author: Crimson Gay Wizard

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

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



Reply Favorite

Date: April 18th, 2016 8:57 AM
Author: Passionate Public Bath

This bort is retarded.

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



Reply Favorite

Date: April 18th, 2016 9:04 AM
Author: ebony voyeur locus

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...id#30296237)



Reply Favorite

Date: April 18th, 2016 9:41 AM
Author: Rebellious regret nibblets



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



Reply Favorite

Date: April 18th, 2016 10:04 AM
Author: ebony voyeur locus

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...id#30296421)



Reply Favorite

Date: April 18th, 2016 9:20 AM
Author: Rusted Address Stock Car

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...id#30296292)



Reply Favorite

Date: April 18th, 2016 9:20 AM
Author: blue background story sex offender

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...id#30296293)



Reply Favorite

Date: April 18th, 2016 9:45 AM
Author: Rebellious regret nibblets



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



Reply Favorite

Date: April 18th, 2016 9:50 AM
Author: blue background story sex offender

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...id#30296396)



Reply Favorite

Date: April 18th, 2016 10:02 AM
Author: Rebellious regret nibblets



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



Reply Favorite

Date: July 8th, 2017 11:01 AM
Author: stubborn bisexual stag film

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

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



Reply Favorite

Date: September 15th, 2023 11:41 AM
Author: glittery philosopher-king

*assumes 3% inflation*

*fade in cannibal holocaust theme*

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



Reply Favorite

Date: April 18th, 2016 9:24 AM
Author: bronze windowlicker point

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...id#30296303)



Reply Favorite

Date: February 20th, 2017 3:10 AM
Author: 180 heaven

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...id#32659870)



Reply Favorite

Date: February 20th, 2017 7:57 AM
Author: bronze windowlicker point

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...id#32660046)



Reply Favorite

Date: April 18th, 2016 9:57 AM
Author: out-of-control bespoke marketing idea

saving for retirement is flame. just slide and let do

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



Reply Favorite

Date: April 18th, 2016 10:04 AM
Author: ebony voyeur locus

cr

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



Reply Favorite

Date: September 29th, 2016 10:24 AM
Author: talented coldplay fan

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

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



Reply Favorite

Date: September 29th, 2016 10:03 AM
Author: Rebellious regret nibblets



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



Reply Favorite

Date: September 29th, 2016 1:21 PM
Author: Opaque Shrine Personal Credit Line

How do they get 10% retune every year

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



Reply Favorite

Date: September 29th, 2016 2:04 PM
Author: up-to-no-good step-uncle's house karate

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...id#31521755)



Reply Favorite

Date: September 29th, 2016 2:12 PM
Author: Naked volcanic crater people who are hurt

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...id#31521840)



Reply Favorite

Date: September 29th, 2016 4:48 PM
Author: up-to-no-good step-uncle's house karate



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



Reply Favorite

Date: February 20th, 2017 8:11 AM
Author: autistic nighttime double fault

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...id#32660068)



Reply Favorite

Date: July 8th, 2017 9:32 AM
Author: autistic nighttime double fault



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



Reply Favorite

Date: July 8th, 2017 9:40 AM
Author: coral sneaky criminal

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

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



Reply Favorite

Date: July 8th, 2017 9:46 AM
Author: Smoky Insecure Laser Beams Circlehead

COMPOUND INT--*nuke melts face*

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



Reply Favorite

Date: July 8th, 2017 9:50 AM
Author: Swashbuckling chocolate business firm really tough guy

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...id#33727671)



Reply Favorite

Date: July 8th, 2017 9:52 AM
Author: Smoky Insecure Laser Beams Circlehead

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...id#33727675)



Reply Favorite

Date: July 8th, 2017 9:54 AM
Author: Swashbuckling chocolate business firm really tough guy

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...id#33727681)



Reply Favorite

Date: July 8th, 2017 10:16 AM
Author: Pink electric brunch

(Not a rental property owner)

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



Reply Favorite

Date: July 9th, 2017 11:14 AM
Author: Bateful Slap-happy Parlor Twinkling Uncleanness

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...id#33734178)



Reply Favorite

Date: July 8th, 2017 10:05 AM
Author: autistic nighttime double fault

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

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



Reply Favorite

Date: July 8th, 2017 10:06 AM
Author: Swashbuckling chocolate business firm really tough guy

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...id#33727719)



Reply Favorite

Date: July 8th, 2017 12:06 PM
Author: chartreuse filthy tank partner

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

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



Reply Favorite

Date: July 8th, 2017 12:13 PM
Author: Cracking fanboi prole

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...id#33728056)



Reply Favorite

Date: July 8th, 2017 12:28 PM
Author: talented coldplay fan



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



Reply Favorite

Date: July 8th, 2017 12:30 PM
Author: chartreuse filthy tank partner

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...id#33728113)



Reply Favorite

Date: July 8th, 2017 12:32 PM
Author: confused casino

data entry

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



Reply Favorite

Date: July 8th, 2017 12:46 PM
Author: chartreuse filthy tank partner

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...id#33728151)



Reply Favorite

Date: July 8th, 2017 1:03 PM
Author: confused casino

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...id#33728219)



Reply Favorite

Date: July 8th, 2017 1:04 PM
Author: talented coldplay fan

CR

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



Reply Favorite

Date: July 8th, 2017 12:32 PM
Author: talented coldplay fan

Admin assistant

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



Reply Favorite

Date: July 8th, 2017 12:45 PM
Author: chartreuse filthy tank partner

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...id#33728148)



Reply Favorite

Date: July 8th, 2017 12:57 PM
Author: talented coldplay fan

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...id#33728193)



Reply Favorite

Date: July 8th, 2017 1:26 PM
Author: Arrogant Coffee Pot Community Account

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...id#33728308)



Reply Favorite

Date: July 9th, 2017 11:10 AM
Author: lascivious pearly temple sound barrier

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

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



Reply Favorite

Date: July 8th, 2017 12:45 PM
Author: mauve razzmatazz preventive strike

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...id#33728150)



Reply Favorite

Date: July 8th, 2017 1:27 PM
Author: Arrogant Coffee Pot Community Account

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...id#33728311)



Reply Favorite

Date: July 9th, 2017 11:21 AM
Author: Godawful school cafeteria

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...id#33734215)



Reply Favorite

Date: August 22nd, 2017 7:26 PM
Author: Drab half-breed



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



Reply Favorite

Date: August 23rd, 2017 11:19 AM
Author: Cerise Generalized Bond

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...id#34051890)



Reply Favorite

Date: September 15th, 2023 11:28 AM
Author: Rebellious regret nibblets



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