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

https://i.pinimg.com/736x/2e/d6/5d/2ed65d34dbac86519947d298d...
sienna appetizing theater stage travel guidebook
  02/07/14
(Dave Ramsey)
orchid rough-skinned ape french chef
  12/10/14
Germany bull
Vivacious bawdyhouse messiness
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
Fishy Indirect Expression Church Building
  02/07/14
...
tantric aquamarine degenerate
  02/08/14
yep
Gay curious scourge upon the earth
  02/07/14
what is the apr on this
cocky sanctuary keepsake machete
  02/07/14
12% lol.
floppy hairless shitlib
  02/07/14
fucking boomers
Cracking Space
  02/07/14
...
may his bones be crushed
  04/13/26
...
sienna appetizing theater stage travel guidebook
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
Beady-eyed fanboi meetinghouse
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
180 indian lodge
  02/07/14
180
Beady-eyed fanboi meetinghouse
  02/07/14
...
light mentally impaired genital piercing market
  02/08/14
...
histrionic pink prole location
  02/13/15
...
Alcoholic Adventurous Codepig
  04/18/16
...
Beady-eyed fanboi meetinghouse
  02/20/17
...
Frozen Nibblets
  02/20/17
...
Alcoholic Adventurous Codepig
  07/08/17
...
sienna appetizing theater stage travel guidebook
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
Beady-eyed fanboi meetinghouse
  02/07/14
...
sienna appetizing theater stage travel guidebook
  02/07/14
(guy who recently watched The Secret)
Beady-eyed fanboi meetinghouse
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
Beady-eyed fanboi meetinghouse
  02/07/14
(Boomer in 2006 buying third investment property)
Beady-eyed fanboi meetinghouse
  02/07/14
this will not occur over the next 40 years
Glittery Sable Black Woman Menage
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
painfully honest multi-colored liquid oxygen
  02/07/14
...
sienna appetizing theater stage travel guidebook
  02/07/14
Compare the demographics, foreign competition, and regulator...
Glittery Sable Black Woman Menage
  12/10/14
...
Glittery Sable Black Woman Menage
  04/18/16
A true genius
Glittery Sable Black Woman Menage
  09/29/16
...
Soul-stirring stubborn stage marketing idea
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
Glittery Sable Black Woman Menage
  04/18/16
Just do assume 12% returns for 45 years
bateful alpha psychic
  02/07/14
...
sienna appetizing theater stage travel guidebook
  02/07/14
CR incredibly retarded
Glittery Sable Black Woman Menage
  02/07/14
It doesn't change regardless of rate.
painfully honest multi-colored liquid oxygen
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
Glittery Sable Black Woman Menage
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
Razzle-dazzle spot athletic conference
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
mustard insane principal's office
  02/07/14
...
sienna appetizing theater stage travel guidebook
  02/07/14
this will not be the case for the next 50 years
Glittery Sable Black Woman Menage
  02/07/14
(Suze Orman after a few too many glasses of wine)
Cerise Provocative University
  02/07/14
lol'd
Razzle field
  04/18/16
haha
Red elastic band
  09/29/16
...
Beady-eyed fanboi meetinghouse
  02/20/17
...
painfully honest multi-colored liquid oxygen
  02/20/17
...
laughsome pit multi-billionaire
  02/20/17
...
Lascivious copper chapel faggot firefighter
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
Aqua reading party really tough guy
  02/07/14
...
sienna appetizing theater stage travel guidebook
  02/07/14
Not if returns were negative when/in the years immediately f...
Aqua reading party really tough guy
  02/07/14
...
sienna appetizing theater stage travel guidebook
  02/07/14
? All the hypo supposes is that you start investing in yo...
Aqua reading party really tough guy
  02/07/14
...
sienna appetizing theater stage travel guidebook
  02/07/14
YOUR personal rate of return is different from the market's ...
Aqua reading party really tough guy
  02/07/14
...
sienna appetizing theater stage travel guidebook
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
Aqua reading party really tough guy
  02/07/14
...
sienna appetizing theater stage travel guidebook
  02/07/14
you realize that to obtain the returns you stated above, one...
180 indian lodge
  02/07/14
...
sienna appetizing theater stage travel guidebook
  02/07/14
jfc why does she write shit like this
Sapphire Lodge
  07/09/17
This is true for everything ever.
pontificating slippery knife library
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
floppy hairless shitlib
  02/07/14
U r 36? LOLOL
Fishy Indirect Expression Church Building
  02/07/14
34 but I put more money than $2000 per year in there.
floppy hairless shitlib
  02/07/14
Damen. How does it feel to be literally half done with life?
Fishy Indirect Expression Church Building
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
floppy hairless shitlib
  02/07/14
Goal retirement age??
Fishy Indirect Expression Church Building
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
floppy hairless shitlib
  02/07/14
Any family pressure to get married??
Fishy Indirect Expression Church Building
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
floppy hairless shitlib
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
Peach legend stead
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
mahogany stirring church
  02/07/14
...
sienna appetizing theater stage travel guidebook
  02/07/14
Doctors are done here
Fishy Indirect Expression Church Building
  02/07/14
...
Aromatic toaster
  02/13/15
...
Ultramarine Bisexual Foreskin
  02/20/17
...
vibrant dead parlor famous landscape painting
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
floppy hairless shitlib
  02/07/14
What were u doing at 22?
Fishy Indirect Expression Church Building
  02/07/14
crappy consulting firm do municipal bond analysis.
floppy hairless shitlib
  02/07/14
you should've gone into finance, instead. you'd have a milli...
Aqua reading party really tough guy
  02/07/14
I was too lazy in college, but yeah would have been a good i...
floppy hairless shitlib
  02/07/14
$38k was a decent starting salary in 1995...?
iridescent native chad
  02/08/14
my gf doesn't even have a credit card. she's 24
stimulating carmine institution
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
supple hilarious regret circlehead
  02/07/14
...
sienna appetizing theater stage travel guidebook
  02/07/14
yes arthur is fucked, ben pwns him
supple hilarious regret circlehead
  02/07/14
Twist: Arthur was swimming in student loan debt
Beady-eyed fanboi meetinghouse
  02/07/14
...
Unholy comical senate
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
confused shivering address trump supporter
  02/07/14
...
house-broken violent dog poop
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
federal base
  02/07/14
True, the idea that investing early is a good idea sure didn...
confused shivering address trump supporter
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
Transparent theater
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
Transparent theater
  07/08/17
Right. The person who started investing earlier is still in ...
Lime gaming laptop
  07/09/17
I think the more interesting hypo is a guy who starts invest...
bonkers poppy main people
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
house-broken violent dog poop
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
metal brethren
  02/07/14
I still think it's more credited to maintain liquidity and i...
Ivory place of business candlestick maker
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
floppy hairless shitlib
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
confused shivering address trump supporter
  02/07/14
(cgm)
cruel-hearted legal warrant locale
  02/07/14
What does this look like if you assume 6% returns?
exciting chest-beating nursing home sandwich
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
electric orange hall
  02/08/14
...
sienna appetizing theater stage travel guidebook
  02/17/14
not really. my parents had very little just 20 years ago...
Harsh ceo
  02/08/14
...
sienna appetizing theater stage travel guidebook
  02/10/14
...
Judgmental Ladyboy
  07/08/17
So your telling me that if I make a lot of money ill do well...
twisted crackhouse trust fund
  12/10/14
...
sienna appetizing theater stage travel guidebook
  05/14/14
...
sienna appetizing theater stage travel guidebook
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
motley green people who are hurt shrine
  12/10/14
...
sienna appetizing theater stage travel guidebook
  12/10/14
...
sienna appetizing theater stage travel guidebook
  02/13/15
this is retarded. for most of us, that would have meant soc...
coral brunch
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
Aromatic toaster
  02/13/15
...
sienna appetizing theater stage travel guidebook
  02/13/15
we're in a bubble right now, so all of those figures are bul...
coral brunch
  02/13/15
...
sienna appetizing theater stage travel guidebook
  02/13/15
A year later after bitching in this thread, I have fucking $...
floppy hairless shitlib
  02/13/15
...
sienna appetizing theater stage travel guidebook
  02/13/15
What has your APR been?
plum aphrodisiac newt casino
  02/13/15
how much money did you have in cash on the sidelines from th...
fragrant nighttime rehab
  02/13/15
...
sienna appetizing theater stage travel guidebook
  12/29/15
...
sienna appetizing theater stage travel guidebook
  04/18/16
I remember a teacher showing us this kind of chart back arou...
umber quadroon
  04/18/16
wise move
Citrine contagious pisswyrm party of the first part
  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.
Slap-happy boiling water mad cow disease
  04/18/16
...
sienna appetizing theater stage travel guidebook
  04/18/16
This is false and assumes one continues working a cookie-cut...
Harsh ceo
  04/18/16
just do >10% growth every year. worked for bernie madoff
rambunctious orchestra pit
  04/18/16
This bort is retarded.
painfully honest multi-colored liquid oxygen
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
Spectacular house
  04/18/16
...
sienna appetizing theater stage travel guidebook
  04/18/16
you pointed it out above several times, and each time you go...
Spectacular house
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
Dun den
  04/18/16
The real reason this chart is dumb is because of inflation. ...
Maize awkward boistinker
  04/18/16
...
sienna appetizing theater stage travel guidebook
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
Maize awkward boistinker
  04/18/16
...
sienna appetizing theater stage travel guidebook
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
Startling site
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
adulterous step-uncle's house preventive strike
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
Exhilarant carnelian set
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
free-loading irradiated garrison gay wizard
  02/20/17
I agree generally that returns will be lower. But if you ask...
Exhilarant carnelian set
  02/20/17
saving for retirement is flame. just slide and let do
Gaped rigpig cuck
  04/18/16
cr
Spectacular house
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
vibrant dead parlor famous landscape painting
  09/29/16
...
sienna appetizing theater stage travel guidebook
  09/29/16
How do they get 10% retune every year
Lilac Submissive Fortuitous Meteor Useless Brakes
  09/29/16
noob investor question, but isn't this idea kind of self per...
Thriller nowag idiot
  09/29/16
Student loan interest exceeds most investment returns so tha...
motley green people who are hurt shrine
  09/29/16
...
Thriller nowag idiot
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
Titillating giraffe
  02/20/17
...
Titillating giraffe
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
Brilliant school deer antler
  07/08/17
COMPOUND INT--*nuke melts face*
Wonderful obsidian office factory reset button
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
outnumbered chestnut halford private investor
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
Wonderful obsidian office factory reset button
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
outnumbered chestnut halford private investor
  07/08/17
(Not a rental property owner)
Glittery Sable Black Woman Menage
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
Lime gaming laptop
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
Titillating giraffe
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
outnumbered chestnut halford private investor
  07/08/17
now show me the table for $300K at 8% in student loans
dashing point mother
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
charismatic stag film
  07/08/17
...
vibrant dead parlor famous landscape painting
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
dashing point mother
  07/08/17
data entry
Judgmental Ladyboy
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
dashing point mother
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
Judgmental Ladyboy
  07/08/17
CR
vibrant dead parlor famous landscape painting
  07/08/17
Admin assistant
vibrant dead parlor famous landscape painting
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
dashing point mother
  07/08/17
According to the chart all you need to invest is like 2k a y...
vibrant dead parlor famous landscape painting
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
Concupiscible sadistic range corn cake
  07/08/17
things barzini knew and did that you did not for $200, alex
Unholy comical senate
  07/09/17
I think a much more sure bet is Social Security taxes being ...
Disrespectful At-the-ready Station
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
Concupiscible sadistic range corn cake
  07/08/17
Investment compounding is the single biggest scam the inve...
electric orange hall
  07/09/17
...
gold underhanded trailer park roommate
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
Lascivious copper chapel faggot firefighter
  08/23/17
...
sienna appetizing theater stage travel guidebook
  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: sienna appetizing theater stage travel guidebook

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: orchid rough-skinned ape french chef

(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: Vivacious bawdyhouse messiness
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: Fishy Indirect Expression Church Building

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: tantric aquamarine degenerate



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: Gay curious scourge upon the earth

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: cocky sanctuary keepsake machete

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: floppy hairless shitlib

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: Cracking Space

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: sienna appetizing theater stage travel guidebook



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Beady-eyed fanboi meetinghouse

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: 180 indian lodge

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: Beady-eyed fanboi meetinghouse

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: light mentally impaired genital piercing market



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: histrionic pink prole location



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: Alcoholic Adventurous Codepig



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: Beady-eyed fanboi meetinghouse



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: Frozen Nibblets



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: Alcoholic Adventurous Codepig



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: sienna appetizing theater stage travel guidebook



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Beady-eyed fanboi meetinghouse

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: sienna appetizing theater stage travel guidebook



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Beady-eyed fanboi meetinghouse

(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: Beady-eyed fanboi meetinghouse

(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: Beady-eyed fanboi meetinghouse

(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: Glittery Sable Black Woman Menage

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: painfully honest multi-colored liquid oxygen

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: sienna appetizing theater stage travel guidebook



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: Glittery Sable Black Woman Menage

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: Glittery Sable Black Woman Menage



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: Glittery Sable Black Woman Menage

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: Soul-stirring stubborn stage marketing idea



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: Glittery Sable Black Woman Menage

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: bateful alpha psychic

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: sienna appetizing theater stage travel guidebook



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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: Glittery Sable Black Woman Menage

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: painfully honest multi-colored liquid oxygen

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: Glittery Sable Black Woman Menage

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: Razzle-dazzle spot athletic conference

(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: mustard insane principal's office

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: sienna appetizing theater stage travel guidebook



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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: Glittery Sable Black Woman Menage

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: Cerise Provocative University

(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: Razzle field

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: Red elastic band

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: Beady-eyed fanboi meetinghouse



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



Reply Favorite

Date: February 20th, 2017 8:38 AM
Author: painfully honest multi-colored liquid oxygen



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: laughsome pit multi-billionaire



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: Lascivious copper chapel faggot firefighter



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Aqua reading party really tough guy

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: sienna appetizing theater stage travel guidebook



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Aqua reading party really tough guy

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: sienna appetizing theater stage travel guidebook



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: Aqua reading party really tough guy

?

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: sienna appetizing theater stage travel guidebook



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Aqua reading party really tough guy

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: sienna appetizing theater stage travel guidebook



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



Reply Favorite

Date: February 7th, 2014 4:13 PM
Author: Aqua reading party really tough guy

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: sienna appetizing theater stage travel guidebook



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



Reply Favorite

Date: February 7th, 2014 4:35 PM
Author: 180 indian lodge

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: sienna appetizing theater stage travel guidebook



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



Reply Favorite

Date: July 9th, 2017 11:26 AM
Author: Sapphire Lodge

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: pontificating slippery knife library

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: floppy hairless shitlib

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: Fishy Indirect Expression Church Building

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: floppy hairless shitlib

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: Fishy Indirect Expression Church Building

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

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



Reply Favorite

Date: February 7th, 2014 3:39 PM
Author: floppy hairless shitlib

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: Fishy Indirect Expression Church Building

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: floppy hairless shitlib

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: Fishy Indirect Expression Church Building

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: floppy hairless shitlib

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: Peach legend stead

(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: mahogany stirring church

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: sienna appetizing theater stage travel guidebook



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Fishy Indirect Expression Church Building

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: Aromatic toaster



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: Ultramarine Bisexual Foreskin



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: vibrant dead parlor famous landscape painting



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: floppy hairless shitlib

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: Fishy Indirect Expression Church Building

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: floppy hairless shitlib

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: Aqua reading party really tough guy

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: floppy hairless shitlib

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: iridescent native chad

$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: stimulating carmine institution

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: supple hilarious regret circlehead

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: sienna appetizing theater stage travel guidebook



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: supple hilarious regret circlehead

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: Beady-eyed fanboi meetinghouse

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: Unholy comical senate



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



Reply Favorite

Date: February 7th, 2014 4:01 PM
Author: confused shivering address trump supporter

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: house-broken violent dog poop



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



Reply Favorite

Date: February 7th, 2014 4:08 PM
Author: federal base

*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: confused shivering address trump supporter

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: Transparent theater

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: Transparent theater

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: Lime gaming laptop

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: bonkers poppy main people

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: house-broken violent dog poop

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: metal brethren

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: Ivory place of business candlestick maker

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: floppy hairless shitlib

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: confused shivering address trump supporter

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: cruel-hearted legal warrant locale

(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: exciting chest-beating nursing home sandwich

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: electric orange hall

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: sienna appetizing theater stage travel guidebook



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: Harsh ceo

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: sienna appetizing theater stage travel guidebook



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: Judgmental Ladyboy



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: twisted crackhouse trust fund

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: sienna appetizing theater stage travel guidebook



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: sienna appetizing theater stage travel guidebook



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: motley green people who are hurt shrine

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: sienna appetizing theater stage travel guidebook



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: sienna appetizing theater stage travel guidebook



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: coral brunch

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: Aromatic toaster

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: sienna appetizing theater stage travel guidebook



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: coral brunch

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: sienna appetizing theater stage travel guidebook



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: floppy hairless shitlib

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: sienna appetizing theater stage travel guidebook



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



Reply Favorite

Date: February 13th, 2015 5:53 PM
Author: plum aphrodisiac newt casino

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: fragrant nighttime rehab

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: sienna appetizing theater stage travel guidebook



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



Reply Favorite

Date: April 18th, 2016 7:18 AM
Author: sienna appetizing theater stage travel guidebook



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



Reply Favorite

Date: April 18th, 2016 7:47 AM
Author: umber quadroon

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: Citrine contagious pisswyrm party of the first part

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: Slap-happy boiling water mad cow disease

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: sienna appetizing theater stage travel guidebook



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



Reply Favorite

Date: April 18th, 2016 7:50 AM
Author: Harsh ceo

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: rambunctious orchestra pit

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: painfully honest multi-colored liquid oxygen

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: Spectacular house

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: sienna appetizing theater stage travel guidebook



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



Reply Favorite

Date: April 18th, 2016 10:04 AM
Author: Spectacular house

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: Dun den

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: Maize awkward boistinker

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: sienna appetizing theater stage travel guidebook



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



Reply Favorite

Date: April 18th, 2016 9:50 AM
Author: Maize awkward boistinker

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: sienna appetizing theater stage travel guidebook



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



Reply Favorite

Date: July 8th, 2017 11:01 AM
Author: Startling site

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: adulterous step-uncle's house preventive strike

*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: Exhilarant carnelian set

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: free-loading irradiated garrison gay wizard

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: Exhilarant carnelian set

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: Gaped rigpig cuck

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: Spectacular house

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: vibrant dead parlor famous landscape painting

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: sienna appetizing theater stage travel guidebook



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



Reply Favorite

Date: September 29th, 2016 1:21 PM
Author: Lilac Submissive Fortuitous Meteor Useless Brakes

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: Thriller nowag idiot

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)



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Date: September 29th, 2016 2:12 PM
Author: motley green people who are hurt shrine

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: Thriller nowag idiot



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



Reply Favorite

Date: February 20th, 2017 8:11 AM
Author: Titillating giraffe

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: Titillating giraffe



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



Reply Favorite

Date: July 8th, 2017 9:40 AM
Author: Brilliant school deer antler

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: Wonderful obsidian office factory reset button

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: outnumbered chestnut halford private investor

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: Wonderful obsidian office factory reset button

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: outnumbered chestnut halford private investor

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: Glittery Sable Black Woman Menage

(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: Lime gaming laptop

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: Titillating giraffe

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: outnumbered chestnut halford private investor

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: dashing point mother

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: charismatic stag film

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: vibrant dead parlor famous landscape painting



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



Reply Favorite

Date: July 8th, 2017 12:30 PM
Author: dashing point mother

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: Judgmental Ladyboy

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: dashing point mother

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: Judgmental Ladyboy

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: vibrant dead parlor famous landscape painting

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: vibrant dead parlor famous landscape painting

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: dashing point mother

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: vibrant dead parlor famous landscape painting

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: Concupiscible sadistic range corn cake

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: Unholy comical senate

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: Disrespectful At-the-ready Station

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: Concupiscible sadistic range corn cake

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: electric orange hall

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: gold underhanded trailer park roommate



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



Reply Favorite

Date: August 23rd, 2017 11:19 AM
Author: Lascivious copper chapel faggot firefighter

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: sienna appetizing theater stage travel guidebook



(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)