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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...
crusty institution prole
  02/07/14
(Dave Ramsey)
Chartreuse Naked Senate Crotch
  12/10/14
Germany bull
Opaque chapel
  09/15/23
...
charismatic bawdyhouse roommate
  04/13/26
Brb transferring money to my roth
Nighttime hell
  02/07/14
...
Ebony excitant forum
  02/08/14
yep
abnormal vibrant field love of her life
  02/07/14
what is the apr on this
henna bbw
  02/07/14
12% lol.
indigo address elastic band
  02/07/14
fucking boomers
arrogant faggot firefighter
  02/07/14
...
fragrant lime philosopher-king
  04/13/26
...
crusty institution prole
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
poppy patrolman
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
Diverse National Hairy Legs
  02/07/14
180
poppy patrolman
  02/07/14
...
appetizing ape personal credit line
  02/08/14
...
maize fluffy spot friendly grandma
  02/13/15
...
ocher potus foreskin
  04/18/16
...
poppy patrolman
  02/20/17
...
lascivious zippy school cafeteria
  02/20/17
...
ocher potus foreskin
  07/08/17
...
crusty institution prole
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
poppy patrolman
  02/07/14
...
crusty institution prole
  02/07/14
(guy who recently watched The Secret)
poppy patrolman
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
poppy patrolman
  02/07/14
(Boomer in 2006 buying third investment property)
poppy patrolman
  02/07/14
this will not occur over the next 40 years
Trip associate lodge
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
pontificating contagious mad-dog skullcap
  02/07/14
...
crusty institution prole
  02/07/14
Compare the demographics, foreign competition, and regulator...
Trip associate lodge
  12/10/14
...
Trip associate lodge
  04/18/16
A true genius
Trip associate lodge
  09/29/16
...
Slap-happy Area
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
Trip associate lodge
  04/18/16
Just do assume 12% returns for 45 years
Fuchsia aphrodisiac church building psychic
  02/07/14
...
crusty institution prole
  02/07/14
CR incredibly retarded
Trip associate lodge
  02/07/14
It doesn't change regardless of rate.
pontificating contagious mad-dog skullcap
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
Trip associate lodge
  04/18/16
...
fragrant lime philosopher-king
  04/13/26
(finance genius)
boyish spruce box office
  02/20/17
So far so good
sadistic kink-friendly hominid boltzmann
  04/13/26
That's a pretty cool investment that goes up 10% every year....
Racy carnelian tank
  02/07/14
...
crusty institution prole
  02/07/14
this will not be the case for the next 50 years
Trip associate lodge
  02/07/14
(Suze Orman after a few too many glasses of wine)
mind-boggling tantric kitty
  02/07/14
lol'd
turquoise frisky corner party of the first part
  04/18/16
haha
Cruel-hearted voyeur
  09/29/16
...
poppy patrolman
  02/20/17
...
pontificating contagious mad-dog skullcap
  02/20/17
...
Topaz Galvanic Macaca Abode
  02/20/17
...
motley center knife
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
bat shit crazy step-uncle's house
  02/07/14
...
crusty institution prole
  02/07/14
Not if returns were negative when/in the years immediately f...
bat shit crazy step-uncle's house
  02/07/14
...
crusty institution prole
  02/07/14
? All the hypo supposes is that you start investing in yo...
bat shit crazy step-uncle's house
  02/07/14
...
crusty institution prole
  02/07/14
YOUR personal rate of return is different from the market's ...
bat shit crazy step-uncle's house
  02/07/14
...
crusty institution prole
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
bat shit crazy step-uncle's house
  02/07/14
...
crusty institution prole
  02/07/14
you realize that to obtain the returns you stated above, one...
Diverse National Hairy Legs
  02/07/14
...
crusty institution prole
  02/07/14
jfc why does she write shit like this
Chestnut Stead
  07/09/17
This is true for everything ever.
Thriller insanely creepy jap station
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
indigo address elastic band
  02/07/14
U r 36? LOLOL
Nighttime hell
  02/07/14
34 but I put more money than $2000 per year in there.
indigo address elastic band
  02/07/14
Damen. How does it feel to be literally half done with life?
Nighttime hell
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
indigo address elastic band
  02/07/14
Goal retirement age??
Nighttime hell
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
indigo address elastic band
  02/07/14
Any family pressure to get married??
Nighttime hell
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
indigo address elastic band
  02/07/14
I'm 56 now
fragrant lime philosopher-king
  04/13/26
(39-year-old, MAF troll)
spectacular buff temple
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
Hyperventilating angry nowag
  02/07/14
...
crusty institution prole
  02/07/14
Doctors are done here
Nighttime hell
  02/07/14
...
Cordovan very tactful lay shitlib
  02/13/15
...
laughsome pocket flask
  02/20/17
...
swollen wagecucks
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
indigo address elastic band
  02/07/14
What were u doing at 22?
Nighttime hell
  02/07/14
crappy consulting firm do municipal bond analysis.
indigo address elastic band
  02/07/14
you should've gone into finance, instead. you'd have a milli...
bat shit crazy step-uncle's house
  02/07/14
I was too lazy in college, but yeah would have been a good i...
indigo address elastic band
  02/07/14
$38k was a decent starting salary in 1995...?
provocative headpube
  02/08/14
my gf doesn't even have a credit card. she's 24
Wine indian lodge
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
Coral impertinent reading party dilemma
  02/07/14
...
crusty institution prole
  02/07/14
yes arthur is fucked, ben pwns him
Coral impertinent reading party dilemma
  02/07/14
Twist: Arthur was swimming in student loan debt
poppy patrolman
  02/07/14
...
Swashbuckling casino circlehead
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
adventurous autistic old irish cottage toilet seat
  02/07/14
...
Mint exciting trailer park
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
soggy partner legal warrant
  02/07/14
True, the idea that investing early is a good idea sure didn...
adventurous autistic old irish cottage toilet seat
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
180 resort
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
180 resort
  07/08/17
Right. The person who started investing earlier is still in ...
cracking know-it-all liquid oxygen
  07/09/17
I think the more interesting hypo is a guy who starts invest...
hideous vigorous half-breed
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
Mint exciting trailer park
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
irradiated juggernaut idiot
  02/07/14
I still think it's more credited to maintain liquidity and i...
pearly tanning salon persian
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
indigo address elastic band
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
adventurous autistic old irish cottage toilet seat
  02/07/14
(cgm)
Startling preventive strike nibblets
  02/07/14
What does this look like if you assume 6% returns?
carmine cumskin office
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
Aquamarine goyim
  02/08/14
...
crusty institution prole
  02/17/14
not really. my parents had very little just 20 years ago...
Thirsty Police Squad
  02/08/14
...
crusty institution prole
  02/10/14
...
Green comical university
  07/08/17
So your telling me that if I make a lot of money ill do well...
beta cerise fortuitous meteor
  12/10/14
...
crusty institution prole
  05/14/14
...
crusty institution prole
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
hairraiser water buffalo
  12/10/14
...
crusty institution prole
  12/10/14
...
crusty institution prole
  02/13/15
this is retarded. for most of us, that would have meant soc...
Self-absorbed New Version
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
Cordovan very tactful lay shitlib
  02/13/15
...
crusty institution prole
  02/13/15
we're in a bubble right now, so all of those figures are bul...
Self-absorbed New Version
  02/13/15
...
crusty institution prole
  02/13/15
A year later after bitching in this thread, I have fucking $...
indigo address elastic band
  02/13/15
...
crusty institution prole
  02/13/15
What has your APR been?
Exhilarant Dopamine
  02/13/15
how much money did you have in cash on the sidelines from th...
slate base
  02/13/15
...
crusty institution prole
  12/29/15
...
crusty institution prole
  04/18/16
I remember a teacher showing us this kind of chart back arou...
Razzle crackhouse
  04/18/16
wise move
Arousing Bistre Set Feces
  04/18/16
I brought up shit like fees and realistic rates and the guy ...
fragrant lime philosopher-king
  04/13/26
Too late now. Might as well YOLO out of control.
Bronze Electric Dragon
  04/18/16
...
crusty institution prole
  04/18/16
This is false and assumes one continues working a cookie-cut...
Thirsty Police Squad
  04/18/16
just do >10% growth every year. worked for bernie madoff
Alcoholic bateful quadroon
  04/18/16
This bort is retarded.
pontificating contagious mad-dog skullcap
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
Odious bossy garrison son of senegal
  04/18/16
...
crusty institution prole
  04/18/16
you pointed it out above several times, and each time you go...
Odious bossy garrison son of senegal
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
Rose antidepressant drug space
  04/18/16
The real reason this chart is dumb is because of inflation. ...
bipolar demanding athletic conference parlour
  04/18/16
...
crusty institution prole
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
bipolar demanding athletic conference parlour
  04/18/16
...
crusty institution prole
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
twinkling generalized bond
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
Doobsian Copper Heaven
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
stirring cream roast beef
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
aromatic jewess black woman
  02/20/17
I agree generally that returns will be lower. But if you ask...
stirring cream roast beef
  02/20/17
saving for retirement is flame. just slide and let do
Coiffed Haunted Graveyard
  04/18/16
cr
Odious bossy garrison son of senegal
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
swollen wagecucks
  09/29/16
...
crusty institution prole
  09/29/16
How do they get 10% retune every year
Floppy Kitchen Halford
  09/29/16
noob investor question, but isn't this idea kind of self per...
Ungodly idea he suggested
  09/29/16
Student loan interest exceeds most investment returns so tha...
hairraiser water buffalo
  09/29/16
...
Ungodly idea he suggested
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
milky concupiscible chad sound barrier
  02/20/17
...
milky concupiscible chad sound barrier
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
Cerebral bonkers weed whacker
  07/08/17
COMPOUND INT--*nuke melts face*
fragrant lime philosopher-king
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
wonderful hateful cruise ship multi-billionaire
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
fragrant lime philosopher-king
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
wonderful hateful cruise ship multi-billionaire
  07/08/17
(Not a rental property owner)
Trip associate lodge
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
cracking know-it-all liquid oxygen
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
milky concupiscible chad sound barrier
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
wonderful hateful cruise ship multi-billionaire
  07/08/17
now show me the table for $300K at 8% in student loans
violet becky whorehouse
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
Pale Razzmatazz Immigrant
  07/08/17
...
swollen wagecucks
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
violet becky whorehouse
  07/08/17
data entry
Green comical university
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
violet becky whorehouse
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
Green comical university
  07/08/17
CR
swollen wagecucks
  07/08/17
Admin assistant
swollen wagecucks
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
violet becky whorehouse
  07/08/17
According to the chart all you need to invest is like 2k a y...
swollen wagecucks
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
Ruddy yapping home boistinker
  07/08/17
things barzini knew and did that you did not for $200, alex
Swashbuckling casino circlehead
  07/09/17
I think a much more sure bet is Social Security taxes being ...
Vivacious brass telephone theater stage
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
Ruddy yapping home boistinker
  07/08/17
Investment compounding is the single biggest scam the inve...
Aquamarine goyim
  07/09/17
...
Glittery Ladyboy
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
motley center knife
  08/23/17
...
crusty institution prole
  09/15/23
how’d we all do?
milky concupiscible chad sound barrier
  04/13/26
Not flame bc of the OP I invested $35k and it’s worth ...
marvelous white newt mexican
  04/13/26
...
charismatic bawdyhouse roommate
  04/13/26


Poast new message in this thread



Reply Favorite

Date: February 7th, 2014 3:20 PM
Author: crusty institution prole

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: Chartreuse Naked Senate Crotch

(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: Opaque chapel
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: charismatic bawdyhouse roommate



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: Nighttime hell

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: Ebony excitant forum



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: abnormal vibrant field love of her life

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: henna bbw

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: indigo address elastic band

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: arrogant faggot firefighter

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: fragrant lime philosopher-king



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



Reply Favorite

Date: February 7th, 2014 3:28 PM
Author: crusty institution prole



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: poppy patrolman

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: Diverse National Hairy Legs

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: poppy patrolman

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: appetizing ape personal credit line



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: maize fluffy spot friendly grandma



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: ocher potus foreskin



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: poppy patrolman



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: lascivious zippy school cafeteria



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: ocher potus foreskin



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: crusty institution prole



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: poppy patrolman

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: crusty institution prole



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: poppy patrolman

(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: poppy patrolman

(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: poppy patrolman

(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: Trip associate lodge

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: pontificating contagious mad-dog skullcap

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: crusty institution prole



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: Trip associate lodge

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: Trip associate lodge



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: Trip associate lodge

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: Slap-happy Area



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: Trip associate lodge

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: Fuchsia aphrodisiac church building 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: crusty institution prole



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



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Date: February 7th, 2014 3:54 PM
Author: Trip associate lodge

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: pontificating contagious mad-dog skullcap

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: Trip associate lodge

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: fragrant lime philosopher-king



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



Reply Favorite

Date: February 20th, 2017 9:25 AM
Author: boyish spruce box office

(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: sadistic kink-friendly hominid boltzmann

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: Racy carnelian tank

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: crusty institution prole



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



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Date: February 7th, 2014 3:58 PM
Author: Trip associate lodge

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: mind-boggling tantric kitty

(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: turquoise frisky corner party of the first part

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: Cruel-hearted voyeur

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: poppy patrolman



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



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Date: February 20th, 2017 8:38 AM
Author: pontificating contagious mad-dog skullcap



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: Topaz Galvanic Macaca Abode



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: motley center knife



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



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Date: February 7th, 2014 3:23 PM
Author: bat shit crazy step-uncle's house

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: crusty institution prole



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



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Date: February 7th, 2014 3:33 PM
Author: bat shit crazy step-uncle's house

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: crusty institution prole



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: bat shit crazy step-uncle's house

?

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: crusty institution prole



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: bat shit crazy step-uncle's house

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: crusty institution prole



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



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Date: February 7th, 2014 4:13 PM
Author: bat shit crazy step-uncle's house

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: crusty institution prole



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



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Date: February 7th, 2014 4:35 PM
Author: Diverse National Hairy Legs

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: crusty institution prole



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



Reply Favorite

Date: July 9th, 2017 11:26 AM
Author: Chestnut Stead

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: Thriller insanely creepy jap station

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: indigo address elastic band

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: Nighttime hell

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: indigo address elastic band

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: Nighttime hell

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: indigo address elastic band

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: Nighttime hell

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: indigo address elastic band

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: Nighttime hell

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: indigo address elastic band

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: fragrant lime philosopher-king

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: spectacular buff temple

(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: Hyperventilating angry nowag

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: crusty institution prole



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Nighttime hell

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: Cordovan very tactful lay shitlib



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: laughsome pocket flask



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: swollen wagecucks



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: indigo address elastic band

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: Nighttime hell

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: indigo address elastic band

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: bat shit crazy step-uncle's house

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: indigo address elastic band

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: provocative headpube

$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: Wine indian lodge

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: Coral impertinent reading party dilemma

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: crusty institution prole



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: Coral impertinent reading party dilemma

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: poppy patrolman

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: Swashbuckling casino circlehead



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



Reply Favorite

Date: February 7th, 2014 4:01 PM
Author: adventurous autistic old irish cottage toilet seat

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: Mint exciting trailer park



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



Reply Favorite

Date: February 7th, 2014 4:08 PM
Author: soggy partner legal warrant

*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: adventurous autistic old irish cottage toilet seat

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: 180 resort

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: 180 resort

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: cracking know-it-all liquid oxygen

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: hideous vigorous half-breed

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: Mint exciting trailer park

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: irradiated juggernaut idiot

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: pearly tanning salon persian

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: indigo address elastic band

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: adventurous autistic old irish cottage toilet seat

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: Startling preventive strike nibblets

(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: carmine cumskin office

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: Aquamarine goyim

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: crusty institution prole



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: Thirsty Police Squad

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: crusty institution prole



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: Green comical university



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: beta cerise fortuitous meteor

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: crusty institution prole



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: crusty institution prole



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: hairraiser water buffalo

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: crusty institution prole



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: crusty institution prole



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: Self-absorbed New Version

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: Cordovan very tactful lay shitlib

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: crusty institution prole



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: Self-absorbed New Version

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: crusty institution prole



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: indigo address elastic band

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)



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Date: February 13th, 2015 5:52 PM
Author: crusty institution prole



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



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Date: February 13th, 2015 5:53 PM
Author: Exhilarant Dopamine

What has your APR been?

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



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Date: February 13th, 2015 6:18 PM
Author: slate base

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)



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Date: December 29th, 2015 1:41 PM
Author: crusty institution prole



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



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Date: April 18th, 2016 7:18 AM
Author: crusty institution prole



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



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Date: April 18th, 2016 7:47 AM
Author: Razzle crackhouse

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)



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Date: April 18th, 2016 8:17 AM
Author: Arousing Bistre Set Feces

wise move

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



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Date: April 13th, 2026 2:07 PM
Author: fragrant lime philosopher-king

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)



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Date: April 18th, 2016 7:49 AM
Author: Bronze Electric Dragon

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

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



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Date: April 18th, 2016 9:40 AM
Author: crusty institution prole



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



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Date: April 18th, 2016 7:50 AM
Author: Thirsty Police Squad

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)



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Date: April 18th, 2016 8:51 AM
Author: Alcoholic bateful quadroon

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

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



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Date: April 18th, 2016 8:57 AM
Author: pontificating contagious mad-dog skullcap

This bort is retarded.

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



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Date: April 18th, 2016 9:04 AM
Author: Odious bossy garrison son of senegal

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)



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Date: April 18th, 2016 9:41 AM
Author: crusty institution prole



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



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Date: April 18th, 2016 10:04 AM
Author: Odious bossy garrison son of senegal

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)



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Date: April 18th, 2016 9:20 AM
Author: Rose antidepressant drug space

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)



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Date: April 18th, 2016 9:20 AM
Author: bipolar demanding athletic conference parlour

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)



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Date: April 18th, 2016 9:45 AM
Author: crusty institution prole



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



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Date: April 18th, 2016 9:50 AM
Author: bipolar demanding athletic conference parlour

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)



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Date: April 18th, 2016 10:02 AM
Author: crusty institution prole



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



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Date: July 8th, 2017 11:01 AM
Author: twinkling generalized bond

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)



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Date: September 15th, 2023 11:41 AM
Author: Doobsian Copper Heaven

*assumes 3% inflation*

*fade in cannibal holocaust theme*

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



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Date: April 18th, 2016 9:24 AM
Author: stirring cream roast beef

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)



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Date: February 20th, 2017 3:10 AM
Author: aromatic jewess black woman

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)



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Date: February 20th, 2017 7:57 AM
Author: stirring cream roast beef

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)



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Date: April 18th, 2016 9:57 AM
Author: Coiffed Haunted Graveyard

saving for retirement is flame. just slide and let do

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



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Date: April 18th, 2016 10:04 AM
Author: Odious bossy garrison son of senegal

cr

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



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Date: September 29th, 2016 10:24 AM
Author: swollen wagecucks

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

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



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Date: September 29th, 2016 10:03 AM
Author: crusty institution prole



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



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Date: September 29th, 2016 1:21 PM
Author: Floppy Kitchen Halford

How do they get 10% retune every year

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



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Date: September 29th, 2016 2:04 PM
Author: Ungodly idea he suggested

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: hairraiser water buffalo

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)



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Date: September 29th, 2016 4:48 PM
Author: Ungodly idea he suggested



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



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Date: February 20th, 2017 8:11 AM
Author: milky concupiscible chad sound barrier

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)



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Date: July 8th, 2017 9:32 AM
Author: milky concupiscible chad sound barrier



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



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Date: July 8th, 2017 9:40 AM
Author: Cerebral bonkers weed whacker

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)



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Date: July 8th, 2017 9:46 AM
Author: fragrant lime philosopher-king

COMPOUND INT--*nuke melts face*

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



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Date: July 8th, 2017 9:50 AM
Author: wonderful hateful cruise ship multi-billionaire

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)



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Date: July 8th, 2017 9:52 AM
Author: fragrant lime philosopher-king

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)



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Date: July 8th, 2017 9:54 AM
Author: wonderful hateful cruise ship multi-billionaire

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)



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Date: July 8th, 2017 10:16 AM
Author: Trip associate lodge

(Not a rental property owner)

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



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Date: July 9th, 2017 11:14 AM
Author: cracking know-it-all liquid oxygen

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)



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Date: July 8th, 2017 10:05 AM
Author: milky concupiscible chad sound barrier

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)



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Date: July 8th, 2017 10:06 AM
Author: wonderful hateful cruise ship multi-billionaire

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)



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Date: July 8th, 2017 12:06 PM
Author: violet becky whorehouse

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)



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Date: July 8th, 2017 12:13 PM
Author: Pale Razzmatazz Immigrant

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)



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Date: July 8th, 2017 12:28 PM
Author: swollen wagecucks



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



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Date: July 8th, 2017 12:30 PM
Author: violet becky whorehouse

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)



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Date: July 8th, 2017 12:32 PM
Author: Green comical university

data entry

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



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Date: July 8th, 2017 12:46 PM
Author: violet becky whorehouse

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)



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Date: July 8th, 2017 1:03 PM
Author: Green comical university

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)



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Date: July 8th, 2017 1:04 PM
Author: swollen wagecucks

CR

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



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Date: July 8th, 2017 12:32 PM
Author: swollen wagecucks

Admin assistant

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



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Date: July 8th, 2017 12:45 PM
Author: violet becky whorehouse

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)



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Date: July 8th, 2017 12:57 PM
Author: swollen wagecucks

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)



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Date: July 8th, 2017 1:26 PM
Author: Ruddy yapping home boistinker

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)



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Date: July 9th, 2017 11:10 AM
Author: Swashbuckling casino circlehead

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)



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Date: July 8th, 2017 12:45 PM
Author: Vivacious brass telephone theater stage

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)



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Date: July 8th, 2017 1:27 PM
Author: Ruddy yapping home boistinker

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)



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Date: July 9th, 2017 11:21 AM
Author: Aquamarine goyim

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)



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Date: August 22nd, 2017 7:26 PM
Author: Glittery Ladyboy



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



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Date: August 23rd, 2017 11:19 AM
Author: motley center knife

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)



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Date: September 15th, 2023 11:28 AM
Author: crusty institution prole



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



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Date: April 13th, 2026 1:45 PM
Author: milky concupiscible chad sound barrier

how’d we all do?

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



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Date: April 13th, 2026 1:55 PM
Author: marvelous white newt mexican

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)



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Date: April 13th, 2026 1:58 PM
Author: charismatic bawdyhouse roommate



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