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

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

https://i.pinimg.com/736x/2e/d6/5d/2ed65d34dbac86519947d298d...
Talented fluffy useless brakes
  02/07/14
(Dave Ramsey)
Sticky slippery tanning salon pisswyrm
  12/10/14
Germany bull
Sable Ungodly Garrison Milk
  09/15/23
...
low-t appetizing parlour mad cow disease
  04/13/26
Brb transferring money to my roth
Silver hateful fortuitous meteor halford
  02/07/14
...
Chartreuse location
  02/08/14
yep
Glittery medicated sex offender jap
  02/07/14
what is the apr on this
navy locale windowlicker
  02/07/14
12% lol.
pale death wish
  02/07/14
fucking boomers
red bawdyhouse wrinkle
  02/07/14
...
charcoal chest-beating area patrolman
  04/13/26
...
Talented fluffy useless brakes
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
electric mahogany alpha boltzmann
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
Stimulating Godawful Azn Doctorate
  02/07/14
180
electric mahogany alpha boltzmann
  02/07/14
...
Light Newt Piazza
  02/08/14
...
Carnelian Center
  02/13/15
...
Motley bat-shit-crazy laser beams school
  04/18/16
...
electric mahogany alpha boltzmann
  02/20/17
...
Milky Outnumbered Stage
  02/20/17
...
Motley bat-shit-crazy laser beams school
  07/08/17
...
Talented fluffy useless brakes
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
electric mahogany alpha boltzmann
  02/07/14
...
Talented fluffy useless brakes
  02/07/14
(guy who recently watched The Secret)
electric mahogany alpha boltzmann
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
electric mahogany alpha boltzmann
  02/07/14
(Boomer in 2006 buying third investment property)
electric mahogany alpha boltzmann
  02/07/14
this will not occur over the next 40 years
beady-eyed zippy legal warrant
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
cyan metal masturbator
  02/07/14
...
Talented fluffy useless brakes
  02/07/14
Compare the demographics, foreign competition, and regulator...
beady-eyed zippy legal warrant
  12/10/14
...
beady-eyed zippy legal warrant
  04/18/16
A true genius
beady-eyed zippy legal warrant
  09/29/16
...
Razzmatazz yarmulke
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
beady-eyed zippy legal warrant
  04/18/16
Just do assume 12% returns for 45 years
Swashbuckling abnormal hell boiling water
  02/07/14
...
Talented fluffy useless brakes
  02/07/14
CR incredibly retarded
beady-eyed zippy legal warrant
  02/07/14
It doesn't change regardless of rate.
cyan metal masturbator
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
beady-eyed zippy legal warrant
  04/18/16
...
charcoal chest-beating area patrolman
  04/13/26
(finance genius)
Copper senate corn cake
  02/20/17
So far so good
stubborn shrine
  04/13/26
That's a pretty cool investment that goes up 10% every year....
Ocher Theater Internal Respiration
  02/07/14
...
Talented fluffy useless brakes
  02/07/14
this will not be the case for the next 50 years
beady-eyed zippy legal warrant
  02/07/14
(Suze Orman after a few too many glasses of wine)
charismatic irate public bath ratface
  02/07/14
lol'd
Curious insane temple
  04/18/16
haha
vigorous orchid international law enforcement agency foreskin
  09/29/16
...
electric mahogany alpha boltzmann
  02/20/17
...
cyan metal masturbator
  02/20/17
...
Onyx cuck
  02/20/17
...
Sapphire stage
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
sienna hilarious queen of the night
  02/07/14
...
Talented fluffy useless brakes
  02/07/14
Not if returns were negative when/in the years immediately f...
sienna hilarious queen of the night
  02/07/14
...
Talented fluffy useless brakes
  02/07/14
? All the hypo supposes is that you start investing in yo...
sienna hilarious queen of the night
  02/07/14
...
Talented fluffy useless brakes
  02/07/14
YOUR personal rate of return is different from the market's ...
sienna hilarious queen of the night
  02/07/14
...
Talented fluffy useless brakes
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
sienna hilarious queen of the night
  02/07/14
...
Talented fluffy useless brakes
  02/07/14
you realize that to obtain the returns you stated above, one...
Stimulating Godawful Azn Doctorate
  02/07/14
...
Talented fluffy useless brakes
  02/07/14
jfc why does she write shit like this
Duck-like chapel regret
  07/09/17
This is true for everything ever.
Turquoise trip nowag base
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
pale death wish
  02/07/14
U r 36? LOLOL
Silver hateful fortuitous meteor halford
  02/07/14
34 but I put more money than $2000 per year in there.
pale death wish
  02/07/14
Damen. How does it feel to be literally half done with life?
Silver hateful fortuitous meteor halford
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
pale death wish
  02/07/14
Goal retirement age??
Silver hateful fortuitous meteor halford
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
pale death wish
  02/07/14
Any family pressure to get married??
Silver hateful fortuitous meteor halford
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
pale death wish
  02/07/14
I'm 56 now
charcoal chest-beating area patrolman
  04/13/26
(39-year-old, MAF troll)
lime national pervert
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
marvelous office
  02/07/14
...
Talented fluffy useless brakes
  02/07/14
Doctors are done here
Silver hateful fortuitous meteor halford
  02/07/14
...
Embarrassed To The Bone Razzle-dazzle Heaven Old Irish Cottage
  02/13/15
...
180 property blood rage
  02/20/17
...
Mewling aromatic hunting ground
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
pale death wish
  02/07/14
What were u doing at 22?
Silver hateful fortuitous meteor halford
  02/07/14
crappy consulting firm do municipal bond analysis.
pale death wish
  02/07/14
you should've gone into finance, instead. you'd have a milli...
sienna hilarious queen of the night
  02/07/14
I was too lazy in college, but yeah would have been a good i...
pale death wish
  02/07/14
$38k was a decent starting salary in 1995...?
chocolate gay wizard
  02/08/14
my gf doesn't even have a credit card. she's 24
dull aphrodisiac psychic
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
Ultramarine Hairraiser Institution
  02/07/14
...
Talented fluffy useless brakes
  02/07/14
yes arthur is fucked, ben pwns him
Ultramarine Hairraiser Institution
  02/07/14
Twist: Arthur was swimming in student loan debt
electric mahogany alpha boltzmann
  02/07/14
...
Avocado hairy legs
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
Underhanded stag film
  02/07/14
...
Comical geriatric gaming laptop church building
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
Purple liquid oxygen
  02/07/14
True, the idea that investing early is a good idea sure didn...
Underhanded stag film
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
territorial locus dysfunction
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
territorial locus dysfunction
  07/08/17
Right. The person who started investing earlier is still in ...
Carmine Out-of-control Quadroon
  07/09/17
I think the more interesting hypo is a guy who starts invest...
racy frozen ticket booth
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
Comical geriatric gaming laptop church building
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
Pea-brained Chestnut Whorehouse Volcanic Crater
  02/07/14
I still think it's more credited to maintain liquidity and i...
spectacular market
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
pale death wish
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
Underhanded stag film
  02/07/14
(cgm)
Vibrant topaz stead
  02/07/14
What does this look like if you assume 6% returns?
Histrionic awkward idea he suggested
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
high-end shitlib
  02/08/14
...
Talented fluffy useless brakes
  02/17/14
not really. my parents had very little just 20 years ago...
Multi-colored Offensive Step-uncle's House
  02/08/14
...
Talented fluffy useless brakes
  02/10/14
...
impressive provocative degenerate resort
  07/08/17
So your telling me that if I make a lot of money ill do well...
rose mind-boggling hissy fit hall
  12/10/14
...
Talented fluffy useless brakes
  05/14/14
...
Talented fluffy useless brakes
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
Pearl school cafeteria
  12/10/14
...
Talented fluffy useless brakes
  12/10/14
...
Talented fluffy useless brakes
  02/13/15
this is retarded. for most of us, that would have meant soc...
Indecent dopamine
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
Embarrassed To The Bone Razzle-dazzle Heaven Old Irish Cottage
  02/13/15
...
Talented fluffy useless brakes
  02/13/15
we're in a bubble right now, so all of those figures are bul...
Indecent dopamine
  02/13/15
...
Talented fluffy useless brakes
  02/13/15
A year later after bitching in this thread, I have fucking $...
pale death wish
  02/13/15
...
Talented fluffy useless brakes
  02/13/15
What has your APR been?
scarlet learning disabled preventive strike police squad
  02/13/15
how much money did you have in cash on the sidelines from th...
Bronze Gaping Prole
  02/13/15
...
Talented fluffy useless brakes
  12/29/15
...
Talented fluffy useless brakes
  04/18/16
I remember a teacher showing us this kind of chart back arou...
lilac potus space
  04/18/16
wise move
pearly exhilarant codepig gas station
  04/18/16
I brought up shit like fees and realistic rates and the guy ...
charcoal chest-beating area patrolman
  04/13/26
Too late now. Might as well YOLO out of control.
green passionate state
  04/18/16
...
Talented fluffy useless brakes
  04/18/16
This is false and assumes one continues working a cookie-cut...
Multi-colored Offensive Step-uncle's House
  04/18/16
just do >10% growth every year. worked for bernie madoff
Sexy cracking native wagecucks
  04/18/16
This bort is retarded.
cyan metal masturbator
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
ebony vivacious turdskin stain
  04/18/16
...
Talented fluffy useless brakes
  04/18/16
you pointed it out above several times, and each time you go...
ebony vivacious turdskin stain
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
slate dashing den
  04/18/16
The real reason this chart is dumb is because of inflation. ...
Costumed lodge
  04/18/16
...
Talented fluffy useless brakes
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
Costumed lodge
  04/18/16
...
Talented fluffy useless brakes
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
Grizzly Big Brethren Fanboi
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
White Orchestra Pit Depressive
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
Apoplectic Bisexual Rehab Immigrant
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
garnet irradiated really tough guy
  02/20/17
I agree generally that returns will be lower. But if you ask...
Apoplectic Bisexual Rehab Immigrant
  02/20/17
saving for retirement is flame. just slide and let do
Anal supple indian lodge
  04/18/16
cr
ebony vivacious turdskin stain
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
Mewling aromatic hunting ground
  09/29/16
...
Talented fluffy useless brakes
  09/29/16
How do they get 10% retune every year
Diverse bearded feces
  09/29/16
noob investor question, but isn't this idea kind of self per...
Opaque slimy pit
  09/29/16
Student loan interest exceeds most investment returns so tha...
Pearl school cafeteria
  09/29/16
...
Opaque slimy pit
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
ivory arousing macaca
  02/20/17
...
ivory arousing macaca
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
maize bearded sanctuary selfie
  07/08/17
COMPOUND INT--*nuke melts face*
charcoal chest-beating area patrolman
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
Internet-worthy kitty principal's office
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
charcoal chest-beating area patrolman
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
Internet-worthy kitty principal's office
  07/08/17
(Not a rental property owner)
beady-eyed zippy legal warrant
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
Carmine Out-of-control Quadroon
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
ivory arousing macaca
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
Internet-worthy kitty principal's office
  07/08/17
now show me the table for $300K at 8% in student loans
contagious salmon crackhouse
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
Amethyst Fiercely-loyal Cruise Ship Dragon
  07/08/17
...
Mewling aromatic hunting ground
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
contagious salmon crackhouse
  07/08/17
data entry
impressive provocative degenerate resort
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
contagious salmon crackhouse
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
impressive provocative degenerate resort
  07/08/17
CR
Mewling aromatic hunting ground
  07/08/17
Admin assistant
Mewling aromatic hunting ground
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
contagious salmon crackhouse
  07/08/17
According to the chart all you need to invest is like 2k a y...
Mewling aromatic hunting ground
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
excitant box office becky
  07/08/17
things barzini knew and did that you did not for $200, alex
Avocado hairy legs
  07/09/17
I think a much more sure bet is Social Security taxes being ...
Misunderstood corner stock car
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
excitant box office becky
  07/08/17
Investment compounding is the single biggest scam the inve...
high-end shitlib
  07/09/17
...
blue rigor round eye
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
Sapphire stage
  08/23/17
...
Talented fluffy useless brakes
  09/15/23
how’d we all do?
ivory arousing macaca
  04/13/26
Not flame bc of the OP I invested $35k and it’s worth ...
Adventurous business firm
  04/13/26
...
low-t appetizing parlour mad cow disease
  04/13/26


Poast new message in this thread



Reply Favorite

Date: February 7th, 2014 3:20 PM
Author: Talented fluffy useless brakes

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: Sticky slippery tanning salon pisswyrm

(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: Sable Ungodly Garrison Milk
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: low-t appetizing parlour mad cow disease



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: Silver hateful fortuitous meteor halford

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: Chartreuse location



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: Glittery medicated sex offender jap

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: navy locale windowlicker

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: pale death wish

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: red bawdyhouse wrinkle

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: charcoal chest-beating area patrolman



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



Reply Favorite

Date: February 7th, 2014 3:28 PM
Author: Talented fluffy useless brakes



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: electric mahogany alpha boltzmann

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: Stimulating Godawful Azn Doctorate

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: electric mahogany alpha boltzmann

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 Newt Piazza



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: Carnelian Center



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: Motley bat-shit-crazy laser beams school



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: electric mahogany alpha boltzmann



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: Milky Outnumbered Stage



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: Motley bat-shit-crazy laser beams school



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: Talented fluffy useless brakes



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: electric mahogany alpha boltzmann

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: Talented fluffy useless brakes



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: electric mahogany alpha boltzmann

(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: electric mahogany alpha boltzmann

(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: electric mahogany alpha boltzmann

(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: beady-eyed zippy legal warrant

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: cyan metal masturbator

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: Talented fluffy useless brakes



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: beady-eyed zippy legal warrant

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: beady-eyed zippy legal warrant



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: beady-eyed zippy legal warrant

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: Razzmatazz yarmulke



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: beady-eyed zippy legal warrant

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: Swashbuckling abnormal hell boiling water

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: Talented fluffy useless brakes



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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: beady-eyed zippy legal warrant

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: cyan metal masturbator

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: beady-eyed zippy legal warrant

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: charcoal chest-beating area patrolman



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



Reply Favorite

Date: February 20th, 2017 9:25 AM
Author: Copper senate corn cake

(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: stubborn shrine

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: Ocher Theater Internal Respiration

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: Talented fluffy useless brakes



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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: beady-eyed zippy legal warrant

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: charismatic irate public bath ratface

(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: Curious insane temple

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: vigorous orchid international law enforcement agency foreskin

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: electric mahogany alpha boltzmann



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



Reply Favorite

Date: February 20th, 2017 8:38 AM
Author: cyan metal masturbator



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: Onyx cuck



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: Sapphire stage



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: sienna hilarious queen of the night

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: Talented fluffy useless brakes



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: sienna hilarious queen of the night

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: Talented fluffy useless brakes



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: sienna hilarious queen of the night

?

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: Talented fluffy useless brakes



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: sienna hilarious queen of the night

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: Talented fluffy useless brakes



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



Reply Favorite

Date: February 7th, 2014 4:13 PM
Author: sienna hilarious queen of the night

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: Talented fluffy useless brakes



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



Reply Favorite

Date: February 7th, 2014 4:35 PM
Author: Stimulating Godawful Azn Doctorate

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: Talented fluffy useless brakes



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



Reply Favorite

Date: July 9th, 2017 11:26 AM
Author: Duck-like chapel regret

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: Turquoise trip nowag base

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: pale death wish

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: Silver hateful fortuitous meteor halford

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: pale death wish

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: Silver hateful fortuitous meteor halford

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: pale death wish

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: Silver hateful fortuitous meteor halford

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: pale death wish

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: Silver hateful fortuitous meteor halford

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: pale death wish

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: charcoal chest-beating area patrolman

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: lime national pervert

(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: marvelous office

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: Talented fluffy useless brakes



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Silver hateful fortuitous meteor halford

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: Embarrassed To The Bone Razzle-dazzle Heaven Old Irish Cottage



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: 180 property blood rage



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: Mewling aromatic hunting ground



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: pale death wish

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: Silver hateful fortuitous meteor halford

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: pale death wish

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: sienna hilarious queen of the night

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: pale death wish

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: chocolate gay wizard

$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: dull aphrodisiac psychic

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: Ultramarine Hairraiser Institution

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: Talented fluffy useless brakes



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: Ultramarine Hairraiser Institution

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: electric mahogany alpha boltzmann

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: Avocado hairy legs



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



Reply Favorite

Date: February 7th, 2014 4:01 PM
Author: Underhanded stag film

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: Comical geriatric gaming laptop church building



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



Reply Favorite

Date: February 7th, 2014 4:08 PM
Author: Purple liquid oxygen

*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: Underhanded stag film

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: territorial locus dysfunction

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: territorial locus dysfunction

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: Carmine Out-of-control Quadroon

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: racy frozen ticket booth

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: Comical geriatric gaming laptop church building

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: Pea-brained Chestnut Whorehouse Volcanic Crater

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: spectacular market

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: pale death wish

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: Underhanded stag film

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: Vibrant topaz stead

(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: Histrionic awkward idea he suggested

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: high-end shitlib

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: Talented fluffy useless brakes



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: Multi-colored Offensive Step-uncle's House

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: Talented fluffy useless brakes



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: impressive provocative degenerate resort



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: rose mind-boggling hissy fit hall

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: Talented fluffy useless brakes



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: Talented fluffy useless brakes



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: Pearl school cafeteria

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: Talented fluffy useless brakes



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: Talented fluffy useless brakes



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: Indecent dopamine

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: Embarrassed To The Bone Razzle-dazzle Heaven Old Irish Cottage

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: Talented fluffy useless brakes



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: Indecent dopamine

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: Talented fluffy useless brakes



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: pale death wish

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: Talented fluffy useless brakes



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



Reply Favorite

Date: February 13th, 2015 5:53 PM
Author: scarlet learning disabled preventive strike police squad

What has your APR been?

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



Reply Favorite

Date: February 13th, 2015 6:18 PM
Author: Bronze Gaping Prole

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: Talented fluffy useless brakes



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



Reply Favorite

Date: April 18th, 2016 7:18 AM
Author: Talented fluffy useless brakes



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



Reply Favorite

Date: April 18th, 2016 7:47 AM
Author: lilac potus space

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: pearly exhilarant codepig gas station

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: charcoal chest-beating area patrolman

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: green passionate state

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: Talented fluffy useless brakes



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



Reply Favorite

Date: April 18th, 2016 7:50 AM
Author: Multi-colored Offensive Step-uncle's House

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: Sexy cracking native wagecucks

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: cyan metal masturbator

This bort is retarded.

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



Reply Favorite

Date: April 18th, 2016 9:04 AM
Author: ebony vivacious turdskin stain

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: Talented fluffy useless brakes



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



Reply Favorite

Date: April 18th, 2016 10:04 AM
Author: ebony vivacious turdskin stain

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: slate dashing 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: Costumed lodge

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: Talented fluffy useless brakes



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



Reply Favorite

Date: April 18th, 2016 9:50 AM
Author: Costumed lodge

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: Talented fluffy useless brakes



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



Reply Favorite

Date: July 8th, 2017 11:01 AM
Author: Grizzly Big Brethren Fanboi

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: White Orchestra Pit Depressive

*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: Apoplectic Bisexual Rehab Immigrant

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: garnet irradiated really tough guy

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: Apoplectic Bisexual Rehab Immigrant

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: Anal supple indian lodge

saving for retirement is flame. just slide and let do

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



Reply Favorite

Date: April 18th, 2016 10:04 AM
Author: ebony vivacious turdskin stain

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: Mewling aromatic hunting ground

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: Talented fluffy useless brakes



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



Reply Favorite

Date: September 29th, 2016 1:21 PM
Author: Diverse bearded feces

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: Opaque slimy pit

noob investor question, but isn't this idea kind of self perpetuating?

Everyone believes in investing in the S&P 500 via mutual funds and index funds -> the market consistently goes up over time because people are always buying (direct deposit into 401k) -> everyone believe in investing in the market.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id.#31521755)



Reply Favorite

Date: September 29th, 2016 2:12 PM
Author: Pearl school cafeteria

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: Opaque slimy pit



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



Reply Favorite

Date: February 20th, 2017 8:11 AM
Author: ivory arousing macaca

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: ivory arousing macaca



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



Reply Favorite

Date: July 8th, 2017 9:40 AM
Author: maize bearded sanctuary selfie

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: charcoal chest-beating area patrolman

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: Internet-worthy kitty principal's office

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: charcoal chest-beating area patrolman

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: Internet-worthy kitty principal's office

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: beady-eyed zippy legal warrant

(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: Carmine Out-of-control Quadroon

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: ivory arousing macaca

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: Internet-worthy kitty principal's office

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: contagious salmon crackhouse

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: Amethyst Fiercely-loyal Cruise Ship Dragon

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: Mewling aromatic hunting ground



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



Reply Favorite

Date: July 8th, 2017 12:30 PM
Author: contagious salmon crackhouse

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: impressive provocative degenerate resort

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: contagious salmon crackhouse

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: impressive provocative degenerate resort

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: Mewling aromatic hunting ground

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: Mewling aromatic hunting ground

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: contagious salmon crackhouse

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: Mewling aromatic hunting ground

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: excitant box office becky

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: Avocado hairy legs

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: Misunderstood corner stock car

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: excitant box office becky

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: high-end shitlib

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: blue rigor round eye



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



Reply Favorite

Date: August 23rd, 2017 11:19 AM
Author: Sapphire stage

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: Talented fluffy useless brakes



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



Reply Favorite

Date: April 13th, 2026 1:45 PM
Author: ivory arousing macaca

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: Adventurous business firm

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: low-t appetizing parlour mad cow disease



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