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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...
Cream university
  02/07/14
(Dave Ramsey)
mind-boggling factory reset button
  12/10/14
Germany bull
Blue Multi-colored Becky Doctorate
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
exciting crusty office partner
  02/07/14
...
Erotic embarrassed to the bone police squad
  02/08/14
yep
gold zippy shrine blood rage
  02/07/14
what is the apr on this
Spectacular iridescent brunch
  02/07/14
12% lol.
angry appetizing roast beef
  02/07/14
fucking boomers
low-t native
  02/07/14
...
may his bones be crushed
  04/13/26
...
Cream university
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
Razzle hell sandwich
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
supple stage
  02/07/14
180
Razzle hell sandwich
  02/07/14
...
magenta theatre
  02/08/14
...
Comical onyx step-uncle's house potus
  02/13/15
...
Transparent Hateful Plaza Jewess
  04/18/16
...
Razzle hell sandwich
  02/20/17
...
up-to-no-good base gay wizard
  02/20/17
...
Transparent Hateful Plaza Jewess
  07/08/17
...
Cream university
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
Razzle hell sandwich
  02/07/14
...
Cream university
  02/07/14
(guy who recently watched The Secret)
Razzle hell sandwich
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
Razzle hell sandwich
  02/07/14
(Boomer in 2006 buying third investment property)
Razzle hell sandwich
  02/07/14
this will not occur over the next 40 years
Light alcoholic twinkling uncleanness
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
cobalt casino roommate
  02/07/14
...
Cream university
  02/07/14
Compare the demographics, foreign competition, and regulator...
Light alcoholic twinkling uncleanness
  12/10/14
...
Light alcoholic twinkling uncleanness
  04/18/16
A true genius
Light alcoholic twinkling uncleanness
  09/29/16
...
talented idiotic forum cuckold
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
Light alcoholic twinkling uncleanness
  04/18/16
Just do assume 12% returns for 45 years
tripping lodge pisswyrm
  02/07/14
...
Cream university
  02/07/14
CR incredibly retarded
Light alcoholic twinkling uncleanness
  02/07/14
It doesn't change regardless of rate.
cobalt casino roommate
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
Light alcoholic twinkling uncleanness
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
beady-eyed lemon fanboi
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
Coiffed Judgmental Center Messiness
  02/07/14
...
Cream university
  02/07/14
this will not be the case for the next 50 years
Light alcoholic twinkling uncleanness
  02/07/14
(Suze Orman after a few too many glasses of wine)
Laughsome chest-beating sanctuary degenerate
  02/07/14
lol'd
exhilarant half-breed menage
  04/18/16
haha
Boyish well-lubricated place of business kitty cat
  09/29/16
...
Razzle hell sandwich
  02/20/17
...
cobalt casino roommate
  02/20/17
...
Jet-lagged unholy box office gaping
  02/20/17
...
Concupiscible spot
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
Godawful Aggressive Church Building
  02/07/14
...
Cream university
  02/07/14
Not if returns were negative when/in the years immediately f...
Godawful Aggressive Church Building
  02/07/14
...
Cream university
  02/07/14
? All the hypo supposes is that you start investing in yo...
Godawful Aggressive Church Building
  02/07/14
...
Cream university
  02/07/14
YOUR personal rate of return is different from the market's ...
Godawful Aggressive Church Building
  02/07/14
...
Cream university
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
Godawful Aggressive Church Building
  02/07/14
...
Cream university
  02/07/14
you realize that to obtain the returns you stated above, one...
supple stage
  02/07/14
...
Cream university
  02/07/14
jfc why does she write shit like this
Motley shimmering trump supporter
  07/09/17
This is true for everything ever.
Silver Blathering Stag Film Mad Cow Disease
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
angry appetizing roast beef
  02/07/14
U r 36? LOLOL
exciting crusty office partner
  02/07/14
34 but I put more money than $2000 per year in there.
angry appetizing roast beef
  02/07/14
Damen. How does it feel to be literally half done with life?
exciting crusty office partner
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
angry appetizing roast beef
  02/07/14
Goal retirement age??
exciting crusty office partner
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
angry appetizing roast beef
  02/07/14
Any family pressure to get married??
exciting crusty office partner
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
angry appetizing roast beef
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
Irradiated shivering hissy fit
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
Pungent galvanic gaming laptop
  02/07/14
...
Cream university
  02/07/14
Doctors are done here
exciting crusty office partner
  02/07/14
...
dark dilemma toaster
  02/13/15
...
Bisexual Maroon Corner
  02/20/17
...
Haunting Thriller Regret
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
angry appetizing roast beef
  02/07/14
What were u doing at 22?
exciting crusty office partner
  02/07/14
crappy consulting firm do municipal bond analysis.
angry appetizing roast beef
  02/07/14
you should've gone into finance, instead. you'd have a milli...
Godawful Aggressive Church Building
  02/07/14
I was too lazy in college, but yeah would have been a good i...
angry appetizing roast beef
  02/07/14
$38k was a decent starting salary in 1995...?
Misanthropic house stain
  02/08/14
my gf doesn't even have a credit card. she's 24
slap-happy property sweet tailpipe
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
curious vengeful mental disorder
  02/07/14
...
Cream university
  02/07/14
yes arthur is fucked, ben pwns him
curious vengeful mental disorder
  02/07/14
Twist: Arthur was swimming in student loan debt
Razzle hell sandwich
  02/07/14
...
house-broken sadistic mood wrinkle
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
maize diverse striped hyena
  02/07/14
...
Arousing frozen principal's office jap
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
Lascivious Church
  02/07/14
True, the idea that investing early is a good idea sure didn...
maize diverse striped hyena
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
narrow-minded floppy liquid oxygen clown
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
narrow-minded floppy liquid oxygen clown
  07/08/17
Right. The person who started investing earlier is still in ...
Swashbuckling insanely creepy rehab
  07/09/17
I think the more interesting hypo is a guy who starts invest...
Bull headed dun school queen of the night
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
Arousing frozen principal's office jap
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
Odious Fighting Gunner
  02/07/14
I still think it's more credited to maintain liquidity and i...
ruby seedy pit coldplay fan
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
angry appetizing roast beef
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
maize diverse striped hyena
  02/07/14
(cgm)
aquamarine razzle-dazzle incel electric furnace
  02/07/14
What does this look like if you assume 6% returns?
Anal cordovan library mediation
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
fantasy-prone quadroon
  02/08/14
...
Cream university
  02/17/14
not really. my parents had very little just 20 years ago...
Cruel-hearted Filthpig Set
  02/08/14
...
Cream university
  02/10/14
...
Poppy mentally impaired main people national security agency
  07/08/17
So your telling me that if I make a lot of money ill do well...
provocative indian lodge skinny woman
  12/10/14
...
Cream university
  05/14/14
...
Cream university
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
Olive hairraiser stead
  12/10/14
...
Cream university
  12/10/14
...
Cream university
  02/13/15
this is retarded. for most of us, that would have meant soc...
Confused Electric Tanning Salon
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
dark dilemma toaster
  02/13/15
...
Cream university
  02/13/15
we're in a bubble right now, so all of those figures are bul...
Confused Electric Tanning Salon
  02/13/15
...
Cream university
  02/13/15
A year later after bitching in this thread, I have fucking $...
angry appetizing roast beef
  02/13/15
...
Cream university
  02/13/15
What has your APR been?
Autistic topaz station
  02/13/15
how much money did you have in cash on the sidelines from th...
Effete sexy parlour affirmative action
  02/13/15
...
Cream university
  12/29/15
...
Cream university
  04/18/16
I remember a teacher showing us this kind of chart back arou...
puce address associate
  04/18/16
wise move
citrine patrolman psychic
  04/18/16
I brought up shit like fees and realistic rates and the guy ...
may his bones be crushed
  04/13/26
Too late now. Might as well YOLO out of control.
thirsty bright deer antler coffee pot
  04/18/16
...
Cream university
  04/18/16
This is false and assumes one continues working a cookie-cut...
Cruel-hearted Filthpig Set
  04/18/16
just do >10% growth every year. worked for bernie madoff
Excitant scarlet state
  04/18/16
This bort is retarded.
cobalt casino roommate
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
stimulating honey-headed hall persian
  04/18/16
...
Cream university
  04/18/16
you pointed it out above several times, and each time you go...
stimulating honey-headed hall persian
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
aphrodisiac piazza
  04/18/16
The real reason this chart is dumb is because of inflation. ...
Emerald locale
  04/18/16
...
Cream university
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
Emerald locale
  04/18/16
...
Cream university
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
180 national crotch
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
snowy zombie-like heaven
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
orange old irish cottage
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
stirring painfully honest puppy
  02/20/17
I agree generally that returns will be lower. But if you ask...
orange old irish cottage
  02/20/17
saving for retirement is flame. just slide and let do
bespoke brethren orchestra pit
  04/18/16
cr
stimulating honey-headed hall persian
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
Haunting Thriller Regret
  09/29/16
...
Cream university
  09/29/16
How do they get 10% retune every year
Fuchsia pistol
  09/29/16
noob investor question, but isn't this idea kind of self per...
Vigorous candlestick maker
  09/29/16
Student loan interest exceeds most investment returns so tha...
Olive hairraiser stead
  09/29/16
...
Vigorous candlestick maker
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
Charismatic lavender community account
  02/20/17
...
Charismatic lavender community account
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
Dashing very tactful location karate
  07/08/17
COMPOUND INT--*nuke melts face*
carnelian telephone trust fund
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
Glittery Range
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
carnelian telephone trust fund
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
Glittery Range
  07/08/17
(Not a rental property owner)
Light alcoholic twinkling uncleanness
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
Swashbuckling insanely creepy rehab
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
Charismatic lavender community account
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
Glittery Range
  07/08/17
now show me the table for $300K at 8% in student loans
cerise den
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
filthy nubile senate
  07/08/17
...
Haunting Thriller Regret
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
cerise den
  07/08/17
data entry
Poppy mentally impaired main people national security agency
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
cerise den
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
Poppy mentally impaired main people national security agency
  07/08/17
CR
Haunting Thriller Regret
  07/08/17
Admin assistant
Haunting Thriller Regret
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
cerise den
  07/08/17
According to the chart all you need to invest is like 2k a y...
Haunting Thriller Regret
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
Impressive home
  07/08/17
things barzini knew and did that you did not for $200, alex
house-broken sadistic mood wrinkle
  07/09/17
I think a much more sure bet is Social Security taxes being ...
Beta Nowag Site
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
Impressive home
  07/08/17
Investment compounding is the single biggest scam the inve...
fantasy-prone quadroon
  07/09/17
...
Submissive aromatic boltzmann
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
Concupiscible spot
  08/23/17
...
Cream university
  09/15/23
how’d we all do?
add more sirens or I will keep poasting
  04/13/26
Not flame bc of the OP I invested $35k and it’s worth ...
Alison Angel Fan
  04/13/26
...
richard clock
  04/13/26


Poast new message in this thread



Reply Favorite

Date: February 7th, 2014 3:20 PM
Author: Cream university

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

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



Reply Favorite

Date: December 10th, 2014 4:58 PM
Author: mind-boggling factory reset button

(Dave Ramsey)

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



Reply Favorite

Date: September 15th, 2023 12:25 PM
Author: Blue Multi-colored Becky Doctorate
Subject: Germany bull

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

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#46800798)



Reply Favorite

Date: April 13th, 2026 1:58 PM
Author: richard clock



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: exciting crusty office partner

Brb transferring money to my roth

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



Reply Favorite

Date: February 8th, 2014 10:44 AM
Author: Erotic embarrassed to the bone police squad



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: gold zippy shrine blood rage

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: Spectacular iridescent brunch

what is the apr on this

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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: angry appetizing roast beef

12% lol.

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



Reply Favorite

Date: February 7th, 2014 3:25 PM
Author: low-t native

fucking boomers

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#24973898)



Reply Favorite

Date: April 13th, 2026 1:57 PM
Author: may his bones be crushed



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



Reply Favorite

Date: February 7th, 2014 3:28 PM
Author: Cream university



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Razzle hell sandwich

So for the next 50 years the US Economy will be as prosperous as the last 50?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#24973943)



Reply Favorite

Date: February 7th, 2014 3:34 PM
Author: supple stage

haven't you read the disclaimer at the bottom of every mutual fund or etf prospectus? it says past returns predict future results.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#24973956)



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: Razzle hell sandwich

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: magenta theatre



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: Comical onyx step-uncle's house potus



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: Transparent Hateful Plaza Jewess



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: Razzle hell sandwich



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: up-to-no-good base gay wizard



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: Transparent Hateful Plaza Jewess



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: Cream university



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



Reply Favorite

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

Change your 10 year window to 1999 to 2009, you'd be down almost 20 percent.

United States 1950-2001 was an absolute powerhouse, I do not expect the same domination for the next 50 years, not of that magnitude.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#24974015)



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: Cream university



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Razzle hell sandwich

(guy who recently watched The Secret)

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



Reply Favorite

Date: February 7th, 2014 3:56 PM
Author: Razzle hell sandwich

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

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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: Razzle hell sandwich

(Boomer in 2006 buying third investment property)

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



Reply Favorite

Date: February 7th, 2014 3:59 PM
Author: Light alcoholic twinkling uncleanness

this will not occur over the next 40 years

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



Reply Favorite

Date: February 7th, 2014 4:36 PM
Author: cobalt casino roommate

So annual returns are declining by 1-2 percent per year in your timescale? Got it.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#24974300)



Reply Favorite

Date: February 7th, 2014 4:40 PM
Author: Cream university



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: Light alcoholic twinkling uncleanness

Compare the demographics, foreign competition, and regulatory burden at those times vs the next 40 years.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#26902473)



Reply Favorite

Date: April 18th, 2016 9:12 AM
Author: Light alcoholic twinkling uncleanness



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: Light alcoholic twinkling uncleanness

A true genius

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



Reply Favorite

Date: April 18th, 2016 7:41 AM
Author: talented idiotic forum cuckold



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: Light alcoholic twinkling uncleanness

Holy shit, I always thought you were a dumb shitlib, but you actually are a very low IQ moron.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#30296264)



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: tripping lodge pisswyrm

Just do assume 12% returns for 45 years

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



Reply Favorite

Date: February 7th, 2014 3:29 PM
Author: Cream university



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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: Light alcoholic twinkling uncleanness

CR incredibly retarded

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



Reply Favorite

Date: April 18th, 2016 8:57 AM
Author: cobalt casino roommate

It doesn't change regardless of rate.

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



Reply Favorite

Date: April 18th, 2016 9:13 AM
Author: Light alcoholic twinkling uncleanness

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

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#30296270)



Reply Favorite

Date: April 13th, 2026 1:59 PM
Author: may his bones be crushed



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



Reply Favorite

Date: February 20th, 2017 9:25 AM
Author: beady-eyed lemon fanboi

(finance genius)

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#32660234)



Reply Favorite

Date: April 13th, 2026 1:50 PM
Author: Goyvin Jewsom

So far so good

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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Coiffed Judgmental Center Messiness

That's a pretty cool investment that goes up 10% every year. What's it called?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#24973885)



Reply Favorite

Date: February 7th, 2014 3:29 PM
Author: Cream university



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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: Light alcoholic twinkling uncleanness

this will not be the case for the next 50 years



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Laughsome chest-beating sanctuary degenerate

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

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



Reply Favorite

Date: April 18th, 2016 9:35 AM
Author: exhilarant half-breed menage

lol'd

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



Reply Favorite

Date: September 29th, 2016 10:24 AM
Author: Boyish well-lubricated place of business kitty cat

haha

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



Reply Favorite

Date: February 20th, 2017 1:49 AM
Author: Razzle hell sandwich



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



Reply Favorite

Date: February 20th, 2017 8:38 AM
Author: cobalt casino roommate



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: Jet-lagged unholy box office gaping



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: Concupiscible spot



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Godawful Aggressive Church Building

Jesus, stfup. No, you're not fucked if you don't begin investing by 21, though it is certainly advantageous.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#24973892)



Reply Favorite

Date: February 7th, 2014 3:30 PM
Author: Cream university



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Godawful Aggressive Church Building

Not if returns were negative when/in the years immediately following when you started --i.e.-- a 22 yo in 2008 starting his 401K right as the stock market tanked. This also isn't true if you compensate by saving/investing more later.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#24973941)



Reply Favorite

Date: February 7th, 2014 3:36 PM
Author: Cream university



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: Godawful Aggressive Church Building

?

All the hypo supposes is that you start investing in your early 20s. The "miracle of compounding" is thanks to markets, which obviously fluctuate dramatically and do not offer consistent returns/

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#24973993)



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Cream university



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Godawful Aggressive Church Building

YOUR personal rate of return is different from the market's average rate of return, based on a variety of factors, such as the precise timing/market direction of when you first began investing.



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#24974038)



Reply Favorite

Date: February 7th, 2014 3:49 PM
Author: Cream university



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



Reply Favorite

Date: February 7th, 2014 4:13 PM
Author: Godawful Aggressive Church Building

False.

Here's a 5-year example:

Joe invests $1000 in 2002. The market grows 10% each year. In 2007, he thus has about $1600 after 5 years.

Jim invests in 2008. The market drops 38%. He's down to $620.

It increases 18% in 2009, so he's now up to $731.60. In 2010 it increases 11%, bringing him up to about $810. In 2011, he sees a 7% increase, so he's now at 867. He's up 5% in 2012, bringing him up to about $910.

Joe is thus up 60% in 5 years; Jim DOWN nearly 10%.

There was no difference except for when they began investing.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#24974177)



Reply Favorite

Date: February 7th, 2014 4:33 PM
Author: Cream university



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



Reply Favorite

Date: February 7th, 2014 4:35 PM
Author: supple stage

you realize that to obtain the returns you stated above, one must invest on a particular day and no other day?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#24974293)



Reply Favorite

Date: February 7th, 2014 4:41 PM
Author: Cream university



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



Reply Favorite

Date: July 9th, 2017 11:26 AM
Author: Motley shimmering trump supporter

jfc why does she write shit like this

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



Reply Favorite

Date: September 29th, 2016 2:14 PM
Author: Silver Blathering Stag Film Mad Cow Disease

This is true for everything ever.

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



Reply Favorite

Date: February 7th, 2014 3:25 PM
Author: angry appetizing roast beef

why doesnt the roth I started at 20 and stopped contributing to at 27 have $90K in it?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#24973900)



Reply Favorite

Date: February 7th, 2014 3:30 PM
Author: exciting crusty office partner

U r 36? LOLOL

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



Reply Favorite

Date: February 7th, 2014 3:31 PM
Author: angry appetizing roast beef

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

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



Reply Favorite

Date: February 7th, 2014 3:36 PM
Author: exciting crusty office partner

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

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



Reply Favorite

Date: February 7th, 2014 3:39 PM
Author: angry appetizing roast beef

it sucks but I have stayed in shape and fucked enough women where I wont have any regrets on that end at least.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#24973988)



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: exciting crusty office partner

Goal retirement age??

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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: angry appetizing roast beef

depends if I have kids and the house. Then probably 62-65.

If not then I might yolo and move to the philipines or some shit at 50 with a couple of million.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#24974009)



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: exciting crusty office partner

Any family pressure to get married??

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



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: angry appetizing roast beef

nah but I love my gf. I would probably marry her kids or not.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#24974030)



Reply Favorite

Date: April 13th, 2026 2:00 PM
Author: may his bones be crushed

I'm 56 now

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#49814674)



Reply Favorite

Date: February 7th, 2014 3:32 PM
Author: Irradiated shivering hissy fit

(39-year-old, MAF troll)

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



Reply Favorite

Date: February 7th, 2014 3:38 PM
Author: Pungent galvanic gaming laptop

I didn't start saving til I got a job at 24. Should I killself?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#24973984)



Reply Favorite

Date: February 7th, 2014 3:39 PM
Author: Cream university



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: exciting crusty office partner

Doctors are done here

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



Reply Favorite

Date: February 13th, 2015 5:32 PM
Author: dark dilemma toaster



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: Bisexual Maroon Corner



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: Haunting Thriller Regret



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: angry appetizing roast beef

And this is why I want to strangle the shrews I have dated.

At least my gf has a 401K that she contributes up to the match limit.

But she is 29 years old and this is her first year of contributing to a roth.

WOmen are fucking children.

"But I make 1/4 of what you do" she clucks.

"Except when I was 22 making $38,000 I still maxed out my roth," I lisp back.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#24974025)



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: exciting crusty office partner

What were u doing at 22?

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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: angry appetizing roast beef

crappy consulting firm do municipal bond analysis.

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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: Godawful Aggressive Church Building

you should've gone into finance, instead. you'd have a millie by now.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#24974087)



Reply Favorite

Date: February 7th, 2014 3:59 PM
Author: angry appetizing roast beef

I was too lazy in college, but yeah would have been a good idea.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#24974092)



Reply Favorite

Date: February 8th, 2014 10:36 AM
Author: Misanthropic house stain

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

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



Reply Favorite

Date: April 18th, 2016 9:49 AM
Author: slap-happy property sweet tailpipe

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

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



Reply Favorite

Date: February 7th, 2014 3:48 PM
Author: curious vengeful mental disorder

arthur is a dumbass for only putting in 2000, he should ve maxed out and would ve been fine

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#24974041)



Reply Favorite

Date: February 7th, 2014 3:50 PM
Author: Cream university



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: curious vengeful mental disorder

yes arthur is fucked, ben pwns him

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



Reply Favorite

Date: February 7th, 2014 3:51 PM
Author: Razzle hell sandwich

Twist: Arthur was swimming in student loan debt

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



Reply Favorite

Date: February 13th, 2015 5:46 PM
Author: house-broken sadistic mood wrinkle



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



Reply Favorite

Date: February 7th, 2014 4:01 PM
Author: maize diverse striped hyena

These assumptions that ignore inflation and assume 10%+ real returns are asinine. The S&P returned something like 5% real over the last century.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#24974098)



Reply Favorite

Date: February 8th, 2014 8:23 PM
Author: Arousing frozen principal's office jap



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



Reply Favorite

Date: February 7th, 2014 4:08 PM
Author: Lascivious Church

*Is guy 1*

*Invests from 2001-2008*

*Is PWND*

*Is guy 2*

*Begins investing in 2008*

*PROFITS*

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#24974133)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: maize diverse striped hyena

True, the idea that investing early is a good idea sure didn't apply to anybody who started investing 15 years ago. Would've been better off spending the money / having fun.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#24974151)



Reply Favorite

Date: September 29th, 2016 1:14 PM
Author: narrow-minded floppy liquid oxygen clown

Why not, the market corrected in the next 10 years. Its only a losing bet if you need to retire during one of the down turns.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#31521424)



Reply Favorite

Date: July 8th, 2017 10:02 AM
Author: narrow-minded floppy liquid oxygen clown

this is what idiots don't realize. crashes don't matter except for old people. and by the time you're old, you should be easing out of the market.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#33727706)



Reply Favorite

Date: July 9th, 2017 10:45 AM
Author: Swashbuckling insanely creepy rehab

Right. The person who started investing earlier is still in a better position than the person who spent it all.

I started investing seriously in 2006 or so, and sure, I got hammered in the couple of years following that. But after the crash I still had something (didn't sell) and it's since recovered. That portion of my savings wouldn't exist if I hadn't saved it early.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#33734072)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: Bull headed dun school queen of the night

I think the more interesting hypo is a guy who starts investing later but contributes more

Dude waiting until 27 probably was in grad school or something

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#24974146)



Reply Favorite

Date: February 8th, 2014 8:23 PM
Author: Arousing frozen principal's office jap

that's more realistic even if he wasn't in grad school, because of inflation.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#24980361)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: Odious Fighting Gunner

Just do graduate in 2006 and invest at the peak of the stock market.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#24974148)



Reply Favorite

Date: February 7th, 2014 4:11 PM
Author: ruby seedy pit coldplay fan

I still think it's more credited to maintain liquidity and invest in a future business than to put money into the market, assuming you can't do both and assuming you're under 35.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#24974156)



Reply Favorite

Date: February 7th, 2014 4:15 PM
Author: angry appetizing roast beef

Why the fuck does my roth IRA only have $35,000 in it? I maxed out from 22-27.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#24974195)



Reply Favorite

Date: February 7th, 2014 4:38 PM
Author: maize diverse striped hyena

I feel your pain. I've got like $41K. At least I can backdoor so it'll be $47K soon.

The real way I could see myself getting a big Roth IRA would be to get axed from law, and then start converting $30K or so a year from my 401k during a number of years with little to no income.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#24974306)



Reply Favorite

Date: February 7th, 2014 4:58 PM
Author: aquamarine razzle-dazzle incel electric furnace

(cgm)

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



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: Anal cordovan library mediation

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

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



Reply Favorite

Date: February 8th, 2014 10:51 AM
Author: fantasy-prone quadroon

this is true.. i put away $1k in 1990, it's now worth $800k

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#24977600)



Reply Favorite

Date: February 17th, 2014 11:13 AM
Author: Cream university



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: Cruel-hearted Filthpig Set

not really.

my parents had very little just 20 years ago and now have a $3-4 million net worth. just make sure you get on a career path that is pretty lucrative and you'll be fine even if you don't save a penny until the age of 35-40.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#24977623)



Reply Favorite

Date: February 10th, 2014 2:32 PM
Author: Cream university



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: Poppy mentally impaired main people national security agency



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: provocative indian lodge skinny woman

So your telling me that if I make a lot of money ill do well financially? Why aren't you charging for this insight?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#26902507)



Reply Favorite

Date: May 14th, 2014 9:23 AM
Author: Cream university



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: Cream university



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: Olive hairraiser stead

The 19 bro isn't doubling the 27 year old bro or anything. You can still beat the average early starter by just putting way more money in. Most people who start investing at 19 only have chump change to put in.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#26902483)



Reply Favorite

Date: December 10th, 2014 5:10 PM
Author: Cream university



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: Cream university



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: Confused Electric Tanning Salon

this is retarded. for most of us, that would have meant socking away money into the stock market during the mid- to late-2000s. the gain from the time period to now has only been like 2% per year on average

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#27309317)



Reply Favorite

Date: February 13th, 2015 5:35 PM
Author: dark dilemma toaster

damn u r old. i started making money in 09. wish i saved a lot more. would have been rolling in it

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#27309326)



Reply Favorite

Date: February 13th, 2015 5:36 PM
Author: Cream university



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: Confused Electric Tanning Salon

we're in a bubble right now, so all of those figures are bullshit

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#27309354)



Reply Favorite

Date: February 13th, 2015 5:50 PM
Author: Cream university



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: angry appetizing roast beef

A year later after bitching in this thread, I have fucking $37,500 in the Roth IRA I started when I was 21. Bullshit magical 12% compounding.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#27309399)



Reply Favorite

Date: February 13th, 2015 5:52 PM
Author: Cream university



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



Reply Favorite

Date: February 13th, 2015 5:53 PM
Author: Autistic topaz station

What has your APR been?

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



Reply Favorite

Date: February 13th, 2015 6:18 PM
Author: Effete sexy parlour affirmative action

how much money did you have in cash on the sidelines from the last 6 year bull market?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#27309632)



Reply Favorite

Date: December 29th, 2015 1:41 PM
Author: Cream university



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



Reply Favorite

Date: April 18th, 2016 7:18 AM
Author: Cream university



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



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Date: April 18th, 2016 7:47 AM
Author: puce address associate

I remember a teacher showing us this kind of chart back around 1996 and I just ignored it.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#30296076)



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Date: April 18th, 2016 8:17 AM
Author: citrine patrolman psychic

wise move

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



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Date: April 13th, 2026 2:07 PM
Author: may his bones be crushed

I brought up shit like fees and realistic rates and the guy just looked at me like I was speaking Brazilian

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



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Date: April 18th, 2016 7:49 AM
Author: thirsty bright deer antler coffee pot

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

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



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Date: April 18th, 2016 9:40 AM
Author: Cream university



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



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Date: April 18th, 2016 7:50 AM
Author: Cruel-hearted Filthpig Set

This is false and assumes one continues working a cookie-cutter job with 3% annual pay-raise their entire working life.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#30296082)



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Date: April 18th, 2016 8:51 AM
Author: Excitant scarlet state

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

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



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Date: April 18th, 2016 8:57 AM
Author: cobalt casino roommate

This bort is retarded.

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



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Date: April 18th, 2016 9:04 AM
Author: stimulating honey-headed hall persian

Chart assumes consistently abnormal YOY returns, as pointed out ad nauseum above

There's a reason this "phenomenon" is common knowledge and yet remarkably few people seem to benefit from it to the extent promised.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#30296237)



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Date: April 18th, 2016 9:41 AM
Author: Cream university



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



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Date: April 18th, 2016 10:04 AM
Author: stimulating honey-headed hall persian

you pointed it out above several times, and each time you got subsequently pwned in short order

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#30296421)



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Date: April 18th, 2016 9:20 AM
Author: aphrodisiac piazza

http://imgur.com/gnMx2MX

Literally did this. So I'm set 4 life?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#30296292)



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Date: April 18th, 2016 9:20 AM
Author: Emerald locale

The real reason this chart is dumb is because of inflation. You're comparing 2,000 dollars someone put in at 19 to 2,000 someone out in 46 years later and acting like it's the same thing

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#30296293)



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Date: April 18th, 2016 9:45 AM
Author: Cream university



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



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Date: April 18th, 2016 9:50 AM
Author: Emerald locale

You can't say 16,000 vs 80,000 lolz and not see how that's a stupid comparison

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#30296396)



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Date: April 18th, 2016 10:02 AM
Author: Cream university



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



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Date: July 8th, 2017 11:01 AM
Author: 180 national crotch

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

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



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Date: September 15th, 2023 11:41 AM
Author: snowy zombie-like heaven

*assumes 3% inflation*

*fade in cannibal holocaust theme*

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



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Date: April 18th, 2016 9:24 AM
Author: orange old irish cottage

Yea 10 percent is retarded, but the gist of the argument is right. Early investments have a bigger bang for their buck when it's said and done. Invest as much as you can, as early as you can, in a low cost index. Profit (when you are old as fuck).

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#30296303)



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Date: February 20th, 2017 3:10 AM
Author: stirring painfully honest puppy

no shit but we;'re going to see HISTORICALLY low returns from this pt out, we ARE SO FUCKITY FUCKED

401K = SCAMs

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#32659870)



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Date: February 20th, 2017 7:57 AM
Author: orange old irish cottage

I agree generally that returns will be lower. But if you asked me in 08 if we were fucked I'd say yes - and the market has gone crazy since then. I thought trump would lead to a market correction, and yet we have the trump rally.

Don't be a boomer, save your money.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#32660046)



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Date: April 18th, 2016 9:57 AM
Author: bespoke brethren orchestra pit

saving for retirement is flame. just slide and let do

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



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Date: April 18th, 2016 10:04 AM
Author: stimulating honey-headed hall persian

cr

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



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Date: September 29th, 2016 10:24 AM
Author: Haunting Thriller Regret

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

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



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Date: September 29th, 2016 10:03 AM
Author: Cream university



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



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Date: September 29th, 2016 1:21 PM
Author: Fuchsia pistol

How do they get 10% retune every year

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



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Date: September 29th, 2016 2:04 PM
Author: Vigorous candlestick maker

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

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

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



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Date: September 29th, 2016 2:12 PM
Author: Olive hairraiser stead

Student loan interest exceeds most investment returns so that should be priority #1 if you have it.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#31521840)



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Date: September 29th, 2016 4:48 PM
Author: Vigorous candlestick maker



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



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Date: February 20th, 2017 8:11 AM
Author: Charismatic lavender community account

lol at dorks ITT bobbing and weaving desperately not wanting this to be true. The annual return in the example may be at the high end of the range but the overall argument is cr.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#32660068)



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Date: July 8th, 2017 9:32 AM
Author: Charismatic lavender community account



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



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Date: July 8th, 2017 9:40 AM
Author: Dashing very tactful location karate

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

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



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Date: July 8th, 2017 9:46 AM
Author: carnelian telephone trust fund

COMPOUND INT--*nuke melts face*

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



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Date: July 8th, 2017 9:50 AM
Author: Glittery Range

Lol at everyone wagecucking there lives away for GC to save money they can't touch for 30-40 years and repeating the advice like brainwashed apes

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#33727671)



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Date: July 8th, 2017 9:52 AM
Author: carnelian telephone trust fund

I find my rent seeking behavior is paying off better. Just a few homes and I'm making 4K extra every month with rarely having to lift a finger.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#33727675)



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Date: July 8th, 2017 9:54 AM
Author: Glittery Range

20k liquid and 10k+ per month in passive income >>>>>>>>>>>>>>>> GC cucking the best years of your life to build a fraudlies "tax deferred" portfolio and get gaped on taxes at retirement

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#33727681)



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Date: July 8th, 2017 10:16 AM
Author: Light alcoholic twinkling uncleanness

(Not a rental property owner)

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



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Date: July 9th, 2017 11:14 AM
Author: Swashbuckling insanely creepy rehab

Future is impossible to predict. Best call is to diversify.

I fully fund the Roth IRA each year (future tax advantage), fund the 401k enough to capture the match and then some (current tax advantage) and also have a few rental houses which cash flow decently now and will be paid off by retirement (inflation hedge plus tax advantage for the next couple of decades).

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#33734178)



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Date: July 8th, 2017 10:05 AM
Author: Charismatic lavender community account

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

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



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Date: July 8th, 2017 10:06 AM
Author: Glittery Range

Naw man my 30s have been 180 billion. Still young and free but fuckloads of money instead of broke

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#33727719)



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Date: July 8th, 2017 12:06 PM
Author: cerise den

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

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



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Date: July 8th, 2017 12:13 PM
Author: filthy nubile senate

imagine if you lived at home and worked at a 40k a year job from 19-25 or 26. invested it all. then went to college. you'd have it made. no one tells you this

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#33728056)



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Date: July 8th, 2017 12:28 PM
Author: Haunting Thriller Regret



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



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Date: July 8th, 2017 12:30 PM
Author: cerise den

lol, what $40K per year job do you think a 19 year old with a high school diploma can get?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#33728113)



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Date: July 8th, 2017 12:32 PM
Author: Poppy mentally impaired main people national security agency

data entry

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



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Date: July 8th, 2017 12:46 PM
Author: cerise den

link to $40K data entry job that a 19 year old with a high school degree and no experience is qualified for?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#33728151)



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Date: July 8th, 2017 1:03 PM
Author: Poppy mentally impaired main people national security agency

I made about 30k as a bus boy when i was 16 working part time. 40k fulltime gig would be easy to swing.. even if through 2 part time jobs at restaurants etc

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#33728219)



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Date: July 8th, 2017 1:04 PM
Author: Haunting Thriller Regret

CR

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



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Date: July 8th, 2017 12:32 PM
Author: Haunting Thriller Regret

Admin assistant

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



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Date: July 8th, 2017 12:45 PM
Author: cerise den

lol what? first, no one is going to hire a no-experience 19 year old admin assistant when there are 10 and 20 year veterans applying for the same job. second, those jobs pay like $26K.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#33728148)



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Date: July 8th, 2017 12:57 PM
Author: Haunting Thriller Regret

According to the chart all you need to invest is like 2k a year and you're pretty much set for retirement...just get ANY fucking job until age 26

go be a front desk person/work as receptionist

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#33728193)



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Date: July 8th, 2017 1:26 PM
Author: Impressive home

cr chart is totally what happens IRL just stuff away 10k in stock at 18 = million$$$

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#33728308)



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Date: July 9th, 2017 11:10 AM
Author: house-broken sadistic mood wrinkle

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

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



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Date: July 8th, 2017 12:45 PM
Author: Beta Nowag Site

I think a much more sure bet is Social Security taxes being raised to shore up the program, so I'll just YOLO out and rely on that.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#33728150)



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Date: July 8th, 2017 1:27 PM
Author: Impressive home

My 3k in savings from govt job at 23 is now worth 5k. Holy fuck I'm gonna be rich!!!!!

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#33728311)



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Date: July 9th, 2017 11:21 AM
Author: fantasy-prone quadroon

Investment compounding is the single biggest scam the investment/retirement community uses to grab your money.

The Future value investment analysis assumes a guaranteed return with zero draw-down. The overall markets (S%P), and less than 1% of stocks follow the interest rate return curve.

The market curve more closely follows the short-memory timespan which is roughty 10 years for each new generation (87, 00, 09, ...next?)



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#33734215)



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Date: August 22nd, 2017 7:26 PM
Author: Submissive aromatic boltzmann



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



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Date: August 23rd, 2017 11:19 AM
Author: Concupiscible spot

Just use a 20% return the first 8 years and use 1% return the next 50 years bro.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#34051890)



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Date: September 15th, 2023 11:28 AM
Author: Cream university



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



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

how’d we all do?

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



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Date: April 13th, 2026 1:55 PM
Author: Alison Angel Fan

Not flame bc of the OP I invested $35k and it’s worth 6 million now

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2",#49814655)



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Date: April 13th, 2026 1:58 PM
Author: richard clock



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