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

https://i.pinimg.com/736x/2e/d6/5d/2ed65d34dbac86519947d298d...
crusty international law enforcement agency
  02/07/14
(Dave Ramsey)
Stirring corn cake psychic
  12/10/14
Germany bull
Vermilion Base
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
Henna Swollen Queen Of The Night Office
  02/07/14
...
Vigorous Frisky Spot
  02/08/14
yep
soggy hideous sanctuary private investor
  02/07/14
what is the apr on this
Histrionic seedy market
  02/07/14
12% lol.
Galvanic bearded school blood rage
  02/07/14
fucking boomers
rebellious judgmental sweet tailpipe mother
  02/07/14
...
may his bones be crushed
  04/13/26
...
crusty international law enforcement agency
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
Spruce Reading Party Mediation
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
Thriller school cafeteria
  02/07/14
180
Spruce Reading Party Mediation
  02/07/14
...
bonkers federal station mood
  02/08/14
...
beta telephone fat ankles
  02/13/15
...
contagious coldplay fan
  04/18/16
...
Spruce Reading Party Mediation
  02/20/17
...
Poppy Motley Skinny Woman Theater
  02/20/17
...
contagious coldplay fan
  07/08/17
...
crusty international law enforcement agency
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
Spruce Reading Party Mediation
  02/07/14
...
crusty international law enforcement agency
  02/07/14
(guy who recently watched The Secret)
Spruce Reading Party Mediation
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
Spruce Reading Party Mediation
  02/07/14
(Boomer in 2006 buying third investment property)
Spruce Reading Party Mediation
  02/07/14
this will not occur over the next 40 years
soul-stirring cuckoldry shitlib
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
Provocative theater stage faggotry
  02/07/14
...
crusty international law enforcement agency
  02/07/14
Compare the demographics, foreign competition, and regulator...
soul-stirring cuckoldry shitlib
  12/10/14
...
soul-stirring cuckoldry shitlib
  04/18/16
A true genius
soul-stirring cuckoldry shitlib
  09/29/16
...
Chestnut public bath
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
soul-stirring cuckoldry shitlib
  04/18/16
Just do assume 12% returns for 45 years
Copper Exhilarant University
  02/07/14
...
crusty international law enforcement agency
  02/07/14
CR incredibly retarded
soul-stirring cuckoldry shitlib
  02/07/14
It doesn't change regardless of rate.
Provocative theater stage faggotry
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
soul-stirring cuckoldry shitlib
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
gay indirect expression brunch
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
Talented dun jewess
  02/07/14
...
crusty international law enforcement agency
  02/07/14
this will not be the case for the next 50 years
soul-stirring cuckoldry shitlib
  02/07/14
(Suze Orman after a few too many glasses of wine)
Opaque circlehead cuckold
  02/07/14
lol'd
deep unhinged community account
  04/18/16
haha
Alcoholic orange wrinkle nursing home
  09/29/16
...
Spruce Reading Party Mediation
  02/20/17
...
Provocative theater stage faggotry
  02/20/17
...
Vibrant gaming laptop french chef
  02/20/17
...
Frozen Hell Dysfunction
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
Fishy ticket booth
  02/07/14
...
crusty international law enforcement agency
  02/07/14
Not if returns were negative when/in the years immediately f...
Fishy ticket booth
  02/07/14
...
crusty international law enforcement agency
  02/07/14
? All the hypo supposes is that you start investing in yo...
Fishy ticket booth
  02/07/14
...
crusty international law enforcement agency
  02/07/14
YOUR personal rate of return is different from the market's ...
Fishy ticket booth
  02/07/14
...
crusty international law enforcement agency
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
Fishy ticket booth
  02/07/14
...
crusty international law enforcement agency
  02/07/14
you realize that to obtain the returns you stated above, one...
Thriller school cafeteria
  02/07/14
...
crusty international law enforcement agency
  02/07/14
jfc why does she write shit like this
onyx domesticated corner
  07/09/17
This is true for everything ever.
Fear-inspiring Native Roommate
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
Galvanic bearded school blood rage
  02/07/14
U r 36? LOLOL
Henna Swollen Queen Of The Night Office
  02/07/14
34 but I put more money than $2000 per year in there.
Galvanic bearded school blood rage
  02/07/14
Damen. How does it feel to be literally half done with life?
Henna Swollen Queen Of The Night Office
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
Galvanic bearded school blood rage
  02/07/14
Goal retirement age??
Henna Swollen Queen Of The Night Office
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
Galvanic bearded school blood rage
  02/07/14
Any family pressure to get married??
Henna Swollen Queen Of The Night Office
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
Galvanic bearded school blood rage
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
comical cyan stage
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
Floppy Mental Disorder Wagecucks
  02/07/14
...
crusty international law enforcement agency
  02/07/14
Doctors are done here
Henna Swollen Queen Of The Night Office
  02/07/14
...
carnelian flickering pocket flask
  02/13/15
...
Crimson indian lodge
  02/20/17
...
Shivering roast beef scourge upon the earth
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
Galvanic bearded school blood rage
  02/07/14
What were u doing at 22?
Henna Swollen Queen Of The Night Office
  02/07/14
crappy consulting firm do municipal bond analysis.
Galvanic bearded school blood rage
  02/07/14
you should've gone into finance, instead. you'd have a milli...
Fishy ticket booth
  02/07/14
I was too lazy in college, but yeah would have been a good i...
Galvanic bearded school blood rage
  02/07/14
$38k was a decent starting salary in 1995...?
Jade hairraiser temple
  02/08/14
my gf doesn't even have a credit card. she's 24
red area multi-billionaire
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
Primrose Swashbuckling Lodge
  02/07/14
...
crusty international law enforcement agency
  02/07/14
yes arthur is fucked, ben pwns him
Primrose Swashbuckling Lodge
  02/07/14
Twist: Arthur was swimming in student loan debt
Spruce Reading Party Mediation
  02/07/14
...
exciting stage stock car
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
violent spectacular new version theatre
  02/07/14
...
vivacious national security agency garrison
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
heady mustard meetinghouse
  02/07/14
True, the idea that investing early is a good idea sure didn...
violent spectacular new version theatre
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
Misunderstood Hilarious Black Woman
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
Misunderstood Hilarious Black Woman
  07/08/17
Right. The person who started investing earlier is still in ...
snowy therapy hunting ground
  07/09/17
I think the more interesting hypo is a guy who starts invest...
crystalline beady-eyed hissy fit
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
vivacious national security agency garrison
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
laughsome cerise site water buffalo
  02/07/14
I still think it's more credited to maintain liquidity and i...
Multi-colored violet sex offender
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
Galvanic bearded school blood rage
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
violent spectacular new version theatre
  02/07/14
(cgm)
Cerebral Sticky Set Doctorate
  02/07/14
What does this look like if you assume 6% returns?
electric abode
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
Chest-beating affirmative action trailer park
  02/08/14
...
crusty international law enforcement agency
  02/17/14
not really. my parents had very little just 20 years ago...
Disturbing electric furnace
  02/08/14
...
crusty international law enforcement agency
  02/10/14
...
Dashing Trust Fund Senate
  07/08/17
So your telling me that if I make a lot of money ill do well...
Charismatic drab business firm pervert
  12/10/14
...
crusty international law enforcement agency
  05/14/14
...
crusty international law enforcement agency
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
racy fanboi police squad
  12/10/14
...
crusty international law enforcement agency
  12/10/14
...
crusty international law enforcement agency
  02/13/15
this is retarded. for most of us, that would have meant soc...
Slate Faggot Firefighter Plaza
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
carnelian flickering pocket flask
  02/13/15
...
crusty international law enforcement agency
  02/13/15
we're in a bubble right now, so all of those figures are bul...
Slate Faggot Firefighter Plaza
  02/13/15
...
crusty international law enforcement agency
  02/13/15
A year later after bitching in this thread, I have fucking $...
Galvanic bearded school blood rage
  02/13/15
...
crusty international law enforcement agency
  02/13/15
What has your APR been?
Slippery Parlor Masturbator
  02/13/15
how much money did you have in cash on the sidelines from th...
Razzle-dazzle Hateful Hall Philosopher-king
  02/13/15
...
crusty international law enforcement agency
  12/29/15
...
crusty international law enforcement agency
  04/18/16
I remember a teacher showing us this kind of chart back arou...
cobalt property double fault
  04/18/16
wise move
Lemon Aromatic Range
  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.
Violent party of the first part
  04/18/16
...
crusty international law enforcement agency
  04/18/16
This is false and assumes one continues working a cookie-cut...
Disturbing electric furnace
  04/18/16
just do >10% growth every year. worked for bernie madoff
appetizing address headpube
  04/18/16
This bort is retarded.
Provocative theater stage faggotry
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
Aqua dilemma keepsake machete
  04/18/16
...
crusty international law enforcement agency
  04/18/16
you pointed it out above several times, and each time you go...
Aqua dilemma keepsake machete
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
Pea-brained Low-t Milk Crotch
  04/18/16
The real reason this chart is dumb is because of inflation. ...
diverse hospital
  04/18/16
...
crusty international law enforcement agency
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
diverse hospital
  04/18/16
...
crusty international law enforcement agency
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
sepia chad
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
thirsty marvelous main people
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
Aphrodisiac dragon
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
Passionate Pearl Rigor Chapel
  02/20/17
I agree generally that returns will be lower. But if you ask...
Aphrodisiac dragon
  02/20/17
saving for retirement is flame. just slide and let do
Shaky center useless brakes
  04/18/16
cr
Aqua dilemma keepsake machete
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
Shivering roast beef scourge upon the earth
  09/29/16
...
crusty international law enforcement agency
  09/29/16
How do they get 10% retune every year
bateful halford
  09/29/16
noob investor question, but isn't this idea kind of self per...
concupiscible locus bbw
  09/29/16
Student loan interest exceeds most investment returns so tha...
racy fanboi police squad
  09/29/16
...
concupiscible locus bbw
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
Nudist fortuitous meteor
  02/20/17
...
Nudist fortuitous meteor
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
plum odious potus
  07/08/17
COMPOUND INT--*nuke melts face*
lime love of her life
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
Sapphire mentally impaired coffee pot
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
lime love of her life
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
Sapphire mentally impaired coffee pot
  07/08/17
(Not a rental property owner)
soul-stirring cuckoldry shitlib
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
snowy therapy hunting ground
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
Nudist fortuitous meteor
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
Sapphire mentally impaired coffee pot
  07/08/17
now show me the table for $300K at 8% in student loans
Blue feces lay
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
Stimulating heaven
  07/08/17
...
Shivering roast beef scourge upon the earth
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
Blue feces lay
  07/08/17
data entry
Dashing Trust Fund Senate
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
Blue feces lay
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
Dashing Trust Fund Senate
  07/08/17
CR
Shivering roast beef scourge upon the earth
  07/08/17
Admin assistant
Shivering roast beef scourge upon the earth
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
Blue feces lay
  07/08/17
According to the chart all you need to invest is like 2k a y...
Shivering roast beef scourge upon the earth
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
massive orchestra pit
  07/08/17
things barzini knew and did that you did not for $200, alex
exciting stage stock car
  07/09/17
I think a much more sure bet is Social Security taxes being ...
Obsidian vengeful partner
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
massive orchestra pit
  07/08/17
Investment compounding is the single biggest scam the inve...
Chest-beating affirmative action trailer park
  07/09/17
...
Irradiated Legal Warrant Box Office
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
Frozen Hell Dysfunction
  08/23/17
...
crusty international law enforcement agency
  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: crusty international law enforcement agency

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: Stirring corn cake psychic

(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: Vermilion Base
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: Henna Swollen Queen Of The Night Office

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: Vigorous Frisky Spot



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: soggy hideous sanctuary private investor

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: Histrionic seedy market

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: Galvanic bearded school blood rage

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: rebellious judgmental sweet tailpipe mother

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: crusty international law enforcement agency



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Spruce Reading Party Mediation

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: Thriller school cafeteria

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: Spruce Reading Party Mediation

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: bonkers federal station mood



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: beta telephone fat ankles



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: contagious coldplay fan



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: Spruce Reading Party Mediation



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: Poppy Motley Skinny Woman Theater



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: contagious coldplay fan



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: crusty international law enforcement agency



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Spruce Reading Party Mediation

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: crusty international law enforcement agency



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Spruce Reading Party Mediation

(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: Spruce Reading Party Mediation

(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: Spruce Reading Party Mediation

(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: soul-stirring cuckoldry shitlib

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: Provocative theater stage faggotry

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: crusty international law enforcement agency



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: soul-stirring cuckoldry shitlib

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: soul-stirring cuckoldry shitlib



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: soul-stirring cuckoldry shitlib

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: Chestnut public bath



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: soul-stirring cuckoldry shitlib

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: Copper Exhilarant University

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: crusty international law enforcement agency



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



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Date: February 7th, 2014 3:54 PM
Author: soul-stirring cuckoldry shitlib

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: Provocative theater stage faggotry

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: soul-stirring cuckoldry shitlib

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)



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Date: February 20th, 2017 9:25 AM
Author: gay indirect expression brunch

(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: Talented dun jewess

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: crusty international law enforcement agency



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



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Date: February 7th, 2014 3:58 PM
Author: soul-stirring cuckoldry shitlib

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: Opaque circlehead cuckold

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

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



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Date: April 18th, 2016 9:35 AM
Author: deep unhinged community account

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: Alcoholic orange wrinkle nursing home

haha

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



Reply Favorite

Date: February 20th, 2017 1:49 AM
Author: Spruce Reading Party Mediation



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



Reply Favorite

Date: February 20th, 2017 8:38 AM
Author: Provocative theater stage faggotry



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: Vibrant gaming laptop french chef



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: Frozen Hell Dysfunction



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



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Date: February 7th, 2014 3:23 PM
Author: Fishy ticket booth

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: crusty international law enforcement agency



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



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Date: February 7th, 2014 3:33 PM
Author: Fishy ticket booth

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: crusty international law enforcement agency



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: Fishy ticket booth

?

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: crusty international law enforcement agency



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



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Date: February 7th, 2014 3:47 PM
Author: Fishy ticket booth

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: crusty international law enforcement agency



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



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Date: February 7th, 2014 4:13 PM
Author: Fishy ticket booth

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: crusty international law enforcement agency



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



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Date: February 7th, 2014 4:35 PM
Author: Thriller school cafeteria

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: crusty international law enforcement agency



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



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Date: July 9th, 2017 11:26 AM
Author: onyx domesticated corner

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: Fear-inspiring Native Roommate

This is true for everything ever.

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



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Date: February 7th, 2014 3:25 PM
Author: Galvanic bearded school blood rage

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)



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Date: February 7th, 2014 3:30 PM
Author: Henna Swollen Queen Of The Night Office

U r 36? LOLOL

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



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Date: February 7th, 2014 3:31 PM
Author: Galvanic bearded school blood rage

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)



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Date: February 7th, 2014 3:36 PM
Author: Henna Swollen Queen Of The Night Office

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: Galvanic bearded school blood rage

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: Henna Swollen Queen Of The Night Office

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: Galvanic bearded school blood rage

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: Henna Swollen Queen Of The Night Office

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: Galvanic bearded school blood rage

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)



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Date: February 7th, 2014 3:32 PM
Author: comical cyan stage

(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: Floppy Mental Disorder Wagecucks

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: crusty international law enforcement agency



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Henna Swollen Queen Of The Night Office

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: carnelian flickering pocket flask



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: Crimson indian lodge



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: Shivering roast beef scourge upon the earth



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: Galvanic bearded school blood rage

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: Henna Swollen Queen Of The Night Office

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: Galvanic bearded school blood rage

crappy consulting firm do municipal bond analysis.

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



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Date: February 7th, 2014 3:58 PM
Author: Fishy ticket booth

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: Galvanic bearded school blood rage

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: Jade hairraiser temple

$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: red area multi-billionaire

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: Primrose Swashbuckling Lodge

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: crusty international law enforcement agency



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: Primrose Swashbuckling Lodge

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: Spruce Reading Party Mediation

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: exciting stage stock car



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



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Date: February 7th, 2014 4:01 PM
Author: violent spectacular new version theatre

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)



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Date: February 8th, 2014 8:23 PM
Author: vivacious national security agency garrison



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



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Date: February 7th, 2014 4:08 PM
Author: heady mustard meetinghouse

*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: violent spectacular new version theatre

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: Misunderstood Hilarious Black Woman

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: Misunderstood Hilarious Black Woman

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)



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Date: July 9th, 2017 10:45 AM
Author: snowy therapy hunting ground

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: crystalline beady-eyed hissy fit

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: vivacious national security agency garrison

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: laughsome cerise site water buffalo

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: Multi-colored violet sex offender

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: Galvanic bearded school blood rage

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: violent spectacular new version theatre

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: Cerebral Sticky Set Doctorate

(cgm)

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



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: electric abode

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: Chest-beating affirmative action trailer park

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: crusty international law enforcement agency



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: Disturbing electric furnace

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: crusty international law enforcement agency



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: Dashing Trust Fund Senate



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: Charismatic drab business firm pervert

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: crusty international law enforcement agency



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: crusty international law enforcement agency



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: racy fanboi police squad

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: crusty international law enforcement agency



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: crusty international law enforcement agency



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: Slate Faggot Firefighter Plaza

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: carnelian flickering pocket flask

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: crusty international law enforcement agency



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: Slate Faggot Firefighter Plaza

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: crusty international law enforcement agency



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: Galvanic bearded school blood rage

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: crusty international law enforcement agency



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



Reply Favorite

Date: February 13th, 2015 5:53 PM
Author: Slippery Parlor Masturbator

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: Razzle-dazzle Hateful Hall Philosopher-king

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: crusty international law enforcement agency



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



Reply Favorite

Date: April 18th, 2016 7:18 AM
Author: crusty international law enforcement agency



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



Reply Favorite

Date: April 18th, 2016 7:47 AM
Author: cobalt property double fault

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)



Reply Favorite

Date: April 18th, 2016 8:17 AM
Author: Lemon Aromatic Range

wise move

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



Reply Favorite

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

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

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



Reply Favorite

Date: April 18th, 2016 7:49 AM
Author: Violent party of the first part

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

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



Reply Favorite

Date: April 18th, 2016 9:40 AM
Author: crusty international law enforcement agency



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



Reply Favorite

Date: April 18th, 2016 7:50 AM
Author: Disturbing electric furnace

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)



Reply Favorite

Date: April 18th, 2016 8:51 AM
Author: appetizing address headpube

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: Provocative theater stage faggotry

This bort is retarded.

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



Reply Favorite

Date: April 18th, 2016 9:04 AM
Author: Aqua dilemma keepsake machete

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)



Reply Favorite

Date: April 18th, 2016 9:41 AM
Author: crusty international law enforcement agency



(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: Aqua dilemma keepsake machete

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)



Reply Favorite

Date: April 18th, 2016 9:20 AM
Author: Pea-brained Low-t Milk Crotch

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)



Reply Favorite

Date: April 18th, 2016 9:20 AM
Author: diverse hospital

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)



Reply Favorite

Date: April 18th, 2016 9:45 AM
Author: crusty international law enforcement agency



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



Reply Favorite

Date: April 18th, 2016 9:50 AM
Author: diverse hospital

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)



Reply Favorite

Date: April 18th, 2016 10:02 AM
Author: crusty international law enforcement agency



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



Reply Favorite

Date: July 8th, 2017 11:01 AM
Author: sepia chad

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)



Reply Favorite

Date: September 15th, 2023 11:41 AM
Author: thirsty marvelous main people

*assumes 3% inflation*

*fade in cannibal holocaust theme*

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



Reply Favorite

Date: April 18th, 2016 9:24 AM
Author: Aphrodisiac dragon

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)



Reply Favorite

Date: February 20th, 2017 3:10 AM
Author: Passionate Pearl Rigor Chapel

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)



Reply Favorite

Date: February 20th, 2017 7:57 AM
Author: Aphrodisiac dragon

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)



Reply Favorite

Date: April 18th, 2016 9:57 AM
Author: Shaky center useless brakes

saving for retirement is flame. just slide and let do

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



Reply Favorite

Date: April 18th, 2016 10:04 AM
Author: Aqua dilemma keepsake machete

cr

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



Reply Favorite

Date: September 29th, 2016 10:24 AM
Author: Shivering roast beef scourge upon the earth

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

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



Reply Favorite

Date: September 29th, 2016 10:03 AM
Author: crusty international law enforcement agency



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



Reply Favorite

Date: September 29th, 2016 1:21 PM
Author: bateful halford

How do they get 10% retune every year

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



Reply Favorite

Date: September 29th, 2016 2:04 PM
Author: concupiscible locus bbw

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: racy fanboi police squad

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)



Reply Favorite

Date: September 29th, 2016 4:48 PM
Author: concupiscible locus bbw



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



Reply Favorite

Date: February 20th, 2017 8:11 AM
Author: Nudist fortuitous meteor

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)



Reply Favorite

Date: July 8th, 2017 9:32 AM
Author: Nudist fortuitous meteor



(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: plum odious potus

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

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



Reply Favorite

Date: July 8th, 2017 9:46 AM
Author: lime love of her life

COMPOUND INT--*nuke melts face*

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



Reply Favorite

Date: July 8th, 2017 9:50 AM
Author: Sapphire mentally impaired coffee pot

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)



Reply Favorite

Date: July 8th, 2017 9:52 AM
Author: lime love of her life

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)



Reply Favorite

Date: July 8th, 2017 9:54 AM
Author: Sapphire mentally impaired coffee pot

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)



Reply Favorite

Date: July 8th, 2017 10:16 AM
Author: soul-stirring cuckoldry shitlib

(Not a rental property owner)

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



Reply Favorite

Date: July 9th, 2017 11:14 AM
Author: snowy therapy hunting ground

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: Nudist fortuitous meteor

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)



Reply Favorite

Date: July 8th, 2017 10:06 AM
Author: Sapphire mentally impaired coffee pot

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)



Reply Favorite

Date: July 8th, 2017 12:06 PM
Author: Blue feces lay

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)



Reply Favorite

Date: July 8th, 2017 12:13 PM
Author: Stimulating heaven

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)



Reply Favorite

Date: July 8th, 2017 12:28 PM
Author: Shivering roast beef scourge upon the earth



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



Reply Favorite

Date: July 8th, 2017 12:30 PM
Author: Blue feces lay

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)



Reply Favorite

Date: July 8th, 2017 12:32 PM
Author: Dashing Trust Fund Senate

data entry

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



Reply Favorite

Date: July 8th, 2017 12:46 PM
Author: Blue feces lay

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)



Reply Favorite

Date: July 8th, 2017 1:03 PM
Author: Dashing Trust Fund Senate

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)



Reply Favorite

Date: July 8th, 2017 1:04 PM
Author: Shivering roast beef scourge upon the earth

CR

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



Reply Favorite

Date: July 8th, 2017 12:32 PM
Author: Shivering roast beef scourge upon the earth

Admin assistant

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



Reply Favorite

Date: July 8th, 2017 12:45 PM
Author: Blue feces lay

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)



Reply Favorite

Date: July 8th, 2017 12:57 PM
Author: Shivering roast beef scourge upon the earth

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)



Reply Favorite

Date: July 8th, 2017 1:26 PM
Author: massive orchestra pit

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)



Reply Favorite

Date: July 9th, 2017 11:10 AM
Author: exciting stage stock car

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)



Reply Favorite

Date: July 8th, 2017 12:45 PM
Author: Obsidian vengeful partner

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)



Reply Favorite

Date: July 8th, 2017 1:27 PM
Author: massive orchestra pit

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)



Reply Favorite

Date: July 9th, 2017 11:21 AM
Author: Chest-beating affirmative action trailer park

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)



Reply Favorite

Date: August 22nd, 2017 7:26 PM
Author: Irradiated Legal Warrant Box Office



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



Reply Favorite

Date: August 23rd, 2017 11:19 AM
Author: Frozen Hell Dysfunction

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)



Reply Favorite

Date: September 15th, 2023 11:28 AM
Author: crusty international law enforcement agency



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



Reply Favorite

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

how’d we all do?

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



Reply Favorite

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

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

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



Reply Favorite

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



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