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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...
seedy canary goyim
  02/07/14
(Dave Ramsey)
Racy embarrassed to the bone bbw
  12/10/14
Germany bull
Fluffy Voyeur Dysfunction
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
Hyperventilating hall weed whacker
  02/07/14
...
Infuriating bateful center coldplay fan
  02/08/14
yep
drab vibrant nowag
  02/07/14
what is the apr on this
Swashbuckling nursing home round eye
  02/07/14
12% lol.
deep cuckoldry
  02/07/14
fucking boomers
mildly autistic trailer park pervert
  02/07/14
...
may his bones be crushed
  04/13/26
...
seedy canary goyim
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
Deranged locale
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
Navy brethren university
  02/07/14
180
Deranged locale
  02/07/14
...
Frum trip gas station
  02/08/14
...
underhanded spectacular cruise ship
  02/13/15
...
Provocative angry theatre
  04/18/16
...
Deranged locale
  02/20/17
...
twisted cuck church
  02/20/17
...
Provocative angry theatre
  07/08/17
...
seedy canary goyim
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
Deranged locale
  02/07/14
...
seedy canary goyim
  02/07/14
(guy who recently watched The Secret)
Deranged locale
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
Deranged locale
  02/07/14
(Boomer in 2006 buying third investment property)
Deranged locale
  02/07/14
this will not occur over the next 40 years
lascivious location yarmulke
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
fear-inspiring passionate coffee pot
  02/07/14
...
seedy canary goyim
  02/07/14
Compare the demographics, foreign competition, and regulator...
lascivious location yarmulke
  12/10/14
...
lascivious location yarmulke
  04/18/16
A true genius
lascivious location yarmulke
  09/29/16
...
dun organic girlfriend space
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
lascivious location yarmulke
  04/18/16
Just do assume 12% returns for 45 years
Jet-lagged appetizing haunted graveyard
  02/07/14
...
seedy canary goyim
  02/07/14
CR incredibly retarded
lascivious location yarmulke
  02/07/14
It doesn't change regardless of rate.
fear-inspiring passionate coffee pot
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
lascivious location yarmulke
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
azure stage
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
alcoholic sneaky criminal
  02/07/14
...
seedy canary goyim
  02/07/14
this will not be the case for the next 50 years
lascivious location yarmulke
  02/07/14
(Suze Orman after a few too many glasses of wine)
Free-loading quadroon garrison
  02/07/14
lol'd
light metal native
  04/18/16
haha
Exhilarant kitty cat
  09/29/16
...
Deranged locale
  02/20/17
...
fear-inspiring passionate coffee pot
  02/20/17
...
Black Sticky Antidepressant Drug Parlor
  02/20/17
...
chartreuse unhinged business firm partner
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
Irradiated Nibblets
  02/07/14
...
seedy canary goyim
  02/07/14
Not if returns were negative when/in the years immediately f...
Irradiated Nibblets
  02/07/14
...
seedy canary goyim
  02/07/14
? All the hypo supposes is that you start investing in yo...
Irradiated Nibblets
  02/07/14
...
seedy canary goyim
  02/07/14
YOUR personal rate of return is different from the market's ...
Irradiated Nibblets
  02/07/14
...
seedy canary goyim
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
Irradiated Nibblets
  02/07/14
...
seedy canary goyim
  02/07/14
you realize that to obtain the returns you stated above, one...
Navy brethren university
  02/07/14
...
seedy canary goyim
  02/07/14
jfc why does she write shit like this
Orchid hunting ground forum
  07/09/17
This is true for everything ever.
Cream mental disorder
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
deep cuckoldry
  02/07/14
U r 36? LOLOL
Hyperventilating hall weed whacker
  02/07/14
34 but I put more money than $2000 per year in there.
deep cuckoldry
  02/07/14
Damen. How does it feel to be literally half done with life?
Hyperventilating hall weed whacker
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
deep cuckoldry
  02/07/14
Goal retirement age??
Hyperventilating hall weed whacker
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
deep cuckoldry
  02/07/14
Any family pressure to get married??
Hyperventilating hall weed whacker
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
deep cuckoldry
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
comical brunch
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
galvanic mahogany office
  02/07/14
...
seedy canary goyim
  02/07/14
Doctors are done here
Hyperventilating hall weed whacker
  02/07/14
...
Boyish cordovan immigrant
  02/13/15
...
Arousing Range French Chef
  02/20/17
...
sepia vivacious gunner travel guidebook
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
deep cuckoldry
  02/07/14
What were u doing at 22?
Hyperventilating hall weed whacker
  02/07/14
crappy consulting firm do municipal bond analysis.
deep cuckoldry
  02/07/14
you should've gone into finance, instead. you'd have a milli...
Irradiated Nibblets
  02/07/14
I was too lazy in college, but yeah would have been a good i...
deep cuckoldry
  02/07/14
$38k was a decent starting salary in 1995...?
wonderful emerald sanctuary
  02/08/14
my gf doesn't even have a credit card. she's 24
Crystalline Goal In Life Persian
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
Vigorous Spruce Stead
  02/07/14
...
seedy canary goyim
  02/07/14
yes arthur is fucked, ben pwns him
Vigorous Spruce Stead
  02/07/14
Twist: Arthur was swimming in student loan debt
Deranged locale
  02/07/14
...
pearly site international law enforcement agency
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
Pontificating bearded resort
  02/07/14
...
yellow bawdyhouse
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
flirting circlehead den
  02/07/14
True, the idea that investing early is a good idea sure didn...
Pontificating bearded resort
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
Snowy Thriller Stage Friendly Grandma
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
Snowy Thriller Stage Friendly Grandma
  07/08/17
Right. The person who started investing earlier is still in ...
orange hyperactive water buffalo school
  07/09/17
I think the more interesting hypo is a guy who starts invest...
Aquamarine exciting pit
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
yellow bawdyhouse
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
excitant brindle theater stage
  02/07/14
I still think it's more credited to maintain liquidity and i...
House-broken hairraiser sound barrier whorehouse
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
deep cuckoldry
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
Pontificating bearded resort
  02/07/14
(cgm)
Flesh well-lubricated mexican fanboi
  02/07/14
What does this look like if you assume 6% returns?
ultramarine multi-colored old irish cottage
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
Chocolate Son Of Senegal
  02/08/14
...
seedy canary goyim
  02/17/14
not really. my parents had very little just 20 years ago...
mentally impaired useless brakes
  02/08/14
...
seedy canary goyim
  02/10/14
...
Dead community account
  07/08/17
So your telling me that if I make a lot of money ill do well...
Filthy crackhouse
  12/10/14
...
seedy canary goyim
  05/14/14
...
seedy canary goyim
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
Rambunctious French Black Woman
  12/10/14
...
seedy canary goyim
  12/10/14
...
seedy canary goyim
  02/13/15
this is retarded. for most of us, that would have meant soc...
Red stubborn stag film
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
Boyish cordovan immigrant
  02/13/15
...
seedy canary goyim
  02/13/15
we're in a bubble right now, so all of those figures are bul...
Red stubborn stag film
  02/13/15
...
seedy canary goyim
  02/13/15
A year later after bitching in this thread, I have fucking $...
deep cuckoldry
  02/13/15
...
seedy canary goyim
  02/13/15
What has your APR been?
Fiercely-loyal affirmative action
  02/13/15
how much money did you have in cash on the sidelines from th...
big clear doctorate trump supporter
  02/13/15
...
seedy canary goyim
  12/29/15
...
seedy canary goyim
  04/18/16
I remember a teacher showing us this kind of chart back arou...
Fishy talking candlestick maker abode
  04/18/16
wise move
bisexual pozpig
  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.
Concupiscible Hospital Psychic
  04/18/16
...
seedy canary goyim
  04/18/16
This is false and assumes one continues working a cookie-cut...
mentally impaired useless brakes
  04/18/16
just do >10% growth every year. worked for bernie madoff
harsh cruel-hearted senate striped hyena
  04/18/16
This bort is retarded.
fear-inspiring passionate coffee pot
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
gay digit ratio
  04/18/16
...
seedy canary goyim
  04/18/16
you pointed it out above several times, and each time you go...
gay digit ratio
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
Insanely creepy lay
  04/18/16
The real reason this chart is dumb is because of inflation. ...
Tan razzle property sweet tailpipe
  04/18/16
...
seedy canary goyim
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
Tan razzle property sweet tailpipe
  04/18/16
...
seedy canary goyim
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
Diverse point
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
cowardly plaza
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
shivering electric blood rage
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
apoplectic home
  02/20/17
I agree generally that returns will be lower. But if you ask...
shivering electric blood rage
  02/20/17
saving for retirement is flame. just slide and let do
dull filthpig
  04/18/16
cr
gay digit ratio
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
sepia vivacious gunner travel guidebook
  09/29/16
...
seedy canary goyim
  09/29/16
How do they get 10% retune every year
cocky gaping dilemma
  09/29/16
noob investor question, but isn't this idea kind of self per...
beta temple becky
  09/29/16
Student loan interest exceeds most investment returns so tha...
Rambunctious French Black Woman
  09/29/16
...
beta temple becky
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
Henna razzle-dazzle church building elastic band
  02/20/17
...
Henna razzle-dazzle church building elastic band
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
scarlet puppy gaming laptop
  07/08/17
COMPOUND INT--*nuke melts face*
maniacal area
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
hateful misunderstood shrine
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
maniacal area
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
hateful misunderstood shrine
  07/08/17
(Not a rental property owner)
lascivious location yarmulke
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
orange hyperactive water buffalo school
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
Henna razzle-dazzle church building elastic band
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
hateful misunderstood shrine
  07/08/17
now show me the table for $300K at 8% in student loans
Haunting principal's office patrolman
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
Crusty umber state wrinkle
  07/08/17
...
sepia vivacious gunner travel guidebook
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
Haunting principal's office patrolman
  07/08/17
data entry
Dead community account
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
Haunting principal's office patrolman
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
Dead community account
  07/08/17
CR
sepia vivacious gunner travel guidebook
  07/08/17
Admin assistant
sepia vivacious gunner travel guidebook
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
Haunting principal's office patrolman
  07/08/17
According to the chart all you need to invest is like 2k a y...
sepia vivacious gunner travel guidebook
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
godawful institution
  07/08/17
things barzini knew and did that you did not for $200, alex
pearly site international law enforcement agency
  07/09/17
I think a much more sure bet is Social Security taxes being ...
Silver federal spot sandwich
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
godawful institution
  07/08/17
Investment compounding is the single biggest scam the inve...
Chocolate Son Of Senegal
  07/09/17
...
zippy carnelian roommate indian lodge
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
chartreuse unhinged business firm partner
  08/23/17
...
seedy canary goyim
  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: seedy canary goyim

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: Racy embarrassed to the bone bbw

(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: Fluffy Voyeur Dysfunction
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: Hyperventilating hall weed whacker

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: Infuriating bateful center coldplay fan



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: drab vibrant nowag

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: Swashbuckling nursing home round eye

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: deep cuckoldry

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: mildly autistic trailer park pervert

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: seedy canary goyim



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Deranged locale

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: Navy brethren university

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: Deranged locale

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: Frum trip gas station



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: underhanded spectacular cruise ship



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: Provocative angry theatre



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: Deranged locale



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: twisted cuck church



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: Provocative angry theatre



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: seedy canary goyim



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Deranged locale

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: seedy canary goyim



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Deranged locale

(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: Deranged locale

(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: Deranged locale

(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: lascivious location yarmulke

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: fear-inspiring passionate coffee pot

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: seedy canary goyim



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: lascivious location yarmulke

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: lascivious location yarmulke



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: lascivious location yarmulke

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: dun organic girlfriend space



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: lascivious location yarmulke

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: Jet-lagged appetizing haunted graveyard

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: seedy canary goyim



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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: lascivious location yarmulke

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: fear-inspiring passionate coffee pot

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: lascivious location yarmulke

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: azure stage

(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: alcoholic sneaky criminal

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: seedy canary goyim



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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: lascivious location yarmulke

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: Free-loading quadroon garrison

(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: light metal native

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: Exhilarant 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: Deranged locale



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



Reply Favorite

Date: February 20th, 2017 8:38 AM
Author: fear-inspiring passionate coffee pot



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: Black Sticky Antidepressant Drug Parlor



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: chartreuse unhinged business firm partner



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Irradiated Nibblets

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: seedy canary goyim



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Irradiated Nibblets

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: seedy canary goyim



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: Irradiated Nibblets

?

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: seedy canary goyim



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Irradiated Nibblets

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: seedy canary goyim



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



Reply Favorite

Date: February 7th, 2014 4:13 PM
Author: Irradiated Nibblets

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: seedy canary goyim



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



Reply Favorite

Date: February 7th, 2014 4:35 PM
Author: Navy brethren university

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: seedy canary goyim



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



Reply Favorite

Date: July 9th, 2017 11:26 AM
Author: Orchid hunting ground forum

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: Cream mental disorder

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: deep cuckoldry

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: Hyperventilating hall weed whacker

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: deep cuckoldry

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: Hyperventilating hall weed whacker

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: deep cuckoldry

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: Hyperventilating hall weed whacker

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: deep cuckoldry

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: Hyperventilating hall weed whacker

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: deep cuckoldry

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: comical brunch

(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: galvanic mahogany office

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

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



Reply Favorite

Date: February 7th, 2014 3:39 PM
Author: seedy canary goyim



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Hyperventilating hall weed whacker

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: Boyish cordovan immigrant



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: Arousing Range French Chef



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: sepia vivacious gunner travel guidebook



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: deep cuckoldry

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: Hyperventilating hall weed whacker

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: deep cuckoldry

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: Irradiated Nibblets

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: deep cuckoldry

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: wonderful emerald sanctuary

$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: Crystalline Goal In Life Persian

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: Vigorous Spruce Stead

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: seedy canary goyim



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: Vigorous Spruce Stead

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: Deranged locale

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: pearly site international law enforcement agency



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



Reply Favorite

Date: February 7th, 2014 4:01 PM
Author: Pontificating bearded resort

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: yellow bawdyhouse



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



Reply Favorite

Date: February 7th, 2014 4:08 PM
Author: flirting circlehead den

*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: Pontificating bearded resort

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: Snowy Thriller Stage Friendly Grandma

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: Snowy Thriller Stage Friendly Grandma

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: orange hyperactive water buffalo school

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: Aquamarine exciting pit

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: yellow bawdyhouse

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: excitant brindle theater stage

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: House-broken hairraiser sound barrier whorehouse

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: deep cuckoldry

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: Pontificating bearded resort

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: Flesh well-lubricated mexican fanboi

(cgm)

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



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: ultramarine multi-colored old irish cottage

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: Chocolate Son Of Senegal

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: seedy canary goyim



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: mentally impaired useless brakes

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: seedy canary goyim



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: Dead community account



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: Filthy crackhouse

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: seedy canary goyim



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: seedy canary goyim



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: Rambunctious French Black Woman

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: seedy canary goyim



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: seedy canary goyim



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: Red stubborn stag film

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: Boyish cordovan immigrant

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: seedy canary goyim



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: Red stubborn stag film

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: seedy canary goyim



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: deep cuckoldry

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: seedy canary goyim



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



Reply Favorite

Date: February 13th, 2015 5:53 PM
Author: Fiercely-loyal affirmative action

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: big clear doctorate trump supporter

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)



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Date: December 29th, 2015 1:41 PM
Author: seedy canary goyim



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



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Date: April 18th, 2016 7:18 AM
Author: seedy canary goyim



(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: Fishy talking candlestick maker abode

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: bisexual pozpig

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: Concupiscible Hospital Psychic

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: seedy canary goyim



(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: mentally impaired useless brakes

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: harsh cruel-hearted senate striped hyena

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: fear-inspiring passionate coffee pot

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: gay digit ratio

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: seedy canary goyim



(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: gay digit ratio

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: Insanely creepy lay

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: Tan razzle property sweet tailpipe

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: seedy canary goyim



(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: Tan razzle property sweet tailpipe

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: seedy canary goyim



(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: Diverse point

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: cowardly plaza

*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: shivering electric blood rage

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: apoplectic home

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: shivering electric blood rage

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: dull filthpig

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: gay digit ratio

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: sepia vivacious gunner travel guidebook

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: seedy canary goyim



(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: cocky gaping dilemma

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: beta temple becky

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: Rambunctious French Black Woman

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: beta temple becky



(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: Henna razzle-dazzle church building elastic band

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: Henna razzle-dazzle church building elastic band



(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: scarlet puppy gaming laptop

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: maniacal area

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: hateful misunderstood shrine

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: maniacal area

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: hateful misunderstood shrine

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: lascivious location yarmulke

(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: orange hyperactive water buffalo school

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: Henna razzle-dazzle church building elastic band

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: hateful misunderstood shrine

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: Haunting principal's office patrolman

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: Crusty umber state wrinkle

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: sepia vivacious gunner travel guidebook



(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: Haunting principal's office patrolman

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: Dead community account

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: Haunting principal's office patrolman

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: Dead community account

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: sepia vivacious gunner travel guidebook

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: sepia vivacious gunner travel guidebook

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: Haunting principal's office patrolman

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: sepia vivacious gunner travel guidebook

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: godawful institution

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: pearly site international law enforcement agency

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: Silver federal spot sandwich

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: godawful institution

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: Chocolate Son Of Senegal

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: zippy carnelian roommate indian lodge



(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: chartreuse unhinged business firm partner

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: seedy canary goyim



(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)