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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...
histrionic center gaping
  02/07/14
(Dave Ramsey)
dark bipolar coffee pot church building
  12/10/14
Germany bull
racy pontificating karate locus
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
chartreuse vibrant garrison
  02/07/14
...
dull step-uncle's house
  02/08/14
yep
scarlet alcoholic meetinghouse persian
  02/07/14
what is the apr on this
razzmatazz water buffalo kitchen
  02/07/14
12% lol.
Dun Indirect Expression Jewess
  02/07/14
fucking boomers
Plum glittery indian lodge son of senegal
  02/07/14
...
may his bones be crushed
  04/13/26
...
histrionic center gaping
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
odious internet-worthy site
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
Ocher zippy school cafeteria
  02/07/14
180
odious internet-worthy site
  02/07/14
...
Sadistic Alcoholic Lodge International Law Enforcement Agency
  02/08/14
...
Buck-toothed ape
  02/13/15
...
jade rough-skinned electric furnace
  04/18/16
...
odious internet-worthy site
  02/20/17
...
Bateful blue abode
  02/20/17
...
jade rough-skinned electric furnace
  07/08/17
...
histrionic center gaping
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
odious internet-worthy site
  02/07/14
...
histrionic center gaping
  02/07/14
(guy who recently watched The Secret)
odious internet-worthy site
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
odious internet-worthy site
  02/07/14
(Boomer in 2006 buying third investment property)
odious internet-worthy site
  02/07/14
this will not occur over the next 40 years
Comical ratface nursing home
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
out-of-control purple famous landscape painting
  02/07/14
...
histrionic center gaping
  02/07/14
Compare the demographics, foreign competition, and regulator...
Comical ratface nursing home
  12/10/14
...
Comical ratface nursing home
  04/18/16
A true genius
Comical ratface nursing home
  09/29/16
...
boyish ultramarine yarmulke
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
Comical ratface nursing home
  04/18/16
Just do assume 12% returns for 45 years
self-centered cerise voyeur
  02/07/14
...
histrionic center gaping
  02/07/14
CR incredibly retarded
Comical ratface nursing home
  02/07/14
It doesn't change regardless of rate.
out-of-control purple famous landscape painting
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
Comical ratface nursing home
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
mustard fragrant plaza affirmative action
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
Claret generalized bond parlor
  02/07/14
...
histrionic center gaping
  02/07/14
this will not be the case for the next 50 years
Comical ratface nursing home
  02/07/14
(Suze Orman after a few too many glasses of wine)
sticky nibblets point
  02/07/14
lol'd
big magenta menage
  04/18/16
haha
Haunting french mexican
  09/29/16
...
odious internet-worthy site
  02/20/17
...
out-of-control purple famous landscape painting
  02/20/17
...
Avocado spectacular sound barrier alpha
  02/20/17
...
Maniacal Public Bath Candlestick Maker
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
Salmon orchestra pit
  02/07/14
...
histrionic center gaping
  02/07/14
Not if returns were negative when/in the years immediately f...
Salmon orchestra pit
  02/07/14
...
histrionic center gaping
  02/07/14
? All the hypo supposes is that you start investing in yo...
Salmon orchestra pit
  02/07/14
...
histrionic center gaping
  02/07/14
YOUR personal rate of return is different from the market's ...
Salmon orchestra pit
  02/07/14
...
histrionic center gaping
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
Salmon orchestra pit
  02/07/14
...
histrionic center gaping
  02/07/14
you realize that to obtain the returns you stated above, one...
Ocher zippy school cafeteria
  02/07/14
...
histrionic center gaping
  02/07/14
jfc why does she write shit like this
Pearly Chapel Main People
  07/09/17
This is true for everything ever.
Exhilarant metal trailer park
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
Dun Indirect Expression Jewess
  02/07/14
U r 36? LOLOL
chartreuse vibrant garrison
  02/07/14
34 but I put more money than $2000 per year in there.
Dun Indirect Expression Jewess
  02/07/14
Damen. How does it feel to be literally half done with life?
chartreuse vibrant garrison
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
Dun Indirect Expression Jewess
  02/07/14
Goal retirement age??
chartreuse vibrant garrison
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
Dun Indirect Expression Jewess
  02/07/14
Any family pressure to get married??
chartreuse vibrant garrison
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
Dun Indirect Expression Jewess
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
Curious Slimy Station
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
Crawly concupiscible wrinkle box office
  02/07/14
...
histrionic center gaping
  02/07/14
Doctors are done here
chartreuse vibrant garrison
  02/07/14
...
nudist embarrassed to the bone fat ankles boiling water
  02/13/15
...
mildly autistic library
  02/20/17
...
razzle striped hyena
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
Dun Indirect Expression Jewess
  02/07/14
What were u doing at 22?
chartreuse vibrant garrison
  02/07/14
crappy consulting firm do municipal bond analysis.
Dun Indirect Expression Jewess
  02/07/14
you should've gone into finance, instead. you'd have a milli...
Salmon orchestra pit
  02/07/14
I was too lazy in college, but yeah would have been a good i...
Dun Indirect Expression Jewess
  02/07/14
$38k was a decent starting salary in 1995...?
bossy bat shit crazy stag film black woman
  02/08/14
my gf doesn't even have a credit card. she's 24
multi-colored bisexual brunch tattoo
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
Excitant faggotry theatre
  02/07/14
...
histrionic center gaping
  02/07/14
yes arthur is fucked, ben pwns him
Excitant faggotry theatre
  02/07/14
Twist: Arthur was swimming in student loan debt
odious internet-worthy site
  02/07/14
...
Low-t stock car senate
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
insane genital piercing
  02/07/14
...
crystalline trump supporter
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
Jet-lagged tantric dragon newt
  02/07/14
True, the idea that investing early is a good idea sure didn...
insane genital piercing
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
buff sanctuary therapy
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
buff sanctuary therapy
  07/08/17
Right. The person who started investing earlier is still in ...
Talking liquid oxygen
  07/09/17
I think the more interesting hypo is a guy who starts invest...
diverse bawdyhouse toilet seat
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
crystalline trump supporter
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
Bistre range elastic band
  02/07/14
I still think it's more credited to maintain liquidity and i...
Khaki Half-breed Rehab
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
Dun Indirect Expression Jewess
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
insane genital piercing
  02/07/14
(cgm)
Navy lascivious digit ratio place of business
  02/07/14
What does this look like if you assume 6% returns?
cocky trip office
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
irradiated bull headed hospital
  02/08/14
...
histrionic center gaping
  02/17/14
not really. my parents had very little just 20 years ago...
Titillating smoky party of the first part
  02/08/14
...
histrionic center gaping
  02/10/14
...
gay know-it-all goyim
  07/08/17
So your telling me that if I make a lot of money ill do well...
Shivering talented useless brakes
  12/10/14
...
histrionic center gaping
  05/14/14
...
histrionic center gaping
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
aggressive primrose temple
  12/10/14
...
histrionic center gaping
  12/10/14
...
histrionic center gaping
  02/13/15
this is retarded. for most of us, that would have meant soc...
Tan heaven
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
nudist embarrassed to the bone fat ankles boiling water
  02/13/15
...
histrionic center gaping
  02/13/15
we're in a bubble right now, so all of those figures are bul...
Tan heaven
  02/13/15
...
histrionic center gaping
  02/13/15
A year later after bitching in this thread, I have fucking $...
Dun Indirect Expression Jewess
  02/13/15
...
histrionic center gaping
  02/13/15
What has your APR been?
Ruddy swashbuckling cruise ship partner
  02/13/15
how much money did you have in cash on the sidelines from th...
Massive red base
  02/13/15
...
histrionic center gaping
  12/29/15
...
histrionic center gaping
  04/18/16
I remember a teacher showing us this kind of chart back arou...
marvelous ruby stage
  04/18/16
wise move
Carmine native legend
  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.
rose location
  04/18/16
...
histrionic center gaping
  04/18/16
This is false and assumes one continues working a cookie-cut...
Titillating smoky party of the first part
  04/18/16
just do >10% growth every year. worked for bernie madoff
arousing theater people who are hurt
  04/18/16
This bort is retarded.
out-of-control purple famous landscape painting
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
laughsome theater stage
  04/18/16
...
histrionic center gaping
  04/18/16
you pointed it out above several times, and each time you go...
laughsome theater stage
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
Dashing Stubborn Fortuitous Meteor National
  04/18/16
The real reason this chart is dumb is because of inflation. ...
Harsh Principal's Office Dysfunction
  04/18/16
...
histrionic center gaping
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
Harsh Principal's Office Dysfunction
  04/18/16
...
histrionic center gaping
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
Heady charcoal tank locale
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
brass overrated filthpig
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
thriller mother selfie
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
supple weed whacker
  02/20/17
I agree generally that returns will be lower. But if you ask...
thriller mother selfie
  02/20/17
saving for retirement is flame. just slide and let do
Pink institution boistinker
  04/18/16
cr
laughsome theater stage
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
razzle striped hyena
  09/29/16
...
histrionic center gaping
  09/29/16
How do they get 10% retune every year
Sinister Carnelian Headpube
  09/29/16
noob investor question, but isn't this idea kind of self per...
greedy resort
  09/29/16
Student loan interest exceeds most investment returns so tha...
aggressive primrose temple
  09/29/16
...
greedy resort
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
Saffron Church Idiot
  02/20/17
...
Saffron Church Idiot
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
Exciting sienna property shitlib
  07/08/17
COMPOUND INT--*nuke melts face*
territorial stead
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
frum crimson idea he suggested
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
territorial stead
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
frum crimson idea he suggested
  07/08/17
(Not a rental property owner)
Comical ratface nursing home
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
Talking liquid oxygen
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
Saffron Church Idiot
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
frum crimson idea he suggested
  07/08/17
now show me the table for $300K at 8% in student loans
Motley Snowy Address
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
Flickering cream corner death wish
  07/08/17
...
razzle striped hyena
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
Motley Snowy Address
  07/08/17
data entry
gay know-it-all goyim
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
Motley Snowy Address
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
gay know-it-all goyim
  07/08/17
CR
razzle striped hyena
  07/08/17
Admin assistant
razzle striped hyena
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
Motley Snowy Address
  07/08/17
According to the chart all you need to invest is like 2k a y...
razzle striped hyena
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
Sexy mad-dog skullcap
  07/08/17
things barzini knew and did that you did not for $200, alex
Low-t stock car senate
  07/09/17
I think a much more sure bet is Social Security taxes being ...
Burgundy Dilemma
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
Sexy mad-dog skullcap
  07/08/17
Investment compounding is the single biggest scam the inve...
irradiated bull headed hospital
  07/09/17
...
Cracking Field Background Story
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
Maniacal Public Bath Candlestick Maker
  08/23/17
...
histrionic center gaping
  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: histrionic center gaping

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: dark bipolar coffee pot church building

(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: racy pontificating karate locus
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: chartreuse vibrant garrison

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: dull step-uncle's house



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: scarlet alcoholic meetinghouse persian

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: razzmatazz water buffalo kitchen

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: Dun Indirect Expression Jewess

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: Plum glittery indian lodge son of senegal

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: histrionic center gaping



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: odious internet-worthy site

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: Ocher zippy 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: odious internet-worthy site

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: Sadistic Alcoholic Lodge International Law Enforcement Agency



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: Buck-toothed ape



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: jade rough-skinned electric furnace



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: odious internet-worthy site



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: Bateful blue abode



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: jade rough-skinned electric furnace



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: histrionic center gaping



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: odious internet-worthy site

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: histrionic center gaping



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: odious internet-worthy site

(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: odious internet-worthy site

(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: odious internet-worthy site

(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: Comical ratface nursing home

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: out-of-control purple famous landscape painting

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: histrionic center gaping



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: Comical ratface nursing home

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: Comical ratface nursing home



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: Comical ratface nursing home

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: boyish ultramarine yarmulke



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: Comical ratface nursing home

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: self-centered cerise voyeur

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: histrionic center gaping



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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: Comical ratface nursing home

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: out-of-control purple famous landscape painting

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: Comical ratface nursing home

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: mustard fragrant plaza affirmative action

(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: Claret generalized bond parlor

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: histrionic center gaping



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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: Comical ratface nursing home

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: sticky nibblets point

(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: big magenta menage

lol'd

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



Reply Favorite

Date: September 29th, 2016 10:24 AM
Author: Haunting french mexican

haha

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



Reply Favorite

Date: February 20th, 2017 1:49 AM
Author: odious internet-worthy site



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



Reply Favorite

Date: February 20th, 2017 8:38 AM
Author: out-of-control purple famous landscape painting



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: Avocado spectacular sound barrier alpha



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: Maniacal Public Bath Candlestick Maker



(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: Salmon orchestra pit

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: histrionic center gaping



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Salmon orchestra pit

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: histrionic center gaping



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: Salmon orchestra pit

?

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: histrionic center gaping



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Salmon orchestra pit

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: histrionic center gaping



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



Reply Favorite

Date: February 7th, 2014 4:13 PM
Author: Salmon orchestra pit

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: histrionic center gaping



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



Reply Favorite

Date: February 7th, 2014 4:35 PM
Author: Ocher zippy 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: histrionic center gaping



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



Reply Favorite

Date: July 9th, 2017 11:26 AM
Author: Pearly Chapel Main People

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: Exhilarant metal trailer park

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: Dun Indirect Expression Jewess

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: chartreuse vibrant garrison

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: Dun Indirect Expression Jewess

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: chartreuse vibrant garrison

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: Dun Indirect Expression Jewess

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: chartreuse vibrant garrison

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: Dun Indirect Expression Jewess

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: chartreuse vibrant garrison

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: Dun Indirect Expression Jewess

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: Curious Slimy Station

(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: Crawly concupiscible wrinkle box 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: histrionic center gaping



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: chartreuse vibrant garrison

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: nudist embarrassed to the bone fat ankles boiling water



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: mildly autistic library



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: razzle striped hyena



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: Dun Indirect Expression Jewess

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: chartreuse vibrant garrison

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: Dun Indirect Expression Jewess

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: Salmon orchestra pit

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: Dun Indirect Expression Jewess

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: bossy bat shit crazy stag film black woman

$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: multi-colored bisexual brunch tattoo

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: Excitant faggotry theatre

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: histrionic center gaping



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: Excitant faggotry theatre

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: odious internet-worthy site

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: Low-t stock car senate



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



Reply Favorite

Date: February 7th, 2014 4:01 PM
Author: insane genital piercing

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: crystalline trump supporter



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



Reply Favorite

Date: February 7th, 2014 4:08 PM
Author: Jet-lagged tantric dragon newt

*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: insane genital piercing

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: buff sanctuary therapy

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: buff sanctuary therapy

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: Talking liquid oxygen

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

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

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



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: diverse bawdyhouse toilet seat

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: crystalline trump supporter

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: Bistre range elastic band

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: Khaki Half-breed Rehab

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: Dun Indirect Expression Jewess

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: insane genital piercing

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: Navy lascivious digit ratio place of business

(cgm)

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



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: cocky trip office

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: irradiated bull headed hospital

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: histrionic center gaping



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: Titillating smoky party of the first part

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: histrionic center gaping



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: gay know-it-all goyim



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: Shivering talented useless brakes

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: histrionic center gaping



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: histrionic center gaping



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: aggressive primrose temple

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: histrionic center gaping



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: histrionic center gaping



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: Tan heaven

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: nudist embarrassed to the bone fat ankles boiling water

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: histrionic center gaping



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: Tan heaven

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: histrionic center gaping



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: Dun Indirect Expression Jewess

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: histrionic center gaping



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



Reply Favorite

Date: February 13th, 2015 5:53 PM
Author: Ruddy swashbuckling cruise ship partner

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: Massive red base

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

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



Reply Favorite

Date: December 29th, 2015 1:41 PM
Author: histrionic center gaping



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



Reply Favorite

Date: April 18th, 2016 7:18 AM
Author: histrionic center gaping



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



Reply Favorite

Date: April 18th, 2016 7:47 AM
Author: marvelous ruby stage

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: Carmine native legend

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: rose location

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: histrionic center gaping



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



Reply Favorite

Date: April 18th, 2016 7:50 AM
Author: Titillating smoky party of the first part

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: arousing theater people who are hurt

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

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



Reply Favorite

Date: April 18th, 2016 8:57 AM
Author: out-of-control purple famous landscape painting

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: laughsome theater stage

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: histrionic center gaping



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



Reply Favorite

Date: April 18th, 2016 10:04 AM
Author: laughsome theater stage

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: Dashing Stubborn Fortuitous Meteor National

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: Harsh Principal's Office Dysfunction

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: histrionic center gaping



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



Reply Favorite

Date: April 18th, 2016 9:50 AM
Author: Harsh Principal's Office Dysfunction

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: histrionic center gaping



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



Reply Favorite

Date: July 8th, 2017 11:01 AM
Author: Heady charcoal tank locale

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: brass overrated filthpig

*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: thriller mother selfie

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: supple weed whacker

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: thriller mother selfie

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: Pink institution boistinker

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: laughsome theater stage

cr

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



Reply Favorite

Date: September 29th, 2016 10:24 AM
Author: razzle striped hyena

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: histrionic center gaping



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



Reply Favorite

Date: September 29th, 2016 1:21 PM
Author: Sinister Carnelian Headpube

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: greedy resort

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)



Reply Favorite

Date: September 29th, 2016 2:12 PM
Author: aggressive primrose temple

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: greedy resort



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



Reply Favorite

Date: February 20th, 2017 8:11 AM
Author: Saffron Church Idiot

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: Saffron Church Idiot



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



Reply Favorite

Date: July 8th, 2017 9:40 AM
Author: Exciting sienna property shitlib

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: territorial stead

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: frum crimson idea he suggested

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: territorial stead

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: frum crimson idea he suggested

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: Comical ratface nursing home

(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: Talking liquid oxygen

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

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

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



Reply Favorite

Date: July 8th, 2017 10:05 AM
Author: Saffron Church Idiot

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: frum crimson idea he suggested

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: Motley Snowy Address

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: Flickering cream corner death wish

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: razzle striped hyena



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



Reply Favorite

Date: July 8th, 2017 12:30 PM
Author: Motley Snowy Address

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: gay know-it-all goyim

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: Motley Snowy Address

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: gay know-it-all goyim

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: razzle striped hyena

CR

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



Reply Favorite

Date: July 8th, 2017 12:32 PM
Author: razzle striped hyena

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: Motley Snowy Address

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: razzle striped hyena

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: Sexy mad-dog skullcap

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: Low-t stock car senate

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: Burgundy Dilemma

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: Sexy mad-dog skullcap

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: irradiated bull headed hospital

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: Cracking Field Background Story



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



Reply Favorite

Date: August 23rd, 2017 11:19 AM
Author: Maniacal Public Bath Candlestick Maker

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: histrionic center gaping



(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)