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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...
pink school hairy legs
  02/07/14
(Dave Ramsey)
Greedy sanctuary turdskin
  12/10/14
Germany bull
Effete stock car cuckoldry
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
Ultramarine keepsake machete
  02/07/14
...
dashing sickened lodge
  02/08/14
yep
Supple rusted native new version
  02/07/14
what is the apr on this
Heady theater cuckold
  02/07/14
12% lol.
curious tanning salon faggot firefighter
  02/07/14
fucking boomers
federal irradiated psychic
  02/07/14
...
may his bones be crushed
  04/13/26
...
pink school hairy legs
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
Bearded den haunted graveyard
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
vibrant party of the first part
  02/07/14
180
Bearded den haunted graveyard
  02/07/14
...
electric internet-worthy private investor trust fund
  02/08/14
...
hairraiser heaven friendly grandma
  02/13/15
...
emerald milk love of her life
  04/18/16
...
Bearded den haunted graveyard
  02/20/17
...
Metal property
  02/20/17
...
emerald milk love of her life
  07/08/17
...
pink school hairy legs
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
Bearded den haunted graveyard
  02/07/14
...
pink school hairy legs
  02/07/14
(guy who recently watched The Secret)
Bearded den haunted graveyard
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
Bearded den haunted graveyard
  02/07/14
(Boomer in 2006 buying third investment property)
Bearded den haunted graveyard
  02/07/14
this will not occur over the next 40 years
Chocolate duck-like headpube
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
Bespoke house-broken home really tough guy
  02/07/14
...
pink school hairy legs
  02/07/14
Compare the demographics, foreign competition, and regulator...
Chocolate duck-like headpube
  12/10/14
...
Chocolate duck-like headpube
  04/18/16
A true genius
Chocolate duck-like headpube
  09/29/16
...
milky rigpig incel
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
Chocolate duck-like headpube
  04/18/16
Just do assume 12% returns for 45 years
Comical station people who are hurt
  02/07/14
...
pink school hairy legs
  02/07/14
CR incredibly retarded
Chocolate duck-like headpube
  02/07/14
It doesn't change regardless of rate.
Bespoke house-broken home really tough guy
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
Chocolate duck-like headpube
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
Iridescent Hall
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
Dead appetizing casino
  02/07/14
...
pink school hairy legs
  02/07/14
this will not be the case for the next 50 years
Chocolate duck-like headpube
  02/07/14
(Suze Orman after a few too many glasses of wine)
Lilac dysfunction
  02/07/14
lol'd
Anal karate feces
  04/18/16
haha
sooty office
  09/29/16
...
Bearded den haunted graveyard
  02/20/17
...
Bespoke house-broken home really tough guy
  02/20/17
...
claret rambunctious public bath trump supporter
  02/20/17
...
Gay Stimulating Orchestra Pit
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
diverse orchid chapel personal credit line
  02/07/14
...
pink school hairy legs
  02/07/14
Not if returns were negative when/in the years immediately f...
diverse orchid chapel personal credit line
  02/07/14
...
pink school hairy legs
  02/07/14
? All the hypo supposes is that you start investing in yo...
diverse orchid chapel personal credit line
  02/07/14
...
pink school hairy legs
  02/07/14
YOUR personal rate of return is different from the market's ...
diverse orchid chapel personal credit line
  02/07/14
...
pink school hairy legs
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
diverse orchid chapel personal credit line
  02/07/14
...
pink school hairy legs
  02/07/14
you realize that to obtain the returns you stated above, one...
vibrant party of the first part
  02/07/14
...
pink school hairy legs
  02/07/14
jfc why does she write shit like this
Green fluffy blood rage
  07/09/17
This is true for everything ever.
provocative sandwich puppy
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
curious tanning salon faggot firefighter
  02/07/14
U r 36? LOLOL
Ultramarine keepsake machete
  02/07/14
34 but I put more money than $2000 per year in there.
curious tanning salon faggot firefighter
  02/07/14
Damen. How does it feel to be literally half done with life?
Ultramarine keepsake machete
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
curious tanning salon faggot firefighter
  02/07/14
Goal retirement age??
Ultramarine keepsake machete
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
curious tanning salon faggot firefighter
  02/07/14
Any family pressure to get married??
Ultramarine keepsake machete
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
curious tanning salon faggot firefighter
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
tan ladyboy
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
Mildly Autistic Navy Whorehouse
  02/07/14
...
pink school hairy legs
  02/07/14
Doctors are done here
Ultramarine keepsake machete
  02/07/14
...
Spruce principal's office
  02/13/15
...
motley gold pocket flask
  02/20/17
...
Translucent factory reset button
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
curious tanning salon faggot firefighter
  02/07/14
What were u doing at 22?
Ultramarine keepsake machete
  02/07/14
crappy consulting firm do municipal bond analysis.
curious tanning salon faggot firefighter
  02/07/14
you should've gone into finance, instead. you'd have a milli...
diverse orchid chapel personal credit line
  02/07/14
I was too lazy in college, but yeah would have been a good i...
curious tanning salon faggot firefighter
  02/07/14
$38k was a decent starting salary in 1995...?
excitant pale national scourge upon the earth
  02/08/14
my gf doesn't even have a credit card. she's 24
Medicated kitchen newt
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
Cerebral doctorate gaming laptop
  02/07/14
...
pink school hairy legs
  02/07/14
yes arthur is fucked, ben pwns him
Cerebral doctorate gaming laptop
  02/07/14
Twist: Arthur was swimming in student loan debt
Bearded den haunted graveyard
  02/07/14
...
honey-headed swashbuckling nowag coffee pot
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
Frisky gunner
  02/07/14
...
crystalline idea he suggested stead
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
mentally impaired elastic band
  02/07/14
True, the idea that investing early is a good idea sure didn...
Frisky gunner
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
Bronze stirring lettuce location
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
Bronze stirring lettuce location
  07/08/17
Right. The person who started investing earlier is still in ...
Racy Dun Persian
  07/09/17
I think the more interesting hypo is a guy who starts invest...
sienna pistol
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
crystalline idea he suggested stead
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
180 saffron corn cake
  02/07/14
I still think it's more credited to maintain liquidity and i...
insanely creepy stage liquid oxygen
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
curious tanning salon faggot firefighter
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
Frisky gunner
  02/07/14
(cgm)
Elite chestnut dog poop hell
  02/07/14
What does this look like if you assume 6% returns?
bipolar soul-stirring roast beef business firm
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
Marvelous Useless Box Office
  02/08/14
...
pink school hairy legs
  02/17/14
not really. my parents had very little just 20 years ago...
histrionic address legend
  02/08/14
...
pink school hairy legs
  02/10/14
...
Bonkers charcoal church goyim
  07/08/17
So your telling me that if I make a lot of money ill do well...
Godawful copper resort
  12/10/14
...
pink school hairy legs
  05/14/14
...
pink school hairy legs
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
Mustard forum
  12/10/14
...
pink school hairy legs
  12/10/14
...
pink school hairy legs
  02/13/15
this is retarded. for most of us, that would have meant soc...
Maize Hospital
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
Spruce principal's office
  02/13/15
...
pink school hairy legs
  02/13/15
we're in a bubble right now, so all of those figures are bul...
Maize Hospital
  02/13/15
...
pink school hairy legs
  02/13/15
A year later after bitching in this thread, I have fucking $...
curious tanning salon faggot firefighter
  02/13/15
...
pink school hairy legs
  02/13/15
What has your APR been?
Garnet mind-boggling black woman garrison
  02/13/15
how much money did you have in cash on the sidelines from th...
twinkling rough-skinned school cafeteria
  02/13/15
...
pink school hairy legs
  12/29/15
...
pink school hairy legs
  04/18/16
I remember a teacher showing us this kind of chart back arou...
clear background story dilemma
  04/18/16
wise move
Bateful Lake National Security Agency
  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.
Bright lascivious nursing home masturbator
  04/18/16
...
pink school hairy legs
  04/18/16
This is false and assumes one continues working a cookie-cut...
histrionic address legend
  04/18/16
just do >10% growth every year. worked for bernie madoff
Irate stag film
  04/18/16
This bort is retarded.
Bespoke house-broken home really tough guy
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
turquoise aromatic field
  04/18/16
...
pink school hairy legs
  04/18/16
you pointed it out above several times, and each time you go...
turquoise aromatic field
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
Impertinent Disgusting Gaping
  04/18/16
The real reason this chart is dumb is because of inflation. ...
dull ticket booth
  04/18/16
...
pink school hairy legs
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
dull ticket booth
  04/18/16
...
pink school hairy legs
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
glittery water buffalo
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
Odious trailer park
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
yapping khaki brethren
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
smoky disturbing partner
  02/20/17
I agree generally that returns will be lower. But if you ask...
yapping khaki brethren
  02/20/17
saving for retirement is flame. just slide and let do
Plum Misanthropic Site Quadroon
  04/18/16
cr
turquoise aromatic field
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
Translucent factory reset button
  09/29/16
...
pink school hairy legs
  09/29/16
How do they get 10% retune every year
Galvanic hissy fit
  09/29/16
noob investor question, but isn't this idea kind of self per...
Amethyst Aphrodisiac Brunch Bbw
  09/29/16
Student loan interest exceeds most investment returns so tha...
Mustard forum
  09/29/16
...
Amethyst Aphrodisiac Brunch Bbw
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
Red exhilarant cumskin double fault
  02/20/17
...
Red exhilarant cumskin double fault
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
Coral Mad Cow Disease
  07/08/17
COMPOUND INT--*nuke melts face*
Boyish prole gas station
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
spectacular dark stage tattoo
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
Boyish prole gas station
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
spectacular dark stage tattoo
  07/08/17
(Not a rental property owner)
Chocolate duck-like headpube
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
Racy Dun Persian
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
Red exhilarant cumskin double fault
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
spectacular dark stage tattoo
  07/08/17
now show me the table for $300K at 8% in student loans
Vigorous immigrant lay
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
exciting university
  07/08/17
...
Translucent factory reset button
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
Vigorous immigrant lay
  07/08/17
data entry
Bonkers charcoal church goyim
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
Vigorous immigrant lay
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
Bonkers charcoal church goyim
  07/08/17
CR
Translucent factory reset button
  07/08/17
Admin assistant
Translucent factory reset button
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
Vigorous immigrant lay
  07/08/17
According to the chart all you need to invest is like 2k a y...
Translucent factory reset button
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
silver charismatic rehab
  07/08/17
things barzini knew and did that you did not for $200, alex
honey-headed swashbuckling nowag coffee pot
  07/09/17
I think a much more sure bet is Social Security taxes being ...
Indigo adulterous sneaky criminal becky
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
silver charismatic rehab
  07/08/17
Investment compounding is the single biggest scam the inve...
Marvelous Useless Box Office
  07/09/17
...
vermilion thriller toilet seat market
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
Gay Stimulating Orchestra Pit
  08/23/17
...
pink school hairy legs
  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: pink school hairy legs

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: Greedy sanctuary turdskin

(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: Effete stock car cuckoldry
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: Ultramarine keepsake machete

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: dashing sickened lodge



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: Supple rusted native new version

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: Heady theater cuckold

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: curious tanning salon faggot firefighter

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: federal irradiated psychic

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: pink school hairy legs



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Bearded den haunted graveyard

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: vibrant party of the first part

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: Bearded den haunted graveyard

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: electric internet-worthy private investor trust fund



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: hairraiser heaven friendly grandma



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: emerald milk love of her life



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: Bearded den haunted graveyard



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: Metal property



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: emerald milk love of her life



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: pink school hairy legs



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Bearded den haunted graveyard

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: pink school hairy legs



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Bearded den haunted graveyard

(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: Bearded den haunted graveyard

(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: Bearded den haunted graveyard

(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: Chocolate duck-like headpube

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: Bespoke house-broken home really tough guy

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: pink school hairy legs



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: Chocolate duck-like headpube

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: Chocolate duck-like headpube



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: Chocolate duck-like headpube

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: milky rigpig incel



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: Chocolate duck-like headpube

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: Comical station people who are hurt

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: pink school hairy legs



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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: Chocolate duck-like headpube

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: Bespoke house-broken home really tough guy

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: Chocolate duck-like headpube

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: Iridescent Hall

(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: Dead appetizing casino

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: pink school hairy legs



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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: Chocolate duck-like headpube

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: Lilac dysfunction

(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: Anal karate feces

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: sooty office

haha

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



Reply Favorite

Date: February 20th, 2017 1:49 AM
Author: Bearded den haunted graveyard



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



Reply Favorite

Date: February 20th, 2017 8:38 AM
Author: Bespoke house-broken home really tough guy



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: claret rambunctious public bath trump supporter



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: Gay Stimulating Orchestra Pit



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: diverse orchid chapel personal credit line

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: pink school hairy legs



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: diverse orchid chapel personal credit line

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: pink school hairy legs



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: diverse orchid chapel personal credit line

?

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: pink school hairy legs



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: diverse orchid chapel personal credit line

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: pink school hairy legs



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



Reply Favorite

Date: February 7th, 2014 4:13 PM
Author: diverse orchid chapel personal credit line

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: pink school hairy legs



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



Reply Favorite

Date: February 7th, 2014 4:35 PM
Author: vibrant party of the first part

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: pink school hairy legs



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



Reply Favorite

Date: July 9th, 2017 11:26 AM
Author: Green fluffy blood rage

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: provocative sandwich puppy

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: curious tanning salon faggot firefighter

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: Ultramarine keepsake machete

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: curious tanning salon faggot firefighter

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: Ultramarine keepsake machete

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: curious tanning salon faggot firefighter

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: Ultramarine keepsake machete

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: curious tanning salon faggot firefighter

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: Ultramarine keepsake machete

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: curious tanning salon faggot firefighter

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: tan ladyboy

(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: Mildly Autistic Navy Whorehouse

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: pink school hairy legs



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Ultramarine keepsake machete

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: Spruce principal's office



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: motley gold pocket flask



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: Translucent factory reset button



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: curious tanning salon faggot firefighter

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: Ultramarine keepsake machete

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: curious tanning salon faggot firefighter

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: diverse orchid chapel personal credit line

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: curious tanning salon faggot firefighter

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: excitant pale national scourge upon the earth

$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: Medicated kitchen newt

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: Cerebral doctorate gaming laptop

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: pink school hairy legs



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: Cerebral doctorate gaming laptop

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: Bearded den haunted graveyard

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: honey-headed swashbuckling nowag coffee pot



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



Reply Favorite

Date: February 7th, 2014 4:01 PM
Author: Frisky gunner

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 idea he suggested stead



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



Reply Favorite

Date: February 7th, 2014 4:08 PM
Author: mentally impaired elastic band

*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: Frisky gunner

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: Bronze stirring lettuce location

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: Bronze stirring lettuce location

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: Racy Dun Persian

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: sienna pistol

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 idea he suggested stead

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: 180 saffron corn cake

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: insanely creepy stage liquid oxygen

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: curious tanning salon faggot firefighter

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: Frisky gunner

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: Elite chestnut dog poop hell

(cgm)

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



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: bipolar soul-stirring roast beef business firm

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: Marvelous Useless Box Office

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: pink school hairy legs



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: histrionic address legend

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: pink school hairy legs



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: Bonkers charcoal church goyim



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: Godawful copper resort

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: pink school hairy legs



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: pink school hairy legs



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: Mustard forum

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: pink school hairy legs



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: pink school hairy legs



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: Maize Hospital

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: Spruce principal's office

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: pink school hairy legs



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: Maize Hospital

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: pink school hairy legs



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: curious tanning salon faggot firefighter

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: pink school hairy legs



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



Reply Favorite

Date: February 13th, 2015 5:53 PM
Author: Garnet mind-boggling black woman garrison

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: twinkling rough-skinned school cafeteria

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: pink school hairy legs



(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: pink school hairy legs



(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: clear background story dilemma

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: Bateful Lake National Security Agency

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: Bright lascivious nursing home masturbator

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: pink school hairy legs



(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: histrionic address legend

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: Irate stag film

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: Bespoke house-broken home really tough guy

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: turquoise aromatic field

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: pink school hairy legs



(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: turquoise aromatic field

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: Impertinent Disgusting Gaping

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: dull ticket booth

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: pink school hairy legs



(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: dull ticket booth

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: pink school hairy legs



(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: glittery water buffalo

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: Odious trailer park

*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: yapping khaki brethren

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: smoky disturbing partner

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: yapping khaki brethren

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: Plum Misanthropic Site Quadroon

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: turquoise aromatic field

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: Translucent factory reset button

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: pink school hairy legs



(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: Galvanic hissy fit

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: Amethyst Aphrodisiac Brunch Bbw

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

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

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



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Date: September 29th, 2016 2:12 PM
Author: Mustard forum

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: Amethyst Aphrodisiac Brunch Bbw



(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: Red exhilarant cumskin double fault

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: Red exhilarant cumskin double fault



(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: Coral Mad Cow Disease

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: Boyish prole gas station

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: spectacular dark stage tattoo

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: Boyish prole gas station

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: spectacular dark stage tattoo

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: Chocolate duck-like headpube

(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: Racy Dun Persian

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: Red exhilarant cumskin double fault

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: spectacular dark stage tattoo

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: Vigorous immigrant lay

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

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



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Date: July 8th, 2017 12:13 PM
Author: exciting university

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: Translucent factory reset button



(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: Vigorous immigrant lay

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

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



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Date: July 8th, 2017 12:32 PM
Author: Bonkers charcoal church goyim

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: Vigorous immigrant lay

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

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



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Date: July 8th, 2017 1:03 PM
Author: Bonkers charcoal church 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)



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Date: July 8th, 2017 1:04 PM
Author: Translucent factory reset button

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: Translucent factory reset button

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: Vigorous immigrant lay

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

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



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Date: July 8th, 2017 12:57 PM
Author: Translucent factory reset button

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: silver charismatic rehab

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: honey-headed swashbuckling nowag coffee pot

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: Indigo adulterous sneaky criminal becky

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: silver charismatic rehab

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: Marvelous Useless Box Office

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: vermilion thriller toilet seat market



(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: Gay Stimulating Orchestra Pit

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: pink school hairy legs



(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)