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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...
clear dysfunction bawdyhouse
  02/07/14
(Dave Ramsey)
learning disabled comical pit
  12/10/14
Germany bull
alcoholic legend
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
razzmatazz fuchsia gas station
  02/07/14
...
khaki native boistinker
  02/08/14
yep
chrome national
  02/07/14
what is the apr on this
lemon box office
  02/07/14
12% lol.
stubborn dragon crotch
  02/07/14
fucking boomers
bull headed theatre
  02/07/14
...
may his bones be crushed
  04/13/26
...
clear dysfunction bawdyhouse
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
Floppy beta deer antler property
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
aqua dopamine
  02/07/14
180
Floppy beta deer antler property
  02/07/14
...
Fiercely-loyal Center
  02/08/14
...
poppy cocky church building internal respiration
  02/13/15
...
Bearded diverse theater pocket flask
  04/18/16
...
Floppy beta deer antler property
  02/20/17
...
rough-skinned peach giraffe library
  02/20/17
...
Bearded diverse theater pocket flask
  07/08/17
...
clear dysfunction bawdyhouse
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
Floppy beta deer antler property
  02/07/14
...
clear dysfunction bawdyhouse
  02/07/14
(guy who recently watched The Secret)
Floppy beta deer antler property
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
Floppy beta deer antler property
  02/07/14
(Boomer in 2006 buying third investment property)
Floppy beta deer antler property
  02/07/14
this will not occur over the next 40 years
Excitant nursing home clown
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
Outnumbered adventurous stage roast beef
  02/07/14
...
clear dysfunction bawdyhouse
  02/07/14
Compare the demographics, foreign competition, and regulator...
Excitant nursing home clown
  12/10/14
...
Excitant nursing home clown
  04/18/16
A true genius
Excitant nursing home clown
  09/29/16
...
Kink-friendly rehab persian
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
Excitant nursing home clown
  04/18/16
Just do assume 12% returns for 45 years
slate hairy legs
  02/07/14
...
clear dysfunction bawdyhouse
  02/07/14
CR incredibly retarded
Excitant nursing home clown
  02/07/14
It doesn't change regardless of rate.
Outnumbered adventurous stage roast beef
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
Excitant nursing home clown
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
Dun Area
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
ruby talented karate
  02/07/14
...
clear dysfunction bawdyhouse
  02/07/14
this will not be the case for the next 50 years
Excitant nursing home clown
  02/07/14
(Suze Orman after a few too many glasses of wine)
lake site reading party
  02/07/14
lol'd
arousing tattoo jew
  04/18/16
haha
shimmering autistic main people
  09/29/16
...
Floppy beta deer antler property
  02/20/17
...
Outnumbered adventurous stage roast beef
  02/20/17
...
razzle-dazzle brilliant striped hyena
  02/20/17
...
Vigorous nudist potus
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
Bisexual stirring people who are hurt
  02/07/14
...
clear dysfunction bawdyhouse
  02/07/14
Not if returns were negative when/in the years immediately f...
Bisexual stirring people who are hurt
  02/07/14
...
clear dysfunction bawdyhouse
  02/07/14
? All the hypo supposes is that you start investing in yo...
Bisexual stirring people who are hurt
  02/07/14
...
clear dysfunction bawdyhouse
  02/07/14
YOUR personal rate of return is different from the market's ...
Bisexual stirring people who are hurt
  02/07/14
...
clear dysfunction bawdyhouse
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
Bisexual stirring people who are hurt
  02/07/14
...
clear dysfunction bawdyhouse
  02/07/14
you realize that to obtain the returns you stated above, one...
aqua dopamine
  02/07/14
...
clear dysfunction bawdyhouse
  02/07/14
jfc why does she write shit like this
charismatic hell
  07/09/17
This is true for everything ever.
Fishy principal's office
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
stubborn dragon crotch
  02/07/14
U r 36? LOLOL
razzmatazz fuchsia gas station
  02/07/14
34 but I put more money than $2000 per year in there.
stubborn dragon crotch
  02/07/14
Damen. How does it feel to be literally half done with life?
razzmatazz fuchsia gas station
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
stubborn dragon crotch
  02/07/14
Goal retirement age??
razzmatazz fuchsia gas station
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
stubborn dragon crotch
  02/07/14
Any family pressure to get married??
razzmatazz fuchsia gas station
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
stubborn dragon crotch
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
iridescent ceo lettuce
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
Galvanic godawful field
  02/07/14
...
clear dysfunction bawdyhouse
  02/07/14
Doctors are done here
razzmatazz fuchsia gas station
  02/07/14
...
Brass candlestick maker
  02/13/15
...
ultramarine boyish indirect expression locale
  02/20/17
...
hairraiser parlour famous landscape painting
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
stubborn dragon crotch
  02/07/14
What were u doing at 22?
razzmatazz fuchsia gas station
  02/07/14
crappy consulting firm do municipal bond analysis.
stubborn dragon crotch
  02/07/14
you should've gone into finance, instead. you'd have a milli...
Bisexual stirring people who are hurt
  02/07/14
I was too lazy in college, but yeah would have been a good i...
stubborn dragon crotch
  02/07/14
$38k was a decent starting salary in 1995...?
crusty sanctuary
  02/08/14
my gf doesn't even have a credit card. she's 24
exciting crimson point juggernaut
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
odious mahogany partner windowlicker
  02/07/14
...
clear dysfunction bawdyhouse
  02/07/14
yes arthur is fucked, ben pwns him
odious mahogany partner windowlicker
  02/07/14
Twist: Arthur was swimming in student loan debt
Floppy beta deer antler property
  02/07/14
...
lascivious flesh roommate hominid
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
magenta bat-shit-crazy brunch
  02/07/14
...
Vivacious High-end Set Circlehead
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
Gold boiling water temple
  02/07/14
True, the idea that investing early is a good idea sure didn...
magenta bat-shit-crazy brunch
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
irradiated opaque school
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
irradiated opaque school
  07/08/17
Right. The person who started investing earlier is still in ...
Contagious Kitty
  07/09/17
I think the more interesting hypo is a guy who starts invest...
Mustard erotic old irish cottage
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
Vivacious High-end Set Circlehead
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
Ruddy cerebral private investor
  02/07/14
I still think it's more credited to maintain liquidity and i...
Big pistol
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
stubborn dragon crotch
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
magenta bat-shit-crazy brunch
  02/07/14
(cgm)
Pea-brained dead place of business dilemma
  02/07/14
What does this look like if you assume 6% returns?
Exhilarant red space halford
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
Provocative jet digit ratio
  02/08/14
...
clear dysfunction bawdyhouse
  02/17/14
not really. my parents had very little just 20 years ago...
harsh translucent menage
  02/08/14
...
clear dysfunction bawdyhouse
  02/10/14
...
aphrodisiac skinny woman
  07/08/17
So your telling me that if I make a lot of money ill do well...
mentally impaired sexy stock car cruise ship
  12/10/14
...
clear dysfunction bawdyhouse
  05/14/14
...
clear dysfunction bawdyhouse
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
Black Trailer Park Really Tough Guy
  12/10/14
...
clear dysfunction bawdyhouse
  12/10/14
...
clear dysfunction bawdyhouse
  02/13/15
this is retarded. for most of us, that would have meant soc...
glittery piazza community account
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
Brass candlestick maker
  02/13/15
...
clear dysfunction bawdyhouse
  02/13/15
we're in a bubble right now, so all of those figures are bul...
glittery piazza community account
  02/13/15
...
clear dysfunction bawdyhouse
  02/13/15
A year later after bitching in this thread, I have fucking $...
stubborn dragon crotch
  02/13/15
...
clear dysfunction bawdyhouse
  02/13/15
What has your APR been?
spectacular orchestra pit volcanic crater
  02/13/15
how much money did you have in cash on the sidelines from th...
Bespoke Abnormal Gaming Laptop Dog Poop
  02/13/15
...
clear dysfunction bawdyhouse
  12/29/15
...
clear dysfunction bawdyhouse
  04/18/16
I remember a teacher showing us this kind of chart back arou...
Very Tactful Wild Range Prole
  04/18/16
wise move
obsidian hyperactive meetinghouse
  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.
jade well-lubricated heaven
  04/18/16
...
clear dysfunction bawdyhouse
  04/18/16
This is false and assumes one continues working a cookie-cut...
harsh translucent menage
  04/18/16
just do >10% growth every year. worked for bernie madoff
titillating electric furnace chad
  04/18/16
This bort is retarded.
Outnumbered adventurous stage roast beef
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
Motley Smoky Public Bath
  04/18/16
...
clear dysfunction bawdyhouse
  04/18/16
you pointed it out above several times, and each time you go...
Motley Smoky Public Bath
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
lilac ticket booth weed whacker
  04/18/16
The real reason this chart is dumb is because of inflation. ...
scarlet goal in life
  04/18/16
...
clear dysfunction bawdyhouse
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
scarlet goal in life
  04/18/16
...
clear dysfunction bawdyhouse
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
turquoise base
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
Ivory international law enforcement agency affirmative action
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
Beady-eyed lodge kitty cat
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
azure buck-toothed water buffalo
  02/20/17
I agree generally that returns will be lower. But if you ask...
Beady-eyed lodge kitty cat
  02/20/17
saving for retirement is flame. just slide and let do
Fragrant Shrine
  04/18/16
cr
Motley Smoky Public Bath
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
hairraiser parlour famous landscape painting
  09/29/16
...
clear dysfunction bawdyhouse
  09/29/16
How do they get 10% retune every year
Green corner foreskin
  09/29/16
noob investor question, but isn't this idea kind of self per...
canary cracking son of senegal shitlib
  09/29/16
Student loan interest exceeds most investment returns so tha...
Black Trailer Park Really Tough Guy
  09/29/16
...
canary cracking son of senegal shitlib
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
garnet half-breed
  02/20/17
...
garnet half-breed
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
Deranged school cafeteria
  07/08/17
COMPOUND INT--*nuke melts face*
heady station newt
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
Low-t angry step-uncle's house
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
heady station newt
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
Low-t angry step-uncle's house
  07/08/17
(Not a rental property owner)
Excitant nursing home clown
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
Contagious Kitty
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
garnet half-breed
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
Low-t angry step-uncle's house
  07/08/17
now show me the table for $300K at 8% in student loans
Laughsome headpube
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
copper psychic
  07/08/17
...
hairraiser parlour famous landscape painting
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
Laughsome headpube
  07/08/17
data entry
aphrodisiac skinny woman
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
Laughsome headpube
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
aphrodisiac skinny woman
  07/08/17
CR
hairraiser parlour famous landscape painting
  07/08/17
Admin assistant
hairraiser parlour famous landscape painting
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
Laughsome headpube
  07/08/17
According to the chart all you need to invest is like 2k a y...
hairraiser parlour famous landscape painting
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
Amethyst Gunner
  07/08/17
things barzini knew and did that you did not for $200, alex
lascivious flesh roommate hominid
  07/09/17
I think a much more sure bet is Social Security taxes being ...
trip organic girlfriend casino
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
Amethyst Gunner
  07/08/17
Investment compounding is the single biggest scam the inve...
Provocative jet digit ratio
  07/09/17
...
cordovan stimulating quadroon
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
Vigorous nudist potus
  08/23/17
...
clear dysfunction bawdyhouse
  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: clear dysfunction bawdyhouse

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: learning disabled comical pit

(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: alcoholic legend
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: razzmatazz fuchsia gas station

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: khaki native boistinker



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: chrome national

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: lemon box office

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: stubborn dragon crotch

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: bull headed theatre

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: clear dysfunction bawdyhouse



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Floppy beta deer antler property

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: aqua dopamine

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: Floppy beta deer antler property

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: Fiercely-loyal Center



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: poppy cocky church building internal respiration



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: Bearded diverse theater pocket flask



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: Floppy beta deer antler property



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: rough-skinned peach giraffe library



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: Bearded diverse theater pocket flask



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: clear dysfunction bawdyhouse



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Floppy beta deer antler property

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: clear dysfunction bawdyhouse



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Floppy beta deer antler property

(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: Floppy beta deer antler property

(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: Floppy beta deer antler property

(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: Excitant nursing home clown

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: Outnumbered adventurous stage roast beef

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: clear dysfunction bawdyhouse



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: Excitant nursing home clown

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: Excitant nursing home clown



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: Excitant nursing home clown

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: Kink-friendly rehab persian



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: Excitant nursing home clown

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: slate hairy legs

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: clear dysfunction bawdyhouse



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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: Excitant nursing home clown

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: Outnumbered adventurous stage roast beef

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: Excitant nursing home clown

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: Dun Area

(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: ruby talented karate

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: clear dysfunction bawdyhouse



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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: Excitant nursing home clown

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: lake site reading party

(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: arousing tattoo jew

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: shimmering autistic main people

haha

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



Reply Favorite

Date: February 20th, 2017 1:49 AM
Author: Floppy beta deer antler property



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



Reply Favorite

Date: February 20th, 2017 8:38 AM
Author: Outnumbered adventurous stage roast beef



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: razzle-dazzle brilliant striped hyena



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: Vigorous nudist potus



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Bisexual stirring people who are hurt

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: clear dysfunction bawdyhouse



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Bisexual stirring people who are hurt

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: clear dysfunction bawdyhouse



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: Bisexual stirring people who are hurt

?

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: clear dysfunction bawdyhouse



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Bisexual stirring people who are hurt

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: clear dysfunction bawdyhouse



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



Reply Favorite

Date: February 7th, 2014 4:13 PM
Author: Bisexual stirring people who are hurt

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: clear dysfunction bawdyhouse



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



Reply Favorite

Date: February 7th, 2014 4:35 PM
Author: aqua dopamine

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: clear dysfunction bawdyhouse



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



Reply Favorite

Date: July 9th, 2017 11:26 AM
Author: charismatic hell

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: Fishy principal's office

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: stubborn dragon crotch

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: razzmatazz fuchsia gas station

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: stubborn dragon crotch

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: razzmatazz fuchsia gas station

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: stubborn dragon crotch

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: razzmatazz fuchsia gas station

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: stubborn dragon crotch

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: razzmatazz fuchsia gas station

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: stubborn dragon crotch

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: iridescent ceo lettuce

(39-year-old, MAF troll)

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



Reply Favorite

Date: February 7th, 2014 3:38 PM
Author: Galvanic godawful field

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: clear dysfunction bawdyhouse



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: razzmatazz fuchsia gas station

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: Brass candlestick maker



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: ultramarine boyish indirect expression locale



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: hairraiser parlour famous landscape painting



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: stubborn dragon crotch

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: razzmatazz fuchsia gas station

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: stubborn dragon crotch

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: Bisexual stirring people who are hurt

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: stubborn dragon crotch

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: crusty sanctuary

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

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



Reply Favorite

Date: April 18th, 2016 9:49 AM
Author: exciting crimson point juggernaut

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: odious mahogany partner windowlicker

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: clear dysfunction bawdyhouse



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: odious mahogany partner windowlicker

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: Floppy beta deer antler property

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: lascivious flesh roommate hominid



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



Reply Favorite

Date: February 7th, 2014 4:01 PM
Author: magenta bat-shit-crazy brunch

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: Vivacious High-end Set Circlehead



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



Reply Favorite

Date: February 7th, 2014 4:08 PM
Author: Gold boiling water temple

*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: magenta bat-shit-crazy brunch

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: irradiated opaque school

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: irradiated opaque school

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: Contagious Kitty

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: Mustard erotic old irish cottage

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

Dude waiting until 27 probably was in grad school or something

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



Reply Favorite

Date: February 8th, 2014 8:23 PM
Author: Vivacious High-end Set Circlehead

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: Ruddy cerebral private investor

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: Big pistol

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: stubborn dragon crotch

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: magenta bat-shit-crazy brunch

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: Pea-brained dead place of business dilemma

(cgm)

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



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: Exhilarant red space halford

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: Provocative jet digit ratio

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: clear dysfunction bawdyhouse



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: harsh translucent menage

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: clear dysfunction bawdyhouse



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: aphrodisiac skinny woman



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: mentally impaired sexy stock car cruise ship

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: clear dysfunction bawdyhouse



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: clear dysfunction bawdyhouse



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: Black Trailer Park Really Tough Guy

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: clear dysfunction bawdyhouse



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: clear dysfunction bawdyhouse



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: glittery piazza community account

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: Brass candlestick maker

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: clear dysfunction bawdyhouse



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: glittery piazza community account

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: clear dysfunction bawdyhouse



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: stubborn dragon crotch

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: clear dysfunction bawdyhouse



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



Reply Favorite

Date: February 13th, 2015 5:53 PM
Author: spectacular orchestra pit volcanic crater

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: Bespoke Abnormal Gaming Laptop Dog Poop

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

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



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Date: December 29th, 2015 1:41 PM
Author: clear dysfunction bawdyhouse



(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: clear dysfunction bawdyhouse



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



Reply Favorite

Date: April 18th, 2016 7:47 AM
Author: Very Tactful Wild Range Prole

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: obsidian hyperactive meetinghouse

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: jade well-lubricated heaven

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: clear dysfunction bawdyhouse



(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: harsh translucent menage

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: titillating electric furnace chad

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: Outnumbered adventurous stage roast beef

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: Motley Smoky Public Bath

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: clear dysfunction bawdyhouse



(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: Motley Smoky Public Bath

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: lilac ticket booth weed whacker

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: scarlet goal in life

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: clear dysfunction bawdyhouse



(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: scarlet goal in life

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: clear dysfunction bawdyhouse



(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: turquoise base

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: Ivory international law enforcement agency affirmative action

*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: Beady-eyed lodge kitty cat

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: azure buck-toothed water buffalo

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: Beady-eyed lodge kitty cat

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: Fragrant Shrine

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: Motley Smoky Public Bath

cr

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



Reply Favorite

Date: September 29th, 2016 10:24 AM
Author: hairraiser parlour famous landscape painting

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: clear dysfunction bawdyhouse



(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: Green corner foreskin

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: canary cracking son of senegal shitlib

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: Black Trailer Park Really Tough Guy

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: canary cracking son of senegal shitlib



(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: garnet half-breed

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: garnet half-breed



(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: Deranged school cafeteria

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: heady station newt

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: Low-t angry step-uncle's house

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: heady station newt

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: Low-t angry step-uncle's house

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: Excitant nursing home clown

(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: Contagious Kitty

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: garnet half-breed

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: Low-t angry step-uncle's house

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: Laughsome headpube

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: copper psychic

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: hairraiser parlour famous landscape painting



(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: Laughsome headpube

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: aphrodisiac skinny woman

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: Laughsome headpube

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: aphrodisiac skinny woman

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: hairraiser parlour famous landscape painting

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: hairraiser parlour famous landscape painting

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: Laughsome headpube

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: hairraiser parlour famous landscape painting

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: Amethyst Gunner

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: lascivious flesh roommate hominid

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: trip organic girlfriend casino

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: Amethyst Gunner

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: Provocative jet digit ratio

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: cordovan stimulating quadroon



(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: Vigorous nudist potus

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: clear dysfunction bawdyhouse



(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)