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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...
misunderstood red stage reading party
  02/07/14
(Dave Ramsey)
plum mentally impaired foreskin
  12/10/14
Germany bull
Swashbuckling stock car regret
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
Provocative Demanding Psychic
  02/07/14
...
Exciting resort kitty cat
  02/08/14
yep
blue cracking gay wizard boltzmann
  02/07/14
what is the apr on this
black overrated indian lodge cumskin
  02/07/14
12% lol.
maroon selfie
  02/07/14
fucking boomers
bearded federal location
  02/07/14
...
may his bones be crushed
  04/13/26
...
misunderstood red stage reading party
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
Spruce goal in life bbw
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
Talented old irish cottage
  02/07/14
180
Spruce goal in life bbw
  02/07/14
...
carmine house-broken crackhouse
  02/08/14
...
Arrogant Cheese-eating Set
  02/13/15
...
Brilliant doobsian boiling water milk
  04/18/16
...
Spruce goal in life bbw
  02/20/17
...
Aphrodisiac sanctuary international law enforcement agency
  02/20/17
...
Brilliant doobsian boiling water milk
  07/08/17
...
misunderstood red stage reading party
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
Spruce goal in life bbw
  02/07/14
...
misunderstood red stage reading party
  02/07/14
(guy who recently watched The Secret)
Spruce goal in life bbw
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
Spruce goal in life bbw
  02/07/14
(Boomer in 2006 buying third investment property)
Spruce goal in life bbw
  02/07/14
this will not occur over the next 40 years
Alcoholic cream prole
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
navy heady jap
  02/07/14
...
misunderstood red stage reading party
  02/07/14
Compare the demographics, foreign competition, and regulator...
Alcoholic cream prole
  12/10/14
...
Alcoholic cream prole
  04/18/16
A true genius
Alcoholic cream prole
  09/29/16
...
disturbing yellow university knife
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
Alcoholic cream prole
  04/18/16
Just do assume 12% returns for 45 years
abnormal giraffe
  02/07/14
...
misunderstood red stage reading party
  02/07/14
CR incredibly retarded
Alcoholic cream prole
  02/07/14
It doesn't change regardless of rate.
navy heady jap
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
Alcoholic cream prole
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
Salmon church turdskin
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
fantasy-prone theater stage incel
  02/07/14
...
misunderstood red stage reading party
  02/07/14
this will not be the case for the next 50 years
Alcoholic cream prole
  02/07/14
(Suze Orman after a few too many glasses of wine)
Useless candlestick maker senate
  02/07/14
lol'd
floppy meetinghouse half-breed
  04/18/16
haha
wonderful principal's office
  09/29/16
...
Spruce goal in life bbw
  02/20/17
...
navy heady jap
  02/20/17
...
Free-loading Claret Mexican
  02/20/17
...
Chestnut sexy parlor messiness
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
Cordovan buck-toothed place of business
  02/07/14
...
misunderstood red stage reading party
  02/07/14
Not if returns were negative when/in the years immediately f...
Cordovan buck-toothed place of business
  02/07/14
...
misunderstood red stage reading party
  02/07/14
? All the hypo supposes is that you start investing in yo...
Cordovan buck-toothed place of business
  02/07/14
...
misunderstood red stage reading party
  02/07/14
YOUR personal rate of return is different from the market's ...
Cordovan buck-toothed place of business
  02/07/14
...
misunderstood red stage reading party
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
Cordovan buck-toothed place of business
  02/07/14
...
misunderstood red stage reading party
  02/07/14
you realize that to obtain the returns you stated above, one...
Talented old irish cottage
  02/07/14
...
misunderstood red stage reading party
  02/07/14
jfc why does she write shit like this
Grizzly irradiated mental disorder puppy
  07/09/17
This is true for everything ever.
Vibrant Cruise Ship Voyeur
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
maroon selfie
  02/07/14
U r 36? LOLOL
Provocative Demanding Psychic
  02/07/14
34 but I put more money than $2000 per year in there.
maroon selfie
  02/07/14
Damen. How does it feel to be literally half done with life?
Provocative Demanding Psychic
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
maroon selfie
  02/07/14
Goal retirement age??
Provocative Demanding Psychic
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
maroon selfie
  02/07/14
Any family pressure to get married??
Provocative Demanding Psychic
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
maroon selfie
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
yapping supple tattoo
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
Irate market
  02/07/14
...
misunderstood red stage reading party
  02/07/14
Doctors are done here
Provocative Demanding Psychic
  02/07/14
...
galvanic french chef striped hyena
  02/13/15
...
topaz filthy roast beef theater
  02/20/17
...
Cobalt 180 abode police squad
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
maroon selfie
  02/07/14
What were u doing at 22?
Provocative Demanding Psychic
  02/07/14
crappy consulting firm do municipal bond analysis.
maroon selfie
  02/07/14
you should've gone into finance, instead. you'd have a milli...
Cordovan buck-toothed place of business
  02/07/14
I was too lazy in college, but yeah would have been a good i...
maroon selfie
  02/07/14
$38k was a decent starting salary in 1995...?
submissive genital piercing famous landscape painting
  02/08/14
my gf doesn't even have a credit card. she's 24
Comical Area
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
racy jet-lagged fat ankles
  02/07/14
...
misunderstood red stage reading party
  02/07/14
yes arthur is fucked, ben pwns him
racy jet-lagged fat ankles
  02/07/14
Twist: Arthur was swimming in student loan debt
Spruce goal in life bbw
  02/07/14
...
Green Zippy Heaven Gaming Laptop
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
Obsidian idea he suggested
  02/07/14
...
odious slippery gaping
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
Idiotic mind-boggling newt
  02/07/14
True, the idea that investing early is a good idea sure didn...
Obsidian idea he suggested
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
sapphire unholy electric furnace bawdyhouse
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
sapphire unholy electric furnace bawdyhouse
  07/08/17
Right. The person who started investing earlier is still in ...
Slimy excitant cuck
  07/09/17
I think the more interesting hypo is a guy who starts invest...
Lavender swollen garrison weed whacker
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
odious slippery gaping
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
Magenta vivacious shrine
  02/07/14
I still think it's more credited to maintain liquidity and i...
lascivious piazza mad cow disease
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
maroon selfie
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
Obsidian idea he suggested
  02/07/14
(cgm)
Vigorous orange kitchen scourge upon the earth
  02/07/14
What does this look like if you assume 6% returns?
razzle ceo therapy
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
Hideous Home
  02/08/14
...
misunderstood red stage reading party
  02/17/14
not really. my parents had very little just 20 years ago...
Lilac big lodge patrolman
  02/08/14
...
misunderstood red stage reading party
  02/10/14
...
shaky violet pit cuckold
  07/08/17
So your telling me that if I make a lot of money ill do well...
Well-lubricated Charismatic Telephone
  12/10/14
...
misunderstood red stage reading party
  05/14/14
...
misunderstood red stage reading party
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
hairraiser hot travel guidebook
  12/10/14
...
misunderstood red stage reading party
  12/10/14
...
misunderstood red stage reading party
  02/13/15
this is retarded. for most of us, that would have meant soc...
bright stirring orchestra pit windowlicker
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
galvanic french chef striped hyena
  02/13/15
...
misunderstood red stage reading party
  02/13/15
we're in a bubble right now, so all of those figures are bul...
bright stirring orchestra pit windowlicker
  02/13/15
...
misunderstood red stage reading party
  02/13/15
A year later after bitching in this thread, I have fucking $...
maroon selfie
  02/13/15
...
misunderstood red stage reading party
  02/13/15
What has your APR been?
histrionic sweet tailpipe spot
  02/13/15
how much money did you have in cash on the sidelines from th...
Dead seedy hospital haunted graveyard
  02/13/15
...
misunderstood red stage reading party
  12/29/15
...
misunderstood red stage reading party
  04/18/16
I remember a teacher showing us this kind of chart back arou...
sienna concupiscible toilet seat
  04/18/16
wise move
unhinged glittery depressive
  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.
Metal Stimulating Native Hissy Fit
  04/18/16
...
misunderstood red stage reading party
  04/18/16
This is false and assumes one continues working a cookie-cut...
Lilac big lodge patrolman
  04/18/16
just do >10% growth every year. worked for bernie madoff
rusted diverse alpha
  04/18/16
This bort is retarded.
navy heady jap
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
At-the-ready juggernaut
  04/18/16
...
misunderstood red stage reading party
  04/18/16
you pointed it out above several times, and each time you go...
At-the-ready juggernaut
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
disrespectful base
  04/18/16
The real reason this chart is dumb is because of inflation. ...
embarrassed to the bone electric hall
  04/18/16
...
misunderstood red stage reading party
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
embarrassed to the bone electric hall
  04/18/16
...
misunderstood red stage reading party
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
dashing autistic crotch locus
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
canary cerebral step-uncle's house useless brakes
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
mustard wrinkle
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
spectacular station
  02/20/17
I agree generally that returns will be lower. But if you ask...
mustard wrinkle
  02/20/17
saving for retirement is flame. just slide and let do
Opaque Volcanic Crater Forum
  04/18/16
cr
At-the-ready juggernaut
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
Cobalt 180 abode police squad
  09/29/16
...
misunderstood red stage reading party
  09/29/16
How do they get 10% retune every year
splenetic marvelous twinkling uncleanness
  09/29/16
noob investor question, but isn't this idea kind of self per...
Mint sick codepig sex offender
  09/29/16
Student loan interest exceeds most investment returns so tha...
hairraiser hot travel guidebook
  09/29/16
...
Mint sick codepig sex offender
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
Carnelian medicated dragon center
  02/20/17
...
Carnelian medicated dragon center
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
Maniacal indigo institution water buffalo
  07/08/17
COMPOUND INT--*nuke melts face*
Titillating faggotry hominid
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
know-it-all sooty brunch
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
Titillating faggotry hominid
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
know-it-all sooty brunch
  07/08/17
(Not a rental property owner)
Alcoholic cream prole
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
Slimy excitant cuck
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
Carnelian medicated dragon center
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
know-it-all sooty brunch
  07/08/17
now show me the table for $300K at 8% in student loans
gold insane feces
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
Flickering light queen of the night
  07/08/17
...
Cobalt 180 abode police squad
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
gold insane feces
  07/08/17
data entry
shaky violet pit cuckold
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
gold insane feces
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
shaky violet pit cuckold
  07/08/17
CR
Cobalt 180 abode police squad
  07/08/17
Admin assistant
Cobalt 180 abode police squad
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
gold insane feces
  07/08/17
According to the chart all you need to invest is like 2k a y...
Cobalt 180 abode police squad
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
passionate son of senegal
  07/08/17
things barzini knew and did that you did not for $200, alex
Green Zippy Heaven Gaming Laptop
  07/09/17
I think a much more sure bet is Social Security taxes being ...
pink roommate multi-billionaire
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
passionate son of senegal
  07/08/17
Investment compounding is the single biggest scam the inve...
Hideous Home
  07/09/17
...
beady-eyed boistinker private investor
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
Chestnut sexy parlor messiness
  08/23/17
...
misunderstood red stage reading party
  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: misunderstood red stage reading party

https://i.pinimg.com/736x/2e/d6/5d/2ed65d34dbac86519947d298d833de61.jpg

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id.#24973861)



Reply Favorite

Date: December 10th, 2014 4:58 PM
Author: plum mentally impaired foreskin

(Dave Ramsey)

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id.#26902444)



Reply Favorite

Date: September 15th, 2023 12:25 PM
Author: Swashbuckling stock car regret
Subject: Germany bull

https://www.poerkan.com/product/germany-niubian-pills/

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id.#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...id.#49814664)



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: Provocative Demanding Psychic

Brb transferring money to my roth

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id.#24973868)



Reply Favorite

Date: February 8th, 2014 10:44 AM
Author: Exciting resort kitty cat



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: blue cracking gay wizard boltzmann

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: black overrated indian lodge cumskin

what is the apr on this

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id.#24973876)



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: maroon selfie

12% lol.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id.#24973888)



Reply Favorite

Date: February 7th, 2014 3:25 PM
Author: bearded federal location

fucking boomers

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id.#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...id.#49814662)



Reply Favorite

Date: February 7th, 2014 3:28 PM
Author: misunderstood red stage reading party



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Spruce goal in life bbw

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...id.#24973943)



Reply Favorite

Date: February 7th, 2014 3:34 PM
Author: Talented old irish cottage

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...id.#24973956)



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: Spruce goal in life bbw

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: carmine house-broken crackhouse



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: Arrogant Cheese-eating Set



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: Brilliant doobsian boiling water milk



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: Spruce goal in life bbw



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: Aphrodisiac sanctuary international law enforcement agency



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: Brilliant doobsian boiling water milk



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: misunderstood red stage reading party



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Spruce goal in life bbw

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...id.#24974015)



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: misunderstood red stage reading party



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Spruce goal in life bbw

(guy who recently watched The Secret)

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id.#24974037)



Reply Favorite

Date: February 7th, 2014 3:56 PM
Author: Spruce goal in life bbw

(Japanese broker encouraging you to buy the Nikkei in 1989)

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id.#24974074)



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: Spruce goal in life bbw

(Boomer in 2006 buying third investment property)

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id.#24974084)



Reply Favorite

Date: February 7th, 2014 3:59 PM
Author: Alcoholic cream prole

this will not occur over the next 40 years

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id.#24974094)



Reply Favorite

Date: February 7th, 2014 4:36 PM
Author: navy heady jap

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...id.#24974300)



Reply Favorite

Date: February 7th, 2014 4:40 PM
Author: misunderstood red stage reading party



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: Alcoholic cream prole

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...id.#26902473)



Reply Favorite

Date: April 18th, 2016 9:12 AM
Author: Alcoholic cream prole



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: Alcoholic cream prole

A true genius

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id.#31521448)



Reply Favorite

Date: April 18th, 2016 7:41 AM
Author: disturbing yellow university knife



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: Alcoholic cream prole

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...id.#30296264)



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: abnormal giraffe

Just do assume 12% returns for 45 years

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id.#24973884)



Reply Favorite

Date: February 7th, 2014 3:29 PM
Author: misunderstood red stage reading party



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



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Date: February 7th, 2014 3:54 PM
Author: Alcoholic cream prole

CR incredibly retarded

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id.#24974063)



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Date: April 18th, 2016 8:57 AM
Author: navy heady jap

It doesn't change regardless of rate.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id.#30296224)



Reply Favorite

Date: April 18th, 2016 9:13 AM
Author: Alcoholic cream prole

LOL. Yes it does. Try 0% and see what happens.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id.#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...id.#49814669)



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Date: February 20th, 2017 9:25 AM
Author: Salmon church turdskin

(finance genius)

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id.#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...id.#49814641)



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: fantasy-prone theater stage incel

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...id.#24973885)



Reply Favorite

Date: February 7th, 2014 3:29 PM
Author: misunderstood red stage reading party



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



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Date: February 7th, 2014 3:58 PM
Author: Alcoholic cream prole

this will not be the case for the next 50 years



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id.#24974089)



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Useless candlestick maker senate

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

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



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Date: April 18th, 2016 9:35 AM
Author: floppy meetinghouse half-breed

lol'd

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



Reply Favorite

Date: September 29th, 2016 10:24 AM
Author: wonderful principal's office

haha

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



Reply Favorite

Date: February 20th, 2017 1:49 AM
Author: Spruce goal in life bbw



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



Reply Favorite

Date: February 20th, 2017 8:38 AM
Author: navy heady jap



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: Free-loading Claret Mexican



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: Chestnut sexy parlor messiness



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



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Date: February 7th, 2014 3:23 PM
Author: Cordovan buck-toothed place of business

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...id.#24973892)



Reply Favorite

Date: February 7th, 2014 3:30 PM
Author: misunderstood red stage reading party



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



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Date: February 7th, 2014 3:33 PM
Author: Cordovan buck-toothed place of business

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...id.#24973941)



Reply Favorite

Date: February 7th, 2014 3:36 PM
Author: misunderstood red stage reading party



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: Cordovan buck-toothed place of business

?

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...id.#24973993)



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: misunderstood red stage reading party



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



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Date: February 7th, 2014 3:47 PM
Author: Cordovan buck-toothed place of business

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...id.#24974038)



Reply Favorite

Date: February 7th, 2014 3:49 PM
Author: misunderstood red stage reading party



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



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Date: February 7th, 2014 4:13 PM
Author: Cordovan buck-toothed place of business

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...id.#24974177)



Reply Favorite

Date: February 7th, 2014 4:33 PM
Author: misunderstood red stage reading party



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



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Date: February 7th, 2014 4:35 PM
Author: Talented old irish cottage

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...id.#24974293)



Reply Favorite

Date: February 7th, 2014 4:41 PM
Author: misunderstood red stage reading party



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



Reply Favorite

Date: July 9th, 2017 11:26 AM
Author: Grizzly irradiated mental disorder puppy

jfc why does she write shit like this

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id.#33734246)



Reply Favorite

Date: September 29th, 2016 2:14 PM
Author: Vibrant Cruise Ship Voyeur

This is true for everything ever.

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



Reply Favorite

Date: February 7th, 2014 3:25 PM
Author: maroon selfie

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...id.#24973900)



Reply Favorite

Date: February 7th, 2014 3:30 PM
Author: Provocative Demanding Psychic

U r 36? LOLOL

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



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Date: February 7th, 2014 3:31 PM
Author: maroon selfie

34 but I put more money than $2000 per year in there.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id.#24973933)



Reply Favorite

Date: February 7th, 2014 3:36 PM
Author: Provocative Demanding Psychic

Damen. How does it feel to be literally half done with life?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id.#24973972)



Reply Favorite

Date: February 7th, 2014 3:39 PM
Author: maroon selfie

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...id.#24973988)



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: Provocative Demanding Psychic

Goal retirement age??

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id.#24973997)



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: maroon selfie

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...id.#24974009)



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: Provocative Demanding Psychic

Any family pressure to get married??

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id.#24974022)



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: maroon selfie

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...id.#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...id.#49814674)



Reply Favorite

Date: February 7th, 2014 3:32 PM
Author: yapping supple tattoo

(39-year-old, MAF troll)

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



Reply Favorite

Date: February 7th, 2014 3:38 PM
Author: Irate market

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...id.#24973984)



Reply Favorite

Date: February 7th, 2014 3:39 PM
Author: misunderstood red stage reading party



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Provocative Demanding Psychic

Doctors are done here

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id.#24974011)



Reply Favorite

Date: February 13th, 2015 5:32 PM
Author: galvanic french chef striped hyena



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: topaz filthy roast beef theater



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: Cobalt 180 abode police squad



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: maroon selfie

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...id.#24974025)



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: Provocative Demanding Psychic

What were u doing at 22?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id.#24974035)



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: maroon selfie

crappy consulting firm do municipal bond analysis.

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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: Cordovan buck-toothed place of business

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...id.#24974087)



Reply Favorite

Date: February 7th, 2014 3:59 PM
Author: maroon selfie

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...id.#24974092)



Reply Favorite

Date: February 8th, 2014 10:36 AM
Author: submissive genital piercing famous landscape painting

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

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



Reply Favorite

Date: April 18th, 2016 9:49 AM
Author: Comical Area

my gf doesn't even have a credit card. she's 24

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id.#30296392)



Reply Favorite

Date: February 7th, 2014 3:48 PM
Author: racy jet-lagged fat ankles

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...id.#24974041)



Reply Favorite

Date: February 7th, 2014 3:50 PM
Author: misunderstood red stage reading party



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: racy jet-lagged fat ankles

yes arthur is fucked, ben pwns him

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id.#24974080)



Reply Favorite

Date: February 7th, 2014 3:51 PM
Author: Spruce goal in life bbw

Twist: Arthur was swimming in student loan debt

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id.#24974053)



Reply Favorite

Date: February 13th, 2015 5:46 PM
Author: Green Zippy Heaven Gaming Laptop



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



Reply Favorite

Date: February 7th, 2014 4:01 PM
Author: Obsidian idea he suggested

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...id.#24974098)



Reply Favorite

Date: February 8th, 2014 8:23 PM
Author: odious slippery gaping



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



Reply Favorite

Date: February 7th, 2014 4:08 PM
Author: Idiotic mind-boggling newt

*Is guy 1*

*Invests from 2001-2008*

*Is PWND*

*Is guy 2*

*Begins investing in 2008*

*PROFITS*

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id.#24974133)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: Obsidian idea he suggested

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...id.#24974151)



Reply Favorite

Date: September 29th, 2016 1:14 PM
Author: sapphire unholy electric furnace bawdyhouse

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...id.#31521424)



Reply Favorite

Date: July 8th, 2017 10:02 AM
Author: sapphire unholy electric furnace bawdyhouse

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...id.#33727706)



Reply Favorite

Date: July 9th, 2017 10:45 AM
Author: Slimy excitant cuck

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...id.#33734072)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: Lavender swollen garrison weed whacker

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...id.#24974146)



Reply Favorite

Date: February 8th, 2014 8:23 PM
Author: odious slippery gaping

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...id.#24980361)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: Magenta vivacious shrine

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...id.#24974148)



Reply Favorite

Date: February 7th, 2014 4:11 PM
Author: lascivious piazza mad cow disease

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...id.#24974156)



Reply Favorite

Date: February 7th, 2014 4:15 PM
Author: maroon selfie

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...id.#24974195)



Reply Favorite

Date: February 7th, 2014 4:38 PM
Author: Obsidian idea he suggested

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...id.#24974306)



Reply Favorite

Date: February 7th, 2014 4:58 PM
Author: Vigorous orange kitchen scourge upon the earth

(cgm)

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



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: razzle ceo therapy

What does this look like if you assume 6% returns?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id.#24977572)



Reply Favorite

Date: February 8th, 2014 10:51 AM
Author: Hideous Home

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...id.#24977600)



Reply Favorite

Date: February 17th, 2014 11:13 AM
Author: misunderstood red stage reading party



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: Lilac big lodge patrolman

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...id.#24977623)



Reply Favorite

Date: February 10th, 2014 2:32 PM
Author: misunderstood red stage reading party



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: shaky violet pit cuckold



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: Well-lubricated Charismatic Telephone

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...id.#26902507)



Reply Favorite

Date: May 14th, 2014 9:23 AM
Author: misunderstood red stage reading party



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: misunderstood red stage reading party



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: hairraiser hot travel guidebook

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...id.#26902483)



Reply Favorite

Date: December 10th, 2014 5:10 PM
Author: misunderstood red stage reading party



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: misunderstood red stage reading party



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: bright stirring orchestra pit windowlicker

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...id.#27309317)



Reply Favorite

Date: February 13th, 2015 5:35 PM
Author: galvanic french chef striped hyena

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...id.#27309326)



Reply Favorite

Date: February 13th, 2015 5:36 PM
Author: misunderstood red stage reading party



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: bright stirring orchestra pit windowlicker

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...id.#27309354)



Reply Favorite

Date: February 13th, 2015 5:50 PM
Author: misunderstood red stage reading party



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: maroon selfie

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...id.#27309399)



Reply Favorite

Date: February 13th, 2015 5:52 PM
Author: misunderstood red stage reading party



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



Reply Favorite

Date: February 13th, 2015 5:53 PM
Author: histrionic sweet tailpipe spot

What has your APR been?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id.#27309459)



Reply Favorite

Date: February 13th, 2015 6:18 PM
Author: Dead seedy hospital haunted graveyard

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...id.#27309632)



Reply Favorite

Date: December 29th, 2015 1:41 PM
Author: misunderstood red stage reading party



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



Reply Favorite

Date: April 18th, 2016 7:18 AM
Author: misunderstood red stage reading party



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



Reply Favorite

Date: April 18th, 2016 7:47 AM
Author: sienna concupiscible toilet seat

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...id.#30296076)



Reply Favorite

Date: April 18th, 2016 8:17 AM
Author: unhinged glittery depressive

wise move

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



Reply Favorite

Date: April 18th, 2016 7:49 AM
Author: Metal Stimulating Native Hissy Fit

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

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



Reply Favorite

Date: April 18th, 2016 9:40 AM
Author: misunderstood red stage reading party



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



Reply Favorite

Date: April 18th, 2016 7:50 AM
Author: Lilac big lodge patrolman

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...id.#30296082)



Reply Favorite

Date: April 18th, 2016 8:51 AM
Author: rusted diverse alpha

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

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



Reply Favorite

Date: April 18th, 2016 8:57 AM
Author: navy heady jap

This bort is retarded.

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



Reply Favorite

Date: April 18th, 2016 9:04 AM
Author: At-the-ready juggernaut

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...id.#30296237)



Reply Favorite

Date: April 18th, 2016 9:41 AM
Author: misunderstood red stage reading party



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



Reply Favorite

Date: April 18th, 2016 10:04 AM
Author: At-the-ready juggernaut

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...id.#30296421)



Reply Favorite

Date: April 18th, 2016 9:20 AM
Author: disrespectful base

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...id.#30296292)



Reply Favorite

Date: April 18th, 2016 9:20 AM
Author: embarrassed to the bone electric hall

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...id.#30296293)



Reply Favorite

Date: April 18th, 2016 9:45 AM
Author: misunderstood red stage reading party



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



Reply Favorite

Date: April 18th, 2016 9:50 AM
Author: embarrassed to the bone electric hall

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...id.#30296396)



Reply Favorite

Date: April 18th, 2016 10:02 AM
Author: misunderstood red stage reading party



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



Reply Favorite

Date: July 8th, 2017 11:01 AM
Author: dashing autistic crotch locus

Inflation is what, 3%? The real issue is the 12% returns assumed.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id.#33727858)



Reply Favorite

Date: September 15th, 2023 11:41 AM
Author: canary cerebral step-uncle's house useless brakes

*assumes 3% inflation*

*fade in cannibal holocaust theme*

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



Reply Favorite

Date: April 18th, 2016 9:24 AM
Author: mustard wrinkle

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...id.#30296303)



Reply Favorite

Date: February 20th, 2017 3:10 AM
Author: spectacular station

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...id.#32659870)



Reply Favorite

Date: February 20th, 2017 7:57 AM
Author: mustard wrinkle

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...id.#32660046)



Reply Favorite

Date: April 18th, 2016 9:57 AM
Author: Opaque Volcanic Crater Forum

saving for retirement is flame. just slide and let do

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



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Date: April 18th, 2016 10:04 AM
Author: At-the-ready juggernaut

cr

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



Reply Favorite

Date: September 29th, 2016 10:24 AM
Author: Cobalt 180 abode police squad

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

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



Reply Favorite

Date: September 29th, 2016 10:03 AM
Author: misunderstood red stage reading party



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



Reply Favorite

Date: September 29th, 2016 1:21 PM
Author: splenetic marvelous twinkling uncleanness

How do they get 10% retune every year

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



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Date: September 29th, 2016 2:04 PM
Author: Mint sick codepig sex offender

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...id.#31521755)



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Date: September 29th, 2016 2:12 PM
Author: hairraiser hot travel guidebook

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...id.#31521840)



Reply Favorite

Date: September 29th, 2016 4:48 PM
Author: Mint sick codepig sex offender



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



Reply Favorite

Date: February 20th, 2017 8:11 AM
Author: Carnelian medicated dragon center

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...id.#32660068)



Reply Favorite

Date: July 8th, 2017 9:32 AM
Author: Carnelian medicated dragon center



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



Reply Favorite

Date: July 8th, 2017 9:40 AM
Author: Maniacal indigo institution water buffalo

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

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



Reply Favorite

Date: July 8th, 2017 9:46 AM
Author: Titillating faggotry hominid

COMPOUND INT--*nuke melts face*

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



Reply Favorite

Date: July 8th, 2017 9:50 AM
Author: know-it-all sooty brunch

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...id.#33727671)



Reply Favorite

Date: July 8th, 2017 9:52 AM
Author: Titillating faggotry hominid

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...id.#33727675)



Reply Favorite

Date: July 8th, 2017 9:54 AM
Author: know-it-all sooty brunch

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...id.#33727681)



Reply Favorite

Date: July 8th, 2017 10:16 AM
Author: Alcoholic cream prole

(Not a rental property owner)

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



Reply Favorite

Date: July 9th, 2017 11:14 AM
Author: Slimy excitant cuck

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...id.#33734178)



Reply Favorite

Date: July 8th, 2017 10:05 AM
Author: Carnelian medicated dragon center

i turn 40 next year. less than two decades left! you jelly?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id.#33727714)



Reply Favorite

Date: July 8th, 2017 10:06 AM
Author: know-it-all sooty brunch

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...id.#33727719)



Reply Favorite

Date: July 8th, 2017 12:06 PM
Author: gold insane feces

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

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



Reply Favorite

Date: July 8th, 2017 12:13 PM
Author: Flickering light queen of the night

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...id.#33728056)



Reply Favorite

Date: July 8th, 2017 12:28 PM
Author: Cobalt 180 abode police squad



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



Reply Favorite

Date: July 8th, 2017 12:30 PM
Author: gold insane feces

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...id.#33728113)



Reply Favorite

Date: July 8th, 2017 12:32 PM
Author: shaky violet pit cuckold

data entry

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



Reply Favorite

Date: July 8th, 2017 12:46 PM
Author: gold insane feces

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...id.#33728151)



Reply Favorite

Date: July 8th, 2017 1:03 PM
Author: shaky violet pit cuckold

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...id.#33728219)



Reply Favorite

Date: July 8th, 2017 1:04 PM
Author: Cobalt 180 abode police squad

CR

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



Reply Favorite

Date: July 8th, 2017 12:32 PM
Author: Cobalt 180 abode police squad

Admin assistant

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



Reply Favorite

Date: July 8th, 2017 12:45 PM
Author: gold insane feces

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...id.#33728148)



Reply Favorite

Date: July 8th, 2017 12:57 PM
Author: Cobalt 180 abode police squad

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...id.#33728193)



Reply Favorite

Date: July 8th, 2017 1:26 PM
Author: passionate son of senegal

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...id.#33728308)



Reply Favorite

Date: July 9th, 2017 11:10 AM
Author: Green Zippy Heaven Gaming Laptop

things barzini knew and did that you did not for $200, alex

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id.#33734164)



Reply Favorite

Date: July 8th, 2017 12:45 PM
Author: pink roommate multi-billionaire

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...id.#33728150)



Reply Favorite

Date: July 8th, 2017 1:27 PM
Author: passionate son of senegal

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...id.#33728311)



Reply Favorite

Date: July 9th, 2017 11:21 AM
Author: Hideous Home

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...id.#33734215)



Reply Favorite

Date: August 22nd, 2017 7:26 PM
Author: beady-eyed boistinker private investor



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



Reply Favorite

Date: August 23rd, 2017 11:19 AM
Author: Chestnut sexy parlor messiness

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...id.#34051890)



Reply Favorite

Date: September 15th, 2023 11:28 AM
Author: misunderstood red stage reading party



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