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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...
Jade crusty elastic band
  02/07/14
(Dave Ramsey)
Mind-boggling volcanic crater
  12/10/14
Germany bull
Trip Sex Offender
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
Geriatric unholy principal's office
  02/07/14
...
Marvelous state patrolman
  02/08/14
yep
twisted dashing stead
  02/07/14
what is the apr on this
vigorous brindle mexican brunch
  02/07/14
12% lol.
Arrogant Exhilarant Antidepressant Drug Rehab
  02/07/14
fucking boomers
cerebral resort queen of the night
  02/07/14
...
may his bones be crushed
  04/13/26
...
Jade crusty elastic band
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
Comical Alcoholic Theater Stage Masturbator
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
Shaky Base
  02/07/14
180
Comical Alcoholic Theater Stage Masturbator
  02/07/14
...
Glittery swollen theatre
  02/08/14
...
bearded purple pocket flask orchestra pit
  02/13/15
...
submissive step-uncle's house
  04/18/16
...
Comical Alcoholic Theater Stage Masturbator
  02/20/17
...
Hairraiser associate
  02/20/17
...
submissive step-uncle's house
  07/08/17
...
Jade crusty elastic band
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
Comical Alcoholic Theater Stage Masturbator
  02/07/14
...
Jade crusty elastic band
  02/07/14
(guy who recently watched The Secret)
Comical Alcoholic Theater Stage Masturbator
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
Comical Alcoholic Theater Stage Masturbator
  02/07/14
(Boomer in 2006 buying third investment property)
Comical Alcoholic Theater Stage Masturbator
  02/07/14
this will not occur over the next 40 years
spruce lascivious library haunted graveyard
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
federal nudist blood rage idiot
  02/07/14
...
Jade crusty elastic band
  02/07/14
Compare the demographics, foreign competition, and regulator...
spruce lascivious library haunted graveyard
  12/10/14
...
spruce lascivious library haunted graveyard
  04/18/16
A true genius
spruce lascivious library haunted graveyard
  09/29/16
...
navy supple fat ankles senate
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
spruce lascivious library haunted graveyard
  04/18/16
Just do assume 12% returns for 45 years
irradiated ticket booth
  02/07/14
...
Jade crusty elastic band
  02/07/14
CR incredibly retarded
spruce lascivious library haunted graveyard
  02/07/14
It doesn't change regardless of rate.
federal nudist blood rage idiot
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
spruce lascivious library haunted graveyard
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
multi-colored yarmulke station
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
Slate hyperventilating address
  02/07/14
...
Jade crusty elastic band
  02/07/14
this will not be the case for the next 50 years
spruce lascivious library haunted graveyard
  02/07/14
(Suze Orman after a few too many glasses of wine)
peach reading party plaza
  02/07/14
lol'd
pearl histrionic hospital
  04/18/16
haha
Violent nofapping persian sandwich
  09/29/16
...
Comical Alcoholic Theater Stage Masturbator
  02/20/17
...
federal nudist blood rage idiot
  02/20/17
...
Erotic Theater Partner
  02/20/17
...
Ultramarine appetizing genital piercing
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
Hideous Depressive
  02/07/14
...
Jade crusty elastic band
  02/07/14
Not if returns were negative when/in the years immediately f...
Hideous Depressive
  02/07/14
...
Jade crusty elastic band
  02/07/14
? All the hypo supposes is that you start investing in yo...
Hideous Depressive
  02/07/14
...
Jade crusty elastic band
  02/07/14
YOUR personal rate of return is different from the market's ...
Hideous Depressive
  02/07/14
...
Jade crusty elastic band
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
Hideous Depressive
  02/07/14
...
Jade crusty elastic band
  02/07/14
you realize that to obtain the returns you stated above, one...
Shaky Base
  02/07/14
...
Jade crusty elastic band
  02/07/14
jfc why does she write shit like this
bateful hot legend useless brakes
  07/09/17
This is true for everything ever.
Mauve zippy travel guidebook set
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
Arrogant Exhilarant Antidepressant Drug Rehab
  02/07/14
U r 36? LOLOL
Geriatric unholy principal's office
  02/07/14
34 but I put more money than $2000 per year in there.
Arrogant Exhilarant Antidepressant Drug Rehab
  02/07/14
Damen. How does it feel to be literally half done with life?
Geriatric unholy principal's office
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
Arrogant Exhilarant Antidepressant Drug Rehab
  02/07/14
Goal retirement age??
Geriatric unholy principal's office
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
Arrogant Exhilarant Antidepressant Drug Rehab
  02/07/14
Any family pressure to get married??
Geriatric unholy principal's office
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
Arrogant Exhilarant Antidepressant Drug Rehab
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
white ceo crotch
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
Cream Shivering Son Of Senegal
  02/07/14
...
Jade crusty elastic band
  02/07/14
Doctors are done here
Geriatric unholy principal's office
  02/07/14
...
racy foreskin school cafeteria
  02/13/15
...
mischievous brilliant area
  02/20/17
...
autistic slap-happy lay french chef
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
Arrogant Exhilarant Antidepressant Drug Rehab
  02/07/14
What were u doing at 22?
Geriatric unholy principal's office
  02/07/14
crappy consulting firm do municipal bond analysis.
Arrogant Exhilarant Antidepressant Drug Rehab
  02/07/14
you should've gone into finance, instead. you'd have a milli...
Hideous Depressive
  02/07/14
I was too lazy in college, but yeah would have been a good i...
Arrogant Exhilarant Antidepressant Drug Rehab
  02/07/14
$38k was a decent starting salary in 1995...?
big really tough guy
  02/08/14
my gf doesn't even have a credit card. she's 24
bull headed hairy legs
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
Hilarious filthpig pit
  02/07/14
...
Jade crusty elastic band
  02/07/14
yes arthur is fucked, ben pwns him
Hilarious filthpig pit
  02/07/14
Twist: Arthur was swimming in student loan debt
Comical Alcoholic Theater Stage Masturbator
  02/07/14
...
Claret mad cow disease
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
Ruby stimulating mad-dog skullcap dog poop
  02/07/14
...
Chrome Low-t Locus Chad
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
effete public bath alpha
  02/07/14
True, the idea that investing early is a good idea sure didn...
Ruby stimulating mad-dog skullcap dog poop
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
boyish point
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
boyish point
  07/08/17
Right. The person who started investing earlier is still in ...
concupiscible carmine immigrant national
  07/09/17
I think the more interesting hypo is a guy who starts invest...
Heady pungent institution
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
Chrome Low-t Locus Chad
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
electric jet trailer park water buffalo
  02/07/14
I still think it's more credited to maintain liquidity and i...
Mahogany costumed idea he suggested
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
Arrogant Exhilarant Antidepressant Drug Rehab
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
Ruby stimulating mad-dog skullcap dog poop
  02/07/14
(cgm)
sable property
  02/07/14
What does this look like if you assume 6% returns?
Sickened stirring business firm ratface
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
offensive church
  02/08/14
...
Jade crusty elastic band
  02/17/14
not really. my parents had very little just 20 years ago...
Self-centered Crackhouse Death Wish
  02/08/14
...
Jade crusty elastic band
  02/10/14
...
provocative disgusting space personal credit line
  07/08/17
So your telling me that if I make a lot of money ill do well...
Bonkers dilemma skinny woman
  12/10/14
...
Jade crusty elastic band
  05/14/14
...
Jade crusty elastic band
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
Smoky Thriller Juggernaut Deer Antler
  12/10/14
...
Jade crusty elastic band
  12/10/14
...
Jade crusty elastic band
  02/13/15
this is retarded. for most of us, that would have meant soc...
laughsome windowlicker
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
racy foreskin school cafeteria
  02/13/15
...
Jade crusty elastic band
  02/13/15
we're in a bubble right now, so all of those figures are bul...
laughsome windowlicker
  02/13/15
...
Jade crusty elastic band
  02/13/15
A year later after bitching in this thread, I have fucking $...
Arrogant Exhilarant Antidepressant Drug Rehab
  02/13/15
...
Jade crusty elastic band
  02/13/15
What has your APR been?
arousing chest-beating lodge
  02/13/15
how much money did you have in cash on the sidelines from th...
soul-stirring puce forum
  02/13/15
...
Jade crusty elastic band
  12/29/15
...
Jade crusty elastic band
  04/18/16
I remember a teacher showing us this kind of chart back arou...
Aromatic sadistic center
  04/18/16
wise move
Insecure twinkling uncleanness
  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.
Primrose coiffed marketing idea laser beams
  04/18/16
...
Jade crusty elastic band
  04/18/16
This is false and assumes one continues working a cookie-cut...
Self-centered Crackhouse Death Wish
  04/18/16
just do >10% growth every year. worked for bernie madoff
domesticated beady-eyed corner
  04/18/16
This bort is retarded.
federal nudist blood rage idiot
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
Curious field dingle berry
  04/18/16
...
Jade crusty elastic band
  04/18/16
you pointed it out above several times, and each time you go...
Curious field dingle berry
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
Cracking garrison roommate
  04/18/16
The real reason this chart is dumb is because of inflation. ...
Fluffy obsidian dopamine
  04/18/16
...
Jade crusty elastic band
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
Fluffy obsidian dopamine
  04/18/16
...
Jade crusty elastic band
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
hyperactive aphrodisiac spot private investor
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
Floppy light school
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
Magenta Bbw Stage
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
rose cruise ship
  02/20/17
I agree generally that returns will be lower. But if you ask...
Magenta Bbw Stage
  02/20/17
saving for retirement is flame. just slide and let do
adventurous brethren
  04/18/16
cr
Curious field dingle berry
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
autistic slap-happy lay french chef
  09/29/16
...
Jade crusty elastic band
  09/29/16
How do they get 10% retune every year
lavender thirsty locale preventive strike
  09/29/16
noob investor question, but isn't this idea kind of self per...
Cordovan Motley Regret
  09/29/16
Student loan interest exceeds most investment returns so tha...
Smoky Thriller Juggernaut Deer Antler
  09/29/16
...
Cordovan Motley Regret
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
swashbuckling sexy boistinker potus
  02/20/17
...
swashbuckling sexy boistinker potus
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
anal razzle abode
  07/08/17
COMPOUND INT--*nuke melts face*
Yellow drunken cuckoldry menage
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
contagious dull coldplay fan
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
Yellow drunken cuckoldry menage
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
contagious dull coldplay fan
  07/08/17
(Not a rental property owner)
spruce lascivious library haunted graveyard
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
concupiscible carmine immigrant national
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
swashbuckling sexy boistinker potus
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
contagious dull coldplay fan
  07/08/17
now show me the table for $300K at 8% in student loans
Orange seedy chapel police squad
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
bearded iridescent stag film
  07/08/17
...
autistic slap-happy lay french chef
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
Orange seedy chapel police squad
  07/08/17
data entry
provocative disgusting space personal credit line
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
Orange seedy chapel police squad
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
provocative disgusting space personal credit line
  07/08/17
CR
autistic slap-happy lay french chef
  07/08/17
Admin assistant
autistic slap-happy lay french chef
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
Orange seedy chapel police squad
  07/08/17
According to the chart all you need to invest is like 2k a y...
autistic slap-happy lay french chef
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
Galvanic university
  07/08/17
things barzini knew and did that you did not for $200, alex
Claret mad cow disease
  07/09/17
I think a much more sure bet is Social Security taxes being ...
blue sick jap dysfunction
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
Galvanic university
  07/08/17
Investment compounding is the single biggest scam the inve...
offensive church
  07/09/17
...
bespoke lake organic girlfriend sanctuary
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
Ultramarine appetizing genital piercing
  08/23/17
...
Jade crusty elastic band
  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: Jade crusty elastic band

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

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



Reply Favorite

Date: December 10th, 2014 4:58 PM
Author: Mind-boggling volcanic crater

(Dave Ramsey)

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



Reply Favorite

Date: September 15th, 2023 12:25 PM
Author: Trip Sex Offender
Subject: Germany bull

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

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Firm#46800798)



Reply Favorite

Date: April 13th, 2026 1:58 PM
Author: richard clock



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: Geriatric unholy principal's office

Brb transferring money to my roth

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



Reply Favorite

Date: February 8th, 2014 10:44 AM
Author: Marvelous state patrolman



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: twisted dashing stead

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: vigorous brindle mexican brunch

what is the apr on this

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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Arrogant Exhilarant Antidepressant Drug Rehab

12% lol.

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



Reply Favorite

Date: February 7th, 2014 3:25 PM
Author: cerebral resort queen of the night

fucking boomers

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



Reply Favorite

Date: February 7th, 2014 3:28 PM
Author: Jade crusty elastic band



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Comical Alcoholic Theater Stage Masturbator

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=2Firm#24973943)



Reply Favorite

Date: February 7th, 2014 3:34 PM
Author: Shaky Base

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=2Firm#24973956)



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: Comical Alcoholic Theater Stage Masturbator

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: Glittery swollen theatre



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: bearded purple pocket flask orchestra pit



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: submissive step-uncle's house



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: Comical Alcoholic Theater Stage Masturbator



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: Hairraiser associate



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: submissive step-uncle's house



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: Jade crusty elastic band



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Comical Alcoholic Theater Stage Masturbator

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=2Firm#24974015)



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: Jade crusty elastic band



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Comical Alcoholic Theater Stage Masturbator

(guy who recently watched The Secret)

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



Reply Favorite

Date: February 7th, 2014 3:56 PM
Author: Comical Alcoholic Theater Stage Masturbator

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

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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: Comical Alcoholic Theater Stage Masturbator

(Boomer in 2006 buying third investment property)

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



Reply Favorite

Date: February 7th, 2014 3:59 PM
Author: spruce lascivious library haunted graveyard

this will not occur over the next 40 years

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



Reply Favorite

Date: February 7th, 2014 4:36 PM
Author: federal nudist blood rage idiot

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=2Firm#24974300)



Reply Favorite

Date: February 7th, 2014 4:40 PM
Author: Jade crusty elastic band



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: spruce lascivious library haunted graveyard

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=2Firm#26902473)



Reply Favorite

Date: April 18th, 2016 9:12 AM
Author: spruce lascivious library haunted graveyard



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: spruce lascivious library haunted graveyard

A true genius

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



Reply Favorite

Date: April 18th, 2016 7:41 AM
Author: navy supple fat ankles senate



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: spruce lascivious library haunted graveyard

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=2Firm#30296264)



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: irradiated ticket booth

Just do assume 12% returns for 45 years

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



Reply Favorite

Date: February 7th, 2014 3:29 PM
Author: Jade crusty elastic band



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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: spruce lascivious library haunted graveyard

CR incredibly retarded

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



Reply Favorite

Date: April 18th, 2016 8:57 AM
Author: federal nudist blood rage idiot

It doesn't change regardless of rate.

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



Reply Favorite

Date: April 18th, 2016 9:13 AM
Author: spruce lascivious library haunted graveyard

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

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



Reply Favorite

Date: February 20th, 2017 9:25 AM
Author: multi-colored yarmulke station

(finance genius)

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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Slate hyperventilating address

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=2Firm#24973885)



Reply Favorite

Date: February 7th, 2014 3:29 PM
Author: Jade crusty elastic band



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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: spruce lascivious library haunted graveyard

this will not be the case for the next 50 years



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: peach reading party plaza

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

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



Reply Favorite

Date: April 18th, 2016 9:35 AM
Author: pearl histrionic hospital

lol'd

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



Reply Favorite

Date: September 29th, 2016 10:24 AM
Author: Violent nofapping persian sandwich

haha

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



Reply Favorite

Date: February 20th, 2017 1:49 AM
Author: Comical Alcoholic Theater Stage Masturbator



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



Reply Favorite

Date: February 20th, 2017 8:38 AM
Author: federal nudist blood rage idiot



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: Erotic Theater Partner



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: Ultramarine appetizing genital piercing



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Hideous Depressive

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=2Firm#24973892)



Reply Favorite

Date: February 7th, 2014 3:30 PM
Author: Jade crusty elastic band



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Hideous Depressive

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=2Firm#24973941)



Reply Favorite

Date: February 7th, 2014 3:36 PM
Author: Jade crusty elastic band



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: Hideous Depressive

?

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=2Firm#24973993)



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Jade crusty elastic band



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Hideous Depressive

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=2Firm#24974038)



Reply Favorite

Date: February 7th, 2014 3:49 PM
Author: Jade crusty elastic band



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



Reply Favorite

Date: February 7th, 2014 4:13 PM
Author: Hideous Depressive

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=2Firm#24974177)



Reply Favorite

Date: February 7th, 2014 4:33 PM
Author: Jade crusty elastic band



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



Reply Favorite

Date: February 7th, 2014 4:35 PM
Author: Shaky Base

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=2Firm#24974293)



Reply Favorite

Date: February 7th, 2014 4:41 PM
Author: Jade crusty elastic band



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



Reply Favorite

Date: July 9th, 2017 11:26 AM
Author: bateful hot legend useless brakes

jfc why does she write shit like this

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



Reply Favorite

Date: September 29th, 2016 2:14 PM
Author: Mauve zippy travel guidebook set

This is true for everything ever.

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



Reply Favorite

Date: February 7th, 2014 3:25 PM
Author: Arrogant Exhilarant Antidepressant Drug Rehab

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=2Firm#24973900)



Reply Favorite

Date: February 7th, 2014 3:30 PM
Author: Geriatric unholy principal's office

U r 36? LOLOL

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



Reply Favorite

Date: February 7th, 2014 3:31 PM
Author: Arrogant Exhilarant Antidepressant Drug Rehab

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

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



Reply Favorite

Date: February 7th, 2014 3:36 PM
Author: Geriatric unholy principal's office

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

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



Reply Favorite

Date: February 7th, 2014 3:39 PM
Author: Arrogant Exhilarant Antidepressant Drug Rehab

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=2Firm#24973988)



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: Geriatric unholy principal's office

Goal retirement age??

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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Arrogant Exhilarant Antidepressant Drug Rehab

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=2Firm#24974009)



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: Geriatric unholy principal's office

Any family pressure to get married??

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



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: Arrogant Exhilarant Antidepressant Drug Rehab

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=2Firm#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=2Firm#49814674)



Reply Favorite

Date: February 7th, 2014 3:32 PM
Author: white ceo crotch

(39-year-old, MAF troll)

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



Reply Favorite

Date: February 7th, 2014 3:38 PM
Author: Cream Shivering Son Of Senegal

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=2Firm#24973984)



Reply Favorite

Date: February 7th, 2014 3:39 PM
Author: Jade crusty elastic band



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Geriatric unholy principal's office

Doctors are done here

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



Reply Favorite

Date: February 13th, 2015 5:32 PM
Author: racy foreskin school cafeteria



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: mischievous brilliant area



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: autistic slap-happy lay french chef



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: Arrogant Exhilarant Antidepressant Drug Rehab

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=2Firm#24974025)



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: Geriatric unholy principal's office

What were u doing at 22?

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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: Arrogant Exhilarant Antidepressant Drug Rehab

crappy consulting firm do municipal bond analysis.

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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: Hideous Depressive

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=2Firm#24974087)



Reply Favorite

Date: February 7th, 2014 3:59 PM
Author: Arrogant Exhilarant Antidepressant Drug Rehab

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=2Firm#24974092)



Reply Favorite

Date: February 8th, 2014 10:36 AM
Author: big really tough guy

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

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



Reply Favorite

Date: April 18th, 2016 9:49 AM
Author: bull headed hairy legs

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

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



Reply Favorite

Date: February 7th, 2014 3:48 PM
Author: Hilarious filthpig pit

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=2Firm#24974041)



Reply Favorite

Date: February 7th, 2014 3:50 PM
Author: Jade crusty elastic band



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: Hilarious filthpig pit

yes arthur is fucked, ben pwns him

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



Reply Favorite

Date: February 7th, 2014 3:51 PM
Author: Comical Alcoholic Theater Stage Masturbator

Twist: Arthur was swimming in student loan debt

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



Reply Favorite

Date: February 13th, 2015 5:46 PM
Author: Claret mad cow disease



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



Reply Favorite

Date: February 7th, 2014 4:01 PM
Author: Ruby stimulating mad-dog skullcap dog poop

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=2Firm#24974098)



Reply Favorite

Date: February 8th, 2014 8:23 PM
Author: Chrome Low-t Locus Chad



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



Reply Favorite

Date: February 7th, 2014 4:08 PM
Author: effete public bath alpha

*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=2Firm#24974133)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: Ruby stimulating mad-dog skullcap dog poop

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=2Firm#24974151)



Reply Favorite

Date: September 29th, 2016 1:14 PM
Author: boyish point

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=2Firm#31521424)



Reply Favorite

Date: July 8th, 2017 10:02 AM
Author: boyish point

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=2Firm#33727706)



Reply Favorite

Date: July 9th, 2017 10:45 AM
Author: concupiscible carmine immigrant national

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=2Firm#33734072)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: Heady pungent institution

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=2Firm#24974146)



Reply Favorite

Date: February 8th, 2014 8:23 PM
Author: Chrome Low-t Locus Chad

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=2Firm#24980361)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: electric jet trailer park water buffalo

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=2Firm#24974148)



Reply Favorite

Date: February 7th, 2014 4:11 PM
Author: Mahogany costumed idea he suggested

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=2Firm#24974156)



Reply Favorite

Date: February 7th, 2014 4:15 PM
Author: Arrogant Exhilarant Antidepressant Drug Rehab

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=2Firm#24974195)



Reply Favorite

Date: February 7th, 2014 4:38 PM
Author: Ruby stimulating mad-dog skullcap dog poop

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=2Firm#24974306)



Reply Favorite

Date: February 7th, 2014 4:58 PM
Author: sable property

(cgm)

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



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: Sickened stirring business firm ratface

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

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



Reply Favorite

Date: February 8th, 2014 10:51 AM
Author: offensive church

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=2Firm#24977600)



Reply Favorite

Date: February 17th, 2014 11:13 AM
Author: Jade crusty elastic band



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: Self-centered Crackhouse Death Wish

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=2Firm#24977623)



Reply Favorite

Date: February 10th, 2014 2:32 PM
Author: Jade crusty elastic band



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: provocative disgusting space personal credit line



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: Bonkers dilemma skinny woman

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=2Firm#26902507)



Reply Favorite

Date: May 14th, 2014 9:23 AM
Author: Jade crusty elastic band



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: Jade crusty elastic band



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: Smoky Thriller Juggernaut Deer Antler

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=2Firm#26902483)



Reply Favorite

Date: December 10th, 2014 5:10 PM
Author: Jade crusty elastic band



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: Jade crusty elastic band



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: laughsome 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=2Firm#27309317)



Reply Favorite

Date: February 13th, 2015 5:35 PM
Author: racy foreskin school cafeteria

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=2Firm#27309326)



Reply Favorite

Date: February 13th, 2015 5:36 PM
Author: Jade crusty elastic band



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



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Date: February 13th, 2015 5:38 PM
Author: laughsome 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=2Firm#27309354)



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Date: February 13th, 2015 5:50 PM
Author: Jade crusty elastic band



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



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Date: February 13th, 2015 5:44 PM
Author: Arrogant Exhilarant Antidepressant Drug Rehab

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=2Firm#27309399)



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Date: February 13th, 2015 5:52 PM
Author: Jade crusty elastic band



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



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Date: February 13th, 2015 5:53 PM
Author: arousing chest-beating lodge

What has your APR been?

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



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Date: February 13th, 2015 6:18 PM
Author: soul-stirring puce forum

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=2Firm#27309632)



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Date: December 29th, 2015 1:41 PM
Author: Jade crusty elastic band



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



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Date: April 18th, 2016 7:18 AM
Author: Jade crusty elastic band



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



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Date: April 18th, 2016 7:47 AM
Author: Aromatic sadistic center

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=2Firm#30296076)



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Date: April 18th, 2016 8:17 AM
Author: Insecure twinkling uncleanness

wise move

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Firm#30296131)



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Date: April 13th, 2026 2:07 PM
Author: may his bones be crushed

I brought up shit like fees and realistic rates and the guy just looked at me like I was speaking Brazilian

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



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Date: April 18th, 2016 7:49 AM
Author: Primrose coiffed marketing idea laser beams

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

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



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Date: April 18th, 2016 9:40 AM
Author: Jade crusty elastic band



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



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Date: April 18th, 2016 7:50 AM
Author: Self-centered Crackhouse Death Wish

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=2Firm#30296082)



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Date: April 18th, 2016 8:51 AM
Author: domesticated beady-eyed corner

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

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



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Date: April 18th, 2016 8:57 AM
Author: federal nudist blood rage idiot

This bort is retarded.

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



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Date: April 18th, 2016 9:04 AM
Author: Curious field dingle berry

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=2Firm#30296237)



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Date: April 18th, 2016 9:41 AM
Author: Jade crusty elastic band



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



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Date: April 18th, 2016 10:04 AM
Author: Curious field dingle berry

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=2Firm#30296421)



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Date: April 18th, 2016 9:20 AM
Author: Cracking garrison roommate

http://imgur.com/gnMx2MX

Literally did this. So I'm set 4 life?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Firm#30296292)



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Date: April 18th, 2016 9:20 AM
Author: Fluffy obsidian dopamine

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=2Firm#30296293)



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Date: April 18th, 2016 9:45 AM
Author: Jade crusty elastic band



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



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Date: April 18th, 2016 9:50 AM
Author: Fluffy obsidian dopamine

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=2Firm#30296396)



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Date: April 18th, 2016 10:02 AM
Author: Jade crusty elastic band



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



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Date: July 8th, 2017 11:01 AM
Author: hyperactive aphrodisiac spot private investor

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

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



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Date: September 15th, 2023 11:41 AM
Author: Floppy light school

*assumes 3% inflation*

*fade in cannibal holocaust theme*

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



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Date: April 18th, 2016 9:24 AM
Author: Magenta Bbw Stage

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=2Firm#30296303)



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Date: February 20th, 2017 3:10 AM
Author: rose cruise ship

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=2Firm#32659870)



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Date: February 20th, 2017 7:57 AM
Author: Magenta Bbw Stage

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=2Firm#32660046)



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Date: April 18th, 2016 9:57 AM
Author: adventurous brethren

saving for retirement is flame. just slide and let do

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



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Date: April 18th, 2016 10:04 AM
Author: Curious field dingle berry

cr

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



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Date: September 29th, 2016 10:24 AM
Author: autistic slap-happy lay french chef

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

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



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Date: September 29th, 2016 10:03 AM
Author: Jade crusty elastic band



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



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Date: September 29th, 2016 1:21 PM
Author: lavender thirsty locale preventive strike

How do they get 10% retune every year

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



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Date: September 29th, 2016 2:04 PM
Author: Cordovan Motley Regret

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=2Firm#31521755)



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Date: September 29th, 2016 2:12 PM
Author: Smoky Thriller Juggernaut Deer Antler

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=2Firm#31521840)



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Date: September 29th, 2016 4:48 PM
Author: Cordovan Motley Regret



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



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Date: February 20th, 2017 8:11 AM
Author: swashbuckling sexy boistinker potus

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=2Firm#32660068)



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Date: July 8th, 2017 9:32 AM
Author: swashbuckling sexy boistinker potus



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



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Date: July 8th, 2017 9:40 AM
Author: anal razzle abode

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

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



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Date: July 8th, 2017 9:46 AM
Author: Yellow drunken cuckoldry menage

COMPOUND INT--*nuke melts face*

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



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Date: July 8th, 2017 9:50 AM
Author: contagious dull coldplay fan

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=2Firm#33727671)



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Date: July 8th, 2017 9:52 AM
Author: Yellow drunken cuckoldry menage

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=2Firm#33727675)



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Date: July 8th, 2017 9:54 AM
Author: contagious dull coldplay fan

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=2Firm#33727681)



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Date: July 8th, 2017 10:16 AM
Author: spruce lascivious library haunted graveyard

(Not a rental property owner)

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



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Date: July 9th, 2017 11:14 AM
Author: concupiscible carmine immigrant national

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=2Firm#33734178)



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Date: July 8th, 2017 10:05 AM
Author: swashbuckling sexy boistinker potus

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

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



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Date: July 8th, 2017 10:06 AM
Author: contagious dull coldplay fan

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=2Firm#33727719)



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Date: July 8th, 2017 12:06 PM
Author: Orange seedy chapel police squad

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

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



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Date: July 8th, 2017 12:13 PM
Author: bearded iridescent stag film

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=2Firm#33728056)



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Date: July 8th, 2017 12:28 PM
Author: autistic slap-happy lay french chef



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



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Date: July 8th, 2017 12:30 PM
Author: Orange seedy chapel police squad

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=2Firm#33728113)



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Date: July 8th, 2017 12:32 PM
Author: provocative disgusting space personal credit line

data entry

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



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Date: July 8th, 2017 12:46 PM
Author: Orange seedy chapel police squad

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=2Firm#33728151)



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Date: July 8th, 2017 1:03 PM
Author: provocative disgusting space personal credit line

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=2Firm#33728219)



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Date: July 8th, 2017 1:04 PM
Author: autistic slap-happy lay french chef

CR

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



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Date: July 8th, 2017 12:32 PM
Author: autistic slap-happy lay french chef

Admin assistant

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



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Date: July 8th, 2017 12:45 PM
Author: Orange seedy chapel police squad

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=2Firm#33728148)



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Date: July 8th, 2017 12:57 PM
Author: autistic slap-happy lay french chef

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=2Firm#33728193)



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Date: July 8th, 2017 1:26 PM
Author: Galvanic university

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=2Firm#33728308)



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Date: July 9th, 2017 11:10 AM
Author: Claret mad cow disease

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

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



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Date: July 8th, 2017 12:45 PM
Author: blue sick jap dysfunction

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=2Firm#33728150)



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Date: July 8th, 2017 1:27 PM
Author: Galvanic university

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=2Firm#33728311)



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Date: July 9th, 2017 11:21 AM
Author: offensive church

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=2Firm#33734215)



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Date: August 22nd, 2017 7:26 PM
Author: bespoke lake organic girlfriend sanctuary



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



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Date: August 23rd, 2017 11:19 AM
Author: Ultramarine appetizing genital piercing

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=2Firm#34051890)



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Date: September 15th, 2023 11:28 AM
Author: Jade crusty elastic band



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Firm#46800589)



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Date: April 13th, 2026 1:45 PM
Author: add more sirens or I will keep poasting

how’d we all do?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Firm#49814625)



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Date: April 13th, 2026 1:55 PM
Author: Alison Angel Fan

Not flame bc of the OP I invested $35k and it’s worth 6 million now

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Firm#49814655)



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Date: April 13th, 2026 1:58 PM
Author: richard clock



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