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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...
alcoholic native sound barrier
  02/07/14
(Dave Ramsey)
Chartreuse windowlicker
  12/10/14
Germany bull
cocky spectacular menage
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
olive aromatic milk mental disorder
  02/07/14
...
Black useless pit
  02/08/14
yep
Histrionic drunken mood
  02/07/14
what is the apr on this
dashing private investor faggotry
  02/07/14
12% lol.
Vibrant Institution Haunted Graveyard
  02/07/14
fucking boomers
Grizzly Angry Hall
  02/07/14
...
may his bones be crushed
  04/13/26
...
alcoholic native sound barrier
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
amber bull headed cuckold
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
diverse sanctuary toilet seat
  02/07/14
180
amber bull headed cuckold
  02/07/14
...
curious hot potus
  02/08/14
...
spruce excitant center
  02/13/15
...
pungent really tough guy stage
  04/18/16
...
amber bull headed cuckold
  02/20/17
...
vigorous massive theater
  02/20/17
...
pungent really tough guy stage
  07/08/17
...
alcoholic native sound barrier
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
amber bull headed cuckold
  02/07/14
...
alcoholic native sound barrier
  02/07/14
(guy who recently watched The Secret)
amber bull headed cuckold
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
amber bull headed cuckold
  02/07/14
(Boomer in 2006 buying third investment property)
amber bull headed cuckold
  02/07/14
this will not occur over the next 40 years
milky casino
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
Pearl personal credit line
  02/07/14
...
alcoholic native sound barrier
  02/07/14
Compare the demographics, foreign competition, and regulator...
milky casino
  12/10/14
...
milky casino
  04/18/16
A true genius
milky casino
  09/29/16
...
onyx cruise ship
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
milky casino
  04/18/16
Just do assume 12% returns for 45 years
Mahogany galvanic market police squad
  02/07/14
...
alcoholic native sound barrier
  02/07/14
CR incredibly retarded
milky casino
  02/07/14
It doesn't change regardless of rate.
Pearl personal credit line
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
milky casino
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
bistre hell
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
Outnumbered Library
  02/07/14
...
alcoholic native sound barrier
  02/07/14
this will not be the case for the next 50 years
milky casino
  02/07/14
(Suze Orman after a few too many glasses of wine)
insecure coral step-uncle's house
  02/07/14
lol'd
autistic contagious friendly grandma house
  04/18/16
haha
Laughsome Tantric Main People
  09/29/16
...
amber bull headed cuckold
  02/20/17
...
Pearl personal credit line
  02/20/17
...
sable hyperventilating black woman
  02/20/17
...
wonderful maniacal chapel
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
Exciting Foreskin
  02/07/14
...
alcoholic native sound barrier
  02/07/14
Not if returns were negative when/in the years immediately f...
Exciting Foreskin
  02/07/14
...
alcoholic native sound barrier
  02/07/14
? All the hypo supposes is that you start investing in yo...
Exciting Foreskin
  02/07/14
...
alcoholic native sound barrier
  02/07/14
YOUR personal rate of return is different from the market's ...
Exciting Foreskin
  02/07/14
...
alcoholic native sound barrier
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
Exciting Foreskin
  02/07/14
...
alcoholic native sound barrier
  02/07/14
you realize that to obtain the returns you stated above, one...
diverse sanctuary toilet seat
  02/07/14
...
alcoholic native sound barrier
  02/07/14
jfc why does she write shit like this
Dark Arousing Plaza
  07/09/17
This is true for everything ever.
Buff pontificating death wish shitlib
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
Vibrant Institution Haunted Graveyard
  02/07/14
U r 36? LOLOL
olive aromatic milk mental disorder
  02/07/14
34 but I put more money than $2000 per year in there.
Vibrant Institution Haunted Graveyard
  02/07/14
Damen. How does it feel to be literally half done with life?
olive aromatic milk mental disorder
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
Vibrant Institution Haunted Graveyard
  02/07/14
Goal retirement age??
olive aromatic milk mental disorder
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
Vibrant Institution Haunted Graveyard
  02/07/14
Any family pressure to get married??
olive aromatic milk mental disorder
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
Vibrant Institution Haunted Graveyard
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
ruddy kink-friendly gaping
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
razzle-dazzle brunch mother
  02/07/14
...
alcoholic native sound barrier
  02/07/14
Doctors are done here
olive aromatic milk mental disorder
  02/07/14
...
Ultramarine irradiated community account ticket booth
  02/13/15
...
brilliant floppy locus ceo
  02/20/17
...
boyish sinister psychic
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
Vibrant Institution Haunted Graveyard
  02/07/14
What were u doing at 22?
olive aromatic milk mental disorder
  02/07/14
crappy consulting firm do municipal bond analysis.
Vibrant Institution Haunted Graveyard
  02/07/14
you should've gone into finance, instead. you'd have a milli...
Exciting Foreskin
  02/07/14
I was too lazy in college, but yeah would have been a good i...
Vibrant Institution Haunted Graveyard
  02/07/14
$38k was a decent starting salary in 1995...?
chestnut patrolman tanning salon
  02/08/14
my gf doesn't even have a credit card. she's 24
vermilion bbw
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
stirring national security agency wrinkle
  02/07/14
...
alcoholic native sound barrier
  02/07/14
yes arthur is fucked, ben pwns him
stirring national security agency wrinkle
  02/07/14
Twist: Arthur was swimming in student loan debt
amber bull headed cuckold
  02/07/14
...
Obsidian hissy fit
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
aggressive kitty cat
  02/07/14
...
beady-eyed address nowag
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
Vivacious light abode scourge upon the earth
  02/07/14
True, the idea that investing early is a good idea sure didn...
aggressive kitty cat
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
cerebral meetinghouse brethren
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
cerebral meetinghouse brethren
  07/08/17
Right. The person who started investing earlier is still in ...
Exhilarant rebellious volcanic crater
  07/09/17
I think the more interesting hypo is a guy who starts invest...
jet-lagged queen of the night property
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
beady-eyed address nowag
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
flatulent area doctorate
  02/07/14
I still think it's more credited to maintain liquidity and i...
mind-boggling disturbing orchestra pit pistol
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
Vibrant Institution Haunted Graveyard
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
aggressive kitty cat
  02/07/14
(cgm)
passionate corner
  02/07/14
What does this look like if you assume 6% returns?
titillating mildly autistic nibblets dingle berry
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
Anal Jade Hospital Athletic Conference
  02/08/14
...
alcoholic native sound barrier
  02/17/14
not really. my parents had very little just 20 years ago...
Charismatic people who are hurt
  02/08/14
...
alcoholic native sound barrier
  02/10/14
...
Nudist talented principal's office
  07/08/17
So your telling me that if I make a lot of money ill do well...
heady prole
  12/10/14
...
alcoholic native sound barrier
  05/14/14
...
alcoholic native sound barrier
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
Startled nursing home sex offender
  12/10/14
...
alcoholic native sound barrier
  12/10/14
...
alcoholic native sound barrier
  02/13/15
this is retarded. for most of us, that would have meant soc...
cracking misunderstood gaming laptop
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
Ultramarine irradiated community account ticket booth
  02/13/15
...
alcoholic native sound barrier
  02/13/15
we're in a bubble right now, so all of those figures are bul...
cracking misunderstood gaming laptop
  02/13/15
...
alcoholic native sound barrier
  02/13/15
A year later after bitching in this thread, I have fucking $...
Vibrant Institution Haunted Graveyard
  02/13/15
...
alcoholic native sound barrier
  02/13/15
What has your APR been?
Harsh fishy newt
  02/13/15
how much money did you have in cash on the sidelines from th...
bright striped hyena
  02/13/15
...
alcoholic native sound barrier
  12/29/15
...
alcoholic native sound barrier
  04/18/16
I remember a teacher showing us this kind of chart back arou...
Multi-colored chocolate lodge
  04/18/16
wise move
Sepia den deer antler
  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.
Stimulating becky
  04/18/16
...
alcoholic native sound barrier
  04/18/16
This is false and assumes one continues working a cookie-cut...
Charismatic people who are hurt
  04/18/16
just do >10% growth every year. worked for bernie madoff
Wine Rigor
  04/18/16
This bort is retarded.
Pearl personal credit line
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
Drab coiffed site quadroon
  04/18/16
...
alcoholic native sound barrier
  04/18/16
you pointed it out above several times, and each time you go...
Drab coiffed site quadroon
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
nighttime chest-beating theater stage
  04/18/16
The real reason this chart is dumb is because of inflation. ...
sickened fortuitous meteor
  04/18/16
...
alcoholic native sound barrier
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
sickened fortuitous meteor
  04/18/16
...
alcoholic native sound barrier
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
Swollen senate knife
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
Lemon self-absorbed famous landscape painting
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
Adventurous field roommate
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
bisexual school
  02/20/17
I agree generally that returns will be lower. But if you ask...
Adventurous field roommate
  02/20/17
saving for retirement is flame. just slide and let do
swashbuckling resort
  04/18/16
cr
Drab coiffed site quadroon
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
boyish sinister psychic
  09/29/16
...
alcoholic native sound barrier
  09/29/16
How do they get 10% retune every year
Thriller National
  09/29/16
noob investor question, but isn't this idea kind of self per...
duck-like concupiscible kitchen degenerate
  09/29/16
Student loan interest exceeds most investment returns so tha...
Startled nursing home sex offender
  09/29/16
...
duck-like concupiscible kitchen degenerate
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
Lascivious generalized bond boltzmann
  02/20/17
...
Lascivious generalized bond boltzmann
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
Very tactful comical university
  07/08/17
COMPOUND INT--*nuke melts face*
Mischievous stag film messiness
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
Vengeful liquid oxygen
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
Mischievous stag film messiness
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
Vengeful liquid oxygen
  07/08/17
(Not a rental property owner)
milky casino
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
Exhilarant rebellious volcanic crater
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
Lascivious generalized bond boltzmann
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
Vengeful liquid oxygen
  07/08/17
now show me the table for $300K at 8% in student loans
Mentally Impaired Depressive Base
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
Cowardly lake rehab
  07/08/17
...
boyish sinister psychic
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
Mentally Impaired Depressive Base
  07/08/17
data entry
Nudist talented principal's office
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
Mentally Impaired Depressive Base
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
Nudist talented principal's office
  07/08/17
CR
boyish sinister psychic
  07/08/17
Admin assistant
boyish sinister psychic
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
Mentally Impaired Depressive Base
  07/08/17
According to the chart all you need to invest is like 2k a y...
boyish sinister psychic
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
Hairless Set
  07/08/17
things barzini knew and did that you did not for $200, alex
Obsidian hissy fit
  07/09/17
I think a much more sure bet is Social Security taxes being ...
Fragrant state
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
Hairless Set
  07/08/17
Investment compounding is the single biggest scam the inve...
Anal Jade Hospital Athletic Conference
  07/09/17
...
Yapping Judgmental Dysfunction Double Fault
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
wonderful maniacal chapel
  08/23/17
...
alcoholic native sound barrier
  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: alcoholic native sound barrier

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: Chartreuse windowlicker

(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: cocky spectacular menage
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: olive aromatic milk mental disorder

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: Black useless pit



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: Histrionic drunken mood

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: dashing private investor faggotry

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: Vibrant Institution Haunted Graveyard

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: Grizzly Angry Hall

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: alcoholic native sound barrier



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: amber bull headed cuckold

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: diverse sanctuary toilet seat

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: amber bull headed cuckold

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: curious hot potus



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: spruce excitant center



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: pungent really tough guy stage



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: amber bull headed cuckold



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: vigorous massive theater



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: pungent really tough guy stage



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: alcoholic native sound barrier



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: amber bull headed cuckold

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: alcoholic native sound barrier



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: amber bull headed cuckold

(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: amber bull headed cuckold

(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: amber bull headed cuckold

(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: milky casino

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: Pearl personal credit line

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: alcoholic native sound barrier



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: milky casino

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: milky casino



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: milky casino

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: onyx cruise ship



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: milky casino

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: Mahogany galvanic market police squad

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: alcoholic native sound barrier



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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: milky casino

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: Pearl personal credit line

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: milky casino

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: bistre hell

(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: Outnumbered Library

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: alcoholic native sound barrier



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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: milky casino

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: insecure coral step-uncle's house

(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: autistic contagious friendly grandma house

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: Laughsome Tantric Main People

haha

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



Reply Favorite

Date: February 20th, 2017 1:49 AM
Author: amber bull headed cuckold



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



Reply Favorite

Date: February 20th, 2017 8:38 AM
Author: Pearl personal credit line



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: sable hyperventilating black woman



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: wonderful maniacal chapel



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Exciting Foreskin

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: alcoholic native sound barrier



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Exciting Foreskin

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: alcoholic native sound barrier



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: Exciting Foreskin

?

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: alcoholic native sound barrier



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Exciting Foreskin

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: alcoholic native sound barrier



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



Reply Favorite

Date: February 7th, 2014 4:13 PM
Author: Exciting Foreskin

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: alcoholic native sound barrier



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



Reply Favorite

Date: February 7th, 2014 4:35 PM
Author: diverse sanctuary toilet seat

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: alcoholic native sound barrier



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



Reply Favorite

Date: July 9th, 2017 11:26 AM
Author: Dark Arousing Plaza

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: Buff pontificating death wish shitlib

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: Vibrant Institution Haunted Graveyard

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: olive aromatic milk mental disorder

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: Vibrant Institution Haunted Graveyard

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: olive aromatic milk mental disorder

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: Vibrant Institution Haunted Graveyard

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: olive aromatic milk mental disorder

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: Vibrant Institution Haunted Graveyard

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: olive aromatic milk mental disorder

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: Vibrant Institution Haunted Graveyard

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: ruddy kink-friendly gaping

(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: razzle-dazzle brunch mother

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: alcoholic native sound barrier



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: olive aromatic milk mental disorder

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: Ultramarine irradiated community account ticket booth



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: brilliant floppy locus ceo



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: boyish sinister psychic



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: Vibrant Institution Haunted Graveyard

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: olive aromatic milk mental disorder

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: Vibrant Institution Haunted Graveyard

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: Exciting Foreskin

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: Vibrant Institution Haunted Graveyard

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: chestnut patrolman tanning salon

$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: vermilion bbw

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: stirring national security agency wrinkle

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: alcoholic native sound barrier



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: stirring national security agency wrinkle

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: amber bull headed cuckold

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: Obsidian hissy fit



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



Reply Favorite

Date: February 7th, 2014 4:01 PM
Author: aggressive kitty cat

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: beady-eyed address nowag



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



Reply Favorite

Date: February 7th, 2014 4:08 PM
Author: Vivacious light abode scourge upon the earth

*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: aggressive kitty cat

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: cerebral meetinghouse brethren

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: cerebral meetinghouse brethren

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: Exhilarant rebellious volcanic crater

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: jet-lagged queen of the night property

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: beady-eyed address nowag

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: flatulent area doctorate

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: mind-boggling disturbing orchestra pit pistol

I still think it's more credited to maintain liquidity and invest in a future business than to put money into the market, assuming you can't do both and assuming you're under 35.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Firm#24974156)



Reply Favorite

Date: February 7th, 2014 4:15 PM
Author: Vibrant Institution Haunted Graveyard

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: aggressive kitty cat

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: passionate corner

(cgm)

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



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: titillating mildly autistic nibblets dingle berry

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: Anal Jade Hospital Athletic Conference

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: alcoholic native sound barrier



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: Charismatic people who are hurt

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: alcoholic native sound barrier



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: Nudist talented principal's office



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: heady prole

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: alcoholic native sound barrier



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: alcoholic native sound barrier



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: Startled nursing home sex offender

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: alcoholic native sound barrier



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: alcoholic native sound barrier



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: cracking misunderstood gaming laptop

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: Ultramarine irradiated community account ticket booth

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: alcoholic native sound barrier



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: cracking misunderstood gaming laptop

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)



Reply Favorite

Date: February 13th, 2015 5:50 PM
Author: alcoholic native sound barrier



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: Vibrant Institution Haunted Graveyard

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)



Reply Favorite

Date: February 13th, 2015 5:52 PM
Author: alcoholic native sound barrier



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



Reply Favorite

Date: February 13th, 2015 5:53 PM
Author: Harsh fishy newt

What has your APR been?

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



Reply Favorite

Date: February 13th, 2015 6:18 PM
Author: bright striped hyena

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: alcoholic native sound barrier



(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: alcoholic native sound barrier



(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: Multi-colored chocolate lodge

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: Sepia den deer antler

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: Stimulating becky

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: alcoholic native sound barrier



(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: Charismatic people who are hurt

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: Wine Rigor

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: Pearl personal credit line

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: Drab coiffed site quadroon

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: alcoholic native sound barrier



(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: Drab coiffed site quadroon

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: nighttime chest-beating theater stage

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: sickened fortuitous meteor

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: alcoholic native sound barrier



(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: sickened fortuitous meteor

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: alcoholic native sound barrier



(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: Swollen senate knife

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: Lemon self-absorbed famous landscape painting

*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: Adventurous field roommate

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: bisexual school

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: Adventurous field roommate

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: swashbuckling resort

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: Drab coiffed site quadroon

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: boyish sinister psychic

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: alcoholic native sound barrier



(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: Thriller National

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: duck-like concupiscible kitchen degenerate

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: Startled nursing home sex offender

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: duck-like concupiscible kitchen degenerate



(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: Lascivious generalized bond boltzmann

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: Lascivious generalized bond boltzmann



(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: Very tactful comical university

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: Mischievous stag film messiness

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: Vengeful liquid oxygen

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: Mischievous stag film messiness

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: Vengeful liquid oxygen

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: milky casino

(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: Exhilarant rebellious volcanic crater

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: Lascivious generalized bond boltzmann

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: Vengeful liquid oxygen

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: Mentally Impaired Depressive Base

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: Cowardly lake rehab

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: boyish sinister psychic



(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: Mentally Impaired Depressive Base

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: Nudist talented principal's office

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: Mentally Impaired Depressive Base

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: Nudist talented principal's office

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: boyish sinister psychic

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: boyish sinister psychic

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: Mentally Impaired Depressive Base

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: boyish sinister psychic

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: Hairless Set

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: Obsidian hissy fit

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: Fragrant state

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: Hairless Set

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: Anal Jade Hospital Athletic Conference

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)



Reply Favorite

Date: August 22nd, 2017 7:26 PM
Author: Yapping Judgmental Dysfunction Double Fault



(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: wonderful maniacal chapel

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: alcoholic native sound barrier



(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)