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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...
Kink-friendly ticket booth
  02/07/14
(Dave Ramsey)
Spectacular theater stage philosopher-king
  12/10/14
Germany bull
cream faggotry
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
Underhanded grizzly feces
  02/07/14
...
Cracking mewling puppy
  02/08/14
yep
Rambunctious Trailer Park Masturbator
  02/07/14
what is the apr on this
Chest-beating Demanding Ladyboy Windowlicker
  02/07/14
12% lol.
orange chad
  02/07/14
fucking boomers
Supple School Cafeteria Goyim
  02/07/14
...
may his bones be crushed
  04/13/26
...
Kink-friendly ticket booth
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
massive hairless heaven police squad
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
violent emerald school
  02/07/14
180
massive hairless heaven police squad
  02/07/14
...
Sooty appetizing mother azn
  02/08/14
...
passionate chartreuse circlehead
  02/13/15
...
Hyperactive coral brethren
  04/18/16
...
massive hairless heaven police squad
  02/20/17
...
Heady chestnut senate hairy legs
  02/20/17
...
Hyperactive coral brethren
  07/08/17
...
Kink-friendly ticket booth
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
massive hairless heaven police squad
  02/07/14
...
Kink-friendly ticket booth
  02/07/14
(guy who recently watched The Secret)
massive hairless heaven police squad
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
massive hairless heaven police squad
  02/07/14
(Boomer in 2006 buying third investment property)
massive hairless heaven police squad
  02/07/14
this will not occur over the next 40 years
glittery spruce hall giraffe
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
know-it-all halford french chef
  02/07/14
...
Kink-friendly ticket booth
  02/07/14
Compare the demographics, foreign competition, and regulator...
glittery spruce hall giraffe
  12/10/14
...
glittery spruce hall giraffe
  04/18/16
A true genius
glittery spruce hall giraffe
  09/29/16
...
Light yarmulke
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
glittery spruce hall giraffe
  04/18/16
Just do assume 12% returns for 45 years
Effete shitlib
  02/07/14
...
Kink-friendly ticket booth
  02/07/14
CR incredibly retarded
glittery spruce hall giraffe
  02/07/14
It doesn't change regardless of rate.
know-it-all halford french chef
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
glittery spruce hall giraffe
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
Irradiated navy theater
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
Vibrant native
  02/07/14
...
Kink-friendly ticket booth
  02/07/14
this will not be the case for the next 50 years
glittery spruce hall giraffe
  02/07/14
(Suze Orman after a few too many glasses of wine)
infuriating locus
  02/07/14
lol'd
Well-lubricated Orchestra Pit
  04/18/16
haha
wonderful topaz university
  09/29/16
...
massive hairless heaven police squad
  02/20/17
...
know-it-all halford french chef
  02/20/17
...
Aphrodisiac Meetinghouse Boiling Water
  02/20/17
...
Tantric Library
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
alcoholic doctorate
  02/07/14
...
Kink-friendly ticket booth
  02/07/14
Not if returns were negative when/in the years immediately f...
alcoholic doctorate
  02/07/14
...
Kink-friendly ticket booth
  02/07/14
? All the hypo supposes is that you start investing in yo...
alcoholic doctorate
  02/07/14
...
Kink-friendly ticket booth
  02/07/14
YOUR personal rate of return is different from the market's ...
alcoholic doctorate
  02/07/14
...
Kink-friendly ticket booth
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
alcoholic doctorate
  02/07/14
...
Kink-friendly ticket booth
  02/07/14
you realize that to obtain the returns you stated above, one...
violent emerald school
  02/07/14
...
Kink-friendly ticket booth
  02/07/14
jfc why does she write shit like this
yapping fighting location
  07/09/17
This is true for everything ever.
Walnut hyperventilating sweet tailpipe
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
orange chad
  02/07/14
U r 36? LOLOL
Underhanded grizzly feces
  02/07/14
34 but I put more money than $2000 per year in there.
orange chad
  02/07/14
Damen. How does it feel to be literally half done with life?
Underhanded grizzly feces
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
orange chad
  02/07/14
Goal retirement age??
Underhanded grizzly feces
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
orange chad
  02/07/14
Any family pressure to get married??
Underhanded grizzly feces
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
orange chad
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
Fragrant Immigrant Sound Barrier
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
Talented Dog Poop
  02/07/14
...
Kink-friendly ticket booth
  02/07/14
Doctors are done here
Underhanded grizzly feces
  02/07/14
...
Vigorous Factory Reset Button Den
  02/13/15
...
Exhilarant box office
  02/20/17
...
concupiscible base goal in life
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
orange chad
  02/07/14
What were u doing at 22?
Underhanded grizzly feces
  02/07/14
crappy consulting firm do municipal bond analysis.
orange chad
  02/07/14
you should've gone into finance, instead. you'd have a milli...
alcoholic doctorate
  02/07/14
I was too lazy in college, but yeah would have been a good i...
orange chad
  02/07/14
$38k was a decent starting salary in 1995...?
Startling generalized bond
  02/08/14
my gf doesn't even have a credit card. she's 24
lavender striped hyena kitty cat
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
Electric temple
  02/07/14
...
Kink-friendly ticket booth
  02/07/14
yes arthur is fucked, ben pwns him
Electric temple
  02/07/14
Twist: Arthur was swimming in student loan debt
massive hairless heaven police squad
  02/07/14
...
Hairraiser sanctuary
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
Histrionic Gas Station
  02/07/14
...
Marvelous Bright Business Firm
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
titillating offensive rigpig
  02/07/14
True, the idea that investing early is a good idea sure didn...
Histrionic Gas Station
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
Impertinent laughsome piazza
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
Impertinent laughsome piazza
  07/08/17
Right. The person who started investing earlier is still in ...
Swollen mahogany state
  07/09/17
I think the more interesting hypo is a guy who starts invest...
mind-boggling multi-billionaire
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
Marvelous Bright Business Firm
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
Charcoal Parlor
  02/07/14
I still think it's more credited to maintain liquidity and i...
amber racy skinny woman
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
orange chad
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
Histrionic Gas Station
  02/07/14
(cgm)
plum adventurous office ratface
  02/07/14
What does this look like if you assume 6% returns?
Domesticated range
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
overrated national
  02/08/14
...
Kink-friendly ticket booth
  02/17/14
not really. my parents had very little just 20 years ago...
razzmatazz misanthropic house people who are hurt
  02/08/14
...
Kink-friendly ticket booth
  02/10/14
...
Twinkling rigor
  07/08/17
So your telling me that if I make a lot of money ill do well...
Charismatic New Version Private Investor
  12/10/14
...
Kink-friendly ticket booth
  05/14/14
...
Kink-friendly ticket booth
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
galvanic affirmative action
  12/10/14
...
Kink-friendly ticket booth
  12/10/14
...
Kink-friendly ticket booth
  02/13/15
this is retarded. for most of us, that would have meant soc...
black stimulating tattoo field
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
Vigorous Factory Reset Button Den
  02/13/15
...
Kink-friendly ticket booth
  02/13/15
we're in a bubble right now, so all of those figures are bul...
black stimulating tattoo field
  02/13/15
...
Kink-friendly ticket booth
  02/13/15
A year later after bitching in this thread, I have fucking $...
orange chad
  02/13/15
...
Kink-friendly ticket booth
  02/13/15
What has your APR been?
internet-worthy excitant roommate
  02/13/15
how much money did you have in cash on the sidelines from th...
Nofapping reading party
  02/13/15
...
Kink-friendly ticket booth
  12/29/15
...
Kink-friendly ticket booth
  04/18/16
I remember a teacher showing us this kind of chart back arou...
Lilac brunch
  04/18/16
wise move
Soggy dysfunction chapel
  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.
brilliant idea he suggested
  04/18/16
...
Kink-friendly ticket booth
  04/18/16
This is false and assumes one continues working a cookie-cut...
razzmatazz misanthropic house people who are hurt
  04/18/16
just do >10% growth every year. worked for bernie madoff
judgmental dark bawdyhouse
  04/18/16
This bort is retarded.
know-it-all halford french chef
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
Tan flirting institution
  04/18/16
...
Kink-friendly ticket booth
  04/18/16
you pointed it out above several times, and each time you go...
Tan flirting institution
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
Salmon hateful mediation depressive
  04/18/16
The real reason this chart is dumb is because of inflation. ...
Fluffy stage
  04/18/16
...
Kink-friendly ticket booth
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
Fluffy stage
  04/18/16
...
Kink-friendly ticket booth
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
Motley gaping mental disorder
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
Bateful Fear-inspiring Theatre
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
Federal fishy macaca
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
Provocative site clown
  02/20/17
I agree generally that returns will be lower. But if you ask...
Federal fishy macaca
  02/20/17
saving for retirement is flame. just slide and let do
pearly resort
  04/18/16
cr
Tan flirting institution
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
concupiscible base goal in life
  09/29/16
...
Kink-friendly ticket booth
  09/29/16
How do they get 10% retune every year
Anal multi-colored lodge trust fund
  09/29/16
noob investor question, but isn't this idea kind of self per...
Violet maniacal crackhouse
  09/29/16
Student loan interest exceeds most investment returns so tha...
galvanic affirmative action
  09/29/16
...
Violet maniacal crackhouse
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
Odious buck-toothed point
  02/20/17
...
Odious buck-toothed point
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
elite stag film partner
  07/08/17
COMPOUND INT--*nuke melts face*
splenetic maize lay electric furnace
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
turquoise bonkers juggernaut station
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
splenetic maize lay electric furnace
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
turquoise bonkers juggernaut station
  07/08/17
(Not a rental property owner)
glittery spruce hall giraffe
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
Swollen mahogany state
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
Odious buck-toothed point
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
turquoise bonkers juggernaut station
  07/08/17
now show me the table for $300K at 8% in student loans
chocolate tanning salon corn cake
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
High-end Henna Home
  07/08/17
...
concupiscible base goal in life
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
chocolate tanning salon corn cake
  07/08/17
data entry
Twinkling rigor
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
chocolate tanning salon corn cake
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
Twinkling rigor
  07/08/17
CR
concupiscible base goal in life
  07/08/17
Admin assistant
concupiscible base goal in life
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
chocolate tanning salon corn cake
  07/08/17
According to the chart all you need to invest is like 2k a y...
concupiscible base goal in life
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
sable market nibblets
  07/08/17
things barzini knew and did that you did not for $200, alex
Hairraiser sanctuary
  07/09/17
I think a much more sure bet is Social Security taxes being ...
Aromatic menage
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
sable market nibblets
  07/08/17
Investment compounding is the single biggest scam the inve...
overrated national
  07/09/17
...
lime territorial old irish cottage hunting ground
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
Tantric Library
  08/23/17
...
Kink-friendly ticket booth
  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: Kink-friendly ticket booth

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

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#24973861)



Reply Favorite

Date: December 10th, 2014 4:58 PM
Author: Spectacular theater stage philosopher-king

(Dave Ramsey)

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#26902444)



Reply Favorite

Date: September 15th, 2023 12:25 PM
Author: cream faggotry
Subject: Germany bull

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

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#46800798)



Reply Favorite

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



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#49814664)



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: Underhanded grizzly feces

Brb transferring money to my roth

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#24973868)



Reply Favorite

Date: February 8th, 2014 10:44 AM
Author: Cracking mewling puppy



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#24977580)



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: Rambunctious Trailer Park Masturbator

yep

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#24973869)



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: Chest-beating Demanding Ladyboy Windowlicker

what is the apr on this

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#24973876)



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: orange chad

12% lol.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#24973888)



Reply Favorite

Date: February 7th, 2014 3:25 PM
Author: Supple School Cafeteria Goyim

fucking boomers

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#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=2pk5w1#49814662)



Reply Favorite

Date: February 7th, 2014 3:28 PM
Author: Kink-friendly ticket booth



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#24973909)



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: massive hairless heaven police squad

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=2pk5w1#24973943)



Reply Favorite

Date: February 7th, 2014 3:34 PM
Author: violent emerald school

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=2pk5w1#24973956)



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: massive hairless heaven police squad

180

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#24973957)



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: Sooty appetizing mother azn



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#24977596)



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: passionate chartreuse circlehead



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#27308992)



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: Hyperactive coral brethren



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#30296117)



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: massive hairless heaven police squad



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#32659739)



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: Heady chestnut senate hairy legs



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#32659752)



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: Hyperactive coral brethren



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#33727729)



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: Kink-friendly ticket booth



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#24973961)



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: massive hairless heaven police squad

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=2pk5w1#24974015)



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: Kink-friendly ticket booth



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#24974029)



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: massive hairless heaven police squad

(guy who recently watched The Secret)

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#24974037)



Reply Favorite

Date: February 7th, 2014 3:56 PM
Author: massive hairless heaven police squad

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

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#24974074)



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: massive hairless heaven police squad

(Boomer in 2006 buying third investment property)

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#24974084)



Reply Favorite

Date: February 7th, 2014 3:59 PM
Author: glittery spruce hall giraffe

this will not occur over the next 40 years

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#24974094)



Reply Favorite

Date: February 7th, 2014 4:36 PM
Author: know-it-all halford french chef

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=2pk5w1#24974300)



Reply Favorite

Date: February 7th, 2014 4:40 PM
Author: Kink-friendly ticket booth



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#24974318)



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: glittery spruce hall giraffe

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=2pk5w1#26902473)



Reply Favorite

Date: April 18th, 2016 9:12 AM
Author: glittery spruce hall giraffe



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#30296267)



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: glittery spruce hall giraffe

A true genius

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#31521448)



Reply Favorite

Date: April 18th, 2016 7:41 AM
Author: Light yarmulke



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#30296069)



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: glittery spruce hall giraffe

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=2pk5w1#30296264)



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Date: February 7th, 2014 3:23 PM
Author: Effete shitlib

Just do assume 12% returns for 45 years

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#24973884)



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Date: February 7th, 2014 3:29 PM
Author: Kink-friendly ticket booth



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#24973915)



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Date: February 7th, 2014 3:54 PM
Author: glittery spruce hall giraffe

CR incredibly retarded

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#24974063)



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Date: April 18th, 2016 8:57 AM
Author: know-it-all halford french chef

It doesn't change regardless of rate.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#30296224)



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Date: April 18th, 2016 9:13 AM
Author: glittery spruce hall giraffe

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

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#30296270)



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Date: April 13th, 2026 1:59 PM
Author: may his bones be crushed



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#49814669)



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Date: February 20th, 2017 9:25 AM
Author: Irradiated navy theater

(finance genius)

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#32660234)



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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=2pk5w1#49814641)



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Date: February 7th, 2014 3:23 PM
Author: Vibrant native

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=2pk5w1#24973885)



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Date: February 7th, 2014 3:29 PM
Author: Kink-friendly ticket booth



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#24973917)



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Date: February 7th, 2014 3:58 PM
Author: glittery spruce hall giraffe

this will not be the case for the next 50 years



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#24974089)



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Date: February 7th, 2014 3:23 PM
Author: infuriating locus

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

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#24973886)



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Date: April 18th, 2016 9:35 AM
Author: Well-lubricated Orchestra Pit

lol'd

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#30296344)



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Date: September 29th, 2016 10:24 AM
Author: wonderful topaz university

haha

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#31520040)



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Date: February 20th, 2017 1:49 AM
Author: massive hairless heaven police squad



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#32659740)



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Date: February 20th, 2017 8:38 AM
Author: know-it-all halford french chef



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#32660112)



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Date: February 20th, 2017 8:40 AM
Author: Aphrodisiac Meetinghouse Boiling Water



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#32660118)



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Date: August 23rd, 2017 11:22 AM
Author: Tantric Library



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#34051903)



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Date: February 7th, 2014 3:23 PM
Author: alcoholic doctorate

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=2pk5w1#24973892)



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Date: February 7th, 2014 3:30 PM
Author: Kink-friendly ticket booth



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#24973927)



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Date: February 7th, 2014 3:33 PM
Author: alcoholic doctorate

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=2pk5w1#24973941)



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Date: February 7th, 2014 3:36 PM
Author: Kink-friendly ticket booth



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#24973971)



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Date: February 7th, 2014 3:40 PM
Author: alcoholic doctorate

?

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=2pk5w1#24973993)



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Kink-friendly ticket booth



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#24974016)



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Date: February 7th, 2014 3:47 PM
Author: alcoholic doctorate

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=2pk5w1#24974038)



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Date: February 7th, 2014 3:49 PM
Author: Kink-friendly ticket booth



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#24974047)



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Date: February 7th, 2014 4:13 PM
Author: alcoholic doctorate

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=2pk5w1#24974177)



Reply Favorite

Date: February 7th, 2014 4:33 PM
Author: Kink-friendly ticket booth



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#24974276)



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Date: February 7th, 2014 4:35 PM
Author: violent emerald school

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=2pk5w1#24974293)



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Date: February 7th, 2014 4:41 PM
Author: Kink-friendly ticket booth



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#24974323)



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Date: July 9th, 2017 11:26 AM
Author: yapping fighting location

jfc why does she write shit like this

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#33734246)



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Date: September 29th, 2016 2:14 PM
Author: Walnut hyperventilating sweet tailpipe

This is true for everything ever.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#31521852)



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Date: February 7th, 2014 3:25 PM
Author: orange chad

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=2pk5w1#24973900)



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Date: February 7th, 2014 3:30 PM
Author: Underhanded grizzly feces

U r 36? LOLOL

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#24973930)



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Date: February 7th, 2014 3:31 PM
Author: orange chad

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

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#24973933)



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Date: February 7th, 2014 3:36 PM
Author: Underhanded grizzly feces

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

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#24973972)



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Date: February 7th, 2014 3:39 PM
Author: orange chad

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=2pk5w1#24973988)



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Date: February 7th, 2014 3:40 PM
Author: Underhanded grizzly feces

Goal retirement age??

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#24973997)



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Date: February 7th, 2014 3:43 PM
Author: orange chad

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=2pk5w1#24974009)



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Date: February 7th, 2014 3:45 PM
Author: Underhanded grizzly feces

Any family pressure to get married??

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#24974022)



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Date: February 7th, 2014 3:46 PM
Author: orange chad

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=2pk5w1#24974030)



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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=2pk5w1#49814674)



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Date: February 7th, 2014 3:32 PM
Author: Fragrant Immigrant Sound Barrier

(39-year-old, MAF troll)

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#24973935)



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Date: February 7th, 2014 3:38 PM
Author: Talented Dog Poop

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=2pk5w1#24973984)



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Date: February 7th, 2014 3:39 PM
Author: Kink-friendly ticket booth



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#24973992)



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Date: February 7th, 2014 3:43 PM
Author: Underhanded grizzly feces

Doctors are done here

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#24974011)



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Date: February 13th, 2015 5:32 PM
Author: Vigorous Factory Reset Button Den



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#27309307)



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Date: February 20th, 2017 8:41 AM
Author: Exhilarant box office



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#32660123)



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Date: July 8th, 2017 12:26 PM
Author: concupiscible base goal in life



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#33728100)



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Date: February 7th, 2014 3:45 PM
Author: orange chad

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=2pk5w1#24974025)



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: Underhanded grizzly feces

What were u doing at 22?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#24974035)



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Date: February 7th, 2014 3:54 PM
Author: orange chad

crappy consulting firm do municipal bond analysis.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#24974067)



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Date: February 7th, 2014 3:58 PM
Author: alcoholic doctorate

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=2pk5w1#24974087)



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Date: February 7th, 2014 3:59 PM
Author: orange chad

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=2pk5w1#24974092)



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Date: February 8th, 2014 10:36 AM
Author: Startling generalized bond

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

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#24977559)



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Date: April 18th, 2016 9:49 AM
Author: lavender striped hyena kitty cat

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

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#30296392)



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Date: February 7th, 2014 3:48 PM
Author: Electric temple

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=2pk5w1#24974041)



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Date: February 7th, 2014 3:50 PM
Author: Kink-friendly ticket booth



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#24974050)



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Date: February 7th, 2014 3:57 PM
Author: Electric temple

yes arthur is fucked, ben pwns him

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#24974080)



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Date: February 7th, 2014 3:51 PM
Author: massive hairless heaven police squad

Twist: Arthur was swimming in student loan debt

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#24974053)



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Date: February 13th, 2015 5:46 PM
Author: Hairraiser sanctuary



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#27309408)



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Date: February 7th, 2014 4:01 PM
Author: Histrionic Gas Station

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=2pk5w1#24974098)



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Date: February 8th, 2014 8:23 PM
Author: Marvelous Bright Business Firm



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#24980368)



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Date: February 7th, 2014 4:08 PM
Author: titillating offensive rigpig

*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=2pk5w1#24974133)



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Date: February 7th, 2014 4:10 PM
Author: Histrionic Gas Station

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=2pk5w1#24974151)



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Date: September 29th, 2016 1:14 PM
Author: Impertinent laughsome piazza

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=2pk5w1#31521424)



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Date: July 8th, 2017 10:02 AM
Author: Impertinent laughsome piazza

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=2pk5w1#33727706)



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Date: July 9th, 2017 10:45 AM
Author: Swollen mahogany state

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=2pk5w1#33734072)



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Date: February 7th, 2014 4:10 PM
Author: mind-boggling multi-billionaire

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=2pk5w1#24974146)



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Date: February 8th, 2014 8:23 PM
Author: Marvelous Bright Business Firm

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=2pk5w1#24980361)



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Date: February 7th, 2014 4:10 PM
Author: Charcoal Parlor

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=2pk5w1#24974148)



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Date: February 7th, 2014 4:11 PM
Author: amber racy skinny woman

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=2pk5w1#24974156)



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Date: February 7th, 2014 4:15 PM
Author: orange chad

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=2pk5w1#24974195)



Reply Favorite

Date: February 7th, 2014 4:38 PM
Author: Histrionic Gas Station

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=2pk5w1#24974306)



Reply Favorite

Date: February 7th, 2014 4:58 PM
Author: plum adventurous office ratface

(cgm)

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#24974418)



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: Domesticated range

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

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#24977572)



Reply Favorite

Date: February 8th, 2014 10:51 AM
Author: overrated national

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=2pk5w1#24977600)



Reply Favorite

Date: February 17th, 2014 11:13 AM
Author: Kink-friendly ticket booth



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#25034365)



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Date: February 8th, 2014 11:02 AM
Author: razzmatazz misanthropic house 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=2pk5w1#24977623)



Reply Favorite

Date: February 10th, 2014 2:32 PM
Author: Kink-friendly ticket booth



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#24990298)



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: Twinkling rigor



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#33727922)



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: Charismatic New Version Private Investor

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=2pk5w1#26902507)



Reply Favorite

Date: May 14th, 2014 9:23 AM
Author: Kink-friendly ticket booth



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#25559090)



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: Kink-friendly ticket booth



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#26902440)



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: galvanic affirmative action

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=2pk5w1#26902483)



Reply Favorite

Date: December 10th, 2014 5:10 PM
Author: Kink-friendly ticket booth



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#26902522)



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: Kink-friendly ticket booth



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#27307587)



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Date: February 13th, 2015 5:33 PM
Author: black stimulating tattoo field

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=2pk5w1#27309317)



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Date: February 13th, 2015 5:35 PM
Author: Vigorous Factory Reset Button Den

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=2pk5w1#27309326)



Reply Favorite

Date: February 13th, 2015 5:36 PM
Author: Kink-friendly ticket booth



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#27309340)



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: black stimulating tattoo field

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=2pk5w1#27309354)



Reply Favorite

Date: February 13th, 2015 5:50 PM
Author: Kink-friendly ticket booth



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#27309440)



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: orange chad

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=2pk5w1#27309399)



Reply Favorite

Date: February 13th, 2015 5:52 PM
Author: Kink-friendly ticket booth



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#27309458)



Reply Favorite

Date: February 13th, 2015 5:53 PM
Author: internet-worthy excitant roommate

What has your APR been?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#27309459)



Reply Favorite

Date: February 13th, 2015 6:18 PM
Author: Nofapping reading party

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=2pk5w1#27309632)



Reply Favorite

Date: December 29th, 2015 1:41 PM
Author: Kink-friendly ticket booth



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#29477105)



Reply Favorite

Date: April 18th, 2016 7:18 AM
Author: Kink-friendly ticket booth



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#30296033)



Reply Favorite

Date: April 18th, 2016 7:47 AM
Author: Lilac brunch

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=2pk5w1#30296076)



Reply Favorite

Date: April 18th, 2016 8:17 AM
Author: Soggy dysfunction chapel

wise move

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#30296131)



Reply Favorite

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

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

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#49814688)



Reply Favorite

Date: April 18th, 2016 7:49 AM
Author: brilliant idea he suggested

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

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#30296079)



Reply Favorite

Date: April 18th, 2016 9:40 AM
Author: Kink-friendly ticket booth



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#30296365)



Reply Favorite

Date: April 18th, 2016 7:50 AM
Author: razzmatazz misanthropic house 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=2pk5w1#30296082)



Reply Favorite

Date: April 18th, 2016 8:51 AM
Author: judgmental dark bawdyhouse

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

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#30296208)



Reply Favorite

Date: April 18th, 2016 8:57 AM
Author: know-it-all halford french chef

This bort is retarded.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#30296225)



Reply Favorite

Date: April 18th, 2016 9:04 AM
Author: Tan flirting institution

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=2pk5w1#30296237)



Reply Favorite

Date: April 18th, 2016 9:41 AM
Author: Kink-friendly ticket booth



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#30296367)



Reply Favorite

Date: April 18th, 2016 10:04 AM
Author: Tan flirting institution

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=2pk5w1#30296421)



Reply Favorite

Date: April 18th, 2016 9:20 AM
Author: Salmon hateful mediation depressive

http://imgur.com/gnMx2MX

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

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#30296292)



Reply Favorite

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

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=2pk5w1#30296293)



Reply Favorite

Date: April 18th, 2016 9:45 AM
Author: Kink-friendly ticket booth



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#30296380)



Reply Favorite

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

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=2pk5w1#30296396)



Reply Favorite

Date: April 18th, 2016 10:02 AM
Author: Kink-friendly ticket booth



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#30296414)



Reply Favorite

Date: July 8th, 2017 11:01 AM
Author: Motley gaping mental disorder

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

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#33727858)



Reply Favorite

Date: September 15th, 2023 11:41 AM
Author: Bateful Fear-inspiring Theatre

*assumes 3% inflation*

*fade in cannibal holocaust theme*

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#46800635)



Reply Favorite

Date: April 18th, 2016 9:24 AM
Author: Federal fishy macaca

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=2pk5w1#30296303)



Reply Favorite

Date: February 20th, 2017 3:10 AM
Author: Provocative site clown

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=2pk5w1#32659870)



Reply Favorite

Date: February 20th, 2017 7:57 AM
Author: Federal fishy macaca

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=2pk5w1#32660046)



Reply Favorite

Date: April 18th, 2016 9:57 AM
Author: pearly resort

saving for retirement is flame. just slide and let do

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#30296404)



Reply Favorite

Date: April 18th, 2016 10:04 AM
Author: Tan flirting institution

cr

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#30296427)



Reply Favorite

Date: September 29th, 2016 10:24 AM
Author: concupiscible base goal in life

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

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#31520037)



Reply Favorite

Date: September 29th, 2016 10:03 AM
Author: Kink-friendly ticket booth



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#31519911)



Reply Favorite

Date: September 29th, 2016 1:21 PM
Author: Anal multi-colored lodge trust fund

How do they get 10% retune every year

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#31521456)



Reply Favorite

Date: September 29th, 2016 2:04 PM
Author: Violet maniacal crackhouse

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=2pk5w1#31521755)



Reply Favorite

Date: September 29th, 2016 2:12 PM
Author: galvanic affirmative action

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=2pk5w1#31521840)



Reply Favorite

Date: September 29th, 2016 4:48 PM
Author: Violet maniacal crackhouse



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#31523215)



Reply Favorite

Date: February 20th, 2017 8:11 AM
Author: Odious buck-toothed point

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=2pk5w1#32660068)



Reply Favorite

Date: July 8th, 2017 9:32 AM
Author: Odious buck-toothed point



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#33727637)



Reply Favorite

Date: July 8th, 2017 9:40 AM
Author: elite stag film partner

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

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#33727655)



Reply Favorite

Date: July 8th, 2017 9:46 AM
Author: splenetic maize lay electric furnace

COMPOUND INT--*nuke melts face*

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#33727662)



Reply Favorite

Date: July 8th, 2017 9:50 AM
Author: turquoise bonkers juggernaut station

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=2pk5w1#33727671)



Reply Favorite

Date: July 8th, 2017 9:52 AM
Author: splenetic maize lay electric furnace

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=2pk5w1#33727675)



Reply Favorite

Date: July 8th, 2017 9:54 AM
Author: turquoise bonkers juggernaut station

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=2pk5w1#33727681)



Reply Favorite

Date: July 8th, 2017 10:16 AM
Author: glittery spruce hall giraffe

(Not a rental property owner)

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#33727734)



Reply Favorite

Date: July 9th, 2017 11:14 AM
Author: Swollen mahogany state

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=2pk5w1#33734178)



Reply Favorite

Date: July 8th, 2017 10:05 AM
Author: Odious buck-toothed point

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

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#33727714)



Reply Favorite

Date: July 8th, 2017 10:06 AM
Author: turquoise bonkers juggernaut station

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=2pk5w1#33727719)



Reply Favorite

Date: July 8th, 2017 12:06 PM
Author: chocolate tanning salon corn cake

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

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#33728030)



Reply Favorite

Date: July 8th, 2017 12:13 PM
Author: High-end Henna Home

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=2pk5w1#33728056)



Reply Favorite

Date: July 8th, 2017 12:28 PM
Author: concupiscible base goal in life



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#33728105)



Reply Favorite

Date: July 8th, 2017 12:30 PM
Author: chocolate tanning salon corn cake

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=2pk5w1#33728113)



Reply Favorite

Date: July 8th, 2017 12:32 PM
Author: Twinkling rigor

data entry

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#33728119)



Reply Favorite

Date: July 8th, 2017 12:46 PM
Author: chocolate tanning salon corn cake

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=2pk5w1#33728151)



Reply Favorite

Date: July 8th, 2017 1:03 PM
Author: Twinkling rigor

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=2pk5w1#33728219)



Reply Favorite

Date: July 8th, 2017 1:04 PM
Author: concupiscible base goal in life

CR

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#33728221)



Reply Favorite

Date: July 8th, 2017 12:32 PM
Author: concupiscible base goal in life

Admin assistant

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#33728122)



Reply Favorite

Date: July 8th, 2017 12:45 PM
Author: chocolate tanning salon corn cake

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=2pk5w1#33728148)



Reply Favorite

Date: July 8th, 2017 12:57 PM
Author: concupiscible base goal in life

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=2pk5w1#33728193)



Reply Favorite

Date: July 8th, 2017 1:26 PM
Author: sable market nibblets

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=2pk5w1#33728308)



Reply Favorite

Date: July 9th, 2017 11:10 AM
Author: Hairraiser sanctuary

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

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#33734164)



Reply Favorite

Date: July 8th, 2017 12:45 PM
Author: Aromatic menage

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=2pk5w1#33728150)



Reply Favorite

Date: July 8th, 2017 1:27 PM
Author: sable market nibblets

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=2pk5w1#33728311)



Reply Favorite

Date: July 9th, 2017 11:21 AM
Author: overrated national

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=2pk5w1#33734215)



Reply Favorite

Date: August 22nd, 2017 7:26 PM
Author: lime territorial old irish cottage hunting ground



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#34048286)



Reply Favorite

Date: August 23rd, 2017 11:19 AM
Author: Tantric Library

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=2pk5w1#34051890)



Reply Favorite

Date: September 15th, 2023 11:28 AM
Author: Kink-friendly ticket booth



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#46800589)



Reply Favorite

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

how’d we all do?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#49814625)



Reply Favorite

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

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

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#49814655)



Reply Favorite

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



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2pk5w1#49814666)