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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...
hyperactive area black woman
  02/07/14
(Dave Ramsey)
Honey-headed Faggotry
  12/10/14
Germany bull
Cerebral Primrose Location
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
glittery theatre
  02/07/14
...
soul-stirring haunting shrine elastic band
  02/08/14
yep
At-the-ready hall
  02/07/14
what is the apr on this
Excitant sadistic forum crotch
  02/07/14
12% lol.
bonkers field
  02/07/14
fucking boomers
Sepia house
  02/07/14
...
may his bones be crushed
  04/13/26
...
hyperactive area black woman
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
Misunderstood Vivacious Range
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
fragrant french parlor preventive strike
  02/07/14
180
Misunderstood Vivacious Range
  02/07/14
...
crusty crimson brunch
  02/08/14
...
amethyst arrogant blood rage
  02/13/15
...
Adulterous gay wizard
  04/18/16
...
Misunderstood Vivacious Range
  02/20/17
...
Aggressive gay bbw
  02/20/17
...
Adulterous gay wizard
  07/08/17
...
hyperactive area black woman
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
Misunderstood Vivacious Range
  02/07/14
...
hyperactive area black woman
  02/07/14
(guy who recently watched The Secret)
Misunderstood Vivacious Range
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
Misunderstood Vivacious Range
  02/07/14
(Boomer in 2006 buying third investment property)
Misunderstood Vivacious Range
  02/07/14
this will not occur over the next 40 years
Poppy Stead Knife
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
ultramarine kitty
  02/07/14
...
hyperactive area black woman
  02/07/14
Compare the demographics, foreign competition, and regulator...
Poppy Stead Knife
  12/10/14
...
Poppy Stead Knife
  04/18/16
A true genius
Poppy Stead Knife
  09/29/16
...
Misanthropic copper tanning salon
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
Poppy Stead Knife
  04/18/16
Just do assume 12% returns for 45 years
Vibrant mauve digit ratio nursing home
  02/07/14
...
hyperactive area black woman
  02/07/14
CR incredibly retarded
Poppy Stead Knife
  02/07/14
It doesn't change regardless of rate.
ultramarine kitty
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
Poppy Stead Knife
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
Mind-boggling 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....
Curious Pink Chapel Legend
  02/07/14
...
hyperactive area black woman
  02/07/14
this will not be the case for the next 50 years
Poppy Stead Knife
  02/07/14
(Suze Orman after a few too many glasses of wine)
light generalized bond principal's office
  02/07/14
lol'd
pale flickering state marketing idea
  04/18/16
haha
hairraiser toaster roast beef
  09/29/16
...
Misunderstood Vivacious Range
  02/20/17
...
ultramarine kitty
  02/20/17
...
Galvanic mint tank
  02/20/17
...
Canary aromatic party of the first part police squad
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
startling exciting library
  02/07/14
...
hyperactive area black woman
  02/07/14
Not if returns were negative when/in the years immediately f...
startling exciting library
  02/07/14
...
hyperactive area black woman
  02/07/14
? All the hypo supposes is that you start investing in yo...
startling exciting library
  02/07/14
...
hyperactive area black woman
  02/07/14
YOUR personal rate of return is different from the market's ...
startling exciting library
  02/07/14
...
hyperactive area black woman
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
startling exciting library
  02/07/14
...
hyperactive area black woman
  02/07/14
you realize that to obtain the returns you stated above, one...
fragrant french parlor preventive strike
  02/07/14
...
hyperactive area black woman
  02/07/14
jfc why does she write shit like this
Brindle market
  07/09/17
This is true for everything ever.
white jew psychic
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
bonkers field
  02/07/14
U r 36? LOLOL
glittery theatre
  02/07/14
34 but I put more money than $2000 per year in there.
bonkers field
  02/07/14
Damen. How does it feel to be literally half done with life?
glittery theatre
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
bonkers field
  02/07/14
Goal retirement age??
glittery theatre
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
bonkers field
  02/07/14
Any family pressure to get married??
glittery theatre
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
bonkers field
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
metal razzmatazz resort french chef
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
floppy mildly autistic cuckold lay
  02/07/14
...
hyperactive area black woman
  02/07/14
Doctors are done here
glittery theatre
  02/07/14
...
Jet-lagged Quadroon Sneaky Criminal
  02/13/15
...
coiffed site fortuitous meteor
  02/20/17
...
Trip godawful native famous landscape painting
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
bonkers field
  02/07/14
What were u doing at 22?
glittery theatre
  02/07/14
crappy consulting firm do municipal bond analysis.
bonkers field
  02/07/14
you should've gone into finance, instead. you'd have a milli...
startling exciting library
  02/07/14
I was too lazy in college, but yeah would have been a good i...
bonkers field
  02/07/14
$38k was a decent starting salary in 1995...?
pungent pistol jewess
  02/08/14
my gf doesn't even have a credit card. she's 24
Jet trailer park
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
rose temple
  02/07/14
...
hyperactive area black woman
  02/07/14
yes arthur is fucked, ben pwns him
rose temple
  02/07/14
Twist: Arthur was swimming in student loan debt
Misunderstood Vivacious Range
  02/07/14
...
buff multi-billionaire
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
Supple love of her life
  02/07/14
...
thriller ungodly stage
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
Out-of-control flesh public bath
  02/07/14
True, the idea that investing early is a good idea sure didn...
Supple love of her life
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
medicated pearly messiness
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
medicated pearly messiness
  07/08/17
Right. The person who started investing earlier is still in ...
slap-happy spot potus
  07/09/17
I think the more interesting hypo is a guy who starts invest...
big jap
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
thriller ungodly stage
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
onyx church building juggernaut
  02/07/14
I still think it's more credited to maintain liquidity and i...
frisky fluffy therapy
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
bonkers field
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
Supple love of her life
  02/07/14
(cgm)
adventurous lime cruise ship
  02/07/14
What does this look like if you assume 6% returns?
slippery charismatic mad-dog skullcap
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
Dashing smoky laser beams center
  02/08/14
...
hyperactive area black woman
  02/17/14
not really. my parents had very little just 20 years ago...
Concupiscible Menage Dingle Berry
  02/08/14
...
hyperactive area black woman
  02/10/14
...
Razzle twinkling uncleanness masturbator
  07/08/17
So your telling me that if I make a lot of money ill do well...
Passionate self-centered ape coffee pot
  12/10/14
...
hyperactive area black woman
  05/14/14
...
hyperactive area black woman
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
submissive vigorous lodge hunting ground
  12/10/14
...
hyperactive area black woman
  12/10/14
...
hyperactive area black woman
  02/13/15
this is retarded. for most of us, that would have meant soc...
Bateful bat-shit-crazy volcanic crater azn
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
Jet-lagged Quadroon Sneaky Criminal
  02/13/15
...
hyperactive area black woman
  02/13/15
we're in a bubble right now, so all of those figures are bul...
Bateful bat-shit-crazy volcanic crater azn
  02/13/15
...
hyperactive area black woman
  02/13/15
A year later after bitching in this thread, I have fucking $...
bonkers field
  02/13/15
...
hyperactive area black woman
  02/13/15
What has your APR been?
Comical shitlib
  02/13/15
how much money did you have in cash on the sidelines from th...
insecure self-absorbed karate casino
  02/13/15
...
hyperactive area black woman
  12/29/15
...
hyperactive area black woman
  04/18/16
I remember a teacher showing us this kind of chart back arou...
dull death wish
  04/18/16
wise move
Apoplectic Arousing Queen Of The Night Giraffe
  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.
sienna national
  04/18/16
...
hyperactive area black woman
  04/18/16
This is false and assumes one continues working a cookie-cut...
Concupiscible Menage Dingle Berry
  04/18/16
just do >10% growth every year. worked for bernie madoff
Stirring insanely creepy theater stage
  04/18/16
This bort is retarded.
ultramarine kitty
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
opaque hospital cuck
  04/18/16
...
hyperactive area black woman
  04/18/16
you pointed it out above several times, and each time you go...
opaque hospital cuck
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
startled olive antidepressant drug gas station
  04/18/16
The real reason this chart is dumb is because of inflation. ...
azure histrionic plaza filthpig
  04/18/16
...
hyperactive area black woman
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
azure histrionic plaza filthpig
  04/18/16
...
hyperactive area black woman
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
Mischievous hominid
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
Slimy Step-uncle's House
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
erotic burgundy property
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
Exhilarant candlestick maker stag film
  02/20/17
I agree generally that returns will be lower. But if you ask...
erotic burgundy property
  02/20/17
saving for retirement is flame. just slide and let do
Geriatric abnormal school
  04/18/16
cr
opaque hospital cuck
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
Trip godawful native famous landscape painting
  09/29/16
...
hyperactive area black woman
  09/29/16
How do they get 10% retune every year
marvelous garrison
  09/29/16
noob investor question, but isn't this idea kind of self per...
plum base feces
  09/29/16
Student loan interest exceeds most investment returns so tha...
submissive vigorous lodge hunting ground
  09/29/16
...
plum base feces
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
Elite territorial son of senegal
  02/20/17
...
Elite territorial son of senegal
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
Mewling locus
  07/08/17
COMPOUND INT--*nuke melts face*
180 fighting reading party senate
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
aphrodisiac talking university
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
180 fighting reading party senate
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
aphrodisiac talking university
  07/08/17
(Not a rental property owner)
Poppy Stead Knife
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
slap-happy spot potus
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
Elite territorial son of senegal
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
aphrodisiac talking university
  07/08/17
now show me the table for $300K at 8% in student loans
rough-skinned awkward factory reset button
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
unhinged toilet seat
  07/08/17
...
Trip godawful native famous landscape painting
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
rough-skinned awkward factory reset button
  07/08/17
data entry
Razzle twinkling uncleanness masturbator
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
rough-skinned awkward factory reset button
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
Razzle twinkling uncleanness masturbator
  07/08/17
CR
Trip godawful native famous landscape painting
  07/08/17
Admin assistant
Trip godawful native famous landscape painting
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
rough-skinned awkward factory reset button
  07/08/17
According to the chart all you need to invest is like 2k a y...
Trip godawful native famous landscape painting
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
Pontificating rehab headpube
  07/08/17
things barzini knew and did that you did not for $200, alex
buff multi-billionaire
  07/09/17
I think a much more sure bet is Social Security taxes being ...
snowy theater
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
Pontificating rehab headpube
  07/08/17
Investment compounding is the single biggest scam the inve...
Dashing smoky laser beams center
  07/09/17
...
disrespectful set
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
Canary aromatic party of the first part police squad
  08/23/17
...
hyperactive area black woman
  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: hyperactive area black woman

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

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



Reply Favorite

Date: December 10th, 2014 4:58 PM
Author: Honey-headed Faggotry

(Dave Ramsey)

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



Reply Favorite

Date: September 15th, 2023 12:25 PM
Author: Cerebral Primrose Location
Subject: Germany bull

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

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



Reply Favorite

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



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: glittery theatre

Brb transferring money to my roth

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



Reply Favorite

Date: February 8th, 2014 10:44 AM
Author: soul-stirring haunting shrine elastic band



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: At-the-ready hall

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: Excitant sadistic forum crotch

what is the apr on this

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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: bonkers field

12% lol.

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



Reply Favorite

Date: February 7th, 2014 3:25 PM
Author: Sepia house

fucking boomers

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24973898)



Reply Favorite

Date: April 13th, 2026 1:57 PM
Author: may his bones be crushed



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



Reply Favorite

Date: February 7th, 2014 3:28 PM
Author: hyperactive area black woman



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Misunderstood Vivacious Range

So for the next 50 years the US Economy will be as prosperous as the last 50?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24973943)



Reply Favorite

Date: February 7th, 2014 3:34 PM
Author: fragrant french parlor preventive strike

haven't you read the disclaimer at the bottom of every mutual fund or etf prospectus? it says past returns predict future results.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24973956)



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: Misunderstood Vivacious Range

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: crusty crimson brunch



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: amethyst arrogant blood rage



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: Adulterous gay wizard



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: Misunderstood Vivacious Range



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: Aggressive gay bbw



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: Adulterous gay wizard



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: hyperactive area black woman



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Misunderstood Vivacious Range

Change your 10 year window to 1999 to 2009, you'd be down almost 20 percent.

United States 1950-2001 was an absolute powerhouse, I do not expect the same domination for the next 50 years, not of that magnitude.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24974015)



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: hyperactive area black woman



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Misunderstood Vivacious Range

(guy who recently watched The Secret)

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



Reply Favorite

Date: February 7th, 2014 3:56 PM
Author: Misunderstood Vivacious Range

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

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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: Misunderstood Vivacious Range

(Boomer in 2006 buying third investment property)

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



Reply Favorite

Date: February 7th, 2014 3:59 PM
Author: Poppy Stead Knife

this will not occur over the next 40 years

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



Reply Favorite

Date: February 7th, 2014 4:36 PM
Author: ultramarine kitty

So annual returns are declining by 1-2 percent per year in your timescale? Got it.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24974300)



Reply Favorite

Date: February 7th, 2014 4:40 PM
Author: hyperactive area black woman



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: Poppy Stead Knife

Compare the demographics, foreign competition, and regulatory burden at those times vs the next 40 years.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#26902473)



Reply Favorite

Date: April 18th, 2016 9:12 AM
Author: Poppy Stead Knife



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: Poppy Stead Knife

A true genius

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



Reply Favorite

Date: April 18th, 2016 7:41 AM
Author: Misanthropic copper tanning salon



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: Poppy Stead Knife

Holy shit, I always thought you were a dumb shitlib, but you actually are a very low IQ moron.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#30296264)



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Vibrant mauve digit ratio nursing home

Just do assume 12% returns for 45 years

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



Reply Favorite

Date: February 7th, 2014 3:29 PM
Author: hyperactive area black woman



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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: Poppy Stead Knife

CR incredibly retarded

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



Reply Favorite

Date: April 18th, 2016 8:57 AM
Author: ultramarine kitty

It doesn't change regardless of rate.

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



Reply Favorite

Date: April 18th, 2016 9:13 AM
Author: Poppy Stead Knife

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

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



Reply Favorite

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



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



Reply Favorite

Date: February 20th, 2017 9:25 AM
Author: Mind-boggling Hell

(finance genius)

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



Reply Favorite

Date: April 13th, 2026 1:50 PM
Author: Goyvin Jewsom

So far so good

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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Curious Pink Chapel Legend

That's a pretty cool investment that goes up 10% every year. What's it called?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24973885)



Reply Favorite

Date: February 7th, 2014 3:29 PM
Author: hyperactive area black woman



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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: Poppy Stead Knife

this will not be the case for the next 50 years



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: light generalized bond principal's office

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

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



Reply Favorite

Date: April 18th, 2016 9:35 AM
Author: pale flickering state marketing idea

lol'd

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



Reply Favorite

Date: September 29th, 2016 10:24 AM
Author: hairraiser toaster roast beef

haha

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



Reply Favorite

Date: February 20th, 2017 1:49 AM
Author: Misunderstood Vivacious Range



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



Reply Favorite

Date: February 20th, 2017 8:38 AM
Author: ultramarine kitty



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: Galvanic mint tank



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: Canary aromatic party of the first part police squad



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: startling exciting library

Jesus, stfup. No, you're not fucked if you don't begin investing by 21, though it is certainly advantageous.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24973892)



Reply Favorite

Date: February 7th, 2014 3:30 PM
Author: hyperactive area black woman



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: startling exciting library

Not if returns were negative when/in the years immediately following when you started --i.e.-- a 22 yo in 2008 starting his 401K right as the stock market tanked. This also isn't true if you compensate by saving/investing more later.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24973941)



Reply Favorite

Date: February 7th, 2014 3:36 PM
Author: hyperactive area black woman



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: startling exciting library

?

All the hypo supposes is that you start investing in your early 20s. The "miracle of compounding" is thanks to markets, which obviously fluctuate dramatically and do not offer consistent returns/

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24973993)



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: hyperactive area black woman



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: startling exciting library

YOUR personal rate of return is different from the market's average rate of return, based on a variety of factors, such as the precise timing/market direction of when you first began investing.



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24974038)



Reply Favorite

Date: February 7th, 2014 3:49 PM
Author: hyperactive area black woman



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



Reply Favorite

Date: February 7th, 2014 4:13 PM
Author: startling exciting library

False.

Here's a 5-year example:

Joe invests $1000 in 2002. The market grows 10% each year. In 2007, he thus has about $1600 after 5 years.

Jim invests in 2008. The market drops 38%. He's down to $620.

It increases 18% in 2009, so he's now up to $731.60. In 2010 it increases 11%, bringing him up to about $810. In 2011, he sees a 7% increase, so he's now at 867. He's up 5% in 2012, bringing him up to about $910.

Joe is thus up 60% in 5 years; Jim DOWN nearly 10%.

There was no difference except for when they began investing.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24974177)



Reply Favorite

Date: February 7th, 2014 4:33 PM
Author: hyperactive area black woman



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



Reply Favorite

Date: February 7th, 2014 4:35 PM
Author: fragrant french parlor preventive strike

you realize that to obtain the returns you stated above, one must invest on a particular day and no other day?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24974293)



Reply Favorite

Date: February 7th, 2014 4:41 PM
Author: hyperactive area black woman



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



Reply Favorite

Date: July 9th, 2017 11:26 AM
Author: Brindle market

jfc why does she write shit like this

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



Reply Favorite

Date: September 29th, 2016 2:14 PM
Author: white jew psychic

This is true for everything ever.

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



Reply Favorite

Date: February 7th, 2014 3:25 PM
Author: bonkers field

why doesnt the roth I started at 20 and stopped contributing to at 27 have $90K in it?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24973900)



Reply Favorite

Date: February 7th, 2014 3:30 PM
Author: glittery theatre

U r 36? LOLOL

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



Reply Favorite

Date: February 7th, 2014 3:31 PM
Author: bonkers field

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

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



Reply Favorite

Date: February 7th, 2014 3:36 PM
Author: glittery theatre

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

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



Reply Favorite

Date: February 7th, 2014 3:39 PM
Author: bonkers field

it sucks but I have stayed in shape and fucked enough women where I wont have any regrets on that end at least.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24973988)



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: glittery theatre

Goal retirement age??

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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: bonkers field

depends if I have kids and the house. Then probably 62-65.

If not then I might yolo and move to the philipines or some shit at 50 with a couple of million.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24974009)



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: glittery theatre

Any family pressure to get married??

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



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: bonkers field

nah but I love my gf. I would probably marry her kids or not.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24974030)



Reply Favorite

Date: April 13th, 2026 2:00 PM
Author: may his bones be crushed

I'm 56 now

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#49814674)



Reply Favorite

Date: February 7th, 2014 3:32 PM
Author: metal razzmatazz resort french chef

(39-year-old, MAF troll)

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



Reply Favorite

Date: February 7th, 2014 3:38 PM
Author: floppy mildly autistic cuckold lay

I didn't start saving til I got a job at 24. Should I killself?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24973984)



Reply Favorite

Date: February 7th, 2014 3:39 PM
Author: hyperactive area black woman



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: glittery theatre

Doctors are done here

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



Reply Favorite

Date: February 13th, 2015 5:32 PM
Author: Jet-lagged Quadroon Sneaky Criminal



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: coiffed site fortuitous meteor



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: Trip godawful native famous landscape painting



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: bonkers field

And this is why I want to strangle the shrews I have dated.

At least my gf has a 401K that she contributes up to the match limit.

But she is 29 years old and this is her first year of contributing to a roth.

WOmen are fucking children.

"But I make 1/4 of what you do" she clucks.

"Except when I was 22 making $38,000 I still maxed out my roth," I lisp back.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24974025)



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: glittery theatre

What were u doing at 22?

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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: bonkers field

crappy consulting firm do municipal bond analysis.

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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: startling exciting library

you should've gone into finance, instead. you'd have a millie by now.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24974087)



Reply Favorite

Date: February 7th, 2014 3:59 PM
Author: bonkers field

I was too lazy in college, but yeah would have been a good idea.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24974092)



Reply Favorite

Date: February 8th, 2014 10:36 AM
Author: pungent pistol jewess

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

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



Reply Favorite

Date: April 18th, 2016 9:49 AM
Author: Jet trailer park

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

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



Reply Favorite

Date: February 7th, 2014 3:48 PM
Author: rose 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=2#24974041)



Reply Favorite

Date: February 7th, 2014 3:50 PM
Author: hyperactive area black woman



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



Reply Favorite

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

yes arthur is fucked, ben pwns him

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



Reply Favorite

Date: February 7th, 2014 3:51 PM
Author: Misunderstood Vivacious Range

Twist: Arthur was swimming in student loan debt

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



Reply Favorite

Date: February 13th, 2015 5:46 PM
Author: buff multi-billionaire



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



Reply Favorite

Date: February 7th, 2014 4:01 PM
Author: Supple love of her life

These assumptions that ignore inflation and assume 10%+ real returns are asinine. The S&P returned something like 5% real over the last century.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24974098)



Reply Favorite

Date: February 8th, 2014 8:23 PM
Author: thriller ungodly stage



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



Reply Favorite

Date: February 7th, 2014 4:08 PM
Author: Out-of-control flesh public bath

*Is guy 1*

*Invests from 2001-2008*

*Is PWND*

*Is guy 2*

*Begins investing in 2008*

*PROFITS*

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



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: Supple love of her life

True, the idea that investing early is a good idea sure didn't apply to anybody who started investing 15 years ago. Would've been better off spending the money / having fun.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24974151)



Reply Favorite

Date: September 29th, 2016 1:14 PM
Author: medicated pearly messiness

Why not, the market corrected in the next 10 years. Its only a losing bet if you need to retire during one of the down turns.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#31521424)



Reply Favorite

Date: July 8th, 2017 10:02 AM
Author: medicated pearly messiness

this is what idiots don't realize. crashes don't matter except for old people. and by the time you're old, you should be easing out of the market.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#33727706)



Reply Favorite

Date: July 9th, 2017 10:45 AM
Author: slap-happy spot potus

Right. The person who started investing earlier is still in a better position than the person who spent it all.

I started investing seriously in 2006 or so, and sure, I got hammered in the couple of years following that. But after the crash I still had something (didn't sell) and it's since recovered. That portion of my savings wouldn't exist if I hadn't saved it early.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#33734072)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: big jap

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

Dude waiting until 27 probably was in grad school or something

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



Reply Favorite

Date: February 8th, 2014 8:23 PM
Author: thriller ungodly stage

that's more realistic even if he wasn't in grad school, because of inflation.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24980361)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: onyx church building juggernaut

Just do graduate in 2006 and invest at the peak of the stock market.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24974148)



Reply Favorite

Date: February 7th, 2014 4:11 PM
Author: frisky fluffy therapy

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

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



Reply Favorite

Date: February 7th, 2014 4:15 PM
Author: bonkers field

Why the fuck does my roth IRA only have $35,000 in it? I maxed out from 22-27.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24974195)



Reply Favorite

Date: February 7th, 2014 4:38 PM
Author: Supple love of her life

I feel your pain. I've got like $41K. At least I can backdoor so it'll be $47K soon.

The real way I could see myself getting a big Roth IRA would be to get axed from law, and then start converting $30K or so a year from my 401k during a number of years with little to no income.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24974306)



Reply Favorite

Date: February 7th, 2014 4:58 PM
Author: adventurous lime cruise ship

(cgm)

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



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: slippery charismatic mad-dog skullcap

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

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



Reply Favorite

Date: February 8th, 2014 10:51 AM
Author: Dashing smoky laser beams center

this is true.. i put away $1k in 1990, it's now worth $800k

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24977600)



Reply Favorite

Date: February 17th, 2014 11:13 AM
Author: hyperactive area black woman



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: Concupiscible Menage Dingle Berry

not really.

my parents had very little just 20 years ago and now have a $3-4 million net worth. just make sure you get on a career path that is pretty lucrative and you'll be fine even if you don't save a penny until the age of 35-40.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24977623)



Reply Favorite

Date: February 10th, 2014 2:32 PM
Author: hyperactive area black woman



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: Razzle twinkling uncleanness masturbator



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: Passionate self-centered ape coffee pot

So your telling me that if I make a lot of money ill do well financially? Why aren't you charging for this insight?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#26902507)



Reply Favorite

Date: May 14th, 2014 9:23 AM
Author: hyperactive area black woman



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: hyperactive area black woman



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: submissive vigorous lodge hunting ground

The 19 bro isn't doubling the 27 year old bro or anything. You can still beat the average early starter by just putting way more money in. Most people who start investing at 19 only have chump change to put in.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#26902483)



Reply Favorite

Date: December 10th, 2014 5:10 PM
Author: hyperactive area black woman



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: hyperactive area black woman



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: Bateful bat-shit-crazy volcanic crater azn

this is retarded. for most of us, that would have meant socking away money into the stock market during the mid- to late-2000s. the gain from the time period to now has only been like 2% per year on average

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#27309317)



Reply Favorite

Date: February 13th, 2015 5:35 PM
Author: Jet-lagged Quadroon Sneaky Criminal

damn u r old. i started making money in 09. wish i saved a lot more. would have been rolling in it

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#27309326)



Reply Favorite

Date: February 13th, 2015 5:36 PM
Author: hyperactive area black woman



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: Bateful bat-shit-crazy volcanic crater azn

we're in a bubble right now, so all of those figures are bullshit

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#27309354)



Reply Favorite

Date: February 13th, 2015 5:50 PM
Author: hyperactive area black woman



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: bonkers field

A year later after bitching in this thread, I have fucking $37,500 in the Roth IRA I started when I was 21. Bullshit magical 12% compounding.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#27309399)



Reply Favorite

Date: February 13th, 2015 5:52 PM
Author: hyperactive area black woman



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



Reply Favorite

Date: February 13th, 2015 5:53 PM
Author: Comical shitlib

What has your APR been?

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



Reply Favorite

Date: February 13th, 2015 6:18 PM
Author: insecure self-absorbed karate casino

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

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



Reply Favorite

Date: December 29th, 2015 1:41 PM
Author: hyperactive area black woman



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



Reply Favorite

Date: April 18th, 2016 7:18 AM
Author: hyperactive area black woman



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



Reply Favorite

Date: April 18th, 2016 7:47 AM
Author: dull death wish

I remember a teacher showing us this kind of chart back around 1996 and I just ignored it.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#30296076)



Reply Favorite

Date: April 18th, 2016 8:17 AM
Author: Apoplectic Arousing Queen Of The Night Giraffe

wise move

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



Reply Favorite

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

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

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



Reply Favorite

Date: April 18th, 2016 7:49 AM
Author: sienna national

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

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



Reply Favorite

Date: April 18th, 2016 9:40 AM
Author: hyperactive area black woman



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



Reply Favorite

Date: April 18th, 2016 7:50 AM
Author: Concupiscible Menage Dingle Berry

This is false and assumes one continues working a cookie-cutter job with 3% annual pay-raise their entire working life.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#30296082)



Reply Favorite

Date: April 18th, 2016 8:51 AM
Author: Stirring insanely creepy theater stage

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

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



Reply Favorite

Date: April 18th, 2016 8:57 AM
Author: ultramarine kitty

This bort is retarded.

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



Reply Favorite

Date: April 18th, 2016 9:04 AM
Author: opaque hospital cuck

Chart assumes consistently abnormal YOY returns, as pointed out ad nauseum above

There's a reason this "phenomenon" is common knowledge and yet remarkably few people seem to benefit from it to the extent promised.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#30296237)



Reply Favorite

Date: April 18th, 2016 9:41 AM
Author: hyperactive area black woman



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



Reply Favorite

Date: April 18th, 2016 10:04 AM
Author: opaque hospital cuck

you pointed it out above several times, and each time you got subsequently pwned in short order

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#30296421)



Reply Favorite

Date: April 18th, 2016 9:20 AM
Author: startled olive antidepressant drug gas station

http://imgur.com/gnMx2MX

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

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



Reply Favorite

Date: April 18th, 2016 9:20 AM
Author: azure histrionic plaza filthpig

The real reason this chart is dumb is because of inflation. You're comparing 2,000 dollars someone put in at 19 to 2,000 someone out in 46 years later and acting like it's the same thing

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#30296293)



Reply Favorite

Date: April 18th, 2016 9:45 AM
Author: hyperactive area black woman



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



Reply Favorite

Date: April 18th, 2016 9:50 AM
Author: azure histrionic plaza filthpig

You can't say 16,000 vs 80,000 lolz and not see how that's a stupid comparison

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#30296396)



Reply Favorite

Date: April 18th, 2016 10:02 AM
Author: hyperactive area black woman



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



Reply Favorite

Date: July 8th, 2017 11:01 AM
Author: Mischievous hominid

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

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



Reply Favorite

Date: September 15th, 2023 11:41 AM
Author: Slimy Step-uncle's House

*assumes 3% inflation*

*fade in cannibal holocaust theme*

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



Reply Favorite

Date: April 18th, 2016 9:24 AM
Author: erotic burgundy property

Yea 10 percent is retarded, but the gist of the argument is right. Early investments have a bigger bang for their buck when it's said and done. Invest as much as you can, as early as you can, in a low cost index. Profit (when you are old as fuck).

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#30296303)



Reply Favorite

Date: February 20th, 2017 3:10 AM
Author: Exhilarant candlestick maker stag film

no shit but we;'re going to see HISTORICALLY low returns from this pt out, we ARE SO FUCKITY FUCKED

401K = SCAMs

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#32659870)



Reply Favorite

Date: February 20th, 2017 7:57 AM
Author: erotic burgundy property

I agree generally that returns will be lower. But if you asked me in 08 if we were fucked I'd say yes - and the market has gone crazy since then. I thought trump would lead to a market correction, and yet we have the trump rally.

Don't be a boomer, save your money.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#32660046)



Reply Favorite

Date: April 18th, 2016 9:57 AM
Author: Geriatric abnormal school

saving for retirement is flame. just slide and let do

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



Reply Favorite

Date: April 18th, 2016 10:04 AM
Author: opaque hospital cuck

cr

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



Reply Favorite

Date: September 29th, 2016 10:24 AM
Author: Trip godawful native famous landscape painting

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

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



Reply Favorite

Date: September 29th, 2016 10:03 AM
Author: hyperactive area black woman



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



Reply Favorite

Date: September 29th, 2016 1:21 PM
Author: marvelous garrison

How do they get 10% retune every year

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



Reply Favorite

Date: September 29th, 2016 2:04 PM
Author: plum base feces

noob investor question, but isn't this idea kind of self perpetuating?

Everyone believes in investing in the S&P 500 via mutual funds and index funds -> the market consistently goes up over time because people are always buying (direct deposit into 401k) -> everyone believe in investing in the market.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#31521755)



Reply Favorite

Date: September 29th, 2016 2:12 PM
Author: submissive vigorous lodge hunting ground

Student loan interest exceeds most investment returns so that should be priority #1 if you have it.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#31521840)



Reply Favorite

Date: September 29th, 2016 4:48 PM
Author: plum base feces



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



Reply Favorite

Date: February 20th, 2017 8:11 AM
Author: Elite territorial son of senegal

lol at dorks ITT bobbing and weaving desperately not wanting this to be true. The annual return in the example may be at the high end of the range but the overall argument is cr.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#32660068)



Reply Favorite

Date: July 8th, 2017 9:32 AM
Author: Elite territorial son of senegal



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



Reply Favorite

Date: July 8th, 2017 9:40 AM
Author: Mewling locus

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

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



Reply Favorite

Date: July 8th, 2017 9:46 AM
Author: 180 fighting reading party senate

COMPOUND INT--*nuke melts face*

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



Reply Favorite

Date: July 8th, 2017 9:50 AM
Author: aphrodisiac talking university

Lol at everyone wagecucking there lives away for GC to save money they can't touch for 30-40 years and repeating the advice like brainwashed apes

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#33727671)



Reply Favorite

Date: July 8th, 2017 9:52 AM
Author: 180 fighting reading party senate

I find my rent seeking behavior is paying off better. Just a few homes and I'm making 4K extra every month with rarely having to lift a finger.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#33727675)



Reply Favorite

Date: July 8th, 2017 9:54 AM
Author: aphrodisiac talking university

20k liquid and 10k+ per month in passive income >>>>>>>>>>>>>>>> GC cucking the best years of your life to build a fraudlies "tax deferred" portfolio and get gaped on taxes at retirement

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#33727681)



Reply Favorite

Date: July 8th, 2017 10:16 AM
Author: Poppy Stead Knife

(Not a rental property owner)

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



Reply Favorite

Date: July 9th, 2017 11:14 AM
Author: slap-happy spot potus

Future is impossible to predict. Best call is to diversify.

I fully fund the Roth IRA each year (future tax advantage), fund the 401k enough to capture the match and then some (current tax advantage) and also have a few rental houses which cash flow decently now and will be paid off by retirement (inflation hedge plus tax advantage for the next couple of decades).

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#33734178)



Reply Favorite

Date: July 8th, 2017 10:05 AM
Author: Elite territorial son of senegal

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

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



Reply Favorite

Date: July 8th, 2017 10:06 AM
Author: aphrodisiac talking university

Naw man my 30s have been 180 billion. Still young and free but fuckloads of money instead of broke

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#33727719)



Reply Favorite

Date: July 8th, 2017 12:06 PM
Author: rough-skinned awkward factory reset button

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

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



Reply Favorite

Date: July 8th, 2017 12:13 PM
Author: unhinged toilet seat

imagine if you lived at home and worked at a 40k a year job from 19-25 or 26. invested it all. then went to college. you'd have it made. no one tells you this

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#33728056)



Reply Favorite

Date: July 8th, 2017 12:28 PM
Author: Trip godawful native famous landscape painting



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



Reply Favorite

Date: July 8th, 2017 12:30 PM
Author: rough-skinned awkward factory reset button

lol, what $40K per year job do you think a 19 year old with a high school diploma can get?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#33728113)



Reply Favorite

Date: July 8th, 2017 12:32 PM
Author: Razzle twinkling uncleanness masturbator

data entry

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



Reply Favorite

Date: July 8th, 2017 12:46 PM
Author: rough-skinned awkward factory reset button

link to $40K data entry job that a 19 year old with a high school degree and no experience is qualified for?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#33728151)



Reply Favorite

Date: July 8th, 2017 1:03 PM
Author: Razzle twinkling uncleanness masturbator

I made about 30k as a bus boy when i was 16 working part time. 40k fulltime gig would be easy to swing.. even if through 2 part time jobs at restaurants etc

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#33728219)



Reply Favorite

Date: July 8th, 2017 1:04 PM
Author: Trip godawful native famous landscape painting

CR

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



Reply Favorite

Date: July 8th, 2017 12:32 PM
Author: Trip godawful native famous landscape painting

Admin assistant

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



Reply Favorite

Date: July 8th, 2017 12:45 PM
Author: rough-skinned awkward factory reset button

lol what? first, no one is going to hire a no-experience 19 year old admin assistant when there are 10 and 20 year veterans applying for the same job. second, those jobs pay like $26K.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#33728148)



Reply Favorite

Date: July 8th, 2017 12:57 PM
Author: Trip godawful native famous landscape painting

According to the chart all you need to invest is like 2k a year and you're pretty much set for retirement...just get ANY fucking job until age 26

go be a front desk person/work as receptionist

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#33728193)



Reply Favorite

Date: July 8th, 2017 1:26 PM
Author: Pontificating rehab headpube

cr chart is totally what happens IRL just stuff away 10k in stock at 18 = million$$$

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#33728308)



Reply Favorite

Date: July 9th, 2017 11:10 AM
Author: buff multi-billionaire

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

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



Reply Favorite

Date: July 8th, 2017 12:45 PM
Author: snowy theater

I think a much more sure bet is Social Security taxes being raised to shore up the program, so I'll just YOLO out and rely on that.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#33728150)



Reply Favorite

Date: July 8th, 2017 1:27 PM
Author: Pontificating rehab headpube

My 3k in savings from govt job at 23 is now worth 5k. Holy fuck I'm gonna be rich!!!!!

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#33728311)



Reply Favorite

Date: July 9th, 2017 11:21 AM
Author: Dashing smoky laser beams center

Investment compounding is the single biggest scam the investment/retirement community uses to grab your money.

The Future value investment analysis assumes a guaranteed return with zero draw-down. The overall markets (S%P), and less than 1% of stocks follow the interest rate return curve.

The market curve more closely follows the short-memory timespan which is roughty 10 years for each new generation (87, 00, 09, ...next?)



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#33734215)



Reply Favorite

Date: August 22nd, 2017 7:26 PM
Author: disrespectful set



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



Reply Favorite

Date: August 23rd, 2017 11:19 AM
Author: Canary aromatic party of the first part police squad

Just use a 20% return the first 8 years and use 1% return the next 50 years bro.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#34051890)



Reply Favorite

Date: September 15th, 2023 11:28 AM
Author: hyperactive area black woman



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



Reply Favorite

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

how’d we all do?

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



Reply Favorite

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

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

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



Reply Favorite

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



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