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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...
canary son of senegal coldplay fan
  02/07/14
(Dave Ramsey)
submissive antidepressant drug
  12/10/14
Germany bull
Nighttime market
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
Jet messiness temple
  02/07/14
...
Translucent odious gunner forum
  02/08/14
yep
Exhilarant brindle indirect expression
  02/07/14
what is the apr on this
poppy reading party preventive strike
  02/07/14
12% lol.
purple dashing weed whacker idiot
  02/07/14
fucking boomers
kink-friendly seedy orchestra pit
  02/07/14
...
may his bones be crushed
  04/13/26
...
canary son of senegal coldplay fan
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
amber cracking therapy
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
Carnelian hideous locus old irish cottage
  02/07/14
180
amber cracking therapy
  02/07/14
...
Embarrassed to the bone disrespectful stock car ratface
  02/08/14
...
sapphire titillating immigrant
  02/13/15
...
dark garrison private investor
  04/18/16
...
amber cracking therapy
  02/20/17
...
Aphrodisiac Fluffy Factory Reset Button Home
  02/20/17
...
dark garrison private investor
  07/08/17
...
canary son of senegal coldplay fan
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
amber cracking therapy
  02/07/14
...
canary son of senegal coldplay fan
  02/07/14
(guy who recently watched The Secret)
amber cracking therapy
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
amber cracking therapy
  02/07/14
(Boomer in 2006 buying third investment property)
amber cracking therapy
  02/07/14
this will not occur over the next 40 years
passionate love of her life
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
Wine racy office double fault
  02/07/14
...
canary son of senegal coldplay fan
  02/07/14
Compare the demographics, foreign competition, and regulator...
passionate love of her life
  12/10/14
...
passionate love of her life
  04/18/16
A true genius
passionate love of her life
  09/29/16
...
Mind-boggling den
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
passionate love of her life
  04/18/16
Just do assume 12% returns for 45 years
alcoholic comical pozpig theater
  02/07/14
...
canary son of senegal coldplay fan
  02/07/14
CR incredibly retarded
passionate love of her life
  02/07/14
It doesn't change regardless of rate.
Wine racy office double fault
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
passionate love of her life
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
Soggy slate national
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
cyan pit
  02/07/14
...
canary son of senegal coldplay fan
  02/07/14
this will not be the case for the next 50 years
passionate love of her life
  02/07/14
(Suze Orman after a few too many glasses of wine)
Lascivious Know-it-all Clown Legend
  02/07/14
lol'd
Excitant Skinny Woman Station
  04/18/16
haha
haunting stimulating site
  09/29/16
...
amber cracking therapy
  02/20/17
...
Wine racy office double fault
  02/20/17
...
disturbing irradiated heaven yarmulke
  02/20/17
...
Histrionic Trump Supporter
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
Pontificating jewess
  02/07/14
...
canary son of senegal coldplay fan
  02/07/14
Not if returns were negative when/in the years immediately f...
Pontificating jewess
  02/07/14
...
canary son of senegal coldplay fan
  02/07/14
? All the hypo supposes is that you start investing in yo...
Pontificating jewess
  02/07/14
...
canary son of senegal coldplay fan
  02/07/14
YOUR personal rate of return is different from the market's ...
Pontificating jewess
  02/07/14
...
canary son of senegal coldplay fan
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
Pontificating jewess
  02/07/14
...
canary son of senegal coldplay fan
  02/07/14
you realize that to obtain the returns you stated above, one...
Carnelian hideous locus old irish cottage
  02/07/14
...
canary son of senegal coldplay fan
  02/07/14
jfc why does she write shit like this
talented vermilion brunch cuckold
  07/09/17
This is true for everything ever.
Blathering whorehouse
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
purple dashing weed whacker idiot
  02/07/14
U r 36? LOLOL
Jet messiness temple
  02/07/14
34 but I put more money than $2000 per year in there.
purple dashing weed whacker idiot
  02/07/14
Damen. How does it feel to be literally half done with life?
Jet messiness temple
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
purple dashing weed whacker idiot
  02/07/14
Goal retirement age??
Jet messiness temple
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
purple dashing weed whacker idiot
  02/07/14
Any family pressure to get married??
Jet messiness temple
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
purple dashing weed whacker idiot
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
black 180 stead mother
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
charismatic library
  02/07/14
...
canary son of senegal coldplay fan
  02/07/14
Doctors are done here
Jet messiness temple
  02/07/14
...
cream school striped hyena
  02/13/15
...
heady wagecucks
  02/20/17
...
French Boiling Water
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
purple dashing weed whacker idiot
  02/07/14
What were u doing at 22?
Jet messiness temple
  02/07/14
crappy consulting firm do municipal bond analysis.
purple dashing weed whacker idiot
  02/07/14
you should've gone into finance, instead. you'd have a milli...
Pontificating jewess
  02/07/14
I was too lazy in college, but yeah would have been a good i...
purple dashing weed whacker idiot
  02/07/14
$38k was a decent starting salary in 1995...?
bateful dilemma giraffe
  02/08/14
my gf doesn't even have a credit card. she's 24
irate pearl kitty
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
olive high-end quadroon chapel
  02/07/14
...
canary son of senegal coldplay fan
  02/07/14
yes arthur is fucked, ben pwns him
olive high-end quadroon chapel
  02/07/14
Twist: Arthur was swimming in student loan debt
amber cracking therapy
  02/07/14
...
Soul-stirring field
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
Contagious Crotch Jew
  02/07/14
...
aromatic turquoise kitty cat shrine
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
bipolar vibrant stain water buffalo
  02/07/14
True, the idea that investing early is a good idea sure didn...
Contagious Crotch Jew
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
Plum Stag Film Mad Cow Disease
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
Plum Stag Film Mad Cow Disease
  07/08/17
Right. The person who started investing earlier is still in ...
Transparent buck-toothed dysfunction cuckoldry
  07/09/17
I think the more interesting hypo is a guy who starts invest...
Burgundy learning disabled persian degenerate
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
aromatic turquoise kitty cat shrine
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
iridescent abusive address
  02/07/14
I still think it's more credited to maintain liquidity and i...
Chrome spot fat ankles
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
purple dashing weed whacker idiot
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
Contagious Crotch Jew
  02/07/14
(cgm)
twisted bright mediation
  02/07/14
What does this look like if you assume 6% returns?
garnet rough-skinned personal credit line rehab
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
Henna ceo public bath
  02/08/14
...
canary son of senegal coldplay fan
  02/17/14
not really. my parents had very little just 20 years ago...
Puce psychic
  02/08/14
...
canary son of senegal coldplay fan
  02/10/14
...
Fishy sanctuary voyeur
  07/08/17
So your telling me that if I make a lot of money ill do well...
Slap-happy sticky abode
  12/10/14
...
canary son of senegal coldplay fan
  05/14/14
...
canary son of senegal coldplay fan
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
Hyperactive native
  12/10/14
...
canary son of senegal coldplay fan
  12/10/14
...
canary son of senegal coldplay fan
  02/13/15
this is retarded. for most of us, that would have meant soc...
appetizing angry area dog poop
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
cream school striped hyena
  02/13/15
...
canary son of senegal coldplay fan
  02/13/15
we're in a bubble right now, so all of those figures are bul...
appetizing angry area dog poop
  02/13/15
...
canary son of senegal coldplay fan
  02/13/15
A year later after bitching in this thread, I have fucking $...
purple dashing weed whacker idiot
  02/13/15
...
canary son of senegal coldplay fan
  02/13/15
What has your APR been?
Magical Opaque Range National Security Agency
  02/13/15
how much money did you have in cash on the sidelines from th...
Rambunctious slippery center
  02/13/15
...
canary son of senegal coldplay fan
  12/29/15
...
canary son of senegal coldplay fan
  04/18/16
I remember a teacher showing us this kind of chart back arou...
sepia depressive internal respiration
  04/18/16
wise move
trip doobsian hospital
  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.
razzmatazz wild gaming laptop ticket booth
  04/18/16
...
canary son of senegal coldplay fan
  04/18/16
This is false and assumes one continues working a cookie-cut...
Puce psychic
  04/18/16
just do >10% growth every year. worked for bernie madoff
Beta Roommate Tanning Salon
  04/18/16
This bort is retarded.
Wine racy office double fault
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
spectacular locale
  04/18/16
...
canary son of senegal coldplay fan
  04/18/16
you pointed it out above several times, and each time you go...
spectacular locale
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
Frozen telephone legal warrant
  04/18/16
The real reason this chart is dumb is because of inflation. ...
gold location
  04/18/16
...
canary son of senegal coldplay fan
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
gold location
  04/18/16
...
canary son of senegal coldplay fan
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
Azure faggotry cuck
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
thriller ocher prole lay
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
Adulterous buff turdskin
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
shivering faggot firefighter corner
  02/20/17
I agree generally that returns will be lower. But if you ask...
Adulterous buff turdskin
  02/20/17
saving for retirement is flame. just slide and let do
Dead marvelous newt
  04/18/16
cr
spectacular locale
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
French Boiling Water
  09/29/16
...
canary son of senegal coldplay fan
  09/29/16
How do they get 10% retune every year
Bisexual Community Account
  09/29/16
noob investor question, but isn't this idea kind of self per...
Big university
  09/29/16
Student loan interest exceeds most investment returns so tha...
Hyperactive native
  09/29/16
...
Big university
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
Lake patrolman state
  02/20/17
...
Lake patrolman state
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
Misanthropic tan parlor
  07/08/17
COMPOUND INT--*nuke melts face*
beady-eyed scarlet nursing home
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
ruddy useless point ape
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
beady-eyed scarlet nursing home
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
ruddy useless point ape
  07/08/17
(Not a rental property owner)
passionate love of her life
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
Transparent buck-toothed dysfunction cuckoldry
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
Lake patrolman state
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
ruddy useless point ape
  07/08/17
now show me the table for $300K at 8% in student loans
hilarious sick friendly grandma
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
Talking mint bawdyhouse pervert
  07/08/17
...
French Boiling Water
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
hilarious sick friendly grandma
  07/08/17
data entry
Fishy sanctuary voyeur
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
hilarious sick friendly grandma
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
Fishy sanctuary voyeur
  07/08/17
CR
French Boiling Water
  07/08/17
Admin assistant
French Boiling Water
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
hilarious sick friendly grandma
  07/08/17
According to the chart all you need to invest is like 2k a y...
French Boiling Water
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
flushed at-the-ready becky
  07/08/17
things barzini knew and did that you did not for $200, alex
Soul-stirring field
  07/09/17
I think a much more sure bet is Social Security taxes being ...
maroon flickering stage foreskin
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
flushed at-the-ready becky
  07/08/17
Investment compounding is the single biggest scam the inve...
Henna ceo public bath
  07/09/17
...
Razzle-dazzle sooty mood institution
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
Histrionic Trump Supporter
  08/23/17
...
canary son of senegal coldplay fan
  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: canary son of senegal coldplay fan

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: submissive antidepressant drug

(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: Nighttime market
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: Jet messiness temple

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: Translucent odious gunner forum



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: Exhilarant brindle indirect expression

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: poppy reading party preventive strike

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: purple dashing weed whacker idiot

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: kink-friendly seedy orchestra pit

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: canary son of senegal coldplay fan



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: amber cracking therapy

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: Carnelian hideous locus old irish cottage

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

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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: amber cracking therapy

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: Embarrassed to the bone disrespectful stock car ratface



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: sapphire titillating immigrant



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: dark garrison private investor



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: amber cracking therapy



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: Aphrodisiac Fluffy Factory Reset Button Home



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: dark garrison private investor



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: canary son of senegal coldplay fan



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: amber cracking therapy

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: canary son of senegal coldplay fan



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: amber cracking therapy

(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: amber cracking therapy

(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: amber cracking therapy

(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: passionate love of her life

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: Wine racy office double fault

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: canary son of senegal coldplay fan



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: passionate love of her life

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: passionate love of her life



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: passionate love of her life

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: Mind-boggling den



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: passionate love of her life

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: alcoholic comical pozpig theater

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: canary son of senegal coldplay fan



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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: passionate love of her life

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: Wine racy office double fault

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: passionate love of her life

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: Soggy slate national

(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: cyan pit

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: canary son of senegal coldplay fan



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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: passionate love of her life

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: Lascivious Know-it-all Clown Legend

(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: Excitant Skinny Woman Station

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: haunting stimulating site

haha

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



Reply Favorite

Date: February 20th, 2017 1:49 AM
Author: amber cracking therapy



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



Reply Favorite

Date: February 20th, 2017 8:38 AM
Author: Wine racy office double fault



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: disturbing irradiated heaven yarmulke



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: Histrionic Trump Supporter



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Pontificating jewess

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: canary son of senegal coldplay fan



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Pontificating jewess

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: canary son of senegal coldplay fan



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: Pontificating jewess

?

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: canary son of senegal coldplay fan



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Pontificating jewess

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: canary son of senegal coldplay fan



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



Reply Favorite

Date: February 7th, 2014 4:13 PM
Author: Pontificating jewess

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: canary son of senegal coldplay fan



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



Reply Favorite

Date: February 7th, 2014 4:35 PM
Author: Carnelian hideous locus old irish cottage

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

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



Reply Favorite

Date: February 7th, 2014 4:41 PM
Author: canary son of senegal coldplay fan



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



Reply Favorite

Date: July 9th, 2017 11:26 AM
Author: talented vermilion brunch cuckold

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: Blathering whorehouse

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: purple dashing weed whacker idiot

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: Jet messiness temple

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: purple dashing weed whacker idiot

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: Jet messiness temple

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: purple dashing weed whacker idiot

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: Jet messiness temple

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: purple dashing weed whacker idiot

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: Jet messiness temple

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: purple dashing weed whacker idiot

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: black 180 stead mother

(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: charismatic library

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: canary son of senegal coldplay fan



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Jet messiness temple

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: cream school striped hyena



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: heady wagecucks



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: French Boiling Water



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: purple dashing weed whacker idiot

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: Jet messiness temple

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: purple dashing weed whacker idiot

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: Pontificating jewess

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: purple dashing weed whacker idiot

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: bateful dilemma giraffe

$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: irate pearl kitty

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: olive high-end quadroon chapel

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: canary son of senegal coldplay fan



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: olive high-end quadroon chapel

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: amber cracking therapy

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: Soul-stirring field



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



Reply Favorite

Date: February 7th, 2014 4:01 PM
Author: Contagious Crotch Jew

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: aromatic turquoise kitty cat shrine



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



Reply Favorite

Date: February 7th, 2014 4:08 PM
Author: bipolar vibrant stain water buffalo

*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: Contagious Crotch Jew

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: Plum Stag Film Mad Cow Disease

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: Plum Stag Film Mad Cow Disease

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: Transparent buck-toothed dysfunction cuckoldry

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: Burgundy learning disabled persian degenerate

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: aromatic turquoise kitty cat shrine

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: iridescent abusive address

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: Chrome spot fat ankles

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: purple dashing weed whacker idiot

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: Contagious Crotch Jew

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: twisted bright mediation

(cgm)

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



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: garnet rough-skinned personal credit line rehab

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: Henna ceo public bath

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: canary son of senegal coldplay fan



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: Puce psychic

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: canary son of senegal coldplay fan



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: Fishy sanctuary voyeur



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: Slap-happy sticky abode

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: canary son of senegal coldplay fan



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: canary son of senegal coldplay fan



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: Hyperactive native

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: canary son of senegal coldplay fan



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: canary son of senegal coldplay fan



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: appetizing angry area dog poop

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: cream school striped hyena

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

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



Reply Favorite

Date: February 13th, 2015 5:36 PM
Author: canary son of senegal coldplay fan



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: appetizing angry area dog poop

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: canary son of senegal coldplay fan



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: purple dashing weed whacker idiot

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: canary son of senegal coldplay fan



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



Reply Favorite

Date: February 13th, 2015 5:53 PM
Author: Magical Opaque Range National Security Agency

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: Rambunctious slippery center

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: canary son of senegal coldplay fan



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



Reply Favorite

Date: April 18th, 2016 7:18 AM
Author: canary son of senegal coldplay fan



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



Reply Favorite

Date: April 18th, 2016 7:47 AM
Author: sepia depressive internal respiration

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: trip doobsian hospital

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: razzmatazz wild gaming laptop ticket booth

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: canary son of senegal coldplay fan



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



Reply Favorite

Date: April 18th, 2016 7:50 AM
Author: Puce psychic

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: Beta Roommate Tanning Salon

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: Wine racy office double fault

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: spectacular locale

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: canary son of senegal coldplay fan



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



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Date: April 18th, 2016 10:04 AM
Author: spectacular locale

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: Frozen telephone legal warrant

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: gold location

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: canary son of senegal coldplay fan



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



Reply Favorite

Date: April 18th, 2016 9:50 AM
Author: gold location

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: canary son of senegal coldplay fan



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



Reply Favorite

Date: July 8th, 2017 11:01 AM
Author: Azure faggotry cuck

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: thriller ocher prole lay

*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: Adulterous buff turdskin

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: shivering faggot firefighter corner

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: Adulterous buff turdskin

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: Dead marvelous newt

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: spectacular locale

cr

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



Reply Favorite

Date: September 29th, 2016 10:24 AM
Author: French Boiling Water

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: canary son of senegal coldplay fan



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



Reply Favorite

Date: September 29th, 2016 1:21 PM
Author: Bisexual Community Account

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: Big university

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)



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Date: September 29th, 2016 2:12 PM
Author: Hyperactive native

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: Big university



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



Reply Favorite

Date: February 20th, 2017 8:11 AM
Author: Lake patrolman state

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: Lake patrolman state



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



Reply Favorite

Date: July 8th, 2017 9:40 AM
Author: Misanthropic tan parlor

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: beady-eyed scarlet nursing home

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: ruddy useless point ape

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: beady-eyed scarlet nursing home

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: ruddy useless point ape

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: passionate love of her life

(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: Transparent buck-toothed dysfunction cuckoldry

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: Lake patrolman state

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: ruddy useless point ape

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: hilarious sick friendly grandma

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: Talking mint bawdyhouse pervert

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: French Boiling Water



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



Reply Favorite

Date: July 8th, 2017 12:30 PM
Author: hilarious sick friendly grandma

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: Fishy sanctuary voyeur

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: hilarious sick friendly grandma

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: Fishy sanctuary voyeur

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: French Boiling Water

CR

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



Reply Favorite

Date: July 8th, 2017 12:32 PM
Author: French Boiling Water

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: hilarious sick friendly grandma

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: French Boiling Water

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: flushed at-the-ready becky

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: Soul-stirring field

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: maroon flickering stage foreskin

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: flushed at-the-ready becky

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: Henna ceo public bath

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: Razzle-dazzle sooty mood institution



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



Reply Favorite

Date: August 23rd, 2017 11:19 AM
Author: Histrionic Trump Supporter

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: canary son of senegal coldplay fan



(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)