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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...
adventurous brunch fanboi
  02/07/14
(Dave Ramsey)
Aggressive Well-lubricated Site Alpha
  12/10/14
Germany bull
smoky fantasy-prone jewess
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
Excitant copper haunted graveyard
  02/07/14
...
galvanic violet point headpube
  02/08/14
yep
wine theatre
  02/07/14
what is the apr on this
out-of-control voyeur
  02/07/14
12% lol.
Motley jet-lagged rehab
  02/07/14
fucking boomers
mauve alcoholic home background story
  02/07/14
...
may his bones be crushed
  04/13/26
...
adventurous brunch fanboi
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
Claret menage deer antler
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
Wonderful round eye
  02/07/14
180
Claret menage deer antler
  02/07/14
...
big toaster boiling water
  02/08/14
...
heady cordovan theater roommate
  02/13/15
...
Comical friendly grandma pocket flask
  04/18/16
...
Claret menage deer antler
  02/20/17
...
Electric bawdyhouse circlehead
  02/20/17
...
Comical friendly grandma pocket flask
  07/08/17
...
adventurous brunch fanboi
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
Claret menage deer antler
  02/07/14
...
adventurous brunch fanboi
  02/07/14
(guy who recently watched The Secret)
Claret menage deer antler
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
Claret menage deer antler
  02/07/14
(Boomer in 2006 buying third investment property)
Claret menage deer antler
  02/07/14
this will not occur over the next 40 years
Ivory market
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
Frozen red sweet tailpipe mad-dog skullcap
  02/07/14
...
adventurous brunch fanboi
  02/07/14
Compare the demographics, foreign competition, and regulator...
Ivory market
  12/10/14
...
Ivory market
  04/18/16
A true genius
Ivory market
  09/29/16
...
Cheese-eating Halford Piazza
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
Ivory market
  04/18/16
Just do assume 12% returns for 45 years
sticky windowlicker den
  02/07/14
...
adventurous brunch fanboi
  02/07/14
CR incredibly retarded
Ivory market
  02/07/14
It doesn't change regardless of rate.
Frozen red sweet tailpipe mad-dog skullcap
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
Ivory market
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
bull headed brass senate
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
emerald supple volcanic crater
  02/07/14
...
adventurous brunch fanboi
  02/07/14
this will not be the case for the next 50 years
Ivory market
  02/07/14
(Suze Orman after a few too many glasses of wine)
contagious coiffed hairy legs black woman
  02/07/14
lol'd
gay hairraiser macaca
  04/18/16
haha
Splenetic Hell
  09/29/16
...
Claret menage deer antler
  02/20/17
...
Frozen red sweet tailpipe mad-dog skullcap
  02/20/17
...
Razzle stead
  02/20/17
...
crawly arrogant pistol
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
Hideous Library Cuckoldry
  02/07/14
...
adventurous brunch fanboi
  02/07/14
Not if returns were negative when/in the years immediately f...
Hideous Library Cuckoldry
  02/07/14
...
adventurous brunch fanboi
  02/07/14
? All the hypo supposes is that you start investing in yo...
Hideous Library Cuckoldry
  02/07/14
...
adventurous brunch fanboi
  02/07/14
YOUR personal rate of return is different from the market's ...
Hideous Library Cuckoldry
  02/07/14
...
adventurous brunch fanboi
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
Hideous Library Cuckoldry
  02/07/14
...
adventurous brunch fanboi
  02/07/14
you realize that to obtain the returns you stated above, one...
Wonderful round eye
  02/07/14
...
adventurous brunch fanboi
  02/07/14
jfc why does she write shit like this
Trip tripping set quadroon
  07/09/17
This is true for everything ever.
Soul-stirring private investor
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
Motley jet-lagged rehab
  02/07/14
U r 36? LOLOL
Excitant copper haunted graveyard
  02/07/14
34 but I put more money than $2000 per year in there.
Motley jet-lagged rehab
  02/07/14
Damen. How does it feel to be literally half done with life?
Excitant copper haunted graveyard
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
Motley jet-lagged rehab
  02/07/14
Goal retirement age??
Excitant copper haunted graveyard
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
Motley jet-lagged rehab
  02/07/14
Any family pressure to get married??
Excitant copper haunted graveyard
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
Motley jet-lagged rehab
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
Glassy razzle-dazzle fat ankles
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
180 Mischievous Electric Furnace
  02/07/14
...
adventurous brunch fanboi
  02/07/14
Doctors are done here
Excitant copper haunted graveyard
  02/07/14
...
nofapping marvelous range
  02/13/15
...
Racy Chocolate Tank
  02/20/17
...
crusty cuck old irish cottage
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
Motley jet-lagged rehab
  02/07/14
What were u doing at 22?
Excitant copper haunted graveyard
  02/07/14
crappy consulting firm do municipal bond analysis.
Motley jet-lagged rehab
  02/07/14
you should've gone into finance, instead. you'd have a milli...
Hideous Library Cuckoldry
  02/07/14
I was too lazy in college, but yeah would have been a good i...
Motley jet-lagged rehab
  02/07/14
$38k was a decent starting salary in 1995...?
Burgundy violent degenerate
  02/08/14
my gf doesn't even have a credit card. she's 24
flushed aromatic becky sex offender
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
Sick area liquid oxygen
  02/07/14
...
adventurous brunch fanboi
  02/07/14
yes arthur is fucked, ben pwns him
Sick area liquid oxygen
  02/07/14
Twist: Arthur was swimming in student loan debt
Claret menage deer antler
  02/07/14
...
nubile orchestra pit bbw
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
cocky curious space
  02/07/14
...
carnelian mind-boggling lodge
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
Titillating multi-billionaire
  02/07/14
True, the idea that investing early is a good idea sure didn...
cocky curious space
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
Floppy Meetinghouse
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
Floppy Meetinghouse
  07/08/17
Right. The person who started investing earlier is still in ...
coral associate
  07/09/17
I think the more interesting hypo is a guy who starts invest...
Razzmatazz henna state
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
carnelian mind-boggling lodge
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
vivacious plaza
  02/07/14
I still think it's more credited to maintain liquidity and i...
Charismatic locus corn cake
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
Motley jet-lagged rehab
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
cocky curious space
  02/07/14
(cgm)
Bistre Fear-inspiring Garrison
  02/07/14
What does this look like if you assume 6% returns?
dark hateful shrine
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
Multi-colored Dingle Berry Persian
  02/08/14
...
adventurous brunch fanboi
  02/17/14
not really. my parents had very little just 20 years ago...
Carmine parlor puppy
  02/08/14
...
adventurous brunch fanboi
  02/10/14
...
stirring nowag
  07/08/17
So your telling me that if I make a lot of money ill do well...
Fighting yarmulke
  12/10/14
...
adventurous brunch fanboi
  05/14/14
...
adventurous brunch fanboi
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
Boyish misanthropic laser beams church building
  12/10/14
...
adventurous brunch fanboi
  12/10/14
...
adventurous brunch fanboi
  02/13/15
this is retarded. for most of us, that would have meant soc...
exhilarant really tough guy
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
nofapping marvelous range
  02/13/15
...
adventurous brunch fanboi
  02/13/15
we're in a bubble right now, so all of those figures are bul...
exhilarant really tough guy
  02/13/15
...
adventurous brunch fanboi
  02/13/15
A year later after bitching in this thread, I have fucking $...
Motley jet-lagged rehab
  02/13/15
...
adventurous brunch fanboi
  02/13/15
What has your APR been?
naked spot roast beef
  02/13/15
how much money did you have in cash on the sidelines from th...
chest-beating boltzmann institution
  02/13/15
...
adventurous brunch fanboi
  12/29/15
...
adventurous brunch fanboi
  04/18/16
I remember a teacher showing us this kind of chart back arou...
fragrant stage
  04/18/16
wise move
Cerebral Frum Gaming Laptop Ladyboy
  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.
Black sinister karate ape
  04/18/16
...
adventurous brunch fanboi
  04/18/16
This is false and assumes one continues working a cookie-cut...
Carmine parlor puppy
  04/18/16
just do >10% growth every year. worked for bernie madoff
Outnumbered partner
  04/18/16
This bort is retarded.
Frozen red sweet tailpipe mad-dog skullcap
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
Light thriller native
  04/18/16
...
adventurous brunch fanboi
  04/18/16
you pointed it out above several times, and each time you go...
Light thriller native
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
Citrine unhinged gaping temple
  04/18/16
The real reason this chart is dumb is because of inflation. ...
Brilliant provocative base mother
  04/18/16
...
adventurous brunch fanboi
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
Brilliant provocative base mother
  04/18/16
...
adventurous brunch fanboi
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
hilarious topaz faggot firefighter
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
Bearded Brindle Field Antidepressant Drug
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
wild irradiated scourge upon the earth mexican
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
elite nibblets forum
  02/20/17
I agree generally that returns will be lower. But if you ask...
wild irradiated scourge upon the earth mexican
  02/20/17
saving for retirement is flame. just slide and let do
exciting crimson goyim
  04/18/16
cr
Light thriller native
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
crusty cuck old irish cottage
  09/29/16
...
adventurous brunch fanboi
  09/29/16
How do they get 10% retune every year
Silver abode depressive
  09/29/16
noob investor question, but isn't this idea kind of self per...
histrionic ebony philosopher-king
  09/29/16
Student loan interest exceeds most investment returns so tha...
Boyish misanthropic laser beams church building
  09/29/16
...
histrionic ebony philosopher-king
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
Olive very tactful school cafeteria brethren
  02/20/17
...
Olive very tactful school cafeteria brethren
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
Opaque kitchen national security agency
  07/08/17
COMPOUND INT--*nuke melts face*
concupiscible chapel
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
slippery green sneaky criminal pervert
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
concupiscible chapel
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
slippery green sneaky criminal pervert
  07/08/17
(Not a rental property owner)
Ivory market
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
coral associate
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
Olive very tactful school cafeteria brethren
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
slippery green sneaky criminal pervert
  07/08/17
now show me the table for $300K at 8% in student loans
odious hall
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
passionate business firm psychic
  07/08/17
...
crusty cuck old irish cottage
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
odious hall
  07/08/17
data entry
stirring nowag
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
odious hall
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
stirring nowag
  07/08/17
CR
crusty cuck old irish cottage
  07/08/17
Admin assistant
crusty cuck old irish cottage
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
odious hall
  07/08/17
According to the chart all you need to invest is like 2k a y...
crusty cuck old irish cottage
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
Spectacular snowy office
  07/08/17
things barzini knew and did that you did not for $200, alex
nubile orchestra pit bbw
  07/09/17
I think a much more sure bet is Social Security taxes being ...
Orchid Effete Jew Church
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
Spectacular snowy office
  07/08/17
Investment compounding is the single biggest scam the inve...
Multi-colored Dingle Berry Persian
  07/09/17
...
Chartreuse massive dilemma french chef
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
crawly arrogant pistol
  08/23/17
...
adventurous brunch fanboi
  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: adventurous brunch fanboi

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: Aggressive Well-lubricated Site Alpha

(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: smoky fantasy-prone jewess
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: Excitant copper haunted graveyard

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: galvanic violet point headpube



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



Reply Favorite

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

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: out-of-control voyeur

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: Motley jet-lagged rehab

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: mauve alcoholic home background story

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: adventurous brunch fanboi



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Claret menage deer antler

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: Wonderful round eye

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: Claret menage deer antler

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: big toaster boiling water



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: heady cordovan theater roommate



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: Comical friendly grandma pocket flask



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: Claret menage deer antler



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: Electric bawdyhouse circlehead



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: Comical friendly grandma pocket flask



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: adventurous brunch fanboi



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Claret menage deer antler

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: adventurous brunch fanboi



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Claret menage deer antler

(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: Claret menage deer antler

(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: Claret menage deer antler

(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: Ivory market

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: Frozen red sweet tailpipe mad-dog skullcap

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: adventurous brunch fanboi



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: Ivory market

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: Ivory market



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: Ivory market

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: Cheese-eating Halford Piazza



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: Ivory market

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: sticky windowlicker den

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: adventurous brunch fanboi



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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: Ivory market

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: Frozen red sweet tailpipe mad-dog skullcap

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: Ivory market

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: bull headed brass senate

(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: emerald supple volcanic crater

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: adventurous brunch fanboi



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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: Ivory market

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: contagious coiffed hairy legs black woman

(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: gay hairraiser macaca

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: Splenetic Hell

haha

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



Reply Favorite

Date: February 20th, 2017 1:49 AM
Author: Claret menage deer antler



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



Reply Favorite

Date: February 20th, 2017 8:38 AM
Author: Frozen red sweet tailpipe mad-dog skullcap



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: Razzle stead



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: crawly arrogant pistol



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



Reply Favorite

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

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: adventurous brunch fanboi



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



Reply Favorite

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

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: adventurous brunch fanboi



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



Reply Favorite

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

?

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: adventurous brunch fanboi



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



Reply Favorite

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

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: adventurous brunch fanboi



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



Reply Favorite

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

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: adventurous brunch fanboi



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



Reply Favorite

Date: February 7th, 2014 4:35 PM
Author: Wonderful round eye

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: adventurous brunch fanboi



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



Reply Favorite

Date: July 9th, 2017 11:26 AM
Author: Trip tripping set quadroon

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: Soul-stirring private investor

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: Motley jet-lagged rehab

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

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



Reply Favorite

Date: February 7th, 2014 3:30 PM
Author: Excitant copper haunted graveyard

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: Motley jet-lagged rehab

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: Excitant copper haunted graveyard

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: Motley jet-lagged rehab

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

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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: Excitant copper haunted graveyard

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: Motley jet-lagged rehab

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

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

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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: Excitant copper haunted graveyard

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: Motley jet-lagged rehab

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

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=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: Glassy razzle-dazzle fat ankles

(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: 180 Mischievous Electric Furnace

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: adventurous brunch fanboi



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Excitant copper haunted graveyard

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: nofapping marvelous range



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: Racy Chocolate Tank



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: crusty cuck old irish cottage



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: Motley jet-lagged rehab

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

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

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

WOmen are fucking children.

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

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

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



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: Excitant copper haunted graveyard

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: Motley jet-lagged rehab

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: Hideous Library Cuckoldry

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: Motley jet-lagged rehab

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

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



Reply Favorite

Date: February 8th, 2014 10:36 AM
Author: Burgundy violent degenerate

$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: flushed aromatic becky sex offender

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: Sick area liquid oxygen

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: adventurous brunch fanboi



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: Sick area liquid oxygen

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: Claret menage deer antler

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: nubile orchestra pit bbw



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



Reply Favorite

Date: February 7th, 2014 4:01 PM
Author: cocky curious space

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: carnelian mind-boggling lodge



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



Reply Favorite

Date: February 7th, 2014 4:08 PM
Author: Titillating multi-billionaire

*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: cocky curious space

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: Floppy Meetinghouse

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: Floppy Meetinghouse

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: coral associate

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: Razzmatazz henna state

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: carnelian mind-boggling lodge

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: vivacious plaza

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: Charismatic locus corn cake

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: Motley jet-lagged rehab

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

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



Reply Favorite

Date: February 7th, 2014 4:38 PM
Author: cocky curious space

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: Bistre Fear-inspiring Garrison

(cgm)

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



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: dark hateful shrine

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: Multi-colored Dingle Berry Persian

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: adventurous brunch fanboi



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: Carmine parlor puppy

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: adventurous brunch fanboi



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: stirring nowag



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: Fighting yarmulke

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: adventurous brunch fanboi



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: adventurous brunch fanboi



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: Boyish misanthropic laser beams church building

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: adventurous brunch fanboi



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: adventurous brunch fanboi



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: exhilarant really tough guy

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: nofapping marvelous range

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: adventurous brunch fanboi



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: exhilarant really tough guy

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: adventurous brunch fanboi



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: Motley jet-lagged rehab

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

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



Reply Favorite

Date: February 13th, 2015 5:52 PM
Author: adventurous brunch fanboi



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



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Date: February 13th, 2015 5:53 PM
Author: naked spot roast beef

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: chest-beating boltzmann institution

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: adventurous brunch fanboi



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



Reply Favorite

Date: April 18th, 2016 7:18 AM
Author: adventurous brunch fanboi



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



Reply Favorite

Date: April 18th, 2016 7:47 AM
Author: fragrant stage

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)



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Date: April 18th, 2016 8:17 AM
Author: Cerebral Frum Gaming Laptop Ladyboy

wise move

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



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

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

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



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Date: April 18th, 2016 7:49 AM
Author: Black sinister karate ape

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: adventurous brunch fanboi



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



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Date: April 18th, 2016 7:50 AM
Author: Carmine parlor puppy

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)



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Date: April 18th, 2016 8:51 AM
Author: Outnumbered partner

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

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



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Date: April 18th, 2016 8:57 AM
Author: Frozen red sweet tailpipe mad-dog skullcap

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: Light thriller native

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: adventurous brunch fanboi



(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: Light thriller native

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)



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Date: April 18th, 2016 9:20 AM
Author: Citrine unhinged gaping temple

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)



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Date: April 18th, 2016 9:20 AM
Author: Brilliant provocative base mother

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: adventurous brunch fanboi



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



Reply Favorite

Date: April 18th, 2016 9:50 AM
Author: Brilliant provocative base mother

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: adventurous brunch fanboi



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



Reply Favorite

Date: July 8th, 2017 11:01 AM
Author: hilarious topaz faggot firefighter

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: Bearded Brindle Field Antidepressant Drug

*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: wild irradiated scourge upon the earth mexican

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)



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Date: February 20th, 2017 3:10 AM
Author: elite nibblets forum

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)



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Date: February 20th, 2017 7:57 AM
Author: wild irradiated scourge upon the earth mexican

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: exciting crimson goyim

saving for retirement is flame. just slide and let do

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



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Date: April 18th, 2016 10:04 AM
Author: Light thriller native

cr

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



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Date: September 29th, 2016 10:24 AM
Author: crusty cuck old irish cottage

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: adventurous brunch fanboi



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



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Date: September 29th, 2016 1:21 PM
Author: Silver abode depressive

How do they get 10% retune every year

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



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Date: September 29th, 2016 2:04 PM
Author: histrionic ebony philosopher-king

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: Boyish misanthropic laser beams church building

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: histrionic ebony philosopher-king



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



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Date: February 20th, 2017 8:11 AM
Author: Olive very tactful school cafeteria brethren

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: Olive very tactful school cafeteria brethren



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



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Date: July 8th, 2017 9:40 AM
Author: Opaque kitchen national security agency

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

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



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Date: July 8th, 2017 9:46 AM
Author: concupiscible chapel

COMPOUND INT--*nuke melts face*

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



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Date: July 8th, 2017 9:50 AM
Author: slippery green sneaky criminal pervert

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)



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Date: July 8th, 2017 9:52 AM
Author: concupiscible chapel

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: slippery green sneaky criminal pervert

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: Ivory market

(Not a rental property owner)

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



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Date: July 9th, 2017 11:14 AM
Author: coral associate

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)



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Date: July 8th, 2017 10:05 AM
Author: Olive very tactful school cafeteria brethren

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)



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Date: July 8th, 2017 10:06 AM
Author: slippery green sneaky criminal pervert

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: odious hall

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)



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Date: July 8th, 2017 12:13 PM
Author: passionate business firm psychic

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: crusty cuck old irish cottage



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



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Date: July 8th, 2017 12:30 PM
Author: odious hall

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)



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Date: July 8th, 2017 12:32 PM
Author: stirring nowag

data entry

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



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Date: July 8th, 2017 12:46 PM
Author: odious hall

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)



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Date: July 8th, 2017 1:03 PM
Author: stirring nowag

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)



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Date: July 8th, 2017 1:04 PM
Author: crusty cuck old irish cottage

CR

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



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Date: July 8th, 2017 12:32 PM
Author: crusty cuck old irish cottage

Admin assistant

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



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Date: July 8th, 2017 12:45 PM
Author: odious hall

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)



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Date: July 8th, 2017 12:57 PM
Author: crusty cuck old irish cottage

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)



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Date: July 8th, 2017 1:26 PM
Author: Spectacular snowy office

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)



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Date: July 9th, 2017 11:10 AM
Author: nubile orchestra pit bbw

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)



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Date: July 8th, 2017 12:45 PM
Author: Orchid Effete Jew Church

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)



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Date: July 8th, 2017 1:27 PM
Author: Spectacular snowy office

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)



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Date: July 9th, 2017 11:21 AM
Author: Multi-colored Dingle Berry Persian

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: Chartreuse massive dilemma french chef



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



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Date: August 23rd, 2017 11:19 AM
Author: crawly arrogant pistol

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)



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Date: September 15th, 2023 11:28 AM
Author: adventurous brunch fanboi



(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)



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

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

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