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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...
glittery big-titted school boiling water
  02/07/14
(Dave Ramsey)
Deep stage fanboi
  12/10/14
Germany bull
Stimulating main people hunting ground
  09/15/23
...
Bonkers Internet-worthy Temple
  04/13/26
Brb transferring money to my roth
spectacular slimy church organic girlfriend
  02/07/14
...
vengeful candlestick maker
  02/08/14
yep
excitant gaping site
  02/07/14
what is the apr on this
Mildly autistic opaque office therapy
  02/07/14
12% lol.
Bisexual Charismatic Laser Beams Mexican
  02/07/14
fucking boomers
Cracking frum personal credit line
  02/07/14
...
Metal galvanic mood point
  04/13/26
...
glittery big-titted school boiling water
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
red kitty cat
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
big institution
  02/07/14
180
red kitty cat
  02/07/14
...
Topaz fluffy center mother
  02/08/14
...
Cerebral Genital Piercing Crackhouse
  02/13/15
...
Confused rough-skinned codepig queen of the night
  04/18/16
...
red kitty cat
  02/20/17
...
disgusting location
  02/20/17
...
Confused rough-skinned codepig queen of the night
  07/08/17
...
glittery big-titted school boiling water
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
red kitty cat
  02/07/14
...
glittery big-titted school boiling water
  02/07/14
(guy who recently watched The Secret)
red kitty cat
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
red kitty cat
  02/07/14
(Boomer in 2006 buying third investment property)
red kitty cat
  02/07/14
this will not occur over the next 40 years
Trip tanning salon corn cake
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
Razzle stock car
  02/07/14
...
glittery big-titted school boiling water
  02/07/14
Compare the demographics, foreign competition, and regulator...
Trip tanning salon corn cake
  12/10/14
...
Trip tanning salon corn cake
  04/18/16
A true genius
Trip tanning salon corn cake
  09/29/16
...
Light wonderful keepsake machete
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
Trip tanning salon corn cake
  04/18/16
Just do assume 12% returns for 45 years
Ultramarine depressive
  02/07/14
...
glittery big-titted school boiling water
  02/07/14
CR incredibly retarded
Trip tanning salon corn cake
  02/07/14
It doesn't change regardless of rate.
Razzle stock car
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
Trip tanning salon corn cake
  04/18/16
...
Metal galvanic mood point
  04/13/26
(finance genius)
Exhilarant nursing home mediation
  02/20/17
So far so good
bistre stage messiness
  04/13/26
That's a pretty cool investment that goes up 10% every year....
haunting lime sex offender
  02/07/14
...
glittery big-titted school boiling water
  02/07/14
this will not be the case for the next 50 years
Trip tanning salon corn cake
  02/07/14
(Suze Orman after a few too many glasses of wine)
Low-t base
  02/07/14
lol'd
Adventurous burgundy resort faggot firefighter
  04/18/16
haha
Well-lubricated passionate selfie
  09/29/16
...
red kitty cat
  02/20/17
...
Razzle stock car
  02/20/17
...
Supple Sneaky Criminal Shrine
  02/20/17
...
irradiated brunch french chef
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
Stirring double fault
  02/07/14
...
glittery big-titted school boiling water
  02/07/14
Not if returns were negative when/in the years immediately f...
Stirring double fault
  02/07/14
...
glittery big-titted school boiling water
  02/07/14
? All the hypo supposes is that you start investing in yo...
Stirring double fault
  02/07/14
...
glittery big-titted school boiling water
  02/07/14
YOUR personal rate of return is different from the market's ...
Stirring double fault
  02/07/14
...
glittery big-titted school boiling water
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
Stirring double fault
  02/07/14
...
glittery big-titted school boiling water
  02/07/14
you realize that to obtain the returns you stated above, one...
big institution
  02/07/14
...
glittery big-titted school boiling water
  02/07/14
jfc why does she write shit like this
vigorous magical pisswyrm prole
  07/09/17
This is true for everything ever.
Jet-lagged locale
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
Bisexual Charismatic Laser Beams Mexican
  02/07/14
U r 36? LOLOL
spectacular slimy church organic girlfriend
  02/07/14
34 but I put more money than $2000 per year in there.
Bisexual Charismatic Laser Beams Mexican
  02/07/14
Damen. How does it feel to be literally half done with life?
spectacular slimy church organic girlfriend
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
Bisexual Charismatic Laser Beams Mexican
  02/07/14
Goal retirement age??
spectacular slimy church organic girlfriend
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
Bisexual Charismatic Laser Beams Mexican
  02/07/14
Any family pressure to get married??
spectacular slimy church organic girlfriend
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
Bisexual Charismatic Laser Beams Mexican
  02/07/14
I'm 56 now
Metal galvanic mood point
  04/13/26
(39-year-old, MAF troll)
Pungent Walnut Goal In Life
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
high-end pervert coldplay fan
  02/07/14
...
glittery big-titted school boiling water
  02/07/14
Doctors are done here
spectacular slimy church organic girlfriend
  02/07/14
...
aphrodisiac orchid hospital
  02/13/15
...
translucent appetizing menage persian
  02/20/17
...
histrionic disturbing newt
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
Bisexual Charismatic Laser Beams Mexican
  02/07/14
What were u doing at 22?
spectacular slimy church organic girlfriend
  02/07/14
crappy consulting firm do municipal bond analysis.
Bisexual Charismatic Laser Beams Mexican
  02/07/14
you should've gone into finance, instead. you'd have a milli...
Stirring double fault
  02/07/14
I was too lazy in college, but yeah would have been a good i...
Bisexual Charismatic Laser Beams Mexican
  02/07/14
$38k was a decent starting salary in 1995...?
Infuriating Background Story
  02/08/14
my gf doesn't even have a credit card. she's 24
Cyan property pistol
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
Overrated telephone
  02/07/14
...
glittery big-titted school boiling water
  02/07/14
yes arthur is fucked, ben pwns him
Overrated telephone
  02/07/14
Twist: Arthur was swimming in student loan debt
red kitty cat
  02/07/14
...
Heady Ticket Booth Pocket Flask
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
Cordovan forum
  02/07/14
...
Flushed impressive state
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
marvelous headpube
  02/07/14
True, the idea that investing early is a good idea sure didn...
Cordovan forum
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
Bat shit crazy razzle-dazzle son of senegal
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
Bat shit crazy razzle-dazzle son of senegal
  07/08/17
Right. The person who started investing earlier is still in ...
mischievous rehab
  07/09/17
I think the more interesting hypo is a guy who starts invest...
Tantric Zombie-like Ladyboy Affirmative Action
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
Flushed impressive state
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
Contagious snowy stag film
  02/07/14
I still think it's more credited to maintain liquidity and i...
Indecent Becky
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
Bisexual Charismatic Laser Beams Mexican
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
Cordovan forum
  02/07/14
(cgm)
Shaky Casino Antidepressant Drug
  02/07/14
What does this look like if you assume 6% returns?
embarrassed to the bone bbw
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
Claret maniacal foreskin
  02/08/14
...
glittery big-titted school boiling water
  02/17/14
not really. my parents had very little just 20 years ago...
Flatulent cruise ship
  02/08/14
...
glittery big-titted school boiling water
  02/10/14
...
Fragrant set
  07/08/17
So your telling me that if I make a lot of money ill do well...
laughsome corner skinny woman
  12/10/14
...
glittery big-titted school boiling water
  05/14/14
...
glittery big-titted school boiling water
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
Balding National Masturbator
  12/10/14
...
glittery big-titted school boiling water
  12/10/14
...
glittery big-titted school boiling water
  02/13/15
this is retarded. for most of us, that would have meant soc...
Beta pit
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
aphrodisiac orchid hospital
  02/13/15
...
glittery big-titted school boiling water
  02/13/15
we're in a bubble right now, so all of those figures are bul...
Beta pit
  02/13/15
...
glittery big-titted school boiling water
  02/13/15
A year later after bitching in this thread, I have fucking $...
Bisexual Charismatic Laser Beams Mexican
  02/13/15
...
glittery big-titted school boiling water
  02/13/15
What has your APR been?
out-of-control twisted range generalized bond
  02/13/15
how much money did you have in cash on the sidelines from th...
mustard gay wizard
  02/13/15
...
glittery big-titted school boiling water
  12/29/15
...
glittery big-titted school boiling water
  04/18/16
I remember a teacher showing us this kind of chart back arou...
orange french multi-billionaire jew
  04/18/16
wise move
Dead sweet tailpipe
  04/18/16
I brought up shit like fees and realistic rates and the guy ...
Metal galvanic mood point
  04/13/26
Too late now. Might as well YOLO out of control.
Concupiscible Tank Black Woman
  04/18/16
...
glittery big-titted school boiling water
  04/18/16
This is false and assumes one continues working a cookie-cut...
Flatulent cruise ship
  04/18/16
just do >10% growth every year. worked for bernie madoff
Learning Disabled Famous Landscape Painting
  04/18/16
This bort is retarded.
Razzle stock car
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
Arrogant friendly grandma
  04/18/16
...
glittery big-titted school boiling water
  04/18/16
you pointed it out above several times, and each time you go...
Arrogant friendly grandma
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
Mint International Law Enforcement Agency
  04/18/16
The real reason this chart is dumb is because of inflation. ...
Coiffed trust fund
  04/18/16
...
glittery big-titted school boiling water
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
Coiffed trust fund
  04/18/16
...
glittery big-titted school boiling water
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
abusive boltzmann cumskin
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
cerise thriller private investor tattoo
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
cowardly people who are hurt
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
Soul-stirring giraffe dilemma
  02/20/17
I agree generally that returns will be lower. But if you ask...
cowardly people who are hurt
  02/20/17
saving for retirement is flame. just slide and let do
swashbuckling blue meetinghouse
  04/18/16
cr
Arrogant friendly grandma
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
histrionic disturbing newt
  09/29/16
...
glittery big-titted school boiling water
  09/29/16
How do they get 10% retune every year
talented trailer park
  09/29/16
noob investor question, but isn't this idea kind of self per...
crimson hell
  09/29/16
Student loan interest exceeds most investment returns so tha...
Balding National Masturbator
  09/29/16
...
crimson hell
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
Provocative twinkling uncleanness indian lodge
  02/20/17
...
Provocative twinkling uncleanness indian lodge
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
Razzmatazz Roast Beef
  07/08/17
COMPOUND INT--*nuke melts face*
Metal galvanic mood point
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
Aromatic market dopamine
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
Metal galvanic mood point
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
Aromatic market dopamine
  07/08/17
(Not a rental property owner)
Trip tanning salon corn cake
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
mischievous rehab
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
Provocative twinkling uncleanness indian lodge
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
Aromatic market dopamine
  07/08/17
now show me the table for $300K at 8% in student loans
Slap-happy spot milk
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
floppy alcoholic theater
  07/08/17
...
histrionic disturbing newt
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
Slap-happy spot milk
  07/08/17
data entry
Fragrant set
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
Slap-happy spot milk
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
Fragrant set
  07/08/17
CR
histrionic disturbing newt
  07/08/17
Admin assistant
histrionic disturbing newt
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
Slap-happy spot milk
  07/08/17
According to the chart all you need to invest is like 2k a y...
histrionic disturbing newt
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
carmine cuckoldry
  07/08/17
things barzini knew and did that you did not for $200, alex
Heady Ticket Booth Pocket Flask
  07/09/17
I think a much more sure bet is Social Security taxes being ...
Rebellious cuck
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
carmine cuckoldry
  07/08/17
Investment compounding is the single biggest scam the inve...
Claret maniacal foreskin
  07/09/17
...
Diverse Sadistic Parlour
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
irradiated brunch french chef
  08/23/17
...
glittery big-titted school boiling water
  09/15/23
how’d we all do?
Provocative twinkling uncleanness indian lodge
  04/13/26
Not flame bc of the OP I invested $35k and it’s worth ...
racy coral field mad-dog skullcap
  04/13/26
...
Bonkers Internet-worthy Temple
  04/13/26


Poast new message in this thread



Reply Favorite

Date: February 7th, 2014 3:20 PM
Author: glittery big-titted school boiling water

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: Deep stage fanboi

(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: Stimulating main people hunting ground
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: Bonkers Internet-worthy Temple



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: spectacular slimy church organic girlfriend

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: vengeful candlestick maker



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: excitant gaping site

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: Mildly autistic opaque office therapy

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: Bisexual Charismatic Laser Beams Mexican

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: Cracking frum personal credit line

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: Metal galvanic mood point



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



Reply Favorite

Date: February 7th, 2014 3:28 PM
Author: glittery big-titted school boiling water



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: red kitty cat

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: big institution

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: red kitty cat

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: Topaz fluffy center mother



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: Cerebral Genital Piercing Crackhouse



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: Confused rough-skinned codepig queen of the night



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: red kitty cat



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: disgusting location



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: Confused rough-skinned codepig queen of the night



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: glittery big-titted school boiling water



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: red kitty cat

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: glittery big-titted school boiling water



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: red kitty cat

(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: red kitty cat

(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: red kitty cat

(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: Trip tanning salon corn cake

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: Razzle stock car

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: glittery big-titted school boiling water



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: Trip tanning salon corn cake

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: Trip tanning salon corn cake



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: Trip tanning salon corn cake

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: Light wonderful keepsake machete



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: Trip tanning salon corn cake

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: Ultramarine depressive

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: glittery big-titted school boiling water



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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: Trip tanning salon corn cake

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: Razzle stock car

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: Trip tanning salon corn cake

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: Metal galvanic mood point



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



Reply Favorite

Date: February 20th, 2017 9:25 AM
Author: Exhilarant nursing home mediation

(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: bistre stage messiness

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: haunting lime sex offender

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: glittery big-titted school boiling water



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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: Trip tanning salon corn cake

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: Low-t base

(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: Adventurous burgundy resort faggot firefighter

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: Well-lubricated passionate selfie

haha

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



Reply Favorite

Date: February 20th, 2017 1:49 AM
Author: red kitty cat



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



Reply Favorite

Date: February 20th, 2017 8:38 AM
Author: Razzle stock car



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: Supple Sneaky Criminal Shrine



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: irradiated brunch french chef



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Stirring double fault

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: glittery big-titted school boiling water



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Stirring double fault

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: glittery big-titted school boiling water



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: Stirring double fault

?

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: glittery big-titted school boiling water



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Stirring double fault

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: glittery big-titted school boiling water



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



Reply Favorite

Date: February 7th, 2014 4:13 PM
Author: Stirring double fault

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: glittery big-titted school boiling water



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



Reply Favorite

Date: February 7th, 2014 4:35 PM
Author: big institution

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: glittery big-titted school boiling water



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



Reply Favorite

Date: July 9th, 2017 11:26 AM
Author: vigorous magical pisswyrm prole

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: Jet-lagged locale

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: Bisexual Charismatic Laser Beams Mexican

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: spectacular slimy church organic girlfriend

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: Bisexual Charismatic Laser Beams Mexican

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: spectacular slimy church organic girlfriend

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: Bisexual Charismatic Laser Beams Mexican

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: spectacular slimy church organic girlfriend

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: Bisexual Charismatic Laser Beams Mexican

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: spectacular slimy church organic girlfriend

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: Bisexual Charismatic Laser Beams Mexican

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: Metal galvanic mood point

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: Pungent Walnut Goal In Life

(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: high-end pervert coldplay fan

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: glittery big-titted school boiling water



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: spectacular slimy church organic girlfriend

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: aphrodisiac orchid hospital



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: translucent appetizing menage persian



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: histrionic disturbing newt



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: Bisexual Charismatic Laser Beams Mexican

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: spectacular slimy church organic girlfriend

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: Bisexual Charismatic Laser Beams Mexican

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: Stirring double fault

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: Bisexual Charismatic Laser Beams Mexican

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: Infuriating Background Story

$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: Cyan property pistol

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: Overrated telephone

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: glittery big-titted school boiling water



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: Overrated telephone

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: red kitty cat

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: Heady Ticket Booth Pocket Flask



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



Reply Favorite

Date: February 7th, 2014 4:01 PM
Author: Cordovan forum

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: Flushed impressive state



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



Reply Favorite

Date: February 7th, 2014 4:08 PM
Author: marvelous headpube

*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: Cordovan forum

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: Bat shit crazy razzle-dazzle son of senegal

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: Bat shit crazy razzle-dazzle son of senegal

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: mischievous rehab

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: Tantric Zombie-like Ladyboy Affirmative Action

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: Flushed impressive state

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: Contagious snowy stag film

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: Indecent Becky

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: Bisexual Charismatic Laser Beams Mexican

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: Cordovan forum

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: Shaky Casino Antidepressant Drug

(cgm)

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



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: embarrassed to the bone bbw

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: Claret maniacal foreskin

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: glittery big-titted school boiling water



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: Flatulent cruise ship

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: glittery big-titted school boiling water



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: Fragrant set



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: laughsome corner skinny woman

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: glittery big-titted school boiling water



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: glittery big-titted school boiling water



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: Balding National Masturbator

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: glittery big-titted school boiling water



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: glittery big-titted school boiling water



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: Beta pit

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: aphrodisiac orchid hospital

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: glittery big-titted school boiling water



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: Beta pit

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: glittery big-titted school boiling water



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: Bisexual Charismatic Laser Beams Mexican

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)



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Date: February 13th, 2015 5:52 PM
Author: glittery big-titted school boiling water



(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: out-of-control twisted range generalized bond

What has your APR been?

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



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Date: February 13th, 2015 6:18 PM
Author: mustard gay wizard

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)



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Date: December 29th, 2015 1:41 PM
Author: glittery big-titted school boiling water



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



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Date: April 18th, 2016 7:18 AM
Author: glittery big-titted school boiling water



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



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Date: April 18th, 2016 7:47 AM
Author: orange french multi-billionaire jew

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: Dead sweet tailpipe

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: Metal galvanic mood point

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: Concupiscible Tank Black Woman

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

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



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Date: April 18th, 2016 9:40 AM
Author: glittery big-titted school boiling water



(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: Flatulent cruise ship

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: Learning Disabled Famous Landscape Painting

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: Razzle stock car

This bort is retarded.

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



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Date: April 18th, 2016 9:04 AM
Author: Arrogant friendly grandma

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)



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Date: April 18th, 2016 9:41 AM
Author: glittery big-titted school boiling water



(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: Arrogant friendly grandma

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: Mint International Law Enforcement Agency

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: Coiffed trust fund

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)



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Date: April 18th, 2016 9:45 AM
Author: glittery big-titted school boiling water



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



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Date: April 18th, 2016 9:50 AM
Author: Coiffed trust fund

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)



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Date: April 18th, 2016 10:02 AM
Author: glittery big-titted school boiling water



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



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Date: July 8th, 2017 11:01 AM
Author: abusive boltzmann cumskin

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)



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Date: September 15th, 2023 11:41 AM
Author: cerise thriller private investor tattoo

*assumes 3% inflation*

*fade in cannibal holocaust theme*

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



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Date: April 18th, 2016 9:24 AM
Author: cowardly people who are hurt

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: Soul-stirring giraffe dilemma

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: cowardly people who are hurt

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)



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Date: April 18th, 2016 9:57 AM
Author: swashbuckling blue meetinghouse

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: Arrogant friendly grandma

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: histrionic disturbing newt

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

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



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Date: September 29th, 2016 10:03 AM
Author: glittery big-titted school boiling water



(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: talented trailer park

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: crimson hell

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: Balding National Masturbator

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)



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Date: September 29th, 2016 4:48 PM
Author: crimson hell



(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: Provocative twinkling uncleanness indian lodge

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)



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Date: July 8th, 2017 9:32 AM
Author: Provocative twinkling uncleanness indian lodge



(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: Razzmatazz Roast Beef

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: Metal galvanic mood point

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: Aromatic market dopamine

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: Metal galvanic mood point

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)



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Date: July 8th, 2017 9:54 AM
Author: Aromatic market dopamine

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)



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Date: July 8th, 2017 10:16 AM
Author: Trip tanning salon corn cake

(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: mischievous rehab

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: Provocative twinkling uncleanness indian lodge

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: Aromatic market dopamine

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)



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Date: July 8th, 2017 12:06 PM
Author: Slap-happy spot milk

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: floppy alcoholic theater

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)



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Date: July 8th, 2017 12:28 PM
Author: histrionic disturbing newt



(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: Slap-happy spot milk

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: Fragrant set

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: Slap-happy spot milk

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: Fragrant set

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: histrionic disturbing newt

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: histrionic disturbing newt

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: Slap-happy spot milk

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: histrionic disturbing newt

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: carmine cuckoldry

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: Heady Ticket Booth Pocket Flask

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: Rebellious cuck

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: carmine cuckoldry

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: Claret maniacal foreskin

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)



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Date: August 22nd, 2017 7:26 PM
Author: Diverse Sadistic Parlour



(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: irradiated brunch french chef

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: glittery big-titted school boiling water



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



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Date: April 13th, 2026 1:45 PM
Author: Provocative twinkling uncleanness indian lodge

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: racy coral field mad-dog skullcap

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)



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Date: April 13th, 2026 1:58 PM
Author: Bonkers Internet-worthy Temple



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