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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...
Pale hospital giraffe
  02/07/14
(Dave Ramsey)
Thirsty deranged hall
  12/10/14
Germany bull
Sienna Hyperactive Persian
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
Talented Free-loading Codepig Friendly Grandma
  02/07/14
...
Splenetic Multi-billionaire
  02/08/14
yep
house-broken charismatic clown
  02/07/14
what is the apr on this
Soul-stirring balding principal's office death wish
  02/07/14
12% lol.
Ruby Point
  02/07/14
fucking boomers
thriller spot
  02/07/14
...
may his bones be crushed
  04/13/26
...
Pale hospital giraffe
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
harsh jet windowlicker
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
stubborn public bath
  02/07/14
180
harsh jet windowlicker
  02/07/14
...
olive nudist brethren love of her life
  02/08/14
...
Dashing bronze legal warrant
  02/13/15
...
Passionate Dull Half-breed
  04/18/16
...
harsh jet windowlicker
  02/20/17
...
hairraiser primrose lay
  02/20/17
...
Passionate Dull Half-breed
  07/08/17
...
Pale hospital giraffe
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
harsh jet windowlicker
  02/07/14
...
Pale hospital giraffe
  02/07/14
(guy who recently watched The Secret)
harsh jet windowlicker
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
harsh jet windowlicker
  02/07/14
(Boomer in 2006 buying third investment property)
harsh jet windowlicker
  02/07/14
this will not occur over the next 40 years
Stimulating bisexual den prole
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
Mind-boggling Nofapping Church Building Preventive Strike
  02/07/14
...
Pale hospital giraffe
  02/07/14
Compare the demographics, foreign competition, and regulator...
Stimulating bisexual den prole
  12/10/14
...
Stimulating bisexual den prole
  04/18/16
A true genius
Stimulating bisexual den prole
  09/29/16
...
filthy ivory dragon fanboi
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
Stimulating bisexual den prole
  04/18/16
Just do assume 12% returns for 45 years
burgundy ape
  02/07/14
...
Pale hospital giraffe
  02/07/14
CR incredibly retarded
Stimulating bisexual den prole
  02/07/14
It doesn't change regardless of rate.
Mind-boggling Nofapping Church Building Preventive Strike
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
Stimulating bisexual den prole
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
Aphrodisiac hissy fit
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
confused crystalline trust fund crotch
  02/07/14
...
Pale hospital giraffe
  02/07/14
this will not be the case for the next 50 years
Stimulating bisexual den prole
  02/07/14
(Suze Orman after a few too many glasses of wine)
Gold Azn
  02/07/14
lol'd
motley translucent pisswyrm
  04/18/16
haha
Seedy deer antler
  09/29/16
...
harsh jet windowlicker
  02/20/17
...
Mind-boggling Nofapping Church Building Preventive Strike
  02/20/17
...
electric jap library
  02/20/17
...
twisted canary garrison
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
Exhilarant dog poop
  02/07/14
...
Pale hospital giraffe
  02/07/14
Not if returns were negative when/in the years immediately f...
Exhilarant dog poop
  02/07/14
...
Pale hospital giraffe
  02/07/14
? All the hypo supposes is that you start investing in yo...
Exhilarant dog poop
  02/07/14
...
Pale hospital giraffe
  02/07/14
YOUR personal rate of return is different from the market's ...
Exhilarant dog poop
  02/07/14
...
Pale hospital giraffe
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
Exhilarant dog poop
  02/07/14
...
Pale hospital giraffe
  02/07/14
you realize that to obtain the returns you stated above, one...
stubborn public bath
  02/07/14
...
Pale hospital giraffe
  02/07/14
jfc why does she write shit like this
Razzle turquoise sandwich
  07/09/17
This is true for everything ever.
Stirring center partner
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
Ruby Point
  02/07/14
U r 36? LOLOL
Talented Free-loading Codepig Friendly Grandma
  02/07/14
34 but I put more money than $2000 per year in there.
Ruby Point
  02/07/14
Damen. How does it feel to be literally half done with life?
Talented Free-loading Codepig Friendly Grandma
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
Ruby Point
  02/07/14
Goal retirement age??
Talented Free-loading Codepig Friendly Grandma
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
Ruby Point
  02/07/14
Any family pressure to get married??
Talented Free-loading Codepig Friendly Grandma
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
Ruby Point
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
Adventurous crackhouse
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
amethyst cracking kitchen quadroon
  02/07/14
...
Pale hospital giraffe
  02/07/14
Doctors are done here
Talented Free-loading Codepig Friendly Grandma
  02/07/14
...
Excitant mustard indian lodge
  02/13/15
...
Narrow-minded tattoo blood rage
  02/20/17
...
Coral multi-colored round eye factory reset button
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
Ruby Point
  02/07/14
What were u doing at 22?
Talented Free-loading Codepig Friendly Grandma
  02/07/14
crappy consulting firm do municipal bond analysis.
Ruby Point
  02/07/14
you should've gone into finance, instead. you'd have a milli...
Exhilarant dog poop
  02/07/14
I was too lazy in college, but yeah would have been a good i...
Ruby Point
  02/07/14
$38k was a decent starting salary in 1995...?
Heady Mad-dog Skullcap
  02/08/14
my gf doesn't even have a credit card. she's 24
Learning Disabled Rough-skinned Immigrant
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
Submissive Scarlet Candlestick Maker Locus
  02/07/14
...
Pale hospital giraffe
  02/07/14
yes arthur is fucked, ben pwns him
Submissive Scarlet Candlestick Maker Locus
  02/07/14
Twist: Arthur was swimming in student loan debt
harsh jet windowlicker
  02/07/14
...
Wonderful green masturbator
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
insecure house
  02/07/14
...
crawly pozpig
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
odious theater ladyboy
  02/07/14
True, the idea that investing early is a good idea sure didn...
insecure house
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
Irradiated heaven organic girlfriend
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
Irradiated heaven organic girlfriend
  07/08/17
Right. The person who started investing earlier is still in ...
dead piazza
  07/09/17
I think the more interesting hypo is a guy who starts invest...
Magical copper foreskin locale
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
crawly pozpig
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
Appetizing Meetinghouse
  02/07/14
I still think it's more credited to maintain liquidity and i...
Cheese-eating twinkling uncleanness
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
Ruby Point
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
insecure house
  02/07/14
(cgm)
Pontificating shaky rigpig
  02/07/14
What does this look like if you assume 6% returns?
Dark stock car university
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
aqua abode patrolman
  02/08/14
...
Pale hospital giraffe
  02/17/14
not really. my parents had very little just 20 years ago...
medicated weed whacker cuckold
  02/08/14
...
Pale hospital giraffe
  02/10/14
...
marvelous grizzly antidepressant drug
  07/08/17
So your telling me that if I make a lot of money ill do well...
razzmatazz shitlib double fault
  12/10/14
...
Pale hospital giraffe
  05/14/14
...
Pale hospital giraffe
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
Clear spectacular property
  12/10/14
...
Pale hospital giraffe
  12/10/14
...
Pale hospital giraffe
  02/13/15
this is retarded. for most of us, that would have meant soc...
fragrant bbw
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
Excitant mustard indian lodge
  02/13/15
...
Pale hospital giraffe
  02/13/15
we're in a bubble right now, so all of those figures are bul...
fragrant bbw
  02/13/15
...
Pale hospital giraffe
  02/13/15
A year later after bitching in this thread, I have fucking $...
Ruby Point
  02/13/15
...
Pale hospital giraffe
  02/13/15
What has your APR been?
cordovan goyim church
  02/13/15
how much money did you have in cash on the sidelines from th...
Useless hideous mexican cruise ship
  02/13/15
...
Pale hospital giraffe
  12/29/15
...
Pale hospital giraffe
  04/18/16
I remember a teacher showing us this kind of chart back arou...
effete cumskin turdskin
  04/18/16
wise move
claret marketing idea doctorate
  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.
Arousing arrogant parlour sex offender
  04/18/16
...
Pale hospital giraffe
  04/18/16
This is false and assumes one continues working a cookie-cut...
medicated weed whacker cuckold
  04/18/16
just do >10% growth every year. worked for bernie madoff
Kink-friendly shrine gay wizard
  04/18/16
This bort is retarded.
Mind-boggling Nofapping Church Building Preventive Strike
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
red private investor
  04/18/16
...
Pale hospital giraffe
  04/18/16
you pointed it out above several times, and each time you go...
red private investor
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
Vigorous federal cuckoldry
  04/18/16
The real reason this chart is dumb is because of inflation. ...
avocado cerebral hell dysfunction
  04/18/16
...
Pale hospital giraffe
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
avocado cerebral hell dysfunction
  04/18/16
...
Pale hospital giraffe
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
geriatric stag film telephone
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
carmine drunken main people selfie
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
Abnormal bearded nursing home headpube
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
boyish bawdyhouse
  02/20/17
I agree generally that returns will be lower. But if you ask...
Abnormal bearded nursing home headpube
  02/20/17
saving for retirement is flame. just slide and let do
garnet provocative puppy
  04/18/16
cr
red private investor
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
Coral multi-colored round eye factory reset button
  09/29/16
...
Pale hospital giraffe
  09/29/16
How do they get 10% retune every year
Henna area
  09/29/16
noob investor question, but isn't this idea kind of self per...
Contagious slippery rehab
  09/29/16
Student loan interest exceeds most investment returns so tha...
Clear spectacular property
  09/29/16
...
Contagious slippery rehab
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
Shimmering frisky juggernaut
  02/20/17
...
Shimmering frisky juggernaut
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
topaz address
  07/08/17
COMPOUND INT--*nuke melts face*
insanely creepy son of senegal base
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
Violet unholy old irish cottage
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
insanely creepy son of senegal base
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
Violet unholy old irish cottage
  07/08/17
(Not a rental property owner)
Stimulating bisexual den prole
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
dead piazza
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
Shimmering frisky juggernaut
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
Violet unholy old irish cottage
  07/08/17
now show me the table for $300K at 8% in student loans
Concupiscible bonkers step-uncle's house
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
180 school cafeteria
  07/08/17
...
Coral multi-colored round eye factory reset button
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
Concupiscible bonkers step-uncle's house
  07/08/17
data entry
marvelous grizzly antidepressant drug
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
Concupiscible bonkers step-uncle's house
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
marvelous grizzly antidepressant drug
  07/08/17
CR
Coral multi-colored round eye factory reset button
  07/08/17
Admin assistant
Coral multi-colored round eye factory reset button
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
Concupiscible bonkers step-uncle's house
  07/08/17
According to the chart all you need to invest is like 2k a y...
Coral multi-colored round eye factory reset button
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
jade beady-eyed toilet seat idea he suggested
  07/08/17
things barzini knew and did that you did not for $200, alex
Wonderful green masturbator
  07/09/17
I think a much more sure bet is Social Security taxes being ...
trip roast beef
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
jade beady-eyed toilet seat idea he suggested
  07/08/17
Investment compounding is the single biggest scam the inve...
aqua abode patrolman
  07/09/17
...
fuchsia frozen state
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
twisted canary garrison
  08/23/17
...
Pale hospital giraffe
  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: Pale hospital giraffe

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

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



Reply Favorite

Date: December 10th, 2014 4:58 PM
Author: Thirsty deranged hall

(Dave Ramsey)

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



Reply Favorite

Date: September 15th, 2023 12:25 PM
Author: Sienna Hyperactive Persian
Subject: Germany bull

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

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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: Talented Free-loading Codepig Friendly Grandma

Brb transferring money to my roth

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



Reply Favorite

Date: February 8th, 2014 10:44 AM
Author: Splenetic Multi-billionaire



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: house-broken charismatic clown

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: Soul-stirring balding principal's office death wish

what is the apr on this

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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Ruby Point

12% lol.

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



Reply Favorite

Date: February 7th, 2014 3:25 PM
Author: thriller spot

fucking boomers

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



Reply Favorite

Date: February 7th, 2014 3:28 PM
Author: Pale hospital giraffe



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: harsh jet windowlicker

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...id.#24973943)



Reply Favorite

Date: February 7th, 2014 3:34 PM
Author: stubborn public bath

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...id.#24973956)



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: harsh jet windowlicker

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: olive nudist brethren love of her life



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: Dashing bronze legal warrant



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: Passionate Dull Half-breed



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: harsh jet windowlicker



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: hairraiser primrose lay



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: Passionate Dull Half-breed



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: Pale hospital giraffe



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: harsh jet windowlicker

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...id.#24974015)



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: Pale hospital giraffe



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: harsh jet windowlicker

(guy who recently watched The Secret)

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



Reply Favorite

Date: February 7th, 2014 3:56 PM
Author: harsh jet windowlicker

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

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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: harsh jet windowlicker

(Boomer in 2006 buying third investment property)

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



Reply Favorite

Date: February 7th, 2014 3:59 PM
Author: Stimulating bisexual den prole

this will not occur over the next 40 years

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



Reply Favorite

Date: February 7th, 2014 4:36 PM
Author: Mind-boggling Nofapping Church Building Preventive Strike

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...id.#24974300)



Reply Favorite

Date: February 7th, 2014 4:40 PM
Author: Pale hospital giraffe



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: Stimulating bisexual den prole

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...id.#26902473)



Reply Favorite

Date: April 18th, 2016 9:12 AM
Author: Stimulating bisexual den prole



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: Stimulating bisexual den prole

A true genius

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



Reply Favorite

Date: April 18th, 2016 7:41 AM
Author: filthy ivory dragon fanboi



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: Stimulating bisexual den prole

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...id.#30296264)



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: burgundy ape

Just do assume 12% returns for 45 years

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



Reply Favorite

Date: February 7th, 2014 3:29 PM
Author: Pale hospital giraffe



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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: Stimulating bisexual den prole

CR incredibly retarded

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



Reply Favorite

Date: April 18th, 2016 8:57 AM
Author: Mind-boggling Nofapping Church Building Preventive Strike

It doesn't change regardless of rate.

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



Reply Favorite

Date: April 18th, 2016 9:13 AM
Author: Stimulating bisexual den prole

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

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



Reply Favorite

Date: February 20th, 2017 9:25 AM
Author: Aphrodisiac hissy fit

(finance genius)

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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: confused crystalline trust fund crotch

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...id.#24973885)



Reply Favorite

Date: February 7th, 2014 3:29 PM
Author: Pale hospital giraffe



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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: Stimulating bisexual den prole

this will not be the case for the next 50 years



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Gold Azn

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

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



Reply Favorite

Date: April 18th, 2016 9:35 AM
Author: motley translucent pisswyrm

lol'd

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



Reply Favorite

Date: September 29th, 2016 10:24 AM
Author: Seedy deer antler

haha

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



Reply Favorite

Date: February 20th, 2017 1:49 AM
Author: harsh jet windowlicker



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



Reply Favorite

Date: February 20th, 2017 8:38 AM
Author: Mind-boggling Nofapping Church Building Preventive Strike



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: electric jap library



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: twisted canary garrison



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Exhilarant dog poop

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...id.#24973892)



Reply Favorite

Date: February 7th, 2014 3:30 PM
Author: Pale hospital giraffe



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Exhilarant dog poop

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...id.#24973941)



Reply Favorite

Date: February 7th, 2014 3:36 PM
Author: Pale hospital giraffe



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: Exhilarant dog poop

?

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...id.#24973993)



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Pale hospital giraffe



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Exhilarant dog poop

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...id.#24974038)



Reply Favorite

Date: February 7th, 2014 3:49 PM
Author: Pale hospital giraffe



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



Reply Favorite

Date: February 7th, 2014 4:13 PM
Author: Exhilarant dog poop

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...id.#24974177)



Reply Favorite

Date: February 7th, 2014 4:33 PM
Author: Pale hospital giraffe



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



Reply Favorite

Date: February 7th, 2014 4:35 PM
Author: stubborn public bath

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...id.#24974293)



Reply Favorite

Date: February 7th, 2014 4:41 PM
Author: Pale hospital giraffe



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



Reply Favorite

Date: July 9th, 2017 11:26 AM
Author: Razzle turquoise sandwich

jfc why does she write shit like this

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



Reply Favorite

Date: September 29th, 2016 2:14 PM
Author: Stirring center partner

This is true for everything ever.

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



Reply Favorite

Date: February 7th, 2014 3:25 PM
Author: Ruby Point

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...id.#24973900)



Reply Favorite

Date: February 7th, 2014 3:30 PM
Author: Talented Free-loading Codepig Friendly Grandma

U r 36? LOLOL

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



Reply Favorite

Date: February 7th, 2014 3:31 PM
Author: Ruby Point

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

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



Reply Favorite

Date: February 7th, 2014 3:36 PM
Author: Talented Free-loading Codepig Friendly Grandma

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

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



Reply Favorite

Date: February 7th, 2014 3:39 PM
Author: Ruby Point

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...id.#24973988)



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: Talented Free-loading Codepig Friendly Grandma

Goal retirement age??

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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Ruby Point

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...id.#24974009)



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: Talented Free-loading Codepig Friendly Grandma

Any family pressure to get married??

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



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: Ruby Point

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...id.#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...id.#49814674)



Reply Favorite

Date: February 7th, 2014 3:32 PM
Author: Adventurous crackhouse

(39-year-old, MAF troll)

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



Reply Favorite

Date: February 7th, 2014 3:38 PM
Author: amethyst cracking kitchen quadroon

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...id.#24973984)



Reply Favorite

Date: February 7th, 2014 3:39 PM
Author: Pale hospital giraffe



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Talented Free-loading Codepig Friendly Grandma

Doctors are done here

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



Reply Favorite

Date: February 13th, 2015 5:32 PM
Author: Excitant mustard indian lodge



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: Narrow-minded tattoo blood rage



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: Coral multi-colored round eye factory reset button



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: Ruby Point

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...id.#24974025)



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: Talented Free-loading Codepig Friendly Grandma

What were u doing at 22?

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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: Ruby Point

crappy consulting firm do municipal bond analysis.

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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: Exhilarant dog poop

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...id.#24974087)



Reply Favorite

Date: February 7th, 2014 3:59 PM
Author: Ruby Point

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...id.#24974092)



Reply Favorite

Date: February 8th, 2014 10:36 AM
Author: Heady Mad-dog Skullcap

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

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



Reply Favorite

Date: April 18th, 2016 9:49 AM
Author: Learning Disabled Rough-skinned Immigrant

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

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



Reply Favorite

Date: February 7th, 2014 3:48 PM
Author: Submissive Scarlet Candlestick Maker Locus

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...id.#24974041)



Reply Favorite

Date: February 7th, 2014 3:50 PM
Author: Pale hospital giraffe



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: Submissive Scarlet Candlestick Maker Locus

yes arthur is fucked, ben pwns him

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



Reply Favorite

Date: February 7th, 2014 3:51 PM
Author: harsh jet windowlicker

Twist: Arthur was swimming in student loan debt

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



Reply Favorite

Date: February 13th, 2015 5:46 PM
Author: Wonderful green masturbator



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



Reply Favorite

Date: February 7th, 2014 4:01 PM
Author: insecure house

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...id.#24974098)



Reply Favorite

Date: February 8th, 2014 8:23 PM
Author: crawly pozpig



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



Reply Favorite

Date: February 7th, 2014 4:08 PM
Author: odious theater ladyboy

*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...id.#24974133)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: insecure house

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...id.#24974151)



Reply Favorite

Date: September 29th, 2016 1:14 PM
Author: Irradiated heaven organic girlfriend

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...id.#31521424)



Reply Favorite

Date: July 8th, 2017 10:02 AM
Author: Irradiated heaven organic girlfriend

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...id.#33727706)



Reply Favorite

Date: July 9th, 2017 10:45 AM
Author: dead piazza

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...id.#33734072)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: Magical copper foreskin locale

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...id.#24974146)



Reply Favorite

Date: February 8th, 2014 8:23 PM
Author: crawly pozpig

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...id.#24980361)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: Appetizing Meetinghouse

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...id.#24974148)



Reply Favorite

Date: February 7th, 2014 4:11 PM
Author: Cheese-eating twinkling uncleanness

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...id.#24974156)



Reply Favorite

Date: February 7th, 2014 4:15 PM
Author: Ruby Point

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...id.#24974195)



Reply Favorite

Date: February 7th, 2014 4:38 PM
Author: insecure house

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...id.#24974306)



Reply Favorite

Date: February 7th, 2014 4:58 PM
Author: Pontificating shaky rigpig

(cgm)

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



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: Dark stock car university

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

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



Reply Favorite

Date: February 8th, 2014 10:51 AM
Author: aqua abode patrolman

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...id.#24977600)



Reply Favorite

Date: February 17th, 2014 11:13 AM
Author: Pale hospital giraffe



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: medicated weed whacker cuckold

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...id.#24977623)



Reply Favorite

Date: February 10th, 2014 2:32 PM
Author: Pale hospital giraffe



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: marvelous grizzly antidepressant drug



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: razzmatazz shitlib double fault

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...id.#26902507)



Reply Favorite

Date: May 14th, 2014 9:23 AM
Author: Pale hospital giraffe



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: Pale hospital giraffe



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: Clear spectacular property

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...id.#26902483)



Reply Favorite

Date: December 10th, 2014 5:10 PM
Author: Pale hospital giraffe



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: Pale hospital giraffe



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: fragrant bbw

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...id.#27309317)



Reply Favorite

Date: February 13th, 2015 5:35 PM
Author: Excitant mustard indian lodge

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...id.#27309326)



Reply Favorite

Date: February 13th, 2015 5:36 PM
Author: Pale hospital giraffe



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: fragrant bbw

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...id.#27309354)



Reply Favorite

Date: February 13th, 2015 5:50 PM
Author: Pale hospital giraffe



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



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Date: February 13th, 2015 5:44 PM
Author: Ruby Point

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...id.#27309399)



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Date: February 13th, 2015 5:52 PM
Author: Pale hospital giraffe



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



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Date: February 13th, 2015 5:53 PM
Author: cordovan goyim church

What has your APR been?

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



Reply Favorite

Date: February 13th, 2015 6:18 PM
Author: Useless hideous mexican cruise ship

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...id.#27309632)



Reply Favorite

Date: December 29th, 2015 1:41 PM
Author: Pale hospital giraffe



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



Reply Favorite

Date: April 18th, 2016 7:18 AM
Author: Pale hospital giraffe



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



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Date: April 18th, 2016 7:47 AM
Author: effete cumskin turdskin

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...id.#30296076)



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Date: April 18th, 2016 8:17 AM
Author: claret marketing idea doctorate

wise move

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



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Date: April 18th, 2016 7:49 AM
Author: Arousing arrogant parlour sex offender

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

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



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Date: April 18th, 2016 9:40 AM
Author: Pale hospital giraffe



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



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Date: April 18th, 2016 7:50 AM
Author: medicated weed whacker cuckold

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...id.#30296082)



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Date: April 18th, 2016 8:51 AM
Author: Kink-friendly shrine gay wizard

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

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



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Date: April 18th, 2016 8:57 AM
Author: Mind-boggling Nofapping Church Building Preventive Strike

This bort is retarded.

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



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Date: April 18th, 2016 9:04 AM
Author: red private investor

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...id.#30296237)



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Date: April 18th, 2016 9:41 AM
Author: Pale hospital giraffe



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



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Date: April 18th, 2016 10:04 AM
Author: red private investor

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...id.#30296421)



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Date: April 18th, 2016 9:20 AM
Author: Vigorous federal cuckoldry

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...id.#30296292)



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Date: April 18th, 2016 9:20 AM
Author: avocado cerebral hell dysfunction

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...id.#30296293)



Reply Favorite

Date: April 18th, 2016 9:45 AM
Author: Pale hospital giraffe



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



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Date: April 18th, 2016 9:50 AM
Author: avocado cerebral hell dysfunction

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...id.#30296396)



Reply Favorite

Date: April 18th, 2016 10:02 AM
Author: Pale hospital giraffe



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



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Date: July 8th, 2017 11:01 AM
Author: geriatric stag film telephone

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

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



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Date: September 15th, 2023 11:41 AM
Author: carmine drunken main people selfie

*assumes 3% inflation*

*fade in cannibal holocaust theme*

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



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Date: April 18th, 2016 9:24 AM
Author: Abnormal bearded nursing home headpube

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...id.#30296303)



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Date: February 20th, 2017 3:10 AM
Author: boyish bawdyhouse

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...id.#32659870)



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Date: February 20th, 2017 7:57 AM
Author: Abnormal bearded nursing home headpube

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...id.#32660046)



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Date: April 18th, 2016 9:57 AM
Author: garnet provocative puppy

saving for retirement is flame. just slide and let do

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



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Date: April 18th, 2016 10:04 AM
Author: red private investor

cr

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



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Date: September 29th, 2016 10:24 AM
Author: Coral multi-colored round eye factory reset button

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

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



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Date: September 29th, 2016 10:03 AM
Author: Pale hospital giraffe



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



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Date: September 29th, 2016 1:21 PM
Author: Henna area

How do they get 10% retune every year

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



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Date: September 29th, 2016 2:04 PM
Author: Contagious slippery rehab

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...id.#31521755)



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Date: September 29th, 2016 2:12 PM
Author: Clear spectacular property

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...id.#31521840)



Reply Favorite

Date: September 29th, 2016 4:48 PM
Author: Contagious slippery rehab



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



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Date: February 20th, 2017 8:11 AM
Author: Shimmering frisky juggernaut

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...id.#32660068)



Reply Favorite

Date: July 8th, 2017 9:32 AM
Author: Shimmering frisky juggernaut



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



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Date: July 8th, 2017 9:40 AM
Author: topaz address

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

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



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Date: July 8th, 2017 9:46 AM
Author: insanely creepy son of senegal base

COMPOUND INT--*nuke melts face*

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



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Date: July 8th, 2017 9:50 AM
Author: Violet unholy old irish cottage

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...id.#33727671)



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Date: July 8th, 2017 9:52 AM
Author: insanely creepy son of senegal base

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...id.#33727675)



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Date: July 8th, 2017 9:54 AM
Author: Violet unholy old irish cottage

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...id.#33727681)



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Date: July 8th, 2017 10:16 AM
Author: Stimulating bisexual den prole

(Not a rental property owner)

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



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Date: July 9th, 2017 11:14 AM
Author: dead piazza

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...id.#33734178)



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Date: July 8th, 2017 10:05 AM
Author: Shimmering frisky juggernaut

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

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



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Date: July 8th, 2017 10:06 AM
Author: Violet unholy old irish cottage

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...id.#33727719)



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Date: July 8th, 2017 12:06 PM
Author: Concupiscible bonkers step-uncle's house

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

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



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Date: July 8th, 2017 12:13 PM
Author: 180 school cafeteria

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...id.#33728056)



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Date: July 8th, 2017 12:28 PM
Author: Coral multi-colored round eye factory reset button



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



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Date: July 8th, 2017 12:30 PM
Author: Concupiscible bonkers step-uncle's house

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...id.#33728113)



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Date: July 8th, 2017 12:32 PM
Author: marvelous grizzly antidepressant drug

data entry

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



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Date: July 8th, 2017 12:46 PM
Author: Concupiscible bonkers step-uncle's house

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...id.#33728151)



Reply Favorite

Date: July 8th, 2017 1:03 PM
Author: marvelous grizzly antidepressant drug

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...id.#33728219)



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Date: July 8th, 2017 1:04 PM
Author: Coral multi-colored round eye factory reset button

CR

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



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Date: July 8th, 2017 12:32 PM
Author: Coral multi-colored round eye factory reset button

Admin assistant

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



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Date: July 8th, 2017 12:45 PM
Author: Concupiscible bonkers step-uncle's house

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...id.#33728148)



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Date: July 8th, 2017 12:57 PM
Author: Coral multi-colored round eye factory reset button

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...id.#33728193)



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Date: July 8th, 2017 1:26 PM
Author: jade beady-eyed toilet seat idea he suggested

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...id.#33728308)



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Date: July 9th, 2017 11:10 AM
Author: Wonderful green masturbator

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

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



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Date: July 8th, 2017 12:45 PM
Author: trip roast beef

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...id.#33728150)



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Date: July 8th, 2017 1:27 PM
Author: jade beady-eyed toilet seat idea he suggested

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...id.#33728311)



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Date: July 9th, 2017 11:21 AM
Author: aqua abode patrolman

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...id.#33734215)



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Date: August 22nd, 2017 7:26 PM
Author: fuchsia frozen state



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



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Date: August 23rd, 2017 11:19 AM
Author: twisted canary garrison

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...id.#34051890)



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Date: September 15th, 2023 11:28 AM
Author: Pale hospital giraffe



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



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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...id.#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...id.#49814655)



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



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