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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...
insane cruise ship stock car
  02/07/14
(Dave Ramsey)
Titillating coral pozpig
  12/10/14
Germany bull
Heady mad-dog skullcap
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
thirsty concupiscible crotch mexican
  02/07/14
...
Salmon zombie-like center philosopher-king
  02/08/14
yep
chestnut big-titted fanboi giraffe
  02/07/14
what is the apr on this
Drunken pisswyrm
  02/07/14
12% lol.
motley walnut stag film
  02/07/14
fucking boomers
iridescent bawdyhouse kitty
  02/07/14
...
may his bones be crushed
  04/13/26
...
insane cruise ship stock car
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
curious violent field
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
exciting temple faggot firefighter
  02/07/14
180
curious violent field
  02/07/14
...
ivory lodge old irish cottage
  02/08/14
...
Opaque Cracking Space Wrinkle
  02/13/15
...
Electric genital piercing
  04/18/16
...
curious violent field
  02/20/17
...
chocolate cruel-hearted parlour liquid oxygen
  02/20/17
...
Electric genital piercing
  07/08/17
...
insane cruise ship stock car
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
curious violent field
  02/07/14
...
insane cruise ship stock car
  02/07/14
(guy who recently watched The Secret)
curious violent field
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
curious violent field
  02/07/14
(Boomer in 2006 buying third investment property)
curious violent field
  02/07/14
this will not occur over the next 40 years
cowardly frisky indian lodge windowlicker
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
aggressive native
  02/07/14
...
insane cruise ship stock car
  02/07/14
Compare the demographics, foreign competition, and regulator...
cowardly frisky indian lodge windowlicker
  12/10/14
...
cowardly frisky indian lodge windowlicker
  04/18/16
A true genius
cowardly frisky indian lodge windowlicker
  09/29/16
...
Provocative market black woman
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
cowardly frisky indian lodge windowlicker
  04/18/16
Just do assume 12% returns for 45 years
exhilarant jap
  02/07/14
...
insane cruise ship stock car
  02/07/14
CR incredibly retarded
cowardly frisky indian lodge windowlicker
  02/07/14
It doesn't change regardless of rate.
aggressive native
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
cowardly frisky indian lodge windowlicker
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
twinkling fiercely-loyal psychic
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
razzle haunting church building organic girlfriend
  02/07/14
...
insane cruise ship stock car
  02/07/14
this will not be the case for the next 50 years
cowardly frisky indian lodge windowlicker
  02/07/14
(Suze Orman after a few too many glasses of wine)
Soggy misanthropic masturbator
  02/07/14
lol'd
Lascivious Circlehead
  04/18/16
haha
charismatic aqua school
  09/29/16
...
curious violent field
  02/20/17
...
aggressive native
  02/20/17
...
violent trip school cafeteria mediation
  02/20/17
...
crimson incel den
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
Jet-lagged Effete Indirect Expression Pocket Flask
  02/07/14
...
insane cruise ship stock car
  02/07/14
Not if returns were negative when/in the years immediately f...
Jet-lagged Effete Indirect Expression Pocket Flask
  02/07/14
...
insane cruise ship stock car
  02/07/14
? All the hypo supposes is that you start investing in yo...
Jet-lagged Effete Indirect Expression Pocket Flask
  02/07/14
...
insane cruise ship stock car
  02/07/14
YOUR personal rate of return is different from the market's ...
Jet-lagged Effete Indirect Expression Pocket Flask
  02/07/14
...
insane cruise ship stock car
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
Jet-lagged Effete Indirect Expression Pocket Flask
  02/07/14
...
insane cruise ship stock car
  02/07/14
you realize that to obtain the returns you stated above, one...
exciting temple faggot firefighter
  02/07/14
...
insane cruise ship stock car
  02/07/14
jfc why does she write shit like this
clear crusty wagecucks reading party
  07/09/17
This is true for everything ever.
odious flatulent area
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
motley walnut stag film
  02/07/14
U r 36? LOLOL
thirsty concupiscible crotch mexican
  02/07/14
34 but I put more money than $2000 per year in there.
motley walnut stag film
  02/07/14
Damen. How does it feel to be literally half done with life?
thirsty concupiscible crotch mexican
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
motley walnut stag film
  02/07/14
Goal retirement age??
thirsty concupiscible crotch mexican
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
motley walnut stag film
  02/07/14
Any family pressure to get married??
thirsty concupiscible crotch mexican
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
motley walnut stag film
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
Excitant tanning salon factory reset button
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
tantric frum step-uncle's house french chef
  02/07/14
...
insane cruise ship stock car
  02/07/14
Doctors are done here
thirsty concupiscible crotch mexican
  02/07/14
...
cream stage bbw
  02/13/15
...
brilliant therapy alpha
  02/20/17
...
orchid bipolar becky messiness
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
motley walnut stag film
  02/07/14
What were u doing at 22?
thirsty concupiscible crotch mexican
  02/07/14
crappy consulting firm do municipal bond analysis.
motley walnut stag film
  02/07/14
you should've gone into finance, instead. you'd have a milli...
Jet-lagged Effete Indirect Expression Pocket Flask
  02/07/14
I was too lazy in college, but yeah would have been a good i...
motley walnut stag film
  02/07/14
$38k was a decent starting salary in 1995...?
Soul-stirring house goyim
  02/08/14
my gf doesn't even have a credit card. she's 24
Crystalline internal respiration principal's office
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
Garnet Box Office
  02/07/14
...
insane cruise ship stock car
  02/07/14
yes arthur is fucked, ben pwns him
Garnet Box Office
  02/07/14
Twist: Arthur was swimming in student loan debt
curious violent field
  02/07/14
...
unholy elite dog poop nursing home
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
Racy grizzly boiling water
  02/07/14
...
contagious brunch
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
Hairraiser Rough-skinned Deer Antler
  02/07/14
True, the idea that investing early is a good idea sure didn...
Racy grizzly boiling water
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
Shivering Autistic Telephone Partner
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
Shivering Autistic Telephone Partner
  07/08/17
Right. The person who started investing earlier is still in ...
at-the-ready fishy codepig
  07/09/17
I think the more interesting hypo is a guy who starts invest...
fear-inspiring impressive menage
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
contagious brunch
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
Yellow coiffed clown skinny woman
  02/07/14
I still think it's more credited to maintain liquidity and i...
Light sick shitlib round eye
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
motley walnut stag film
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
Racy grizzly boiling water
  02/07/14
(cgm)
razzmatazz gas station
  02/07/14
What does this look like if you assume 6% returns?
dark mind-boggling point ratface
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
Domesticated set friendly grandma
  02/08/14
...
insane cruise ship stock car
  02/17/14
not really. my parents had very little just 20 years ago...
wild cobalt office
  02/08/14
...
insane cruise ship stock car
  02/10/14
...
Swollen corner
  07/08/17
So your telling me that if I make a lot of money ill do well...
boyish parlor
  12/10/14
...
insane cruise ship stock car
  05/14/14
...
insane cruise ship stock car
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
Honey-headed resort
  12/10/14
...
insane cruise ship stock car
  12/10/14
...
insane cruise ship stock car
  02/13/15
this is retarded. for most of us, that would have meant soc...
jade famous landscape painting
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
cream stage bbw
  02/13/15
...
insane cruise ship stock car
  02/13/15
we're in a bubble right now, so all of those figures are bul...
jade famous landscape painting
  02/13/15
...
insane cruise ship stock car
  02/13/15
A year later after bitching in this thread, I have fucking $...
motley walnut stag film
  02/13/15
...
insane cruise ship stock car
  02/13/15
What has your APR been?
Multi-colored trust fund
  02/13/15
how much money did you have in cash on the sidelines from th...
judgmental locus
  02/13/15
...
insane cruise ship stock car
  12/29/15
...
insane cruise ship stock car
  04/18/16
I remember a teacher showing us this kind of chart back arou...
Vengeful juggernaut mental disorder
  04/18/16
wise move
Sadistic Theater Turdskin
  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.
twisted purple pistol
  04/18/16
...
insane cruise ship stock car
  04/18/16
This is false and assumes one continues working a cookie-cut...
wild cobalt office
  04/18/16
just do >10% growth every year. worked for bernie madoff
Pungent bossy double fault piazza
  04/18/16
This bort is retarded.
aggressive native
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
vigorous shrine
  04/18/16
...
insane cruise ship stock car
  04/18/16
you pointed it out above several times, and each time you go...
vigorous shrine
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
Beady-eyed mother
  04/18/16
The real reason this chart is dumb is because of inflation. ...
Histrionic Travel Guidebook
  04/18/16
...
insane cruise ship stock car
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
Histrionic Travel Guidebook
  04/18/16
...
insane cruise ship stock car
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
Sienna Institution Ladyboy
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
bright startled station
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
Lime talented sex offender
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
shaky self-centered twinkling uncleanness degenerate
  02/20/17
I agree generally that returns will be lower. But if you ask...
Lime talented sex offender
  02/20/17
saving for retirement is flame. just slide and let do
Underhanded National Gay Wizard
  04/18/16
cr
vigorous shrine
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
orchid bipolar becky messiness
  09/29/16
...
insane cruise ship stock car
  09/29/16
How do they get 10% retune every year
Arrogant Whorehouse Feces
  09/29/16
noob investor question, but isn't this idea kind of self per...
Territorial brindle toilet seat meetinghouse
  09/29/16
Student loan interest exceeds most investment returns so tha...
Honey-headed resort
  09/29/16
...
Territorial brindle toilet seat meetinghouse
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
white senate
  02/20/17
...
white senate
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
Razzle-dazzle lay knife
  07/08/17
COMPOUND INT--*nuke melts face*
Pea-brained primrose halford
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
translucent sanctuary
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
Pea-brained primrose halford
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
translucent sanctuary
  07/08/17
(Not a rental property owner)
cowardly frisky indian lodge windowlicker
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
at-the-ready fishy codepig
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
white senate
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
translucent sanctuary
  07/08/17
now show me the table for $300K at 8% in student loans
Free-loading queen of the night
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
copper boltzmann
  07/08/17
...
orchid bipolar becky messiness
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
Free-loading queen of the night
  07/08/17
data entry
Swollen corner
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
Free-loading queen of the night
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
Swollen corner
  07/08/17
CR
orchid bipolar becky messiness
  07/08/17
Admin assistant
orchid bipolar becky messiness
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
Free-loading queen of the night
  07/08/17
According to the chart all you need to invest is like 2k a y...
orchid bipolar becky messiness
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
Deep new version
  07/08/17
things barzini knew and did that you did not for $200, alex
unholy elite dog poop nursing home
  07/09/17
I think a much more sure bet is Social Security taxes being ...
French casino quadroon
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
Deep new version
  07/08/17
Investment compounding is the single biggest scam the inve...
Domesticated set friendly grandma
  07/09/17
...
Sinister hall hairy legs
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
crimson incel den
  08/23/17
...
insane cruise ship stock car
  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: insane cruise ship stock car

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: Titillating coral pozpig

(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: Heady mad-dog skullcap
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: thirsty concupiscible crotch mexican

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: Salmon zombie-like center philosopher-king



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: chestnut big-titted fanboi giraffe

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: Drunken pisswyrm

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: motley walnut stag film

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: iridescent bawdyhouse kitty

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: insane cruise ship stock car



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: curious violent field

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: exciting temple faggot firefighter

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: curious violent field

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: ivory lodge old irish cottage



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: Opaque Cracking Space Wrinkle



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: Electric genital piercing



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: curious violent field



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: chocolate cruel-hearted parlour liquid oxygen



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: Electric genital piercing



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: insane cruise ship stock car



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



Reply Favorite

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

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: insane cruise ship stock car



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: curious violent field

(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: curious violent field

(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: curious violent field

(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: cowardly frisky indian lodge windowlicker

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: aggressive native

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: insane cruise ship stock car



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: cowardly frisky indian lodge windowlicker

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: cowardly frisky indian lodge windowlicker



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



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Date: September 29th, 2016 1:18 PM
Author: cowardly frisky indian lodge windowlicker

A true genius

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



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Date: April 18th, 2016 7:41 AM
Author: Provocative market black woman



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



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Date: April 18th, 2016 9:11 AM
Author: cowardly frisky indian lodge windowlicker

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)



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Date: February 7th, 2014 3:23 PM
Author: exhilarant jap

Just do assume 12% returns for 45 years

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



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Date: February 7th, 2014 3:29 PM
Author: insane cruise ship stock car



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



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Date: February 7th, 2014 3:54 PM
Author: cowardly frisky indian lodge windowlicker

CR incredibly retarded

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



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Date: April 18th, 2016 8:57 AM
Author: aggressive native

It doesn't change regardless of rate.

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



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Date: April 18th, 2016 9:13 AM
Author: cowardly frisky indian lodge windowlicker

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

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



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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)



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Date: February 20th, 2017 9:25 AM
Author: twinkling fiercely-loyal psychic

(finance genius)

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



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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)



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Date: February 7th, 2014 3:23 PM
Author: razzle haunting church building organic girlfriend

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)



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Date: February 7th, 2014 3:29 PM
Author: insane cruise ship stock car



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



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Date: February 7th, 2014 3:58 PM
Author: cowardly frisky indian lodge windowlicker

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)



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Date: February 7th, 2014 3:23 PM
Author: Soggy misanthropic masturbator

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

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



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Date: April 18th, 2016 9:35 AM
Author: Lascivious Circlehead

lol'd

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



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Date: September 29th, 2016 10:24 AM
Author: charismatic aqua school

haha

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



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Date: February 20th, 2017 1:49 AM
Author: curious violent field



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



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Date: February 20th, 2017 8:38 AM
Author: aggressive native



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



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Date: February 20th, 2017 8:40 AM
Author: violent trip school cafeteria mediation



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



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Date: August 23rd, 2017 11:22 AM
Author: crimson incel den



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



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Date: February 7th, 2014 3:23 PM
Author: Jet-lagged Effete Indirect Expression Pocket Flask

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)



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Date: February 7th, 2014 3:30 PM
Author: insane cruise ship stock car



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



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Date: February 7th, 2014 3:33 PM
Author: Jet-lagged Effete Indirect Expression Pocket Flask

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)



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Date: February 7th, 2014 3:36 PM
Author: insane cruise ship stock car



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



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Date: February 7th, 2014 3:40 PM
Author: Jet-lagged Effete Indirect Expression Pocket Flask

?

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)



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Date: February 7th, 2014 3:43 PM
Author: insane cruise ship stock car



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



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Date: February 7th, 2014 3:47 PM
Author: Jet-lagged Effete Indirect Expression Pocket Flask

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)



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Date: February 7th, 2014 3:49 PM
Author: insane cruise ship stock car



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



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Date: February 7th, 2014 4:13 PM
Author: Jet-lagged Effete Indirect Expression Pocket Flask

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: insane cruise ship stock car



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



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Date: February 7th, 2014 4:35 PM
Author: exciting temple faggot firefighter

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)



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Date: February 7th, 2014 4:41 PM
Author: insane cruise ship stock car



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



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Date: July 9th, 2017 11:26 AM
Author: clear crusty wagecucks reading party

jfc why does she write shit like this

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



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Date: September 29th, 2016 2:14 PM
Author: odious flatulent area

This is true for everything ever.

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



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Date: February 7th, 2014 3:25 PM
Author: motley walnut stag film

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)



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Date: February 7th, 2014 3:30 PM
Author: thirsty concupiscible crotch mexican

U r 36? LOLOL

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



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Date: February 7th, 2014 3:31 PM
Author: motley walnut stag film

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)



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Date: February 7th, 2014 3:36 PM
Author: thirsty concupiscible crotch mexican

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)



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Date: February 7th, 2014 3:39 PM
Author: motley walnut stag film

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)



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Date: February 7th, 2014 3:40 PM
Author: thirsty concupiscible crotch mexican

Goal retirement age??

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



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Date: February 7th, 2014 3:43 PM
Author: motley walnut stag film

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)



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Date: February 7th, 2014 3:45 PM
Author: thirsty concupiscible crotch mexican

Any family pressure to get married??

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



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Date: February 7th, 2014 3:46 PM
Author: motley walnut stag film

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)



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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)



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Date: February 7th, 2014 3:32 PM
Author: Excitant tanning salon factory reset button

(39-year-old, MAF troll)

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



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Date: February 7th, 2014 3:38 PM
Author: tantric frum step-uncle's house french chef

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)



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Date: February 7th, 2014 3:39 PM
Author: insane cruise ship stock car



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



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Date: February 7th, 2014 3:43 PM
Author: thirsty concupiscible crotch mexican

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: cream stage bbw



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



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Date: February 20th, 2017 8:41 AM
Author: brilliant therapy alpha



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



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Date: July 8th, 2017 12:26 PM
Author: orchid bipolar becky messiness



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



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Date: February 7th, 2014 3:45 PM
Author: motley walnut stag film

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: thirsty concupiscible crotch mexican

What were u doing at 22?

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



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Date: February 7th, 2014 3:54 PM
Author: motley walnut stag film

crappy consulting firm do municipal bond analysis.

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



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Date: February 7th, 2014 3:58 PM
Author: Jet-lagged Effete Indirect Expression Pocket Flask

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)



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Date: February 7th, 2014 3:59 PM
Author: motley walnut stag film

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)



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Date: February 8th, 2014 10:36 AM
Author: Soul-stirring house goyim

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

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



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Date: April 18th, 2016 9:49 AM
Author: Crystalline internal respiration principal's office

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)



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Date: February 7th, 2014 3:48 PM
Author: Garnet Box Office

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)



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Date: February 7th, 2014 3:50 PM
Author: insane cruise ship stock car



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



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Date: February 7th, 2014 3:57 PM
Author: Garnet Box Office

yes arthur is fucked, ben pwns him

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



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Date: February 7th, 2014 3:51 PM
Author: curious violent field

Twist: Arthur was swimming in student loan debt

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



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Date: February 13th, 2015 5:46 PM
Author: unholy elite dog poop nursing home



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



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Date: February 7th, 2014 4:01 PM
Author: Racy grizzly boiling water

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)



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Date: February 8th, 2014 8:23 PM
Author: contagious brunch



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



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Date: February 7th, 2014 4:08 PM
Author: Hairraiser Rough-skinned Deer Antler

*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: Racy grizzly boiling water

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)



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Date: September 29th, 2016 1:14 PM
Author: Shivering Autistic Telephone Partner

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)



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Date: July 8th, 2017 10:02 AM
Author: Shivering Autistic Telephone Partner

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: at-the-ready fishy codepig

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)



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Date: February 7th, 2014 4:10 PM
Author: fear-inspiring impressive menage

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: contagious brunch

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: Yellow coiffed clown skinny woman

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: Light sick shitlib round eye

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: motley walnut stag film

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: Racy grizzly boiling water

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: razzmatazz gas station

(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 mind-boggling point ratface

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: Domesticated set friendly grandma

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: insane cruise ship stock car



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



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Date: February 8th, 2014 11:02 AM
Author: wild cobalt office

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: insane cruise ship stock car



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: Swollen corner



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



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Date: December 10th, 2014 5:07 PM
Author: boyish parlor

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: insane cruise ship stock car



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: insane cruise ship stock car



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: Honey-headed resort

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: insane cruise ship stock car



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: insane cruise ship stock car



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: jade famous landscape painting

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: cream stage bbw

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: insane cruise ship stock car



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: jade famous landscape painting

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: insane cruise ship stock car



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: motley walnut stag film

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)



Reply Favorite

Date: February 13th, 2015 5:52 PM
Author: insane cruise ship stock car



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



Reply Favorite

Date: February 13th, 2015 5:53 PM
Author: Multi-colored trust fund

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: judgmental locus

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: insane cruise ship stock car



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



Reply Favorite

Date: April 18th, 2016 7:18 AM
Author: insane cruise ship stock car



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



Reply Favorite

Date: April 18th, 2016 7:47 AM
Author: Vengeful juggernaut mental disorder

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)



Reply Favorite

Date: April 18th, 2016 8:17 AM
Author: Sadistic Theater Turdskin

wise move

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



Reply Favorite

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

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

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



Reply Favorite

Date: April 18th, 2016 7:49 AM
Author: twisted purple pistol

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

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



Reply Favorite

Date: April 18th, 2016 9:40 AM
Author: insane cruise ship stock car



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



Reply Favorite

Date: April 18th, 2016 7:50 AM
Author: wild cobalt office

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)



Reply Favorite

Date: April 18th, 2016 8:51 AM
Author: Pungent bossy double fault piazza

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

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



Reply Favorite

Date: April 18th, 2016 8:57 AM
Author: aggressive native

This bort is retarded.

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



Reply Favorite

Date: April 18th, 2016 9:04 AM
Author: vigorous shrine

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)



Reply Favorite

Date: April 18th, 2016 9:41 AM
Author: insane cruise ship stock car



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



Reply Favorite

Date: April 18th, 2016 10:04 AM
Author: vigorous shrine

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)



Reply Favorite

Date: April 18th, 2016 9:20 AM
Author: Beady-eyed mother

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)



Reply Favorite

Date: April 18th, 2016 9:20 AM
Author: Histrionic Travel Guidebook

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: insane cruise ship stock car



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



Reply Favorite

Date: April 18th, 2016 9:50 AM
Author: Histrionic Travel Guidebook

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: insane cruise ship stock car



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



Reply Favorite

Date: July 8th, 2017 11:01 AM
Author: Sienna Institution Ladyboy

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)



Reply Favorite

Date: September 15th, 2023 11:41 AM
Author: bright startled station

*assumes 3% inflation*

*fade in cannibal holocaust theme*

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



Reply Favorite

Date: April 18th, 2016 9:24 AM
Author: Lime talented sex offender

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)



Reply Favorite

Date: February 20th, 2017 3:10 AM
Author: shaky self-centered twinkling uncleanness degenerate

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)



Reply Favorite

Date: February 20th, 2017 7:57 AM
Author: Lime talented sex offender

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)



Reply Favorite

Date: April 18th, 2016 9:57 AM
Author: Underhanded National Gay Wizard

saving for retirement is flame. just slide and let do

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



Reply Favorite

Date: April 18th, 2016 10:04 AM
Author: vigorous shrine

cr

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



Reply Favorite

Date: September 29th, 2016 10:24 AM
Author: orchid bipolar becky messiness

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

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



Reply Favorite

Date: September 29th, 2016 10:03 AM
Author: insane cruise ship stock car



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



Reply Favorite

Date: September 29th, 2016 1:21 PM
Author: Arrogant Whorehouse Feces

How do they get 10% retune every year

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



Reply Favorite

Date: September 29th, 2016 2:04 PM
Author: Territorial brindle toilet seat meetinghouse

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)



Reply Favorite

Date: September 29th, 2016 2:12 PM
Author: Honey-headed resort

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: Territorial brindle toilet seat meetinghouse



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



Reply Favorite

Date: February 20th, 2017 8:11 AM
Author: white senate

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: white senate



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



Reply Favorite

Date: July 8th, 2017 9:40 AM
Author: Razzle-dazzle lay knife

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)



Reply Favorite

Date: July 8th, 2017 9:46 AM
Author: Pea-brained primrose halford

COMPOUND INT--*nuke melts face*

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



Reply Favorite

Date: July 8th, 2017 9:50 AM
Author: translucent sanctuary

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)



Reply Favorite

Date: July 8th, 2017 9:52 AM
Author: Pea-brained primrose halford

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)



Reply Favorite

Date: July 8th, 2017 9:54 AM
Author: translucent sanctuary

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)



Reply Favorite

Date: July 8th, 2017 10:16 AM
Author: cowardly frisky indian lodge windowlicker

(Not a rental property owner)

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



Reply Favorite

Date: July 9th, 2017 11:14 AM
Author: at-the-ready fishy codepig

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)



Reply Favorite

Date: July 8th, 2017 10:05 AM
Author: white senate

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)



Reply Favorite

Date: July 8th, 2017 10:06 AM
Author: translucent sanctuary

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)



Reply Favorite

Date: July 8th, 2017 12:06 PM
Author: Free-loading queen of the night

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)



Reply Favorite

Date: July 8th, 2017 12:13 PM
Author: copper boltzmann

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)



Reply Favorite

Date: July 8th, 2017 12:28 PM
Author: orchid bipolar becky messiness



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



Reply Favorite

Date: July 8th, 2017 12:30 PM
Author: Free-loading queen of the night

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)



Reply Favorite

Date: July 8th, 2017 12:32 PM
Author: Swollen corner

data entry

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



Reply Favorite

Date: July 8th, 2017 12:46 PM
Author: Free-loading queen of the night

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: Swollen corner

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)



Reply Favorite

Date: July 8th, 2017 1:04 PM
Author: orchid bipolar becky messiness

CR

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



Reply Favorite

Date: July 8th, 2017 12:32 PM
Author: orchid bipolar becky messiness

Admin assistant

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



Reply Favorite

Date: July 8th, 2017 12:45 PM
Author: Free-loading queen of the night

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)



Reply Favorite

Date: July 8th, 2017 12:57 PM
Author: orchid bipolar becky messiness

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)



Reply Favorite

Date: July 8th, 2017 1:26 PM
Author: Deep new version

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)



Reply Favorite

Date: July 9th, 2017 11:10 AM
Author: unholy elite dog poop nursing home

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)



Reply Favorite

Date: July 8th, 2017 12:45 PM
Author: French casino quadroon

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)



Reply Favorite

Date: July 8th, 2017 1:27 PM
Author: Deep new version

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)



Reply Favorite

Date: July 9th, 2017 11:21 AM
Author: Domesticated set friendly grandma

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)



Reply Favorite

Date: August 22nd, 2017 7:26 PM
Author: Sinister hall hairy legs



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



Reply Favorite

Date: August 23rd, 2017 11:19 AM
Author: crimson incel den

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)



Reply Favorite

Date: September 15th, 2023 11:28 AM
Author: insane cruise ship stock car



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



Reply Favorite

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

how’d we all do?

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



Reply Favorite

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

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

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



Reply Favorite

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



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