\
  The most prestigious law school admissions discussion board in the world.
BackRefresh Options Favorite

You're FUCKED if you don't save $ in your early 20s. Here's why

https://i.pinimg.com/736x/2e/d6/5d/2ed65d34dbac86519947d298d...
Sick plum headpube ticket booth
  02/07/14
(Dave Ramsey)
Shimmering Splenetic Stag Film Background Story
  12/10/14
Germany bull
lavender zombie-like den
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
Fishy Theater Foreskin
  02/07/14
...
Smoky Rehab
  02/08/14
yep
Boyish Glassy Location
  02/07/14
what is the apr on this
Glittery field
  02/07/14
12% lol.
claret hairraiser ladyboy abode
  02/07/14
fucking boomers
motley site
  02/07/14
...
may his bones be crushed
  04/13/26
...
Sick plum headpube ticket booth
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
Razzle brunch knife
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
odious stubborn temple jap
  02/07/14
180
Razzle brunch knife
  02/07/14
...
Buff bat-shit-crazy hairy legs karate
  02/08/14
...
Cheese-eating dilemma turdskin
  02/13/15
...
Indigo frum factory reset button
  04/18/16
...
Razzle brunch knife
  02/20/17
...
flushed chapel
  02/20/17
...
Indigo frum factory reset button
  07/08/17
...
Sick plum headpube ticket booth
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
Razzle brunch knife
  02/07/14
...
Sick plum headpube ticket booth
  02/07/14
(guy who recently watched The Secret)
Razzle brunch knife
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
Razzle brunch knife
  02/07/14
(Boomer in 2006 buying third investment property)
Razzle brunch knife
  02/07/14
this will not occur over the next 40 years
vivacious coldplay fan
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
aggressive filthpig boistinker
  02/07/14
...
Sick plum headpube ticket booth
  02/07/14
Compare the demographics, foreign competition, and regulator...
vivacious coldplay fan
  12/10/14
...
vivacious coldplay fan
  04/18/16
A true genius
vivacious coldplay fan
  09/29/16
...
Marvelous main people lettuce
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
vivacious coldplay fan
  04/18/16
Just do assume 12% returns for 45 years
amber laughsome pisswyrm
  02/07/14
...
Sick plum headpube ticket booth
  02/07/14
CR incredibly retarded
vivacious coldplay fan
  02/07/14
It doesn't change regardless of rate.
aggressive filthpig boistinker
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
vivacious coldplay fan
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
supple pontificating locus mother
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
Infuriating Talented Heaven
  02/07/14
...
Sick plum headpube ticket booth
  02/07/14
this will not be the case for the next 50 years
vivacious coldplay fan
  02/07/14
(Suze Orman after a few too many glasses of wine)
Flirting slippery people who are hurt potus
  02/07/14
lol'd
chocolate love of her life
  04/18/16
haha
elite maize space messiness
  09/29/16
...
Razzle brunch knife
  02/20/17
...
aggressive filthpig boistinker
  02/20/17
...
Poppy seedy casino giraffe
  02/20/17
...
saffron mind-boggling library
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
180 blathering newt preventive strike
  02/07/14
...
Sick plum headpube ticket booth
  02/07/14
Not if returns were negative when/in the years immediately f...
180 blathering newt preventive strike
  02/07/14
...
Sick plum headpube ticket booth
  02/07/14
? All the hypo supposes is that you start investing in yo...
180 blathering newt preventive strike
  02/07/14
...
Sick plum headpube ticket booth
  02/07/14
YOUR personal rate of return is different from the market's ...
180 blathering newt preventive strike
  02/07/14
...
Sick plum headpube ticket booth
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
180 blathering newt preventive strike
  02/07/14
...
Sick plum headpube ticket booth
  02/07/14
you realize that to obtain the returns you stated above, one...
odious stubborn temple jap
  02/07/14
...
Sick plum headpube ticket booth
  02/07/14
jfc why does she write shit like this
dashing jade piazza idiot
  07/09/17
This is true for everything ever.
Blue fragrant native
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
claret hairraiser ladyboy abode
  02/07/14
U r 36? LOLOL
Fishy Theater Foreskin
  02/07/14
34 but I put more money than $2000 per year in there.
claret hairraiser ladyboy abode
  02/07/14
Damen. How does it feel to be literally half done with life?
Fishy Theater Foreskin
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
claret hairraiser ladyboy abode
  02/07/14
Goal retirement age??
Fishy Theater Foreskin
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
claret hairraiser ladyboy abode
  02/07/14
Any family pressure to get married??
Fishy Theater Foreskin
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
claret hairraiser ladyboy abode
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
nofapping hall voyeur
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
snowy community account tanning salon
  02/07/14
...
Sick plum headpube ticket booth
  02/07/14
Doctors are done here
Fishy Theater Foreskin
  02/07/14
...
Curious Duck-like Principal's Office Coffee Pot
  02/13/15
...
impressive striped hyena
  02/20/17
...
abusive appetizing volcanic crater
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
claret hairraiser ladyboy abode
  02/07/14
What were u doing at 22?
Fishy Theater Foreskin
  02/07/14
crappy consulting firm do municipal bond analysis.
claret hairraiser ladyboy abode
  02/07/14
you should've gone into finance, instead. you'd have a milli...
180 blathering newt preventive strike
  02/07/14
I was too lazy in college, but yeah would have been a good i...
claret hairraiser ladyboy abode
  02/07/14
$38k was a decent starting salary in 1995...?
Abnormal beady-eyed nursing home
  02/08/14
my gf doesn't even have a credit card. she's 24
crystalline dysfunction
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
honey-headed electric address gaping
  02/07/14
...
Sick plum headpube ticket booth
  02/07/14
yes arthur is fucked, ben pwns him
honey-headed electric address gaping
  02/07/14
Twist: Arthur was swimming in student loan debt
Razzle brunch knife
  02/07/14
...
stirring liquid oxygen digit ratio
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
Pale Kitty Spot
  02/07/14
...
provocative weed whacker cuckoldry
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
autistic hot really tough guy
  02/07/14
True, the idea that investing early is a good idea sure didn...
Pale Kitty Spot
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
clear electric furnace kitchen
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
clear electric furnace kitchen
  07/08/17
Right. The person who started investing earlier is still in ...
dark trump supporter
  07/09/17
I think the more interesting hypo is a guy who starts invest...
Vigorous Legend
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
provocative weed whacker cuckoldry
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
wonderful mad-dog skullcap university
  02/07/14
I still think it's more credited to maintain liquidity and i...
balding goal in life church building
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
claret hairraiser ladyboy abode
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
Pale Kitty Spot
  02/07/14
(cgm)
Tan Wrinkle Base
  02/07/14
What does this look like if you assume 6% returns?
transparent friendly grandma
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
Fear-inspiring Exhilarant Market
  02/08/14
...
Sick plum headpube ticket booth
  02/17/14
not really. my parents had very little just 20 years ago...
Adventurous unhinged range marketing idea
  02/08/14
...
Sick plum headpube ticket booth
  02/10/14
...
Irradiated Forum
  07/08/17
So your telling me that if I make a lot of money ill do well...
Big sinister pocket flask theatre
  12/10/14
...
Sick plum headpube ticket booth
  05/14/14
...
Sick plum headpube ticket booth
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
crawly mischievous fat ankles
  12/10/14
...
Sick plum headpube ticket booth
  12/10/14
...
Sick plum headpube ticket booth
  02/13/15
this is retarded. for most of us, that would have meant soc...
shaky vibrant psychic sweet tailpipe
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
Curious Duck-like Principal's Office Coffee Pot
  02/13/15
...
Sick plum headpube ticket booth
  02/13/15
we're in a bubble right now, so all of those figures are bul...
shaky vibrant psychic sweet tailpipe
  02/13/15
...
Sick plum headpube ticket booth
  02/13/15
A year later after bitching in this thread, I have fucking $...
claret hairraiser ladyboy abode
  02/13/15
...
Sick plum headpube ticket booth
  02/13/15
What has your APR been?
effete olive house
  02/13/15
how much money did you have in cash on the sidelines from th...
Know-it-all Theater Stage
  02/13/15
...
Sick plum headpube ticket booth
  12/29/15
...
Sick plum headpube ticket booth
  04/18/16
I remember a teacher showing us this kind of chart back arou...
hilarious fighting pit dragon
  04/18/16
wise move
Big-titted floppy stead
  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 business firm cumskin
  04/18/16
...
Sick plum headpube ticket booth
  04/18/16
This is false and assumes one continues working a cookie-cut...
Adventurous unhinged range marketing idea
  04/18/16
just do >10% growth every year. worked for bernie madoff
charismatic unholy institution
  04/18/16
This bort is retarded.
aggressive filthpig boistinker
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
Bateful sexy lay goyim
  04/18/16
...
Sick plum headpube ticket booth
  04/18/16
you pointed it out above several times, and each time you go...
Bateful sexy lay goyim
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
Aphrodisiac station
  04/18/16
The real reason this chart is dumb is because of inflation. ...
Mentally impaired fortuitous meteor international law enforcement agency
  04/18/16
...
Sick plum headpube ticket booth
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
Mentally impaired fortuitous meteor international law enforcement agency
  04/18/16
...
Sick plum headpube ticket booth
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
silver crackhouse
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
Dun Reading Party
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
hyperventilating indian lodge
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
amethyst useless parlor kitty cat
  02/20/17
I agree generally that returns will be lower. But if you ask...
hyperventilating indian lodge
  02/20/17
saving for retirement is flame. just slide and let do
Scarlet multi-colored step-uncle's house
  04/18/16
cr
Bateful sexy lay goyim
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
abusive appetizing volcanic crater
  09/29/16
...
Sick plum headpube ticket booth
  09/29/16
How do they get 10% retune every year
coral bull headed death wish
  09/29/16
noob investor question, but isn't this idea kind of self per...
heady menage immigrant
  09/29/16
Student loan interest exceeds most investment returns so tha...
crawly mischievous fat ankles
  09/29/16
...
heady menage immigrant
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
Concupiscible burgundy gay wizard hell
  02/20/17
...
Concupiscible burgundy gay wizard hell
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
thirsty parlour bbw
  07/08/17
COMPOUND INT--*nuke melts face*
Stimulating Mustard School Cafeteria Double Fault
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
flesh box office useless brakes
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
Stimulating Mustard School Cafeteria Double Fault
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
flesh box office useless brakes
  07/08/17
(Not a rental property owner)
vivacious coldplay fan
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
dark trump supporter
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
Concupiscible burgundy gay wizard hell
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
flesh box office useless brakes
  07/08/17
now show me the table for $300K at 8% in student loans
cruel-hearted contagious senate
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
Crusty Rigor
  07/08/17
...
abusive appetizing volcanic crater
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
cruel-hearted contagious senate
  07/08/17
data entry
Irradiated Forum
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
cruel-hearted contagious senate
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
Irradiated Forum
  07/08/17
CR
abusive appetizing volcanic crater
  07/08/17
Admin assistant
abusive appetizing volcanic crater
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
cruel-hearted contagious senate
  07/08/17
According to the chart all you need to invest is like 2k a y...
abusive appetizing volcanic crater
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
histrionic school mexican
  07/08/17
things barzini knew and did that you did not for $200, alex
stirring liquid oxygen digit ratio
  07/09/17
I think a much more sure bet is Social Security taxes being ...
comical arrogant quadroon
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
histrionic school mexican
  07/08/17
Investment compounding is the single biggest scam the inve...
Fear-inspiring Exhilarant Market
  07/09/17
...
Cordovan deep gas station
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
saffron mind-boggling library
  08/23/17
...
Sick plum headpube ticket booth
  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: Sick plum headpube ticket booth

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: Shimmering Splenetic Stag Film Background Story

(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: lavender zombie-like den
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: Fishy Theater Foreskin

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: Smoky Rehab



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: Boyish Glassy Location

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: Glittery field

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: claret hairraiser ladyboy abode

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: motley site

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: Sick plum headpube ticket booth



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Razzle brunch knife

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: odious stubborn temple jap

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: Razzle brunch knife

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: Buff bat-shit-crazy hairy legs karate



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: Cheese-eating dilemma turdskin



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: Indigo frum factory reset button



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: Razzle brunch knife



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: flushed chapel



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: Indigo frum factory reset button



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: Sick plum headpube ticket booth



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Razzle brunch knife

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: Sick plum headpube ticket booth



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Razzle brunch knife

(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: Razzle brunch knife

(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: Razzle brunch knife

(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: vivacious coldplay fan

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 filthpig boistinker

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: Sick plum headpube ticket booth



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: vivacious coldplay fan

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: vivacious coldplay fan



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: vivacious coldplay fan

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: Marvelous main people lettuce



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: vivacious coldplay fan

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: amber laughsome pisswyrm

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: Sick plum headpube ticket booth



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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: vivacious coldplay fan

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: aggressive filthpig boistinker

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: vivacious coldplay fan

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: supple pontificating locus mother

(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: Infuriating Talented Heaven

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: Sick plum headpube ticket booth



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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: vivacious coldplay fan

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: Flirting slippery people who are hurt potus

(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: chocolate love of her life

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: elite maize space messiness

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: Razzle brunch knife



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



Reply Favorite

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



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: Poppy seedy casino giraffe



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: saffron mind-boggling library



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: 180 blathering newt preventive strike

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: Sick plum headpube ticket booth



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: 180 blathering newt preventive strike

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: Sick plum headpube ticket booth



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: 180 blathering newt preventive strike

?

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: Sick plum headpube ticket booth



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: 180 blathering newt preventive strike

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: Sick plum headpube ticket booth



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



Reply Favorite

Date: February 7th, 2014 4:13 PM
Author: 180 blathering newt preventive strike

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: Sick plum headpube ticket booth



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



Reply Favorite

Date: February 7th, 2014 4:35 PM
Author: odious stubborn temple jap

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: Sick plum headpube ticket booth



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



Reply Favorite

Date: July 9th, 2017 11:26 AM
Author: dashing jade piazza idiot

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: Blue fragrant native

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: claret hairraiser ladyboy abode

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: Fishy Theater Foreskin

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: claret hairraiser ladyboy abode

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: Fishy Theater Foreskin

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: claret hairraiser ladyboy abode

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: Fishy Theater Foreskin

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: claret hairraiser ladyboy abode

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: Fishy Theater Foreskin

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: claret hairraiser ladyboy abode

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: nofapping hall voyeur

(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: snowy community account tanning salon

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: Sick plum headpube ticket booth



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Fishy Theater Foreskin

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: Curious Duck-like Principal's Office Coffee Pot



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: impressive striped hyena



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: abusive appetizing volcanic crater



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: claret hairraiser ladyboy abode

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: Fishy Theater Foreskin

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: claret hairraiser ladyboy abode

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: 180 blathering newt preventive strike

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: claret hairraiser ladyboy abode

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: Abnormal beady-eyed nursing home

$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: crystalline dysfunction

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: honey-headed electric address gaping

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: Sick plum headpube ticket booth



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: honey-headed electric address gaping

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: Razzle brunch knife

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: stirring liquid oxygen digit ratio



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



Reply Favorite

Date: February 7th, 2014 4:01 PM
Author: Pale Kitty Spot

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: provocative weed whacker cuckoldry



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



Reply Favorite

Date: February 7th, 2014 4:08 PM
Author: autistic hot really tough guy

*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: Pale Kitty Spot

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: clear electric furnace kitchen

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: clear electric furnace kitchen

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: dark trump supporter

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: Vigorous Legend

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: provocative weed whacker cuckoldry

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: wonderful mad-dog skullcap university

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: balding goal in life church building

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: claret hairraiser ladyboy abode

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: Pale Kitty Spot

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: Tan Wrinkle Base

(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: transparent friendly grandma

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: Fear-inspiring Exhilarant Market

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: Sick plum headpube ticket booth



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: Adventurous unhinged range marketing idea

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: Sick plum headpube ticket booth



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: Irradiated Forum



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: Big sinister pocket flask theatre

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: Sick plum headpube ticket booth



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: Sick plum headpube ticket booth



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: crawly mischievous fat ankles

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: Sick plum headpube ticket booth



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: Sick plum headpube ticket booth



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: shaky vibrant psychic sweet tailpipe

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: Curious Duck-like Principal's Office Coffee Pot

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: Sick plum headpube ticket booth



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: shaky vibrant psychic sweet tailpipe

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: Sick plum headpube ticket booth



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: claret hairraiser ladyboy abode

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: Sick plum headpube ticket booth



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



Reply Favorite

Date: February 13th, 2015 5:53 PM
Author: effete olive house

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: Know-it-all Theater Stage

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: Sick plum headpube ticket booth



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



Reply Favorite

Date: April 18th, 2016 7:18 AM
Author: Sick plum headpube ticket booth



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



Reply Favorite

Date: April 18th, 2016 7:47 AM
Author: hilarious fighting pit dragon

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: Big-titted floppy stead

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: Arousing business firm cumskin

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: Sick plum headpube ticket booth



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



Reply Favorite

Date: April 18th, 2016 7:50 AM
Author: Adventurous unhinged range marketing idea

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: charismatic unholy institution

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 filthpig boistinker

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: Bateful sexy lay goyim

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: Sick plum headpube ticket booth



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



Reply Favorite

Date: April 18th, 2016 10:04 AM
Author: Bateful sexy lay goyim

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: Aphrodisiac station

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: Mentally impaired fortuitous meteor international law enforcement agency

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: Sick plum headpube ticket booth



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



Reply Favorite

Date: April 18th, 2016 9:50 AM
Author: Mentally impaired fortuitous meteor international law enforcement agency

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: Sick plum headpube ticket booth



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



Reply Favorite

Date: July 8th, 2017 11:01 AM
Author: silver crackhouse

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: Dun Reading Party

*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: hyperventilating indian lodge

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: amethyst useless parlor kitty cat

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: hyperventilating indian lodge

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: Scarlet multi-colored step-uncle's house

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: Bateful sexy lay goyim

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: abusive appetizing volcanic crater

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: Sick plum headpube ticket booth



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



Reply Favorite

Date: September 29th, 2016 1:21 PM
Author: coral bull headed death wish

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: heady menage immigrant

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: crawly mischievous fat ankles

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: heady menage immigrant



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



Reply Favorite

Date: February 20th, 2017 8:11 AM
Author: Concupiscible burgundy gay wizard hell

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: Concupiscible burgundy gay wizard hell



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



Reply Favorite

Date: July 8th, 2017 9:40 AM
Author: thirsty parlour bbw

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: Stimulating Mustard School Cafeteria Double Fault

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: flesh box office useless brakes

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: Stimulating Mustard School Cafeteria Double Fault

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: flesh box office useless brakes

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: vivacious coldplay fan

(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: dark trump supporter

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: Concupiscible burgundy gay wizard hell

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: flesh box office useless brakes

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: cruel-hearted contagious senate

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: Crusty Rigor

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: abusive appetizing volcanic crater



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



Reply Favorite

Date: July 8th, 2017 12:30 PM
Author: cruel-hearted contagious senate

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: Irradiated Forum

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: cruel-hearted contagious senate

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: Irradiated Forum

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: abusive appetizing volcanic crater

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: abusive appetizing volcanic crater

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: cruel-hearted contagious senate

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: abusive appetizing volcanic crater

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: histrionic school mexican

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: stirring liquid oxygen digit ratio

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: comical arrogant 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: histrionic school mexican

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: Fear-inspiring Exhilarant Market

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: Cordovan deep gas station



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



Reply Favorite

Date: August 23rd, 2017 11:19 AM
Author: saffron mind-boggling library

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: Sick plum headpube ticket booth



(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)