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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...
Poppy base chad
  02/07/14
(Dave Ramsey)
glassy area
  12/10/14
Germany bull
big saffron location
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
charcoal soul-stirring knife stag film
  02/07/14
...
titillating crackhouse
  02/08/14
yep
maize well-lubricated turdskin kitchen
  02/07/14
what is the apr on this
Amber therapy cuckold
  02/07/14
12% lol.
mahogany territorial bbw theater
  02/07/14
fucking boomers
twinkling flatulent field dragon
  02/07/14
...
may his bones be crushed
  04/13/26
...
Poppy base chad
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
Exciting Antidepressant Drug Yarmulke
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
sienna forum
  02/07/14
180
Exciting Antidepressant Drug Yarmulke
  02/07/14
...
Fragrant copper property
  02/08/14
...
Demanding market
  02/13/15
...
pontificating idea he suggested
  04/18/16
...
Exciting Antidepressant Drug Yarmulke
  02/20/17
...
blue cocky halford
  02/20/17
...
pontificating idea he suggested
  07/08/17
...
Poppy base chad
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
Exciting Antidepressant Drug Yarmulke
  02/07/14
...
Poppy base chad
  02/07/14
(guy who recently watched The Secret)
Exciting Antidepressant Drug Yarmulke
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
Exciting Antidepressant Drug Yarmulke
  02/07/14
(Boomer in 2006 buying third investment property)
Exciting Antidepressant Drug Yarmulke
  02/07/14
this will not occur over the next 40 years
Pink odious macaca stage
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
cracking alcoholic shrine wagecucks
  02/07/14
...
Poppy base chad
  02/07/14
Compare the demographics, foreign competition, and regulator...
Pink odious macaca stage
  12/10/14
...
Pink odious macaca stage
  04/18/16
A true genius
Pink odious macaca stage
  09/29/16
...
Cyan nubile gunner karate
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Holy shit, I always thought you were a dumb shitlib, but you...
Pink odious macaca stage
  04/18/16
Just do assume 12% returns for 45 years
violent onyx menage
  02/07/14
...
Poppy base chad
  02/07/14
CR incredibly retarded
Pink odious macaca stage
  02/07/14
It doesn't change regardless of rate.
cracking alcoholic shrine wagecucks
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
Pink odious macaca stage
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
light exhilarant psychic senate
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
Fear-inspiring piazza newt
  02/07/14
...
Poppy base chad
  02/07/14
this will not be the case for the next 50 years
Pink odious macaca stage
  02/07/14
(Suze Orman after a few too many glasses of wine)
deep flesh toilet seat stain
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lol'd
multi-colored mad cow disease fortuitous meteor
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haha
brass galvanic sweet tailpipe casino
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...
Exciting Antidepressant Drug Yarmulke
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...
cracking alcoholic shrine wagecucks
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...
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...
Jet hyperventilating legal warrant
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
Drab volcanic crater
  02/07/14
...
Poppy base chad
  02/07/14
Not if returns were negative when/in the years immediately f...
Drab volcanic crater
  02/07/14
...
Poppy base chad
  02/07/14
? All the hypo supposes is that you start investing in yo...
Drab volcanic crater
  02/07/14
...
Poppy base chad
  02/07/14
YOUR personal rate of return is different from the market's ...
Drab volcanic crater
  02/07/14
...
Poppy base chad
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
Drab volcanic crater
  02/07/14
...
Poppy base chad
  02/07/14
you realize that to obtain the returns you stated above, one...
sienna forum
  02/07/14
...
Poppy base chad
  02/07/14
jfc why does she write shit like this
Razzle-dazzle Zippy Hospital
  07/09/17
This is true for everything ever.
obsidian internal respiration box office
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
mahogany territorial bbw theater
  02/07/14
U r 36? LOLOL
charcoal soul-stirring knife stag film
  02/07/14
34 but I put more money than $2000 per year in there.
mahogany territorial bbw theater
  02/07/14
Damen. How does it feel to be literally half done with life?
charcoal soul-stirring knife stag film
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
mahogany territorial bbw theater
  02/07/14
Goal retirement age??
charcoal soul-stirring knife stag film
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
mahogany territorial bbw theater
  02/07/14
Any family pressure to get married??
charcoal soul-stirring knife stag film
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
mahogany territorial bbw theater
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
dashing deer antler
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
spectacular elastic band home
  02/07/14
...
Poppy base chad
  02/07/14
Doctors are done here
charcoal soul-stirring knife stag film
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...
Green Faggot Firefighter Cuckoldry
  02/13/15
...
stimulating trailer park selfie
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...
seedy meetinghouse juggernaut
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
mahogany territorial bbw theater
  02/07/14
What were u doing at 22?
charcoal soul-stirring knife stag film
  02/07/14
crappy consulting firm do municipal bond analysis.
mahogany territorial bbw theater
  02/07/14
you should've gone into finance, instead. you'd have a milli...
Drab volcanic crater
  02/07/14
I was too lazy in college, but yeah would have been a good i...
mahogany territorial bbw theater
  02/07/14
$38k was a decent starting salary in 1995...?
Orchid candlestick maker
  02/08/14
my gf doesn't even have a credit card. she's 24
Appetizing sex offender
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
naked rebellious bawdyhouse background story
  02/07/14
...
Poppy base chad
  02/07/14
yes arthur is fucked, ben pwns him
naked rebellious bawdyhouse background story
  02/07/14
Twist: Arthur was swimming in student loan debt
Exciting Antidepressant Drug Yarmulke
  02/07/14
...
Passionate aqua orchestra pit
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
Translucent talented ticket booth
  02/07/14
...
gay thriller national
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
claret heaven
  02/07/14
True, the idea that investing early is a good idea sure didn...
Translucent talented ticket booth
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
Adventurous Red Toaster Water Buffalo
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
Adventurous Red Toaster Water Buffalo
  07/08/17
Right. The person who started investing earlier is still in ...
smoky bateful goyim
  07/09/17
I think the more interesting hypo is a guy who starts invest...
olive laughsome tanning salon
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
gay thriller national
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Just do graduate in 2006 and invest at the peak of the stock...
Wild Bisexual Reading Party
  02/07/14
I still think it's more credited to maintain liquidity and i...
Wonderful Mischievous Garrison Electric Furnace
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
mahogany territorial bbw theater
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
Translucent talented ticket booth
  02/07/14
(cgm)
hyperactive windowlicker school
  02/07/14
What does this look like if you assume 6% returns?
Comical Church
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
cowardly theatre
  02/08/14
...
Poppy base chad
  02/17/14
not really. my parents had very little just 20 years ago...
startled fat ankles
  02/08/14
...
Poppy base chad
  02/10/14
...
chocolate narrow-minded factory reset button gas station
  07/08/17
So your telling me that if I make a lot of money ill do well...
Bistre bonkers french chef
  12/10/14
...
Poppy base chad
  05/14/14
...
Poppy base chad
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
Opaque Jew
  12/10/14
...
Poppy base chad
  12/10/14
...
Poppy base chad
  02/13/15
this is retarded. for most of us, that would have meant soc...
Citrine resort
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
Green Faggot Firefighter Cuckoldry
  02/13/15
...
Poppy base chad
  02/13/15
we're in a bubble right now, so all of those figures are bul...
Citrine resort
  02/13/15
...
Poppy base chad
  02/13/15
A year later after bitching in this thread, I have fucking $...
mahogany territorial bbw theater
  02/13/15
...
Poppy base chad
  02/13/15
What has your APR been?
Dark yapping double fault address
  02/13/15
how much money did you have in cash on the sidelines from th...
primrose tripping pozpig
  02/13/15
...
Poppy base chad
  12/29/15
...
Poppy base chad
  04/18/16
I remember a teacher showing us this kind of chart back arou...
Sticky Cruise Ship Faggotry
  04/18/16
wise move
Thirsty Charismatic Really Tough Guy
  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.
vigorous nursing home personal credit line
  04/18/16
...
Poppy base chad
  04/18/16
This is false and assumes one continues working a cookie-cut...
startled fat ankles
  04/18/16
just do >10% growth every year. worked for bernie madoff
embarrassed to the bone filthpig
  04/18/16
This bort is retarded.
cracking alcoholic shrine wagecucks
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
Concupiscible chest-beating plaza
  04/18/16
...
Poppy base chad
  04/18/16
you pointed it out above several times, and each time you go...
Concupiscible chest-beating plaza
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
Yellow irradiated boistinker people who are hurt
  04/18/16
The real reason this chart is dumb is because of inflation. ...
Motley locus
  04/18/16
...
Poppy base chad
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
Motley locus
  04/18/16
...
Poppy base chad
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
180 prole stock car
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
Geriatric ivory trust fund
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
Iridescent vibrant partner
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
chrome milk feces
  02/20/17
I agree generally that returns will be lower. But if you ask...
Iridescent vibrant partner
  02/20/17
saving for retirement is flame. just slide and let do
Racy kitty cat
  04/18/16
cr
Concupiscible chest-beating plaza
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
seedy meetinghouse juggernaut
  09/29/16
...
Poppy base chad
  09/29/16
How do they get 10% retune every year
Arousing dog poop
  09/29/16
noob investor question, but isn't this idea kind of self per...
trip school cafeteria
  09/29/16
Student loan interest exceeds most investment returns so tha...
Opaque Jew
  09/29/16
...
trip school cafeteria
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
Idiotic marketing idea
  02/20/17
...
Idiotic marketing idea
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
aphrodisiac site organic girlfriend
  07/08/17
COMPOUND INT--*nuke melts face*
Floppy circlehead
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
dun insecure jap
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
Floppy circlehead
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
dun insecure jap
  07/08/17
(Not a rental property owner)
Pink odious macaca stage
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
smoky bateful goyim
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
Idiotic marketing idea
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
dun insecure jap
  07/08/17
now show me the table for $300K at 8% in student loans
Excitant Purple International Law Enforcement Agency
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
Contagious jewess gay wizard
  07/08/17
...
seedy meetinghouse juggernaut
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
Excitant Purple International Law Enforcement Agency
  07/08/17
data entry
chocolate narrow-minded factory reset button gas station
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
Excitant Purple International Law Enforcement Agency
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
chocolate narrow-minded factory reset button gas station
  07/08/17
CR
seedy meetinghouse juggernaut
  07/08/17
Admin assistant
seedy meetinghouse juggernaut
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
Excitant Purple International Law Enforcement Agency
  07/08/17
According to the chart all you need to invest is like 2k a y...
seedy meetinghouse juggernaut
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
supple know-it-all business firm
  07/08/17
things barzini knew and did that you did not for $200, alex
Passionate aqua orchestra pit
  07/09/17
I think a much more sure bet is Social Security taxes being ...
Overrated coffee pot
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
supple know-it-all business firm
  07/08/17
Investment compounding is the single biggest scam the inve...
cowardly theatre
  07/09/17
...
abnormal chapel useless brakes
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
Jet hyperventilating legal warrant
  08/23/17
...
Poppy base chad
  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: Poppy base chad

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: glassy area

(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: big saffron location
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: charcoal soul-stirring knife stag film

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: titillating crackhouse



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: maize well-lubricated turdskin kitchen

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: Amber therapy cuckold

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: mahogany territorial bbw theater

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: twinkling flatulent field dragon

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: Poppy base chad



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Exciting Antidepressant Drug Yarmulke

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: sienna forum

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: Exciting Antidepressant Drug Yarmulke

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: Fragrant copper property



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: Demanding market



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: pontificating idea he suggested



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: Exciting Antidepressant Drug Yarmulke



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: blue cocky halford



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: pontificating idea he suggested



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: Poppy base chad



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Exciting Antidepressant Drug Yarmulke

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: Poppy base chad



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Exciting Antidepressant Drug Yarmulke

(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: Exciting Antidepressant Drug Yarmulke

(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: Exciting Antidepressant Drug Yarmulke

(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: Pink odious macaca stage

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: cracking alcoholic shrine wagecucks

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: Poppy base chad



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: Pink odious macaca stage

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: Pink odious macaca stage



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: Pink odious macaca stage

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: Cyan nubile gunner karate



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: Pink odious macaca stage

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: violent onyx menage

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: Poppy base chad



(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: Pink odious macaca stage

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: cracking alcoholic shrine wagecucks

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: Pink odious macaca stage

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: light exhilarant psychic senate

(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: Fear-inspiring piazza newt

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: Poppy base chad



(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: Pink odious macaca stage

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: deep flesh toilet seat stain

(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: multi-colored mad cow disease fortuitous meteor

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: brass galvanic sweet tailpipe casino

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: Exciting Antidepressant Drug Yarmulke



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



Reply Favorite

Date: February 20th, 2017 8:38 AM
Author: cracking alcoholic shrine wagecucks



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: balding public bath roast beef



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: Jet hyperventilating legal warrant



(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: Drab volcanic crater

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: Poppy base chad



(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: Drab volcanic crater

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: Poppy base chad



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: Drab volcanic crater

?

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: Poppy base chad



(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: Drab volcanic crater

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: Poppy base chad



(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: Drab volcanic crater

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: Poppy base chad



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



Reply Favorite

Date: February 7th, 2014 4:35 PM
Author: sienna forum

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: Poppy base chad



(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: Razzle-dazzle Zippy Hospital

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: obsidian internal respiration box office

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: mahogany territorial bbw theater

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: charcoal soul-stirring knife stag film

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: mahogany territorial bbw theater

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: charcoal soul-stirring knife stag film

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: mahogany territorial bbw theater

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: charcoal soul-stirring knife stag film

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: mahogany territorial bbw theater

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: charcoal soul-stirring knife stag film

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: mahogany territorial bbw theater

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: dashing deer antler

(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: spectacular elastic band home

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: Poppy base chad



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: charcoal soul-stirring knife stag film

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: Green Faggot Firefighter Cuckoldry



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: stimulating trailer park selfie



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: seedy meetinghouse juggernaut



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: mahogany territorial bbw theater

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: charcoal soul-stirring knife stag film

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: mahogany territorial bbw theater

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: Drab volcanic crater

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: mahogany territorial bbw theater

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: Orchid candlestick maker

$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: Appetizing sex offender

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

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



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Date: February 7th, 2014 3:48 PM
Author: naked rebellious bawdyhouse background story

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: Poppy base chad



(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: naked rebellious bawdyhouse background story

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: Exciting Antidepressant Drug Yarmulke

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: Passionate aqua orchestra pit



(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: Translucent talented ticket booth

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: gay thriller national



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



Reply Favorite

Date: February 7th, 2014 4:08 PM
Author: claret heaven

*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: Translucent talented ticket booth

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: Adventurous Red Toaster Water Buffalo

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: Adventurous Red Toaster Water Buffalo

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: smoky bateful goyim

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: olive laughsome tanning salon

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: gay thriller national

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: Wild Bisexual Reading Party

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: Wonderful Mischievous Garrison Electric Furnace

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: mahogany territorial bbw theater

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: Translucent talented ticket booth

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: hyperactive windowlicker school

(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: Comical Church

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: cowardly theatre

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: Poppy base chad



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: startled fat ankles

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: Poppy base chad



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: chocolate narrow-minded factory reset button gas station



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: Bistre bonkers french chef

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: Poppy base chad



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: Poppy base chad



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: Opaque Jew

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: Poppy base chad



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: Poppy base chad



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: Citrine resort

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: Green Faggot Firefighter Cuckoldry

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: Poppy base chad



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: Citrine resort

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: Poppy base chad



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



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Date: February 13th, 2015 5:44 PM
Author: mahogany territorial bbw theater

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

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



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Date: February 13th, 2015 5:52 PM
Author: Poppy base chad



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



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Date: February 13th, 2015 5:53 PM
Author: Dark yapping double fault address

What has your APR been?

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



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Date: February 13th, 2015 6:18 PM
Author: primrose tripping pozpig

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)



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Date: December 29th, 2015 1:41 PM
Author: Poppy base chad



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



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Date: April 18th, 2016 7:18 AM
Author: Poppy base chad



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



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Date: April 18th, 2016 7:47 AM
Author: Sticky Cruise Ship Faggotry

I remember a teacher showing us this kind of chart back around 1996 and I just ignored it.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id..#30296076)



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Date: April 18th, 2016 8:17 AM
Author: Thirsty Charismatic Really Tough Guy

wise move

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



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

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

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



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Date: April 18th, 2016 7:49 AM
Author: vigorous nursing home personal credit line

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

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



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Date: April 18th, 2016 9:40 AM
Author: Poppy base chad



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



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Date: April 18th, 2016 7:50 AM
Author: startled fat ankles

This is false and assumes one continues working a cookie-cutter job with 3% annual pay-raise their entire working life.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id..#30296082)



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Date: April 18th, 2016 8:51 AM
Author: embarrassed to the bone filthpig

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

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



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Date: April 18th, 2016 8:57 AM
Author: cracking alcoholic shrine wagecucks

This bort is retarded.

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



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Date: April 18th, 2016 9:04 AM
Author: Concupiscible chest-beating plaza

Chart assumes consistently abnormal YOY returns, as pointed out ad nauseum above

There's a reason this "phenomenon" is common knowledge and yet remarkably few people seem to benefit from it to the extent promised.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id..#30296237)



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Date: April 18th, 2016 9:41 AM
Author: Poppy base chad



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



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Date: April 18th, 2016 10:04 AM
Author: Concupiscible chest-beating plaza

you pointed it out above several times, and each time you got subsequently pwned in short order

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id..#30296421)



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Date: April 18th, 2016 9:20 AM
Author: Yellow irradiated boistinker people who are hurt

http://imgur.com/gnMx2MX

Literally did this. So I'm set 4 life?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id..#30296292)



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Date: April 18th, 2016 9:20 AM
Author: Motley locus

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)



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Date: April 18th, 2016 9:45 AM
Author: Poppy base chad



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



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Date: April 18th, 2016 9:50 AM
Author: Motley locus

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)



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Date: April 18th, 2016 10:02 AM
Author: Poppy base chad



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



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Date: July 8th, 2017 11:01 AM
Author: 180 prole stock car

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

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



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Date: September 15th, 2023 11:41 AM
Author: Geriatric ivory trust fund

*assumes 3% inflation*

*fade in cannibal holocaust theme*

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



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Date: April 18th, 2016 9:24 AM
Author: Iridescent vibrant partner

Yea 10 percent is retarded, but the gist of the argument is right. Early investments have a bigger bang for their buck when it's said and done. Invest as much as you can, as early as you can, in a low cost index. Profit (when you are old as fuck).

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id..#30296303)



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Date: February 20th, 2017 3:10 AM
Author: chrome milk feces

no shit but we;'re going to see HISTORICALLY low returns from this pt out, we ARE SO FUCKITY FUCKED

401K = SCAMs

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id..#32659870)



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Date: February 20th, 2017 7:57 AM
Author: Iridescent vibrant partner

I agree generally that returns will be lower. But if you asked me in 08 if we were fucked I'd say yes - and the market has gone crazy since then. I thought trump would lead to a market correction, and yet we have the trump rally.

Don't be a boomer, save your money.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id..#32660046)



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Date: April 18th, 2016 9:57 AM
Author: Racy kitty cat

saving for retirement is flame. just slide and let do

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



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Date: April 18th, 2016 10:04 AM
Author: Concupiscible chest-beating plaza

cr

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



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Date: September 29th, 2016 10:24 AM
Author: seedy meetinghouse juggernaut

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

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



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Date: September 29th, 2016 10:03 AM
Author: Poppy base chad



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



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Date: September 29th, 2016 1:21 PM
Author: Arousing dog poop

How do they get 10% retune every year

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



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Date: September 29th, 2016 2:04 PM
Author: trip school cafeteria

noob investor question, but isn't this idea kind of self perpetuating?

Everyone believes in investing in the S&P 500 via mutual funds and index funds -> the market consistently goes up over time because people are always buying (direct deposit into 401k) -> everyone believe in investing in the market.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id..#31521755)



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Date: September 29th, 2016 2:12 PM
Author: Opaque Jew

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)



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Date: September 29th, 2016 4:48 PM
Author: trip school cafeteria



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



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Date: February 20th, 2017 8:11 AM
Author: Idiotic marketing idea

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)



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Date: July 8th, 2017 9:32 AM
Author: Idiotic marketing idea



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



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Date: July 8th, 2017 9:40 AM
Author: aphrodisiac site organic girlfriend

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

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



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Date: July 8th, 2017 9:46 AM
Author: Floppy circlehead

COMPOUND INT--*nuke melts face*

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



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Date: July 8th, 2017 9:50 AM
Author: dun insecure jap

Lol at everyone wagecucking there lives away for GC to save money they can't touch for 30-40 years and repeating the advice like brainwashed apes

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id..#33727671)



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Date: July 8th, 2017 9:52 AM
Author: Floppy circlehead

I find my rent seeking behavior is paying off better. Just a few homes and I'm making 4K extra every month with rarely having to lift a finger.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id..#33727675)



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Date: July 8th, 2017 9:54 AM
Author: dun insecure jap

20k liquid and 10k+ per month in passive income >>>>>>>>>>>>>>>> GC cucking the best years of your life to build a fraudlies "tax deferred" portfolio and get gaped on taxes at retirement

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id..#33727681)



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Date: July 8th, 2017 10:16 AM
Author: Pink odious macaca stage

(Not a rental property owner)

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



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Date: July 9th, 2017 11:14 AM
Author: smoky bateful goyim

Future is impossible to predict. Best call is to diversify.

I fully fund the Roth IRA each year (future tax advantage), fund the 401k enough to capture the match and then some (current tax advantage) and also have a few rental houses which cash flow decently now and will be paid off by retirement (inflation hedge plus tax advantage for the next couple of decades).

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id..#33734178)



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Date: July 8th, 2017 10:05 AM
Author: Idiotic marketing idea

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

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



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Date: July 8th, 2017 10:06 AM
Author: dun insecure jap

Naw man my 30s have been 180 billion. Still young and free but fuckloads of money instead of broke

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id..#33727719)



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Date: July 8th, 2017 12:06 PM
Author: Excitant Purple International Law Enforcement Agency

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

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



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Date: July 8th, 2017 12:13 PM
Author: Contagious jewess gay wizard

imagine if you lived at home and worked at a 40k a year job from 19-25 or 26. invested it all. then went to college. you'd have it made. no one tells you this

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id..#33728056)



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Date: July 8th, 2017 12:28 PM
Author: seedy meetinghouse juggernaut



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



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Date: July 8th, 2017 12:30 PM
Author: Excitant Purple International Law Enforcement Agency

lol, what $40K per year job do you think a 19 year old with a high school diploma can get?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id..#33728113)



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Date: July 8th, 2017 12:32 PM
Author: chocolate narrow-minded factory reset button gas station

data entry

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



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Date: July 8th, 2017 12:46 PM
Author: Excitant Purple International Law Enforcement Agency

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)



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Date: July 8th, 2017 1:03 PM
Author: chocolate narrow-minded factory reset button gas station

I made about 30k as a bus boy when i was 16 working part time. 40k fulltime gig would be easy to swing.. even if through 2 part time jobs at restaurants etc

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id..#33728219)



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Date: July 8th, 2017 1:04 PM
Author: seedy meetinghouse juggernaut

CR

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



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Date: July 8th, 2017 12:32 PM
Author: seedy meetinghouse juggernaut

Admin assistant

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



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Date: July 8th, 2017 12:45 PM
Author: Excitant Purple International Law Enforcement Agency

lol what? first, no one is going to hire a no-experience 19 year old admin assistant when there are 10 and 20 year veterans applying for the same job. second, those jobs pay like $26K.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id..#33728148)



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Date: July 8th, 2017 12:57 PM
Author: seedy meetinghouse juggernaut

According to the chart all you need to invest is like 2k a year and you're pretty much set for retirement...just get ANY fucking job until age 26

go be a front desk person/work as receptionist

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id..#33728193)



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Date: July 8th, 2017 1:26 PM
Author: supple know-it-all business firm

cr chart is totally what happens IRL just stuff away 10k in stock at 18 = million$$$

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id..#33728308)



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Date: July 9th, 2017 11:10 AM
Author: Passionate aqua orchestra pit

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

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



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Date: July 8th, 2017 12:45 PM
Author: Overrated coffee pot

I think a much more sure bet is Social Security taxes being raised to shore up the program, so I'll just YOLO out and rely on that.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id..#33728150)



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Date: July 8th, 2017 1:27 PM
Author: supple know-it-all business firm

My 3k in savings from govt job at 23 is now worth 5k. Holy fuck I'm gonna be rich!!!!!

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id..#33728311)



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Date: July 9th, 2017 11:21 AM
Author: cowardly theatre

Investment compounding is the single biggest scam the investment/retirement community uses to grab your money.

The Future value investment analysis assumes a guaranteed return with zero draw-down. The overall markets (S%P), and less than 1% of stocks follow the interest rate return curve.

The market curve more closely follows the short-memory timespan which is roughty 10 years for each new generation (87, 00, 09, ...next?)



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id..#33734215)



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Date: August 22nd, 2017 7:26 PM
Author: abnormal chapel useless brakes



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



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Date: August 23rd, 2017 11:19 AM
Author: Jet hyperventilating legal warrant

Just use a 20% return the first 8 years and use 1% return the next 50 years bro.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2...id..#34051890)



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Date: September 15th, 2023 11:28 AM
Author: Poppy base chad



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



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

how’d we all do?

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



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

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

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



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



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