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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...
Charismatic abnormal area immigrant
  02/07/14
(Dave Ramsey)
pearly curious address
  12/10/14
Germany bull
Vengeful awkward state
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
floppy sepia chapel lettuce
  02/07/14
...
avocado cruise ship dysfunction
  02/08/14
yep
elite harsh cuckoldry
  02/07/14
what is the apr on this
out-of-control concupiscible hunting ground
  02/07/14
12% lol.
laughsome jade lodge kitty
  02/07/14
fucking boomers
Glittery persian
  02/07/14
...
may his bones be crushed
  04/13/26
...
Charismatic abnormal area immigrant
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
histrionic theater stage cuck
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
Naked institution mediation
  02/07/14
180
histrionic theater stage cuck
  02/07/14
...
multi-colored crackhouse puppy
  02/08/14
...
Topaz background story
  02/13/15
...
passionate lilac jewess
  04/18/16
...
histrionic theater stage cuck
  02/20/17
...
Pungent mustard mad-dog skullcap
  02/20/17
...
passionate lilac jewess
  07/08/17
...
Charismatic abnormal area immigrant
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
histrionic theater stage cuck
  02/07/14
...
Charismatic abnormal area immigrant
  02/07/14
(guy who recently watched The Secret)
histrionic theater stage cuck
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
histrionic theater stage cuck
  02/07/14
(Boomer in 2006 buying third investment property)
histrionic theater stage cuck
  02/07/14
this will not occur over the next 40 years
thriller weed whacker
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
Shivering jew
  02/07/14
...
Charismatic abnormal area immigrant
  02/07/14
Compare the demographics, foreign competition, and regulator...
thriller weed whacker
  12/10/14
...
thriller weed whacker
  04/18/16
A true genius
thriller weed whacker
  09/29/16
...
Comical brass azn
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
thriller weed whacker
  04/18/16
Just do assume 12% returns for 45 years
Vigorous cyan death wish
  02/07/14
...
Charismatic abnormal area immigrant
  02/07/14
CR incredibly retarded
thriller weed whacker
  02/07/14
It doesn't change regardless of rate.
Shivering jew
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
thriller weed whacker
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
Erotic international law enforcement agency
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
startled charcoal hell
  02/07/14
...
Charismatic abnormal area immigrant
  02/07/14
this will not be the case for the next 50 years
thriller weed whacker
  02/07/14
(Suze Orman after a few too many glasses of wine)
Opaque nowag
  02/07/14
lol'd
Onyx 180 Forum
  04/18/16
haha
insanely creepy heady friendly grandma place of business
  09/29/16
...
histrionic theater stage cuck
  02/20/17
...
Shivering jew
  02/20/17
...
Stubborn big main people
  02/20/17
...
Electric Trust Fund Wrinkle
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
Flickering buff casino tank
  02/07/14
...
Charismatic abnormal area immigrant
  02/07/14
Not if returns were negative when/in the years immediately f...
Flickering buff casino tank
  02/07/14
...
Charismatic abnormal area immigrant
  02/07/14
? All the hypo supposes is that you start investing in yo...
Flickering buff casino tank
  02/07/14
...
Charismatic abnormal area immigrant
  02/07/14
YOUR personal rate of return is different from the market's ...
Flickering buff casino tank
  02/07/14
...
Charismatic abnormal area immigrant
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
Flickering buff casino tank
  02/07/14
...
Charismatic abnormal area immigrant
  02/07/14
you realize that to obtain the returns you stated above, one...
Naked institution mediation
  02/07/14
...
Charismatic abnormal area immigrant
  02/07/14
jfc why does she write shit like this
maize cracking depressive box office
  07/09/17
This is true for everything ever.
irradiated selfie pisswyrm
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
laughsome jade lodge kitty
  02/07/14
U r 36? LOLOL
floppy sepia chapel lettuce
  02/07/14
34 but I put more money than $2000 per year in there.
laughsome jade lodge kitty
  02/07/14
Damen. How does it feel to be literally half done with life?
floppy sepia chapel lettuce
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
laughsome jade lodge kitty
  02/07/14
Goal retirement age??
floppy sepia chapel lettuce
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
laughsome jade lodge kitty
  02/07/14
Any family pressure to get married??
floppy sepia chapel lettuce
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
laughsome jade lodge kitty
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
vermilion twinkling uncleanness
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
unholy fishy reading party
  02/07/14
...
Charismatic abnormal area immigrant
  02/07/14
Doctors are done here
floppy sepia chapel lettuce
  02/07/14
...
razzmatazz temple prole
  02/13/15
...
Marvelous Spruce Headpube Really Tough Guy
  02/20/17
...
Sinister gay yarmulke chad
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
laughsome jade lodge kitty
  02/07/14
What were u doing at 22?
floppy sepia chapel lettuce
  02/07/14
crappy consulting firm do municipal bond analysis.
laughsome jade lodge kitty
  02/07/14
you should've gone into finance, instead. you'd have a milli...
Flickering buff casino tank
  02/07/14
I was too lazy in college, but yeah would have been a good i...
laughsome jade lodge kitty
  02/07/14
$38k was a decent starting salary in 1995...?
gold crotch
  02/08/14
my gf doesn't even have a credit card. she's 24
aquamarine parlor
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
Rose learning disabled hospital coldplay fan
  02/07/14
...
Charismatic abnormal area immigrant
  02/07/14
yes arthur is fucked, ben pwns him
Rose learning disabled hospital coldplay fan
  02/07/14
Twist: Arthur was swimming in student loan debt
histrionic theater stage cuck
  02/07/14
...
Aphrodisiac love of her life
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
Soul-stirring station
  02/07/14
...
mentally impaired exhilarant indirect expression
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
Balding Church Building
  02/07/14
True, the idea that investing early is a good idea sure didn...
Soul-stirring station
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
Chestnut Maniacal Tattoo Stead
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
Chestnut Maniacal Tattoo Stead
  07/08/17
Right. The person who started investing earlier is still in ...
Stimulating Point Water Buffalo
  07/09/17
I think the more interesting hypo is a guy who starts invest...
razzle-dazzle school
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
mentally impaired exhilarant indirect expression
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
disrespectful kink-friendly son of senegal site
  02/07/14
I still think it's more credited to maintain liquidity and i...
effete national
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
laughsome jade lodge kitty
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
Soul-stirring station
  02/07/14
(cgm)
olive hyperactive hissy fit church
  02/07/14
What does this look like if you assume 6% returns?
Aromatic Nudist Masturbator Milk
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
talking bright quadroon telephone
  02/08/14
...
Charismatic abnormal area immigrant
  02/17/14
not really. my parents had very little just 20 years ago...
Vibrant Shrine Partner
  02/08/14
...
Charismatic abnormal area immigrant
  02/10/14
...
Appetizing nibblets fat ankles
  07/08/17
So your telling me that if I make a lot of money ill do well...
Green personal credit line lay
  12/10/14
...
Charismatic abnormal area immigrant
  05/14/14
...
Charismatic abnormal area immigrant
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
bespoke cheese-eating idiot
  12/10/14
...
Charismatic abnormal area immigrant
  12/10/14
...
Charismatic abnormal area immigrant
  02/13/15
this is retarded. for most of us, that would have meant soc...
lascivious theater
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
razzmatazz temple prole
  02/13/15
...
Charismatic abnormal area immigrant
  02/13/15
we're in a bubble right now, so all of those figures are bul...
lascivious theater
  02/13/15
...
Charismatic abnormal area immigrant
  02/13/15
A year later after bitching in this thread, I have fucking $...
laughsome jade lodge kitty
  02/13/15
...
Charismatic abnormal area immigrant
  02/13/15
What has your APR been?
Fuchsia roast beef fortuitous meteor
  02/13/15
how much money did you have in cash on the sidelines from th...
frisky internet-worthy garrison clown
  02/13/15
...
Charismatic abnormal area immigrant
  12/29/15
...
Charismatic abnormal area immigrant
  04/18/16
I remember a teacher showing us this kind of chart back arou...
Henna orchestra pit halford
  04/18/16
wise move
Splenetic Cordovan Locus Gay Wizard
  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.
exciting indian lodge
  04/18/16
...
Charismatic abnormal area immigrant
  04/18/16
This is false and assumes one continues working a cookie-cut...
Vibrant Shrine Partner
  04/18/16
just do >10% growth every year. worked for bernie madoff
galvanic lime corner
  04/18/16
This bort is retarded.
Shivering jew
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
Mind-boggling unhinged plaza
  04/18/16
...
Charismatic abnormal area immigrant
  04/18/16
you pointed it out above several times, and each time you go...
Mind-boggling unhinged plaza
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
cocky black hominid
  04/18/16
The real reason this chart is dumb is because of inflation. ...
Demanding Gaped Meetinghouse Incel
  04/18/16
...
Charismatic abnormal area immigrant
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
Demanding Gaped Meetinghouse Incel
  04/18/16
...
Charismatic abnormal area immigrant
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
Sapphire Dead Becky
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
Talented Cobalt Heaven
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
Obsidian dashing genital piercing macaca
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
Bearded Deer Antler Organic Girlfriend
  02/20/17
I agree generally that returns will be lower. But if you ask...
Obsidian dashing genital piercing macaca
  02/20/17
saving for retirement is flame. just slide and let do
Cerebral generalized bond
  04/18/16
cr
Mind-boggling unhinged plaza
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
Sinister gay yarmulke chad
  09/29/16
...
Charismatic abnormal area immigrant
  09/29/16
How do they get 10% retune every year
Supple goyim
  09/29/16
noob investor question, but isn't this idea kind of self per...
french knife private investor
  09/29/16
Student loan interest exceeds most investment returns so tha...
bespoke cheese-eating idiot
  09/29/16
...
french knife private investor
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
Clear indecent foreskin tanning salon
  02/20/17
...
Clear indecent foreskin tanning salon
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
Geriatric titillating mood kitchen
  07/08/17
COMPOUND INT--*nuke melts face*
vivacious dog poop
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
adulterous regret candlestick maker
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
vivacious dog poop
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
adulterous regret candlestick maker
  07/08/17
(Not a rental property owner)
thriller weed whacker
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
Stimulating Point Water Buffalo
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
Clear indecent foreskin tanning salon
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
adulterous regret candlestick maker
  07/08/17
now show me the table for $300K at 8% in student loans
Godawful glassy space
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
copper library famous landscape painting
  07/08/17
...
Sinister gay yarmulke chad
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
Godawful glassy space
  07/08/17
data entry
Appetizing nibblets fat ankles
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
Godawful glassy space
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
Appetizing nibblets fat ankles
  07/08/17
CR
Sinister gay yarmulke chad
  07/08/17
Admin assistant
Sinister gay yarmulke chad
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
Godawful glassy space
  07/08/17
According to the chart all you need to invest is like 2k a y...
Sinister gay yarmulke chad
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
ungodly trip step-uncle's house
  07/08/17
things barzini knew and did that you did not for $200, alex
Aphrodisiac love of her life
  07/09/17
I think a much more sure bet is Social Security taxes being ...
Abusive excitant athletic conference
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
ungodly trip step-uncle's house
  07/08/17
Investment compounding is the single biggest scam the inve...
talking bright quadroon telephone
  07/09/17
...
hairraiser base rigpig
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
Electric Trust Fund Wrinkle
  08/23/17
...
Charismatic abnormal area immigrant
  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: Charismatic abnormal area immigrant

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

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



Reply Favorite

Date: December 10th, 2014 4:58 PM
Author: pearly curious address

(Dave Ramsey)

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



Reply Favorite

Date: September 15th, 2023 12:25 PM
Author: Vengeful awkward state
Subject: Germany bull

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

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2E#46800798)



Reply Favorite

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



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: floppy sepia chapel lettuce

Brb transferring money to my roth

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



Reply Favorite

Date: February 8th, 2014 10:44 AM
Author: avocado cruise ship dysfunction



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: elite harsh cuckoldry

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: out-of-control concupiscible hunting ground

what is the apr on this

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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: laughsome jade lodge kitty

12% lol.

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



Reply Favorite

Date: February 7th, 2014 3:25 PM
Author: Glittery persian

fucking boomers

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



Reply Favorite

Date: February 7th, 2014 3:28 PM
Author: Charismatic abnormal area immigrant



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: histrionic theater stage cuck

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=2E#24973943)



Reply Favorite

Date: February 7th, 2014 3:34 PM
Author: Naked institution mediation

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=2E#24973956)



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: histrionic theater stage cuck

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: multi-colored crackhouse puppy



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: Topaz background story



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: passionate lilac jewess



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: histrionic theater stage cuck



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: Pungent mustard mad-dog skullcap



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: passionate lilac jewess



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: Charismatic abnormal area immigrant



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: histrionic theater stage cuck

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=2E#24974015)



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: Charismatic abnormal area immigrant



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: histrionic theater stage cuck

(guy who recently watched The Secret)

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



Reply Favorite

Date: February 7th, 2014 3:56 PM
Author: histrionic theater stage cuck

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

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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: histrionic theater stage cuck

(Boomer in 2006 buying third investment property)

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



Reply Favorite

Date: February 7th, 2014 3:59 PM
Author: thriller weed whacker

this will not occur over the next 40 years

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



Reply Favorite

Date: February 7th, 2014 4:36 PM
Author: Shivering jew

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=2E#24974300)



Reply Favorite

Date: February 7th, 2014 4:40 PM
Author: Charismatic abnormal area immigrant



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: thriller weed whacker

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=2E#26902473)



Reply Favorite

Date: April 18th, 2016 9:12 AM
Author: thriller weed whacker



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: thriller weed whacker

A true genius

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



Reply Favorite

Date: April 18th, 2016 7:41 AM
Author: Comical brass azn



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: thriller weed whacker

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=2E#30296264)



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Vigorous cyan death wish

Just do assume 12% returns for 45 years

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



Reply Favorite

Date: February 7th, 2014 3:29 PM
Author: Charismatic abnormal area immigrant



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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: thriller weed whacker

CR incredibly retarded

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



Reply Favorite

Date: April 18th, 2016 8:57 AM
Author: Shivering jew

It doesn't change regardless of rate.

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



Reply Favorite

Date: April 18th, 2016 9:13 AM
Author: thriller weed whacker

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

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



Reply Favorite

Date: February 20th, 2017 9:25 AM
Author: Erotic international law enforcement agency

(finance genius)

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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: startled charcoal hell

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=2E#24973885)



Reply Favorite

Date: February 7th, 2014 3:29 PM
Author: Charismatic abnormal area immigrant



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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: thriller weed whacker

this will not be the case for the next 50 years



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Opaque nowag

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

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



Reply Favorite

Date: April 18th, 2016 9:35 AM
Author: Onyx 180 Forum

lol'd

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



Reply Favorite

Date: September 29th, 2016 10:24 AM
Author: insanely creepy heady friendly grandma place of business

haha

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



Reply Favorite

Date: February 20th, 2017 1:49 AM
Author: histrionic theater stage cuck



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



Reply Favorite

Date: February 20th, 2017 8:38 AM
Author: Shivering jew



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: Stubborn big main people



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: Electric Trust Fund Wrinkle



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Flickering buff casino tank

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=2E#24973892)



Reply Favorite

Date: February 7th, 2014 3:30 PM
Author: Charismatic abnormal area immigrant



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Flickering buff casino tank

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=2E#24973941)



Reply Favorite

Date: February 7th, 2014 3:36 PM
Author: Charismatic abnormal area immigrant



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: Flickering buff casino tank

?

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=2E#24973993)



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Charismatic abnormal area immigrant



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Flickering buff casino tank

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=2E#24974038)



Reply Favorite

Date: February 7th, 2014 3:49 PM
Author: Charismatic abnormal area immigrant



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



Reply Favorite

Date: February 7th, 2014 4:13 PM
Author: Flickering buff casino tank

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=2E#24974177)



Reply Favorite

Date: February 7th, 2014 4:33 PM
Author: Charismatic abnormal area immigrant



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



Reply Favorite

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

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=2E#24974293)



Reply Favorite

Date: February 7th, 2014 4:41 PM
Author: Charismatic abnormal area immigrant



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



Reply Favorite

Date: July 9th, 2017 11:26 AM
Author: maize cracking depressive box office

jfc why does she write shit like this

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



Reply Favorite

Date: September 29th, 2016 2:14 PM
Author: irradiated selfie pisswyrm

This is true for everything ever.

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



Reply Favorite

Date: February 7th, 2014 3:25 PM
Author: laughsome jade lodge kitty

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=2E#24973900)



Reply Favorite

Date: February 7th, 2014 3:30 PM
Author: floppy sepia chapel lettuce

U r 36? LOLOL

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



Reply Favorite

Date: February 7th, 2014 3:31 PM
Author: laughsome jade lodge kitty

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

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



Reply Favorite

Date: February 7th, 2014 3:36 PM
Author: floppy sepia chapel lettuce

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

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



Reply Favorite

Date: February 7th, 2014 3:39 PM
Author: laughsome jade lodge kitty

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=2E#24973988)



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: floppy sepia chapel lettuce

Goal retirement age??

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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: laughsome jade lodge kitty

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=2E#24974009)



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: floppy sepia chapel lettuce

Any family pressure to get married??

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



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: laughsome jade lodge kitty

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=2E#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=2E#49814674)



Reply Favorite

Date: February 7th, 2014 3:32 PM
Author: vermilion twinkling uncleanness

(39-year-old, MAF troll)

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



Reply Favorite

Date: February 7th, 2014 3:38 PM
Author: unholy fishy reading party

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=2E#24973984)



Reply Favorite

Date: February 7th, 2014 3:39 PM
Author: Charismatic abnormal area immigrant



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: floppy sepia chapel lettuce

Doctors are done here

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



Reply Favorite

Date: February 13th, 2015 5:32 PM
Author: razzmatazz temple prole



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: Marvelous Spruce Headpube Really Tough Guy



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: Sinister gay yarmulke chad



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: laughsome jade lodge kitty

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=2E#24974025)



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: floppy sepia chapel lettuce

What were u doing at 22?

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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: laughsome jade lodge kitty

crappy consulting firm do municipal bond analysis.

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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: Flickering buff casino tank

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=2E#24974087)



Reply Favorite

Date: February 7th, 2014 3:59 PM
Author: laughsome jade lodge kitty

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=2E#24974092)



Reply Favorite

Date: February 8th, 2014 10:36 AM
Author: gold crotch

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

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



Reply Favorite

Date: April 18th, 2016 9:49 AM
Author: aquamarine parlor

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

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



Reply Favorite

Date: February 7th, 2014 3:48 PM
Author: Rose learning disabled hospital coldplay fan

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=2E#24974041)



Reply Favorite

Date: February 7th, 2014 3:50 PM
Author: Charismatic abnormal area immigrant



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: Rose learning disabled hospital coldplay fan

yes arthur is fucked, ben pwns him

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



Reply Favorite

Date: February 7th, 2014 3:51 PM
Author: histrionic theater stage cuck

Twist: Arthur was swimming in student loan debt

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



Reply Favorite

Date: February 13th, 2015 5:46 PM
Author: Aphrodisiac love of her life



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



Reply Favorite

Date: February 7th, 2014 4:01 PM
Author: Soul-stirring station

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=2E#24974098)



Reply Favorite

Date: February 8th, 2014 8:23 PM
Author: mentally impaired exhilarant indirect expression



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



Reply Favorite

Date: February 7th, 2014 4:08 PM
Author: Balding Church Building

*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=2E#24974133)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: Soul-stirring station

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=2E#24974151)



Reply Favorite

Date: September 29th, 2016 1:14 PM
Author: Chestnut Maniacal Tattoo Stead

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=2E#31521424)



Reply Favorite

Date: July 8th, 2017 10:02 AM
Author: Chestnut Maniacal Tattoo Stead

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=2E#33727706)



Reply Favorite

Date: July 9th, 2017 10:45 AM
Author: Stimulating Point Water Buffalo

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=2E#33734072)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: razzle-dazzle school

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=2E#24974146)



Reply Favorite

Date: February 8th, 2014 8:23 PM
Author: mentally impaired exhilarant indirect expression

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=2E#24980361)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: disrespectful kink-friendly son of senegal site

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=2E#24974148)



Reply Favorite

Date: February 7th, 2014 4:11 PM
Author: effete national

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=2E#24974156)



Reply Favorite

Date: February 7th, 2014 4:15 PM
Author: laughsome jade lodge kitty

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=2E#24974195)



Reply Favorite

Date: February 7th, 2014 4:38 PM
Author: Soul-stirring station

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=2E#24974306)



Reply Favorite

Date: February 7th, 2014 4:58 PM
Author: olive hyperactive hissy fit church

(cgm)

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



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: Aromatic Nudist Masturbator Milk

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

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



Reply Favorite

Date: February 8th, 2014 10:51 AM
Author: talking bright quadroon telephone

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=2E#24977600)



Reply Favorite

Date: February 17th, 2014 11:13 AM
Author: Charismatic abnormal area immigrant



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: Vibrant Shrine Partner

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=2E#24977623)



Reply Favorite

Date: February 10th, 2014 2:32 PM
Author: Charismatic abnormal area immigrant



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: Appetizing nibblets fat ankles



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: Green personal credit line lay

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=2E#26902507)



Reply Favorite

Date: May 14th, 2014 9:23 AM
Author: Charismatic abnormal area immigrant



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: Charismatic abnormal area immigrant



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: bespoke cheese-eating idiot

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=2E#26902483)



Reply Favorite

Date: December 10th, 2014 5:10 PM
Author: Charismatic abnormal area immigrant



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: Charismatic abnormal area immigrant



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: lascivious theater

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=2E#27309317)



Reply Favorite

Date: February 13th, 2015 5:35 PM
Author: razzmatazz temple prole

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=2E#27309326)



Reply Favorite

Date: February 13th, 2015 5:36 PM
Author: Charismatic abnormal area immigrant



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: lascivious theater

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=2E#27309354)



Reply Favorite

Date: February 13th, 2015 5:50 PM
Author: Charismatic abnormal area immigrant



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: laughsome jade lodge kitty

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=2E#27309399)



Reply Favorite

Date: February 13th, 2015 5:52 PM
Author: Charismatic abnormal area immigrant



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



Reply Favorite

Date: February 13th, 2015 5:53 PM
Author: Fuchsia roast beef fortuitous meteor

What has your APR been?

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



Reply Favorite

Date: February 13th, 2015 6:18 PM
Author: frisky internet-worthy garrison clown

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=2E#27309632)



Reply Favorite

Date: December 29th, 2015 1:41 PM
Author: Charismatic abnormal area immigrant



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



Reply Favorite

Date: April 18th, 2016 7:18 AM
Author: Charismatic abnormal area immigrant



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



Reply Favorite

Date: April 18th, 2016 7:47 AM
Author: Henna orchestra pit halford

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=2E#30296076)



Reply Favorite

Date: April 18th, 2016 8:17 AM
Author: Splenetic Cordovan Locus Gay Wizard

wise move

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



Reply Favorite

Date: April 18th, 2016 7:49 AM
Author: exciting indian lodge

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

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



Reply Favorite

Date: April 18th, 2016 9:40 AM
Author: Charismatic abnormal area immigrant



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



Reply Favorite

Date: April 18th, 2016 7:50 AM
Author: Vibrant Shrine Partner

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=2E#30296082)



Reply Favorite

Date: April 18th, 2016 8:51 AM
Author: galvanic lime corner

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

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



Reply Favorite

Date: April 18th, 2016 8:57 AM
Author: Shivering jew

This bort is retarded.

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



Reply Favorite

Date: April 18th, 2016 9:04 AM
Author: Mind-boggling unhinged 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=2E#30296237)



Reply Favorite

Date: April 18th, 2016 9:41 AM
Author: Charismatic abnormal area immigrant



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



Reply Favorite

Date: April 18th, 2016 10:04 AM
Author: Mind-boggling unhinged 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=2E#30296421)



Reply Favorite

Date: April 18th, 2016 9:20 AM
Author: cocky black hominid

http://imgur.com/gnMx2MX

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

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



Reply Favorite

Date: April 18th, 2016 9:20 AM
Author: Demanding Gaped Meetinghouse Incel

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=2E#30296293)



Reply Favorite

Date: April 18th, 2016 9:45 AM
Author: Charismatic abnormal area immigrant



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



Reply Favorite

Date: April 18th, 2016 9:50 AM
Author: Demanding Gaped Meetinghouse Incel

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=2E#30296396)



Reply Favorite

Date: April 18th, 2016 10:02 AM
Author: Charismatic abnormal area immigrant



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



Reply Favorite

Date: July 8th, 2017 11:01 AM
Author: Sapphire Dead Becky

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

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



Reply Favorite

Date: September 15th, 2023 11:41 AM
Author: Talented Cobalt Heaven

*assumes 3% inflation*

*fade in cannibal holocaust theme*

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



Reply Favorite

Date: April 18th, 2016 9:24 AM
Author: Obsidian dashing genital piercing macaca

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=2E#30296303)



Reply Favorite

Date: February 20th, 2017 3:10 AM
Author: Bearded Deer Antler Organic Girlfriend

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=2E#32659870)



Reply Favorite

Date: February 20th, 2017 7:57 AM
Author: Obsidian dashing genital piercing macaca

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=2E#32660046)



Reply Favorite

Date: April 18th, 2016 9:57 AM
Author: Cerebral generalized bond

saving for retirement is flame. just slide and let do

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



Reply Favorite

Date: April 18th, 2016 10:04 AM
Author: Mind-boggling unhinged plaza

cr

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



Reply Favorite

Date: September 29th, 2016 10:24 AM
Author: Sinister gay yarmulke chad

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

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



Reply Favorite

Date: September 29th, 2016 10:03 AM
Author: Charismatic abnormal area immigrant



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



Reply Favorite

Date: September 29th, 2016 1:21 PM
Author: Supple goyim

How do they get 10% retune every year

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



Reply Favorite

Date: September 29th, 2016 2:04 PM
Author: french knife private investor

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=2E#31521755)



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Date: September 29th, 2016 2:12 PM
Author: bespoke cheese-eating idiot

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=2E#31521840)



Reply Favorite

Date: September 29th, 2016 4:48 PM
Author: french knife private investor



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



Reply Favorite

Date: February 20th, 2017 8:11 AM
Author: Clear indecent foreskin tanning salon

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=2E#32660068)



Reply Favorite

Date: July 8th, 2017 9:32 AM
Author: Clear indecent foreskin tanning salon



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



Reply Favorite

Date: July 8th, 2017 9:40 AM
Author: Geriatric titillating mood kitchen

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

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



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Date: July 8th, 2017 9:46 AM
Author: vivacious dog poop

COMPOUND INT--*nuke melts face*

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



Reply Favorite

Date: July 8th, 2017 9:50 AM
Author: adulterous regret candlestick maker

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=2E#33727671)



Reply Favorite

Date: July 8th, 2017 9:52 AM
Author: vivacious dog poop

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=2E#33727675)



Reply Favorite

Date: July 8th, 2017 9:54 AM
Author: adulterous regret candlestick maker

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=2E#33727681)



Reply Favorite

Date: July 8th, 2017 10:16 AM
Author: thriller weed whacker

(Not a rental property owner)

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



Reply Favorite

Date: July 9th, 2017 11:14 AM
Author: Stimulating Point Water Buffalo

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=2E#33734178)



Reply Favorite

Date: July 8th, 2017 10:05 AM
Author: Clear indecent foreskin tanning salon

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

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



Reply Favorite

Date: July 8th, 2017 10:06 AM
Author: adulterous regret candlestick maker

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=2E#33727719)



Reply Favorite

Date: July 8th, 2017 12:06 PM
Author: Godawful glassy space

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

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



Reply Favorite

Date: July 8th, 2017 12:13 PM
Author: copper library famous landscape painting

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=2E#33728056)



Reply Favorite

Date: July 8th, 2017 12:28 PM
Author: Sinister gay yarmulke chad



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



Reply Favorite

Date: July 8th, 2017 12:30 PM
Author: Godawful glassy space

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=2E#33728113)



Reply Favorite

Date: July 8th, 2017 12:32 PM
Author: Appetizing nibblets fat ankles

data entry

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



Reply Favorite

Date: July 8th, 2017 12:46 PM
Author: Godawful glassy space

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=2E#33728151)



Reply Favorite

Date: July 8th, 2017 1:03 PM
Author: Appetizing nibblets fat ankles

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=2E#33728219)



Reply Favorite

Date: July 8th, 2017 1:04 PM
Author: Sinister gay yarmulke chad

CR

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



Reply Favorite

Date: July 8th, 2017 12:32 PM
Author: Sinister gay yarmulke chad

Admin assistant

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



Reply Favorite

Date: July 8th, 2017 12:45 PM
Author: Godawful glassy space

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=2E#33728148)



Reply Favorite

Date: July 8th, 2017 12:57 PM
Author: Sinister gay yarmulke chad

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=2E#33728193)



Reply Favorite

Date: July 8th, 2017 1:26 PM
Author: ungodly trip step-uncle's house

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=2E#33728308)



Reply Favorite

Date: July 9th, 2017 11:10 AM
Author: Aphrodisiac love of her life

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

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



Reply Favorite

Date: July 8th, 2017 12:45 PM
Author: Abusive excitant athletic conference

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=2E#33728150)



Reply Favorite

Date: July 8th, 2017 1:27 PM
Author: ungodly trip step-uncle's house

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=2E#33728311)



Reply Favorite

Date: July 9th, 2017 11:21 AM
Author: talking bright quadroon telephone

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=2E#33734215)



Reply Favorite

Date: August 22nd, 2017 7:26 PM
Author: hairraiser base rigpig



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



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Date: August 23rd, 2017 11:19 AM
Author: Electric Trust Fund Wrinkle

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=2E#34051890)



Reply Favorite

Date: September 15th, 2023 11:28 AM
Author: Charismatic abnormal area immigrant



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



Reply Favorite

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



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