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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...
crusty avocado site
  02/07/14
(Dave Ramsey)
Soul-stirring french stage brethren
  12/10/14
Germany bull
Apoplectic Pistol
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
Poppy Exhilarant Famous Landscape Painting Karate
  02/07/14
...
doobsian comical brunch
  02/08/14
yep
Cocky native
  02/07/14
what is the apr on this
gaped provocative school cafeteria patrolman
  02/07/14
12% lol.
black alcoholic marketing idea box office
  02/07/14
fucking boomers
flushed fat ankles
  02/07/14
...
may his bones be crushed
  04/13/26
...
crusty avocado site
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
Self-centered giraffe travel guidebook
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
Saffron cerebral address antidepressant drug
  02/07/14
180
Self-centered giraffe travel guidebook
  02/07/14
...
Shimmering impertinent bbw center
  02/08/14
...
aphrodisiac narrow-minded resort cumskin
  02/13/15
...
Lascivious office
  04/18/16
...
Self-centered giraffe travel guidebook
  02/20/17
...
Excitant aqua stage
  02/20/17
...
Lascivious office
  07/08/17
...
crusty avocado site
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
Self-centered giraffe travel guidebook
  02/07/14
...
crusty avocado site
  02/07/14
(guy who recently watched The Secret)
Self-centered giraffe travel guidebook
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
Self-centered giraffe travel guidebook
  02/07/14
(Boomer in 2006 buying third investment property)
Self-centered giraffe travel guidebook
  02/07/14
this will not occur over the next 40 years
talented athletic conference
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
Misunderstood hairraiser meetinghouse
  02/07/14
...
crusty avocado site
  02/07/14
Compare the demographics, foreign competition, and regulator...
talented athletic conference
  12/10/14
...
talented athletic conference
  04/18/16
A true genius
talented athletic conference
  09/29/16
...
Vibrant maize trust fund friendly grandma
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
talented athletic conference
  04/18/16
Just do assume 12% returns for 45 years
Mint gaming laptop masturbator
  02/07/14
...
crusty avocado site
  02/07/14
CR incredibly retarded
talented athletic conference
  02/07/14
It doesn't change regardless of rate.
Misunderstood hairraiser meetinghouse
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
talented athletic conference
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
Zippy thriller candlestick maker
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
lime pozpig
  02/07/14
...
crusty avocado site
  02/07/14
this will not be the case for the next 50 years
talented athletic conference
  02/07/14
(Suze Orman after a few too many glasses of wine)
Deranged Pungent Halford Market
  02/07/14
lol'd
copper odious half-breed theater
  04/18/16
haha
sienna charismatic coldplay fan
  09/29/16
...
Self-centered giraffe travel guidebook
  02/20/17
...
Misunderstood hairraiser meetinghouse
  02/20/17
...
Mauve Aromatic Piazza
  02/20/17
...
Light weed whacker place of business
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
abusive knife bawdyhouse
  02/07/14
...
crusty avocado site
  02/07/14
Not if returns were negative when/in the years immediately f...
abusive knife bawdyhouse
  02/07/14
...
crusty avocado site
  02/07/14
? All the hypo supposes is that you start investing in yo...
abusive knife bawdyhouse
  02/07/14
...
crusty avocado site
  02/07/14
YOUR personal rate of return is different from the market's ...
abusive knife bawdyhouse
  02/07/14
...
crusty avocado site
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
abusive knife bawdyhouse
  02/07/14
...
crusty avocado site
  02/07/14
you realize that to obtain the returns you stated above, one...
Saffron cerebral address antidepressant drug
  02/07/14
...
crusty avocado site
  02/07/14
jfc why does she write shit like this
hyperactive genital piercing dilemma
  07/09/17
This is true for everything ever.
Swashbuckling Haunting Orchestra Pit
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
black alcoholic marketing idea box office
  02/07/14
U r 36? LOLOL
Poppy Exhilarant Famous Landscape Painting Karate
  02/07/14
34 but I put more money than $2000 per year in there.
black alcoholic marketing idea box office
  02/07/14
Damen. How does it feel to be literally half done with life?
Poppy Exhilarant Famous Landscape Painting Karate
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
black alcoholic marketing idea box office
  02/07/14
Goal retirement age??
Poppy Exhilarant Famous Landscape Painting Karate
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
black alcoholic marketing idea box office
  02/07/14
Any family pressure to get married??
Poppy Exhilarant Famous Landscape Painting Karate
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
black alcoholic marketing idea box office
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
laughsome menage boistinker
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
Exciting Hall Feces
  02/07/14
...
crusty avocado site
  02/07/14
Doctors are done here
Poppy Exhilarant Famous Landscape Painting Karate
  02/07/14
...
Carmine Filthy Clown
  02/13/15
...
Irradiated point mexican
  02/20/17
...
Glittery locus
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
black alcoholic marketing idea box office
  02/07/14
What were u doing at 22?
Poppy Exhilarant Famous Landscape Painting Karate
  02/07/14
crappy consulting firm do municipal bond analysis.
black alcoholic marketing idea box office
  02/07/14
you should've gone into finance, instead. you'd have a milli...
abusive knife bawdyhouse
  02/07/14
I was too lazy in college, but yeah would have been a good i...
black alcoholic marketing idea box office
  02/07/14
$38k was a decent starting salary in 1995...?
cruel-hearted concupiscible hissy fit volcanic crater
  02/08/14
my gf doesn't even have a credit card. she's 24
Cobalt rehab
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
Unholy lettuce new version
  02/07/14
...
crusty avocado site
  02/07/14
yes arthur is fucked, ben pwns him
Unholy lettuce new version
  02/07/14
Twist: Arthur was swimming in student loan debt
Self-centered giraffe travel guidebook
  02/07/14
...
adventurous whorehouse mother
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
wine bossy public bath
  02/07/14
...
Stirring sound barrier
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
passionate fantasy-prone water buffalo
  02/07/14
True, the idea that investing early is a good idea sure didn...
wine bossy public bath
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
cracking bull headed den
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
cracking bull headed den
  07/08/17
Right. The person who started investing earlier is still in ...
Ocher Wonderful Chapel
  07/09/17
I think the more interesting hypo is a guy who starts invest...
Shaky pit alpha
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
Stirring sound barrier
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
Pearly curious station
  02/07/14
I still think it's more credited to maintain liquidity and i...
180 bronze ratface
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
black alcoholic marketing idea box office
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
wine bossy public bath
  02/07/14
(cgm)
grizzly territorial dog poop
  02/07/14
What does this look like if you assume 6% returns?
Brass contagious persian affirmative action
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
coral bipolar sweet tailpipe
  02/08/14
...
crusty avocado site
  02/17/14
not really. my parents had very little just 20 years ago...
stimulating pale shrine
  02/08/14
...
crusty avocado site
  02/10/14
...
Supple theater stage
  07/08/17
So your telling me that if I make a lot of money ill do well...
Translucent very tactful state
  12/10/14
...
crusty avocado site
  05/14/14
...
crusty avocado site
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
Walnut sexy trump supporter
  12/10/14
...
crusty avocado site
  12/10/14
...
crusty avocado site
  02/13/15
this is retarded. for most of us, that would have meant soc...
Dashing telephone
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
Carmine Filthy Clown
  02/13/15
...
crusty avocado site
  02/13/15
we're in a bubble right now, so all of those figures are bul...
Dashing telephone
  02/13/15
...
crusty avocado site
  02/13/15
A year later after bitching in this thread, I have fucking $...
black alcoholic marketing idea box office
  02/13/15
...
crusty avocado site
  02/13/15
What has your APR been?
white floppy personal credit line faggot firefighter
  02/13/15
how much money did you have in cash on the sidelines from th...
Amethyst high-end depressive
  02/13/15
...
crusty avocado site
  12/29/15
...
crusty avocado site
  04/18/16
I remember a teacher showing us this kind of chart back arou...
boyish honey-headed wrinkle
  04/18/16
wise move
citrine home windowlicker
  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.
Magenta indecent therapy
  04/18/16
...
crusty avocado site
  04/18/16
This is false and assumes one continues working a cookie-cut...
stimulating pale shrine
  04/18/16
just do >10% growth every year. worked for bernie madoff
burgundy hell
  04/18/16
This bort is retarded.
Misunderstood hairraiser meetinghouse
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
well-lubricated multi-colored trailer park digit ratio
  04/18/16
...
crusty avocado site
  04/18/16
you pointed it out above several times, and each time you go...
well-lubricated multi-colored trailer park digit ratio
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
Harsh Juggernaut
  04/18/16
The real reason this chart is dumb is because of inflation. ...
bistre slippery forum sandwich
  04/18/16
...
crusty avocado site
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
bistre slippery forum sandwich
  04/18/16
...
crusty avocado site
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
Fragrant codepig nursing home
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
Snowy toilet seat business firm
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
talking base love of her life
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
cyan spectacular range jewess
  02/20/17
I agree generally that returns will be lower. But if you ask...
talking base love of her life
  02/20/17
saving for retirement is flame. just slide and let do
Motley canary stag film
  04/18/16
cr
well-lubricated multi-colored trailer park digit ratio
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
Glittery locus
  09/29/16
...
crusty avocado site
  09/29/16
How do they get 10% retune every year
scarlet stock car
  09/29/16
noob investor question, but isn't this idea kind of self per...
Mentally impaired beady-eyed library mood
  09/29/16
Student loan interest exceeds most investment returns so tha...
Walnut sexy trump supporter
  09/29/16
...
Mentally impaired beady-eyed library mood
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
vivacious crystalline puppy
  02/20/17
...
vivacious crystalline puppy
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
internet-worthy umber church building haunted graveyard
  07/08/17
COMPOUND INT--*nuke melts face*
bateful cuckold newt
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
embarrassed to the bone jet-lagged plaza black woman
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
bateful cuckold newt
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
embarrassed to the bone jet-lagged plaza black woman
  07/08/17
(Not a rental property owner)
talented athletic conference
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
Ocher Wonderful Chapel
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
vivacious crystalline puppy
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
embarrassed to the bone jet-lagged plaza black woman
  07/08/17
now show me the table for $300K at 8% in student loans
Bright Potus
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
slate ladyboy
  07/08/17
...
Glittery locus
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
Bright Potus
  07/08/17
data entry
Supple theater stage
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
Bright Potus
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
Supple theater stage
  07/08/17
CR
Glittery locus
  07/08/17
Admin assistant
Glittery locus
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
Bright Potus
  07/08/17
According to the chart all you need to invest is like 2k a y...
Glittery locus
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
impressive maroon heaven background story
  07/08/17
things barzini knew and did that you did not for $200, alex
adventurous whorehouse mother
  07/09/17
I think a much more sure bet is Social Security taxes being ...
vigorous dull senate
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
impressive maroon heaven background story
  07/08/17
Investment compounding is the single biggest scam the inve...
coral bipolar sweet tailpipe
  07/09/17
...
Green offensive indirect expression deer antler
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
Light weed whacker place of business
  08/23/17
...
crusty avocado site
  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: crusty avocado site

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

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



Reply Favorite

Date: December 10th, 2014 4:58 PM
Author: Soul-stirring french stage brethren

(Dave Ramsey)

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



Reply Favorite

Date: September 15th, 2023 12:25 PM
Author: Apoplectic Pistol
Subject: Germany bull

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

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



Reply Favorite

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



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: Poppy Exhilarant Famous Landscape Painting Karate

Brb transferring money to my roth

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



Reply Favorite

Date: February 8th, 2014 10:44 AM
Author: doobsian comical brunch



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: Cocky native

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: gaped provocative school cafeteria patrolman

what is the apr on this

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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: black alcoholic marketing idea box office

12% lol.

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



Reply Favorite

Date: February 7th, 2014 3:25 PM
Author: flushed fat ankles

fucking boomers

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



Reply Favorite

Date: February 7th, 2014 3:28 PM
Author: crusty avocado site



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Self-centered giraffe travel guidebook

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=2Reputation#24973943)



Reply Favorite

Date: February 7th, 2014 3:34 PM
Author: Saffron cerebral address antidepressant drug

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=2Reputation#24973956)



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: Self-centered giraffe travel guidebook

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: Shimmering impertinent bbw center



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: aphrodisiac narrow-minded resort cumskin



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: Lascivious office



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: Self-centered giraffe travel guidebook



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: Excitant aqua stage



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: Lascivious office



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: crusty avocado site



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Self-centered giraffe travel guidebook

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=2Reputation#24974015)



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: crusty avocado site



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Self-centered giraffe travel guidebook

(guy who recently watched The Secret)

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



Reply Favorite

Date: February 7th, 2014 3:56 PM
Author: Self-centered giraffe travel guidebook

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

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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: Self-centered giraffe travel guidebook

(Boomer in 2006 buying third investment property)

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



Reply Favorite

Date: February 7th, 2014 3:59 PM
Author: talented athletic conference

this will not occur over the next 40 years

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



Reply Favorite

Date: February 7th, 2014 4:36 PM
Author: Misunderstood hairraiser meetinghouse

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=2Reputation#24974300)



Reply Favorite

Date: February 7th, 2014 4:40 PM
Author: crusty avocado site



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: talented athletic conference

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=2Reputation#26902473)



Reply Favorite

Date: April 18th, 2016 9:12 AM
Author: talented athletic conference



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: talented athletic conference

A true genius

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



Reply Favorite

Date: April 18th, 2016 7:41 AM
Author: Vibrant maize trust fund friendly grandma



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: talented athletic conference

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=2Reputation#30296264)



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Mint gaming laptop masturbator

Just do assume 12% returns for 45 years

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



Reply Favorite

Date: February 7th, 2014 3:29 PM
Author: crusty avocado site



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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: talented athletic conference

CR incredibly retarded

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



Reply Favorite

Date: April 18th, 2016 8:57 AM
Author: Misunderstood hairraiser meetinghouse

It doesn't change regardless of rate.

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



Reply Favorite

Date: April 18th, 2016 9:13 AM
Author: talented athletic conference

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

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



Reply Favorite

Date: February 20th, 2017 9:25 AM
Author: Zippy thriller candlestick maker

(finance genius)

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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: lime pozpig

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=2Reputation#24973885)



Reply Favorite

Date: February 7th, 2014 3:29 PM
Author: crusty avocado site



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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: talented athletic conference

this will not be the case for the next 50 years



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Deranged Pungent Halford Market

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

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



Reply Favorite

Date: April 18th, 2016 9:35 AM
Author: copper odious half-breed theater

lol'd

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



Reply Favorite

Date: September 29th, 2016 10:24 AM
Author: sienna charismatic coldplay fan

haha

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



Reply Favorite

Date: February 20th, 2017 1:49 AM
Author: Self-centered giraffe travel guidebook



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



Reply Favorite

Date: February 20th, 2017 8:38 AM
Author: Misunderstood hairraiser meetinghouse



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: Mauve Aromatic Piazza



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: Light weed whacker place of business



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: abusive knife bawdyhouse

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=2Reputation#24973892)



Reply Favorite

Date: February 7th, 2014 3:30 PM
Author: crusty avocado site



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: abusive knife bawdyhouse

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=2Reputation#24973941)



Reply Favorite

Date: February 7th, 2014 3:36 PM
Author: crusty avocado site



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: abusive knife bawdyhouse

?

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=2Reputation#24973993)



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: crusty avocado site



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: abusive knife bawdyhouse

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=2Reputation#24974038)



Reply Favorite

Date: February 7th, 2014 3:49 PM
Author: crusty avocado site



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



Reply Favorite

Date: February 7th, 2014 4:13 PM
Author: abusive knife bawdyhouse

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=2Reputation#24974177)



Reply Favorite

Date: February 7th, 2014 4:33 PM
Author: crusty avocado site



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



Reply Favorite

Date: February 7th, 2014 4:35 PM
Author: Saffron cerebral address antidepressant drug

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=2Reputation#24974293)



Reply Favorite

Date: February 7th, 2014 4:41 PM
Author: crusty avocado site



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



Reply Favorite

Date: July 9th, 2017 11:26 AM
Author: hyperactive genital piercing dilemma

jfc why does she write shit like this

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



Reply Favorite

Date: September 29th, 2016 2:14 PM
Author: Swashbuckling Haunting Orchestra Pit

This is true for everything ever.

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



Reply Favorite

Date: February 7th, 2014 3:25 PM
Author: black alcoholic marketing idea box office

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=2Reputation#24973900)



Reply Favorite

Date: February 7th, 2014 3:30 PM
Author: Poppy Exhilarant Famous Landscape Painting Karate

U r 36? LOLOL

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



Reply Favorite

Date: February 7th, 2014 3:31 PM
Author: black alcoholic marketing idea box office

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

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



Reply Favorite

Date: February 7th, 2014 3:36 PM
Author: Poppy Exhilarant Famous Landscape Painting Karate

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

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



Reply Favorite

Date: February 7th, 2014 3:39 PM
Author: black alcoholic marketing idea box office

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=2Reputation#24973988)



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: Poppy Exhilarant Famous Landscape Painting Karate

Goal retirement age??

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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: black alcoholic marketing idea box office

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=2Reputation#24974009)



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: Poppy Exhilarant Famous Landscape Painting Karate

Any family pressure to get married??

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



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: black alcoholic marketing idea box office

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=2Reputation#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=2Reputation#49814674)



Reply Favorite

Date: February 7th, 2014 3:32 PM
Author: laughsome menage boistinker

(39-year-old, MAF troll)

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



Reply Favorite

Date: February 7th, 2014 3:38 PM
Author: Exciting Hall Feces

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=2Reputation#24973984)



Reply Favorite

Date: February 7th, 2014 3:39 PM
Author: crusty avocado site



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Poppy Exhilarant Famous Landscape Painting Karate

Doctors are done here

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



Reply Favorite

Date: February 13th, 2015 5:32 PM
Author: Carmine Filthy Clown



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: Irradiated point mexican



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: Glittery locus



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: black alcoholic marketing idea box office

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=2Reputation#24974025)



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: Poppy Exhilarant Famous Landscape Painting Karate

What were u doing at 22?

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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: black alcoholic marketing idea box office

crappy consulting firm do municipal bond analysis.

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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: abusive knife bawdyhouse

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=2Reputation#24974087)



Reply Favorite

Date: February 7th, 2014 3:59 PM
Author: black alcoholic marketing idea box office

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=2Reputation#24974092)



Reply Favorite

Date: February 8th, 2014 10:36 AM
Author: cruel-hearted concupiscible hissy fit volcanic crater

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

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



Reply Favorite

Date: April 18th, 2016 9:49 AM
Author: Cobalt rehab

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

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



Reply Favorite

Date: February 7th, 2014 3:48 PM
Author: Unholy lettuce new version

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=2Reputation#24974041)



Reply Favorite

Date: February 7th, 2014 3:50 PM
Author: crusty avocado site



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: Unholy lettuce new version

yes arthur is fucked, ben pwns him

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



Reply Favorite

Date: February 7th, 2014 3:51 PM
Author: Self-centered giraffe travel guidebook

Twist: Arthur was swimming in student loan debt

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



Reply Favorite

Date: February 13th, 2015 5:46 PM
Author: adventurous whorehouse mother



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



Reply Favorite

Date: February 7th, 2014 4:01 PM
Author: wine bossy public bath

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=2Reputation#24974098)



Reply Favorite

Date: February 8th, 2014 8:23 PM
Author: Stirring sound barrier



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



Reply Favorite

Date: February 7th, 2014 4:08 PM
Author: passionate fantasy-prone water buffalo

*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=2Reputation#24974133)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: wine bossy public bath

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=2Reputation#24974151)



Reply Favorite

Date: September 29th, 2016 1:14 PM
Author: cracking bull headed den

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=2Reputation#31521424)



Reply Favorite

Date: July 8th, 2017 10:02 AM
Author: cracking bull headed den

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=2Reputation#33727706)



Reply Favorite

Date: July 9th, 2017 10:45 AM
Author: Ocher Wonderful Chapel

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=2Reputation#33734072)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: Shaky pit alpha

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=2Reputation#24974146)



Reply Favorite

Date: February 8th, 2014 8:23 PM
Author: Stirring sound barrier

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=2Reputation#24980361)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: Pearly curious station

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=2Reputation#24974148)



Reply Favorite

Date: February 7th, 2014 4:11 PM
Author: 180 bronze ratface

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=2Reputation#24974156)



Reply Favorite

Date: February 7th, 2014 4:15 PM
Author: black alcoholic marketing idea box office

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=2Reputation#24974195)



Reply Favorite

Date: February 7th, 2014 4:38 PM
Author: wine bossy public bath

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=2Reputation#24974306)



Reply Favorite

Date: February 7th, 2014 4:58 PM
Author: grizzly territorial dog poop

(cgm)

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



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: Brass contagious persian affirmative action

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

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



Reply Favorite

Date: February 8th, 2014 10:51 AM
Author: coral bipolar sweet tailpipe

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=2Reputation#24977600)



Reply Favorite

Date: February 17th, 2014 11:13 AM
Author: crusty avocado site



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: stimulating pale shrine

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=2Reputation#24977623)



Reply Favorite

Date: February 10th, 2014 2:32 PM
Author: crusty avocado site



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: Supple theater stage



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: Translucent very tactful state

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=2Reputation#26902507)



Reply Favorite

Date: May 14th, 2014 9:23 AM
Author: crusty avocado site



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: crusty avocado site



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: Walnut sexy trump supporter

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=2Reputation#26902483)



Reply Favorite

Date: December 10th, 2014 5:10 PM
Author: crusty avocado site



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: crusty avocado site



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: Dashing telephone

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=2Reputation#27309317)



Reply Favorite

Date: February 13th, 2015 5:35 PM
Author: Carmine Filthy Clown

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=2Reputation#27309326)



Reply Favorite

Date: February 13th, 2015 5:36 PM
Author: crusty avocado site



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: Dashing telephone

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=2Reputation#27309354)



Reply Favorite

Date: February 13th, 2015 5:50 PM
Author: crusty avocado site



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: black alcoholic marketing idea box office

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=2Reputation#27309399)



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Date: February 13th, 2015 5:52 PM
Author: crusty avocado site



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



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Date: February 13th, 2015 5:53 PM
Author: white floppy personal credit line faggot firefighter

What has your APR been?

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



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Date: February 13th, 2015 6:18 PM
Author: Amethyst high-end depressive

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=2Reputation#27309632)



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Date: December 29th, 2015 1:41 PM
Author: crusty avocado site



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



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Date: April 18th, 2016 7:18 AM
Author: crusty avocado site



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



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Date: April 18th, 2016 7:47 AM
Author: boyish honey-headed wrinkle

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=2Reputation#30296076)



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Date: April 18th, 2016 8:17 AM
Author: citrine home windowlicker

wise move

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



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Date: April 18th, 2016 7:49 AM
Author: Magenta indecent therapy

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

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



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Date: April 18th, 2016 9:40 AM
Author: crusty avocado site



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



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Date: April 18th, 2016 7:50 AM
Author: stimulating pale shrine

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=2Reputation#30296082)



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Date: April 18th, 2016 8:51 AM
Author: burgundy hell

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

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



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Date: April 18th, 2016 8:57 AM
Author: Misunderstood hairraiser meetinghouse

This bort is retarded.

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



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Date: April 18th, 2016 9:04 AM
Author: well-lubricated multi-colored trailer park digit ratio

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=2Reputation#30296237)



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Date: April 18th, 2016 9:41 AM
Author: crusty avocado site



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



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Date: April 18th, 2016 10:04 AM
Author: well-lubricated multi-colored trailer park digit ratio

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=2Reputation#30296421)



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Date: April 18th, 2016 9:20 AM
Author: Harsh Juggernaut

http://imgur.com/gnMx2MX

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

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



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Date: April 18th, 2016 9:20 AM
Author: bistre slippery forum sandwich

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=2Reputation#30296293)



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Date: April 18th, 2016 9:45 AM
Author: crusty avocado site



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



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Date: April 18th, 2016 9:50 AM
Author: bistre slippery forum sandwich

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=2Reputation#30296396)



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Date: April 18th, 2016 10:02 AM
Author: crusty avocado site



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



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Date: July 8th, 2017 11:01 AM
Author: Fragrant codepig nursing home

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

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



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Date: September 15th, 2023 11:41 AM
Author: Snowy toilet seat business firm

*assumes 3% inflation*

*fade in cannibal holocaust theme*

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



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Date: April 18th, 2016 9:24 AM
Author: talking base love of her life

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=2Reputation#30296303)



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Date: February 20th, 2017 3:10 AM
Author: cyan spectacular range jewess

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=2Reputation#32659870)



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Date: February 20th, 2017 7:57 AM
Author: talking base love of her life

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=2Reputation#32660046)



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Date: April 18th, 2016 9:57 AM
Author: Motley canary stag film

saving for retirement is flame. just slide and let do

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



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Date: April 18th, 2016 10:04 AM
Author: well-lubricated multi-colored trailer park digit ratio

cr

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



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Date: September 29th, 2016 10:24 AM
Author: Glittery locus

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

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



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Date: September 29th, 2016 10:03 AM
Author: crusty avocado site



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



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Date: September 29th, 2016 1:21 PM
Author: scarlet stock car

How do they get 10% retune every year

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



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Date: September 29th, 2016 2:04 PM
Author: Mentally impaired beady-eyed library mood

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=2Reputation#31521755)



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Date: September 29th, 2016 2:12 PM
Author: Walnut sexy trump supporter

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=2Reputation#31521840)



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Date: September 29th, 2016 4:48 PM
Author: Mentally impaired beady-eyed library mood



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



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Date: February 20th, 2017 8:11 AM
Author: vivacious crystalline puppy

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=2Reputation#32660068)



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Date: July 8th, 2017 9:32 AM
Author: vivacious crystalline puppy



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



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Date: July 8th, 2017 9:40 AM
Author: internet-worthy umber church building haunted graveyard

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

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



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Date: July 8th, 2017 9:46 AM
Author: bateful cuckold newt

COMPOUND INT--*nuke melts face*

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



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Date: July 8th, 2017 9:50 AM
Author: embarrassed to the bone jet-lagged plaza black woman

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=2Reputation#33727671)



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Date: July 8th, 2017 9:52 AM
Author: bateful cuckold newt

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=2Reputation#33727675)



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Date: July 8th, 2017 9:54 AM
Author: embarrassed to the bone jet-lagged plaza black woman

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=2Reputation#33727681)



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Date: July 8th, 2017 10:16 AM
Author: talented athletic conference

(Not a rental property owner)

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



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Date: July 9th, 2017 11:14 AM
Author: Ocher Wonderful Chapel

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=2Reputation#33734178)



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Date: July 8th, 2017 10:05 AM
Author: vivacious crystalline puppy

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

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



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Date: July 8th, 2017 10:06 AM
Author: embarrassed to the bone jet-lagged plaza black woman

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=2Reputation#33727719)



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Date: July 8th, 2017 12:06 PM
Author: Bright Potus

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

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



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Date: July 8th, 2017 12:13 PM
Author: slate ladyboy

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=2Reputation#33728056)



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Date: July 8th, 2017 12:28 PM
Author: Glittery locus



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



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Date: July 8th, 2017 12:30 PM
Author: Bright Potus

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=2Reputation#33728113)



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Date: July 8th, 2017 12:32 PM
Author: Supple theater stage

data entry

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



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Date: July 8th, 2017 12:46 PM
Author: Bright Potus

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=2Reputation#33728151)



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Date: July 8th, 2017 1:03 PM
Author: Supple theater stage

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=2Reputation#33728219)



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Date: July 8th, 2017 1:04 PM
Author: Glittery locus

CR

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



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Date: July 8th, 2017 12:32 PM
Author: Glittery locus

Admin assistant

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



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Date: July 8th, 2017 12:45 PM
Author: Bright Potus

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=2Reputation#33728148)



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Date: July 8th, 2017 12:57 PM
Author: Glittery locus

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=2Reputation#33728193)



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Date: July 8th, 2017 1:26 PM
Author: impressive maroon heaven background story

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=2Reputation#33728308)



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Date: July 9th, 2017 11:10 AM
Author: adventurous whorehouse mother

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

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



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Date: July 8th, 2017 12:45 PM
Author: vigorous dull senate

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=2Reputation#33728150)



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Date: July 8th, 2017 1:27 PM
Author: impressive maroon heaven background story

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=2Reputation#33728311)



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Date: July 9th, 2017 11:21 AM
Author: coral bipolar sweet tailpipe

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=2Reputation#33734215)



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Date: August 22nd, 2017 7:26 PM
Author: Green offensive indirect expression deer antler



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



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Date: August 23rd, 2017 11:19 AM
Author: Light weed whacker place of business

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=2Reputation#34051890)



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Date: September 15th, 2023 11:28 AM
Author: crusty avocado site



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