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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...
silver electric cuck
  02/07/14
(Dave Ramsey)
diverse drunken national security agency depressive
  12/10/14
Germany bull
Swashbuckling bossy queen of the night
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
glittery forum deer antler
  02/07/14
...
Lavender sanctuary personal credit line
  02/08/14
yep
brass nofapping rehab dysfunction
  02/07/14
what is the apr on this
Thriller plaza pisswyrm
  02/07/14
12% lol.
Very tactful drab immigrant
  02/07/14
fucking boomers
Misanthropic supple love of her life
  02/07/14
...
may his bones be crushed
  04/13/26
...
silver electric cuck
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
boyish stain house
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
Contagious sex offender
  02/07/14
180
boyish stain house
  02/07/14
...
Tantric startled mexican private investor
  02/08/14
...
know-it-all aphrodisiac step-uncle's house
  02/13/15
...
mind-boggling resort gay wizard
  04/18/16
...
boyish stain house
  02/20/17
...
Curious Abode Gunner
  02/20/17
...
mind-boggling resort gay wizard
  07/08/17
...
silver electric cuck
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
boyish stain house
  02/07/14
...
silver electric cuck
  02/07/14
(guy who recently watched The Secret)
boyish stain house
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
boyish stain house
  02/07/14
(Boomer in 2006 buying third investment property)
boyish stain house
  02/07/14
this will not occur over the next 40 years
hideous rusted marketing idea
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
Honey-headed appetizing new version
  02/07/14
...
silver electric cuck
  02/07/14
Compare the demographics, foreign competition, and regulator...
hideous rusted marketing idea
  12/10/14
...
hideous rusted marketing idea
  04/18/16
A true genius
hideous rusted marketing idea
  09/29/16
...
awkward genital piercing station
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
hideous rusted marketing idea
  04/18/16
Just do assume 12% returns for 45 years
mahogany national
  02/07/14
...
silver electric cuck
  02/07/14
CR incredibly retarded
hideous rusted marketing idea
  02/07/14
It doesn't change regardless of rate.
Honey-headed appetizing new version
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
hideous rusted marketing idea
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
Vibrant Locus
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
gay space
  02/07/14
...
silver electric cuck
  02/07/14
this will not be the case for the next 50 years
hideous rusted marketing idea
  02/07/14
(Suze Orman after a few too many glasses of wine)
excitant splenetic box office jew
  02/07/14
lol'd
exhilarant hall feces
  04/18/16
haha
pale jap travel guidebook
  09/29/16
...
boyish stain house
  02/20/17
...
Honey-headed appetizing new version
  02/20/17
...
Exciting dull goal in life
  02/20/17
...
Submissive talented masturbator
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
titillating abusive voyeur
  02/07/14
...
silver electric cuck
  02/07/14
Not if returns were negative when/in the years immediately f...
titillating abusive voyeur
  02/07/14
...
silver electric cuck
  02/07/14
? All the hypo supposes is that you start investing in yo...
titillating abusive voyeur
  02/07/14
...
silver electric cuck
  02/07/14
YOUR personal rate of return is different from the market's ...
titillating abusive voyeur
  02/07/14
...
silver electric cuck
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
titillating abusive voyeur
  02/07/14
...
silver electric cuck
  02/07/14
you realize that to obtain the returns you stated above, one...
Contagious sex offender
  02/07/14
...
silver electric cuck
  02/07/14
jfc why does she write shit like this
Balding provocative giraffe senate
  07/09/17
This is true for everything ever.
Laughsome Theater
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
Very tactful drab immigrant
  02/07/14
U r 36? LOLOL
glittery forum deer antler
  02/07/14
34 but I put more money than $2000 per year in there.
Very tactful drab immigrant
  02/07/14
Damen. How does it feel to be literally half done with life?
glittery forum deer antler
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
Very tactful drab immigrant
  02/07/14
Goal retirement age??
glittery forum deer antler
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
Very tactful drab immigrant
  02/07/14
Any family pressure to get married??
glittery forum deer antler
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
Very tactful drab immigrant
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
Ruby Hairraiser Hospital Telephone
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
peach theatre
  02/07/14
...
silver electric cuck
  02/07/14
Doctors are done here
glittery forum deer antler
  02/07/14
...
Salmon locale
  02/13/15
...
stubborn sound barrier home
  02/20/17
...
Frum Market
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
Very tactful drab immigrant
  02/07/14
What were u doing at 22?
glittery forum deer antler
  02/07/14
crappy consulting firm do municipal bond analysis.
Very tactful drab immigrant
  02/07/14
you should've gone into finance, instead. you'd have a milli...
titillating abusive voyeur
  02/07/14
I was too lazy in college, but yeah would have been a good i...
Very tactful drab immigrant
  02/07/14
$38k was a decent starting salary in 1995...?
Godawful Brindle Partner Ticket Booth
  02/08/14
my gf doesn't even have a credit card. she's 24
cracking lake lettuce
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
Cerebral tattoo
  02/07/14
...
silver electric cuck
  02/07/14
yes arthur is fucked, ben pwns him
Cerebral tattoo
  02/07/14
Twist: Arthur was swimming in student loan debt
boyish stain house
  02/07/14
...
wonderful soggy spot incel
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
Crystalline Alcoholic Bawdyhouse
  02/07/14
...
Dead candlestick maker circlehead
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
Nighttime place of business
  02/07/14
True, the idea that investing early is a good idea sure didn...
Crystalline Alcoholic Bawdyhouse
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
Floppy deep hissy fit fanboi
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
Floppy deep hissy fit fanboi
  07/08/17
Right. The person who started investing earlier is still in ...
underhanded pit
  07/09/17
I think the more interesting hypo is a guy who starts invest...
Lemon Hyperventilating Idiot
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
Dead candlestick maker circlehead
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
Marvelous Legal Warrant Lodge
  02/07/14
I still think it's more credited to maintain liquidity and i...
Razzle cowardly lay azn
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
Very tactful drab immigrant
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
Crystalline Alcoholic Bawdyhouse
  02/07/14
(cgm)
flushed disrespectful yarmulke
  02/07/14
What does this look like if you assume 6% returns?
coral misunderstood native
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
turquoise aggressive laser beams twinkling uncleanness
  02/08/14
...
silver electric cuck
  02/17/14
not really. my parents had very little just 20 years ago...
wine scourge upon the earth philosopher-king
  02/08/14
...
silver electric cuck
  02/10/14
...
Racy garrison pozpig
  07/08/17
So your telling me that if I make a lot of money ill do well...
Iridescent heaven
  12/10/14
...
silver electric cuck
  05/14/14
...
silver electric cuck
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
duck-like filthpig french chef
  12/10/14
...
silver electric cuck
  12/10/14
...
silver electric cuck
  02/13/15
this is retarded. for most of us, that would have meant soc...
spectacular sadistic address patrolman
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
Salmon locale
  02/13/15
...
silver electric cuck
  02/13/15
we're in a bubble right now, so all of those figures are bul...
spectacular sadistic address patrolman
  02/13/15
...
silver electric cuck
  02/13/15
A year later after bitching in this thread, I have fucking $...
Very tactful drab immigrant
  02/13/15
...
silver electric cuck
  02/13/15
What has your APR been?
Mint bipolar area foreskin
  02/13/15
how much money did you have in cash on the sidelines from th...
stirring bbw
  02/13/15
...
silver electric cuck
  12/29/15
...
silver electric cuck
  04/18/16
I remember a teacher showing us this kind of chart back arou...
violet shrine
  04/18/16
wise move
Bearded Shitlib Organic Girlfriend
  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.
Violent poppy fat ankles
  04/18/16
...
silver electric cuck
  04/18/16
This is false and assumes one continues working a cookie-cut...
wine scourge upon the earth philosopher-king
  04/18/16
just do >10% growth every year. worked for bernie madoff
passionate tanning salon
  04/18/16
This bort is retarded.
Honey-headed appetizing new version
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
hilarious lascivious mad cow disease
  04/18/16
...
silver electric cuck
  04/18/16
you pointed it out above several times, and each time you go...
hilarious lascivious mad cow disease
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
Razzmatazz green hunting ground stock car
  04/18/16
The real reason this chart is dumb is because of inflation. ...
Carmine Mother Piazza
  04/18/16
...
silver electric cuck
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
Carmine Mother Piazza
  04/18/16
...
silver electric cuck
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
Smoky Kitty
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
filthy range indirect expression
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
charcoal whorehouse kitty cat
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
beady-eyed pink institution
  02/20/17
I agree generally that returns will be lower. But if you ask...
charcoal whorehouse kitty cat
  02/20/17
saving for retirement is flame. just slide and let do
Dashing zippy boiling water
  04/18/16
cr
hilarious lascivious mad cow disease
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
Frum Market
  09/29/16
...
silver electric cuck
  09/29/16
How do they get 10% retune every year
bateful buck-toothed useless brakes cruise ship
  09/29/16
noob investor question, but isn't this idea kind of self per...
Metal geriatric brunch
  09/29/16
Student loan interest exceeds most investment returns so tha...
duck-like filthpig french chef
  09/29/16
...
Metal geriatric brunch
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
Fragrant doobsian trailer park brethren
  02/20/17
...
Fragrant doobsian trailer park brethren
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
Purple parlour people who are hurt
  07/08/17
COMPOUND INT--*nuke melts face*
trip factory reset button indian lodge
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
Talking casino
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
trip factory reset button indian lodge
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
Talking casino
  07/08/17
(Not a rental property owner)
hideous rusted marketing idea
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
underhanded pit
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
Fragrant doobsian trailer park brethren
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
Talking casino
  07/08/17
now show me the table for $300K at 8% in student loans
Puce base turdskin
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
sable ape
  07/08/17
...
Frum Market
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
Puce base turdskin
  07/08/17
data entry
Racy garrison pozpig
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
Puce base turdskin
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
Racy garrison pozpig
  07/08/17
CR
Frum Market
  07/08/17
Admin assistant
Frum Market
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
Puce base turdskin
  07/08/17
According to the chart all you need to invest is like 2k a y...
Frum Market
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
Vigorous international law enforcement agency gas station
  07/08/17
things barzini knew and did that you did not for $200, alex
wonderful soggy spot incel
  07/09/17
I think a much more sure bet is Social Security taxes being ...
yellow internal respiration
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
Vigorous international law enforcement agency gas station
  07/08/17
Investment compounding is the single biggest scam the inve...
turquoise aggressive laser beams twinkling uncleanness
  07/09/17
...
Rose orchestra pit
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
Submissive talented masturbator
  08/23/17
...
silver electric cuck
  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: silver electric cuck

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: diverse drunken national security agency depressive

(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: Swashbuckling bossy queen of the night
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: glittery forum deer antler

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: Lavender sanctuary personal credit line



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: brass nofapping rehab dysfunction

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: Thriller plaza pisswyrm

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: Very tactful drab immigrant

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: Misanthropic supple love of her life

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: silver electric cuck



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: boyish stain house

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: Contagious sex offender

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: boyish stain house

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: Tantric startled mexican private investor



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: know-it-all aphrodisiac step-uncle's house



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: mind-boggling resort gay wizard



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: boyish stain house



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: Curious Abode Gunner



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: mind-boggling resort gay wizard



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: silver electric cuck



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: boyish stain house

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: silver electric cuck



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: boyish stain house

(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: boyish stain house

(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: boyish stain house

(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: hideous rusted marketing idea

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: Honey-headed appetizing new version

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: silver electric cuck



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: hideous rusted marketing idea

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: hideous rusted marketing idea



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: hideous rusted marketing idea

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: awkward genital piercing station



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: hideous rusted marketing idea

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: mahogany national

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: silver electric cuck



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



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Date: February 7th, 2014 3:54 PM
Author: hideous rusted marketing idea

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: Honey-headed appetizing new version

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: hideous rusted marketing idea

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)



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Date: February 20th, 2017 9:25 AM
Author: Vibrant Locus

(finance genius)

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



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Date: April 13th, 2026 1:50 PM
Author: Goyvin Jewsom

So far so good

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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: gay space

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: silver electric cuck



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



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Date: February 7th, 2014 3:58 PM
Author: hideous rusted marketing idea

this will not be the case for the next 50 years



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



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Date: February 7th, 2014 3:23 PM
Author: excitant splenetic box office jew

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

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



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Date: April 18th, 2016 9:35 AM
Author: exhilarant hall feces

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: pale jap travel guidebook

haha

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



Reply Favorite

Date: February 20th, 2017 1:49 AM
Author: boyish stain house



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



Reply Favorite

Date: February 20th, 2017 8:38 AM
Author: Honey-headed appetizing new version



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: Exciting dull goal in life



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: Submissive talented masturbator



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



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Date: February 7th, 2014 3:23 PM
Author: titillating abusive voyeur

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: silver electric cuck



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



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Date: February 7th, 2014 3:33 PM
Author: titillating abusive voyeur

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: silver electric cuck



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



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Date: February 7th, 2014 3:40 PM
Author: titillating abusive voyeur

?

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: silver electric cuck



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



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Date: February 7th, 2014 3:47 PM
Author: titillating abusive voyeur

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: silver electric cuck



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



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Date: February 7th, 2014 4:13 PM
Author: titillating abusive voyeur

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: silver electric cuck



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



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Date: February 7th, 2014 4:35 PM
Author: Contagious sex offender

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: silver electric cuck



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



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Date: July 9th, 2017 11:26 AM
Author: Balding provocative giraffe senate

jfc why does she write shit like this

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



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Date: September 29th, 2016 2:14 PM
Author: Laughsome Theater

This is true for everything ever.

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



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Date: February 7th, 2014 3:25 PM
Author: Very tactful drab immigrant

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)



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Date: February 7th, 2014 3:30 PM
Author: glittery forum deer antler

U r 36? LOLOL

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



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Date: February 7th, 2014 3:31 PM
Author: Very tactful drab immigrant

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)



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Date: February 7th, 2014 3:36 PM
Author: glittery forum deer antler

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: Very tactful drab immigrant

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: glittery forum deer antler

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: Very tactful drab immigrant

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: glittery forum deer antler

Any family pressure to get married??

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



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Date: February 7th, 2014 3:46 PM
Author: Very tactful drab immigrant

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)



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Date: April 13th, 2026 2:00 PM
Author: may his bones be crushed

I'm 56 now

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Reputation#49814674)



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Date: February 7th, 2014 3:32 PM
Author: Ruby Hairraiser Hospital Telephone

(39-year-old, MAF troll)

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



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Date: February 7th, 2014 3:38 PM
Author: peach theatre

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: silver electric cuck



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: glittery forum deer antler

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: Salmon locale



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: stubborn sound barrier home



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: Frum Market



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: Very tactful drab immigrant

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: glittery forum deer antler

What were u doing at 22?

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



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Date: February 7th, 2014 3:54 PM
Author: Very tactful drab immigrant

crappy consulting firm do municipal bond analysis.

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



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Date: February 7th, 2014 3:58 PM
Author: titillating abusive voyeur

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)



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Date: February 7th, 2014 3:59 PM
Author: Very tactful drab immigrant

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)



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Date: February 8th, 2014 10:36 AM
Author: Godawful Brindle Partner Ticket Booth

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

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



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Date: April 18th, 2016 9:49 AM
Author: cracking lake lettuce

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)



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Date: February 7th, 2014 3:48 PM
Author: Cerebral tattoo

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: silver electric cuck



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: Cerebral tattoo

yes arthur is fucked, ben pwns him

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



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Date: February 7th, 2014 3:51 PM
Author: boyish stain house

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: wonderful soggy spot incel



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



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Date: February 7th, 2014 4:01 PM
Author: Crystalline Alcoholic Bawdyhouse

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: Dead candlestick maker circlehead



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



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Date: February 7th, 2014 4:08 PM
Author: Nighttime place of business

*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: Crystalline Alcoholic Bawdyhouse

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)



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Date: September 29th, 2016 1:14 PM
Author: Floppy deep hissy fit fanboi

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: Floppy deep hissy fit fanboi

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: underhanded pit

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: Lemon Hyperventilating Idiot

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: Dead candlestick maker circlehead

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)



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Date: February 7th, 2014 4:10 PM
Author: Marvelous Legal Warrant Lodge

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: Razzle cowardly lay azn

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: Very tactful drab immigrant

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: Crystalline Alcoholic Bawdyhouse

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: flushed disrespectful yarmulke

(cgm)

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



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: coral misunderstood native

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: turquoise aggressive laser beams twinkling uncleanness

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: silver electric cuck



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: wine scourge upon the earth philosopher-king

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: silver electric cuck



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: Racy garrison pozpig



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: Iridescent heaven

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: silver electric cuck



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: silver electric cuck



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: duck-like filthpig french chef

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: silver electric cuck



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: silver electric cuck



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: spectacular sadistic address patrolman

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: Salmon locale

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: silver electric cuck



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: spectacular sadistic address patrolman

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: silver electric cuck



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: Very tactful drab immigrant

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)



Reply Favorite

Date: February 13th, 2015 5:52 PM
Author: silver electric cuck



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



Reply Favorite

Date: February 13th, 2015 5:53 PM
Author: Mint bipolar area foreskin

What has your APR been?

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



Reply Favorite

Date: February 13th, 2015 6:18 PM
Author: stirring bbw

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)



Reply Favorite

Date: December 29th, 2015 1:41 PM
Author: silver electric cuck



(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: silver electric cuck



(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: violet shrine

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: Bearded Shitlib Organic Girlfriend

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: Violent poppy fat ankles

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: silver electric cuck



(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: wine scourge upon the earth philosopher-king

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: passionate tanning salon

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: Honey-headed appetizing new version

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: hilarious lascivious mad cow disease

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: silver electric cuck



(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: hilarious lascivious mad cow disease

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: Razzmatazz green hunting ground stock car

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: Carmine Mother Piazza

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: silver electric cuck



(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: Carmine Mother Piazza

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: silver electric cuck



(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: Smoky Kitty

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: filthy range indirect expression

*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: charcoal whorehouse kitty cat

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)



Reply Favorite

Date: February 20th, 2017 3:10 AM
Author: beady-eyed pink institution

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: charcoal whorehouse kitty cat

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: Dashing zippy boiling water

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: hilarious lascivious mad cow disease

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: Frum Market

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: silver electric cuck



(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: bateful buck-toothed useless brakes cruise ship

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: Metal geriatric brunch

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: duck-like filthpig french chef

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: Metal geriatric brunch



(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: Fragrant doobsian trailer park brethren

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)



Reply Favorite

Date: July 8th, 2017 9:32 AM
Author: Fragrant doobsian trailer park brethren



(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: Purple parlour people who are hurt

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: trip factory reset button indian lodge

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: Talking casino

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: trip factory reset button indian lodge

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: Talking casino

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: hideous rusted marketing idea

(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: underhanded pit

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: Fragrant doobsian trailer park brethren

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: Talking casino

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: Puce base turdskin

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: sable ape

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)



Reply Favorite

Date: July 8th, 2017 12:28 PM
Author: Frum Market



(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: Puce base turdskin

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: Racy garrison pozpig

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: Puce base turdskin

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: Racy garrison pozpig

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: Frum Market

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: Frum Market

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: Puce base turdskin

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: Frum Market

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: Vigorous international law enforcement agency gas station

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: wonderful soggy spot incel

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: yellow internal respiration

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: Vigorous international law enforcement agency gas station

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: turquoise aggressive laser beams twinkling uncleanness

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)



Reply Favorite

Date: August 22nd, 2017 7:26 PM
Author: Rose orchestra pit



(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: Submissive talented masturbator

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: silver electric cuck



(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)