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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...
chocolate theater scourge upon the earth
  02/07/14
(Dave Ramsey)
brass cerebral home affirmative action
  12/10/14
Germany bull
Olive Floppy Shrine
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
multi-colored theatre keepsake machete
  02/07/14
...
180 apoplectic corner old irish cottage
  02/08/14
yep
Mauve Shivering Ladyboy
  02/07/14
what is the apr on this
exciting at-the-ready electric furnace
  02/07/14
12% lol.
aphrodisiac brilliant piazza coffee pot
  02/07/14
fucking boomers
chestnut comical fat ankles indian lodge
  02/07/14
...
may his bones be crushed
  04/13/26
...
chocolate theater scourge upon the earth
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
hairraiser frozen mexican
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
ultramarine tattoo chad
  02/07/14
180
hairraiser frozen mexican
  02/07/14
...
drunken sex offender cruise ship
  02/08/14
...
purple area doctorate
  02/13/15
...
gaped regret
  04/18/16
...
hairraiser frozen mexican
  02/20/17
...
Lime trip messiness lay
  02/20/17
...
gaped regret
  07/08/17
...
chocolate theater scourge upon the earth
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
hairraiser frozen mexican
  02/07/14
...
chocolate theater scourge upon the earth
  02/07/14
(guy who recently watched The Secret)
hairraiser frozen mexican
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
hairraiser frozen mexican
  02/07/14
(Boomer in 2006 buying third investment property)
hairraiser frozen mexican
  02/07/14
this will not occur over the next 40 years
insane box office generalized bond
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
Nudist Clown Rehab
  02/07/14
...
chocolate theater scourge upon the earth
  02/07/14
Compare the demographics, foreign competition, and regulator...
insane box office generalized bond
  12/10/14
...
insane box office generalized bond
  04/18/16
A true genius
insane box office generalized bond
  09/29/16
...
Painfully honest state multi-billionaire
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
insane box office generalized bond
  04/18/16
Just do assume 12% returns for 45 years
Vibrant range striped hyena
  02/07/14
...
chocolate theater scourge upon the earth
  02/07/14
CR incredibly retarded
insane box office generalized bond
  02/07/14
It doesn't change regardless of rate.
Nudist Clown Rehab
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
insane box office generalized bond
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
indigo territorial school
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
Fishy foreskin kitty cat
  02/07/14
...
chocolate theater scourge upon the earth
  02/07/14
this will not be the case for the next 50 years
insane box office generalized bond
  02/07/14
(Suze Orman after a few too many glasses of wine)
Passionate idiot
  02/07/14
lol'd
adulterous personal credit line quadroon
  04/18/16
haha
chest-beating histrionic station
  09/29/16
...
hairraiser frozen mexican
  02/20/17
...
Nudist Clown Rehab
  02/20/17
...
shimmering menage persian
  02/20/17
...
Massive trailer park sneaky criminal
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
carmine stage macaca
  02/07/14
...
chocolate theater scourge upon the earth
  02/07/14
Not if returns were negative when/in the years immediately f...
carmine stage macaca
  02/07/14
...
chocolate theater scourge upon the earth
  02/07/14
? All the hypo supposes is that you start investing in yo...
carmine stage macaca
  02/07/14
...
chocolate theater scourge upon the earth
  02/07/14
YOUR personal rate of return is different from the market's ...
carmine stage macaca
  02/07/14
...
chocolate theater scourge upon the earth
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
carmine stage macaca
  02/07/14
...
chocolate theater scourge upon the earth
  02/07/14
you realize that to obtain the returns you stated above, one...
ultramarine tattoo chad
  02/07/14
...
chocolate theater scourge upon the earth
  02/07/14
jfc why does she write shit like this
chartreuse harsh black woman candlestick maker
  07/09/17
This is true for everything ever.
Lake garrison mother
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
aphrodisiac brilliant piazza coffee pot
  02/07/14
U r 36? LOLOL
multi-colored theatre keepsake machete
  02/07/14
34 but I put more money than $2000 per year in there.
aphrodisiac brilliant piazza coffee pot
  02/07/14
Damen. How does it feel to be literally half done with life?
multi-colored theatre keepsake machete
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
aphrodisiac brilliant piazza coffee pot
  02/07/14
Goal retirement age??
multi-colored theatre keepsake machete
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
aphrodisiac brilliant piazza coffee pot
  02/07/14
Any family pressure to get married??
multi-colored theatre keepsake machete
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
aphrodisiac brilliant piazza coffee pot
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
Charismatic base
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
Rusted church building
  02/07/14
...
chocolate theater scourge upon the earth
  02/07/14
Doctors are done here
multi-colored theatre keepsake machete
  02/07/14
...
claret voyeur whorehouse
  02/13/15
...
amethyst razzle-dazzle meetinghouse
  02/20/17
...
poppy disgusting potus
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
aphrodisiac brilliant piazza coffee pot
  02/07/14
What were u doing at 22?
multi-colored theatre keepsake machete
  02/07/14
crappy consulting firm do municipal bond analysis.
aphrodisiac brilliant piazza coffee pot
  02/07/14
you should've gone into finance, instead. you'd have a milli...
carmine stage macaca
  02/07/14
I was too lazy in college, but yeah would have been a good i...
aphrodisiac brilliant piazza coffee pot
  02/07/14
$38k was a decent starting salary in 1995...?
Cream site filthpig
  02/08/14
my gf doesn't even have a credit card. she's 24
mahogany fantasy-prone community account gunner
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
avocado school cafeteria faggot firefighter
  02/07/14
...
chocolate theater scourge upon the earth
  02/07/14
yes arthur is fucked, ben pwns him
avocado school cafeteria faggot firefighter
  02/07/14
Twist: Arthur was swimming in student loan debt
hairraiser frozen mexican
  02/07/14
...
ocher racy trump supporter
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
supple maroon native rigpig
  02/07/14
...
Angry talented parlour
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
Heady Primrose Wrinkle Church
  02/07/14
True, the idea that investing early is a good idea sure didn...
supple maroon native rigpig
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
Razzmatazz useless brakes
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
Razzmatazz useless brakes
  07/08/17
Right. The person who started investing earlier is still in ...
Big stain
  07/09/17
I think the more interesting hypo is a guy who starts invest...
Bisexual Property
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
Angry talented parlour
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
vigorous silver address therapy
  02/07/14
I still think it's more credited to maintain liquidity and i...
Costumed hot cuckold
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
aphrodisiac brilliant piazza coffee pot
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
supple maroon native rigpig
  02/07/14
(cgm)
opaque circlehead
  02/07/14
What does this look like if you assume 6% returns?
Cruel-hearted Hateful Son Of Senegal
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
Mewling Marketing Idea
  02/08/14
...
chocolate theater scourge upon the earth
  02/17/14
not really. my parents had very little just 20 years ago...
alcoholic boyish space haunted graveyard
  02/08/14
...
chocolate theater scourge upon the earth
  02/10/14
...
topaz set
  07/08/17
So your telling me that if I make a lot of money ill do well...
exhilarant dead athletic conference
  12/10/14
...
chocolate theater scourge upon the earth
  05/14/14
...
chocolate theater scourge upon the earth
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
bearded maniacal place of business
  12/10/14
...
chocolate theater scourge upon the earth
  12/10/14
...
chocolate theater scourge upon the earth
  02/13/15
this is retarded. for most of us, that would have meant soc...
adventurous locale
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
claret voyeur whorehouse
  02/13/15
...
chocolate theater scourge upon the earth
  02/13/15
we're in a bubble right now, so all of those figures are bul...
adventurous locale
  02/13/15
...
chocolate theater scourge upon the earth
  02/13/15
A year later after bitching in this thread, I have fucking $...
aphrodisiac brilliant piazza coffee pot
  02/13/15
...
chocolate theater scourge upon the earth
  02/13/15
What has your APR been?
Stirring den faggotry
  02/13/15
how much money did you have in cash on the sidelines from th...
Spruce Center
  02/13/15
...
chocolate theater scourge upon the earth
  12/29/15
...
chocolate theater scourge upon the earth
  04/18/16
I remember a teacher showing us this kind of chart back arou...
Sienna location double fault
  04/18/16
wise move
Saffron Gas Station
  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.
Laughsome Crackhouse
  04/18/16
...
chocolate theater scourge upon the earth
  04/18/16
This is false and assumes one continues working a cookie-cut...
alcoholic boyish space haunted graveyard
  04/18/16
just do >10% growth every year. worked for bernie madoff
cracking shaky ape water buffalo
  04/18/16
This bort is retarded.
Nudist Clown Rehab
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
Light Dilemma Masturbator
  04/18/16
...
chocolate theater scourge upon the earth
  04/18/16
you pointed it out above several times, and each time you go...
Light Dilemma Masturbator
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
beta dull spot
  04/18/16
The real reason this chart is dumb is because of inflation. ...
Blue Reading Party
  04/18/16
...
chocolate theater scourge upon the earth
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
Blue Reading Party
  04/18/16
...
chocolate theater scourge upon the earth
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
charcoal tank
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
submissive death wish
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
citrine cocky casino
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
titillating mad-dog skullcap pit
  02/20/17
I agree generally that returns will be lower. But if you ask...
citrine cocky casino
  02/20/17
saving for retirement is flame. just slide and let do
Effete Appetizing Step-uncle's House Love Of Her Life
  04/18/16
cr
Light Dilemma Masturbator
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
poppy disgusting potus
  09/29/16
...
chocolate theater scourge upon the earth
  09/29/16
How do they get 10% retune every year
Provocative Copper Principal's Office Jewess
  09/29/16
noob investor question, but isn't this idea kind of self per...
Underhanded Point Immigrant
  09/29/16
Student loan interest exceeds most investment returns so tha...
bearded maniacal place of business
  09/29/16
...
Underhanded Point Immigrant
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
bossy pontificating parlor toaster
  02/20/17
...
bossy pontificating parlor toaster
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
Contagious Dark Brunch Patrolman
  07/08/17
COMPOUND INT--*nuke melts face*
rose stage corn cake
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
sable out-of-control deer antler
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
rose stage corn cake
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
sable out-of-control deer antler
  07/08/17
(Not a rental property owner)
insane box office generalized bond
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
Big stain
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
bossy pontificating parlor toaster
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
sable out-of-control deer antler
  07/08/17
now show me the table for $300K at 8% in student loans
ivory hall
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
Lemon office
  07/08/17
...
poppy disgusting potus
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
ivory hall
  07/08/17
data entry
topaz set
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
ivory hall
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
topaz set
  07/08/17
CR
poppy disgusting potus
  07/08/17
Admin assistant
poppy disgusting potus
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
ivory hall
  07/08/17
According to the chart all you need to invest is like 2k a y...
poppy disgusting potus
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
buck-toothed bbw famous landscape painting
  07/08/17
things barzini knew and did that you did not for $200, alex
ocher racy trump supporter
  07/09/17
I think a much more sure bet is Social Security taxes being ...
vermilion legal warrant
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
buck-toothed bbw famous landscape painting
  07/08/17
Investment compounding is the single biggest scam the inve...
Mewling Marketing Idea
  07/09/17
...
free-loading house party of the first part
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
Massive trailer park sneaky criminal
  08/23/17
...
chocolate theater scourge upon the earth
  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: chocolate theater scourge upon the earth

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

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



Reply Favorite

Date: December 10th, 2014 4:58 PM
Author: brass cerebral home affirmative action

(Dave Ramsey)

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



Reply Favorite

Date: September 15th, 2023 12:25 PM
Author: Olive Floppy Shrine
Subject: Germany bull

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

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



Reply Favorite

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



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: multi-colored theatre keepsake machete

Brb transferring money to my roth

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



Reply Favorite

Date: February 8th, 2014 10:44 AM
Author: 180 apoplectic corner old irish cottage



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: Mauve Shivering Ladyboy

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: exciting at-the-ready electric furnace

what is the apr on this

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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: aphrodisiac brilliant piazza coffee pot

12% lol.

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



Reply Favorite

Date: February 7th, 2014 3:25 PM
Author: chestnut comical fat ankles indian lodge

fucking boomers

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



Reply Favorite

Date: February 7th, 2014 3:28 PM
Author: chocolate theater scourge upon the earth



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: hairraiser frozen mexican

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=2most#24973943)



Reply Favorite

Date: February 7th, 2014 3:34 PM
Author: ultramarine tattoo chad

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=2most#24973956)



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: hairraiser frozen mexican

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: drunken sex offender cruise ship



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: purple area doctorate



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: gaped regret



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: hairraiser frozen mexican



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: Lime trip messiness lay



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: gaped regret



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: chocolate theater scourge upon the earth



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: hairraiser frozen mexican

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=2most#24974015)



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: chocolate theater scourge upon the earth



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: hairraiser frozen mexican

(guy who recently watched The Secret)

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



Reply Favorite

Date: February 7th, 2014 3:56 PM
Author: hairraiser frozen mexican

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

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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: hairraiser frozen mexican

(Boomer in 2006 buying third investment property)

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



Reply Favorite

Date: February 7th, 2014 3:59 PM
Author: insane box office generalized bond

this will not occur over the next 40 years

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



Reply Favorite

Date: February 7th, 2014 4:36 PM
Author: Nudist Clown Rehab

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=2most#24974300)



Reply Favorite

Date: February 7th, 2014 4:40 PM
Author: chocolate theater scourge upon the earth



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: insane box office generalized bond

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=2most#26902473)



Reply Favorite

Date: April 18th, 2016 9:12 AM
Author: insane box office generalized bond



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: insane box office generalized bond

A true genius

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



Reply Favorite

Date: April 18th, 2016 7:41 AM
Author: Painfully honest state multi-billionaire



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: insane box office generalized bond

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=2most#30296264)



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Vibrant range striped hyena

Just do assume 12% returns for 45 years

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



Reply Favorite

Date: February 7th, 2014 3:29 PM
Author: chocolate theater scourge upon the earth



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



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Date: February 7th, 2014 3:54 PM
Author: insane box office generalized bond

CR incredibly retarded

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



Reply Favorite

Date: April 18th, 2016 8:57 AM
Author: Nudist Clown Rehab

It doesn't change regardless of rate.

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



Reply Favorite

Date: April 18th, 2016 9:13 AM
Author: insane box office generalized bond

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

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



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Date: February 20th, 2017 9:25 AM
Author: indigo territorial school

(finance genius)

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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Fishy foreskin kitty cat

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=2most#24973885)



Reply Favorite

Date: February 7th, 2014 3:29 PM
Author: chocolate theater scourge upon the earth



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



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Date: February 7th, 2014 3:58 PM
Author: insane box office generalized bond

this will not be the case for the next 50 years



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Passionate idiot

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

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



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Date: April 18th, 2016 9:35 AM
Author: adulterous personal credit line quadroon

lol'd

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



Reply Favorite

Date: September 29th, 2016 10:24 AM
Author: chest-beating histrionic station

haha

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



Reply Favorite

Date: February 20th, 2017 1:49 AM
Author: hairraiser frozen mexican



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



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Date: February 20th, 2017 8:38 AM
Author: Nudist Clown Rehab



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: shimmering menage persian



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: Massive trailer park sneaky criminal



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



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Date: February 7th, 2014 3:23 PM
Author: carmine stage macaca

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=2most#24973892)



Reply Favorite

Date: February 7th, 2014 3:30 PM
Author: chocolate theater scourge upon the earth



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



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Date: February 7th, 2014 3:33 PM
Author: carmine stage macaca

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=2most#24973941)



Reply Favorite

Date: February 7th, 2014 3:36 PM
Author: chocolate theater scourge upon the earth



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: carmine stage macaca

?

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=2most#24973993)



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: chocolate theater scourge upon the earth



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



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Date: February 7th, 2014 3:47 PM
Author: carmine stage macaca

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=2most#24974038)



Reply Favorite

Date: February 7th, 2014 3:49 PM
Author: chocolate theater scourge upon the earth



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



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Date: February 7th, 2014 4:13 PM
Author: carmine stage macaca

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=2most#24974177)



Reply Favorite

Date: February 7th, 2014 4:33 PM
Author: chocolate theater scourge upon the earth



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



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Date: February 7th, 2014 4:35 PM
Author: ultramarine tattoo chad

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=2most#24974293)



Reply Favorite

Date: February 7th, 2014 4:41 PM
Author: chocolate theater scourge upon the earth



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



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Date: July 9th, 2017 11:26 AM
Author: chartreuse harsh black woman candlestick maker

jfc why does she write shit like this

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



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Date: September 29th, 2016 2:14 PM
Author: Lake garrison mother

This is true for everything ever.

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



Reply Favorite

Date: February 7th, 2014 3:25 PM
Author: aphrodisiac brilliant piazza coffee pot

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=2most#24973900)



Reply Favorite

Date: February 7th, 2014 3:30 PM
Author: multi-colored theatre keepsake machete

U r 36? LOLOL

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



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Date: February 7th, 2014 3:31 PM
Author: aphrodisiac brilliant piazza coffee pot

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

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



Reply Favorite

Date: February 7th, 2014 3:36 PM
Author: multi-colored theatre keepsake machete

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

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



Reply Favorite

Date: February 7th, 2014 3:39 PM
Author: aphrodisiac brilliant piazza coffee pot

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=2most#24973988)



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: multi-colored theatre keepsake machete

Goal retirement age??

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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: aphrodisiac brilliant piazza coffee pot

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=2most#24974009)



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: multi-colored theatre keepsake machete

Any family pressure to get married??

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



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: aphrodisiac brilliant piazza coffee pot

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=2most#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=2most#49814674)



Reply Favorite

Date: February 7th, 2014 3:32 PM
Author: Charismatic base

(39-year-old, MAF troll)

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



Reply Favorite

Date: February 7th, 2014 3:38 PM
Author: Rusted church building

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=2most#24973984)



Reply Favorite

Date: February 7th, 2014 3:39 PM
Author: chocolate theater scourge upon the earth



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: multi-colored theatre keepsake machete

Doctors are done here

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



Reply Favorite

Date: February 13th, 2015 5:32 PM
Author: claret voyeur whorehouse



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: amethyst razzle-dazzle meetinghouse



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: poppy disgusting potus



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: aphrodisiac brilliant piazza coffee pot

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=2most#24974025)



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: multi-colored theatre keepsake machete

What were u doing at 22?

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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: aphrodisiac brilliant piazza coffee pot

crappy consulting firm do municipal bond analysis.

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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: carmine stage macaca

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=2most#24974087)



Reply Favorite

Date: February 7th, 2014 3:59 PM
Author: aphrodisiac brilliant piazza coffee pot

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=2most#24974092)



Reply Favorite

Date: February 8th, 2014 10:36 AM
Author: Cream site filthpig

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

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



Reply Favorite

Date: April 18th, 2016 9:49 AM
Author: mahogany fantasy-prone community account gunner

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

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



Reply Favorite

Date: February 7th, 2014 3:48 PM
Author: avocado school cafeteria faggot firefighter

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=2most#24974041)



Reply Favorite

Date: February 7th, 2014 3:50 PM
Author: chocolate theater scourge upon the earth



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: avocado school cafeteria faggot firefighter

yes arthur is fucked, ben pwns him

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



Reply Favorite

Date: February 7th, 2014 3:51 PM
Author: hairraiser frozen mexican

Twist: Arthur was swimming in student loan debt

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



Reply Favorite

Date: February 13th, 2015 5:46 PM
Author: ocher racy trump supporter



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



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Date: February 7th, 2014 4:01 PM
Author: supple maroon native rigpig

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=2most#24974098)



Reply Favorite

Date: February 8th, 2014 8:23 PM
Author: Angry talented parlour



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



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Date: February 7th, 2014 4:08 PM
Author: Heady Primrose Wrinkle Church

*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=2most#24974133)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: supple maroon native rigpig

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=2most#24974151)



Reply Favorite

Date: September 29th, 2016 1:14 PM
Author: Razzmatazz useless brakes

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=2most#31521424)



Reply Favorite

Date: July 8th, 2017 10:02 AM
Author: Razzmatazz useless brakes

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=2most#33727706)



Reply Favorite

Date: July 9th, 2017 10:45 AM
Author: Big stain

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=2most#33734072)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: Bisexual Property

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=2most#24974146)



Reply Favorite

Date: February 8th, 2014 8:23 PM
Author: Angry talented parlour

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=2most#24980361)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: vigorous silver address therapy

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=2most#24974148)



Reply Favorite

Date: February 7th, 2014 4:11 PM
Author: Costumed hot cuckold

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=2most#24974156)



Reply Favorite

Date: February 7th, 2014 4:15 PM
Author: aphrodisiac brilliant piazza coffee pot

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=2most#24974195)



Reply Favorite

Date: February 7th, 2014 4:38 PM
Author: supple maroon native rigpig

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=2most#24974306)



Reply Favorite

Date: February 7th, 2014 4:58 PM
Author: opaque circlehead

(cgm)

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



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: Cruel-hearted Hateful Son Of Senegal

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

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



Reply Favorite

Date: February 8th, 2014 10:51 AM
Author: Mewling Marketing Idea

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=2most#24977600)



Reply Favorite

Date: February 17th, 2014 11:13 AM
Author: chocolate theater scourge upon the earth



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: alcoholic boyish space haunted graveyard

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=2most#24977623)



Reply Favorite

Date: February 10th, 2014 2:32 PM
Author: chocolate theater scourge upon the earth



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: topaz set



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: exhilarant dead athletic conference

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=2most#26902507)



Reply Favorite

Date: May 14th, 2014 9:23 AM
Author: chocolate theater scourge upon the earth



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: chocolate theater scourge upon the earth



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: bearded maniacal place of business

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=2most#26902483)



Reply Favorite

Date: December 10th, 2014 5:10 PM
Author: chocolate theater scourge upon the earth



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: chocolate theater scourge upon the earth



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: adventurous locale

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=2most#27309317)



Reply Favorite

Date: February 13th, 2015 5:35 PM
Author: claret voyeur whorehouse

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=2most#27309326)



Reply Favorite

Date: February 13th, 2015 5:36 PM
Author: chocolate theater scourge upon the earth



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: adventurous locale

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=2most#27309354)



Reply Favorite

Date: February 13th, 2015 5:50 PM
Author: chocolate theater scourge upon the earth



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: aphrodisiac brilliant piazza coffee pot

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=2most#27309399)



Reply Favorite

Date: February 13th, 2015 5:52 PM
Author: chocolate theater scourge upon the earth



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



Reply Favorite

Date: February 13th, 2015 5:53 PM
Author: Stirring den faggotry

What has your APR been?

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



Reply Favorite

Date: February 13th, 2015 6:18 PM
Author: Spruce Center

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=2most#27309632)



Reply Favorite

Date: December 29th, 2015 1:41 PM
Author: chocolate theater scourge upon the earth



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



Reply Favorite

Date: April 18th, 2016 7:18 AM
Author: chocolate theater scourge upon the earth



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



Reply Favorite

Date: April 18th, 2016 7:47 AM
Author: Sienna location double fault

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=2most#30296076)



Reply Favorite

Date: April 18th, 2016 8:17 AM
Author: Saffron Gas Station

wise move

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



Reply Favorite

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

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

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



Reply Favorite

Date: April 18th, 2016 7:49 AM
Author: Laughsome Crackhouse

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

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



Reply Favorite

Date: April 18th, 2016 9:40 AM
Author: chocolate theater scourge upon the earth



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



Reply Favorite

Date: April 18th, 2016 7:50 AM
Author: alcoholic boyish space haunted graveyard

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=2most#30296082)



Reply Favorite

Date: April 18th, 2016 8:51 AM
Author: cracking shaky ape water buffalo

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

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



Reply Favorite

Date: April 18th, 2016 8:57 AM
Author: Nudist Clown Rehab

This bort is retarded.

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



Reply Favorite

Date: April 18th, 2016 9:04 AM
Author: Light Dilemma Masturbator

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=2most#30296237)



Reply Favorite

Date: April 18th, 2016 9:41 AM
Author: chocolate theater scourge upon the earth



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



Reply Favorite

Date: April 18th, 2016 10:04 AM
Author: Light Dilemma Masturbator

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=2most#30296421)



Reply Favorite

Date: April 18th, 2016 9:20 AM
Author: beta dull spot

http://imgur.com/gnMx2MX

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

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



Reply Favorite

Date: April 18th, 2016 9:20 AM
Author: Blue Reading Party

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=2most#30296293)



Reply Favorite

Date: April 18th, 2016 9:45 AM
Author: chocolate theater scourge upon the earth



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



Reply Favorite

Date: April 18th, 2016 9:50 AM
Author: Blue Reading Party

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=2most#30296396)



Reply Favorite

Date: April 18th, 2016 10:02 AM
Author: chocolate theater scourge upon the earth



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



Reply Favorite

Date: July 8th, 2017 11:01 AM
Author: charcoal tank

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

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



Reply Favorite

Date: September 15th, 2023 11:41 AM
Author: submissive death wish

*assumes 3% inflation*

*fade in cannibal holocaust theme*

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



Reply Favorite

Date: April 18th, 2016 9:24 AM
Author: citrine cocky casino

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=2most#30296303)



Reply Favorite

Date: February 20th, 2017 3:10 AM
Author: titillating mad-dog skullcap pit

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=2most#32659870)



Reply Favorite

Date: February 20th, 2017 7:57 AM
Author: citrine cocky casino

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=2most#32660046)



Reply Favorite

Date: April 18th, 2016 9:57 AM
Author: Effete Appetizing Step-uncle's House Love Of Her Life

saving for retirement is flame. just slide and let do

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



Reply Favorite

Date: April 18th, 2016 10:04 AM
Author: Light Dilemma Masturbator

cr

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



Reply Favorite

Date: September 29th, 2016 10:24 AM
Author: poppy disgusting potus

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

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



Reply Favorite

Date: September 29th, 2016 10:03 AM
Author: chocolate theater scourge upon the earth



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



Reply Favorite

Date: September 29th, 2016 1:21 PM
Author: Provocative Copper Principal's Office Jewess

How do they get 10% retune every year

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



Reply Favorite

Date: September 29th, 2016 2:04 PM
Author: Underhanded Point Immigrant

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

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

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



Reply Favorite

Date: September 29th, 2016 2:12 PM
Author: bearded maniacal place of business

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=2most#31521840)



Reply Favorite

Date: September 29th, 2016 4:48 PM
Author: Underhanded Point Immigrant



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



Reply Favorite

Date: February 20th, 2017 8:11 AM
Author: bossy pontificating parlor toaster

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=2most#32660068)



Reply Favorite

Date: July 8th, 2017 9:32 AM
Author: bossy pontificating parlor toaster



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



Reply Favorite

Date: July 8th, 2017 9:40 AM
Author: Contagious Dark Brunch Patrolman

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

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



Reply Favorite

Date: July 8th, 2017 9:46 AM
Author: rose stage corn cake

COMPOUND INT--*nuke melts face*

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



Reply Favorite

Date: July 8th, 2017 9:50 AM
Author: sable out-of-control deer antler

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=2most#33727671)



Reply Favorite

Date: July 8th, 2017 9:52 AM
Author: rose stage corn cake

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=2most#33727675)



Reply Favorite

Date: July 8th, 2017 9:54 AM
Author: sable out-of-control deer antler

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=2most#33727681)



Reply Favorite

Date: July 8th, 2017 10:16 AM
Author: insane box office generalized bond

(Not a rental property owner)

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



Reply Favorite

Date: July 9th, 2017 11:14 AM
Author: Big stain

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=2most#33734178)



Reply Favorite

Date: July 8th, 2017 10:05 AM
Author: bossy pontificating parlor toaster

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

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



Reply Favorite

Date: July 8th, 2017 10:06 AM
Author: sable out-of-control deer antler

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=2most#33727719)



Reply Favorite

Date: July 8th, 2017 12:06 PM
Author: ivory hall

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

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



Reply Favorite

Date: July 8th, 2017 12:13 PM
Author: Lemon office

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=2most#33728056)



Reply Favorite

Date: July 8th, 2017 12:28 PM
Author: poppy disgusting potus



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



Reply Favorite

Date: July 8th, 2017 12:30 PM
Author: ivory hall

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=2most#33728113)



Reply Favorite

Date: July 8th, 2017 12:32 PM
Author: topaz set

data entry

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



Reply Favorite

Date: July 8th, 2017 12:46 PM
Author: ivory hall

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=2most#33728151)



Reply Favorite

Date: July 8th, 2017 1:03 PM
Author: topaz set

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=2most#33728219)



Reply Favorite

Date: July 8th, 2017 1:04 PM
Author: poppy disgusting potus

CR

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



Reply Favorite

Date: July 8th, 2017 12:32 PM
Author: poppy disgusting potus

Admin assistant

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



Reply Favorite

Date: July 8th, 2017 12:45 PM
Author: ivory hall

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=2most#33728148)



Reply Favorite

Date: July 8th, 2017 12:57 PM
Author: poppy disgusting potus

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=2most#33728193)



Reply Favorite

Date: July 8th, 2017 1:26 PM
Author: buck-toothed bbw famous landscape painting

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=2most#33728308)



Reply Favorite

Date: July 9th, 2017 11:10 AM
Author: ocher racy trump supporter

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

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



Reply Favorite

Date: July 8th, 2017 12:45 PM
Author: vermilion legal warrant

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=2most#33728150)



Reply Favorite

Date: July 8th, 2017 1:27 PM
Author: buck-toothed bbw famous landscape painting

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=2most#33728311)



Reply Favorite

Date: July 9th, 2017 11:21 AM
Author: Mewling Marketing Idea

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=2most#33734215)



Reply Favorite

Date: August 22nd, 2017 7:26 PM
Author: free-loading house party of the first part



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



Reply Favorite

Date: August 23rd, 2017 11:19 AM
Author: Massive trailer park sneaky criminal

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=2most#34051890)



Reply Favorite

Date: September 15th, 2023 11:28 AM
Author: chocolate theater scourge upon the earth



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



Reply Favorite

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

how’d we all do?

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



Reply Favorite

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

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

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



Reply Favorite

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



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