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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...
Aquamarine fortuitous meteor
  02/07/14
(Dave Ramsey)
slap-happy very tactful death wish haunted graveyard
  12/10/14
Germany bull
Milky sanctuary crotch
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
Duck-like Ticket Booth
  02/07/14
...
Territorial Hell
  02/08/14
yep
provocative coldplay fan
  02/07/14
what is the apr on this
Blathering lemon potus box office
  02/07/14
12% lol.
onyx plaza goal in life
  02/07/14
fucking boomers
Razzle-dazzle Base
  02/07/14
...
may his bones be crushed
  04/13/26
...
Aquamarine fortuitous meteor
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
Saffron cumskin
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
angry beady-eyed stag film
  02/07/14
180
Saffron cumskin
  02/07/14
...
Crawly razzle round eye
  02/08/14
...
Nofapping Friendly Grandma Codepig
  02/13/15
...
Autistic genital piercing
  04/18/16
...
Saffron cumskin
  02/20/17
...
nighttime juggernaut house
  02/20/17
...
Autistic genital piercing
  07/08/17
...
Aquamarine fortuitous meteor
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
Saffron cumskin
  02/07/14
...
Aquamarine fortuitous meteor
  02/07/14
(guy who recently watched The Secret)
Saffron cumskin
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
Saffron cumskin
  02/07/14
(Boomer in 2006 buying third investment property)
Saffron cumskin
  02/07/14
this will not occur over the next 40 years
razzmatazz locale
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
Floppy library corn cake
  02/07/14
...
Aquamarine fortuitous meteor
  02/07/14
Compare the demographics, foreign competition, and regulator...
razzmatazz locale
  12/10/14
...
razzmatazz locale
  04/18/16
A true genius
razzmatazz locale
  09/29/16
...
black preventive strike
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
razzmatazz locale
  04/18/16
Just do assume 12% returns for 45 years
Translucent forum keepsake machete
  02/07/14
...
Aquamarine fortuitous meteor
  02/07/14
CR incredibly retarded
razzmatazz locale
  02/07/14
It doesn't change regardless of rate.
Floppy library corn cake
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
razzmatazz locale
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
mahogany idiot wagecucks
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
Swashbuckling Site Pozpig
  02/07/14
...
Aquamarine fortuitous meteor
  02/07/14
this will not be the case for the next 50 years
razzmatazz locale
  02/07/14
(Suze Orman after a few too many glasses of wine)
Unhinged flushed location hominid
  02/07/14
lol'd
Mustard flatulent son of senegal
  04/18/16
haha
Aromatic metal sneaky criminal black woman
  09/29/16
...
Saffron cumskin
  02/20/17
...
Floppy library corn cake
  02/20/17
...
hairless dashing school generalized bond
  02/20/17
...
Aphrodisiac Field Messiness
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
Swollen theater mediation
  02/07/14
...
Aquamarine fortuitous meteor
  02/07/14
Not if returns were negative when/in the years immediately f...
Swollen theater mediation
  02/07/14
...
Aquamarine fortuitous meteor
  02/07/14
? All the hypo supposes is that you start investing in yo...
Swollen theater mediation
  02/07/14
...
Aquamarine fortuitous meteor
  02/07/14
YOUR personal rate of return is different from the market's ...
Swollen theater mediation
  02/07/14
...
Aquamarine fortuitous meteor
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
Swollen theater mediation
  02/07/14
...
Aquamarine fortuitous meteor
  02/07/14
you realize that to obtain the returns you stated above, one...
angry beady-eyed stag film
  02/07/14
...
Aquamarine fortuitous meteor
  02/07/14
jfc why does she write shit like this
Glassy Chest-beating Menage
  07/09/17
This is true for everything ever.
olive titillating temple karate
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
onyx plaza goal in life
  02/07/14
U r 36? LOLOL
Duck-like Ticket Booth
  02/07/14
34 but I put more money than $2000 per year in there.
onyx plaza goal in life
  02/07/14
Damen. How does it feel to be literally half done with life?
Duck-like Ticket Booth
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
onyx plaza goal in life
  02/07/14
Goal retirement age??
Duck-like Ticket Booth
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
onyx plaza goal in life
  02/07/14
Any family pressure to get married??
Duck-like Ticket Booth
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
onyx plaza goal in life
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
pearly startled main people lodge
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
marvelous ratface
  02/07/14
...
Aquamarine fortuitous meteor
  02/07/14
Doctors are done here
Duck-like Ticket Booth
  02/07/14
...
Curious Idea He Suggested Foreskin
  02/13/15
...
Laughsome puce feces
  02/20/17
...
zippy point queen of the night
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
onyx plaza goal in life
  02/07/14
What were u doing at 22?
Duck-like Ticket Booth
  02/07/14
crappy consulting firm do municipal bond analysis.
onyx plaza goal in life
  02/07/14
you should've gone into finance, instead. you'd have a milli...
Swollen theater mediation
  02/07/14
I was too lazy in college, but yeah would have been a good i...
onyx plaza goal in life
  02/07/14
$38k was a decent starting salary in 1995...?
Insanely Creepy Indian Lodge Hissy Fit
  02/08/14
my gf doesn't even have a credit card. she's 24
crystalline coiffed area
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
harsh french chef
  02/07/14
...
Aquamarine fortuitous meteor
  02/07/14
yes arthur is fucked, ben pwns him
harsh french chef
  02/07/14
Twist: Arthur was swimming in student loan debt
Saffron cumskin
  02/07/14
...
Bistre anal fanboi
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
Tan Glittery Nibblets Market
  02/07/14
...
yellow rebellious station depressive
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
Talking Principal's Office
  02/07/14
True, the idea that investing early is a good idea sure didn...
Tan Glittery Nibblets Market
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
Exhilarant Domesticated Theater Stage Community Account
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
Exhilarant Domesticated Theater Stage Community Account
  07/08/17
Right. The person who started investing earlier is still in ...
buck-toothed tank range
  07/09/17
I think the more interesting hypo is a guy who starts invest...
Stirring scourge upon the earth
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
yellow rebellious station depressive
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
Painfully honest walnut piazza gaming laptop
  02/07/14
I still think it's more credited to maintain liquidity and i...
Opaque Half-breed
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
onyx plaza goal in life
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
Tan Glittery Nibblets Market
  02/07/14
(cgm)
cobalt school cafeteria skinny woman
  02/07/14
What does this look like if you assume 6% returns?
adventurous voyeur office
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
Mauve Frozen Stage
  02/08/14
...
Aquamarine fortuitous meteor
  02/17/14
not really. my parents had very little just 20 years ago...
Iridescent blood rage
  02/08/14
...
Aquamarine fortuitous meteor
  02/10/14
...
excitant mad-dog skullcap
  07/08/17
So your telling me that if I make a lot of money ill do well...
hot cruel-hearted theatre deer antler
  12/10/14
...
Aquamarine fortuitous meteor
  05/14/14
...
Aquamarine fortuitous meteor
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
Racy parlor
  12/10/14
...
Aquamarine fortuitous meteor
  12/10/14
...
Aquamarine fortuitous meteor
  02/13/15
this is retarded. for most of us, that would have meant soc...
Appetizing Abnormal Coffee Pot Abode
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
Curious Idea He Suggested Foreskin
  02/13/15
...
Aquamarine fortuitous meteor
  02/13/15
we're in a bubble right now, so all of those figures are bul...
Appetizing Abnormal Coffee Pot Abode
  02/13/15
...
Aquamarine fortuitous meteor
  02/13/15
A year later after bitching in this thread, I have fucking $...
onyx plaza goal in life
  02/13/15
...
Aquamarine fortuitous meteor
  02/13/15
What has your APR been?
Vigorous Stubborn Ape Meetinghouse
  02/13/15
how much money did you have in cash on the sidelines from th...
Apoplectic dysfunction
  02/13/15
...
Aquamarine fortuitous meteor
  12/29/15
...
Aquamarine fortuitous meteor
  04/18/16
I remember a teacher showing us this kind of chart back arou...
fighting background story
  04/18/16
wise move
Tripping silver church building partner
  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.
bespoke tanning salon
  04/18/16
...
Aquamarine fortuitous meteor
  04/18/16
This is false and assumes one continues working a cookie-cut...
Iridescent blood rage
  04/18/16
just do >10% growth every year. worked for bernie madoff
Up-to-no-good National Immigrant
  04/18/16
This bort is retarded.
Floppy library corn cake
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
Pea-brained resort weed whacker
  04/18/16
...
Aquamarine fortuitous meteor
  04/18/16
you pointed it out above several times, and each time you go...
Pea-brained resort weed whacker
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
pearl irradiated rigpig
  04/18/16
The real reason this chart is dumb is because of inflation. ...
emerald prole orchestra pit
  04/18/16
...
Aquamarine fortuitous meteor
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
emerald prole orchestra pit
  04/18/16
...
Aquamarine fortuitous meteor
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
Indigo sadistic boistinker
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
Multi-colored toaster hall
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
self-absorbed wine associate
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
pungent headpube people who are hurt
  02/20/17
I agree generally that returns will be lower. But if you ask...
self-absorbed wine associate
  02/20/17
saving for retirement is flame. just slide and let do
fragrant center ceo
  04/18/16
cr
Pea-brained resort weed whacker
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
zippy point queen of the night
  09/29/16
...
Aquamarine fortuitous meteor
  09/29/16
How do they get 10% retune every year
slimy motley brunch
  09/29/16
noob investor question, but isn't this idea kind of self per...
rusted misanthropic garrison liquid oxygen
  09/29/16
Student loan interest exceeds most investment returns so tha...
Racy parlor
  09/29/16
...
rusted misanthropic garrison liquid oxygen
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
Arrogant nursing home
  02/20/17
...
Arrogant nursing home
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
180 dopamine
  07/08/17
COMPOUND INT--*nuke melts face*
Fishy insane address
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
Passionate step-uncle's house
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
Fishy insane address
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
Passionate step-uncle's house
  07/08/17
(Not a rental property owner)
razzmatazz locale
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
buck-toothed tank range
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
Arrogant nursing home
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
Passionate step-uncle's house
  07/08/17
now show me the table for $300K at 8% in student loans
well-lubricated gay mental disorder psychic
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
dun aggressive gay wizard
  07/08/17
...
zippy point queen of the night
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
well-lubricated gay mental disorder psychic
  07/08/17
data entry
excitant mad-dog skullcap
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
well-lubricated gay mental disorder psychic
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
excitant mad-dog skullcap
  07/08/17
CR
zippy point queen of the night
  07/08/17
Admin assistant
zippy point queen of the night
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
well-lubricated gay mental disorder psychic
  07/08/17
According to the chart all you need to invest is like 2k a y...
zippy point queen of the night
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
trip charcoal cuck
  07/08/17
things barzini knew and did that you did not for $200, alex
Bistre anal fanboi
  07/09/17
I think a much more sure bet is Social Security taxes being ...
diverse impertinent puppy masturbator
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
trip charcoal cuck
  07/08/17
Investment compounding is the single biggest scam the inve...
Mauve Frozen Stage
  07/09/17
...
Adulterous Cordovan Nowag
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
Aphrodisiac Field Messiness
  08/23/17
...
Aquamarine fortuitous meteor
  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: Aquamarine fortuitous meteor

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

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



Reply Favorite

Date: December 10th, 2014 4:58 PM
Author: slap-happy very tactful death wish haunted graveyard

(Dave Ramsey)

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



Reply Favorite

Date: September 15th, 2023 12:25 PM
Author: Milky sanctuary crotch
Subject: Germany bull

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

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



Reply Favorite

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



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: Duck-like Ticket Booth

Brb transferring money to my roth

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



Reply Favorite

Date: February 8th, 2014 10:44 AM
Author: Territorial Hell



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: provocative coldplay fan

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: Blathering lemon potus box office

what is the apr on this

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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: onyx plaza goal in life

12% lol.

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



Reply Favorite

Date: February 7th, 2014 3:25 PM
Author: Razzle-dazzle Base

fucking boomers

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2)#24973898)



Reply Favorite

Date: April 13th, 2026 1:57 PM
Author: may his bones be crushed



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



Reply Favorite

Date: February 7th, 2014 3:28 PM
Author: Aquamarine fortuitous meteor



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Saffron cumskin

So for the next 50 years the US Economy will be as prosperous as the last 50?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2)#24973943)



Reply Favorite

Date: February 7th, 2014 3:34 PM
Author: angry beady-eyed stag film

haven't you read the disclaimer at the bottom of every mutual fund or etf prospectus? it says past returns predict future results.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2)#24973956)



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: Saffron cumskin

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: Crawly razzle round eye



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: Nofapping Friendly Grandma Codepig



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: Autistic genital piercing



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: Saffron cumskin



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: nighttime juggernaut house



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: Autistic genital piercing



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: Aquamarine fortuitous meteor



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Saffron cumskin

Change your 10 year window to 1999 to 2009, you'd be down almost 20 percent.

United States 1950-2001 was an absolute powerhouse, I do not expect the same domination for the next 50 years, not of that magnitude.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2)#24974015)



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: Aquamarine fortuitous meteor



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Saffron cumskin

(guy who recently watched The Secret)

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



Reply Favorite

Date: February 7th, 2014 3:56 PM
Author: Saffron cumskin

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

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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: Saffron cumskin

(Boomer in 2006 buying third investment property)

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



Reply Favorite

Date: February 7th, 2014 3:59 PM
Author: razzmatazz locale

this will not occur over the next 40 years

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



Reply Favorite

Date: February 7th, 2014 4:36 PM
Author: Floppy library corn cake

So annual returns are declining by 1-2 percent per year in your timescale? Got it.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2)#24974300)



Reply Favorite

Date: February 7th, 2014 4:40 PM
Author: Aquamarine fortuitous meteor



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: razzmatazz locale

Compare the demographics, foreign competition, and regulatory burden at those times vs the next 40 years.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2)#26902473)



Reply Favorite

Date: April 18th, 2016 9:12 AM
Author: razzmatazz locale



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: razzmatazz locale

A true genius

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



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Date: April 18th, 2016 7:41 AM
Author: black preventive strike



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



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Date: April 18th, 2016 9:11 AM
Author: razzmatazz locale

Holy shit, I always thought you were a dumb shitlib, but you actually are a very low IQ moron.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2)#30296264)



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Translucent forum keepsake machete

Just do assume 12% returns for 45 years

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



Reply Favorite

Date: February 7th, 2014 3:29 PM
Author: Aquamarine fortuitous meteor



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



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Date: February 7th, 2014 3:54 PM
Author: razzmatazz locale

CR incredibly retarded

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



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Date: April 18th, 2016 8:57 AM
Author: Floppy library corn cake

It doesn't change regardless of rate.

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



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Date: April 18th, 2016 9:13 AM
Author: razzmatazz locale

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

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2)#30296270)



Reply Favorite

Date: April 13th, 2026 1:59 PM
Author: may his bones be crushed



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



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Date: February 20th, 2017 9:25 AM
Author: mahogany idiot wagecucks

(finance genius)

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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Swashbuckling Site Pozpig

That's a pretty cool investment that goes up 10% every year. What's it called?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2)#24973885)



Reply Favorite

Date: February 7th, 2014 3:29 PM
Author: Aquamarine fortuitous meteor



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



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Date: February 7th, 2014 3:58 PM
Author: razzmatazz locale

this will not be the case for the next 50 years



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



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Date: February 7th, 2014 3:23 PM
Author: Unhinged flushed location hominid

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

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



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Date: April 18th, 2016 9:35 AM
Author: Mustard flatulent son of senegal

lol'd

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



Reply Favorite

Date: September 29th, 2016 10:24 AM
Author: Aromatic metal sneaky criminal black woman

haha

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



Reply Favorite

Date: February 20th, 2017 1:49 AM
Author: Saffron cumskin



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



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Date: February 20th, 2017 8:38 AM
Author: Floppy library corn cake



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: hairless dashing school generalized bond



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: Aphrodisiac Field Messiness



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



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Date: February 7th, 2014 3:23 PM
Author: Swollen theater mediation

Jesus, stfup. No, you're not fucked if you don't begin investing by 21, though it is certainly advantageous.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2)#24973892)



Reply Favorite

Date: February 7th, 2014 3:30 PM
Author: Aquamarine fortuitous meteor



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



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Date: February 7th, 2014 3:33 PM
Author: Swollen theater mediation

Not if returns were negative when/in the years immediately following when you started --i.e.-- a 22 yo in 2008 starting his 401K right as the stock market tanked. This also isn't true if you compensate by saving/investing more later.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2)#24973941)



Reply Favorite

Date: February 7th, 2014 3:36 PM
Author: Aquamarine fortuitous meteor



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: Swollen theater mediation

?

All the hypo supposes is that you start investing in your early 20s. The "miracle of compounding" is thanks to markets, which obviously fluctuate dramatically and do not offer consistent returns/

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2)#24973993)



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Aquamarine fortuitous meteor



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



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Date: February 7th, 2014 3:47 PM
Author: Swollen theater mediation

YOUR personal rate of return is different from the market's average rate of return, based on a variety of factors, such as the precise timing/market direction of when you first began investing.



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2)#24974038)



Reply Favorite

Date: February 7th, 2014 3:49 PM
Author: Aquamarine fortuitous meteor



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



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Date: February 7th, 2014 4:13 PM
Author: Swollen theater mediation

False.

Here's a 5-year example:

Joe invests $1000 in 2002. The market grows 10% each year. In 2007, he thus has about $1600 after 5 years.

Jim invests in 2008. The market drops 38%. He's down to $620.

It increases 18% in 2009, so he's now up to $731.60. In 2010 it increases 11%, bringing him up to about $810. In 2011, he sees a 7% increase, so he's now at 867. He's up 5% in 2012, bringing him up to about $910.

Joe is thus up 60% in 5 years; Jim DOWN nearly 10%.

There was no difference except for when they began investing.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2)#24974177)



Reply Favorite

Date: February 7th, 2014 4:33 PM
Author: Aquamarine fortuitous meteor



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



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Date: February 7th, 2014 4:35 PM
Author: angry beady-eyed stag film

you realize that to obtain the returns you stated above, one must invest on a particular day and no other day?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2)#24974293)



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Date: February 7th, 2014 4:41 PM
Author: Aquamarine fortuitous meteor



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



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Date: July 9th, 2017 11:26 AM
Author: Glassy Chest-beating Menage

jfc why does she write shit like this

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



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Date: September 29th, 2016 2:14 PM
Author: olive titillating temple karate

This is true for everything ever.

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



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Date: February 7th, 2014 3:25 PM
Author: onyx plaza goal in life

why doesnt the roth I started at 20 and stopped contributing to at 27 have $90K in it?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2)#24973900)



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Date: February 7th, 2014 3:30 PM
Author: Duck-like Ticket Booth

U r 36? LOLOL

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



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Date: February 7th, 2014 3:31 PM
Author: onyx plaza goal in life

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

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



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Date: February 7th, 2014 3:36 PM
Author: Duck-like Ticket Booth

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

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



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Date: February 7th, 2014 3:39 PM
Author: onyx plaza goal in life

it sucks but I have stayed in shape and fucked enough women where I wont have any regrets on that end at least.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2)#24973988)



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: Duck-like Ticket Booth

Goal retirement age??

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



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Date: February 7th, 2014 3:43 PM
Author: onyx plaza goal in life

depends if I have kids and the house. Then probably 62-65.

If not then I might yolo and move to the philipines or some shit at 50 with a couple of million.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2)#24974009)



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: Duck-like Ticket Booth

Any family pressure to get married??

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



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Date: February 7th, 2014 3:46 PM
Author: onyx plaza goal in life

nah but I love my gf. I would probably marry her kids or not.

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



Reply Favorite

Date: February 7th, 2014 3:32 PM
Author: pearly startled main people lodge

(39-year-old, MAF troll)

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



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Date: February 7th, 2014 3:38 PM
Author: marvelous ratface

I didn't start saving til I got a job at 24. Should I killself?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2)#24973984)



Reply Favorite

Date: February 7th, 2014 3:39 PM
Author: Aquamarine fortuitous meteor



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Duck-like Ticket Booth

Doctors are done here

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



Reply Favorite

Date: February 13th, 2015 5:32 PM
Author: Curious Idea He Suggested Foreskin



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: Laughsome puce feces



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: zippy point queen of the night



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



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Date: February 7th, 2014 3:45 PM
Author: onyx plaza goal in life

And this is why I want to strangle the shrews I have dated.

At least my gf has a 401K that she contributes up to the match limit.

But she is 29 years old and this is her first year of contributing to a roth.

WOmen are fucking children.

"But I make 1/4 of what you do" she clucks.

"Except when I was 22 making $38,000 I still maxed out my roth," I lisp back.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2)#24974025)



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: Duck-like Ticket Booth

What were u doing at 22?

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



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Date: February 7th, 2014 3:54 PM
Author: onyx plaza goal in life

crappy consulting firm do municipal bond analysis.

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



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Date: February 7th, 2014 3:58 PM
Author: Swollen theater mediation

you should've gone into finance, instead. you'd have a millie by now.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2)#24974087)



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Date: February 7th, 2014 3:59 PM
Author: onyx plaza goal in life

I was too lazy in college, but yeah would have been a good idea.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2)#24974092)



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Date: February 8th, 2014 10:36 AM
Author: Insanely Creepy Indian Lodge Hissy Fit

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

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



Reply Favorite

Date: April 18th, 2016 9:49 AM
Author: crystalline coiffed area

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

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



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Date: February 7th, 2014 3:48 PM
Author: harsh french chef

arthur is a dumbass for only putting in 2000, he should ve maxed out and would ve been fine

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2)#24974041)



Reply Favorite

Date: February 7th, 2014 3:50 PM
Author: Aquamarine fortuitous meteor



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



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Date: February 7th, 2014 3:57 PM
Author: harsh french chef

yes arthur is fucked, ben pwns him

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



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Date: February 7th, 2014 3:51 PM
Author: Saffron cumskin

Twist: Arthur was swimming in student loan debt

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



Reply Favorite

Date: February 13th, 2015 5:46 PM
Author: Bistre anal fanboi



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



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Date: February 7th, 2014 4:01 PM
Author: Tan Glittery Nibblets Market

These assumptions that ignore inflation and assume 10%+ real returns are asinine. The S&P returned something like 5% real over the last century.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2)#24974098)



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Date: February 8th, 2014 8:23 PM
Author: yellow rebellious station depressive



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



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Date: February 7th, 2014 4:08 PM
Author: Talking Principal's Office

*Is guy 1*

*Invests from 2001-2008*

*Is PWND*

*Is guy 2*

*Begins investing in 2008*

*PROFITS*

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2)#24974133)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: Tan Glittery Nibblets Market

True, the idea that investing early is a good idea sure didn't apply to anybody who started investing 15 years ago. Would've been better off spending the money / having fun.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2)#24974151)



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Date: September 29th, 2016 1:14 PM
Author: Exhilarant Domesticated Theater Stage Community Account

Why not, the market corrected in the next 10 years. Its only a losing bet if you need to retire during one of the down turns.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2)#31521424)



Reply Favorite

Date: July 8th, 2017 10:02 AM
Author: Exhilarant Domesticated Theater Stage Community Account

this is what idiots don't realize. crashes don't matter except for old people. and by the time you're old, you should be easing out of the market.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2)#33727706)



Reply Favorite

Date: July 9th, 2017 10:45 AM
Author: buck-toothed tank range

Right. The person who started investing earlier is still in a better position than the person who spent it all.

I started investing seriously in 2006 or so, and sure, I got hammered in the couple of years following that. But after the crash I still had something (didn't sell) and it's since recovered. That portion of my savings wouldn't exist if I hadn't saved it early.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2)#33734072)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: Stirring scourge upon the earth

I think the more interesting hypo is a guy who starts investing later but contributes more

Dude waiting until 27 probably was in grad school or something

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2)#24974146)



Reply Favorite

Date: February 8th, 2014 8:23 PM
Author: yellow rebellious station depressive

that's more realistic even if he wasn't in grad school, because of inflation.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2)#24980361)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: Painfully honest walnut piazza gaming laptop

Just do graduate in 2006 and invest at the peak of the stock market.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2)#24974148)



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Date: February 7th, 2014 4:11 PM
Author: Opaque Half-breed

I still think it's more credited to maintain liquidity and invest in a future business than to put money into the market, assuming you can't do both and assuming you're under 35.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2)#24974156)



Reply Favorite

Date: February 7th, 2014 4:15 PM
Author: onyx plaza goal in life

Why the fuck does my roth IRA only have $35,000 in it? I maxed out from 22-27.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2)#24974195)



Reply Favorite

Date: February 7th, 2014 4:38 PM
Author: Tan Glittery Nibblets Market

I feel your pain. I've got like $41K. At least I can backdoor so it'll be $47K soon.

The real way I could see myself getting a big Roth IRA would be to get axed from law, and then start converting $30K or so a year from my 401k during a number of years with little to no income.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2)#24974306)



Reply Favorite

Date: February 7th, 2014 4:58 PM
Author: cobalt school cafeteria skinny woman

(cgm)

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



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: adventurous voyeur office

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

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



Reply Favorite

Date: February 8th, 2014 10:51 AM
Author: Mauve Frozen Stage

this is true.. i put away $1k in 1990, it's now worth $800k

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2)#24977600)



Reply Favorite

Date: February 17th, 2014 11:13 AM
Author: Aquamarine fortuitous meteor



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: Iridescent blood rage

not really.

my parents had very little just 20 years ago and now have a $3-4 million net worth. just make sure you get on a career path that is pretty lucrative and you'll be fine even if you don't save a penny until the age of 35-40.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2)#24977623)



Reply Favorite

Date: February 10th, 2014 2:32 PM
Author: Aquamarine fortuitous meteor



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: excitant mad-dog skullcap



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: hot cruel-hearted theatre deer antler

So your telling me that if I make a lot of money ill do well financially? Why aren't you charging for this insight?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2)#26902507)



Reply Favorite

Date: May 14th, 2014 9:23 AM
Author: Aquamarine fortuitous meteor



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: Aquamarine fortuitous meteor



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: Racy parlor

The 19 bro isn't doubling the 27 year old bro or anything. You can still beat the average early starter by just putting way more money in. Most people who start investing at 19 only have chump change to put in.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2)#26902483)



Reply Favorite

Date: December 10th, 2014 5:10 PM
Author: Aquamarine fortuitous meteor



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: Aquamarine fortuitous meteor



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: Appetizing Abnormal Coffee Pot Abode

this is retarded. for most of us, that would have meant socking away money into the stock market during the mid- to late-2000s. the gain from the time period to now has only been like 2% per year on average

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2)#27309317)



Reply Favorite

Date: February 13th, 2015 5:35 PM
Author: Curious Idea He Suggested Foreskin

damn u r old. i started making money in 09. wish i saved a lot more. would have been rolling in it

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2)#27309326)



Reply Favorite

Date: February 13th, 2015 5:36 PM
Author: Aquamarine fortuitous meteor



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: Appetizing Abnormal Coffee Pot Abode

we're in a bubble right now, so all of those figures are bullshit

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2)#27309354)



Reply Favorite

Date: February 13th, 2015 5:50 PM
Author: Aquamarine fortuitous meteor



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: onyx plaza goal in life

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

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



Reply Favorite

Date: February 13th, 2015 5:52 PM
Author: Aquamarine fortuitous meteor



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



Reply Favorite

Date: February 13th, 2015 5:53 PM
Author: Vigorous Stubborn Ape Meetinghouse

What has your APR been?

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



Reply Favorite

Date: February 13th, 2015 6:18 PM
Author: Apoplectic dysfunction

how much money did you have in cash on the sidelines from the last 6 year bull market?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2)#27309632)



Reply Favorite

Date: December 29th, 2015 1:41 PM
Author: Aquamarine fortuitous meteor



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



Reply Favorite

Date: April 18th, 2016 7:18 AM
Author: Aquamarine fortuitous meteor



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



Reply Favorite

Date: April 18th, 2016 7:47 AM
Author: fighting background story

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

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



Reply Favorite

Date: April 18th, 2016 8:17 AM
Author: Tripping silver church building partner

wise move

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



Reply Favorite

Date: April 18th, 2016 7:49 AM
Author: bespoke tanning salon

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

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



Reply Favorite

Date: April 18th, 2016 9:40 AM
Author: Aquamarine fortuitous meteor



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



Reply Favorite

Date: April 18th, 2016 7:50 AM
Author: Iridescent blood rage

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

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



Reply Favorite

Date: April 18th, 2016 8:51 AM
Author: Up-to-no-good National Immigrant

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

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



Reply Favorite

Date: April 18th, 2016 8:57 AM
Author: Floppy library corn cake

This bort is retarded.

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



Reply Favorite

Date: April 18th, 2016 9:04 AM
Author: Pea-brained resort weed whacker

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

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

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



Reply Favorite

Date: April 18th, 2016 9:41 AM
Author: Aquamarine fortuitous meteor



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



Reply Favorite

Date: April 18th, 2016 10:04 AM
Author: Pea-brained resort weed whacker

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

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



Reply Favorite

Date: April 18th, 2016 9:20 AM
Author: pearl irradiated rigpig

http://imgur.com/gnMx2MX

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

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



Reply Favorite

Date: April 18th, 2016 9:20 AM
Author: emerald prole orchestra pit

The real reason this chart is dumb is because of inflation. You're comparing 2,000 dollars someone put in at 19 to 2,000 someone out in 46 years later and acting like it's the same thing

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2)#30296293)



Reply Favorite

Date: April 18th, 2016 9:45 AM
Author: Aquamarine fortuitous meteor



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



Reply Favorite

Date: April 18th, 2016 9:50 AM
Author: emerald prole orchestra pit

You can't say 16,000 vs 80,000 lolz and not see how that's a stupid comparison

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2)#30296396)



Reply Favorite

Date: April 18th, 2016 10:02 AM
Author: Aquamarine fortuitous meteor



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



Reply Favorite

Date: July 8th, 2017 11:01 AM
Author: Indigo sadistic boistinker

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

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



Reply Favorite

Date: September 15th, 2023 11:41 AM
Author: Multi-colored toaster hall

*assumes 3% inflation*

*fade in cannibal holocaust theme*

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



Reply Favorite

Date: April 18th, 2016 9:24 AM
Author: self-absorbed wine associate

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

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



Reply Favorite

Date: February 20th, 2017 3:10 AM
Author: pungent headpube people who are hurt

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

401K = SCAMs

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



Reply Favorite

Date: February 20th, 2017 7:57 AM
Author: self-absorbed wine associate

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

Don't be a boomer, save your money.

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



Reply Favorite

Date: April 18th, 2016 9:57 AM
Author: fragrant center ceo

saving for retirement is flame. just slide and let do

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



Reply Favorite

Date: April 18th, 2016 10:04 AM
Author: Pea-brained resort weed whacker

cr

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



Reply Favorite

Date: September 29th, 2016 10:24 AM
Author: zippy point queen of the night

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

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



Reply Favorite

Date: September 29th, 2016 10:03 AM
Author: Aquamarine fortuitous meteor



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



Reply Favorite

Date: September 29th, 2016 1:21 PM
Author: slimy motley brunch

How do they get 10% retune every year

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



Reply Favorite

Date: September 29th, 2016 2:04 PM
Author: rusted misanthropic garrison liquid oxygen

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

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

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



Reply Favorite

Date: September 29th, 2016 2:12 PM
Author: Racy parlor

Student loan interest exceeds most investment returns so that should be priority #1 if you have it.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2)#31521840)



Reply Favorite

Date: September 29th, 2016 4:48 PM
Author: rusted misanthropic garrison liquid oxygen



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



Reply Favorite

Date: February 20th, 2017 8:11 AM
Author: Arrogant nursing home

lol at dorks ITT bobbing and weaving desperately not wanting this to be true. The annual return in the example may be at the high end of the range but the overall argument is cr.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2)#32660068)



Reply Favorite

Date: July 8th, 2017 9:32 AM
Author: Arrogant nursing home



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



Reply Favorite

Date: July 8th, 2017 9:40 AM
Author: 180 dopamine

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

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



Reply Favorite

Date: July 8th, 2017 9:46 AM
Author: Fishy insane address

COMPOUND INT--*nuke melts face*

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



Reply Favorite

Date: July 8th, 2017 9:50 AM
Author: Passionate step-uncle's house

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

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



Reply Favorite

Date: July 8th, 2017 9:52 AM
Author: Fishy insane address

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

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



Reply Favorite

Date: July 8th, 2017 9:54 AM
Author: Passionate step-uncle's house

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

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



Reply Favorite

Date: July 8th, 2017 10:16 AM
Author: razzmatazz locale

(Not a rental property owner)

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



Reply Favorite

Date: July 9th, 2017 11:14 AM
Author: buck-toothed tank range

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

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

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



Reply Favorite

Date: July 8th, 2017 10:05 AM
Author: Arrogant nursing home

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

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



Reply Favorite

Date: July 8th, 2017 10:06 AM
Author: Passionate step-uncle's house

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

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



Reply Favorite

Date: July 8th, 2017 12:06 PM
Author: well-lubricated gay mental disorder psychic

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

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



Reply Favorite

Date: July 8th, 2017 12:13 PM
Author: dun aggressive gay wizard

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

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



Reply Favorite

Date: July 8th, 2017 12:28 PM
Author: zippy point queen of the night



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



Reply Favorite

Date: July 8th, 2017 12:30 PM
Author: well-lubricated gay mental disorder psychic

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

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



Reply Favorite

Date: July 8th, 2017 12:32 PM
Author: excitant mad-dog skullcap

data entry

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



Reply Favorite

Date: July 8th, 2017 12:46 PM
Author: well-lubricated gay mental disorder psychic

link to $40K data entry job that a 19 year old with a high school degree and no experience is qualified for?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2)#33728151)



Reply Favorite

Date: July 8th, 2017 1:03 PM
Author: excitant mad-dog skullcap

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

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



Reply Favorite

Date: July 8th, 2017 1:04 PM
Author: zippy point queen of the night

CR

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



Reply Favorite

Date: July 8th, 2017 12:32 PM
Author: zippy point queen of the night

Admin assistant

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



Reply Favorite

Date: July 8th, 2017 12:45 PM
Author: well-lubricated gay mental disorder psychic

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

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



Reply Favorite

Date: July 8th, 2017 12:57 PM
Author: zippy point queen of the night

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

go be a front desk person/work as receptionist

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



Reply Favorite

Date: July 8th, 2017 1:26 PM
Author: trip charcoal cuck

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

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



Reply Favorite

Date: July 9th, 2017 11:10 AM
Author: Bistre anal fanboi

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

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



Reply Favorite

Date: July 8th, 2017 12:45 PM
Author: diverse impertinent puppy masturbator

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

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



Reply Favorite

Date: July 8th, 2017 1:27 PM
Author: trip charcoal cuck

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

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



Reply Favorite

Date: July 9th, 2017 11:21 AM
Author: Mauve Frozen Stage

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

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

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



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



Reply Favorite

Date: August 22nd, 2017 7:26 PM
Author: Adulterous Cordovan Nowag



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



Reply Favorite

Date: August 23rd, 2017 11:19 AM
Author: Aphrodisiac Field Messiness

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

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



Reply Favorite

Date: September 15th, 2023 11:28 AM
Author: Aquamarine fortuitous meteor



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



Reply Favorite

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



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