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Just a chill improbable bordering on impossible $1600000k 401k balance

What? It’s perfectly believable.
filthy really tough guy station
  07/06/24
What's your balance again, champ?
heady space
  07/06/24
I have like 3 401000Ks from various employers, plus an IRA, ...
filthy really tough guy station
  07/06/24
Can an HSA pay for a Hair Transplant? What's your Balance? A...
heady space
  07/06/24
I don’t have to answer these questions.
filthy really tough guy station
  07/06/24
IRL lmao’ing
soul-stirring hominid
  07/06/24
...
heady space
  07/06/24
partners can allegedly contribute 60k a year
Mildly Autistic Puppy
  07/06/24
just let the half century old lawyers make up some shit to i...
Narrow-minded school mother
  07/06/24
what a joke
filthy really tough guy station
  07/06/24
OYT is maf at those of us who will retire with $8m plus in 4...
Sable adventurous gunner
  07/06/24
His Lost years were during the nadir of the stock market. He...
heady space
  07/06/24
It’s weird that he thinks it’s impossible to hav...
Sable adventurous gunner
  07/06/24
Also I poasted before that my wife and I had around a mil ea...
Sable adventurous gunner
  07/06/24
That’s intellectually dishonest tbh. I don’t bla...
heady space
  07/06/24
the total amount in retirement accounts is like $1.7 million...
Sable adventurous gunner
  07/06/24
How am I poor? Your a joke.
heady space
  07/06/24
aren't you underemployed and make like $20 an hour or someth...
Sable adventurous gunner
  07/06/24
you are correct, cowgod is extremely Poor and still lives of...
Erotic location wrinkle
  07/06/24
I make 0k. I’m not some wagecuck Loser.
heady space
  07/06/24
just a chill 70% annual return rate in index funds.
Ebony house-broken parlour
  07/06/24
this place is full of financially retarded people. go her...
Sable adventurous gunner
  07/06/24
and your plan to turn $1.7M into $2M+ in “a few months...
Ebony house-broken parlour
  07/06/24
i haven't stopped saving yet. between contributions and gain...
Sable adventurous gunner
  07/06/24
you’re the one being financially retarded atm. SPY is ...
heady space
  07/06/24
over the course of the next few months, how much in “s...
Ebony house-broken parlour
  07/07/24
710k isn't really "around" a million. It's closer...
Arousing boistinker box office
  07/06/24
i was conflating the 401k balance with the roth balance. tho...
Sable adventurous gunner
  07/06/24
the Lost Years
filthy really tough guy station
  07/09/24
i sucked a lot of dicks during that time
Sable adventurous gunner
  07/10/24
180
Narrow-minded school mother
  07/07/24
...
filthy really tough guy station
  10/10/24
...
filthy really tough guy station
  06/27/25
That was a year ago Champ. Lots of guys here have $2.5M+ in...
talented dark casino athletic conference
  06/27/25
I'm not listening to this fuckin crap.
filthy really tough guy station
  06/27/25
Vanguard, in its How America Saves 2024 report (based on 202...
talented dark casino athletic conference
  06/27/25
simply having a 401k in the first place puts you well above ...
filthy really tough guy station
  06/27/25


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Reply Favorite

Date: July 6th, 2024 6:48 PM
Author: filthy really tough guy station

What? It’s perfectly believable.

(http://www.autoadmit.com/thread.php?thread_id=5551409&forum_id=2)#47815802)



Reply Favorite

Date: July 6th, 2024 6:48 PM
Author: heady space

What's your balance again, champ?

(http://www.autoadmit.com/thread.php?thread_id=5551409&forum_id=2)#47815803)



Reply Favorite

Date: July 6th, 2024 6:50 PM
Author: filthy really tough guy station

I have like 3 401000Ks from various employers, plus an IRA, plus an HSA.

(http://www.autoadmit.com/thread.php?thread_id=5551409&forum_id=2)#47815809)



Reply Favorite

Date: July 6th, 2024 6:52 PM
Author: heady space

Can an HSA pay for a Hair Transplant? What's your Balance? And your Net Worth?

(http://www.autoadmit.com/thread.php?thread_id=5551409&forum_id=2)#47815818)



Reply Favorite

Date: July 6th, 2024 6:54 PM
Author: filthy really tough guy station

I don’t have to answer these questions.

(http://www.autoadmit.com/thread.php?thread_id=5551409&forum_id=2)#47815823)



Reply Favorite

Date: July 6th, 2024 8:01 PM
Author: soul-stirring hominid

IRL lmao’ing

(http://www.autoadmit.com/thread.php?thread_id=5551409&forum_id=2)#47815996)



Reply Favorite

Date: July 6th, 2024 8:05 PM
Author: heady space



(http://www.autoadmit.com/thread.php?thread_id=5551409&forum_id=2)#47816007)



Reply Favorite

Date: July 6th, 2024 6:49 PM
Author: Mildly Autistic Puppy

partners can allegedly contribute 60k a year

(http://www.autoadmit.com/thread.php?thread_id=5551409&forum_id=2)#47815805)



Reply Favorite

Date: July 6th, 2024 6:50 PM
Author: Narrow-minded school mother

just let the half century old lawyers make up some shit to impress the profoundly mentally ill and credulous post-wall dog woman, okay?

(http://www.autoadmit.com/thread.php?thread_id=5551409&forum_id=2)#47815812)



Reply Favorite

Date: July 6th, 2024 7:28 PM
Author: filthy really tough guy station

what a joke

(http://www.autoadmit.com/thread.php?thread_id=5551409&forum_id=2)#47815918)



Reply Favorite

Date: July 6th, 2024 7:31 PM
Author: Sable adventurous gunner

OYT is maf at those of us who will retire with $8m plus in 401k balances alone

(http://www.autoadmit.com/thread.php?thread_id=5551409&forum_id=2)#47815924)



Reply Favorite

Date: July 6th, 2024 7:56 PM
Author: heady space

His Lost years were during the nadir of the stock market. He had No Job and No 401k. He fucked himself out of 10x gains heretofore.

(http://www.autoadmit.com/thread.php?thread_id=5551409&forum_id=2)#47815988)



Reply Favorite

Date: July 6th, 2024 8:29 PM
Author: Sable adventurous gunner

It’s weird that he thinks it’s impossible to have a large 401k balance.

(http://www.autoadmit.com/thread.php?thread_id=5551409&forum_id=2)#47816063)



Reply Favorite

Date: July 6th, 2024 8:30 PM
Author: Sable adventurous gunner

Also I poasted before that my wife and I had around a mil each. Her balance is 850k and mines like 710k. We each have around 100k in Roth balances. I was lumping both together.

(http://www.autoadmit.com/thread.php?thread_id=5551409&forum_id=2)#47816066)



Reply Favorite

Date: July 6th, 2024 9:36 PM
Author: heady space

That’s intellectually dishonest tbh. I don’t blame him. And that’s some major rounding up.

(http://www.autoadmit.com/thread.php?thread_id=5551409&forum_id=2)#47816289)



Reply Favorite

Date: July 6th, 2024 9:46 PM
Author: Sable adventurous gunner

the total amount in retirement accounts is like $1.7 million. it'll be over 2 million in a few months.

you otoh are poor.

(http://www.autoadmit.com/thread.php?thread_id=5551409&forum_id=2)#47816323)



Reply Favorite

Date: July 6th, 2024 9:47 PM
Author: heady space

How am I poor? Your a joke.

(http://www.autoadmit.com/thread.php?thread_id=5551409&forum_id=2)#47816327)



Reply Favorite

Date: July 6th, 2024 10:00 PM
Author: Sable adventurous gunner

aren't you underemployed and make like $20 an hour or something? apologies if i have this wrong.

(http://www.autoadmit.com/thread.php?thread_id=5551409&forum_id=2)#47816359)



Reply Favorite

Date: July 6th, 2024 10:02 PM
Author: Erotic location wrinkle

you are correct, cowgod is extremely Poor and still lives off modest Gamestop gains from years ago

(http://www.autoadmit.com/thread.php?thread_id=5551409&forum_id=2)#47816362)



Reply Favorite

Date: July 6th, 2024 10:38 PM
Author: heady space

I make 0k. I’m not some wagecuck Loser.

(http://www.autoadmit.com/thread.php?thread_id=5551409&forum_id=2)#47816495)



Reply Favorite

Date: July 6th, 2024 10:04 PM
Author: Ebony house-broken parlour

just a chill 70% annual return rate in index funds.

(http://www.autoadmit.com/thread.php?thread_id=5551409&forum_id=2)#47816367)



Reply Favorite

Date: July 6th, 2024 10:26 PM
Author: Sable adventurous gunner

this place is full of financially retarded people.

go here: https://www.calculator.net/investment-calculator.html?ctype=endamount&ctargetamountv=1%2C000%2C000&cstartingprinciplev=1%2C900%2C000&cyearsv=20&cinterestratev=8&ccompound=annually&ccontributeamountv=0&cadditionat1=end&ciadditionat1=monthly&printit=0&x=Calculate#calresult

$1.9 million with an 8% return, with no additional principal added, will be $8.8 million in 20 years. that return rate might be overly aggressive given that you should be extremely cautious when running these numbers, but i think it's realistic given that the s&p has returned like 10% or more over the last 30 years.

at a minimum, we will continue maxing out retirement accounts for the next 5 years. assuming we do that and then cut off all retirement savings, we'll have just over $10m in 20 years.

(http://www.autoadmit.com/thread.php?thread_id=5551409&forum_id=2)#47816458)



Reply Favorite

Date: July 6th, 2024 10:33 PM
Author: Ebony house-broken parlour

and your plan to turn $1.7M into $2M+ in “a few months” is also premised on 8% returns?

(http://www.autoadmit.com/thread.php?thread_id=5551409&forum_id=2)#47816476)



Reply Favorite

Date: July 6th, 2024 10:48 PM
Author: Sable adventurous gunner

i haven't stopped saving yet. between contributions and gains last year, the accounts went up approx 200k.

so assuming returns are similar to last year, we will hit 2 mil if not by the end of the year, early next year. i also have an equity payout coming in feb. that should be more than $150k after taxes are withheld.

(http://www.autoadmit.com/thread.php?thread_id=5551409&forum_id=2)#47816515)



Reply Favorite

Date: July 6th, 2024 11:21 PM
Author: heady space

you’re the one being financially retarded atm. SPY is up a stupid amount in the last year+ bc it dumped before that.

(http://www.autoadmit.com/thread.php?thread_id=5551409&forum_id=2)#47816589)



Reply Favorite

Date: July 7th, 2024 12:28 AM
Author: Ebony house-broken parlour

over the course of the next few months, how much in “savings” are you planning to contribute specifically to the tax-advantaged retirement accounts you referenced above and that are the explicit topic of this thread?

(http://www.autoadmit.com/thread.php?thread_id=5551409&forum_id=2)#47816683)



Reply Favorite

Date: July 6th, 2024 10:45 PM
Author: Arousing boistinker box office

710k isn't really "around" a million. It's closer to half a million. but it's still an impressive amount to have in your 401k, unless you're like 50.

(http://www.autoadmit.com/thread.php?thread_id=5551409&forum_id=2)#47816506)



Reply Favorite

Date: July 6th, 2024 10:52 PM
Author: Sable adventurous gunner

i was conflating the 401k balance with the roth balance. those two added together are $821k. Wife's total adding both accounts is $932k, so the total is $1.7 mil. then we have another ~$80k in taxable index funds and $150k in crypto.

45 years old, so this may seem unimpressive, but our total net worth 10 years ago was about 400k. i got a late start saving.

(http://www.autoadmit.com/thread.php?thread_id=5551409&forum_id=2)#47816532)



Reply Favorite

Date: July 9th, 2024 11:34 AM
Author: filthy really tough guy station

the Lost Years

(http://www.autoadmit.com/thread.php?thread_id=5551409&forum_id=2)#47823903)



Reply Favorite

Date: July 10th, 2024 9:45 AM
Author: Sable adventurous gunner

i sucked a lot of dicks during that time

(http://www.autoadmit.com/thread.php?thread_id=5551409&forum_id=2)#47827230)



Reply Favorite

Date: July 7th, 2024 6:25 PM
Author: Narrow-minded school mother

180

(http://www.autoadmit.com/thread.php?thread_id=5551409&forum_id=2)#47818319)



Reply Favorite

Date: October 10th, 2024 8:39 AM
Author: filthy really tough guy station



(http://www.autoadmit.com/thread.php?thread_id=5551409&forum_id=2)#48183368)



Reply Favorite

Date: June 27th, 2025 6:07 PM
Author: filthy really tough guy station



(http://www.autoadmit.com/thread.php?thread_id=5551409&forum_id=2)#49054835)



Reply Favorite

Date: June 27th, 2025 6:08 PM
Author: talented dark casino athletic conference

That was a year ago Champ. Lots of guys here have $2.5M+ in their 401(k) in 2025.

(http://www.autoadmit.com/thread.php?thread_id=5551409&forum_id=2)#49054836)



Reply Favorite

Date: June 27th, 2025 6:09 PM
Author: filthy really tough guy station

I'm not listening to this fuckin crap.

(http://www.autoadmit.com/thread.php?thread_id=5551409&forum_id=2)#49054837)



Reply Favorite

Date: June 27th, 2025 6:13 PM
Author: talented dark casino athletic conference

Vanguard, in its How America Saves 2024 report (based on 2023 data), found that plan participants between the ages of 45 and 54 had an average 401(k) balance of $168,646, with a median balance of $60,763. Those in their late 50s to early 60s had somewhat higher balances, with an average of $244,750 and a median account size of $87,571.

What's surprising about xo posters being 3-4 SDs above average?

(http://www.autoadmit.com/thread.php?thread_id=5551409&forum_id=2)#49054845)



Reply Favorite

Date: June 27th, 2025 6:18 PM
Author: filthy really tough guy station

simply having a 401k in the first place puts you well above the average person. age range of most xo poas is probably right in that 45 to 54 bracket.

the AVERAGE (not median) being $168,646, I suppose it is not at all surprising that xo poas have multi-million dollar balances. I mean how could they not haha. it's elementary Watson.

(http://www.autoadmit.com/thread.php?thread_id=5551409&forum_id=2)#49054866)