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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...
Exhilarant Pearly Telephone
  02/07/14
(Dave Ramsey)
Copper Naked Scourge Upon The Earth Wrinkle
  12/10/14
Germany bull
boyish lilac cuckoldry
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
Irradiated Crystalline Background Story
  02/07/14
...
smoky stage
  02/08/14
yep
Onyx masturbator
  02/07/14
what is the apr on this
Insanely creepy school coffee pot
  02/07/14
12% lol.
Metal thriller station messiness
  02/07/14
fucking boomers
Sinister Base Halford
  02/07/14
...
may his bones be crushed
  04/13/26
...
Exhilarant Pearly Telephone
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
infuriating pistol roast beef
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
Excitant coiffed stead
  02/07/14
180
infuriating pistol roast beef
  02/07/14
...
racy orchid love of her life police squad
  02/08/14
...
Electric Jet-lagged Resort
  02/13/15
...
motley drunken circlehead
  04/18/16
...
infuriating pistol roast beef
  02/20/17
...
curious doobsian faggotry house
  02/20/17
...
motley drunken circlehead
  07/08/17
...
Exhilarant Pearly Telephone
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
infuriating pistol roast beef
  02/07/14
...
Exhilarant Pearly Telephone
  02/07/14
(guy who recently watched The Secret)
infuriating pistol roast beef
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
infuriating pistol roast beef
  02/07/14
(Boomer in 2006 buying third investment property)
infuriating pistol roast beef
  02/07/14
this will not occur over the next 40 years
Snowy Stirring Theater Stage
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
Bipolar locale
  02/07/14
...
Exhilarant Pearly Telephone
  02/07/14
Compare the demographics, foreign competition, and regulator...
Snowy Stirring Theater Stage
  12/10/14
...
Snowy Stirring Theater Stage
  04/18/16
A true genius
Snowy Stirring Theater Stage
  09/29/16
...
comical brass abode
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
Snowy Stirring Theater Stage
  04/18/16
Just do assume 12% returns for 45 years
ivory trip library brethren
  02/07/14
...
Exhilarant Pearly Telephone
  02/07/14
CR incredibly retarded
Snowy Stirring Theater Stage
  02/07/14
It doesn't change regardless of rate.
Bipolar locale
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
Snowy Stirring Theater Stage
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
Erotic adulterous whorehouse mediation
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
startled potus
  02/07/14
...
Exhilarant Pearly Telephone
  02/07/14
this will not be the case for the next 50 years
Snowy Stirring Theater Stage
  02/07/14
(Suze Orman after a few too many glasses of wine)
sickened feces
  02/07/14
lol'd
Dashing dead reading party stain
  04/18/16
haha
Razzle Hideous Hell Cuck
  09/29/16
...
infuriating pistol roast beef
  02/20/17
...
Bipolar locale
  02/20/17
...
Frum flushed plaza
  02/20/17
...
Aqua Nubile Filthpig Public Bath
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
elite deep double fault
  02/07/14
...
Exhilarant Pearly Telephone
  02/07/14
Not if returns were negative when/in the years immediately f...
elite deep double fault
  02/07/14
...
Exhilarant Pearly Telephone
  02/07/14
? All the hypo supposes is that you start investing in yo...
elite deep double fault
  02/07/14
...
Exhilarant Pearly Telephone
  02/07/14
YOUR personal rate of return is different from the market's ...
elite deep double fault
  02/07/14
...
Exhilarant Pearly Telephone
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
elite deep double fault
  02/07/14
...
Exhilarant Pearly Telephone
  02/07/14
you realize that to obtain the returns you stated above, one...
Excitant coiffed stead
  02/07/14
...
Exhilarant Pearly Telephone
  02/07/14
jfc why does she write shit like this
Transparent useless brakes
  07/09/17
This is true for everything ever.
tantric new version mother
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
Metal thriller station messiness
  02/07/14
U r 36? LOLOL
Irradiated Crystalline Background Story
  02/07/14
34 but I put more money than $2000 per year in there.
Metal thriller station messiness
  02/07/14
Damen. How does it feel to be literally half done with life?
Irradiated Crystalline Background Story
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
Metal thriller station messiness
  02/07/14
Goal retirement age??
Irradiated Crystalline Background Story
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
Metal thriller station messiness
  02/07/14
Any family pressure to get married??
Irradiated Crystalline Background Story
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
Metal thriller station messiness
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
soul-stirring liquid oxygen university
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
Razzle-dazzle keepsake machete
  02/07/14
...
Exhilarant Pearly Telephone
  02/07/14
Doctors are done here
Irradiated Crystalline Background Story
  02/07/14
...
balding indian lodge
  02/13/15
...
topaz very tactful school cafeteria french chef
  02/20/17
...
big sapphire theater
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
Metal thriller station messiness
  02/07/14
What were u doing at 22?
Irradiated Crystalline Background Story
  02/07/14
crappy consulting firm do municipal bond analysis.
Metal thriller station messiness
  02/07/14
you should've gone into finance, instead. you'd have a milli...
elite deep double fault
  02/07/14
I was too lazy in college, but yeah would have been a good i...
Metal thriller station messiness
  02/07/14
$38k was a decent starting salary in 1995...?
umber vigorous stag film turdskin
  02/08/14
my gf doesn't even have a credit card. she's 24
fiercely-loyal brindle site son of senegal
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
abusive chest-beating national mood
  02/07/14
...
Exhilarant Pearly Telephone
  02/07/14
yes arthur is fucked, ben pwns him
abusive chest-beating national mood
  02/07/14
Twist: Arthur was swimming in student loan debt
infuriating pistol roast beef
  02/07/14
...
aphrodisiac aggressive market
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
vivacious parlour tattoo
  02/07/14
...
Black Bisexual Stage Athletic Conference
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
mischievous location
  02/07/14
True, the idea that investing early is a good idea sure didn...
vivacious parlour tattoo
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
mewling dilemma
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
mewling dilemma
  07/08/17
Right. The person who started investing earlier is still in ...
ocher stimulating ladyboy
  07/09/17
I think the more interesting hypo is a guy who starts invest...
avocado autistic sandwich
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
Black Bisexual Stage Athletic Conference
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
demanding frisky codepig
  02/07/14
I still think it's more credited to maintain liquidity and i...
cyan filthy yarmulke hairy legs
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
Metal thriller station messiness
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
vivacious parlour tattoo
  02/07/14
(cgm)
Violent personal credit line
  02/07/14
What does this look like if you assume 6% returns?
slate spot
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
contagious selfie
  02/08/14
...
Exhilarant Pearly Telephone
  02/17/14
not really. my parents had very little just 20 years ago...
white nursing home partner
  02/08/14
...
Exhilarant Pearly Telephone
  02/10/14
...
wonderful mad-dog skullcap
  07/08/17
So your telling me that if I make a lot of money ill do well...
Up-to-no-good dun rehab
  12/10/14
...
Exhilarant Pearly Telephone
  05/14/14
...
Exhilarant Pearly Telephone
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
Orange Talented Locus Clown
  12/10/14
...
Exhilarant Pearly Telephone
  12/10/14
...
Exhilarant Pearly Telephone
  02/13/15
this is retarded. for most of us, that would have meant soc...
adventurous hall
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
balding indian lodge
  02/13/15
...
Exhilarant Pearly Telephone
  02/13/15
we're in a bubble right now, so all of those figures are bul...
adventurous hall
  02/13/15
...
Exhilarant Pearly Telephone
  02/13/15
A year later after bitching in this thread, I have fucking $...
Metal thriller station messiness
  02/13/15
...
Exhilarant Pearly Telephone
  02/13/15
What has your APR been?
concupiscible navy blood rage
  02/13/15
how much money did you have in cash on the sidelines from th...
odious chad mexican
  02/13/15
...
Exhilarant Pearly Telephone
  12/29/15
...
Exhilarant Pearly Telephone
  04/18/16
I remember a teacher showing us this kind of chart back arou...
Sable principal's office international law enforcement agency
  04/18/16
wise move
Apoplectic gunner step-uncle's house
  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.
rebellious area
  04/18/16
...
Exhilarant Pearly Telephone
  04/18/16
This is false and assumes one continues working a cookie-cut...
white nursing home partner
  04/18/16
just do >10% growth every year. worked for bernie madoff
Buck-toothed mental disorder jap
  04/18/16
This bort is retarded.
Bipolar locale
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
gay cocky box office
  04/18/16
...
Exhilarant Pearly Telephone
  04/18/16
you pointed it out above several times, and each time you go...
gay cocky box office
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
hot toaster
  04/18/16
The real reason this chart is dumb is because of inflation. ...
useless underhanded point pisswyrm
  04/18/16
...
Exhilarant Pearly Telephone
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
useless underhanded point pisswyrm
  04/18/16
...
Exhilarant Pearly Telephone
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
mustard corner voyeur
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
Galvanic den
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
Multi-colored Quadroon
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
obsidian abnormal native immigrant
  02/20/17
I agree generally that returns will be lower. But if you ask...
Multi-colored Quadroon
  02/20/17
saving for retirement is flame. just slide and let do
Floppy crusty menage jew
  04/18/16
cr
gay cocky box office
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
big sapphire theater
  09/29/16
...
Exhilarant Pearly Telephone
  09/29/16
How do they get 10% retune every year
Charismatic Old Irish Cottage
  09/29/16
noob investor question, but isn't this idea kind of self per...
Mahogany heaven marketing idea
  09/29/16
Student loan interest exceeds most investment returns so tha...
Orange Talented Locus Clown
  09/29/16
...
Mahogany heaven marketing idea
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
Thirsty doctorate
  02/20/17
...
Thirsty doctorate
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
hairraiser hominid coldplay fan
  07/08/17
COMPOUND INT--*nuke melts face*
Bateful ticket booth
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
mint orchestra pit striped hyena
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
Bateful ticket booth
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
mint orchestra pit striped hyena
  07/08/17
(Not a rental property owner)
Snowy Stirring Theater Stage
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
ocher stimulating ladyboy
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
Thirsty doctorate
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
mint orchestra pit striped hyena
  07/08/17
now show me the table for $300K at 8% in student loans
Heady talking home
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
Slap-happy tanning salon
  07/08/17
...
big sapphire theater
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
Heady talking home
  07/08/17
data entry
wonderful mad-dog skullcap
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
Heady talking home
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
wonderful mad-dog skullcap
  07/08/17
CR
big sapphire theater
  07/08/17
Admin assistant
big sapphire theater
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
Heady talking home
  07/08/17
According to the chart all you need to invest is like 2k a y...
big sapphire theater
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
Tan Know-it-all Giraffe
  07/08/17
things barzini knew and did that you did not for $200, alex
aphrodisiac aggressive market
  07/09/17
I think a much more sure bet is Social Security taxes being ...
Histrionic hyperventilating bbw party of the first part
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
Tan Know-it-all Giraffe
  07/08/17
Investment compounding is the single biggest scam the inve...
contagious selfie
  07/09/17
...
spruce space ape
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
Aqua Nubile Filthpig Public Bath
  08/23/17
...
Exhilarant Pearly Telephone
  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: Exhilarant Pearly Telephone

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: Copper Naked Scourge Upon The Earth Wrinkle

(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: boyish lilac cuckoldry
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: Irradiated Crystalline Background Story

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: smoky stage



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: Onyx masturbator

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: Insanely creepy school coffee pot

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: Metal thriller station messiness

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: Sinister Base Halford

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: Exhilarant Pearly Telephone



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: infuriating pistol roast beef

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: Excitant coiffed stead

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: infuriating pistol roast beef

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: racy orchid love of her life police squad



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: Electric Jet-lagged Resort



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: motley drunken circlehead



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: infuriating pistol roast beef



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: curious doobsian faggotry house



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: motley drunken circlehead



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: Exhilarant Pearly Telephone



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: infuriating pistol roast beef

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: Exhilarant Pearly Telephone



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: infuriating pistol roast beef

(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: infuriating pistol roast beef

(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: infuriating pistol roast beef

(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: Snowy Stirring Theater Stage

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: Bipolar locale

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: Exhilarant Pearly Telephone



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: Snowy Stirring Theater Stage

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: Snowy Stirring Theater Stage



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: Snowy Stirring Theater Stage

A true genius

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



Reply Favorite

Date: April 18th, 2016 7:41 AM
Author: comical brass abode



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: Snowy Stirring Theater Stage

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: ivory trip library brethren

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: Exhilarant Pearly Telephone



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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: Snowy Stirring Theater Stage

CR incredibly retarded

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



Reply Favorite

Date: April 18th, 2016 8:57 AM
Author: Bipolar locale

It doesn't change regardless of rate.

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



Reply Favorite

Date: April 18th, 2016 9:13 AM
Author: Snowy Stirring Theater Stage

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)



Reply Favorite

Date: February 20th, 2017 9:25 AM
Author: Erotic adulterous whorehouse mediation

(finance genius)

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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: startled potus

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: Exhilarant Pearly Telephone



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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: Snowy Stirring Theater Stage

this will not be the case for the next 50 years



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: sickened feces

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

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



Reply Favorite

Date: April 18th, 2016 9:35 AM
Author: Dashing dead reading party stain

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: Razzle Hideous Hell Cuck

haha

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



Reply Favorite

Date: February 20th, 2017 1:49 AM
Author: infuriating pistol roast beef



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



Reply Favorite

Date: February 20th, 2017 8:38 AM
Author: Bipolar locale



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: Frum flushed plaza



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: Aqua Nubile Filthpig Public Bath



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: elite deep double fault

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: Exhilarant Pearly Telephone



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: elite deep double fault

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: Exhilarant Pearly Telephone



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: elite deep double fault

?

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: Exhilarant Pearly Telephone



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: elite deep double fault

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: Exhilarant Pearly Telephone



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



Reply Favorite

Date: February 7th, 2014 4:13 PM
Author: elite deep double fault

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: Exhilarant Pearly Telephone



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



Reply Favorite

Date: February 7th, 2014 4:35 PM
Author: Excitant coiffed stead

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)



Reply Favorite

Date: February 7th, 2014 4:41 PM
Author: Exhilarant Pearly Telephone



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



Reply Favorite

Date: July 9th, 2017 11:26 AM
Author: Transparent useless brakes

jfc why does she write shit like this

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



Reply Favorite

Date: September 29th, 2016 2:14 PM
Author: tantric new version mother

This is true for everything ever.

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



Reply Favorite

Date: February 7th, 2014 3:25 PM
Author: Metal thriller station messiness

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)



Reply Favorite

Date: February 7th, 2014 3:30 PM
Author: Irradiated Crystalline Background Story

U r 36? LOLOL

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



Reply Favorite

Date: February 7th, 2014 3:31 PM
Author: Metal thriller station messiness

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)



Reply Favorite

Date: February 7th, 2014 3:36 PM
Author: Irradiated Crystalline Background Story

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)



Reply Favorite

Date: February 7th, 2014 3:39 PM
Author: Metal thriller station messiness

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: Irradiated Crystalline Background Story

Goal retirement age??

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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Metal thriller station messiness

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: Irradiated Crystalline Background Story

Any family pressure to get married??

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



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: Metal thriller station messiness

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)



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=2)#49814674)



Reply Favorite

Date: February 7th, 2014 3:32 PM
Author: soul-stirring liquid oxygen university

(39-year-old, MAF troll)

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



Reply Favorite

Date: February 7th, 2014 3:38 PM
Author: Razzle-dazzle keepsake machete

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: Exhilarant Pearly Telephone



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Irradiated Crystalline Background Story

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: balding indian lodge



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: topaz very tactful school cafeteria french chef



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: big sapphire theater



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: Metal thriller station messiness

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: Irradiated Crystalline Background Story

What were u doing at 22?

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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: Metal thriller station messiness

crappy consulting firm do municipal bond analysis.

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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: elite deep double fault

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)



Reply Favorite

Date: February 7th, 2014 3:59 PM
Author: Metal thriller station messiness

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)



Reply Favorite

Date: February 8th, 2014 10:36 AM
Author: umber vigorous stag film turdskin

$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: fiercely-loyal brindle site son of senegal

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)



Reply Favorite

Date: February 7th, 2014 3:48 PM
Author: abusive chest-beating national mood

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: Exhilarant Pearly Telephone



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: abusive chest-beating national mood

yes arthur is fucked, ben pwns him

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



Reply Favorite

Date: February 7th, 2014 3:51 PM
Author: infuriating pistol roast beef

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: aphrodisiac aggressive market



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



Reply Favorite

Date: February 7th, 2014 4:01 PM
Author: vivacious parlour tattoo

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)



Reply Favorite

Date: February 8th, 2014 8:23 PM
Author: Black Bisexual Stage Athletic Conference



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



Reply Favorite

Date: February 7th, 2014 4:08 PM
Author: mischievous location

*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: vivacious parlour tattoo

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)



Reply Favorite

Date: September 29th, 2016 1:14 PM
Author: mewling dilemma

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: mewling dilemma

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: ocher stimulating ladyboy

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: avocado autistic sandwich

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: Black Bisexual Stage Athletic Conference

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: demanding frisky codepig

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)



Reply Favorite

Date: February 7th, 2014 4:11 PM
Author: cyan filthy yarmulke hairy legs

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: Metal thriller station messiness

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: vivacious parlour tattoo

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: Violent personal credit line

(cgm)

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



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: slate spot

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: contagious selfie

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: Exhilarant Pearly Telephone



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: white nursing home partner

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: Exhilarant Pearly Telephone



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: wonderful 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: Up-to-no-good dun rehab

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: Exhilarant Pearly Telephone



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: Exhilarant Pearly Telephone



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: Orange Talented Locus Clown

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: Exhilarant Pearly Telephone



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: Exhilarant Pearly Telephone



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



Reply Favorite

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

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: balding indian lodge

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: Exhilarant Pearly Telephone



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



Reply Favorite

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

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: Exhilarant Pearly Telephone



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: Metal thriller station messiness

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: Exhilarant Pearly Telephone



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



Reply Favorite

Date: February 13th, 2015 5:53 PM
Author: concupiscible navy blood rage

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: odious chad mexican

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: Exhilarant Pearly Telephone



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



Reply Favorite

Date: April 18th, 2016 7:18 AM
Author: Exhilarant Pearly Telephone



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



Reply Favorite

Date: April 18th, 2016 7:47 AM
Author: Sable principal's office international law enforcement agency

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: Apoplectic gunner step-uncle's house

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: rebellious area

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: Exhilarant Pearly Telephone



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



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Date: April 18th, 2016 7:50 AM
Author: white nursing home partner

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)



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Date: April 18th, 2016 8:51 AM
Author: Buck-toothed mental disorder jap

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: Bipolar locale

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: gay cocky box office

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: Exhilarant Pearly Telephone



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



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Date: April 18th, 2016 10:04 AM
Author: gay cocky box office

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: hot toaster

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)



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Date: April 18th, 2016 9:20 AM
Author: useless underhanded point pisswyrm

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: Exhilarant Pearly Telephone



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



Reply Favorite

Date: April 18th, 2016 9:50 AM
Author: useless underhanded point pisswyrm

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: Exhilarant Pearly Telephone



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



Reply Favorite

Date: July 8th, 2017 11:01 AM
Author: mustard corner voyeur

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)



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Date: September 15th, 2023 11:41 AM
Author: Galvanic den

*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: Multi-colored Quadroon

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: obsidian abnormal native immigrant

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: Multi-colored Quadroon

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: Floppy crusty menage jew

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: gay cocky box office

cr

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



Reply Favorite

Date: September 29th, 2016 10:24 AM
Author: big sapphire theater

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: Exhilarant Pearly Telephone



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



Reply Favorite

Date: September 29th, 2016 1:21 PM
Author: Charismatic Old Irish Cottage

How do they get 10% retune every year

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



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Date: September 29th, 2016 2:04 PM
Author: Mahogany heaven marketing idea

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)



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Date: September 29th, 2016 2:12 PM
Author: Orange Talented Locus Clown

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: Mahogany heaven marketing idea



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



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Date: February 20th, 2017 8:11 AM
Author: Thirsty doctorate

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: Thirsty doctorate



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



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Date: July 8th, 2017 9:40 AM
Author: hairraiser hominid coldplay fan

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

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



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Date: July 8th, 2017 9:46 AM
Author: Bateful ticket booth

COMPOUND INT--*nuke melts face*

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



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Date: July 8th, 2017 9:50 AM
Author: mint orchestra pit striped hyena

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)



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Date: July 8th, 2017 9:52 AM
Author: Bateful ticket booth

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: mint orchestra pit striped hyena

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: Snowy Stirring Theater Stage

(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: ocher stimulating ladyboy

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)



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Date: July 8th, 2017 10:05 AM
Author: Thirsty doctorate

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)



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Date: July 8th, 2017 10:06 AM
Author: mint orchestra pit striped hyena

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)



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Date: July 8th, 2017 12:06 PM
Author: Heady talking home

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)



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Date: July 8th, 2017 12:13 PM
Author: Slap-happy tanning salon

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: big sapphire theater



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



Reply Favorite

Date: July 8th, 2017 12:30 PM
Author: Heady talking home

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: wonderful 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: Heady talking home

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: wonderful 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: big sapphire theater

CR

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



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Date: July 8th, 2017 12:32 PM
Author: big sapphire theater

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: Heady talking home

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: big sapphire theater

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: Tan Know-it-all Giraffe

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: aphrodisiac aggressive market

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)



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Date: July 8th, 2017 12:45 PM
Author: Histrionic hyperventilating bbw party of the first part

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: Tan Know-it-all Giraffe

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: contagious selfie

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: spruce space ape



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



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Date: August 23rd, 2017 11:19 AM
Author: Aqua Nubile Filthpig Public Bath

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: Exhilarant Pearly Telephone



(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)



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

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

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