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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...
Hateful Love Of Her Life
  02/07/14
(Dave Ramsey)
Shivering Senate
  12/10/14
Germany bull
appetizing opaque menage
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
Razzmatazz Sooty Son Of Senegal Plaza
  02/07/14
...
Lime Gaming Laptop
  02/08/14
yep
electric translucent property mad cow disease
  02/07/14
what is the apr on this
flatulent ladyboy
  02/07/14
12% lol.
Dead trailer park stain
  02/07/14
fucking boomers
dun kitchen coldplay fan
  02/07/14
...
may his bones be crushed
  04/13/26
...
Hateful Love Of Her Life
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
Crawly Institution Regret
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
Outnumbered spectacular hairy legs
  02/07/14
180
Crawly Institution Regret
  02/07/14
...
Embarrassed to the bone wonderful space
  02/08/14
...
Balding Resort
  02/13/15
...
Judgmental Ratface Prole
  04/18/16
...
Crawly Institution Regret
  02/20/17
...
excitant saffron public bath
  02/20/17
...
Judgmental Ratface Prole
  07/08/17
...
Hateful Love Of Her Life
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
Crawly Institution Regret
  02/07/14
...
Hateful Love Of Her Life
  02/07/14
(guy who recently watched The Secret)
Crawly Institution Regret
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
Crawly Institution Regret
  02/07/14
(Boomer in 2006 buying third investment property)
Crawly Institution Regret
  02/07/14
this will not occur over the next 40 years
orange dilemma feces
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
Plum useless brakes
  02/07/14
...
Hateful Love Of Her Life
  02/07/14
Compare the demographics, foreign competition, and regulator...
orange dilemma feces
  12/10/14
...
orange dilemma feces
  04/18/16
A true genius
orange dilemma feces
  09/29/16
...
Mind-boggling Newt Preventive Strike
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
orange dilemma feces
  04/18/16
Just do assume 12% returns for 45 years
azure arousing giraffe hospital
  02/07/14
...
Hateful Love Of Her Life
  02/07/14
CR incredibly retarded
orange dilemma feces
  02/07/14
It doesn't change regardless of rate.
Plum useless brakes
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
orange dilemma feces
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
glittery striped hyena
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
Green puppy
  02/07/14
...
Hateful Love Of Her Life
  02/07/14
this will not be the case for the next 50 years
orange dilemma feces
  02/07/14
(Suze Orman after a few too many glasses of wine)
Ebony cuckoldry
  02/07/14
lol'd
Rough-skinned Slate Fat Ankles
  04/18/16
haha
Racy base
  09/29/16
...
Crawly Institution Regret
  02/20/17
...
Plum useless brakes
  02/20/17
...
diverse bipolar hunting ground abode
  02/20/17
...
fear-inspiring pervert
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
insane library incel
  02/07/14
...
Hateful Love Of Her Life
  02/07/14
Not if returns were negative when/in the years immediately f...
insane library incel
  02/07/14
...
Hateful Love Of Her Life
  02/07/14
? All the hypo supposes is that you start investing in yo...
insane library incel
  02/07/14
...
Hateful Love Of Her Life
  02/07/14
YOUR personal rate of return is different from the market's ...
insane library incel
  02/07/14
...
Hateful Love Of Her Life
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
insane library incel
  02/07/14
...
Hateful Love Of Her Life
  02/07/14
you realize that to obtain the returns you stated above, one...
Outnumbered spectacular hairy legs
  02/07/14
...
Hateful Love Of Her Life
  02/07/14
jfc why does she write shit like this
Burgundy forum factory reset button
  07/09/17
This is true for everything ever.
snowy cumskin
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
Dead trailer park stain
  02/07/14
U r 36? LOLOL
Razzmatazz Sooty Son Of Senegal Plaza
  02/07/14
34 but I put more money than $2000 per year in there.
Dead trailer park stain
  02/07/14
Damen. How does it feel to be literally half done with life?
Razzmatazz Sooty Son Of Senegal Plaza
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
Dead trailer park stain
  02/07/14
Goal retirement age??
Razzmatazz Sooty Son Of Senegal Plaza
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
Dead trailer park stain
  02/07/14
Any family pressure to get married??
Razzmatazz Sooty Son Of Senegal Plaza
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
Dead trailer park stain
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
lascivious shrine
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
comical flirting range
  02/07/14
...
Hateful Love Of Her Life
  02/07/14
Doctors are done here
Razzmatazz Sooty Son Of Senegal Plaza
  02/07/14
...
out-of-control bat shit crazy indirect expression
  02/13/15
...
coral trust fund
  02/20/17
...
heady spot
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
Dead trailer park stain
  02/07/14
What were u doing at 22?
Razzmatazz Sooty Son Of Senegal Plaza
  02/07/14
crappy consulting firm do municipal bond analysis.
Dead trailer park stain
  02/07/14
you should've gone into finance, instead. you'd have a milli...
insane library incel
  02/07/14
I was too lazy in college, but yeah would have been a good i...
Dead trailer park stain
  02/07/14
$38k was a decent starting salary in 1995...?
irate indian lodge selfie
  02/08/14
my gf doesn't even have a credit card. she's 24
Trip University
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
Laughsome national double fault
  02/07/14
...
Hateful Love Of Her Life
  02/07/14
yes arthur is fucked, ben pwns him
Laughsome national double fault
  02/07/14
Twist: Arthur was swimming in student loan debt
Crawly Institution Regret
  02/07/14
...
180 splenetic mediation
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
Useless charismatic lay party of the first part
  02/07/14
...
Avocado school
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
curious ruddy native
  02/07/14
True, the idea that investing early is a good idea sure didn...
Useless charismatic lay party of the first part
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
amethyst tanning salon headpube
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
amethyst tanning salon headpube
  07/08/17
Right. The person who started investing earlier is still in ...
idiotic cerebral windowlicker
  07/09/17
I think the more interesting hypo is a guy who starts invest...
talented rebellious psychic gaping
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
Avocado school
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
Tan office turdskin
  02/07/14
I still think it's more credited to maintain liquidity and i...
jet new version
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
Dead trailer park stain
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
Useless charismatic lay party of the first part
  02/07/14
(cgm)
irradiated set
  02/07/14
What does this look like if you assume 6% returns?
Canary Maniacal Idiot Church
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
Henna zombie-like ape
  02/08/14
...
Hateful Love Of Her Life
  02/17/14
not really. my parents had very little just 20 years ago...
Floppy flushed idea he suggested reading party
  02/08/14
...
Hateful Love Of Her Life
  02/10/14
...
Thriller rose station cuckold
  07/08/17
So your telling me that if I make a lot of money ill do well...
Fragrant topaz church building
  12/10/14
...
Hateful Love Of Her Life
  05/14/14
...
Hateful Love Of Her Life
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
Citrine Doctorate Jewess
  12/10/14
...
Hateful Love Of Her Life
  12/10/14
...
Hateful Love Of Her Life
  02/13/15
this is retarded. for most of us, that would have meant soc...
soul-stirring garrison
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
out-of-control bat shit crazy indirect expression
  02/13/15
...
Hateful Love Of Her Life
  02/13/15
we're in a bubble right now, so all of those figures are bul...
soul-stirring garrison
  02/13/15
...
Hateful Love Of Her Life
  02/13/15
A year later after bitching in this thread, I have fucking $...
Dead trailer park stain
  02/13/15
...
Hateful Love Of Her Life
  02/13/15
What has your APR been?
Violet Fantasy-prone Whorehouse Sneaky Criminal
  02/13/15
how much money did you have in cash on the sidelines from th...
aromatic tantric dragon step-uncle's house
  02/13/15
...
Hateful Love Of Her Life
  12/29/15
...
Hateful Love Of Her Life
  04/18/16
I remember a teacher showing us this kind of chart back arou...
cowardly confused stead
  04/18/16
wise move
Contagious temple brethren
  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.
histrionic corner
  04/18/16
...
Hateful Love Of Her Life
  04/18/16
This is false and assumes one continues working a cookie-cut...
Floppy flushed idea he suggested reading party
  04/18/16
just do >10% growth every year. worked for bernie madoff
aphrodisiac brilliant background story
  04/18/16
This bort is retarded.
Plum useless brakes
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
Chestnut exhilarant piazza
  04/18/16
...
Hateful Love Of Her Life
  04/18/16
you pointed it out above several times, and each time you go...
Chestnut exhilarant piazza
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
frisky dashing location
  04/18/16
The real reason this chart is dumb is because of inflation. ...
offensive mental disorder
  04/18/16
...
Hateful Love Of Her Life
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
offensive mental disorder
  04/18/16
...
Hateful Love Of Her Life
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
narrow-minded turquoise chad
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
Slippery naked hominid
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
Ruby Hyperventilating Sanctuary
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
vibrant smoky becky philosopher-king
  02/20/17
I agree generally that returns will be lower. But if you ask...
Ruby Hyperventilating Sanctuary
  02/20/17
saving for retirement is flame. just slide and let do
Provocative Candlestick Maker Area
  04/18/16
cr
Chestnut exhilarant piazza
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
heady spot
  09/29/16
...
Hateful Love Of Her Life
  09/29/16
How do they get 10% retune every year
Well-lubricated odious theater
  09/29/16
noob investor question, but isn't this idea kind of self per...
Apoplectic Razzle-dazzle Orchestra Pit
  09/29/16
Student loan interest exceeds most investment returns so tha...
Citrine Doctorate Jewess
  09/29/16
...
Apoplectic Razzle-dazzle Orchestra Pit
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
Vermilion Godawful Lodge
  02/20/17
...
Vermilion Godawful Lodge
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
At-the-ready Jade Boistinker Home
  07/08/17
COMPOUND INT--*nuke melts face*
misunderstood field persian
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
self-absorbed sandwich immigrant
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
misunderstood field persian
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
self-absorbed sandwich immigrant
  07/08/17
(Not a rental property owner)
orange dilemma feces
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
idiotic cerebral windowlicker
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
Vermilion Godawful Lodge
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
self-absorbed sandwich immigrant
  07/08/17
now show me the table for $300K at 8% in student loans
Blathering foreskin address
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
Overrated pink goyim pistol
  07/08/17
...
heady spot
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
Blathering foreskin address
  07/08/17
data entry
Thriller rose station cuckold
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
Blathering foreskin address
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
Thriller rose station cuckold
  07/08/17
CR
heady spot
  07/08/17
Admin assistant
heady spot
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
Blathering foreskin address
  07/08/17
According to the chart all you need to invest is like 2k a y...
heady spot
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
Pearl Greedy Legal Warrant Principal's Office
  07/08/17
things barzini knew and did that you did not for $200, alex
180 splenetic mediation
  07/09/17
I think a much more sure bet is Social Security taxes being ...
Navy legend nursing home
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
Pearl Greedy Legal Warrant Principal's Office
  07/08/17
Investment compounding is the single biggest scam the inve...
Henna zombie-like ape
  07/09/17
...
sienna boyish parlor
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
fear-inspiring pervert
  08/23/17
...
Hateful Love Of Her Life
  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: Hateful Love Of Her Life

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: Shivering Senate

(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: appetizing opaque menage
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: Razzmatazz Sooty Son Of Senegal Plaza

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: Lime Gaming Laptop



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: electric translucent property mad cow disease

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: flatulent ladyboy

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: Dead trailer park stain

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: dun kitchen coldplay fan

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: Hateful Love Of Her Life



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Crawly Institution Regret

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: Outnumbered spectacular hairy legs

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: Crawly Institution Regret

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: Embarrassed to the bone wonderful space



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: Balding Resort



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: Judgmental Ratface Prole



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: Crawly Institution Regret



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: excitant saffron public bath



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: Judgmental Ratface Prole



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: Hateful Love Of Her Life



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Crawly Institution Regret

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: Hateful Love Of Her Life



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Crawly Institution Regret

(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: Crawly Institution Regret

(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: Crawly Institution Regret

(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: orange dilemma feces

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: Plum useless brakes

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: Hateful Love Of Her Life



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: orange dilemma feces

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: orange dilemma feces



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: orange dilemma feces

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: Mind-boggling Newt Preventive Strike



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: orange dilemma feces

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)



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Date: February 7th, 2014 3:23 PM
Author: azure arousing giraffe hospital

Just do assume 12% returns for 45 years

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



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Date: February 7th, 2014 3:29 PM
Author: Hateful Love Of Her Life



(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: orange dilemma feces

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: Plum useless brakes

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: orange dilemma feces

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

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



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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: glittery striped hyena

(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)



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Date: February 7th, 2014 3:23 PM
Author: Green puppy

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)



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Date: February 7th, 2014 3:29 PM
Author: Hateful Love Of Her Life



(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: orange dilemma feces

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: Ebony cuckoldry

(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: Rough-skinned Slate Fat Ankles

lol'd

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



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Date: September 29th, 2016 10:24 AM
Author: Racy base

haha

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



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Date: February 20th, 2017 1:49 AM
Author: Crawly Institution Regret



(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: Plum useless brakes



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



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Date: February 20th, 2017 8:40 AM
Author: diverse bipolar hunting ground abode



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



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Date: August 23rd, 2017 11:22 AM
Author: fear-inspiring pervert



(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: insane library incel

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)



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Date: February 7th, 2014 3:30 PM
Author: Hateful Love Of Her Life



(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: insane library incel

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)



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Date: February 7th, 2014 3:36 PM
Author: Hateful Love Of Her Life



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



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Date: February 7th, 2014 3:40 PM
Author: insane library incel

?

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)



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Date: February 7th, 2014 3:43 PM
Author: Hateful Love Of Her Life



(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: insane library incel

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)



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Date: February 7th, 2014 3:49 PM
Author: Hateful Love Of Her Life



(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: insane library incel

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)



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Date: February 7th, 2014 4:33 PM
Author: Hateful Love Of Her Life



(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: Outnumbered spectacular hairy legs

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: Hateful Love Of Her Life



(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: Burgundy forum factory reset button

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: snowy cumskin

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: Dead trailer park stain

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: Razzmatazz Sooty Son Of Senegal Plaza

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: Dead trailer park stain

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: Razzmatazz Sooty Son Of Senegal Plaza

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: Dead trailer park stain

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)



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Date: February 7th, 2014 3:40 PM
Author: Razzmatazz Sooty Son Of Senegal Plaza

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: Dead trailer park stain

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)



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Date: February 7th, 2014 3:45 PM
Author: Razzmatazz Sooty Son Of Senegal Plaza

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: Dead trailer park stain

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)



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Date: February 7th, 2014 3:32 PM
Author: lascivious shrine

(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: comical flirting range

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)



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Date: February 7th, 2014 3:39 PM
Author: Hateful Love Of Her Life



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



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Date: February 7th, 2014 3:43 PM
Author: Razzmatazz Sooty Son Of Senegal Plaza

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: out-of-control bat shit crazy indirect expression



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



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Date: February 20th, 2017 8:41 AM
Author: coral trust fund



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



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Date: July 8th, 2017 12:26 PM
Author: heady spot



(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: Dead trailer park stain

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)



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Date: February 7th, 2014 3:46 PM
Author: Razzmatazz Sooty Son Of Senegal Plaza

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: Dead trailer park stain

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: insane library incel

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: Dead trailer park stain

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: irate indian lodge selfie

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

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



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Date: April 18th, 2016 9:49 AM
Author: Trip University

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: Laughsome national double fault

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)



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Date: February 7th, 2014 3:50 PM
Author: Hateful Love Of Her Life



(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: Laughsome national double fault

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: Crawly Institution Regret

Twist: Arthur was swimming in student loan debt

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



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Date: February 13th, 2015 5:46 PM
Author: 180 splenetic mediation



(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: Useless charismatic lay party of the first part

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: Avocado school



(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: curious ruddy native

*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)



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Date: February 7th, 2014 4:10 PM
Author: Useless charismatic lay party of the first part

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: amethyst tanning salon headpube

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)



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Date: July 8th, 2017 10:02 AM
Author: amethyst tanning salon headpube

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)



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Date: July 9th, 2017 10:45 AM
Author: idiotic cerebral windowlicker

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)



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Date: February 7th, 2014 4:10 PM
Author: talented rebellious psychic gaping

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)



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Date: February 8th, 2014 8:23 PM
Author: Avocado school

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)



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Date: February 7th, 2014 4:10 PM
Author: Tan office turdskin

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: jet new version

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)



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Date: February 7th, 2014 4:15 PM
Author: Dead trailer park stain

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)



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Date: February 7th, 2014 4:38 PM
Author: Useless charismatic lay party of the first part

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: irradiated set

(cgm)

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



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: Canary Maniacal Idiot Church

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

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



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Date: February 8th, 2014 10:51 AM
Author: Henna zombie-like ape

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: Hateful Love Of Her Life



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: Floppy flushed idea he suggested reading party

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: Hateful Love Of Her Life



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: Thriller rose station cuckold



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



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Date: December 10th, 2014 5:07 PM
Author: Fragrant topaz church building

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: Hateful Love Of Her Life



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: Hateful Love Of Her Life



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: Citrine Doctorate Jewess

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: Hateful Love Of Her Life



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: Hateful Love Of Her Life



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



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Date: February 13th, 2015 5:33 PM
Author: soul-stirring garrison

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: out-of-control bat shit crazy indirect expression

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: Hateful Love Of Her Life



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: soul-stirring garrison

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: Hateful Love Of Her Life



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



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Date: February 13th, 2015 5:44 PM
Author: Dead trailer park stain

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: Hateful Love Of Her Life



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



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Date: February 13th, 2015 5:53 PM
Author: Violet Fantasy-prone Whorehouse Sneaky Criminal

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: aromatic tantric dragon step-uncle's house

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)



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Date: December 29th, 2015 1:41 PM
Author: Hateful Love Of Her Life



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



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Date: April 18th, 2016 7:18 AM
Author: Hateful Love Of Her Life



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



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Date: April 18th, 2016 7:47 AM
Author: cowardly confused stead

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)



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Date: April 18th, 2016 8:17 AM
Author: Contagious temple brethren

wise move

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



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

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

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



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Date: April 18th, 2016 7:49 AM
Author: histrionic corner

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

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



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Date: April 18th, 2016 9:40 AM
Author: Hateful Love Of Her Life



(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: Floppy flushed idea he suggested reading party

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: aphrodisiac brilliant background story

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

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



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Date: April 18th, 2016 8:57 AM
Author: Plum useless brakes

This bort is retarded.

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



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Date: April 18th, 2016 9:04 AM
Author: Chestnut exhilarant piazza

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)



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Date: April 18th, 2016 9:41 AM
Author: Hateful Love Of Her Life



(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: Chestnut exhilarant piazza

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)



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Date: April 18th, 2016 9:20 AM
Author: frisky dashing location

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: offensive mental disorder

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)



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Date: April 18th, 2016 9:45 AM
Author: Hateful Love Of Her Life



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



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Date: April 18th, 2016 9:50 AM
Author: offensive mental disorder

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)



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Date: April 18th, 2016 10:02 AM
Author: Hateful Love Of Her Life



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



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Date: July 8th, 2017 11:01 AM
Author: narrow-minded turquoise chad

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: Slippery naked hominid

*assumes 3% inflation*

*fade in cannibal holocaust theme*

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



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Date: April 18th, 2016 9:24 AM
Author: Ruby Hyperventilating Sanctuary

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)



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Date: February 20th, 2017 3:10 AM
Author: vibrant smoky becky philosopher-king

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)



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Date: February 20th, 2017 7:57 AM
Author: Ruby Hyperventilating Sanctuary

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)



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Date: April 18th, 2016 9:57 AM
Author: Provocative Candlestick Maker Area

saving for retirement is flame. just slide and let do

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



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Date: April 18th, 2016 10:04 AM
Author: Chestnut exhilarant piazza

cr

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



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Date: September 29th, 2016 10:24 AM
Author: heady spot

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

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



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Date: September 29th, 2016 10:03 AM
Author: Hateful Love Of Her Life



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



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Date: September 29th, 2016 1:21 PM
Author: Well-lubricated odious theater

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: Apoplectic Razzle-dazzle Orchestra Pit

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: Citrine Doctorate Jewess

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)



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Date: September 29th, 2016 4:48 PM
Author: Apoplectic Razzle-dazzle Orchestra Pit



(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: Vermilion Godawful Lodge

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)



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Date: July 8th, 2017 9:32 AM
Author: Vermilion Godawful Lodge



(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: At-the-ready Jade Boistinker Home

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: misunderstood field persian

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: self-absorbed sandwich immigrant

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: misunderstood field persian

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)



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Date: July 8th, 2017 9:54 AM
Author: self-absorbed sandwich immigrant

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)



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Date: July 8th, 2017 10:16 AM
Author: orange dilemma feces

(Not a rental property owner)

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



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Date: July 9th, 2017 11:14 AM
Author: idiotic cerebral windowlicker

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: Vermilion Godawful Lodge

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: self-absorbed sandwich immigrant

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: Blathering foreskin address

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: Overrated pink goyim pistol

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: heady spot



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



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Date: July 8th, 2017 12:30 PM
Author: Blathering foreskin address

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)



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Date: July 8th, 2017 12:32 PM
Author: Thriller rose station cuckold

data entry

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



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Date: July 8th, 2017 12:46 PM
Author: Blathering foreskin address

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)



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Date: July 8th, 2017 1:03 PM
Author: Thriller rose station cuckold

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)



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Date: July 8th, 2017 1:04 PM
Author: heady spot

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: heady spot

Admin assistant

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



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Date: July 8th, 2017 12:45 PM
Author: Blathering foreskin address

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)



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Date: July 8th, 2017 12:57 PM
Author: heady spot

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)



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Date: July 8th, 2017 1:26 PM
Author: Pearl Greedy Legal Warrant Principal's Office

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)



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Date: July 9th, 2017 11:10 AM
Author: 180 splenetic mediation

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: Navy legend nursing home

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)



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Date: July 8th, 2017 1:27 PM
Author: Pearl Greedy Legal Warrant Principal's Office

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)



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Date: July 9th, 2017 11:21 AM
Author: Henna zombie-like ape

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)



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Date: August 22nd, 2017 7:26 PM
Author: sienna boyish parlor



(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: fear-inspiring pervert

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)



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Date: September 15th, 2023 11:28 AM
Author: Hateful Love Of Her Life



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



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

how’d we all do?

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



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



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