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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...
Flatulent internet-worthy laser beams doctorate
  02/07/14
(Dave Ramsey)
Charcoal Step-uncle's House Son Of Senegal
  12/10/14
Germany bull
Federal Nighttime Indian Lodge
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
Amber Confused Mood Shitlib
  02/07/14
...
provocative rebellious becky
  02/08/14
yep
lime pontificating theater
  02/07/14
what is the apr on this
Mind-boggling crackhouse windowlicker
  02/07/14
12% lol.
Charismatic Crotch
  02/07/14
fucking boomers
Exciting lemon degenerate location
  02/07/14
...
may his bones be crushed
  04/13/26
...
Flatulent internet-worthy laser beams doctorate
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
boyish rough-skinned church prole
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
Racy Athletic Conference
  02/07/14
180
boyish rough-skinned church prole
  02/07/14
...
House-broken sanctuary
  02/08/14
...
black hilarious institution
  02/13/15
...
Citrine ape puppy
  04/18/16
...
boyish rough-skinned church prole
  02/20/17
...
180 stead haunted graveyard
  02/20/17
...
Citrine ape puppy
  07/08/17
...
Flatulent internet-worthy laser beams doctorate
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
boyish rough-skinned church prole
  02/07/14
...
Flatulent internet-worthy laser beams doctorate
  02/07/14
(guy who recently watched The Secret)
boyish rough-skinned church prole
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
boyish rough-skinned church prole
  02/07/14
(Boomer in 2006 buying third investment property)
boyish rough-skinned church prole
  02/07/14
this will not occur over the next 40 years
Painfully Honest Volcanic Crater Travel Guidebook
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
Excitant police squad
  02/07/14
...
Flatulent internet-worthy laser beams doctorate
  02/07/14
Compare the demographics, foreign competition, and regulator...
Painfully Honest Volcanic Crater Travel Guidebook
  12/10/14
...
Painfully Honest Volcanic Crater Travel Guidebook
  04/18/16
A true genius
Painfully Honest Volcanic Crater Travel Guidebook
  09/29/16
...
shimmering national
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
Painfully Honest Volcanic Crater Travel Guidebook
  04/18/16
Just do assume 12% returns for 45 years
Fishy rehab digit ratio
  02/07/14
...
Flatulent internet-worthy laser beams doctorate
  02/07/14
CR incredibly retarded
Painfully Honest Volcanic Crater Travel Guidebook
  02/07/14
It doesn't change regardless of rate.
Excitant police squad
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
Painfully Honest Volcanic Crater Travel Guidebook
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
milky parlor
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
marvelous shivering den
  02/07/14
...
Flatulent internet-worthy laser beams doctorate
  02/07/14
this will not be the case for the next 50 years
Painfully Honest Volcanic Crater Travel Guidebook
  02/07/14
(Suze Orman after a few too many glasses of wine)
Purple Laughsome Base
  02/07/14
lol'd
Hairraiser Indecent Center
  04/18/16
haha
gay public bath legend
  09/29/16
...
boyish rough-skinned church prole
  02/20/17
...
Excitant police squad
  02/20/17
...
Irradiated clown tanning salon
  02/20/17
...
pale disrespectful voyeur brunch
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
drunken cracking state
  02/07/14
...
Flatulent internet-worthy laser beams doctorate
  02/07/14
Not if returns were negative when/in the years immediately f...
drunken cracking state
  02/07/14
...
Flatulent internet-worthy laser beams doctorate
  02/07/14
? All the hypo supposes is that you start investing in yo...
drunken cracking state
  02/07/14
...
Flatulent internet-worthy laser beams doctorate
  02/07/14
YOUR personal rate of return is different from the market's ...
drunken cracking state
  02/07/14
...
Flatulent internet-worthy laser beams doctorate
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
drunken cracking state
  02/07/14
...
Flatulent internet-worthy laser beams doctorate
  02/07/14
you realize that to obtain the returns you stated above, one...
Racy Athletic Conference
  02/07/14
...
Flatulent internet-worthy laser beams doctorate
  02/07/14
jfc why does she write shit like this
galvanic boiling water senate
  07/09/17
This is true for everything ever.
supple tank multi-billionaire
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
Charismatic Crotch
  02/07/14
U r 36? LOLOL
Amber Confused Mood Shitlib
  02/07/14
34 but I put more money than $2000 per year in there.
Charismatic Crotch
  02/07/14
Damen. How does it feel to be literally half done with life?
Amber Confused Mood Shitlib
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
Charismatic Crotch
  02/07/14
Goal retirement age??
Amber Confused Mood Shitlib
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
Charismatic Crotch
  02/07/14
Any family pressure to get married??
Amber Confused Mood Shitlib
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
Charismatic Crotch
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
chestnut vivacious idiot
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
bateful cowardly field
  02/07/14
...
Flatulent internet-worthy laser beams doctorate
  02/07/14
Doctors are done here
Amber Confused Mood Shitlib
  02/07/14
...
salmon lettuce
  02/13/15
...
heady submissive house stock car
  02/20/17
...
diverse sooty shrine preventive strike
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
Charismatic Crotch
  02/07/14
What were u doing at 22?
Amber Confused Mood Shitlib
  02/07/14
crappy consulting firm do municipal bond analysis.
Charismatic Crotch
  02/07/14
you should've gone into finance, instead. you'd have a milli...
drunken cracking state
  02/07/14
I was too lazy in college, but yeah would have been a good i...
Charismatic Crotch
  02/07/14
$38k was a decent starting salary in 1995...?
Learning Disabled Idea He Suggested
  02/08/14
my gf doesn't even have a credit card. she's 24
flirting claret mediation
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
coiffed multi-colored boltzmann
  02/07/14
...
Flatulent internet-worthy laser beams doctorate
  02/07/14
yes arthur is fucked, ben pwns him
coiffed multi-colored boltzmann
  02/07/14
Twist: Arthur was swimming in student loan debt
boyish rough-skinned church prole
  02/07/14
...
Talented Twinkling Uncleanness
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
Vibrant toilet seat
  02/07/14
...
dark geriatric therapy ceo
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
sexy rigpig karate
  02/07/14
True, the idea that investing early is a good idea sure didn...
Vibrant toilet seat
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
avocado tattoo
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
avocado tattoo
  07/08/17
Right. The person who started investing earlier is still in ...
Self-absorbed Khaki Friendly Grandma
  07/09/17
I think the more interesting hypo is a guy who starts invest...
violent wine trust fund
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
dark geriatric therapy ceo
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
passionate electric furnace
  02/07/14
I still think it's more credited to maintain liquidity and i...
sticky jewess
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
Charismatic Crotch
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
Vibrant toilet seat
  02/07/14
(cgm)
Mahogany Razzmatazz People Who Are Hurt
  02/07/14
What does this look like if you assume 6% returns?
magenta gaping
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
Fuchsia ungodly cruise ship
  02/08/14
...
Flatulent internet-worthy laser beams doctorate
  02/17/14
not really. my parents had very little just 20 years ago...
razzle-dazzle liquid oxygen
  02/08/14
...
Flatulent internet-worthy laser beams doctorate
  02/10/14
...
Electric Abusive Menage Pervert
  07/08/17
So your telling me that if I make a lot of money ill do well...
buff parlour wagecucks
  12/10/14
...
Flatulent internet-worthy laser beams doctorate
  05/14/14
...
Flatulent internet-worthy laser beams doctorate
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
Stirring trailer park halford
  12/10/14
...
Flatulent internet-worthy laser beams doctorate
  12/10/14
...
Flatulent internet-worthy laser beams doctorate
  02/13/15
this is retarded. for most of us, that would have meant soc...
Maize kitty
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
salmon lettuce
  02/13/15
...
Flatulent internet-worthy laser beams doctorate
  02/13/15
we're in a bubble right now, so all of those figures are bul...
Maize kitty
  02/13/15
...
Flatulent internet-worthy laser beams doctorate
  02/13/15
A year later after bitching in this thread, I have fucking $...
Charismatic Crotch
  02/13/15
...
Flatulent internet-worthy laser beams doctorate
  02/13/15
What has your APR been?
coral concupiscible set
  02/13/15
how much money did you have in cash on the sidelines from th...
Thriller temple codepig
  02/13/15
...
Flatulent internet-worthy laser beams doctorate
  12/29/15
...
Flatulent internet-worthy laser beams doctorate
  04/18/16
I remember a teacher showing us this kind of chart back arou...
Chest-beating big resort
  04/18/16
wise move
topaz heaven
  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.
Peach stag film sound barrier
  04/18/16
...
Flatulent internet-worthy laser beams doctorate
  04/18/16
This is false and assumes one continues working a cookie-cut...
razzle-dazzle liquid oxygen
  04/18/16
just do >10% growth every year. worked for bernie madoff
plum out-of-control kitty cat
  04/18/16
This bort is retarded.
Excitant police squad
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
Cheese-eating lascivious forum famous landscape painting
  04/18/16
...
Flatulent internet-worthy laser beams doctorate
  04/18/16
you pointed it out above several times, and each time you go...
Cheese-eating lascivious forum famous landscape painting
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
Appetizing Rigor Principal's Office
  04/18/16
The real reason this chart is dumb is because of inflation. ...
Spruce fragrant meetinghouse patrolman
  04/18/16
...
Flatulent internet-worthy laser beams doctorate
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
Spruce fragrant meetinghouse patrolman
  04/18/16
...
Flatulent internet-worthy laser beams doctorate
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
Misanthropic range
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
Iridescent soul-stirring locale fat ankles
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
Clear contagious death wish
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
Mauve brethren chapel
  02/20/17
I agree generally that returns will be lower. But if you ask...
Clear contagious death wish
  02/20/17
saving for retirement is flame. just slide and let do
Aggressive honey-headed stage
  04/18/16
cr
Cheese-eating lascivious forum famous landscape painting
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
diverse sooty shrine preventive strike
  09/29/16
...
Flatulent internet-worthy laser beams doctorate
  09/29/16
How do they get 10% retune every year
Aromatic canary office
  09/29/16
noob investor question, but isn't this idea kind of self per...
spectacular know-it-all school cafeteria
  09/29/16
Student loan interest exceeds most investment returns so tha...
Stirring trailer park halford
  09/29/16
...
spectacular know-it-all school cafeteria
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
Dashing dilemma associate
  02/20/17
...
Dashing dilemma associate
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
godawful beady-eyed property wrinkle
  07/08/17
COMPOUND INT--*nuke melts face*
anal really tough guy
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
Brindle point trump supporter
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
anal really tough guy
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
Brindle point trump supporter
  07/08/17
(Not a rental property owner)
Painfully Honest Volcanic Crater Travel Guidebook
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
Self-absorbed Khaki Friendly Grandma
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
Dashing dilemma associate
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
Brindle point trump supporter
  07/08/17
now show me the table for $300K at 8% in student loans
cordovan bbw
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
walnut indirect expression gas station
  07/08/17
...
diverse sooty shrine preventive strike
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
cordovan bbw
  07/08/17
data entry
Electric Abusive Menage Pervert
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
cordovan bbw
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
Electric Abusive Menage Pervert
  07/08/17
CR
diverse sooty shrine preventive strike
  07/08/17
Admin assistant
diverse sooty shrine preventive strike
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
cordovan bbw
  07/08/17
According to the chart all you need to invest is like 2k a y...
diverse sooty shrine preventive strike
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
misunderstood sandwich box office
  07/08/17
things barzini knew and did that you did not for $200, alex
Talented Twinkling Uncleanness
  07/09/17
I think a much more sure bet is Social Security taxes being ...
transparent zombie-like locus nowag
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
misunderstood sandwich box office
  07/08/17
Investment compounding is the single biggest scam the inve...
Fuchsia ungodly cruise ship
  07/09/17
...
fighting organic girlfriend fanboi
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
pale disrespectful voyeur brunch
  08/23/17
...
Flatulent internet-worthy laser beams doctorate
  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: Flatulent internet-worthy laser beams doctorate

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

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



Reply Favorite

Date: December 10th, 2014 4:58 PM
Author: Charcoal Step-uncle's House Son Of Senegal

(Dave Ramsey)

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



Reply Favorite

Date: September 15th, 2023 12:25 PM
Author: Federal Nighttime Indian Lodge
Subject: Germany bull

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

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



Reply Favorite

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



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: Amber Confused Mood Shitlib

Brb transferring money to my roth

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



Reply Favorite

Date: February 8th, 2014 10:44 AM
Author: provocative rebellious becky



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: lime pontificating theater

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: Mind-boggling crackhouse windowlicker

what is the apr on this

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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Charismatic Crotch

12% lol.

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



Reply Favorite

Date: February 7th, 2014 3:25 PM
Author: Exciting lemon degenerate location

fucking boomers

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



Reply Favorite

Date: February 7th, 2014 3:28 PM
Author: Flatulent internet-worthy laser beams doctorate



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: boyish rough-skinned church prole

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=2ГѓЖ’#24973943)



Reply Favorite

Date: February 7th, 2014 3:34 PM
Author: Racy Athletic Conference

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=2ГѓЖ’#24973956)



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: boyish rough-skinned church prole

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: House-broken sanctuary



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: black hilarious institution



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: Citrine ape puppy



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: boyish rough-skinned church prole



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: 180 stead haunted graveyard



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: Citrine ape puppy



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: Flatulent internet-worthy laser beams doctorate



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: boyish rough-skinned church prole

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=2ГѓЖ’#24974015)



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: Flatulent internet-worthy laser beams doctorate



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: boyish rough-skinned church prole

(guy who recently watched The Secret)

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



Reply Favorite

Date: February 7th, 2014 3:56 PM
Author: boyish rough-skinned church prole

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

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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: boyish rough-skinned church prole

(Boomer in 2006 buying third investment property)

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



Reply Favorite

Date: February 7th, 2014 3:59 PM
Author: Painfully Honest Volcanic Crater Travel Guidebook

this will not occur over the next 40 years

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



Reply Favorite

Date: February 7th, 2014 4:36 PM
Author: Excitant police squad

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=2ГѓЖ’#24974300)



Reply Favorite

Date: February 7th, 2014 4:40 PM
Author: Flatulent internet-worthy laser beams doctorate



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: Painfully Honest Volcanic Crater Travel Guidebook

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=2ГѓЖ’#26902473)



Reply Favorite

Date: April 18th, 2016 9:12 AM
Author: Painfully Honest Volcanic Crater Travel Guidebook



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: Painfully Honest Volcanic Crater Travel Guidebook

A true genius

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



Reply Favorite

Date: April 18th, 2016 7:41 AM
Author: shimmering national



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: Painfully Honest Volcanic Crater Travel Guidebook

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=2ГѓЖ’#30296264)



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Fishy rehab digit ratio

Just do assume 12% returns for 45 years

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



Reply Favorite

Date: February 7th, 2014 3:29 PM
Author: Flatulent internet-worthy laser beams doctorate



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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: Painfully Honest Volcanic Crater Travel Guidebook

CR incredibly retarded

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



Reply Favorite

Date: April 18th, 2016 8:57 AM
Author: Excitant police squad

It doesn't change regardless of rate.

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



Reply Favorite

Date: April 18th, 2016 9:13 AM
Author: Painfully Honest Volcanic Crater Travel Guidebook

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

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



Reply Favorite

Date: February 20th, 2017 9:25 AM
Author: milky parlor

(finance genius)

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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: marvelous shivering den

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=2ГѓЖ’#24973885)



Reply Favorite

Date: February 7th, 2014 3:29 PM
Author: Flatulent internet-worthy laser beams doctorate



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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: Painfully Honest Volcanic Crater Travel Guidebook

this will not be the case for the next 50 years



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Purple Laughsome Base

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

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



Reply Favorite

Date: April 18th, 2016 9:35 AM
Author: Hairraiser Indecent Center

lol'd

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



Reply Favorite

Date: September 29th, 2016 10:24 AM
Author: gay public bath legend

haha

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



Reply Favorite

Date: February 20th, 2017 1:49 AM
Author: boyish rough-skinned church prole



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



Reply Favorite

Date: February 20th, 2017 8:38 AM
Author: Excitant police squad



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: Irradiated clown tanning salon



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: pale disrespectful voyeur brunch



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: drunken cracking state

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=2ГѓЖ’#24973892)



Reply Favorite

Date: February 7th, 2014 3:30 PM
Author: Flatulent internet-worthy laser beams doctorate



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: drunken cracking state

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=2ГѓЖ’#24973941)



Reply Favorite

Date: February 7th, 2014 3:36 PM
Author: Flatulent internet-worthy laser beams doctorate



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: drunken cracking state

?

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=2ГѓЖ’#24973993)



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Flatulent internet-worthy laser beams doctorate



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: drunken cracking state

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=2ГѓЖ’#24974038)



Reply Favorite

Date: February 7th, 2014 3:49 PM
Author: Flatulent internet-worthy laser beams doctorate



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



Reply Favorite

Date: February 7th, 2014 4:13 PM
Author: drunken cracking state

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=2ГѓЖ’#24974177)



Reply Favorite

Date: February 7th, 2014 4:33 PM
Author: Flatulent internet-worthy laser beams doctorate



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



Reply Favorite

Date: February 7th, 2014 4:35 PM
Author: Racy Athletic Conference

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=2ГѓЖ’#24974293)



Reply Favorite

Date: February 7th, 2014 4:41 PM
Author: Flatulent internet-worthy laser beams doctorate



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



Reply Favorite

Date: July 9th, 2017 11:26 AM
Author: galvanic boiling water senate

jfc why does she write shit like this

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



Reply Favorite

Date: September 29th, 2016 2:14 PM
Author: supple tank multi-billionaire

This is true for everything ever.

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



Reply Favorite

Date: February 7th, 2014 3:25 PM
Author: Charismatic Crotch

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=2ГѓЖ’#24973900)



Reply Favorite

Date: February 7th, 2014 3:30 PM
Author: Amber Confused Mood Shitlib

U r 36? LOLOL

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



Reply Favorite

Date: February 7th, 2014 3:31 PM
Author: Charismatic Crotch

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

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



Reply Favorite

Date: February 7th, 2014 3:36 PM
Author: Amber Confused Mood Shitlib

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

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



Reply Favorite

Date: February 7th, 2014 3:39 PM
Author: Charismatic Crotch

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=2ГѓЖ’#24973988)



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: Amber Confused Mood Shitlib

Goal retirement age??

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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Charismatic Crotch

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=2ГѓЖ’#24974009)



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: Amber Confused Mood Shitlib

Any family pressure to get married??

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



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: Charismatic Crotch

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=2ГѓЖ’#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=2ГѓЖ’#49814674)



Reply Favorite

Date: February 7th, 2014 3:32 PM
Author: chestnut vivacious idiot

(39-year-old, MAF troll)

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



Reply Favorite

Date: February 7th, 2014 3:38 PM
Author: bateful cowardly field

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=2ГѓЖ’#24973984)



Reply Favorite

Date: February 7th, 2014 3:39 PM
Author: Flatulent internet-worthy laser beams doctorate



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Amber Confused Mood Shitlib

Doctors are done here

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



Reply Favorite

Date: February 13th, 2015 5:32 PM
Author: salmon lettuce



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: heady submissive house stock car



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: diverse sooty shrine preventive strike



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: Charismatic Crotch

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=2ГѓЖ’#24974025)



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: Amber Confused Mood Shitlib

What were u doing at 22?

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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: Charismatic Crotch

crappy consulting firm do municipal bond analysis.

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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: drunken cracking state

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=2ГѓЖ’#24974087)



Reply Favorite

Date: February 7th, 2014 3:59 PM
Author: Charismatic Crotch

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=2ГѓЖ’#24974092)



Reply Favorite

Date: February 8th, 2014 10:36 AM
Author: Learning Disabled Idea He Suggested

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

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



Reply Favorite

Date: April 18th, 2016 9:49 AM
Author: flirting claret mediation

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

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



Reply Favorite

Date: February 7th, 2014 3:48 PM
Author: coiffed multi-colored boltzmann

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=2ГѓЖ’#24974041)



Reply Favorite

Date: February 7th, 2014 3:50 PM
Author: Flatulent internet-worthy laser beams doctorate



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: coiffed multi-colored boltzmann

yes arthur is fucked, ben pwns him

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



Reply Favorite

Date: February 7th, 2014 3:51 PM
Author: boyish rough-skinned church prole

Twist: Arthur was swimming in student loan debt

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



Reply Favorite

Date: February 13th, 2015 5:46 PM
Author: Talented Twinkling Uncleanness



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



Reply Favorite

Date: February 7th, 2014 4:01 PM
Author: Vibrant toilet seat

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=2ГѓЖ’#24974098)



Reply Favorite

Date: February 8th, 2014 8:23 PM
Author: dark geriatric therapy ceo



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



Reply Favorite

Date: February 7th, 2014 4:08 PM
Author: sexy rigpig karate

*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=2ГѓЖ’#24974133)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: Vibrant toilet seat

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=2ГѓЖ’#24974151)



Reply Favorite

Date: September 29th, 2016 1:14 PM
Author: avocado tattoo

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=2ГѓЖ’#31521424)



Reply Favorite

Date: July 8th, 2017 10:02 AM
Author: avocado tattoo

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=2ГѓЖ’#33727706)



Reply Favorite

Date: July 9th, 2017 10:45 AM
Author: Self-absorbed Khaki Friendly Grandma

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=2ГѓЖ’#33734072)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: violent wine trust fund

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=2ГѓЖ’#24974146)



Reply Favorite

Date: February 8th, 2014 8:23 PM
Author: dark geriatric therapy ceo

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=2ГѓЖ’#24980361)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: passionate electric furnace

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=2ГѓЖ’#24974148)



Reply Favorite

Date: February 7th, 2014 4:11 PM
Author: sticky jewess

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=2ГѓЖ’#24974156)



Reply Favorite

Date: February 7th, 2014 4:15 PM
Author: Charismatic Crotch

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=2ГѓЖ’#24974195)



Reply Favorite

Date: February 7th, 2014 4:38 PM
Author: Vibrant toilet seat

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=2ГѓЖ’#24974306)



Reply Favorite

Date: February 7th, 2014 4:58 PM
Author: Mahogany Razzmatazz People Who Are Hurt

(cgm)

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



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: magenta gaping

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

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



Reply Favorite

Date: February 8th, 2014 10:51 AM
Author: Fuchsia ungodly cruise ship

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=2ГѓЖ’#24977600)



Reply Favorite

Date: February 17th, 2014 11:13 AM
Author: Flatulent internet-worthy laser beams doctorate



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: razzle-dazzle liquid oxygen

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=2ГѓЖ’#24977623)



Reply Favorite

Date: February 10th, 2014 2:32 PM
Author: Flatulent internet-worthy laser beams doctorate



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: Electric Abusive Menage Pervert



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: buff parlour wagecucks

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=2ГѓЖ’#26902507)



Reply Favorite

Date: May 14th, 2014 9:23 AM
Author: Flatulent internet-worthy laser beams doctorate



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: Flatulent internet-worthy laser beams doctorate



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: Stirring trailer park halford

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=2ГѓЖ’#26902483)



Reply Favorite

Date: December 10th, 2014 5:10 PM
Author: Flatulent internet-worthy laser beams doctorate



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: Flatulent internet-worthy laser beams doctorate



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: Maize kitty

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=2ГѓЖ’#27309317)



Reply Favorite

Date: February 13th, 2015 5:35 PM
Author: salmon lettuce

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=2ГѓЖ’#27309326)



Reply Favorite

Date: February 13th, 2015 5:36 PM
Author: Flatulent internet-worthy laser beams doctorate



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: Maize kitty

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=2ГѓЖ’#27309354)



Reply Favorite

Date: February 13th, 2015 5:50 PM
Author: Flatulent internet-worthy laser beams doctorate



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: Charismatic Crotch

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=2ГѓЖ’#27309399)



Reply Favorite

Date: February 13th, 2015 5:52 PM
Author: Flatulent internet-worthy laser beams doctorate



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



Reply Favorite

Date: February 13th, 2015 5:53 PM
Author: coral concupiscible set

What has your APR been?

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



Reply Favorite

Date: February 13th, 2015 6:18 PM
Author: Thriller temple codepig

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=2ГѓЖ’#27309632)



Reply Favorite

Date: December 29th, 2015 1:41 PM
Author: Flatulent internet-worthy laser beams doctorate



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



Reply Favorite

Date: April 18th, 2016 7:18 AM
Author: Flatulent internet-worthy laser beams doctorate



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



Reply Favorite

Date: April 18th, 2016 7:47 AM
Author: Chest-beating big resort

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=2ГѓЖ’#30296076)



Reply Favorite

Date: April 18th, 2016 8:17 AM
Author: topaz heaven

wise move

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



Reply Favorite

Date: April 18th, 2016 7:49 AM
Author: Peach stag film sound barrier

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

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



Reply Favorite

Date: April 18th, 2016 9:40 AM
Author: Flatulent internet-worthy laser beams doctorate



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



Reply Favorite

Date: April 18th, 2016 7:50 AM
Author: razzle-dazzle liquid oxygen

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=2ГѓЖ’#30296082)



Reply Favorite

Date: April 18th, 2016 8:51 AM
Author: plum out-of-control kitty cat

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

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



Reply Favorite

Date: April 18th, 2016 8:57 AM
Author: Excitant police squad

This bort is retarded.

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



Reply Favorite

Date: April 18th, 2016 9:04 AM
Author: Cheese-eating lascivious forum famous landscape painting

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=2ГѓЖ’#30296237)



Reply Favorite

Date: April 18th, 2016 9:41 AM
Author: Flatulent internet-worthy laser beams doctorate



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



Reply Favorite

Date: April 18th, 2016 10:04 AM
Author: Cheese-eating lascivious forum famous landscape painting

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=2ГѓЖ’#30296421)



Reply Favorite

Date: April 18th, 2016 9:20 AM
Author: Appetizing Rigor Principal's Office

http://imgur.com/gnMx2MX

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

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



Reply Favorite

Date: April 18th, 2016 9:20 AM
Author: Spruce fragrant meetinghouse patrolman

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=2ГѓЖ’#30296293)



Reply Favorite

Date: April 18th, 2016 9:45 AM
Author: Flatulent internet-worthy laser beams doctorate



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



Reply Favorite

Date: April 18th, 2016 9:50 AM
Author: Spruce fragrant meetinghouse patrolman

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=2ГѓЖ’#30296396)



Reply Favorite

Date: April 18th, 2016 10:02 AM
Author: Flatulent internet-worthy laser beams doctorate



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



Reply Favorite

Date: July 8th, 2017 11:01 AM
Author: Misanthropic range

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

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



Reply Favorite

Date: September 15th, 2023 11:41 AM
Author: Iridescent soul-stirring locale fat ankles

*assumes 3% inflation*

*fade in cannibal holocaust theme*

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



Reply Favorite

Date: April 18th, 2016 9:24 AM
Author: Clear contagious death wish

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=2ГѓЖ’#30296303)



Reply Favorite

Date: February 20th, 2017 3:10 AM
Author: Mauve brethren chapel

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=2ГѓЖ’#32659870)



Reply Favorite

Date: February 20th, 2017 7:57 AM
Author: Clear contagious death wish

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=2ГѓЖ’#32660046)



Reply Favorite

Date: April 18th, 2016 9:57 AM
Author: Aggressive honey-headed stage

saving for retirement is flame. just slide and let do

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



Reply Favorite

Date: April 18th, 2016 10:04 AM
Author: Cheese-eating lascivious forum famous landscape painting

cr

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



Reply Favorite

Date: September 29th, 2016 10:24 AM
Author: diverse sooty shrine preventive strike

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

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



Reply Favorite

Date: September 29th, 2016 10:03 AM
Author: Flatulent internet-worthy laser beams doctorate



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



Reply Favorite

Date: September 29th, 2016 1:21 PM
Author: Aromatic canary office

How do they get 10% retune every year

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



Reply Favorite

Date: September 29th, 2016 2:04 PM
Author: spectacular know-it-all school cafeteria

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=2ГѓЖ’#31521755)



Reply Favorite

Date: September 29th, 2016 2:12 PM
Author: Stirring trailer park halford

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=2ГѓЖ’#31521840)



Reply Favorite

Date: September 29th, 2016 4:48 PM
Author: spectacular know-it-all school cafeteria



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



Reply Favorite

Date: February 20th, 2017 8:11 AM
Author: Dashing dilemma associate

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=2ГѓЖ’#32660068)



Reply Favorite

Date: July 8th, 2017 9:32 AM
Author: Dashing dilemma associate



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



Reply Favorite

Date: July 8th, 2017 9:40 AM
Author: godawful beady-eyed property wrinkle

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

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



Reply Favorite

Date: July 8th, 2017 9:46 AM
Author: anal really tough guy

COMPOUND INT--*nuke melts face*

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



Reply Favorite

Date: July 8th, 2017 9:50 AM
Author: Brindle point trump supporter

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=2ГѓЖ’#33727671)



Reply Favorite

Date: July 8th, 2017 9:52 AM
Author: anal really tough guy

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=2ГѓЖ’#33727675)



Reply Favorite

Date: July 8th, 2017 9:54 AM
Author: Brindle point trump supporter

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=2ГѓЖ’#33727681)



Reply Favorite

Date: July 8th, 2017 10:16 AM
Author: Painfully Honest Volcanic Crater Travel Guidebook

(Not a rental property owner)

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



Reply Favorite

Date: July 9th, 2017 11:14 AM
Author: Self-absorbed Khaki Friendly Grandma

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=2ГѓЖ’#33734178)



Reply Favorite

Date: July 8th, 2017 10:05 AM
Author: Dashing dilemma associate

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

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



Reply Favorite

Date: July 8th, 2017 10:06 AM
Author: Brindle point trump supporter

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=2ГѓЖ’#33727719)



Reply Favorite

Date: July 8th, 2017 12:06 PM
Author: cordovan bbw

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

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



Reply Favorite

Date: July 8th, 2017 12:13 PM
Author: walnut indirect expression gas station

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=2ГѓЖ’#33728056)



Reply Favorite

Date: July 8th, 2017 12:28 PM
Author: diverse sooty shrine preventive strike



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



Reply Favorite

Date: July 8th, 2017 12:30 PM
Author: cordovan bbw

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=2ГѓЖ’#33728113)



Reply Favorite

Date: July 8th, 2017 12:32 PM
Author: Electric Abusive Menage Pervert

data entry

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



Reply Favorite

Date: July 8th, 2017 12:46 PM
Author: cordovan bbw

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=2ГѓЖ’#33728151)



Reply Favorite

Date: July 8th, 2017 1:03 PM
Author: Electric Abusive Menage Pervert

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=2ГѓЖ’#33728219)



Reply Favorite

Date: July 8th, 2017 1:04 PM
Author: diverse sooty shrine preventive strike

CR

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



Reply Favorite

Date: July 8th, 2017 12:32 PM
Author: diverse sooty shrine preventive strike

Admin assistant

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



Reply Favorite

Date: July 8th, 2017 12:45 PM
Author: cordovan bbw

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=2ГѓЖ’#33728148)



Reply Favorite

Date: July 8th, 2017 12:57 PM
Author: diverse sooty shrine preventive strike

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=2ГѓЖ’#33728193)



Reply Favorite

Date: July 8th, 2017 1:26 PM
Author: misunderstood sandwich box 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=2ГѓЖ’#33728308)



Reply Favorite

Date: July 9th, 2017 11:10 AM
Author: Talented Twinkling Uncleanness

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

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



Reply Favorite

Date: July 8th, 2017 12:45 PM
Author: transparent zombie-like locus nowag

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=2ГѓЖ’#33728150)



Reply Favorite

Date: July 8th, 2017 1:27 PM
Author: misunderstood sandwich box 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=2ГѓЖ’#33728311)



Reply Favorite

Date: July 9th, 2017 11:21 AM
Author: Fuchsia ungodly cruise ship

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=2ГѓЖ’#33734215)



Reply Favorite

Date: August 22nd, 2017 7:26 PM
Author: fighting organic girlfriend fanboi



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



Reply Favorite

Date: August 23rd, 2017 11:19 AM
Author: pale disrespectful voyeur brunch

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=2ГѓЖ’#34051890)



Reply Favorite

Date: September 15th, 2023 11:28 AM
Author: Flatulent internet-worthy laser beams doctorate



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



Reply Favorite

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

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

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



Reply Favorite

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



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