\
  The most prestigious law school admissions discussion board in the world.
BackRefresh Options Favorite

You're FUCKED if you don't save $ in your early 20s. Here's why

https://i.pinimg.com/736x/2e/d6/5d/2ed65d34dbac86519947d298d...
Judgmental lodge
  02/07/14
(Dave Ramsey)
Heady state
  12/10/14
Germany bull
maize locale
  09/15/23
...
avocado geriatric clown public bath
  04/13/26
Brb transferring money to my roth
disgusting garrison
  02/07/14
...
Buck-toothed bbw
  02/08/14
yep
confused chestnut parlour pisswyrm
  02/07/14
what is the apr on this
fragrant pistol boltzmann
  02/07/14
12% lol.
Laughsome flushed affirmative action
  02/07/14
fucking boomers
Multi-colored kink-friendly messiness native
  02/07/14
...
Carmine demanding candlestick maker sound barrier
  04/13/26
...
Judgmental lodge
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
buff cruel-hearted principal's office
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
alcoholic hairy legs
  02/07/14
180
buff cruel-hearted principal's office
  02/07/14
...
startled hall
  02/08/14
...
Medicated school cafeteria
  02/13/15
...
Electric misunderstood lay
  04/18/16
...
buff cruel-hearted principal's office
  02/20/17
...
Offensive rehab pozpig
  02/20/17
...
Electric misunderstood lay
  07/08/17
...
Judgmental lodge
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
buff cruel-hearted principal's office
  02/07/14
...
Judgmental lodge
  02/07/14
(guy who recently watched The Secret)
buff cruel-hearted principal's office
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
buff cruel-hearted principal's office
  02/07/14
(Boomer in 2006 buying third investment property)
buff cruel-hearted principal's office
  02/07/14
this will not occur over the next 40 years
narrow-minded chapel dysfunction
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
Tan Charismatic Therapy
  02/07/14
...
Judgmental lodge
  02/07/14
Compare the demographics, foreign competition, and regulator...
narrow-minded chapel dysfunction
  12/10/14
...
narrow-minded chapel dysfunction
  04/18/16
A true genius
narrow-minded chapel dysfunction
  09/29/16
...
exhilarant high-end plaza
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
narrow-minded chapel dysfunction
  04/18/16
Just do assume 12% returns for 45 years
Razzle indecent azn pocket flask
  02/07/14
...
Judgmental lodge
  02/07/14
CR incredibly retarded
narrow-minded chapel dysfunction
  02/07/14
It doesn't change regardless of rate.
Tan Charismatic Therapy
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
narrow-minded chapel dysfunction
  04/18/16
...
Carmine demanding candlestick maker sound barrier
  04/13/26
(finance genius)
mildly autistic idea he suggested mediation
  02/20/17
So far so good
Rough-skinned bateful fat ankles heaven
  04/13/26
That's a pretty cool investment that goes up 10% every year....
indigo business firm jewess
  02/07/14
...
Judgmental lodge
  02/07/14
this will not be the case for the next 50 years
narrow-minded chapel dysfunction
  02/07/14
(Suze Orman after a few too many glasses of wine)
comical unholy address potus
  02/07/14
lol'd
hairraiser gas station
  04/18/16
haha
flesh marvelous genital piercing dog poop
  09/29/16
...
buff cruel-hearted principal's office
  02/20/17
...
Tan Charismatic Therapy
  02/20/17
...
Deranged step-uncle's house
  02/20/17
...
Swashbuckling obsidian sanctuary
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
Adulterous naked university
  02/07/14
...
Judgmental lodge
  02/07/14
Not if returns were negative when/in the years immediately f...
Adulterous naked university
  02/07/14
...
Judgmental lodge
  02/07/14
? All the hypo supposes is that you start investing in yo...
Adulterous naked university
  02/07/14
...
Judgmental lodge
  02/07/14
YOUR personal rate of return is different from the market's ...
Adulterous naked university
  02/07/14
...
Judgmental lodge
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
Adulterous naked university
  02/07/14
...
Judgmental lodge
  02/07/14
you realize that to obtain the returns you stated above, one...
alcoholic hairy legs
  02/07/14
...
Judgmental lodge
  02/07/14
jfc why does she write shit like this
umber house community account
  07/09/17
This is true for everything ever.
galvanic rose tanning salon crotch
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
Laughsome flushed affirmative action
  02/07/14
U r 36? LOLOL
disgusting garrison
  02/07/14
34 but I put more money than $2000 per year in there.
Laughsome flushed affirmative action
  02/07/14
Damen. How does it feel to be literally half done with life?
disgusting garrison
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
Laughsome flushed affirmative action
  02/07/14
Goal retirement age??
disgusting garrison
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
Laughsome flushed affirmative action
  02/07/14
Any family pressure to get married??
disgusting garrison
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
Laughsome flushed affirmative action
  02/07/14
I'm 56 now
Carmine demanding candlestick maker sound barrier
  04/13/26
(39-year-old, MAF troll)
cheese-eating ungodly shrine
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
green cerebral site
  02/07/14
...
Judgmental lodge
  02/07/14
Doctors are done here
disgusting garrison
  02/07/14
...
Vibrant Feces
  02/13/15
...
Translucent ape incel
  02/20/17
...
tripping roommate
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
Laughsome flushed affirmative action
  02/07/14
What were u doing at 22?
disgusting garrison
  02/07/14
crappy consulting firm do municipal bond analysis.
Laughsome flushed affirmative action
  02/07/14
you should've gone into finance, instead. you'd have a milli...
Adulterous naked university
  02/07/14
I was too lazy in college, but yeah would have been a good i...
Laughsome flushed affirmative action
  02/07/14
$38k was a decent starting salary in 1995...?
brilliant round eye
  02/08/14
my gf doesn't even have a credit card. she's 24
iridescent degenerate spot
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
Violet vigorous mother
  02/07/14
...
Judgmental lodge
  02/07/14
yes arthur is fucked, ben pwns him
Violet vigorous mother
  02/07/14
Twist: Arthur was swimming in student loan debt
buff cruel-hearted principal's office
  02/07/14
...
adventurous base nowag
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
Histrionic abode sandwich
  02/07/14
...
milky corn cake
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
Talented legal warrant senate
  02/07/14
True, the idea that investing early is a good idea sure didn...
Histrionic abode sandwich
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
chest-beating station
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
chest-beating station
  07/08/17
Right. The person who started investing earlier is still in ...
appetizing crackhouse
  07/09/17
I think the more interesting hypo is a guy who starts invest...
Stirring Sneaky Criminal Immigrant
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
milky corn cake
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
Cowardly space voyeur
  02/07/14
I still think it's more credited to maintain liquidity and i...
Zombie-like indian lodge
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
Laughsome flushed affirmative action
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
Histrionic abode sandwich
  02/07/14
(cgm)
smoky hideous range
  02/07/14
What does this look like if you assume 6% returns?
Vivacious hilarious psychic tattoo
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
Lime Friendly Grandma
  02/08/14
...
Judgmental lodge
  02/17/14
not really. my parents had very little just 20 years ago...
dark exciting library laser beams
  02/08/14
...
Judgmental lodge
  02/10/14
...
domesticated spectacular school useless brakes
  07/08/17
So your telling me that if I make a lot of money ill do well...
Magical property dopamine
  12/10/14
...
Judgmental lodge
  05/14/14
...
Judgmental lodge
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
Ultramarine famous landscape painting casino
  12/10/14
...
Judgmental lodge
  12/10/14
...
Judgmental lodge
  02/13/15
this is retarded. for most of us, that would have meant soc...
pale bipolar corner windowlicker
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
Vibrant Feces
  02/13/15
...
Judgmental lodge
  02/13/15
we're in a bubble right now, so all of those figures are bul...
pale bipolar corner windowlicker
  02/13/15
...
Judgmental lodge
  02/13/15
A year later after bitching in this thread, I have fucking $...
Laughsome flushed affirmative action
  02/13/15
...
Judgmental lodge
  02/13/15
What has your APR been?
Mind-boggling Balding National
  02/13/15
how much money did you have in cash on the sidelines from th...
cracking blue love of her life
  02/13/15
...
Judgmental lodge
  12/29/15
...
Judgmental lodge
  04/18/16
I remember a teacher showing us this kind of chart back arou...
Purple boyish doctorate
  04/18/16
wise move
Passionate Twinkling Uncleanness
  04/18/16
I brought up shit like fees and realistic rates and the guy ...
Carmine demanding candlestick maker sound barrier
  04/13/26
Too late now. Might as well YOLO out of control.
insanely creepy forum
  04/18/16
...
Judgmental lodge
  04/18/16
This is false and assumes one continues working a cookie-cut...
dark exciting library laser beams
  04/18/16
just do >10% growth every year. worked for bernie madoff
bronze mental disorder
  04/18/16
This bort is retarded.
Tan Charismatic Therapy
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
insecure big rigor black woman
  04/18/16
...
Judgmental lodge
  04/18/16
you pointed it out above several times, and each time you go...
insecure big rigor black woman
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
Crawly ocher turdskin
  04/18/16
The real reason this chart is dumb is because of inflation. ...
white coldplay fan
  04/18/16
...
Judgmental lodge
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
white coldplay fan
  04/18/16
...
Judgmental lodge
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
Irate patrolman
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
Insane Aqua Gaping
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
honey-headed church building gaming laptop
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
seedy curious hell
  02/20/17
I agree generally that returns will be lower. But if you ask...
honey-headed church building gaming laptop
  02/20/17
saving for retirement is flame. just slide and let do
french odious philosopher-king
  04/18/16
cr
insecure big rigor black woman
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
tripping roommate
  09/29/16
...
Judgmental lodge
  09/29/16
How do they get 10% retune every year
gay rebellious point
  09/29/16
noob investor question, but isn't this idea kind of self per...
House-broken Set Liquid Oxygen
  09/29/16
Student loan interest exceeds most investment returns so tha...
Ultramarine famous landscape painting casino
  09/29/16
...
House-broken Set Liquid Oxygen
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
aromatic regret deer antler
  02/20/17
...
aromatic regret deer antler
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
Frozen Razzmatazz Karate Place Of Business
  07/08/17
COMPOUND INT--*nuke melts face*
Carmine demanding candlestick maker sound barrier
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
sick juggernaut
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
Carmine demanding candlestick maker sound barrier
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
sick juggernaut
  07/08/17
(Not a rental property owner)
narrow-minded chapel dysfunction
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
appetizing crackhouse
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
aromatic regret deer antler
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
sick juggernaut
  07/08/17
now show me the table for $300K at 8% in student loans
sadistic marketing idea
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
beta opaque location stock car
  07/08/17
...
tripping roommate
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
sadistic marketing idea
  07/08/17
data entry
domesticated spectacular school useless brakes
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
sadistic marketing idea
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
domesticated spectacular school useless brakes
  07/08/17
CR
tripping roommate
  07/08/17
Admin assistant
tripping roommate
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
sadistic marketing idea
  07/08/17
According to the chart all you need to invest is like 2k a y...
tripping roommate
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
provocative bull headed halford keepsake machete
  07/08/17
things barzini knew and did that you did not for $200, alex
adventurous base nowag
  07/09/17
I think a much more sure bet is Social Security taxes being ...
Excitant tantric national security agency
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
provocative bull headed halford keepsake machete
  07/08/17
Investment compounding is the single biggest scam the inve...
Lime Friendly Grandma
  07/09/17
...
territorial faggot firefighter background story
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
Swashbuckling obsidian sanctuary
  08/23/17
...
Judgmental lodge
  09/15/23
how’d we all do?
aromatic regret deer antler
  04/13/26
Not flame bc of the OP I invested $35k and it’s worth ...
aggressive generalized bond center
  04/13/26
...
avocado geriatric clown public bath
  04/13/26


Poast new message in this thread



Reply Favorite

Date: February 7th, 2014 3:20 PM
Author: Judgmental lodge

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: Heady state

(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: maize locale
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: avocado geriatric clown public bath



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: disgusting garrison

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: Buck-toothed bbw



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: confused chestnut parlour pisswyrm

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: fragrant pistol boltzmann

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: Laughsome flushed affirmative action

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: Multi-colored kink-friendly messiness native

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: Carmine demanding candlestick maker sound barrier



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



Reply Favorite

Date: February 7th, 2014 3:28 PM
Author: Judgmental lodge



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: buff cruel-hearted principal's office

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: alcoholic 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=2ГѓЖ’#24973956)



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: buff cruel-hearted principal's office

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: startled hall



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: Medicated school cafeteria



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: Electric misunderstood lay



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: buff cruel-hearted principal's office



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: Offensive rehab pozpig



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: Electric misunderstood lay



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: Judgmental lodge



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: buff cruel-hearted principal's office

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: Judgmental lodge



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: buff cruel-hearted principal's office

(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: buff cruel-hearted principal's office

(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: buff cruel-hearted principal's office

(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: narrow-minded chapel dysfunction

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: Tan Charismatic Therapy

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: Judgmental lodge



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: narrow-minded chapel dysfunction

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: narrow-minded chapel dysfunction



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: narrow-minded chapel dysfunction

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: exhilarant high-end plaza



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: narrow-minded chapel dysfunction

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: Razzle indecent azn pocket flask

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: Judgmental lodge



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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: narrow-minded chapel dysfunction

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: Tan Charismatic Therapy

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: narrow-minded chapel dysfunction

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: Carmine demanding candlestick maker sound barrier



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



Reply Favorite

Date: February 20th, 2017 9:25 AM
Author: mildly autistic idea he suggested mediation

(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: Rough-skinned bateful fat ankles heaven

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: indigo business firm jewess

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: Judgmental lodge



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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: narrow-minded chapel dysfunction

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: comical unholy address potus

(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 gas station

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: flesh marvelous genital piercing dog poop

haha

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



Reply Favorite

Date: February 20th, 2017 1:49 AM
Author: buff cruel-hearted principal's office



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



Reply Favorite

Date: February 20th, 2017 8:38 AM
Author: Tan Charismatic Therapy



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: Deranged step-uncle's house



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: Swashbuckling obsidian sanctuary



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Adulterous naked university

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: Judgmental lodge



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Adulterous naked university

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: Judgmental lodge



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: Adulterous naked university

?

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: Judgmental lodge



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Adulterous naked university

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: Judgmental lodge



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



Reply Favorite

Date: February 7th, 2014 4:13 PM
Author: Adulterous naked university

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: Judgmental lodge



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



Reply Favorite

Date: February 7th, 2014 4:35 PM
Author: alcoholic 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=2ГѓЖ’#24974293)



Reply Favorite

Date: February 7th, 2014 4:41 PM
Author: Judgmental lodge



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



Reply Favorite

Date: July 9th, 2017 11:26 AM
Author: umber house community account

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: galvanic rose tanning salon crotch

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: Laughsome flushed affirmative action

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: disgusting garrison

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: Laughsome flushed affirmative action

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: disgusting garrison

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: Laughsome flushed affirmative action

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: disgusting garrison

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: Laughsome flushed affirmative action

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: disgusting garrison

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: Laughsome flushed affirmative action

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: Carmine demanding candlestick maker sound barrier

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: cheese-eating ungodly shrine

(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: green cerebral site

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: Judgmental lodge



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: disgusting garrison

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: Vibrant Feces



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: Translucent ape incel



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: tripping roommate



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: Laughsome flushed affirmative action

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: disgusting garrison

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: Laughsome flushed affirmative action

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: Adulterous naked university

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: Laughsome flushed affirmative action

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: brilliant round eye

$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: iridescent degenerate spot

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: Violet vigorous mother

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: Judgmental lodge



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: Violet vigorous mother

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: buff cruel-hearted principal's office

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: adventurous base nowag



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



Reply Favorite

Date: February 7th, 2014 4:01 PM
Author: Histrionic abode sandwich

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: milky corn cake



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



Reply Favorite

Date: February 7th, 2014 4:08 PM
Author: Talented legal warrant senate

*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: Histrionic abode sandwich

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: chest-beating station

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: chest-beating station

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: appetizing crackhouse

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: Stirring Sneaky Criminal Immigrant

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: milky corn cake

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: Cowardly space voyeur

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: Zombie-like indian lodge

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: Laughsome flushed affirmative action

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: Histrionic abode sandwich

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: smoky hideous range

(cgm)

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



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: Vivacious hilarious psychic tattoo

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: Lime Friendly Grandma

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: Judgmental lodge



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: dark exciting library laser beams

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: Judgmental lodge



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: domesticated spectacular school useless brakes



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: Magical property dopamine

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: Judgmental lodge



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: Judgmental lodge



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: Ultramarine famous landscape painting casino

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: Judgmental lodge



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: Judgmental lodge



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: pale bipolar corner windowlicker

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: Vibrant Feces

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: Judgmental lodge



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: pale bipolar corner windowlicker

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: Judgmental lodge



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: Laughsome flushed affirmative action

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: Judgmental lodge



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



Reply Favorite

Date: February 13th, 2015 5:53 PM
Author: Mind-boggling Balding National

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: cracking blue love of her life

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: Judgmental lodge



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



Reply Favorite

Date: April 18th, 2016 7:18 AM
Author: Judgmental lodge



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



Reply Favorite

Date: April 18th, 2016 7:47 AM
Author: Purple boyish doctorate

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: Passionate Twinkling Uncleanness

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: Carmine demanding candlestick maker sound barrier

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: insanely creepy forum

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: Judgmental lodge



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



Reply Favorite

Date: April 18th, 2016 7:50 AM
Author: dark exciting library laser beams

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: bronze mental disorder

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: Tan Charismatic Therapy

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: insecure big rigor black woman

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: Judgmental lodge



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



Reply Favorite

Date: April 18th, 2016 10:04 AM
Author: insecure big rigor black woman

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: Crawly ocher turdskin

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: white coldplay fan

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: Judgmental lodge



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



Reply Favorite

Date: April 18th, 2016 9:50 AM
Author: white coldplay fan

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: Judgmental lodge



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



Reply Favorite

Date: July 8th, 2017 11:01 AM
Author: Irate patrolman

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: Insane Aqua Gaping

*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: honey-headed church building gaming laptop

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: seedy curious hell

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: honey-headed church building gaming laptop

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: french odious philosopher-king

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: insecure big rigor black woman

cr

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



Reply Favorite

Date: September 29th, 2016 10:24 AM
Author: tripping roommate

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: Judgmental lodge



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



Reply Favorite

Date: September 29th, 2016 1:21 PM
Author: gay rebellious point

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: House-broken Set Liquid Oxygen

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

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

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



Reply Favorite

Date: September 29th, 2016 2:12 PM
Author: Ultramarine famous landscape painting casino

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: House-broken Set Liquid Oxygen



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



Reply Favorite

Date: February 20th, 2017 8:11 AM
Author: aromatic regret deer antler

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: aromatic regret deer antler



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



Reply Favorite

Date: July 8th, 2017 9:40 AM
Author: Frozen Razzmatazz Karate Place Of Business

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: Carmine demanding candlestick maker sound barrier

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: sick juggernaut

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: Carmine demanding candlestick maker sound barrier

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: sick juggernaut

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: narrow-minded chapel dysfunction

(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: appetizing crackhouse

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: aromatic regret deer antler

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: sick juggernaut

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: sadistic marketing idea

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: beta opaque location stock car

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: tripping roommate



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



Reply Favorite

Date: July 8th, 2017 12:30 PM
Author: sadistic marketing idea

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: domesticated spectacular school useless brakes

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: sadistic marketing idea

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: domesticated spectacular school useless brakes

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: tripping roommate

CR

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



Reply Favorite

Date: July 8th, 2017 12:32 PM
Author: tripping roommate

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: sadistic marketing idea

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: tripping roommate

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: provocative bull headed halford keepsake machete

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: adventurous base nowag

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: Excitant tantric national security agency

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: provocative bull headed halford keepsake machete

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: Lime Friendly Grandma

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: territorial faggot firefighter background story



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



Reply Favorite

Date: August 23rd, 2017 11:19 AM
Author: Swashbuckling obsidian sanctuary

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: Judgmental lodge



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



Reply Favorite

Date: April 13th, 2026 1:45 PM
Author: aromatic regret deer antler

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: aggressive generalized bond center

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: avocado geriatric clown public bath



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