\
  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...
cordovan locale cuckold
  02/07/14
(Dave Ramsey)
Thriller copper library striped hyena
  12/10/14
Germany bull
Stirring theatre
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
brass corner
  02/07/14
...
azure mental disorder
  02/08/14
yep
idiotic point
  02/07/14
what is the apr on this
bateful poppy elastic band
  02/07/14
12% lol.
Offensive chapel
  02/07/14
fucking boomers
amber spot
  02/07/14
...
may his bones be crushed
  04/13/26
...
cordovan locale cuckold
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
chrome racy internal respiration set
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
tripping charismatic parlor
  02/07/14
180
chrome racy internal respiration set
  02/07/14
...
rebellious shrine
  02/08/14
...
puce center
  02/13/15
...
tantric shitlib
  04/18/16
...
chrome racy internal respiration set
  02/20/17
...
Vigorous church trust fund
  02/20/17
...
tantric shitlib
  07/08/17
...
cordovan locale cuckold
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
chrome racy internal respiration set
  02/07/14
...
cordovan locale cuckold
  02/07/14
(guy who recently watched The Secret)
chrome racy internal respiration set
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
chrome racy internal respiration set
  02/07/14
(Boomer in 2006 buying third investment property)
chrome racy internal respiration set
  02/07/14
this will not occur over the next 40 years
Indecent orchestra pit halford
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
swashbuckling church building
  02/07/14
...
cordovan locale cuckold
  02/07/14
Compare the demographics, foreign competition, and regulator...
Indecent orchestra pit halford
  12/10/14
...
Indecent orchestra pit halford
  04/18/16
A true genius
Indecent orchestra pit halford
  09/29/16
...
Stimulating Doctorate Boiling Water
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
Indecent orchestra pit halford
  04/18/16
Just do assume 12% returns for 45 years
avocado bossy factory reset button pit
  02/07/14
...
cordovan locale cuckold
  02/07/14
CR incredibly retarded
Indecent orchestra pit halford
  02/07/14
It doesn't change regardless of rate.
swashbuckling church building
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
Indecent orchestra pit halford
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
Histrionic nudist institution associate
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
Confused home therapy
  02/07/14
...
cordovan locale cuckold
  02/07/14
this will not be the case for the next 50 years
Indecent orchestra pit halford
  02/07/14
(Suze Orman after a few too many glasses of wine)
Curious sneaky criminal
  02/07/14
lol'd
Appetizing twinkling uncleanness
  04/18/16
haha
primrose concupiscible boistinker university
  09/29/16
...
chrome racy internal respiration set
  02/20/17
...
swashbuckling church building
  02/20/17
...
arrogant legend stain
  02/20/17
...
frum house
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
Arousing orange patrolman scourge upon the earth
  02/07/14
...
cordovan locale cuckold
  02/07/14
Not if returns were negative when/in the years immediately f...
Arousing orange patrolman scourge upon the earth
  02/07/14
...
cordovan locale cuckold
  02/07/14
? All the hypo supposes is that you start investing in yo...
Arousing orange patrolman scourge upon the earth
  02/07/14
...
cordovan locale cuckold
  02/07/14
YOUR personal rate of return is different from the market's ...
Arousing orange patrolman scourge upon the earth
  02/07/14
...
cordovan locale cuckold
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
Arousing orange patrolman scourge upon the earth
  02/07/14
...
cordovan locale cuckold
  02/07/14
you realize that to obtain the returns you stated above, one...
tripping charismatic parlor
  02/07/14
...
cordovan locale cuckold
  02/07/14
jfc why does she write shit like this
Flushed Blathering Native
  07/09/17
This is true for everything ever.
Twinkling fanboi voyeur
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
Offensive chapel
  02/07/14
U r 36? LOLOL
brass corner
  02/07/14
34 but I put more money than $2000 per year in there.
Offensive chapel
  02/07/14
Damen. How does it feel to be literally half done with life?
brass corner
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
Offensive chapel
  02/07/14
Goal retirement age??
brass corner
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
Offensive chapel
  02/07/14
Any family pressure to get married??
brass corner
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
Offensive chapel
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
Electric Principal's Office
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
Saffron locus mad-dog skullcap
  02/07/14
...
cordovan locale cuckold
  02/07/14
Doctors are done here
brass corner
  02/07/14
...
Shimmering stage jewess
  02/13/15
...
excitant ticket booth
  02/20/17
...
irradiated kink-friendly rehab
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
Offensive chapel
  02/07/14
What were u doing at 22?
brass corner
  02/07/14
crappy consulting firm do municipal bond analysis.
Offensive chapel
  02/07/14
you should've gone into finance, instead. you'd have a milli...
Arousing orange patrolman scourge upon the earth
  02/07/14
I was too lazy in college, but yeah would have been a good i...
Offensive chapel
  02/07/14
$38k was a decent starting salary in 1995...?
mauve exhilarant athletic conference
  02/08/14
my gf doesn't even have a credit card. she's 24
flatulent glittery school tattoo
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
orchid mewling ape gaping
  02/07/14
...
cordovan locale cuckold
  02/07/14
yes arthur is fucked, ben pwns him
orchid mewling ape gaping
  02/07/14
Twist: Arthur was swimming in student loan debt
chrome racy internal respiration set
  02/07/14
...
metal wonderful theater stage
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
Embarrassed To The Bone Jet-lagged Keepsake Machete Genital Piercing
  02/07/14
...
lilac black woman
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
frozen hairraiser national
  02/07/14
True, the idea that investing early is a good idea sure didn...
Embarrassed To The Bone Jet-lagged Keepsake Machete Genital Piercing
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
turquoise cracking rigor codepig
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
turquoise cracking rigor codepig
  07/08/17
Right. The person who started investing earlier is still in ...
dashing henna temple fortuitous meteor
  07/09/17
I think the more interesting hypo is a guy who starts invest...
Greedy menage masturbator
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
lilac black woman
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
Khaki Stubborn Resort
  02/07/14
I still think it's more credited to maintain liquidity and i...
sinister violent space
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
Offensive chapel
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
Embarrassed To The Bone Jet-lagged Keepsake Machete Genital Piercing
  02/07/14
(cgm)
Exciting fishy step-uncle's house
  02/07/14
What does this look like if you assume 6% returns?
Crawly indigo garrison french chef
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
heady death wish wrinkle
  02/08/14
...
cordovan locale cuckold
  02/17/14
not really. my parents had very little just 20 years ago...
Boyish violent main people
  02/08/14
...
cordovan locale cuckold
  02/10/14
...
razzmatazz slippery kitchen
  07/08/17
So your telling me that if I make a lot of money ill do well...
useless liquid oxygen property
  12/10/14
...
cordovan locale cuckold
  05/14/14
...
cordovan locale cuckold
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
Fuchsia prole mother
  12/10/14
...
cordovan locale cuckold
  12/10/14
...
cordovan locale cuckold
  02/13/15
this is retarded. for most of us, that would have meant soc...
Clear Hospital Background Story
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
Shimmering stage jewess
  02/13/15
...
cordovan locale cuckold
  02/13/15
we're in a bubble right now, so all of those figures are bul...
Clear Hospital Background Story
  02/13/15
...
cordovan locale cuckold
  02/13/15
A year later after bitching in this thread, I have fucking $...
Offensive chapel
  02/13/15
...
cordovan locale cuckold
  02/13/15
What has your APR been?
deep galvanic hominid
  02/13/15
how much money did you have in cash on the sidelines from th...
Opaque mexican office
  02/13/15
...
cordovan locale cuckold
  12/29/15
...
cordovan locale cuckold
  04/18/16
I remember a teacher showing us this kind of chart back arou...
cerebral site
  04/18/16
wise move
spectacular pisswyrm whorehouse
  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.
Contagious Ocher Den
  04/18/16
...
cordovan locale cuckold
  04/18/16
This is false and assumes one continues working a cookie-cut...
Boyish violent main people
  04/18/16
just do >10% growth every year. worked for bernie madoff
Trip dingle berry
  04/18/16
This bort is retarded.
swashbuckling church building
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
Titillating queen of the night
  04/18/16
...
cordovan locale cuckold
  04/18/16
you pointed it out above several times, and each time you go...
Titillating queen of the night
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
fragrant flickering dog poop business firm
  04/18/16
The real reason this chart is dumb is because of inflation. ...
naked feces kitty
  04/18/16
...
cordovan locale cuckold
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
naked feces kitty
  04/18/16
...
cordovan locale cuckold
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
Zombie-like regret goyim
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
godawful aromatic alpha
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
painfully honest overrated stage
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
talking coffee pot
  02/20/17
I agree generally that returns will be lower. But if you ask...
painfully honest overrated stage
  02/20/17
saving for retirement is flame. just slide and let do
Big pink public bath foreskin
  04/18/16
cr
Titillating queen of the night
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
irradiated kink-friendly rehab
  09/29/16
...
cordovan locale cuckold
  09/29/16
How do they get 10% retune every year
Multi-colored scarlet lodge
  09/29/16
noob investor question, but isn't this idea kind of self per...
lime territorial forum
  09/29/16
Student loan interest exceeds most investment returns so tha...
Fuchsia prole mother
  09/29/16
...
lime territorial forum
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
Ruddy lettuce nursing home
  02/20/17
...
Ruddy lettuce nursing home
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
Out-of-control Alcoholic School Cafeteria
  07/08/17
COMPOUND INT--*nuke melts face*
Comical Judgmental Candlestick Maker
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
Laughsome ruby international law enforcement agency crotch
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
Comical Judgmental Candlestick Maker
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
Laughsome ruby international law enforcement agency crotch
  07/08/17
(Not a rental property owner)
Indecent orchestra pit halford
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
dashing henna temple fortuitous meteor
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
Ruddy lettuce nursing home
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
Laughsome ruby international law enforcement agency crotch
  07/08/17
now show me the table for $300K at 8% in student loans
180 Range Jap
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
Alcoholic cowardly cruise ship sandwich
  07/08/17
...
irradiated kink-friendly rehab
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
180 Range Jap
  07/08/17
data entry
razzmatazz slippery kitchen
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
180 Range Jap
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
razzmatazz slippery kitchen
  07/08/17
CR
irradiated kink-friendly rehab
  07/08/17
Admin assistant
irradiated kink-friendly rehab
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
180 Range Jap
  07/08/17
According to the chart all you need to invest is like 2k a y...
irradiated kink-friendly rehab
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
adventurous wine lay cuck
  07/08/17
things barzini knew and did that you did not for $200, alex
metal wonderful theater stage
  07/09/17
I think a much more sure bet is Social Security taxes being ...
Rough-skinned sapphire weed whacker idea he suggested
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
adventurous wine lay cuck
  07/08/17
Investment compounding is the single biggest scam the inve...
heady death wish wrinkle
  07/09/17
...
Crimson supple mood
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
frum house
  08/23/17
...
cordovan locale cuckold
  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: cordovan locale cuckold

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

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



Reply Favorite

Date: December 10th, 2014 4:58 PM
Author: Thriller copper library striped hyena

(Dave Ramsey)

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



Reply Favorite

Date: September 15th, 2023 12:25 PM
Author: Stirring theatre
Subject: Germany bull

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

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



Reply Favorite

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



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: brass corner

Brb transferring money to my roth

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



Reply Favorite

Date: February 8th, 2014 10:44 AM
Author: azure mental disorder



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: idiotic point

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: bateful poppy elastic band

what is the apr on this

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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Offensive chapel

12% lol.

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



Reply Favorite

Date: February 7th, 2014 3:25 PM
Author: amber spot

fucking boomers

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24973898)



Reply Favorite

Date: April 13th, 2026 1:57 PM
Author: may his bones be crushed



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



Reply Favorite

Date: February 7th, 2014 3:28 PM
Author: cordovan locale cuckold



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: chrome racy internal respiration set

So for the next 50 years the US Economy will be as prosperous as the last 50?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24973943)



Reply Favorite

Date: February 7th, 2014 3:34 PM
Author: tripping charismatic parlor

haven't you read the disclaimer at the bottom of every mutual fund or etf prospectus? it says past returns predict future results.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24973956)



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: chrome racy internal respiration set

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: rebellious shrine



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: puce center



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: tantric shitlib



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: chrome racy internal respiration set



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: Vigorous church trust fund



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: tantric shitlib



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: cordovan locale cuckold



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: chrome racy internal respiration set

Change your 10 year window to 1999 to 2009, you'd be down almost 20 percent.

United States 1950-2001 was an absolute powerhouse, I do not expect the same domination for the next 50 years, not of that magnitude.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24974015)



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: cordovan locale cuckold



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: chrome racy internal respiration set

(guy who recently watched The Secret)

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



Reply Favorite

Date: February 7th, 2014 3:56 PM
Author: chrome racy internal respiration set

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

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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: chrome racy internal respiration set

(Boomer in 2006 buying third investment property)

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



Reply Favorite

Date: February 7th, 2014 3:59 PM
Author: Indecent orchestra pit halford

this will not occur over the next 40 years

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



Reply Favorite

Date: February 7th, 2014 4:36 PM
Author: swashbuckling church building

So annual returns are declining by 1-2 percent per year in your timescale? Got it.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24974300)



Reply Favorite

Date: February 7th, 2014 4:40 PM
Author: cordovan locale cuckold



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: Indecent orchestra pit halford

Compare the demographics, foreign competition, and regulatory burden at those times vs the next 40 years.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#26902473)



Reply Favorite

Date: April 18th, 2016 9:12 AM
Author: Indecent orchestra pit halford



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: Indecent orchestra pit halford

A true genius

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



Reply Favorite

Date: April 18th, 2016 7:41 AM
Author: Stimulating Doctorate Boiling Water



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: Indecent orchestra pit halford

Holy shit, I always thought you were a dumb shitlib, but you actually are a very low IQ moron.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#30296264)



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: avocado bossy factory reset button pit

Just do assume 12% returns for 45 years

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



Reply Favorite

Date: February 7th, 2014 3:29 PM
Author: cordovan locale cuckold



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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: Indecent orchestra pit halford

CR incredibly retarded

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



Reply Favorite

Date: April 18th, 2016 8:57 AM
Author: swashbuckling church building

It doesn't change regardless of rate.

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



Reply Favorite

Date: April 18th, 2016 9:13 AM
Author: Indecent orchestra pit halford

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

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



Reply Favorite

Date: April 13th, 2026 1:59 PM
Author: may his bones be crushed



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



Reply Favorite

Date: February 20th, 2017 9:25 AM
Author: Histrionic nudist institution associate

(finance genius)

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#32660234)



Reply Favorite

Date: April 13th, 2026 1:50 PM
Author: Goyvin Jewsom

So far so good

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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Confused home therapy

That's a pretty cool investment that goes up 10% every year. What's it called?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24973885)



Reply Favorite

Date: February 7th, 2014 3:29 PM
Author: cordovan locale cuckold



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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: Indecent orchestra pit halford

this will not be the case for the next 50 years



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Curious sneaky criminal

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

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



Reply Favorite

Date: April 18th, 2016 9:35 AM
Author: Appetizing twinkling uncleanness

lol'd

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



Reply Favorite

Date: September 29th, 2016 10:24 AM
Author: primrose concupiscible boistinker university

haha

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



Reply Favorite

Date: February 20th, 2017 1:49 AM
Author: chrome racy internal respiration set



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



Reply Favorite

Date: February 20th, 2017 8:38 AM
Author: swashbuckling church building



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: arrogant legend stain



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: frum house



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Arousing orange patrolman scourge upon the earth

Jesus, stfup. No, you're not fucked if you don't begin investing by 21, though it is certainly advantageous.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24973892)



Reply Favorite

Date: February 7th, 2014 3:30 PM
Author: cordovan locale cuckold



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Arousing orange patrolman scourge upon the earth

Not if returns were negative when/in the years immediately following when you started --i.e.-- a 22 yo in 2008 starting his 401K right as the stock market tanked. This also isn't true if you compensate by saving/investing more later.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24973941)



Reply Favorite

Date: February 7th, 2014 3:36 PM
Author: cordovan locale cuckold



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: Arousing orange patrolman scourge upon the earth

?

All the hypo supposes is that you start investing in your early 20s. The "miracle of compounding" is thanks to markets, which obviously fluctuate dramatically and do not offer consistent returns/

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24973993)



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: cordovan locale cuckold



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Arousing orange patrolman scourge upon the earth

YOUR personal rate of return is different from the market's average rate of return, based on a variety of factors, such as the precise timing/market direction of when you first began investing.



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24974038)



Reply Favorite

Date: February 7th, 2014 3:49 PM
Author: cordovan locale cuckold



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



Reply Favorite

Date: February 7th, 2014 4:13 PM
Author: Arousing orange patrolman scourge upon the earth

False.

Here's a 5-year example:

Joe invests $1000 in 2002. The market grows 10% each year. In 2007, he thus has about $1600 after 5 years.

Jim invests in 2008. The market drops 38%. He's down to $620.

It increases 18% in 2009, so he's now up to $731.60. In 2010 it increases 11%, bringing him up to about $810. In 2011, he sees a 7% increase, so he's now at 867. He's up 5% in 2012, bringing him up to about $910.

Joe is thus up 60% in 5 years; Jim DOWN nearly 10%.

There was no difference except for when they began investing.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24974177)



Reply Favorite

Date: February 7th, 2014 4:33 PM
Author: cordovan locale cuckold



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



Reply Favorite

Date: February 7th, 2014 4:35 PM
Author: tripping charismatic parlor

you realize that to obtain the returns you stated above, one must invest on a particular day and no other day?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24974293)



Reply Favorite

Date: February 7th, 2014 4:41 PM
Author: cordovan locale cuckold



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



Reply Favorite

Date: July 9th, 2017 11:26 AM
Author: Flushed Blathering Native

jfc why does she write shit like this

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



Reply Favorite

Date: September 29th, 2016 2:14 PM
Author: Twinkling fanboi voyeur

This is true for everything ever.

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



Reply Favorite

Date: February 7th, 2014 3:25 PM
Author: Offensive chapel

why doesnt the roth I started at 20 and stopped contributing to at 27 have $90K in it?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24973900)



Reply Favorite

Date: February 7th, 2014 3:30 PM
Author: brass corner

U r 36? LOLOL

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



Reply Favorite

Date: February 7th, 2014 3:31 PM
Author: Offensive chapel

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

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



Reply Favorite

Date: February 7th, 2014 3:36 PM
Author: brass corner

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

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



Reply Favorite

Date: February 7th, 2014 3:39 PM
Author: Offensive chapel

it sucks but I have stayed in shape and fucked enough women where I wont have any regrets on that end at least.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24973988)



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: brass corner

Goal retirement age??

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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Offensive chapel

depends if I have kids and the house. Then probably 62-65.

If not then I might yolo and move to the philipines or some shit at 50 with a couple of million.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24974009)



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: brass corner

Any family pressure to get married??

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



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: Offensive chapel

nah but I love my gf. I would probably marry her kids or not.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24974030)



Reply Favorite

Date: April 13th, 2026 2:00 PM
Author: may his bones be crushed

I'm 56 now

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#49814674)



Reply Favorite

Date: February 7th, 2014 3:32 PM
Author: Electric Principal's Office

(39-year-old, MAF troll)

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



Reply Favorite

Date: February 7th, 2014 3:38 PM
Author: Saffron locus mad-dog skullcap

I didn't start saving til I got a job at 24. Should I killself?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24973984)



Reply Favorite

Date: February 7th, 2014 3:39 PM
Author: cordovan locale cuckold



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: brass corner

Doctors are done here

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



Reply Favorite

Date: February 13th, 2015 5:32 PM
Author: Shimmering stage jewess



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: excitant ticket booth



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: irradiated kink-friendly rehab



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: Offensive chapel

And this is why I want to strangle the shrews I have dated.

At least my gf has a 401K that she contributes up to the match limit.

But she is 29 years old and this is her first year of contributing to a roth.

WOmen are fucking children.

"But I make 1/4 of what you do" she clucks.

"Except when I was 22 making $38,000 I still maxed out my roth," I lisp back.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24974025)



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: brass corner

What were u doing at 22?

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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: Offensive chapel

crappy consulting firm do municipal bond analysis.

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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: Arousing orange patrolman scourge upon the earth

you should've gone into finance, instead. you'd have a millie by now.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24974087)



Reply Favorite

Date: February 7th, 2014 3:59 PM
Author: Offensive chapel

I was too lazy in college, but yeah would have been a good idea.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24974092)



Reply Favorite

Date: February 8th, 2014 10:36 AM
Author: mauve exhilarant athletic conference

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

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



Reply Favorite

Date: April 18th, 2016 9:49 AM
Author: flatulent glittery school tattoo

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

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



Reply Favorite

Date: February 7th, 2014 3:48 PM
Author: orchid mewling ape gaping

arthur is a dumbass for only putting in 2000, he should ve maxed out and would ve been fine

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24974041)



Reply Favorite

Date: February 7th, 2014 3:50 PM
Author: cordovan locale cuckold



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: orchid mewling ape gaping

yes arthur is fucked, ben pwns him

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



Reply Favorite

Date: February 7th, 2014 3:51 PM
Author: chrome racy internal respiration set

Twist: Arthur was swimming in student loan debt

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



Reply Favorite

Date: February 13th, 2015 5:46 PM
Author: metal wonderful theater stage



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



Reply Favorite

Date: February 7th, 2014 4:01 PM
Author: Embarrassed To The Bone Jet-lagged Keepsake Machete Genital Piercing

These assumptions that ignore inflation and assume 10%+ real returns are asinine. The S&P returned something like 5% real over the last century.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24974098)



Reply Favorite

Date: February 8th, 2014 8:23 PM
Author: lilac black woman



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



Reply Favorite

Date: February 7th, 2014 4:08 PM
Author: frozen hairraiser national

*Is guy 1*

*Invests from 2001-2008*

*Is PWND*

*Is guy 2*

*Begins investing in 2008*

*PROFITS*

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24974133)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: Embarrassed To The Bone Jet-lagged Keepsake Machete Genital Piercing

True, the idea that investing early is a good idea sure didn't apply to anybody who started investing 15 years ago. Would've been better off spending the money / having fun.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24974151)



Reply Favorite

Date: September 29th, 2016 1:14 PM
Author: turquoise cracking rigor codepig

Why not, the market corrected in the next 10 years. Its only a losing bet if you need to retire during one of the down turns.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#31521424)



Reply Favorite

Date: July 8th, 2017 10:02 AM
Author: turquoise cracking rigor codepig

this is what idiots don't realize. crashes don't matter except for old people. and by the time you're old, you should be easing out of the market.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#33727706)



Reply Favorite

Date: July 9th, 2017 10:45 AM
Author: dashing henna temple fortuitous meteor

Right. The person who started investing earlier is still in a better position than the person who spent it all.

I started investing seriously in 2006 or so, and sure, I got hammered in the couple of years following that. But after the crash I still had something (didn't sell) and it's since recovered. That portion of my savings wouldn't exist if I hadn't saved it early.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#33734072)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: Greedy menage masturbator

I think the more interesting hypo is a guy who starts investing later but contributes more

Dude waiting until 27 probably was in grad school or something

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24974146)



Reply Favorite

Date: February 8th, 2014 8:23 PM
Author: lilac black woman

that's more realistic even if he wasn't in grad school, because of inflation.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24980361)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: Khaki Stubborn Resort

Just do graduate in 2006 and invest at the peak of the stock market.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24974148)



Reply Favorite

Date: February 7th, 2014 4:11 PM
Author: sinister violent space

I still think it's more credited to maintain liquidity and invest in a future business than to put money into the market, assuming you can't do both and assuming you're under 35.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24974156)



Reply Favorite

Date: February 7th, 2014 4:15 PM
Author: Offensive chapel

Why the fuck does my roth IRA only have $35,000 in it? I maxed out from 22-27.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24974195)



Reply Favorite

Date: February 7th, 2014 4:38 PM
Author: Embarrassed To The Bone Jet-lagged Keepsake Machete Genital Piercing

I feel your pain. I've got like $41K. At least I can backdoor so it'll be $47K soon.

The real way I could see myself getting a big Roth IRA would be to get axed from law, and then start converting $30K or so a year from my 401k during a number of years with little to no income.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24974306)



Reply Favorite

Date: February 7th, 2014 4:58 PM
Author: Exciting fishy step-uncle's house

(cgm)

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



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: Crawly indigo garrison french chef

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

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



Reply Favorite

Date: February 8th, 2014 10:51 AM
Author: heady death wish wrinkle

this is true.. i put away $1k in 1990, it's now worth $800k

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24977600)



Reply Favorite

Date: February 17th, 2014 11:13 AM
Author: cordovan locale cuckold



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: Boyish violent main people

not really.

my parents had very little just 20 years ago and now have a $3-4 million net worth. just make sure you get on a career path that is pretty lucrative and you'll be fine even if you don't save a penny until the age of 35-40.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24977623)



Reply Favorite

Date: February 10th, 2014 2:32 PM
Author: cordovan locale cuckold



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: razzmatazz slippery kitchen



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: useless liquid oxygen property

So your telling me that if I make a lot of money ill do well financially? Why aren't you charging for this insight?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#26902507)



Reply Favorite

Date: May 14th, 2014 9:23 AM
Author: cordovan locale cuckold



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: cordovan locale cuckold



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: Fuchsia prole mother

The 19 bro isn't doubling the 27 year old bro or anything. You can still beat the average early starter by just putting way more money in. Most people who start investing at 19 only have chump change to put in.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#26902483)



Reply Favorite

Date: December 10th, 2014 5:10 PM
Author: cordovan locale cuckold



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: cordovan locale cuckold



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: Clear Hospital Background Story

this is retarded. for most of us, that would have meant socking away money into the stock market during the mid- to late-2000s. the gain from the time period to now has only been like 2% per year on average

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#27309317)



Reply Favorite

Date: February 13th, 2015 5:35 PM
Author: Shimmering stage jewess

damn u r old. i started making money in 09. wish i saved a lot more. would have been rolling in it

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#27309326)



Reply Favorite

Date: February 13th, 2015 5:36 PM
Author: cordovan locale cuckold



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: Clear Hospital Background Story

we're in a bubble right now, so all of those figures are bullshit

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#27309354)



Reply Favorite

Date: February 13th, 2015 5:50 PM
Author: cordovan locale cuckold



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: Offensive chapel

A year later after bitching in this thread, I have fucking $37,500 in the Roth IRA I started when I was 21. Bullshit magical 12% compounding.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#27309399)



Reply Favorite

Date: February 13th, 2015 5:52 PM
Author: cordovan locale cuckold



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



Reply Favorite

Date: February 13th, 2015 5:53 PM
Author: deep galvanic hominid

What has your APR been?

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



Reply Favorite

Date: February 13th, 2015 6:18 PM
Author: Opaque mexican office

how much money did you have in cash on the sidelines from the last 6 year bull market?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#27309632)



Reply Favorite

Date: December 29th, 2015 1:41 PM
Author: cordovan locale cuckold



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



Reply Favorite

Date: April 18th, 2016 7:18 AM
Author: cordovan locale cuckold



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



Reply Favorite

Date: April 18th, 2016 7:47 AM
Author: cerebral site

I remember a teacher showing us this kind of chart back around 1996 and I just ignored it.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#30296076)



Reply Favorite

Date: April 18th, 2016 8:17 AM
Author: spectacular pisswyrm whorehouse

wise move

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



Reply Favorite

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

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

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



Reply Favorite

Date: April 18th, 2016 7:49 AM
Author: Contagious Ocher Den

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

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



Reply Favorite

Date: April 18th, 2016 9:40 AM
Author: cordovan locale cuckold



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



Reply Favorite

Date: April 18th, 2016 7:50 AM
Author: Boyish violent main people

This is false and assumes one continues working a cookie-cutter job with 3% annual pay-raise their entire working life.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#30296082)



Reply Favorite

Date: April 18th, 2016 8:51 AM
Author: Trip dingle berry

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

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



Reply Favorite

Date: April 18th, 2016 8:57 AM
Author: swashbuckling church building

This bort is retarded.

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



Reply Favorite

Date: April 18th, 2016 9:04 AM
Author: Titillating queen of the night

Chart assumes consistently abnormal YOY returns, as pointed out ad nauseum above

There's a reason this "phenomenon" is common knowledge and yet remarkably few people seem to benefit from it to the extent promised.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#30296237)



Reply Favorite

Date: April 18th, 2016 9:41 AM
Author: cordovan locale cuckold



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



Reply Favorite

Date: April 18th, 2016 10:04 AM
Author: Titillating queen of the night

you pointed it out above several times, and each time you got subsequently pwned in short order

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#30296421)



Reply Favorite

Date: April 18th, 2016 9:20 AM
Author: fragrant flickering dog poop business firm

http://imgur.com/gnMx2MX

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

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



Reply Favorite

Date: April 18th, 2016 9:20 AM
Author: naked feces kitty

The real reason this chart is dumb is because of inflation. You're comparing 2,000 dollars someone put in at 19 to 2,000 someone out in 46 years later and acting like it's the same thing

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#30296293)



Reply Favorite

Date: April 18th, 2016 9:45 AM
Author: cordovan locale cuckold



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



Reply Favorite

Date: April 18th, 2016 9:50 AM
Author: naked feces kitty

You can't say 16,000 vs 80,000 lolz and not see how that's a stupid comparison

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#30296396)



Reply Favorite

Date: April 18th, 2016 10:02 AM
Author: cordovan locale cuckold



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



Reply Favorite

Date: July 8th, 2017 11:01 AM
Author: Zombie-like regret goyim

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

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



Reply Favorite

Date: September 15th, 2023 11:41 AM
Author: godawful aromatic alpha

*assumes 3% inflation*

*fade in cannibal holocaust theme*

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



Reply Favorite

Date: April 18th, 2016 9:24 AM
Author: painfully honest overrated stage

Yea 10 percent is retarded, but the gist of the argument is right. Early investments have a bigger bang for their buck when it's said and done. Invest as much as you can, as early as you can, in a low cost index. Profit (when you are old as fuck).

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#30296303)



Reply Favorite

Date: February 20th, 2017 3:10 AM
Author: talking coffee pot

no shit but we;'re going to see HISTORICALLY low returns from this pt out, we ARE SO FUCKITY FUCKED

401K = SCAMs

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#32659870)



Reply Favorite

Date: February 20th, 2017 7:57 AM
Author: painfully honest overrated stage

I agree generally that returns will be lower. But if you asked me in 08 if we were fucked I'd say yes - and the market has gone crazy since then. I thought trump would lead to a market correction, and yet we have the trump rally.

Don't be a boomer, save your money.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#32660046)



Reply Favorite

Date: April 18th, 2016 9:57 AM
Author: Big pink public bath foreskin

saving for retirement is flame. just slide and let do

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



Reply Favorite

Date: April 18th, 2016 10:04 AM
Author: Titillating queen of the night

cr

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



Reply Favorite

Date: September 29th, 2016 10:24 AM
Author: irradiated kink-friendly rehab

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

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



Reply Favorite

Date: September 29th, 2016 10:03 AM
Author: cordovan locale cuckold



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



Reply Favorite

Date: September 29th, 2016 1:21 PM
Author: Multi-colored scarlet lodge

How do they get 10% retune every year

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



Reply Favorite

Date: September 29th, 2016 2:04 PM
Author: lime territorial forum

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

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

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



Reply Favorite

Date: September 29th, 2016 2:12 PM
Author: Fuchsia prole mother

Student loan interest exceeds most investment returns so that should be priority #1 if you have it.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#31521840)



Reply Favorite

Date: September 29th, 2016 4:48 PM
Author: lime territorial forum



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



Reply Favorite

Date: February 20th, 2017 8:11 AM
Author: Ruddy lettuce nursing home

lol at dorks ITT bobbing and weaving desperately not wanting this to be true. The annual return in the example may be at the high end of the range but the overall argument is cr.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#32660068)



Reply Favorite

Date: July 8th, 2017 9:32 AM
Author: Ruddy lettuce nursing home



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



Reply Favorite

Date: July 8th, 2017 9:40 AM
Author: Out-of-control Alcoholic School Cafeteria

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

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



Reply Favorite

Date: July 8th, 2017 9:46 AM
Author: Comical Judgmental Candlestick Maker

COMPOUND INT--*nuke melts face*

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



Reply Favorite

Date: July 8th, 2017 9:50 AM
Author: Laughsome ruby international law enforcement agency crotch

Lol at everyone wagecucking there lives away for GC to save money they can't touch for 30-40 years and repeating the advice like brainwashed apes

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#33727671)



Reply Favorite

Date: July 8th, 2017 9:52 AM
Author: Comical Judgmental Candlestick Maker

I find my rent seeking behavior is paying off better. Just a few homes and I'm making 4K extra every month with rarely having to lift a finger.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#33727675)



Reply Favorite

Date: July 8th, 2017 9:54 AM
Author: Laughsome ruby international law enforcement agency crotch

20k liquid and 10k+ per month in passive income >>>>>>>>>>>>>>>> GC cucking the best years of your life to build a fraudlies "tax deferred" portfolio and get gaped on taxes at retirement

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#33727681)



Reply Favorite

Date: July 8th, 2017 10:16 AM
Author: Indecent orchestra pit halford

(Not a rental property owner)

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



Reply Favorite

Date: July 9th, 2017 11:14 AM
Author: dashing henna temple fortuitous meteor

Future is impossible to predict. Best call is to diversify.

I fully fund the Roth IRA each year (future tax advantage), fund the 401k enough to capture the match and then some (current tax advantage) and also have a few rental houses which cash flow decently now and will be paid off by retirement (inflation hedge plus tax advantage for the next couple of decades).

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#33734178)



Reply Favorite

Date: July 8th, 2017 10:05 AM
Author: Ruddy lettuce nursing home

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

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



Reply Favorite

Date: July 8th, 2017 10:06 AM
Author: Laughsome ruby international law enforcement agency crotch

Naw man my 30s have been 180 billion. Still young and free but fuckloads of money instead of broke

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#33727719)



Reply Favorite

Date: July 8th, 2017 12:06 PM
Author: 180 Range Jap

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

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



Reply Favorite

Date: July 8th, 2017 12:13 PM
Author: Alcoholic cowardly cruise ship sandwich

imagine if you lived at home and worked at a 40k a year job from 19-25 or 26. invested it all. then went to college. you'd have it made. no one tells you this

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#33728056)



Reply Favorite

Date: July 8th, 2017 12:28 PM
Author: irradiated kink-friendly rehab



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



Reply Favorite

Date: July 8th, 2017 12:30 PM
Author: 180 Range Jap

lol, what $40K per year job do you think a 19 year old with a high school diploma can get?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#33728113)



Reply Favorite

Date: July 8th, 2017 12:32 PM
Author: razzmatazz slippery kitchen

data entry

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



Reply Favorite

Date: July 8th, 2017 12:46 PM
Author: 180 Range Jap

link to $40K data entry job that a 19 year old with a high school degree and no experience is qualified for?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#33728151)



Reply Favorite

Date: July 8th, 2017 1:03 PM
Author: razzmatazz slippery kitchen

I made about 30k as a bus boy when i was 16 working part time. 40k fulltime gig would be easy to swing.. even if through 2 part time jobs at restaurants etc

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#33728219)



Reply Favorite

Date: July 8th, 2017 1:04 PM
Author: irradiated kink-friendly rehab

CR

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



Reply Favorite

Date: July 8th, 2017 12:32 PM
Author: irradiated kink-friendly rehab

Admin assistant

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



Reply Favorite

Date: July 8th, 2017 12:45 PM
Author: 180 Range Jap

lol what? first, no one is going to hire a no-experience 19 year old admin assistant when there are 10 and 20 year veterans applying for the same job. second, those jobs pay like $26K.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#33728148)



Reply Favorite

Date: July 8th, 2017 12:57 PM
Author: irradiated kink-friendly rehab

According to the chart all you need to invest is like 2k a year and you're pretty much set for retirement...just get ANY fucking job until age 26

go be a front desk person/work as receptionist

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#33728193)



Reply Favorite

Date: July 8th, 2017 1:26 PM
Author: adventurous wine lay cuck

cr chart is totally what happens IRL just stuff away 10k in stock at 18 = million$$$

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#33728308)



Reply Favorite

Date: July 9th, 2017 11:10 AM
Author: metal wonderful theater stage

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

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



Reply Favorite

Date: July 8th, 2017 12:45 PM
Author: Rough-skinned sapphire weed whacker idea he suggested

I think a much more sure bet is Social Security taxes being raised to shore up the program, so I'll just YOLO out and rely on that.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#33728150)



Reply Favorite

Date: July 8th, 2017 1:27 PM
Author: adventurous wine lay cuck

My 3k in savings from govt job at 23 is now worth 5k. Holy fuck I'm gonna be rich!!!!!

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#33728311)



Reply Favorite

Date: July 9th, 2017 11:21 AM
Author: heady death wish wrinkle

Investment compounding is the single biggest scam the investment/retirement community uses to grab your money.

The Future value investment analysis assumes a guaranteed return with zero draw-down. The overall markets (S%P), and less than 1% of stocks follow the interest rate return curve.

The market curve more closely follows the short-memory timespan which is roughty 10 years for each new generation (87, 00, 09, ...next?)



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#33734215)



Reply Favorite

Date: August 22nd, 2017 7:26 PM
Author: Crimson supple mood



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



Reply Favorite

Date: August 23rd, 2017 11:19 AM
Author: frum house

Just use a 20% return the first 8 years and use 1% return the next 50 years bro.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#34051890)



Reply Favorite

Date: September 15th, 2023 11:28 AM
Author: cordovan locale cuckold



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



Reply Favorite

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

how’d we all do?

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



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=2#49814655)



Reply Favorite

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



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