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

https://i.pinimg.com/736x/2e/d6/5d/2ed65d34dbac86519947d298d...
Ruby Lascivious Resort
  02/07/14
(Dave Ramsey)
Histrionic really tough guy
  12/10/14
Germany bull
Canary parlour
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
Maroon knife base
  02/07/14
...
Aquamarine swashbuckling market mood
  02/08/14
yep
Bearded private investor gunner
  02/07/14
what is the apr on this
motley jew roommate
  02/07/14
12% lol.
Angry soul-stirring property fanboi
  02/07/14
fucking boomers
Boyish Slimy Dragon
  02/07/14
...
may his bones be crushed
  04/13/26
...
Ruby Lascivious Resort
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
Charismatic boiling water casino
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
diverse bull headed wagecucks
  02/07/14
180
Charismatic boiling water casino
  02/07/14
...
Floppy swollen jewess
  02/08/14
...
Yellow clown
  02/13/15
...
twisted topaz sandwich
  04/18/16
...
Charismatic boiling water casino
  02/20/17
...
stubborn sienna crackhouse sex offender
  02/20/17
...
twisted topaz sandwich
  07/08/17
...
Ruby Lascivious Resort
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
Charismatic boiling water casino
  02/07/14
...
Ruby Lascivious Resort
  02/07/14
(guy who recently watched The Secret)
Charismatic boiling water casino
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
Charismatic boiling water casino
  02/07/14
(Boomer in 2006 buying third investment property)
Charismatic boiling water casino
  02/07/14
this will not occur over the next 40 years
Anal Adventurous Locus Turdskin
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
cerebral sanctuary jap
  02/07/14
...
Ruby Lascivious Resort
  02/07/14
Compare the demographics, foreign competition, and regulator...
Anal Adventurous Locus Turdskin
  12/10/14
...
Anal Adventurous Locus Turdskin
  04/18/16
A true genius
Anal Adventurous Locus Turdskin
  09/29/16
...
razzle-dazzle tan idiot laser beams
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
Anal Adventurous Locus Turdskin
  04/18/16
Just do assume 12% returns for 45 years
Shimmering patrolman trailer park
  02/07/14
...
Ruby Lascivious Resort
  02/07/14
CR incredibly retarded
Anal Adventurous Locus Turdskin
  02/07/14
It doesn't change regardless of rate.
cerebral sanctuary jap
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
Anal Adventurous Locus Turdskin
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
Impertinent school cafeteria
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
Khaki faggot firefighter
  02/07/14
...
Ruby Lascivious Resort
  02/07/14
this will not be the case for the next 50 years
Anal Adventurous Locus Turdskin
  02/07/14
(Suze Orman after a few too many glasses of wine)
judgmental sinister preventive strike black woman
  02/07/14
lol'd
Geriatric marvelous school
  04/18/16
haha
Bonkers area
  09/29/16
...
Charismatic boiling water casino
  02/20/17
...
cerebral sanctuary jap
  02/20/17
...
Chartreuse degenerate garrison
  02/20/17
...
Insanely Creepy Misunderstood Station
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
Twinkling Domesticated Stage Party Of The First Part
  02/07/14
...
Ruby Lascivious Resort
  02/07/14
Not if returns were negative when/in the years immediately f...
Twinkling Domesticated Stage Party Of The First Part
  02/07/14
...
Ruby Lascivious Resort
  02/07/14
? All the hypo supposes is that you start investing in yo...
Twinkling Domesticated Stage Party Of The First Part
  02/07/14
...
Ruby Lascivious Resort
  02/07/14
YOUR personal rate of return is different from the market's ...
Twinkling Domesticated Stage Party Of The First Part
  02/07/14
...
Ruby Lascivious Resort
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
Twinkling Domesticated Stage Party Of The First Part
  02/07/14
...
Ruby Lascivious Resort
  02/07/14
you realize that to obtain the returns you stated above, one...
diverse bull headed wagecucks
  02/07/14
...
Ruby Lascivious Resort
  02/07/14
jfc why does she write shit like this
burgundy windowlicker pit
  07/09/17
This is true for everything ever.
Fragrant mauve stag film stain
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
Angry soul-stirring property fanboi
  02/07/14
U r 36? LOLOL
Maroon knife base
  02/07/14
34 but I put more money than $2000 per year in there.
Angry soul-stirring property fanboi
  02/07/14
Damen. How does it feel to be literally half done with life?
Maroon knife base
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
Angry soul-stirring property fanboi
  02/07/14
Goal retirement age??
Maroon knife base
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
Angry soul-stirring property fanboi
  02/07/14
Any family pressure to get married??
Maroon knife base
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
Angry soul-stirring property fanboi
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
poppy greedy gas station
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
Mind-boggling dark codepig
  02/07/14
...
Ruby Lascivious Resort
  02/07/14
Doctors are done here
Maroon knife base
  02/07/14
...
Buff azn locale
  02/13/15
...
confused mental disorder karate
  02/20/17
...
sickened trust fund senate
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
Angry soul-stirring property fanboi
  02/07/14
What were u doing at 22?
Maroon knife base
  02/07/14
crappy consulting firm do municipal bond analysis.
Angry soul-stirring property fanboi
  02/07/14
you should've gone into finance, instead. you'd have a milli...
Twinkling Domesticated Stage Party Of The First Part
  02/07/14
I was too lazy in college, but yeah would have been a good i...
Angry soul-stirring property fanboi
  02/07/14
$38k was a decent starting salary in 1995...?
gay toilet seat
  02/08/14
my gf doesn't even have a credit card. she's 24
Mint narrow-minded puppy
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
ocher out-of-control dingle berry gaping
  02/07/14
...
Ruby Lascivious Resort
  02/07/14
yes arthur is fucked, ben pwns him
ocher out-of-control dingle berry gaping
  02/07/14
Twist: Arthur was swimming in student loan debt
Charismatic boiling water casino
  02/07/14
...
Vibrant yarmulke
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
racy low-t useless brakes
  02/07/14
...
Pearly Big Liquid Oxygen
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
razzle frozen place of business potus
  02/07/14
True, the idea that investing early is a good idea sure didn...
racy low-t useless brakes
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
aphrodisiac weed whacker theater stage
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
aphrodisiac weed whacker theater stage
  07/08/17
Right. The person who started investing earlier is still in ...
jet-lagged odious public bath
  07/09/17
I think the more interesting hypo is a guy who starts invest...
insane exciting ceo feces
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
Pearly Big Liquid Oxygen
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
Crimson Internal Respiration
  02/07/14
I still think it's more credited to maintain liquidity and i...
stirring scarlet brunch famous landscape painting
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
Angry soul-stirring property fanboi
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
racy low-t useless brakes
  02/07/14
(cgm)
concupiscible chad nursing home
  02/07/14
What does this look like if you assume 6% returns?
Cordovan keepsake machete
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
grizzly submissive ticket booth
  02/08/14
...
Ruby Lascivious Resort
  02/17/14
not really. my parents had very little just 20 years ago...
dashing ruddy theatre immigrant
  02/08/14
...
Ruby Lascivious Resort
  02/10/14
...
aromatic location
  07/08/17
So your telling me that if I make a lot of money ill do well...
Curious orchid corn cake candlestick maker
  12/10/14
...
Ruby Lascivious Resort
  05/14/14
...
Ruby Lascivious Resort
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
ivory mischievous institution faggotry
  12/10/14
...
Ruby Lascivious Resort
  12/10/14
...
Ruby Lascivious Resort
  02/13/15
this is retarded. for most of us, that would have meant soc...
learning disabled nowag
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
Buff azn locale
  02/13/15
...
Ruby Lascivious Resort
  02/13/15
we're in a bubble right now, so all of those figures are bul...
learning disabled nowag
  02/13/15
...
Ruby Lascivious Resort
  02/13/15
A year later after bitching in this thread, I have fucking $...
Angry soul-stirring property fanboi
  02/13/15
...
Ruby Lascivious Resort
  02/13/15
What has your APR been?
apoplectic indian lodge
  02/13/15
how much money did you have in cash on the sidelines from th...
Exhilarant Garnet Juggernaut Office
  02/13/15
...
Ruby Lascivious Resort
  12/29/15
...
Ruby Lascivious Resort
  04/18/16
I remember a teacher showing us this kind of chart back arou...
electric house
  04/18/16
wise move
Carmine meetinghouse
  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.
Carnelian vivacious psychic
  04/18/16
...
Ruby Lascivious Resort
  04/18/16
This is false and assumes one continues working a cookie-cut...
dashing ruddy theatre immigrant
  04/18/16
just do >10% growth every year. worked for bernie madoff
Green university round eye
  04/18/16
This bort is retarded.
cerebral sanctuary jap
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
Spruce wonderful piazza pistol
  04/18/16
...
Ruby Lascivious Resort
  04/18/16
you pointed it out above several times, and each time you go...
Spruce wonderful piazza pistol
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
passionate indigo range bbw
  04/18/16
The real reason this chart is dumb is because of inflation. ...
Nighttime Kitchen
  04/18/16
...
Ruby Lascivious Resort
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
Nighttime Kitchen
  04/18/16
...
Ruby Lascivious Resort
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
beady-eyed bright business firm giraffe
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
translucent center volcanic crater
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
heady olive voyeur
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
fantasy-prone chapel doctorate
  02/20/17
I agree generally that returns will be lower. But if you ask...
heady olive voyeur
  02/20/17
saving for retirement is flame. just slide and let do
Bat shit crazy hilarious philosopher-king
  04/18/16
cr
Spruce wonderful piazza pistol
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
sickened trust fund senate
  09/29/16
...
Ruby Lascivious Resort
  09/29/16
How do they get 10% retune every year
excitant avocado friendly grandma
  09/29/16
noob investor question, but isn't this idea kind of self per...
Arousing flushed step-uncle's house
  09/29/16
Student loan interest exceeds most investment returns so tha...
ivory mischievous institution faggotry
  09/29/16
...
Arousing flushed step-uncle's house
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
Lake forum hominid
  02/20/17
...
Lake forum hominid
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
Laughsome point foreskin
  07/08/17
COMPOUND INT--*nuke melts face*
honey-headed national security agency
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
titillating whorehouse cuckoldry
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
honey-headed national security agency
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
titillating whorehouse cuckoldry
  07/08/17
(Not a rental property owner)
Anal Adventurous Locus Turdskin
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
jet-lagged odious public bath
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
Lake forum hominid
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
titillating whorehouse cuckoldry
  07/08/17
now show me the table for $300K at 8% in student loans
Crusty contagious multi-billionaire stage
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
puce depressive idea he suggested
  07/08/17
...
sickened trust fund senate
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
Crusty contagious multi-billionaire stage
  07/08/17
data entry
aromatic location
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
Crusty contagious multi-billionaire stage
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
aromatic location
  07/08/17
CR
sickened trust fund senate
  07/08/17
Admin assistant
sickened trust fund senate
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
Crusty contagious multi-billionaire stage
  07/08/17
According to the chart all you need to invest is like 2k a y...
sickened trust fund senate
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
talented heaven
  07/08/17
things barzini knew and did that you did not for $200, alex
Vibrant yarmulke
  07/09/17
I think a much more sure bet is Social Security taxes being ...
Offensive international law enforcement agency twinkling uncleanness
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
talented heaven
  07/08/17
Investment compounding is the single biggest scam the inve...
grizzly submissive ticket booth
  07/09/17
...
peach bipolar abode
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
Insanely Creepy Misunderstood Station
  08/23/17
...
Ruby Lascivious Resort
  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: Ruby Lascivious Resort

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

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



Reply Favorite

Date: December 10th, 2014 4:58 PM
Author: Histrionic really tough guy

(Dave Ramsey)

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



Reply Favorite

Date: September 15th, 2023 12:25 PM
Author: Canary parlour
Subject: Germany bull

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

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



Reply Favorite

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



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: Maroon knife base

Brb transferring money to my roth

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



Reply Favorite

Date: February 8th, 2014 10:44 AM
Author: Aquamarine swashbuckling market mood



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: Bearded private investor gunner

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: motley jew roommate

what is the apr on this

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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Angry soul-stirring property fanboi

12% lol.

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



Reply Favorite

Date: February 7th, 2014 3:25 PM
Author: Boyish Slimy Dragon

fucking boomers

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



Reply Favorite

Date: February 7th, 2014 3:28 PM
Author: Ruby Lascivious Resort



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Charismatic boiling water casino

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=2Reputation#24973943)



Reply Favorite

Date: February 7th, 2014 3:34 PM
Author: diverse bull headed wagecucks

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=2Reputation#24973956)



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: Charismatic boiling water casino

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: Floppy swollen jewess



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: Yellow clown



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: twisted topaz sandwich



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: Charismatic boiling water casino



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: stubborn sienna crackhouse sex offender



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: twisted topaz sandwich



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: Ruby Lascivious Resort



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Charismatic boiling water casino

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=2Reputation#24974015)



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: Ruby Lascivious Resort



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Charismatic boiling water casino

(guy who recently watched The Secret)

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



Reply Favorite

Date: February 7th, 2014 3:56 PM
Author: Charismatic boiling water casino

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

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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: Charismatic boiling water casino

(Boomer in 2006 buying third investment property)

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



Reply Favorite

Date: February 7th, 2014 3:59 PM
Author: Anal Adventurous Locus Turdskin

this will not occur over the next 40 years

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



Reply Favorite

Date: February 7th, 2014 4:36 PM
Author: cerebral sanctuary jap

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=2Reputation#24974300)



Reply Favorite

Date: February 7th, 2014 4:40 PM
Author: Ruby Lascivious Resort



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: Anal Adventurous Locus Turdskin

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=2Reputation#26902473)



Reply Favorite

Date: April 18th, 2016 9:12 AM
Author: Anal Adventurous Locus Turdskin



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: Anal Adventurous Locus Turdskin

A true genius

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



Reply Favorite

Date: April 18th, 2016 7:41 AM
Author: razzle-dazzle tan idiot laser beams



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: Anal Adventurous Locus Turdskin

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=2Reputation#30296264)



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Shimmering patrolman trailer park

Just do assume 12% returns for 45 years

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



Reply Favorite

Date: February 7th, 2014 3:29 PM
Author: Ruby Lascivious Resort



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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: Anal Adventurous Locus Turdskin

CR incredibly retarded

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



Reply Favorite

Date: April 18th, 2016 8:57 AM
Author: cerebral sanctuary jap

It doesn't change regardless of rate.

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



Reply Favorite

Date: April 18th, 2016 9:13 AM
Author: Anal Adventurous Locus Turdskin

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

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



Reply Favorite

Date: February 20th, 2017 9:25 AM
Author: Impertinent school cafeteria

(finance genius)

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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Khaki faggot firefighter

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=2Reputation#24973885)



Reply Favorite

Date: February 7th, 2014 3:29 PM
Author: Ruby Lascivious Resort



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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: Anal Adventurous Locus Turdskin

this will not be the case for the next 50 years



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: judgmental sinister preventive strike black woman

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

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



Reply Favorite

Date: April 18th, 2016 9:35 AM
Author: Geriatric marvelous school

lol'd

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



Reply Favorite

Date: September 29th, 2016 10:24 AM
Author: Bonkers area

haha

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



Reply Favorite

Date: February 20th, 2017 1:49 AM
Author: Charismatic boiling water casino



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



Reply Favorite

Date: February 20th, 2017 8:38 AM
Author: cerebral sanctuary jap



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: Chartreuse degenerate garrison



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: Insanely Creepy Misunderstood Station



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Twinkling Domesticated Stage Party Of The First Part

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=2Reputation#24973892)



Reply Favorite

Date: February 7th, 2014 3:30 PM
Author: Ruby Lascivious Resort



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Twinkling Domesticated Stage Party Of The First Part

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=2Reputation#24973941)



Reply Favorite

Date: February 7th, 2014 3:36 PM
Author: Ruby Lascivious Resort



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: Twinkling Domesticated Stage Party Of The First Part

?

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=2Reputation#24973993)



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Ruby Lascivious Resort



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Twinkling Domesticated Stage Party Of The First Part

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=2Reputation#24974038)



Reply Favorite

Date: February 7th, 2014 3:49 PM
Author: Ruby Lascivious Resort



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



Reply Favorite

Date: February 7th, 2014 4:13 PM
Author: Twinkling Domesticated Stage Party Of The First Part

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=2Reputation#24974177)



Reply Favorite

Date: February 7th, 2014 4:33 PM
Author: Ruby Lascivious Resort



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



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Date: February 7th, 2014 4:35 PM
Author: diverse bull headed wagecucks

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=2Reputation#24974293)



Reply Favorite

Date: February 7th, 2014 4:41 PM
Author: Ruby Lascivious Resort



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



Reply Favorite

Date: July 9th, 2017 11:26 AM
Author: burgundy windowlicker pit

jfc why does she write shit like this

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



Reply Favorite

Date: September 29th, 2016 2:14 PM
Author: Fragrant mauve stag film stain

This is true for everything ever.

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



Reply Favorite

Date: February 7th, 2014 3:25 PM
Author: Angry soul-stirring property fanboi

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=2Reputation#24973900)



Reply Favorite

Date: February 7th, 2014 3:30 PM
Author: Maroon knife base

U r 36? LOLOL

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



Reply Favorite

Date: February 7th, 2014 3:31 PM
Author: Angry soul-stirring property fanboi

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

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



Reply Favorite

Date: February 7th, 2014 3:36 PM
Author: Maroon knife base

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

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



Reply Favorite

Date: February 7th, 2014 3:39 PM
Author: Angry soul-stirring property fanboi

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=2Reputation#24973988)



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: Maroon knife base

Goal retirement age??

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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Angry soul-stirring property fanboi

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=2Reputation#24974009)



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: Maroon knife base

Any family pressure to get married??

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



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: Angry soul-stirring property fanboi

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=2Reputation#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=2Reputation#49814674)



Reply Favorite

Date: February 7th, 2014 3:32 PM
Author: poppy greedy gas station

(39-year-old, MAF troll)

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



Reply Favorite

Date: February 7th, 2014 3:38 PM
Author: Mind-boggling dark codepig

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=2Reputation#24973984)



Reply Favorite

Date: February 7th, 2014 3:39 PM
Author: Ruby Lascivious Resort



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Maroon knife base

Doctors are done here

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



Reply Favorite

Date: February 13th, 2015 5:32 PM
Author: Buff azn locale



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: confused mental disorder karate



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: sickened trust fund senate



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: Angry soul-stirring property fanboi

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=2Reputation#24974025)



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: Maroon knife base

What were u doing at 22?

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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: Angry soul-stirring property fanboi

crappy consulting firm do municipal bond analysis.

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



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Date: February 7th, 2014 3:58 PM
Author: Twinkling Domesticated Stage Party Of The First Part

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=2Reputation#24974087)



Reply Favorite

Date: February 7th, 2014 3:59 PM
Author: Angry soul-stirring property fanboi

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=2Reputation#24974092)



Reply Favorite

Date: February 8th, 2014 10:36 AM
Author: gay toilet seat

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

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



Reply Favorite

Date: April 18th, 2016 9:49 AM
Author: Mint narrow-minded puppy

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

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



Reply Favorite

Date: February 7th, 2014 3:48 PM
Author: ocher out-of-control dingle berry 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=2Reputation#24974041)



Reply Favorite

Date: February 7th, 2014 3:50 PM
Author: Ruby Lascivious Resort



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: ocher out-of-control dingle berry gaping

yes arthur is fucked, ben pwns him

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



Reply Favorite

Date: February 7th, 2014 3:51 PM
Author: Charismatic boiling water casino

Twist: Arthur was swimming in student loan debt

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



Reply Favorite

Date: February 13th, 2015 5:46 PM
Author: Vibrant yarmulke



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



Reply Favorite

Date: February 7th, 2014 4:01 PM
Author: racy low-t useless brakes

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=2Reputation#24974098)



Reply Favorite

Date: February 8th, 2014 8:23 PM
Author: Pearly Big Liquid Oxygen



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



Reply Favorite

Date: February 7th, 2014 4:08 PM
Author: razzle frozen place of business potus

*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=2Reputation#24974133)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: racy low-t useless brakes

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=2Reputation#24974151)



Reply Favorite

Date: September 29th, 2016 1:14 PM
Author: aphrodisiac weed whacker theater stage

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=2Reputation#31521424)



Reply Favorite

Date: July 8th, 2017 10:02 AM
Author: aphrodisiac weed whacker theater stage

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=2Reputation#33727706)



Reply Favorite

Date: July 9th, 2017 10:45 AM
Author: jet-lagged odious public bath

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=2Reputation#33734072)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: insane exciting ceo feces

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=2Reputation#24974146)



Reply Favorite

Date: February 8th, 2014 8:23 PM
Author: Pearly Big Liquid Oxygen

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=2Reputation#24980361)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: Crimson Internal Respiration

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=2Reputation#24974148)



Reply Favorite

Date: February 7th, 2014 4:11 PM
Author: stirring scarlet brunch famous landscape painting

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=2Reputation#24974156)



Reply Favorite

Date: February 7th, 2014 4:15 PM
Author: Angry soul-stirring property fanboi

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=2Reputation#24974195)



Reply Favorite

Date: February 7th, 2014 4:38 PM
Author: racy low-t useless brakes

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=2Reputation#24974306)



Reply Favorite

Date: February 7th, 2014 4:58 PM
Author: concupiscible chad nursing home

(cgm)

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



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: Cordovan keepsake machete

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

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



Reply Favorite

Date: February 8th, 2014 10:51 AM
Author: grizzly submissive ticket booth

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=2Reputation#24977600)



Reply Favorite

Date: February 17th, 2014 11:13 AM
Author: Ruby Lascivious Resort



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: dashing ruddy theatre immigrant

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=2Reputation#24977623)



Reply Favorite

Date: February 10th, 2014 2:32 PM
Author: Ruby Lascivious Resort



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: aromatic location



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: Curious orchid corn cake candlestick maker

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=2Reputation#26902507)



Reply Favorite

Date: May 14th, 2014 9:23 AM
Author: Ruby Lascivious Resort



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: Ruby Lascivious Resort



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: ivory mischievous institution faggotry

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=2Reputation#26902483)



Reply Favorite

Date: December 10th, 2014 5:10 PM
Author: Ruby Lascivious Resort



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: Ruby Lascivious Resort



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: learning disabled nowag

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=2Reputation#27309317)



Reply Favorite

Date: February 13th, 2015 5:35 PM
Author: Buff azn locale

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=2Reputation#27309326)



Reply Favorite

Date: February 13th, 2015 5:36 PM
Author: Ruby Lascivious Resort



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: learning disabled nowag

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=2Reputation#27309354)



Reply Favorite

Date: February 13th, 2015 5:50 PM
Author: Ruby Lascivious Resort



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: Angry soul-stirring property fanboi

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=2Reputation#27309399)



Reply Favorite

Date: February 13th, 2015 5:52 PM
Author: Ruby Lascivious Resort



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



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Date: February 13th, 2015 5:53 PM
Author: apoplectic indian lodge

What has your APR been?

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



Reply Favorite

Date: February 13th, 2015 6:18 PM
Author: Exhilarant Garnet Juggernaut 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=2Reputation#27309632)



Reply Favorite

Date: December 29th, 2015 1:41 PM
Author: Ruby Lascivious Resort



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



Reply Favorite

Date: April 18th, 2016 7:18 AM
Author: Ruby Lascivious Resort



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



Reply Favorite

Date: April 18th, 2016 7:47 AM
Author: electric house

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=2Reputation#30296076)



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Date: April 18th, 2016 8:17 AM
Author: Carmine meetinghouse

wise move

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



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

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

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



Reply Favorite

Date: April 18th, 2016 7:49 AM
Author: Carnelian vivacious psychic

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

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



Reply Favorite

Date: April 18th, 2016 9:40 AM
Author: Ruby Lascivious Resort



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



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Date: April 18th, 2016 7:50 AM
Author: dashing ruddy theatre immigrant

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=2Reputation#30296082)



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Date: April 18th, 2016 8:51 AM
Author: Green university round eye

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

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



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Date: April 18th, 2016 8:57 AM
Author: cerebral sanctuary jap

This bort is retarded.

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



Reply Favorite

Date: April 18th, 2016 9:04 AM
Author: Spruce wonderful piazza pistol

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=2Reputation#30296237)



Reply Favorite

Date: April 18th, 2016 9:41 AM
Author: Ruby Lascivious Resort



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



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Date: April 18th, 2016 10:04 AM
Author: Spruce wonderful piazza pistol

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=2Reputation#30296421)



Reply Favorite

Date: April 18th, 2016 9:20 AM
Author: passionate indigo range bbw

http://imgur.com/gnMx2MX

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

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



Reply Favorite

Date: April 18th, 2016 9:20 AM
Author: Nighttime Kitchen

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=2Reputation#30296293)



Reply Favorite

Date: April 18th, 2016 9:45 AM
Author: Ruby Lascivious Resort



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



Reply Favorite

Date: April 18th, 2016 9:50 AM
Author: Nighttime Kitchen

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=2Reputation#30296396)



Reply Favorite

Date: April 18th, 2016 10:02 AM
Author: Ruby Lascivious Resort



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



Reply Favorite

Date: July 8th, 2017 11:01 AM
Author: beady-eyed bright business firm giraffe

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

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



Reply Favorite

Date: September 15th, 2023 11:41 AM
Author: translucent center volcanic crater

*assumes 3% inflation*

*fade in cannibal holocaust theme*

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



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Date: April 18th, 2016 9:24 AM
Author: heady olive voyeur

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=2Reputation#30296303)



Reply Favorite

Date: February 20th, 2017 3:10 AM
Author: fantasy-prone chapel doctorate

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=2Reputation#32659870)



Reply Favorite

Date: February 20th, 2017 7:57 AM
Author: heady olive voyeur

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=2Reputation#32660046)



Reply Favorite

Date: April 18th, 2016 9:57 AM
Author: Bat shit crazy hilarious philosopher-king

saving for retirement is flame. just slide and let do

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



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Date: April 18th, 2016 10:04 AM
Author: Spruce wonderful piazza pistol

cr

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



Reply Favorite

Date: September 29th, 2016 10:24 AM
Author: sickened trust fund senate

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

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



Reply Favorite

Date: September 29th, 2016 10:03 AM
Author: Ruby Lascivious Resort



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



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Date: September 29th, 2016 1:21 PM
Author: excitant avocado friendly grandma

How do they get 10% retune every year

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



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Date: September 29th, 2016 2:04 PM
Author: Arousing flushed step-uncle's house

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=2Reputation#31521755)



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Date: September 29th, 2016 2:12 PM
Author: ivory mischievous institution faggotry

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=2Reputation#31521840)



Reply Favorite

Date: September 29th, 2016 4:48 PM
Author: Arousing flushed step-uncle's house



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



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Date: February 20th, 2017 8:11 AM
Author: Lake forum hominid

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=2Reputation#32660068)



Reply Favorite

Date: July 8th, 2017 9:32 AM
Author: Lake forum hominid



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



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Date: July 8th, 2017 9:40 AM
Author: Laughsome point foreskin

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

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



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Date: July 8th, 2017 9:46 AM
Author: honey-headed national security agency

COMPOUND INT--*nuke melts face*

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



Reply Favorite

Date: July 8th, 2017 9:50 AM
Author: titillating whorehouse cuckoldry

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=2Reputation#33727671)



Reply Favorite

Date: July 8th, 2017 9:52 AM
Author: honey-headed national security agency

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=2Reputation#33727675)



Reply Favorite

Date: July 8th, 2017 9:54 AM
Author: titillating whorehouse cuckoldry

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=2Reputation#33727681)



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Date: July 8th, 2017 10:16 AM
Author: Anal Adventurous Locus Turdskin

(Not a rental property owner)

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



Reply Favorite

Date: July 9th, 2017 11:14 AM
Author: jet-lagged odious public bath

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=2Reputation#33734178)



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Date: July 8th, 2017 10:05 AM
Author: Lake forum hominid

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

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



Reply Favorite

Date: July 8th, 2017 10:06 AM
Author: titillating whorehouse cuckoldry

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=2Reputation#33727719)



Reply Favorite

Date: July 8th, 2017 12:06 PM
Author: Crusty contagious multi-billionaire stage

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

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



Reply Favorite

Date: July 8th, 2017 12:13 PM
Author: puce depressive idea he suggested

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=2Reputation#33728056)



Reply Favorite

Date: July 8th, 2017 12:28 PM
Author: sickened trust fund senate



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



Reply Favorite

Date: July 8th, 2017 12:30 PM
Author: Crusty contagious multi-billionaire stage

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=2Reputation#33728113)



Reply Favorite

Date: July 8th, 2017 12:32 PM
Author: aromatic location

data entry

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



Reply Favorite

Date: July 8th, 2017 12:46 PM
Author: Crusty contagious multi-billionaire stage

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=2Reputation#33728151)



Reply Favorite

Date: July 8th, 2017 1:03 PM
Author: aromatic location

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=2Reputation#33728219)



Reply Favorite

Date: July 8th, 2017 1:04 PM
Author: sickened trust fund senate

CR

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



Reply Favorite

Date: July 8th, 2017 12:32 PM
Author: sickened trust fund senate

Admin assistant

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



Reply Favorite

Date: July 8th, 2017 12:45 PM
Author: Crusty contagious multi-billionaire stage

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=2Reputation#33728148)



Reply Favorite

Date: July 8th, 2017 12:57 PM
Author: sickened trust fund senate

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=2Reputation#33728193)



Reply Favorite

Date: July 8th, 2017 1:26 PM
Author: talented heaven

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=2Reputation#33728308)



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Date: July 9th, 2017 11:10 AM
Author: Vibrant yarmulke

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

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



Reply Favorite

Date: July 8th, 2017 12:45 PM
Author: Offensive international law enforcement agency twinkling uncleanness

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=2Reputation#33728150)



Reply Favorite

Date: July 8th, 2017 1:27 PM
Author: talented heaven

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=2Reputation#33728311)



Reply Favorite

Date: July 9th, 2017 11:21 AM
Author: grizzly submissive ticket booth

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=2Reputation#33734215)



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Date: August 22nd, 2017 7:26 PM
Author: peach bipolar abode



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



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Date: August 23rd, 2017 11:19 AM
Author: Insanely Creepy Misunderstood Station

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=2Reputation#34051890)



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Date: September 15th, 2023 11:28 AM
Author: Ruby Lascivious Resort



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



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

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

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



Reply Favorite

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



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