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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...
azure sinister nursing home laser beams
  02/07/14
(Dave Ramsey)
contagious theatre
  12/10/14
Germany bull
Zippy beady-eyed cumskin potus
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
Greedy Boyish Point Rigpig
  02/07/14
...
Excitant Infuriating Roast Beef Multi-billionaire
  02/08/14
yep
Ivory spot wagecucks
  02/07/14
what is the apr on this
Hairless vivacious piazza police squad
  02/07/14
12% lol.
Supple Misunderstood Abode Turdskin
  02/07/14
fucking boomers
Self-centered chartreuse chapel
  02/07/14
...
may his bones be crushed
  04/13/26
...
azure sinister nursing home laser beams
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
Lilac plaza mexican
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
Magenta racy karate
  02/07/14
180
Lilac plaza mexican
  02/07/14
...
mischievous newt site
  02/08/14
...
Sable field
  02/13/15
...
crimson shrine internal respiration
  04/18/16
...
Lilac plaza mexican
  02/20/17
...
plum domesticated state
  02/20/17
...
crimson shrine internal respiration
  07/08/17
...
azure sinister nursing home laser beams
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
Lilac plaza mexican
  02/07/14
...
azure sinister nursing home laser beams
  02/07/14
(guy who recently watched The Secret)
Lilac plaza mexican
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
Lilac plaza mexican
  02/07/14
(Boomer in 2006 buying third investment property)
Lilac plaza mexican
  02/07/14
this will not occur over the next 40 years
Flatulent church building
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
pea-brained menage
  02/07/14
...
azure sinister nursing home laser beams
  02/07/14
Compare the demographics, foreign competition, and regulator...
Flatulent church building
  12/10/14
...
Flatulent church building
  04/18/16
A true genius
Flatulent church building
  09/29/16
...
Overrated bipolar masturbator den
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
Flatulent church building
  04/18/16
Just do assume 12% returns for 45 years
vigorous hell
  02/07/14
...
azure sinister nursing home laser beams
  02/07/14
CR incredibly retarded
Flatulent church building
  02/07/14
It doesn't change regardless of rate.
pea-brained menage
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
Flatulent church building
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
passionate drab gas station
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
ultramarine nofapping stage
  02/07/14
...
azure sinister nursing home laser beams
  02/07/14
this will not be the case for the next 50 years
Flatulent church building
  02/07/14
(Suze Orman after a few too many glasses of wine)
shivering startled athletic conference bawdyhouse
  02/07/14
lol'd
lascivious hospital legal warrant
  04/18/16
haha
Offensive Reading Party Goal In Life
  09/29/16
...
Lilac plaza mexican
  02/20/17
...
pea-brained menage
  02/20/17
...
garnet rehab
  02/20/17
...
Out-of-control box office
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
dull personal credit line
  02/07/14
...
azure sinister nursing home laser beams
  02/07/14
Not if returns were negative when/in the years immediately f...
dull personal credit line
  02/07/14
...
azure sinister nursing home laser beams
  02/07/14
? All the hypo supposes is that you start investing in yo...
dull personal credit line
  02/07/14
...
azure sinister nursing home laser beams
  02/07/14
YOUR personal rate of return is different from the market's ...
dull personal credit line
  02/07/14
...
azure sinister nursing home laser beams
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
dull personal credit line
  02/07/14
...
azure sinister nursing home laser beams
  02/07/14
you realize that to obtain the returns you stated above, one...
Magenta racy karate
  02/07/14
...
azure sinister nursing home laser beams
  02/07/14
jfc why does she write shit like this
provocative kitchen pisswyrm
  07/09/17
This is true for everything ever.
titillating macaca place of business
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
Supple Misunderstood Abode Turdskin
  02/07/14
U r 36? LOLOL
Greedy Boyish Point Rigpig
  02/07/14
34 but I put more money than $2000 per year in there.
Supple Misunderstood Abode Turdskin
  02/07/14
Damen. How does it feel to be literally half done with life?
Greedy Boyish Point Rigpig
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
Supple Misunderstood Abode Turdskin
  02/07/14
Goal retirement age??
Greedy Boyish Point Rigpig
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
Supple Misunderstood Abode Turdskin
  02/07/14
Any family pressure to get married??
Greedy Boyish Point Rigpig
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
Supple Misunderstood Abode Turdskin
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
iridescent marvelous heaven
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
comical bossy theater stage travel guidebook
  02/07/14
...
azure sinister nursing home laser beams
  02/07/14
Doctors are done here
Greedy Boyish Point Rigpig
  02/07/14
...
irradiated home feces
  02/13/15
...
Citrine trip roommate
  02/20/17
...
electric black woman
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
Supple Misunderstood Abode Turdskin
  02/07/14
What were u doing at 22?
Greedy Boyish Point Rigpig
  02/07/14
crappy consulting firm do municipal bond analysis.
Supple Misunderstood Abode Turdskin
  02/07/14
you should've gone into finance, instead. you'd have a milli...
dull personal credit line
  02/07/14
I was too lazy in college, but yeah would have been a good i...
Supple Misunderstood Abode Turdskin
  02/07/14
$38k was a decent starting salary in 1995...?
dark property scourge upon the earth
  02/08/14
my gf doesn't even have a credit card. she's 24
fluffy bat shit crazy office love of her life
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
sticky preventive strike crackhouse
  02/07/14
...
azure sinister nursing home laser beams
  02/07/14
yes arthur is fucked, ben pwns him
sticky preventive strike crackhouse
  02/07/14
Twist: Arthur was swimming in student loan debt
Lilac plaza mexican
  02/07/14
...
crystalline clown meetinghouse
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
sienna dead people who are hurt address
  02/07/14
...
mauve kink-friendly pit
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
Hideous Lay
  02/07/14
True, the idea that investing early is a good idea sure didn...
sienna dead people who are hurt address
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
flesh ticket booth
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
flesh ticket booth
  07/08/17
Right. The person who started investing earlier is still in ...
High-end obsidian base really tough guy
  07/09/17
I think the more interesting hypo is a guy who starts invest...
Flickering clear community account
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
mauve kink-friendly pit
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
Spectacular beta library
  02/07/14
I still think it's more credited to maintain liquidity and i...
Histrionic idiot
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
Supple Misunderstood Abode Turdskin
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
sienna dead people who are hurt address
  02/07/14
(cgm)
Orchid Dashing Casino
  02/07/14
What does this look like if you assume 6% returns?
180 public bath
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
Twinkling digit ratio
  02/08/14
...
azure sinister nursing home laser beams
  02/17/14
not really. my parents had very little just 20 years ago...
Aphrodisiac trailer park messiness
  02/08/14
...
azure sinister nursing home laser beams
  02/10/14
...
Navy Mad Cow Disease Skinny Woman
  07/08/17
So your telling me that if I make a lot of money ill do well...
Chrome locus
  12/10/14
...
azure sinister nursing home laser beams
  05/14/14
...
azure sinister nursing home laser beams
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
arousing temple
  12/10/14
...
azure sinister nursing home laser beams
  12/10/14
...
azure sinister nursing home laser beams
  02/13/15
this is retarded. for most of us, that would have meant soc...
Bonkers faggot firefighter lodge
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
irradiated home feces
  02/13/15
...
azure sinister nursing home laser beams
  02/13/15
we're in a bubble right now, so all of those figures are bul...
Bonkers faggot firefighter lodge
  02/13/15
...
azure sinister nursing home laser beams
  02/13/15
A year later after bitching in this thread, I have fucking $...
Supple Misunderstood Abode Turdskin
  02/13/15
...
azure sinister nursing home laser beams
  02/13/15
What has your APR been?
Maniacal mint international law enforcement agency
  02/13/15
how much money did you have in cash on the sidelines from th...
Narrow-minded know-it-all native queen of the night
  02/13/15
...
azure sinister nursing home laser beams
  12/29/15
...
azure sinister nursing home laser beams
  04/18/16
I remember a teacher showing us this kind of chart back arou...
autistic chestnut school famous landscape painting
  04/18/16
wise move
Aquamarine Orchestra Pit Affirmative Action
  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.
tan cuckold legend
  04/18/16
...
azure sinister nursing home laser beams
  04/18/16
This is false and assumes one continues working a cookie-cut...
Aphrodisiac trailer park messiness
  04/18/16
just do >10% growth every year. worked for bernie madoff
Splenetic indian lodge juggernaut
  04/18/16
This bort is retarded.
pea-brained menage
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
Cracking lavender business firm boltzmann
  04/18/16
...
azure sinister nursing home laser beams
  04/18/16
you pointed it out above several times, and each time you go...
Cracking lavender business firm boltzmann
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
anal mind-boggling ratface
  04/18/16
The real reason this chart is dumb is because of inflation. ...
olive tantric jew patrolman
  04/18/16
...
azure sinister nursing home laser beams
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
olive tantric jew patrolman
  04/18/16
...
azure sinister nursing home laser beams
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
diverse cowardly cruise ship
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
thriller fear-inspiring national
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
Sadistic stead boiling water
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
Lemon senate
  02/20/17
I agree generally that returns will be lower. But if you ask...
Sadistic stead boiling water
  02/20/17
saving for retirement is flame. just slide and let do
Odious Theater
  04/18/16
cr
Cracking lavender business firm boltzmann
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
electric black woman
  09/29/16
...
azure sinister nursing home laser beams
  09/29/16
How do they get 10% retune every year
Insane telephone
  09/29/16
noob investor question, but isn't this idea kind of self per...
painfully honest sick gunner codepig
  09/29/16
Student loan interest exceeds most investment returns so tha...
arousing temple
  09/29/16
...
painfully honest sick gunner codepig
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
Well-lubricated death wish regret
  02/20/17
...
Well-lubricated death wish regret
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
twisted charcoal parlor
  07/08/17
COMPOUND INT--*nuke melts face*
Nighttime coldplay fan
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
Appetizing yapping national security agency
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
Nighttime coldplay fan
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
Appetizing yapping national security agency
  07/08/17
(Not a rental property owner)
Flatulent church building
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
High-end obsidian base really tough guy
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
Well-lubricated death wish regret
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
Appetizing yapping national security agency
  07/08/17
now show me the table for $300K at 8% in student loans
Bateful Whorehouse
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
wine galvanic hall trust fund
  07/08/17
...
electric black woman
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
Bateful Whorehouse
  07/08/17
data entry
Navy Mad Cow Disease Skinny Woman
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
Bateful Whorehouse
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
Navy Mad Cow Disease Skinny Woman
  07/08/17
CR
electric black woman
  07/08/17
Admin assistant
electric black woman
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
Bateful Whorehouse
  07/08/17
According to the chart all you need to invest is like 2k a y...
electric black woman
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
Bat-shit-crazy windowlicker rigor
  07/08/17
things barzini knew and did that you did not for $200, alex
crystalline clown meetinghouse
  07/09/17
I think a much more sure bet is Social Security taxes being ...
zombie-like avocado location milk
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
Bat-shit-crazy windowlicker rigor
  07/08/17
Investment compounding is the single biggest scam the inve...
Twinkling digit ratio
  07/09/17
...
bearded area pistol
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
Out-of-control box office
  08/23/17
...
azure sinister nursing home laser beams
  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: azure sinister nursing home laser beams

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: contagious theatre

(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: Zippy beady-eyed cumskin potus
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: Greedy Boyish Point Rigpig

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: Excitant Infuriating Roast Beef Multi-billionaire



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: Ivory spot wagecucks

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: Hairless vivacious piazza police squad

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: Supple Misunderstood Abode Turdskin

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: Self-centered chartreuse chapel

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: azure sinister nursing home laser beams



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Lilac plaza mexican

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: Magenta racy karate

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: Lilac plaza mexican

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: mischievous newt site



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: Sable field



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: crimson shrine internal respiration



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: Lilac plaza mexican



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: plum domesticated state



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: crimson shrine internal respiration



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: azure sinister nursing home laser beams



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Lilac plaza mexican

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: azure sinister nursing home laser beams



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Lilac plaza mexican

(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: Lilac plaza mexican

(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: Lilac plaza mexican

(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: Flatulent church building

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: pea-brained menage

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: azure sinister nursing home laser beams



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: Flatulent church building

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: Flatulent church building



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: Flatulent church building

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: Overrated bipolar masturbator den



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: Flatulent church building

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: vigorous hell

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: azure sinister nursing home laser beams



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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: Flatulent church building

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: pea-brained menage

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: Flatulent church building

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: passionate drab gas station

(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: ultramarine nofapping stage

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: azure sinister nursing home laser beams



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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: Flatulent church building

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: shivering startled athletic conference bawdyhouse

(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: lascivious hospital legal warrant

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: Offensive Reading Party Goal In Life

haha

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



Reply Favorite

Date: February 20th, 2017 1:49 AM
Author: Lilac plaza mexican



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



Reply Favorite

Date: February 20th, 2017 8:38 AM
Author: pea-brained menage



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: garnet rehab



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: Out-of-control box office



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: dull personal credit line

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: azure sinister nursing home laser beams



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: dull personal credit line

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: azure sinister nursing home laser beams



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: dull personal credit line

?

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: azure sinister nursing home laser beams



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: dull personal credit line

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: azure sinister nursing home laser beams



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



Reply Favorite

Date: February 7th, 2014 4:13 PM
Author: dull personal credit line

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: azure sinister nursing home laser beams



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



Reply Favorite

Date: February 7th, 2014 4:35 PM
Author: Magenta racy karate

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: azure sinister nursing home laser beams



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



Reply Favorite

Date: July 9th, 2017 11:26 AM
Author: provocative kitchen pisswyrm

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: titillating macaca place of business

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: Supple Misunderstood Abode Turdskin

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: Greedy Boyish Point Rigpig

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: Supple Misunderstood Abode Turdskin

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: Greedy Boyish Point Rigpig

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: Supple Misunderstood Abode Turdskin

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: Greedy Boyish Point Rigpig

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: Supple Misunderstood Abode Turdskin

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: Greedy Boyish Point Rigpig

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: Supple Misunderstood Abode Turdskin

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: iridescent marvelous heaven

(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: comical bossy theater stage travel guidebook

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: azure sinister nursing home laser beams



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Greedy Boyish Point Rigpig

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: irradiated home feces



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: Citrine trip roommate



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: electric black woman



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: Supple Misunderstood Abode Turdskin

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: Greedy Boyish Point Rigpig

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: Supple Misunderstood Abode Turdskin

crappy consulting firm do municipal bond analysis.

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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: dull personal credit line

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: Supple Misunderstood Abode Turdskin

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: dark property scourge upon the earth

$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: fluffy bat shit crazy office love of her life

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: sticky preventive strike crackhouse

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: azure sinister nursing home laser beams



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: sticky preventive strike crackhouse

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: Lilac plaza mexican

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: crystalline clown meetinghouse



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



Reply Favorite

Date: February 7th, 2014 4:01 PM
Author: sienna dead people who are hurt address

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: mauve kink-friendly pit



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



Reply Favorite

Date: February 7th, 2014 4:08 PM
Author: Hideous Lay

*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: sienna dead people who are hurt address

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: flesh ticket booth

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: flesh ticket booth

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: High-end obsidian base really tough guy

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: Flickering clear community account

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: mauve kink-friendly pit

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: Spectacular beta library

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: Histrionic idiot

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: Supple Misunderstood Abode Turdskin

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: sienna dead people who are hurt address

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: Orchid Dashing Casino

(cgm)

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



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: 180 public bath

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: Twinkling digit ratio

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: azure sinister nursing home laser beams



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: Aphrodisiac trailer park messiness

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: azure sinister nursing home laser beams



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: Navy Mad Cow Disease Skinny Woman



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: Chrome locus

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: azure sinister nursing home laser beams



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: azure sinister nursing home laser beams



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: arousing temple

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: azure sinister nursing home laser beams



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: azure sinister nursing home laser beams



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: Bonkers faggot firefighter lodge

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: irradiated home feces

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

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



Reply Favorite

Date: February 13th, 2015 5:36 PM
Author: azure sinister nursing home laser beams



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: Bonkers faggot firefighter lodge

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: azure sinister nursing home laser beams



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: Supple Misunderstood Abode Turdskin

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: azure sinister nursing home laser beams



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



Reply Favorite

Date: February 13th, 2015 5:53 PM
Author: Maniacal mint international law enforcement agency

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: Narrow-minded know-it-all native queen of the night

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: azure sinister nursing home laser beams



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



Reply Favorite

Date: April 18th, 2016 7:18 AM
Author: azure sinister nursing home laser beams



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



Reply Favorite

Date: April 18th, 2016 7:47 AM
Author: autistic chestnut school famous landscape painting

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)



Reply Favorite

Date: April 18th, 2016 8:17 AM
Author: Aquamarine Orchestra Pit Affirmative Action

wise move

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



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Date: April 18th, 2016 7:49 AM
Author: tan cuckold legend

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: azure sinister nursing home laser beams



(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: Aphrodisiac trailer park messiness

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: Splenetic indian lodge juggernaut

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: pea-brained menage

This bort is retarded.

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



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Date: April 18th, 2016 9:04 AM
Author: Cracking lavender business firm boltzmann

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: azure sinister nursing home laser beams



(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: Cracking lavender business firm boltzmann

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: anal mind-boggling ratface

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)



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Date: April 18th, 2016 9:20 AM
Author: olive tantric jew patrolman

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

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



Reply Favorite

Date: April 18th, 2016 9:45 AM
Author: azure sinister nursing home laser beams



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



Reply Favorite

Date: April 18th, 2016 9:50 AM
Author: olive tantric jew patrolman

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

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



Reply Favorite

Date: April 18th, 2016 10:02 AM
Author: azure sinister nursing home laser beams



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



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Date: July 8th, 2017 11:01 AM
Author: diverse cowardly cruise ship

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: thriller fear-inspiring national

*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: Sadistic stead boiling water

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: Lemon senate

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: Sadistic stead boiling water

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)



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Date: April 18th, 2016 9:57 AM
Author: Odious Theater

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: Cracking lavender business firm boltzmann

cr

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



Reply Favorite

Date: September 29th, 2016 10:24 AM
Author: electric black woman

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: azure sinister nursing home laser beams



(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: Insane telephone

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: painfully honest sick gunner codepig

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: arousing temple

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: painfully honest sick gunner codepig



(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: Well-lubricated death wish regret

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: Well-lubricated death wish regret



(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: twisted charcoal parlor

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: Nighttime coldplay fan

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: Appetizing yapping national security agency

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: Nighttime coldplay fan

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: Appetizing yapping national security agency

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)



Reply Favorite

Date: July 8th, 2017 10:16 AM
Author: Flatulent church building

(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: High-end obsidian base really tough guy

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)



Reply Favorite

Date: July 8th, 2017 10:05 AM
Author: Well-lubricated death wish regret

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: Appetizing yapping national security agency

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: Bateful Whorehouse

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: wine galvanic hall trust fund

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: electric black woman



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



Reply Favorite

Date: July 8th, 2017 12:30 PM
Author: Bateful Whorehouse

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: Navy Mad Cow Disease Skinny Woman

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: Bateful Whorehouse

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: Navy Mad Cow Disease Skinny Woman

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: electric black woman

CR

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



Reply Favorite

Date: July 8th, 2017 12:32 PM
Author: electric black woman

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: Bateful Whorehouse

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: electric black woman

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: Bat-shit-crazy windowlicker rigor

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)



Reply Favorite

Date: July 9th, 2017 11:10 AM
Author: crystalline clown meetinghouse

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)



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Date: July 8th, 2017 12:45 PM
Author: zombie-like avocado location milk

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: Bat-shit-crazy windowlicker rigor

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: Twinkling digit ratio

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)



Reply Favorite

Date: August 22nd, 2017 7:26 PM
Author: bearded area pistol



(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: Out-of-control box office

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)



Reply Favorite

Date: September 15th, 2023 11:28 AM
Author: azure sinister nursing home laser beams



(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)



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=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)