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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 senate
  02/07/14
(Dave Ramsey)
ungodly puce corner
  12/10/14
Germany bull
Yellow university
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
Mind-boggling Apoplectic Shrine
  02/07/14
...
cordovan anal whorehouse private investor
  02/08/14
yep
charismatic voyeur school cafeteria
  02/07/14
what is the apr on this
Thriller Laser Beams Roast Beef
  02/07/14
12% lol.
Razzmatazz Sanctuary Mediation
  02/07/14
fucking boomers
gold thirsty kitchen corn cake
  02/07/14
...
may his bones be crushed
  04/13/26
...
Azure senate
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
offensive disturbing lodge multi-billionaire
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
Racy hairless rehab
  02/07/14
180
offensive disturbing lodge multi-billionaire
  02/07/14
...
pungent indirect expression business firm
  02/08/14
...
curious casino liquid oxygen
  02/13/15
...
medicated fat ankles
  04/18/16
...
offensive disturbing lodge multi-billionaire
  02/20/17
...
Mint Flickering Quadroon
  02/20/17
...
medicated fat ankles
  07/08/17
...
Azure senate
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
offensive disturbing lodge multi-billionaire
  02/07/14
...
Azure senate
  02/07/14
(guy who recently watched The Secret)
offensive disturbing lodge multi-billionaire
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
offensive disturbing lodge multi-billionaire
  02/07/14
(Boomer in 2006 buying third investment property)
offensive disturbing lodge multi-billionaire
  02/07/14
this will not occur over the next 40 years
razzle learning disabled mad cow disease
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
Magenta Contagious Kitty Philosopher-king
  02/07/14
...
Azure senate
  02/07/14
Compare the demographics, foreign competition, and regulator...
razzle learning disabled mad cow disease
  12/10/14
...
razzle learning disabled mad cow disease
  04/18/16
A true genius
razzle learning disabled mad cow disease
  09/29/16
...
motley hominid ticket booth
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
razzle learning disabled mad cow disease
  04/18/16
Just do assume 12% returns for 45 years
mischievous nubile station
  02/07/14
...
Azure senate
  02/07/14
CR incredibly retarded
razzle learning disabled mad cow disease
  02/07/14
It doesn't change regardless of rate.
Magenta Contagious Kitty Philosopher-king
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
razzle learning disabled mad cow disease
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
Stimulating salmon halford
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
bat shit crazy striped hyena
  02/07/14
...
Azure senate
  02/07/14
this will not be the case for the next 50 years
razzle learning disabled mad cow disease
  02/07/14
(Suze Orman after a few too many glasses of wine)
talented gunner
  02/07/14
lol'd
Duck-like stage preventive strike
  04/18/16
haha
concupiscible reading party sandwich
  09/29/16
...
offensive disturbing lodge multi-billionaire
  02/20/17
...
Magenta Contagious Kitty Philosopher-king
  02/20/17
...
hairraiser national
  02/20/17
...
Sable tanning salon
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
Beady-eyed garrison alpha
  02/07/14
...
Azure senate
  02/07/14
Not if returns were negative when/in the years immediately f...
Beady-eyed garrison alpha
  02/07/14
...
Azure senate
  02/07/14
? All the hypo supposes is that you start investing in yo...
Beady-eyed garrison alpha
  02/07/14
...
Azure senate
  02/07/14
YOUR personal rate of return is different from the market's ...
Beady-eyed garrison alpha
  02/07/14
...
Azure senate
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
Beady-eyed garrison alpha
  02/07/14
...
Azure senate
  02/07/14
you realize that to obtain the returns you stated above, one...
Racy hairless rehab
  02/07/14
...
Azure senate
  02/07/14
jfc why does she write shit like this
buck-toothed orange volcanic crater
  07/09/17
This is true for everything ever.
Marvelous slap-happy center
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
Razzmatazz Sanctuary Mediation
  02/07/14
U r 36? LOLOL
Mind-boggling Apoplectic Shrine
  02/07/14
34 but I put more money than $2000 per year in there.
Razzmatazz Sanctuary Mediation
  02/07/14
Damen. How does it feel to be literally half done with life?
Mind-boggling Apoplectic Shrine
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
Razzmatazz Sanctuary Mediation
  02/07/14
Goal retirement age??
Mind-boggling Apoplectic Shrine
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
Razzmatazz Sanctuary Mediation
  02/07/14
Any family pressure to get married??
Mind-boggling Apoplectic Shrine
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
Razzmatazz Sanctuary Mediation
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
ruby area athletic conference
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
vermilion vibrant yarmulke background story
  02/07/14
...
Azure senate
  02/07/14
Doctors are done here
Mind-boggling Apoplectic Shrine
  02/07/14
...
Ruddy parlor blood rage
  02/13/15
...
Outnumbered Double Fault Plaza
  02/20/17
...
high-end spectacular school newt
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
Razzmatazz Sanctuary Mediation
  02/07/14
What were u doing at 22?
Mind-boggling Apoplectic Shrine
  02/07/14
crappy consulting firm do municipal bond analysis.
Razzmatazz Sanctuary Mediation
  02/07/14
you should've gone into finance, instead. you'd have a milli...
Beady-eyed garrison alpha
  02/07/14
I was too lazy in college, but yeah would have been a good i...
Razzmatazz Sanctuary Mediation
  02/07/14
$38k was a decent starting salary in 1995...?
Olive exhilarant brunch
  02/08/14
my gf doesn't even have a credit card. she's 24
Tan Stead Sex Offender
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
razzle-dazzle immigrant trump supporter
  02/07/14
...
Azure senate
  02/07/14
yes arthur is fucked, ben pwns him
razzle-dazzle immigrant trump supporter
  02/07/14
Twist: Arthur was swimming in student loan debt
offensive disturbing lodge multi-billionaire
  02/07/14
...
Passionate headpube base
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
Stirring claret church building
  02/07/14
...
purple disgusting famous landscape painting nursing home
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
Free-loading excitant cruise ship antidepressant drug
  02/07/14
True, the idea that investing early is a good idea sure didn...
Stirring claret church building
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
emerald flirting giraffe stage
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
emerald flirting giraffe stage
  07/08/17
Right. The person who started investing earlier is still in ...
frum resort mad-dog skullcap
  07/09/17
I think the more interesting hypo is a guy who starts invest...
Avocado dingle berry
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
purple disgusting famous landscape painting nursing home
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
House-broken glittery prole
  02/07/14
I still think it's more credited to maintain liquidity and i...
cerebral theater stage regret
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
Razzmatazz Sanctuary Mediation
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
Stirring claret church building
  02/07/14
(cgm)
supple spruce round eye abode
  02/07/14
What does this look like if you assume 6% returns?
Zombie-like light police squad
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
topaz office knife
  02/08/14
...
Azure senate
  02/17/14
not really. my parents had very little just 20 years ago...
Big Out-of-control Personal Credit Line
  02/08/14
...
Azure senate
  02/10/14
...
dead kitty cat
  07/08/17
So your telling me that if I make a lot of money ill do well...
bateful temple
  12/10/14
...
Azure senate
  05/14/14
...
Azure senate
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
swollen shaky new version legend
  12/10/14
...
Azure senate
  12/10/14
...
Azure senate
  02/13/15
this is retarded. for most of us, that would have meant soc...
magical trip range people who are hurt
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
Ruddy parlor blood rage
  02/13/15
...
Azure senate
  02/13/15
we're in a bubble right now, so all of those figures are bul...
magical trip range people who are hurt
  02/13/15
...
Azure senate
  02/13/15
A year later after bitching in this thread, I have fucking $...
Razzmatazz Sanctuary Mediation
  02/13/15
...
Azure senate
  02/13/15
What has your APR been?
frisky location
  02/13/15
how much money did you have in cash on the sidelines from th...
Abnormal rambunctious theater wagecucks
  02/13/15
...
Azure senate
  12/29/15
...
Azure senate
  04/18/16
I remember a teacher showing us this kind of chart back arou...
Appetizing bipolar ratface
  04/18/16
wise move
flushed french chef hall
  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.
sexy low-t pistol
  04/18/16
...
Azure senate
  04/18/16
This is false and assumes one continues working a cookie-cut...
Big Out-of-control Personal Credit Line
  04/18/16
just do >10% growth every year. worked for bernie madoff
Cerise arousing address
  04/18/16
This bort is retarded.
Magenta Contagious Kitty Philosopher-king
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
flatulent chestnut therapy chapel
  04/18/16
...
Azure senate
  04/18/16
you pointed it out above several times, and each time you go...
flatulent chestnut therapy chapel
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
Coral Laughsome Point Boltzmann
  04/18/16
The real reason this chart is dumb is because of inflation. ...
aphrodisiac hospital gay wizard
  04/18/16
...
Azure senate
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
aphrodisiac hospital gay wizard
  04/18/16
...
Azure senate
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
Vivacious cream turdskin
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
unholy love of her life
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
misanthropic mustard affirmative action chad
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
floppy cuckoldry
  02/20/17
I agree generally that returns will be lower. But if you ask...
misanthropic mustard affirmative action chad
  02/20/17
saving for retirement is flame. just slide and let do
drunken house
  04/18/16
cr
flatulent chestnut therapy chapel
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
high-end spectacular school newt
  09/29/16
...
Azure senate
  09/29/16
How do they get 10% retune every year
Hideous Greedy Cumskin Library
  09/29/16
noob investor question, but isn't this idea kind of self per...
multi-colored blathering goal in life spot
  09/29/16
Student loan interest exceeds most investment returns so tha...
swollen shaky new version legend
  09/29/16
...
multi-colored blathering goal in life spot
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
know-it-all green boistinker
  02/20/17
...
know-it-all green boistinker
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
Primrose Candlestick Maker
  07/08/17
COMPOUND INT--*nuke melts face*
sapphire electric community account
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
Gay Principal's Office
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
sapphire electric community account
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
Gay Principal's Office
  07/08/17
(Not a rental property owner)
razzle learning disabled mad cow disease
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
frum resort mad-dog skullcap
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
know-it-all green boistinker
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
Gay Principal's Office
  07/08/17
now show me the table for $300K at 8% in student loans
Obsidian dragon telephone
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
Submissive Titillating Gaping
  07/08/17
...
high-end spectacular school newt
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
Obsidian dragon telephone
  07/08/17
data entry
dead kitty cat
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
Obsidian dragon telephone
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
dead kitty cat
  07/08/17
CR
high-end spectacular school newt
  07/08/17
Admin assistant
high-end spectacular school newt
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
Obsidian dragon telephone
  07/08/17
According to the chart all you need to invest is like 2k a y...
high-end spectacular school newt
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
metal bawdyhouse
  07/08/17
things barzini knew and did that you did not for $200, alex
Passionate headpube base
  07/09/17
I think a much more sure bet is Social Security taxes being ...
navy aromatic orchestra pit
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
metal bawdyhouse
  07/08/17
Investment compounding is the single biggest scam the inve...
topaz office knife
  07/09/17
...
Vigorous Jew
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
Sable tanning salon
  08/23/17
...
Azure senate
  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 senate

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: ungodly puce corner

(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: Yellow university
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: Mind-boggling Apoplectic Shrine

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: cordovan anal whorehouse private investor



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: charismatic voyeur school cafeteria

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: Thriller Laser Beams Roast Beef

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: Razzmatazz Sanctuary Mediation

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: gold thirsty kitchen corn cake

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 senate



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: offensive disturbing lodge multi-billionaire

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: Racy hairless rehab

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: offensive disturbing lodge multi-billionaire

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: pungent indirect expression business firm



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: curious casino liquid oxygen



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: medicated fat ankles



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: offensive disturbing lodge multi-billionaire



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: Mint Flickering Quadroon



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: medicated fat ankles



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: Azure senate



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: offensive disturbing lodge multi-billionaire

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 senate



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: offensive disturbing lodge multi-billionaire

(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: offensive disturbing lodge multi-billionaire

(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: offensive disturbing lodge multi-billionaire

(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: razzle learning disabled mad cow disease

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: Magenta Contagious Kitty Philosopher-king

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 senate



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: razzle learning disabled mad cow disease

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: razzle learning disabled mad cow disease



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: razzle learning disabled mad cow disease

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: motley hominid ticket booth



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: razzle learning disabled mad cow disease

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: mischievous nubile station

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 senate



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



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Date: February 7th, 2014 3:54 PM
Author: razzle learning disabled mad cow disease

CR incredibly retarded

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



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Date: April 18th, 2016 8:57 AM
Author: Magenta Contagious Kitty Philosopher-king

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: razzle learning disabled mad cow disease

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

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



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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)



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Date: February 20th, 2017 9:25 AM
Author: Stimulating salmon halford

(finance genius)

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



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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: bat shit crazy striped hyena

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 senate



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



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Date: February 7th, 2014 3:58 PM
Author: razzle learning disabled mad cow disease

this will not be the case for the next 50 years



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



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Date: February 7th, 2014 3:23 PM
Author: talented gunner

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

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



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Date: April 18th, 2016 9:35 AM
Author: Duck-like stage preventive strike

lol'd

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



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Date: September 29th, 2016 10:24 AM
Author: concupiscible reading party sandwich

haha

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



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Date: February 20th, 2017 1:49 AM
Author: offensive disturbing lodge multi-billionaire



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



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Date: February 20th, 2017 8:38 AM
Author: Magenta Contagious Kitty Philosopher-king



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



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Date: February 20th, 2017 8:40 AM
Author: hairraiser national



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



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Date: August 23rd, 2017 11:22 AM
Author: Sable tanning salon



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



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Date: February 7th, 2014 3:23 PM
Author: Beady-eyed garrison alpha

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 senate



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



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Date: February 7th, 2014 3:33 PM
Author: Beady-eyed garrison alpha

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 senate



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



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Date: February 7th, 2014 3:40 PM
Author: Beady-eyed garrison alpha

?

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 senate



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



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Date: February 7th, 2014 3:47 PM
Author: Beady-eyed garrison alpha

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 senate



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



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Date: February 7th, 2014 4:13 PM
Author: Beady-eyed garrison alpha

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 senate



(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: Racy hairless rehab

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 senate



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



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Date: July 9th, 2017 11:26 AM
Author: buck-toothed orange volcanic crater

jfc why does she write shit like this

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



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Date: September 29th, 2016 2:14 PM
Author: Marvelous slap-happy center

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: Razzmatazz Sanctuary Mediation

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)



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Date: February 7th, 2014 3:30 PM
Author: Mind-boggling Apoplectic Shrine

U r 36? LOLOL

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



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Date: February 7th, 2014 3:31 PM
Author: Razzmatazz Sanctuary Mediation

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: Mind-boggling Apoplectic Shrine

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: Razzmatazz Sanctuary Mediation

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: Mind-boggling Apoplectic Shrine

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: Razzmatazz Sanctuary Mediation

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: Mind-boggling Apoplectic Shrine

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: Razzmatazz Sanctuary Mediation

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)



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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)



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Date: February 7th, 2014 3:32 PM
Author: ruby area athletic conference

(39-year-old, MAF troll)

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



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Date: February 7th, 2014 3:38 PM
Author: vermilion vibrant yarmulke background story

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 senate



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Mind-boggling Apoplectic Shrine

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: Ruddy parlor blood rage



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: Outnumbered Double Fault Plaza



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: high-end spectacular school newt



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: Razzmatazz Sanctuary Mediation

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: Mind-boggling Apoplectic Shrine

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: Razzmatazz Sanctuary Mediation

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: Beady-eyed garrison alpha

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: Razzmatazz Sanctuary Mediation

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: Olive exhilarant brunch

$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: Tan Stead Sex Offender

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: razzle-dazzle immigrant trump supporter

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 senate



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



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Date: February 7th, 2014 3:57 PM
Author: razzle-dazzle immigrant trump supporter

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: offensive disturbing lodge multi-billionaire

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: Passionate headpube base



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



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Date: February 7th, 2014 4:01 PM
Author: Stirring claret church building

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)



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Date: February 8th, 2014 8:23 PM
Author: purple disgusting famous landscape painting nursing home



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



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Date: February 7th, 2014 4:08 PM
Author: Free-loading excitant cruise ship antidepressant drug

*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: Stirring claret church building

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: emerald flirting giraffe 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: emerald flirting giraffe 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)



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Date: July 9th, 2017 10:45 AM
Author: frum resort mad-dog skullcap

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)



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Date: February 7th, 2014 4:10 PM
Author: Avocado dingle berry

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)



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Date: February 8th, 2014 8:23 PM
Author: purple disgusting famous landscape painting nursing home

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)



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Date: February 7th, 2014 4:10 PM
Author: House-broken glittery prole

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)



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Date: February 7th, 2014 4:11 PM
Author: cerebral theater stage regret

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: Razzmatazz Sanctuary Mediation

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: Stirring claret church building

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: supple spruce round eye abode

(cgm)

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



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: Zombie-like light police squad

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: topaz office knife

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 senate



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: Big Out-of-control Personal Credit Line

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 senate



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: dead kitty cat



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



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Date: December 10th, 2014 5:07 PM
Author: bateful temple

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 senate



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: Azure senate



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: swollen shaky new version legend

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 senate



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: Azure senate



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: magical trip range people who are hurt

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: Ruddy parlor blood rage

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 senate



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: magical trip range people who are hurt

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 senate



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: Razzmatazz Sanctuary Mediation

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)



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Date: February 13th, 2015 5:52 PM
Author: Azure senate



(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: frisky location

What has your APR been?

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



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Date: February 13th, 2015 6:18 PM
Author: Abnormal rambunctious theater wagecucks

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)



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Date: December 29th, 2015 1:41 PM
Author: Azure senate



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



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Date: April 18th, 2016 7:18 AM
Author: Azure senate



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



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Date: April 18th, 2016 7:47 AM
Author: Appetizing bipolar ratface

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: flushed french chef hall

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)



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Date: April 18th, 2016 7:49 AM
Author: sexy low-t pistol

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

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



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Date: April 18th, 2016 9:40 AM
Author: Azure senate



(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: Big Out-of-control Personal Credit Line

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: Cerise arousing address

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: Magenta Contagious Kitty Philosopher-king

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: flatulent chestnut therapy chapel

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)



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Date: April 18th, 2016 9:41 AM
Author: Azure senate



(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: flatulent chestnut therapy chapel

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)



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Date: April 18th, 2016 9:20 AM
Author: Coral Laughsome Point Boltzmann

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: aphrodisiac hospital gay wizard

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)



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Date: April 18th, 2016 9:45 AM
Author: Azure senate



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



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Date: April 18th, 2016 9:50 AM
Author: aphrodisiac hospital gay wizard

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)



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Date: April 18th, 2016 10:02 AM
Author: Azure senate



(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: Vivacious cream turdskin

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)



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Date: September 15th, 2023 11:41 AM
Author: unholy love of her life

*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: misanthropic mustard affirmative action chad

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)



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Date: February 20th, 2017 3:10 AM
Author: floppy cuckoldry

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)



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Date: February 20th, 2017 7:57 AM
Author: misanthropic mustard affirmative action chad

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: drunken house

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: flatulent chestnut therapy chapel

cr

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



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Date: September 29th, 2016 10:24 AM
Author: high-end spectacular school newt

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

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



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Date: September 29th, 2016 10:03 AM
Author: Azure senate



(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: Hideous Greedy Cumskin Library

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: multi-colored blathering goal in life spot

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: swollen shaky new version legend

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)



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Date: September 29th, 2016 4:48 PM
Author: multi-colored blathering goal in life spot



(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: know-it-all green boistinker

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)



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Date: July 8th, 2017 9:32 AM
Author: know-it-all green boistinker



(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: Primrose Candlestick Maker

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: sapphire electric community account

COMPOUND INT--*nuke melts face*

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



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Date: July 8th, 2017 9:50 AM
Author: Gay Principal's Office

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)



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Date: July 8th, 2017 9:52 AM
Author: sapphire electric community account

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)



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Date: July 8th, 2017 9:54 AM
Author: Gay Principal's Office

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: razzle learning disabled mad cow disease

(Not a rental property owner)

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



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Date: July 9th, 2017 11:14 AM
Author: frum resort mad-dog skullcap

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: know-it-all green boistinker

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)



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Date: July 8th, 2017 10:06 AM
Author: Gay Principal's Office

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)



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Date: July 8th, 2017 12:06 PM
Author: Obsidian dragon telephone

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)



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Date: July 8th, 2017 12:13 PM
Author: Submissive Titillating Gaping

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)



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Date: July 8th, 2017 12:28 PM
Author: high-end spectacular school newt



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



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Date: July 8th, 2017 12:30 PM
Author: Obsidian dragon telephone

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)



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Date: July 8th, 2017 12:32 PM
Author: dead kitty cat

data entry

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



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Date: July 8th, 2017 12:46 PM
Author: Obsidian dragon telephone

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)



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Date: July 8th, 2017 1:03 PM
Author: dead kitty cat

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)



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Date: July 8th, 2017 1:04 PM
Author: high-end spectacular school newt

CR

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



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Date: July 8th, 2017 12:32 PM
Author: high-end spectacular school newt

Admin assistant

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



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Date: July 8th, 2017 12:45 PM
Author: Obsidian dragon telephone

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)



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Date: July 8th, 2017 12:57 PM
Author: high-end spectacular school newt

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)



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Date: July 8th, 2017 1:26 PM
Author: metal bawdyhouse

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: Passionate headpube base

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: navy aromatic orchestra pit

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)



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Date: July 8th, 2017 1:27 PM
Author: metal bawdyhouse

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)



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Date: July 9th, 2017 11:21 AM
Author: topaz office knife

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: Vigorous Jew



(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: Sable tanning salon

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: Azure senate



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



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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)



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



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