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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...
Lascivious stain
  02/07/14
(Dave Ramsey)
pontificating black stage brethren
  12/10/14
Germany bull
effete umber brunch
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
Stirring nighttime field codepig
  02/07/14
...
Silver school cafeteria mental disorder
  02/08/14
yep
navy dog poop weed whacker
  02/07/14
what is the apr on this
abnormal preventive strike
  02/07/14
12% lol.
Diverse theater hissy fit
  02/07/14
fucking boomers
glittery bawdyhouse
  02/07/14
...
may his bones be crushed
  04/13/26
...
Lascivious stain
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
Supple arrogant property
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
Insane Outnumbered Stock Car Toilet Seat
  02/07/14
180
Supple arrogant property
  02/07/14
...
coiffed resort fat ankles
  02/08/14
...
tan hilarious principal's office death wish
  02/13/15
...
razzle territorial library
  04/18/16
...
Supple arrogant property
  02/20/17
...
jet center
  02/20/17
...
razzle territorial library
  07/08/17
...
Lascivious stain
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
Supple arrogant property
  02/07/14
...
Lascivious stain
  02/07/14
(guy who recently watched The Secret)
Supple arrogant property
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
Supple arrogant property
  02/07/14
(Boomer in 2006 buying third investment property)
Supple arrogant property
  02/07/14
this will not occur over the next 40 years
bull headed dysfunction
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
Sepia ticket booth incel
  02/07/14
...
Lascivious stain
  02/07/14
Compare the demographics, foreign competition, and regulator...
bull headed dysfunction
  12/10/14
...
bull headed dysfunction
  04/18/16
A true genius
bull headed dysfunction
  09/29/16
...
Boyish buck-toothed temple
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
bull headed dysfunction
  04/18/16
Just do assume 12% returns for 45 years
Ruddy Dilemma Tank
  02/07/14
...
Lascivious stain
  02/07/14
CR incredibly retarded
bull headed dysfunction
  02/07/14
It doesn't change regardless of rate.
Sepia ticket booth incel
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
bull headed dysfunction
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
soggy pit
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
Mind-boggling Roommate
  02/07/14
...
Lascivious stain
  02/07/14
this will not be the case for the next 50 years
bull headed dysfunction
  02/07/14
(Suze Orman after a few too many glasses of wine)
brilliant razzmatazz quadroon
  02/07/14
lol'd
cruel-hearted people who are hurt
  04/18/16
haha
frum degenerate nursing home
  09/29/16
...
Supple arrogant property
  02/20/17
...
Sepia ticket booth incel
  02/20/17
...
Marvelous market
  02/20/17
...
Chocolate odious sweet tailpipe telephone
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
floppy business firm
  02/07/14
...
Lascivious stain
  02/07/14
Not if returns were negative when/in the years immediately f...
floppy business firm
  02/07/14
...
Lascivious stain
  02/07/14
? All the hypo supposes is that you start investing in yo...
floppy business firm
  02/07/14
...
Lascivious stain
  02/07/14
YOUR personal rate of return is different from the market's ...
floppy business firm
  02/07/14
...
Lascivious stain
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
floppy business firm
  02/07/14
...
Lascivious stain
  02/07/14
you realize that to obtain the returns you stated above, one...
Insane Outnumbered Stock Car Toilet Seat
  02/07/14
...
Lascivious stain
  02/07/14
jfc why does she write shit like this
Twisted Stag Film
  07/09/17
This is true for everything ever.
azure hyperventilating parlor idea he suggested
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
Diverse theater hissy fit
  02/07/14
U r 36? LOLOL
Stirring nighttime field codepig
  02/07/14
34 but I put more money than $2000 per year in there.
Diverse theater hissy fit
  02/07/14
Damen. How does it feel to be literally half done with life?
Stirring nighttime field codepig
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
Diverse theater hissy fit
  02/07/14
Goal retirement age??
Stirring nighttime field codepig
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
Diverse theater hissy fit
  02/07/14
Any family pressure to get married??
Stirring nighttime field codepig
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
Diverse theater hissy fit
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
Charcoal sadistic fortuitous meteor whorehouse
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
Avocado associate
  02/07/14
...
Lascivious stain
  02/07/14
Doctors are done here
Stirring nighttime field codepig
  02/07/14
...
henna heady garrison
  02/13/15
...
adventurous trump supporter
  02/20/17
...
gold racy indian lodge place of business
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
Diverse theater hissy fit
  02/07/14
What were u doing at 22?
Stirring nighttime field codepig
  02/07/14
crappy consulting firm do municipal bond analysis.
Diverse theater hissy fit
  02/07/14
you should've gone into finance, instead. you'd have a milli...
floppy business firm
  02/07/14
I was too lazy in college, but yeah would have been a good i...
Diverse theater hissy fit
  02/07/14
$38k was a decent starting salary in 1995...?
Ultramarine Galvanic Twinkling Uncleanness
  02/08/14
my gf doesn't even have a credit card. she's 24
canary exhilarant school
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
Soul-stirring mahogany hell mother
  02/07/14
...
Lascivious stain
  02/07/14
yes arthur is fucked, ben pwns him
Soul-stirring mahogany hell mother
  02/07/14
Twist: Arthur was swimming in student loan debt
Supple arrogant property
  02/07/14
...
massive thriller friendly grandma
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
Concupiscible big-titted locus voyeur
  02/07/14
...
Electric persian
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
Appetizing turquoise hunting ground therapy
  02/07/14
True, the idea that investing early is a good idea sure didn...
Concupiscible big-titted locus voyeur
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
Dun provocative hospital
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
Dun provocative hospital
  07/08/17
Right. The person who started investing earlier is still in ...
mauve hairraiser really tough guy theater stage
  07/09/17
I think the more interesting hypo is a guy who starts invest...
irradiated menage queen of the night
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
Electric persian
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
Comical naked sound barrier
  02/07/14
I still think it's more credited to maintain liquidity and i...
Contagious mustard turdskin public bath
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
Diverse theater hissy fit
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
Concupiscible big-titted locus voyeur
  02/07/14
(cgm)
Fragrant idiot
  02/07/14
What does this look like if you assume 6% returns?
Sable shrine
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
aphrodisiac costumed pocket flask athletic conference
  02/08/14
...
Lascivious stain
  02/17/14
not really. my parents had very little just 20 years ago...
lemon self-centered locale
  02/08/14
...
Lascivious stain
  02/10/14
...
Exciting Spot Boltzmann
  07/08/17
So your telling me that if I make a lot of money ill do well...
spruce geriatric crackhouse
  12/10/14
...
Lascivious stain
  05/14/14
...
Lascivious stain
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
vibrant onyx nowag dragon
  12/10/14
...
Lascivious stain
  12/10/14
...
Lascivious stain
  02/13/15
this is retarded. for most of us, that would have meant soc...
Vigorous wrinkle
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
henna heady garrison
  02/13/15
...
Lascivious stain
  02/13/15
we're in a bubble right now, so all of those figures are bul...
Vigorous wrinkle
  02/13/15
...
Lascivious stain
  02/13/15
A year later after bitching in this thread, I have fucking $...
Diverse theater hissy fit
  02/13/15
...
Lascivious stain
  02/13/15
What has your APR been?
flesh cruise ship
  02/13/15
how much money did you have in cash on the sidelines from th...
spectacular jade native kitty
  02/13/15
...
Lascivious stain
  12/29/15
...
Lascivious stain
  04/18/16
I remember a teacher showing us this kind of chart back arou...
Sinister Marketing Idea Site
  04/18/16
wise move
snowy stimulating blood rage ladyboy
  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.
Sooty rough-skinned laser beams stage
  04/18/16
...
Lascivious stain
  04/18/16
This is false and assumes one continues working a cookie-cut...
lemon self-centered locale
  04/18/16
just do >10% growth every year. worked for bernie madoff
crawly lodge
  04/18/16
This bort is retarded.
Sepia ticket booth incel
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
Violet casino deer antler
  04/18/16
...
Lascivious stain
  04/18/16
you pointed it out above several times, and each time you go...
Violet casino deer antler
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
amber piazza
  04/18/16
The real reason this chart is dumb is because of inflation. ...
fear-inspiring fighting bbw
  04/18/16
...
Lascivious stain
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
fear-inspiring fighting bbw
  04/18/16
...
Lascivious stain
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
Milky Trailer Park Liquid Oxygen
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
Aromatic submissive office mad cow disease
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
Hyperactive scourge upon the earth
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
Razzle-dazzle poppy half-breed
  02/20/17
I agree generally that returns will be lower. But if you ask...
Hyperactive scourge upon the earth
  02/20/17
saving for retirement is flame. just slide and let do
citrine cheese-eating juggernaut
  04/18/16
cr
Violet casino deer antler
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
gold racy indian lodge place of business
  09/29/16
...
Lascivious stain
  09/29/16
How do they get 10% retune every year
swashbuckling obsidian halford university
  09/29/16
noob investor question, but isn't this idea kind of self per...
Cracking Yellow Faggot Firefighter Rehab
  09/29/16
Student loan interest exceeds most investment returns so tha...
vibrant onyx nowag dragon
  09/29/16
...
Cracking Yellow Faggot Firefighter Rehab
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
Arousing Den
  02/20/17
...
Arousing Den
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
Lime State
  07/08/17
COMPOUND INT--*nuke melts face*
brindle tanning salon
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
Honey-headed excitant meetinghouse potus
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
brindle tanning salon
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
Honey-headed excitant meetinghouse potus
  07/08/17
(Not a rental property owner)
bull headed dysfunction
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
mauve hairraiser really tough guy theater stage
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
Arousing Den
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
Honey-headed excitant meetinghouse potus
  07/08/17
now show me the table for $300K at 8% in student loans
vivacious pale sanctuary coldplay fan
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
Emerald plaza multi-billionaire
  07/08/17
...
gold racy indian lodge place of business
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
vivacious pale sanctuary coldplay fan
  07/08/17
data entry
Exciting Spot Boltzmann
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
vivacious pale sanctuary coldplay fan
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
Exciting Spot Boltzmann
  07/08/17
CR
gold racy indian lodge place of business
  07/08/17
Admin assistant
gold racy indian lodge place of business
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
vivacious pale sanctuary coldplay fan
  07/08/17
According to the chart all you need to invest is like 2k a y...
gold racy indian lodge place of business
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
Bronze Misanthropic Ape Psychic
  07/08/17
things barzini knew and did that you did not for $200, alex
massive thriller friendly grandma
  07/09/17
I think a much more sure bet is Social Security taxes being ...
Talented Famous Landscape Painting
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
Bronze Misanthropic Ape Psychic
  07/08/17
Investment compounding is the single biggest scam the inve...
aphrodisiac costumed pocket flask athletic conference
  07/09/17
...
fishy pungent forum new version
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
Chocolate odious sweet tailpipe telephone
  08/23/17
...
Lascivious stain
  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: Lascivious stain

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

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



Reply Favorite

Date: December 10th, 2014 4:58 PM
Author: pontificating black stage brethren

(Dave Ramsey)

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



Reply Favorite

Date: September 15th, 2023 12:25 PM
Author: effete umber brunch
Subject: Germany bull

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

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



Reply Favorite

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



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: Stirring nighttime field codepig

Brb transferring money to my roth

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



Reply Favorite

Date: February 8th, 2014 10:44 AM
Author: Silver school cafeteria mental disorder



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: navy dog poop weed whacker

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: abnormal preventive strike

what is the apr on this

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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Diverse theater hissy fit

12% lol.

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



Reply Favorite

Date: February 7th, 2014 3:25 PM
Author: glittery bawdyhouse

fucking boomers

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



Reply Favorite

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



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



Reply Favorite

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



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Supple arrogant property

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

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



Reply Favorite

Date: February 7th, 2014 3:34 PM
Author: Insane Outnumbered Stock Car Toilet Seat

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

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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: Supple arrogant property

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: coiffed resort fat ankles



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: tan hilarious principal's office death wish



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: razzle territorial library



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: Supple arrogant property



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: jet center



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: razzle territorial library



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



Reply Favorite

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



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Supple arrogant property

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

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

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



Reply Favorite

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



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Supple arrogant property

(guy who recently watched The Secret)

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



Reply Favorite

Date: February 7th, 2014 3:56 PM
Author: Supple arrogant property

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

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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: Supple arrogant property

(Boomer in 2006 buying third investment property)

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



Reply Favorite

Date: February 7th, 2014 3:59 PM
Author: bull headed dysfunction

this will not occur over the next 40 years

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



Reply Favorite

Date: February 7th, 2014 4:36 PM
Author: Sepia ticket booth incel

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

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



Reply Favorite

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



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: bull headed dysfunction

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

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



Reply Favorite

Date: April 18th, 2016 9:12 AM
Author: bull headed dysfunction



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: bull headed dysfunction

A true genius

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



Reply Favorite

Date: April 18th, 2016 7:41 AM
Author: Boyish buck-toothed temple



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: bull headed dysfunction

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

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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Ruddy Dilemma Tank

Just do assume 12% returns for 45 years

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



Reply Favorite

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



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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: bull headed dysfunction

CR incredibly retarded

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



Reply Favorite

Date: April 18th, 2016 8:57 AM
Author: Sepia ticket booth incel

It doesn't change regardless of rate.

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



Reply Favorite

Date: April 18th, 2016 9:13 AM
Author: bull headed dysfunction

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

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



Reply Favorite

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



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



Reply Favorite

Date: February 20th, 2017 9:25 AM
Author: soggy pit

(finance genius)

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



Reply Favorite

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

So far so good

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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Mind-boggling Roommate

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

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



Reply Favorite

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



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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: bull headed dysfunction

this will not be the case for the next 50 years



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: brilliant razzmatazz quadroon

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

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



Reply Favorite

Date: April 18th, 2016 9:35 AM
Author: cruel-hearted people who are hurt

lol'd

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



Reply Favorite

Date: September 29th, 2016 10:24 AM
Author: frum degenerate nursing home

haha

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



Reply Favorite

Date: February 20th, 2017 1:49 AM
Author: Supple arrogant property



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



Reply Favorite

Date: February 20th, 2017 8:38 AM
Author: Sepia ticket booth incel



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: Marvelous market



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: Chocolate odious sweet tailpipe telephone



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: floppy business firm

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

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



Reply Favorite

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



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: floppy business firm

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

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



Reply Favorite

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



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: floppy business firm

?

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

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



Reply Favorite

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



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: floppy business firm

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



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



Reply Favorite

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



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



Reply Favorite

Date: February 7th, 2014 4:13 PM
Author: floppy business firm

False.

Here's a 5-year example:

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

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

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

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

There was no difference except for when they began investing.

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



Reply Favorite

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



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



Reply Favorite

Date: February 7th, 2014 4:35 PM
Author: Insane Outnumbered Stock Car Toilet Seat

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

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



Reply Favorite

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



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



Reply Favorite

Date: July 9th, 2017 11:26 AM
Author: Twisted Stag Film

jfc why does she write shit like this

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



Reply Favorite

Date: September 29th, 2016 2:14 PM
Author: azure hyperventilating parlor idea he suggested

This is true for everything ever.

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



Reply Favorite

Date: February 7th, 2014 3:25 PM
Author: Diverse theater hissy fit

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

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



Reply Favorite

Date: February 7th, 2014 3:30 PM
Author: Stirring nighttime field codepig

U r 36? LOLOL

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



Reply Favorite

Date: February 7th, 2014 3:31 PM
Author: Diverse theater hissy fit

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

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



Reply Favorite

Date: February 7th, 2014 3:36 PM
Author: Stirring nighttime field codepig

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

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



Reply Favorite

Date: February 7th, 2014 3:39 PM
Author: Diverse theater hissy fit

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

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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: Stirring nighttime field codepig

Goal retirement age??

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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Diverse theater hissy fit

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

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

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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: Stirring nighttime field codepig

Any family pressure to get married??

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



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: Diverse theater hissy fit

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

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



Reply Favorite

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

I'm 56 now

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



Reply Favorite

Date: February 7th, 2014 3:32 PM
Author: Charcoal sadistic fortuitous meteor whorehouse

(39-year-old, MAF troll)

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



Reply Favorite

Date: February 7th, 2014 3:38 PM
Author: Avocado associate

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

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



Reply Favorite

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



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Stirring nighttime field codepig

Doctors are done here

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



Reply Favorite

Date: February 13th, 2015 5:32 PM
Author: henna heady garrison



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: adventurous trump supporter



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: gold racy indian lodge place of business



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: Diverse theater hissy fit

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

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

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

WOmen are fucking children.

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

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

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



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: Stirring nighttime field codepig

What were u doing at 22?

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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: Diverse theater hissy fit

crappy consulting firm do municipal bond analysis.

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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: floppy business firm

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

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



Reply Favorite

Date: February 7th, 2014 3:59 PM
Author: Diverse theater hissy fit

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

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



Reply Favorite

Date: February 8th, 2014 10:36 AM
Author: Ultramarine Galvanic Twinkling Uncleanness

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

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



Reply Favorite

Date: April 18th, 2016 9:49 AM
Author: canary exhilarant school

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

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



Reply Favorite

Date: February 7th, 2014 3:48 PM
Author: Soul-stirring mahogany hell mother

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

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



Reply Favorite

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



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: Soul-stirring mahogany hell mother

yes arthur is fucked, ben pwns him

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



Reply Favorite

Date: February 7th, 2014 3:51 PM
Author: Supple arrogant property

Twist: Arthur was swimming in student loan debt

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



Reply Favorite

Date: February 13th, 2015 5:46 PM
Author: massive thriller friendly grandma



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



Reply Favorite

Date: February 7th, 2014 4:01 PM
Author: Concupiscible big-titted locus voyeur

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

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



Reply Favorite

Date: February 8th, 2014 8:23 PM
Author: Electric persian



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



Reply Favorite

Date: February 7th, 2014 4:08 PM
Author: Appetizing turquoise hunting ground therapy

*Is guy 1*

*Invests from 2001-2008*

*Is PWND*

*Is guy 2*

*Begins investing in 2008*

*PROFITS*

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



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: Concupiscible big-titted locus voyeur

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

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



Reply Favorite

Date: September 29th, 2016 1:14 PM
Author: Dun provocative hospital

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

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



Reply Favorite

Date: July 8th, 2017 10:02 AM
Author: Dun provocative hospital

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

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



Reply Favorite

Date: July 9th, 2017 10:45 AM
Author: mauve hairraiser really tough guy theater stage

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

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

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



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: irradiated menage queen of the night

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

Dude waiting until 27 probably was in grad school or something

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



Reply Favorite

Date: February 8th, 2014 8:23 PM
Author: Electric persian

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

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



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: Comical naked sound barrier

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

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



Reply Favorite

Date: February 7th, 2014 4:11 PM
Author: Contagious mustard turdskin public bath

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

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



Reply Favorite

Date: February 7th, 2014 4:15 PM
Author: Diverse theater hissy fit

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

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



Reply Favorite

Date: February 7th, 2014 4:38 PM
Author: Concupiscible big-titted locus voyeur

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

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

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



Reply Favorite

Date: February 7th, 2014 4:58 PM
Author: Fragrant idiot

(cgm)

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



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: Sable shrine

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

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



Reply Favorite

Date: February 8th, 2014 10:51 AM
Author: aphrodisiac costumed pocket flask athletic conference

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

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



Reply Favorite

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



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: lemon self-centered locale

not really.

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

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



Reply Favorite

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



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: Exciting Spot Boltzmann



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: spruce geriatric crackhouse

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

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



Reply Favorite

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



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



Reply Favorite

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



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: vibrant onyx nowag dragon

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

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



Reply Favorite

Date: December 10th, 2014 5:10 PM
Author: Lascivious stain



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



Reply Favorite

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



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: Vigorous wrinkle

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

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



Reply Favorite

Date: February 13th, 2015 5:35 PM
Author: henna heady garrison

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

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



Reply Favorite

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



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: Vigorous wrinkle

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

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



Reply Favorite

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



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: Diverse theater hissy fit

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

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



Reply Favorite

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



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



Reply Favorite

Date: February 13th, 2015 5:53 PM
Author: flesh cruise ship

What has your APR been?

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



Reply Favorite

Date: February 13th, 2015 6:18 PM
Author: spectacular jade native kitty

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

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



Reply Favorite

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



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



Reply Favorite

Date: April 18th, 2016 7:18 AM
Author: Lascivious stain



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



Reply Favorite

Date: April 18th, 2016 7:47 AM
Author: Sinister Marketing Idea Site

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

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



Reply Favorite

Date: April 18th, 2016 8:17 AM
Author: snowy stimulating blood rage ladyboy

wise move

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



Reply Favorite

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

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

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



Reply Favorite

Date: April 18th, 2016 7:49 AM
Author: Sooty rough-skinned laser beams stage

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

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



Reply Favorite

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



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



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Date: April 18th, 2016 7:50 AM
Author: lemon self-centered locale

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

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



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Date: April 18th, 2016 8:51 AM
Author: crawly lodge

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

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



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Date: April 18th, 2016 8:57 AM
Author: Sepia ticket booth incel

This bort is retarded.

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



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Date: April 18th, 2016 9:04 AM
Author: Violet casino deer antler

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

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

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



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



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



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Date: April 18th, 2016 10:04 AM
Author: Violet casino deer antler

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

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



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Date: April 18th, 2016 9:20 AM
Author: amber piazza

http://imgur.com/gnMx2MX

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

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



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Date: April 18th, 2016 9:20 AM
Author: fear-inspiring fighting bbw

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

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



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



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



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Date: April 18th, 2016 9:50 AM
Author: fear-inspiring fighting bbw

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

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



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



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



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Date: July 8th, 2017 11:01 AM
Author: Milky Trailer Park Liquid Oxygen

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

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



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Date: September 15th, 2023 11:41 AM
Author: Aromatic submissive office mad cow disease

*assumes 3% inflation*

*fade in cannibal holocaust theme*

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



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Date: April 18th, 2016 9:24 AM
Author: Hyperactive scourge upon the earth

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

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



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Date: February 20th, 2017 3:10 AM
Author: Razzle-dazzle poppy half-breed

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

401K = SCAMs

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



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Date: February 20th, 2017 7:57 AM
Author: Hyperactive scourge upon the earth

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

Don't be a boomer, save your money.

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



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Date: April 18th, 2016 9:57 AM
Author: citrine cheese-eating juggernaut

saving for retirement is flame. just slide and let do

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



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Date: April 18th, 2016 10:04 AM
Author: Violet casino deer antler

cr

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



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Date: September 29th, 2016 10:24 AM
Author: gold racy indian lodge place of business

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

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



Reply Favorite

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



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



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Date: September 29th, 2016 1:21 PM
Author: swashbuckling obsidian halford university

How do they get 10% retune every year

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



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Date: September 29th, 2016 2:04 PM
Author: Cracking Yellow Faggot Firefighter Rehab

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

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

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



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Date: September 29th, 2016 2:12 PM
Author: vibrant onyx nowag dragon

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

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



Reply Favorite

Date: September 29th, 2016 4:48 PM
Author: Cracking Yellow Faggot Firefighter Rehab



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



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Date: February 20th, 2017 8:11 AM
Author: Arousing Den

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

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



Reply Favorite

Date: July 8th, 2017 9:32 AM
Author: Arousing Den



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



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Date: July 8th, 2017 9:40 AM
Author: Lime State

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

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



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Date: July 8th, 2017 9:46 AM
Author: brindle tanning salon

COMPOUND INT--*nuke melts face*

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



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Date: July 8th, 2017 9:50 AM
Author: Honey-headed excitant meetinghouse potus

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

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



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Date: July 8th, 2017 9:52 AM
Author: brindle tanning salon

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

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



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Date: July 8th, 2017 9:54 AM
Author: Honey-headed excitant meetinghouse potus

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

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



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Date: July 8th, 2017 10:16 AM
Author: bull headed dysfunction

(Not a rental property owner)

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



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Date: July 9th, 2017 11:14 AM
Author: mauve hairraiser really tough guy theater stage

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

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

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



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Date: July 8th, 2017 10:05 AM
Author: Arousing Den

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

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



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Date: July 8th, 2017 10:06 AM
Author: Honey-headed excitant meetinghouse potus

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

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



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Date: July 8th, 2017 12:06 PM
Author: vivacious pale sanctuary coldplay fan

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

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



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Date: July 8th, 2017 12:13 PM
Author: Emerald plaza multi-billionaire

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

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



Reply Favorite

Date: July 8th, 2017 12:28 PM
Author: gold racy indian lodge place of business



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



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Date: July 8th, 2017 12:30 PM
Author: vivacious pale sanctuary coldplay fan

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

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



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Date: July 8th, 2017 12:32 PM
Author: Exciting Spot Boltzmann

data entry

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



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Date: July 8th, 2017 12:46 PM
Author: vivacious pale sanctuary coldplay fan

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

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



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Date: July 8th, 2017 1:03 PM
Author: Exciting Spot Boltzmann

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

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



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Date: July 8th, 2017 1:04 PM
Author: gold racy indian lodge place of business

CR

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



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Date: July 8th, 2017 12:32 PM
Author: gold racy indian lodge place of business

Admin assistant

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



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Date: July 8th, 2017 12:45 PM
Author: vivacious pale sanctuary coldplay fan

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

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



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Date: July 8th, 2017 12:57 PM
Author: gold racy indian lodge place of business

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

go be a front desk person/work as receptionist

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



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Date: July 8th, 2017 1:26 PM
Author: Bronze Misanthropic Ape Psychic

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

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



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Date: July 9th, 2017 11:10 AM
Author: massive thriller friendly grandma

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

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



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Date: July 8th, 2017 12:45 PM
Author: Talented Famous Landscape Painting

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

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



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Date: July 8th, 2017 1:27 PM
Author: Bronze Misanthropic Ape Psychic

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

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



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Date: July 9th, 2017 11:21 AM
Author: aphrodisiac costumed pocket flask athletic conference

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

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

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



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



Reply Favorite

Date: August 22nd, 2017 7:26 PM
Author: fishy pungent forum new version



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



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Date: August 23rd, 2017 11:19 AM
Author: Chocolate odious sweet tailpipe telephone

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

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



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



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



Reply Favorite

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



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