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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...
Crystalline double fault
  02/07/14
(Dave Ramsey)
Electric fishy station
  12/10/14
Germany bull
contagious vermilion parlor
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
aromatic sick plaza weed whacker
  02/07/14
...
provocative giraffe stock car
  02/08/14
yep
exciting french spot telephone
  02/07/14
what is the apr on this
brindle puppy
  02/07/14
12% lol.
diverse tripping faggotry
  02/07/14
fucking boomers
Talented theatre
  02/07/14
...
may his bones be crushed
  04/13/26
...
Crystalline double fault
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
Passionate personal credit line
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
brilliant trip hunting ground
  02/07/14
180
Passionate personal credit line
  02/07/14
...
big gas station genital piercing
  02/08/14
...
swollen chapel
  02/13/15
...
Alcoholic nowag
  04/18/16
...
Passionate personal credit line
  02/20/17
...
canary masturbator
  02/20/17
...
Alcoholic nowag
  07/08/17
...
Crystalline double fault
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
Passionate personal credit line
  02/07/14
...
Crystalline double fault
  02/07/14
(guy who recently watched The Secret)
Passionate personal credit line
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
Passionate personal credit line
  02/07/14
(Boomer in 2006 buying third investment property)
Passionate personal credit line
  02/07/14
this will not occur over the next 40 years
Deep cuckold
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
salmon step-uncle's house
  02/07/14
...
Crystalline double fault
  02/07/14
Compare the demographics, foreign competition, and regulator...
Deep cuckold
  12/10/14
...
Deep cuckold
  04/18/16
A true genius
Deep cuckold
  09/29/16
...
Lascivious splenetic sound barrier
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
Deep cuckold
  04/18/16
Just do assume 12% returns for 45 years
seedy balding voyeur
  02/07/14
...
Crystalline double fault
  02/07/14
CR incredibly retarded
Deep cuckold
  02/07/14
It doesn't change regardless of rate.
salmon step-uncle's house
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
Deep cuckold
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
purple swashbuckling trump supporter
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
Hairraiser Gunner Karate
  02/07/14
...
Crystalline double fault
  02/07/14
this will not be the case for the next 50 years
Deep cuckold
  02/07/14
(Suze Orman after a few too many glasses of wine)
vivacious headpube
  02/07/14
lol'd
Beady-eyed preventive strike reading party
  04/18/16
haha
Spectacular bipolar love of her life orchestra pit
  09/29/16
...
Passionate personal credit line
  02/20/17
...
salmon step-uncle's house
  02/20/17
...
carnelian hell
  02/20/17
...
geriatric bespoke school roast beef
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
Angry fortuitous meteor
  02/07/14
...
Crystalline double fault
  02/07/14
Not if returns were negative when/in the years immediately f...
Angry fortuitous meteor
  02/07/14
...
Crystalline double fault
  02/07/14
? All the hypo supposes is that you start investing in yo...
Angry fortuitous meteor
  02/07/14
...
Crystalline double fault
  02/07/14
YOUR personal rate of return is different from the market's ...
Angry fortuitous meteor
  02/07/14
...
Crystalline double fault
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
Angry fortuitous meteor
  02/07/14
...
Crystalline double fault
  02/07/14
you realize that to obtain the returns you stated above, one...
brilliant trip hunting ground
  02/07/14
...
Crystalline double fault
  02/07/14
jfc why does she write shit like this
Laughsome sandwich
  07/09/17
This is true for everything ever.
Thriller death wish national
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
diverse tripping faggotry
  02/07/14
U r 36? LOLOL
aromatic sick plaza weed whacker
  02/07/14
34 but I put more money than $2000 per year in there.
diverse tripping faggotry
  02/07/14
Damen. How does it feel to be literally half done with life?
aromatic sick plaza weed whacker
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
diverse tripping faggotry
  02/07/14
Goal retirement age??
aromatic sick plaza weed whacker
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
diverse tripping faggotry
  02/07/14
Any family pressure to get married??
aromatic sick plaza weed whacker
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
diverse tripping faggotry
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
Flesh Set Old Irish Cottage
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
Know-it-all charcoal friendly grandma dysfunction
  02/07/14
...
Crystalline double fault
  02/07/14
Doctors are done here
aromatic sick plaza weed whacker
  02/07/14
...
At-the-ready rebellious state
  02/13/15
...
cerise slap-happy useless brakes chad
  02/20/17
...
Lake Cerebral Indirect Expression
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
diverse tripping faggotry
  02/07/14
What were u doing at 22?
aromatic sick plaza weed whacker
  02/07/14
crappy consulting firm do municipal bond analysis.
diverse tripping faggotry
  02/07/14
you should've gone into finance, instead. you'd have a milli...
Angry fortuitous meteor
  02/07/14
I was too lazy in college, but yeah would have been a good i...
diverse tripping faggotry
  02/07/14
$38k was a decent starting salary in 1995...?
Mauve Library Sneaky Criminal
  02/08/14
my gf doesn't even have a credit card. she's 24
sapphire hominid laser beams
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
Lavender Stead
  02/07/14
...
Crystalline double fault
  02/07/14
yes arthur is fucked, ben pwns him
Lavender Stead
  02/07/14
Twist: Arthur was swimming in student loan debt
Passionate personal credit line
  02/07/14
...
dun den
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
Cocky deranged idiot heaven
  02/07/14
...
Awkward kitty french chef
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
Light toilet seat
  02/07/14
True, the idea that investing early is a good idea sure didn...
Cocky deranged idiot heaven
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
Pontificating heady lodge
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
Pontificating heady lodge
  07/08/17
Right. The person who started investing earlier is still in ...
Odious lilac locus
  07/09/17
I think the more interesting hypo is a guy who starts invest...
Razzmatazz Institution Affirmative Action
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
Awkward kitty french chef
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
Plum excitant mad cow disease garrison
  02/07/14
I still think it's more credited to maintain liquidity and i...
Thirsty vengeful box office trust fund
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
diverse tripping faggotry
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
Cocky deranged idiot heaven
  02/07/14
(cgm)
bonkers site
  02/07/14
What does this look like if you assume 6% returns?
Aqua Cracking Doctorate
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
Fragrant psychic yarmulke
  02/08/14
...
Crystalline double fault
  02/17/14
not really. my parents had very little just 20 years ago...
Kink-friendly Meetinghouse Corn Cake
  02/08/14
...
Crystalline double fault
  02/10/14
...
Multi-colored ape antidepressant drug
  07/08/17
So your telling me that if I make a lot of money ill do well...
godawful violet twinkling uncleanness theater
  12/10/14
...
Crystalline double fault
  05/14/14
...
Crystalline double fault
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
Umber dashing pervert multi-billionaire
  12/10/14
...
Crystalline double fault
  12/10/14
...
Crystalline double fault
  02/13/15
this is retarded. for most of us, that would have meant soc...
exhilarant bronze turdskin office
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
At-the-ready rebellious state
  02/13/15
...
Crystalline double fault
  02/13/15
we're in a bubble right now, so all of those figures are bul...
exhilarant bronze turdskin office
  02/13/15
...
Crystalline double fault
  02/13/15
A year later after bitching in this thread, I have fucking $...
diverse tripping faggotry
  02/13/15
...
Crystalline double fault
  02/13/15
What has your APR been?
adventurous slate dopamine corner
  02/13/15
how much money did you have in cash on the sidelines from th...
olive location rigor
  02/13/15
...
Crystalline double fault
  12/29/15
...
Crystalline double fault
  04/18/16
I remember a teacher showing us this kind of chart back arou...
marvelous church building
  04/18/16
wise move
opaque nudist hairy legs pisswyrm
  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.
galvanic brunch faggot firefighter
  04/18/16
...
Crystalline double fault
  04/18/16
This is false and assumes one continues working a cookie-cut...
Kink-friendly Meetinghouse Corn Cake
  04/18/16
just do >10% growth every year. worked for bernie madoff
Hilarious narrow-minded crackhouse
  04/18/16
This bort is retarded.
salmon step-uncle's house
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
Concupiscible clown public bath
  04/18/16
...
Crystalline double fault
  04/18/16
you pointed it out above several times, and each time you go...
Concupiscible clown public bath
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
irradiated lemon degenerate circlehead
  04/18/16
The real reason this chart is dumb is because of inflation. ...
ruby private investor
  04/18/16
...
Crystalline double fault
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
ruby private investor
  04/18/16
...
Crystalline double fault
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
effete menage persian
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
yellow field
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
dead roommate stag film
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
Grizzly aggressive nibblets
  02/20/17
I agree generally that returns will be lower. But if you ask...
dead roommate stag film
  02/20/17
saving for retirement is flame. just slide and let do
arousing painfully honest shrine water buffalo
  04/18/16
cr
Concupiscible clown public bath
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
Lake Cerebral Indirect Expression
  09/29/16
...
Crystalline double fault
  09/29/16
How do they get 10% retune every year
garnet soul-stirring point
  09/29/16
noob investor question, but isn't this idea kind of self per...
Shaky trailer park police squad
  09/29/16
Student loan interest exceeds most investment returns so tha...
Umber dashing pervert multi-billionaire
  09/29/16
...
Shaky trailer park police squad
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
Jet stubborn business firm
  02/20/17
...
Jet stubborn business firm
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
Pearl hospital
  07/08/17
COMPOUND INT--*nuke melts face*
racy topaz mood selfie
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
Impertinent motley kitchen
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
racy topaz mood selfie
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
Impertinent motley kitchen
  07/08/17
(Not a rental property owner)
Deep cuckold
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
Odious lilac locus
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
Jet stubborn business firm
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
Impertinent motley kitchen
  07/08/17
now show me the table for $300K at 8% in student loans
Maroon fighting mediation
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
Chocolate confused church cumskin
  07/08/17
...
Lake Cerebral Indirect Expression
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
Maroon fighting mediation
  07/08/17
data entry
Multi-colored ape antidepressant drug
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
Maroon fighting mediation
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
Multi-colored ape antidepressant drug
  07/08/17
CR
Lake Cerebral Indirect Expression
  07/08/17
Admin assistant
Lake Cerebral Indirect Expression
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
Maroon fighting mediation
  07/08/17
According to the chart all you need to invest is like 2k a y...
Lake Cerebral Indirect Expression
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
filthy orange theater stage
  07/08/17
things barzini knew and did that you did not for $200, alex
dun den
  07/09/17
I think a much more sure bet is Social Security taxes being ...
ebony legend
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
filthy orange theater stage
  07/08/17
Investment compounding is the single biggest scam the inve...
Fragrant psychic yarmulke
  07/09/17
...
cyan school cafeteria
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
geriatric bespoke school roast beef
  08/23/17
...
Crystalline double fault
  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: Crystalline double fault

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: Electric fishy station

(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: contagious vermilion parlor
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: aromatic sick plaza weed whacker

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: provocative giraffe stock car



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: exciting french spot telephone

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: brindle puppy

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 tripping faggotry

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: Talented theatre

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: Crystalline double fault



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



Reply Favorite

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

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: brilliant trip hunting ground

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: Passionate personal credit line

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: big gas station genital piercing



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: swollen chapel



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: Alcoholic nowag



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: Passionate personal credit line



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: canary masturbator



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: Alcoholic nowag



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: Crystalline double fault



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Passionate personal credit line

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: Crystalline double fault



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



Reply Favorite

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

(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: Passionate personal credit line

(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: Passionate personal credit line

(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: Deep cuckold

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: salmon step-uncle's house

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: Crystalline double fault



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: Deep cuckold

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: Deep cuckold



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: Deep cuckold

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: Lascivious splenetic sound barrier



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: Deep cuckold

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: seedy balding voyeur

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: Crystalline double fault



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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: Deep cuckold

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: salmon step-uncle's house

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: Deep cuckold

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: purple swashbuckling trump supporter

(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: Hairraiser Gunner Karate

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: Crystalline double fault



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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: Deep cuckold

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: vivacious headpube

(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: Beady-eyed preventive strike reading party

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: Spectacular bipolar love of her life orchestra pit

haha

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



Reply Favorite

Date: February 20th, 2017 1:49 AM
Author: Passionate personal credit line



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



Reply Favorite

Date: February 20th, 2017 8:38 AM
Author: salmon step-uncle's house



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: carnelian hell



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: geriatric bespoke school roast beef



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Angry fortuitous meteor

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: Crystalline double fault



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Angry fortuitous meteor

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: Crystalline double fault



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: Angry fortuitous meteor

?

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: Crystalline double fault



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Angry fortuitous meteor

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: Crystalline double fault



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



Reply Favorite

Date: February 7th, 2014 4:13 PM
Author: Angry fortuitous meteor

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: Crystalline double fault



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



Reply Favorite

Date: February 7th, 2014 4:35 PM
Author: brilliant trip hunting ground

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: Crystalline double fault



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



Reply Favorite

Date: July 9th, 2017 11:26 AM
Author: Laughsome sandwich

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: Thriller death wish national

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 tripping faggotry

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: aromatic sick plaza weed whacker

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 tripping faggotry

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: aromatic sick plaza weed whacker

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 tripping faggotry

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: aromatic sick plaza weed whacker

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 tripping faggotry

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: aromatic sick plaza weed whacker

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 tripping faggotry

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: Flesh Set Old Irish Cottage

(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: Know-it-all charcoal friendly grandma dysfunction

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: Crystalline double fault



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: aromatic sick plaza weed whacker

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: At-the-ready rebellious state



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: cerise slap-happy useless brakes chad



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: Lake Cerebral Indirect Expression



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: diverse tripping faggotry

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: aromatic sick plaza weed whacker

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 tripping faggotry

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: Angry fortuitous meteor

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 tripping faggotry

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

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



Reply Favorite

Date: February 8th, 2014 10:36 AM
Author: Mauve Library Sneaky Criminal

$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: sapphire hominid laser beams

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: Lavender Stead

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: Crystalline double fault



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: Lavender Stead

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: Passionate personal credit line

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: dun den



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



Reply Favorite

Date: February 7th, 2014 4:01 PM
Author: Cocky deranged idiot heaven

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: Awkward kitty french chef



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



Reply Favorite

Date: February 7th, 2014 4:08 PM
Author: Light toilet seat

*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: Cocky deranged idiot heaven

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: Pontificating heady lodge

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: Pontificating heady lodge

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: Odious lilac locus

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: Razzmatazz Institution Affirmative Action

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: Awkward kitty french chef

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: Plum excitant mad cow disease garrison

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: Thirsty vengeful box office trust fund

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 tripping faggotry

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: Cocky deranged idiot heaven

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: bonkers site

(cgm)

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



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: Aqua Cracking Doctorate

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: Fragrant psychic yarmulke

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: Crystalline double fault



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: Kink-friendly Meetinghouse Corn Cake

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: Crystalline double fault



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: Multi-colored ape antidepressant drug



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: godawful violet twinkling uncleanness theater

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: Crystalline double fault



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: Crystalline double fault



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: Umber dashing pervert multi-billionaire

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: Crystalline double fault



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: Crystalline double fault



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: exhilarant bronze turdskin office

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: At-the-ready rebellious state

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: Crystalline double fault



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: exhilarant bronze turdskin office

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: Crystalline double fault



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: diverse tripping faggotry

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: Crystalline double fault



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



Reply Favorite

Date: February 13th, 2015 5:53 PM
Author: adventurous slate dopamine corner

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: olive location rigor

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: Crystalline double fault



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



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Date: April 18th, 2016 7:18 AM
Author: Crystalline double fault



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



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Date: April 18th, 2016 7:47 AM
Author: marvelous church building

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)



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Date: April 18th, 2016 8:17 AM
Author: opaque nudist hairy legs pisswyrm

wise move

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



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Date: April 18th, 2016 7:49 AM
Author: galvanic brunch faggot firefighter

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

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



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Date: April 18th, 2016 9:40 AM
Author: Crystalline double fault



(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: Kink-friendly Meetinghouse Corn Cake

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: Hilarious narrow-minded crackhouse

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: salmon step-uncle's house

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: Concupiscible clown public bath

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: Crystalline double fault



(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: Concupiscible clown public bath

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: irradiated lemon degenerate circlehead

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: ruby private investor

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: Crystalline double fault



(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: ruby private investor

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: Crystalline double fault



(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: effete menage persian

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: yellow field

*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: dead roommate stag film

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: Grizzly aggressive nibblets

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: dead roommate stag film

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: arousing painfully honest shrine water buffalo

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: Concupiscible clown public bath

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: Lake Cerebral Indirect Expression

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

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



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Date: September 29th, 2016 10:03 AM
Author: Crystalline double fault



(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: garnet soul-stirring point

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: Shaky trailer park police squad

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: Umber dashing pervert multi-billionaire

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)



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Date: September 29th, 2016 4:48 PM
Author: Shaky trailer park police squad



(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: Jet stubborn business firm

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)



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Date: July 8th, 2017 9:32 AM
Author: Jet stubborn business firm



(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: Pearl hospital

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: racy topaz mood selfie

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: Impertinent motley kitchen

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: racy topaz mood selfie

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: Impertinent motley kitchen

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: Deep cuckold

(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: Odious lilac locus

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: Jet stubborn business firm

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: Impertinent motley kitchen

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: Maroon fighting mediation

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: Chocolate confused church cumskin

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)



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Date: July 8th, 2017 12:28 PM
Author: Lake Cerebral Indirect Expression



(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: Maroon fighting mediation

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: Multi-colored ape antidepressant drug

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: Maroon fighting mediation

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: Multi-colored ape antidepressant drug

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: Lake Cerebral Indirect Expression

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: Lake Cerebral Indirect Expression

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: Maroon fighting mediation

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: Lake Cerebral Indirect Expression

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: filthy orange theater stage

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: dun den

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: ebony legend

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: filthy orange theater stage

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: Fragrant psychic yarmulke

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)



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Date: August 22nd, 2017 7:26 PM
Author: cyan school cafeteria



(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: geriatric bespoke school roast beef

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: Crystalline double fault



(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)



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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=2.#49814666)