\
  The most prestigious law school admissions discussion board in the world.
BackRefresh Options Favorite

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

https://i.pinimg.com/736x/2e/d6/5d/2ed65d34dbac86519947d298d...
aqua up-to-no-good background story locus
  02/07/14
(Dave Ramsey)
Soul-stirring Scourge Upon The Earth Hall
  12/10/14
Germany bull
Appetizing Crusty Institution
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
Floppy black place of business
  02/07/14
...
Grizzly stubborn base
  02/08/14
yep
bearded tank
  02/07/14
what is the apr on this
olive sanctuary
  02/07/14
12% lol.
contagious embarrassed to the bone address dog poop
  02/07/14
fucking boomers
orchid gas station faggotry
  02/07/14
...
may his bones be crushed
  04/13/26
...
aqua up-to-no-good background story locus
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
Lilac Telephone Half-breed
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
Misunderstood Racy Partner
  02/07/14
180
Lilac Telephone Half-breed
  02/07/14
...
claret property
  02/08/14
...
Lascivious Ebony School
  02/13/15
...
Lavender Library
  04/18/16
...
Lilac Telephone Half-breed
  02/20/17
...
Aphrodisiac hairy legs quadroon
  02/20/17
...
Lavender Library
  07/08/17
...
aqua up-to-no-good background story locus
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
Lilac Telephone Half-breed
  02/07/14
...
aqua up-to-no-good background story locus
  02/07/14
(guy who recently watched The Secret)
Lilac Telephone Half-breed
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
Lilac Telephone Half-breed
  02/07/14
(Boomer in 2006 buying third investment property)
Lilac Telephone Half-breed
  02/07/14
this will not occur over the next 40 years
Pea-brained garnet pocket flask
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
Jet-lagged multi-colored garrison
  02/07/14
...
aqua up-to-no-good background story locus
  02/07/14
Compare the demographics, foreign competition, and regulator...
Pea-brained garnet pocket flask
  12/10/14
...
Pea-brained garnet pocket flask
  04/18/16
A true genius
Pea-brained garnet pocket flask
  09/29/16
...
topaz water buffalo
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
Pea-brained garnet pocket flask
  04/18/16
Just do assume 12% returns for 45 years
Out-of-control set
  02/07/14
...
aqua up-to-no-good background story locus
  02/07/14
CR incredibly retarded
Pea-brained garnet pocket flask
  02/07/14
It doesn't change regardless of rate.
Jet-lagged multi-colored garrison
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
Pea-brained garnet pocket flask
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
dark gaming laptop
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
talking theater
  02/07/14
...
aqua up-to-no-good background story locus
  02/07/14
this will not be the case for the next 50 years
Pea-brained garnet pocket flask
  02/07/14
(Suze Orman after a few too many glasses of wine)
vibrant emerald casino
  02/07/14
lol'd
Rusted Charismatic Becky Codepig
  04/18/16
haha
Fighting brilliant psychic
  09/29/16
...
Lilac Telephone Half-breed
  02/20/17
...
Jet-lagged multi-colored garrison
  02/20/17
...
Big seedy meetinghouse kitty
  02/20/17
...
light gay wizard dysfunction
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
swashbuckling insane patrolman
  02/07/14
...
aqua up-to-no-good background story locus
  02/07/14
Not if returns were negative when/in the years immediately f...
swashbuckling insane patrolman
  02/07/14
...
aqua up-to-no-good background story locus
  02/07/14
? All the hypo supposes is that you start investing in yo...
swashbuckling insane patrolman
  02/07/14
...
aqua up-to-no-good background story locus
  02/07/14
YOUR personal rate of return is different from the market's ...
swashbuckling insane patrolman
  02/07/14
...
aqua up-to-no-good background story locus
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
swashbuckling insane patrolman
  02/07/14
...
aqua up-to-no-good background story locus
  02/07/14
you realize that to obtain the returns you stated above, one...
Misunderstood Racy Partner
  02/07/14
...
aqua up-to-no-good background story locus
  02/07/14
jfc why does she write shit like this
Silver kitty cat
  07/09/17
This is true for everything ever.
fantasy-prone son of senegal menage
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
contagious embarrassed to the bone address dog poop
  02/07/14
U r 36? LOLOL
Floppy black place of business
  02/07/14
34 but I put more money than $2000 per year in there.
contagious embarrassed to the bone address dog poop
  02/07/14
Damen. How does it feel to be literally half done with life?
Floppy black place of business
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
contagious embarrassed to the bone address dog poop
  02/07/14
Goal retirement age??
Floppy black place of business
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
contagious embarrassed to the bone address dog poop
  02/07/14
Any family pressure to get married??
Floppy black place of business
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
contagious embarrassed to the bone address dog poop
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
Irradiated state ladyboy
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
Bat-shit-crazy marketing idea
  02/07/14
...
aqua up-to-no-good background story locus
  02/07/14
Doctors are done here
Floppy black place of business
  02/07/14
...
cruel-hearted circlehead queen of the night
  02/13/15
...
Comical Elite Love Of Her Life
  02/20/17
...
passionate hospital crotch
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
contagious embarrassed to the bone address dog poop
  02/07/14
What were u doing at 22?
Floppy black place of business
  02/07/14
crappy consulting firm do municipal bond analysis.
contagious embarrassed to the bone address dog poop
  02/07/14
you should've gone into finance, instead. you'd have a milli...
swashbuckling insane patrolman
  02/07/14
I was too lazy in college, but yeah would have been a good i...
contagious embarrassed to the bone address dog poop
  02/07/14
$38k was a decent starting salary in 1995...?
Violent vermilion plaza
  02/08/14
my gf doesn't even have a credit card. she's 24
Fragrant Turquoise Spot
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
mint coiffed abode idea he suggested
  02/07/14
...
aqua up-to-no-good background story locus
  02/07/14
yes arthur is fucked, ben pwns him
mint coiffed abode idea he suggested
  02/07/14
Twist: Arthur was swimming in student loan debt
Lilac Telephone Half-breed
  02/07/14
...
hot cruise ship
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
razzle factory reset button
  02/07/14
...
Crawly Brethren Home
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
cerebral dull volcanic crater boistinker
  02/07/14
True, the idea that investing early is a good idea sure didn...
razzle factory reset button
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
Misanthropic curious headpube internal respiration
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
Misanthropic curious headpube internal respiration
  07/08/17
Right. The person who started investing earlier is still in ...
dead galvanic resort
  07/09/17
I think the more interesting hypo is a guy who starts invest...
Vengeful Corner Clown
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
Crawly Brethren Home
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
vigorous idiot
  02/07/14
I still think it's more credited to maintain liquidity and i...
maniacal histrionic organic girlfriend
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
contagious embarrassed to the bone address dog poop
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
razzle factory reset button
  02/07/14
(cgm)
iridescent piazza gaping
  02/07/14
What does this look like if you assume 6% returns?
flesh heady office
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
Diverse kink-friendly whorehouse
  02/08/14
...
aqua up-to-no-good background story locus
  02/17/14
not really. my parents had very little just 20 years ago...
thirsty underhanded location
  02/08/14
...
aqua up-to-no-good background story locus
  02/10/14
...
Orange sadistic heaven
  07/08/17
So your telling me that if I make a lot of money ill do well...
hairless mildly autistic center
  12/10/14
...
aqua up-to-no-good background story locus
  05/14/14
...
aqua up-to-no-good background story locus
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
Brindle tanning salon alpha
  12/10/14
...
aqua up-to-no-good background story locus
  12/10/14
...
aqua up-to-no-good background story locus
  02/13/15
this is retarded. for most of us, that would have meant soc...
Deranged motley mother mad-dog skullcap
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
cruel-hearted circlehead queen of the night
  02/13/15
...
aqua up-to-no-good background story locus
  02/13/15
we're in a bubble right now, so all of those figures are bul...
Deranged motley mother mad-dog skullcap
  02/13/15
...
aqua up-to-no-good background story locus
  02/13/15
A year later after bitching in this thread, I have fucking $...
contagious embarrassed to the bone address dog poop
  02/13/15
...
aqua up-to-no-good background story locus
  02/13/15
What has your APR been?
electric learning disabled stock car
  02/13/15
how much money did you have in cash on the sidelines from th...
cordovan stirring university community account
  02/13/15
...
aqua up-to-no-good background story locus
  12/29/15
...
aqua up-to-no-good background story locus
  04/18/16
I remember a teacher showing us this kind of chart back arou...
Cowardly gaped really tough guy
  04/18/16
wise move
Magenta voyeur nibblets
  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.
Odious stage
  04/18/16
...
aqua up-to-no-good background story locus
  04/18/16
This is false and assumes one continues working a cookie-cut...
thirsty underhanded location
  04/18/16
just do >10% growth every year. worked for bernie madoff
beady-eyed ticket booth
  04/18/16
This bort is retarded.
Jet-lagged multi-colored garrison
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
charcoal electric furnace
  04/18/16
...
aqua up-to-no-good background story locus
  04/18/16
you pointed it out above several times, and each time you go...
charcoal electric furnace
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
Thriller preventive strike parlor
  04/18/16
The real reason this chart is dumb is because of inflation. ...
pungent amethyst stead
  04/18/16
...
aqua up-to-no-good background story locus
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
pungent amethyst stead
  04/18/16
...
aqua up-to-no-good background story locus
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
stimulating box office multi-billionaire
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
white chapel
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
Bull Headed Locale
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
dashing pit
  02/20/17
I agree generally that returns will be lower. But if you ask...
Bull Headed Locale
  02/20/17
saving for retirement is flame. just slide and let do
hairraiser travel guidebook
  04/18/16
cr
charcoal electric furnace
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
passionate hospital crotch
  09/29/16
...
aqua up-to-no-good background story locus
  09/29/16
How do they get 10% retune every year
Lake market
  09/29/16
noob investor question, but isn't this idea kind of self per...
Saffron Point People Who Are Hurt
  09/29/16
Student loan interest exceeds most investment returns so tha...
Brindle tanning salon alpha
  09/29/16
...
Saffron Point People Who Are Hurt
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
Cocky french incel
  02/20/17
...
Cocky french incel
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
Free-loading mind-boggling ceo
  07/08/17
COMPOUND INT--*nuke melts face*
Shivering Bawdyhouse
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
brass 180 public bath pervert
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
Shivering Bawdyhouse
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
brass 180 public bath pervert
  07/08/17
(Not a rental property owner)
Pea-brained garnet pocket flask
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
dead galvanic resort
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
Cocky french incel
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
brass 180 public bath pervert
  07/08/17
now show me the table for $300K at 8% in student loans
Mentally impaired doctorate
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
wine temple antidepressant drug
  07/08/17
...
passionate hospital crotch
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
Mentally impaired doctorate
  07/08/17
data entry
Orange sadistic heaven
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
Mentally impaired doctorate
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
Orange sadistic heaven
  07/08/17
CR
passionate hospital crotch
  07/08/17
Admin assistant
passionate hospital crotch
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
Mentally impaired doctorate
  07/08/17
According to the chart all you need to invest is like 2k a y...
passionate hospital crotch
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
haunting mustard sex offender
  07/08/17
things barzini knew and did that you did not for $200, alex
hot cruise ship
  07/09/17
I think a much more sure bet is Social Security taxes being ...
trip field sweet tailpipe
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
haunting mustard sex offender
  07/08/17
Investment compounding is the single biggest scam the inve...
Diverse kink-friendly whorehouse
  07/09/17
...
know-it-all snowy school cafeteria cumskin
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
light gay wizard dysfunction
  08/23/17
...
aqua up-to-no-good background story locus
  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: aqua up-to-no-good background story locus

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: Soul-stirring Scourge Upon The Earth Hall

(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: Appetizing Crusty Institution
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: Floppy black place of business

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: Grizzly stubborn base



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: bearded tank

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: olive sanctuary

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: contagious embarrassed to the bone address dog poop

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: orchid gas station faggotry

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: aqua up-to-no-good background story locus



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Lilac Telephone Half-breed

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: Misunderstood Racy Partner

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: Lilac Telephone Half-breed

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: claret property



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: Lascivious Ebony School



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: Lavender Library



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: Lilac Telephone Half-breed



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: Aphrodisiac hairy legs quadroon



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: Lavender Library



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: aqua up-to-no-good background story locus



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Lilac Telephone Half-breed

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: aqua up-to-no-good background story locus



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Lilac Telephone Half-breed

(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: Lilac Telephone Half-breed

(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: Lilac Telephone Half-breed

(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: Pea-brained garnet pocket flask

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: Jet-lagged multi-colored garrison

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: aqua up-to-no-good background story locus



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: Pea-brained garnet pocket flask

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: Pea-brained garnet pocket flask



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: Pea-brained garnet pocket flask

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: topaz water buffalo



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: Pea-brained garnet pocket flask

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: Out-of-control set

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: aqua up-to-no-good background story locus



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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: Pea-brained garnet pocket flask

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: Jet-lagged multi-colored garrison

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: Pea-brained garnet pocket flask

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: dark gaming laptop

(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: talking theater

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: aqua up-to-no-good background story locus



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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: Pea-brained garnet pocket flask

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: vibrant emerald casino

(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: Rusted Charismatic Becky Codepig

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: Fighting brilliant psychic

haha

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



Reply Favorite

Date: February 20th, 2017 1:49 AM
Author: Lilac Telephone Half-breed



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



Reply Favorite

Date: February 20th, 2017 8:38 AM
Author: Jet-lagged multi-colored garrison



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: Big seedy meetinghouse kitty



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: light gay wizard dysfunction



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: swashbuckling insane patrolman

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: aqua up-to-no-good background story locus



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: swashbuckling insane patrolman

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: aqua up-to-no-good background story locus



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: swashbuckling insane patrolman

?

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: aqua up-to-no-good background story locus



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: swashbuckling insane patrolman

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: aqua up-to-no-good background story locus



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



Reply Favorite

Date: February 7th, 2014 4:13 PM
Author: swashbuckling insane patrolman

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: aqua up-to-no-good background story locus



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



Reply Favorite

Date: February 7th, 2014 4:35 PM
Author: Misunderstood Racy Partner

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: aqua up-to-no-good background story locus



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



Reply Favorite

Date: July 9th, 2017 11:26 AM
Author: Silver kitty cat

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: fantasy-prone son of senegal menage

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: contagious embarrassed to the bone address dog poop

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: Floppy black place of business

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: contagious embarrassed to the bone address dog poop

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: Floppy black place of business

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: contagious embarrassed to the bone address dog poop

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: Floppy black place of business

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: contagious embarrassed to the bone address dog poop

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: Floppy black place of business

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: contagious embarrassed to the bone address dog poop

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: Irradiated state ladyboy

(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: Bat-shit-crazy marketing idea

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: aqua up-to-no-good background story locus



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Floppy black place of business

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: cruel-hearted circlehead queen of the night



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: Comical Elite Love Of Her Life



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: passionate hospital crotch



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: contagious embarrassed to the bone address dog poop

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: Floppy black place of business

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: contagious embarrassed to the bone address dog poop

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: swashbuckling insane patrolman

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: contagious embarrassed to the bone address dog poop

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: Violent vermilion plaza

$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: Fragrant Turquoise Spot

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: mint coiffed abode idea he suggested

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: aqua up-to-no-good background story locus



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: mint coiffed abode idea he suggested

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: Lilac Telephone Half-breed

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: hot cruise ship



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



Reply Favorite

Date: February 7th, 2014 4:01 PM
Author: razzle factory reset button

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: Crawly Brethren Home



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



Reply Favorite

Date: February 7th, 2014 4:08 PM
Author: cerebral dull volcanic crater boistinker

*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: razzle factory reset button

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: Misanthropic curious headpube internal respiration

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: Misanthropic curious headpube internal respiration

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: dead galvanic resort

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: Vengeful Corner Clown

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: Crawly Brethren Home

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

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



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: vigorous idiot

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: maniacal histrionic organic girlfriend

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: contagious embarrassed to the bone address dog poop

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: razzle factory reset button

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: iridescent piazza gaping

(cgm)

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



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: flesh heady office

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: Diverse kink-friendly whorehouse

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: aqua up-to-no-good background story locus



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: thirsty underhanded location

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: aqua up-to-no-good background story locus



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: Orange sadistic heaven



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: hairless mildly autistic center

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: aqua up-to-no-good background story locus



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: aqua up-to-no-good background story locus



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: Brindle tanning salon alpha

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: aqua up-to-no-good background story locus



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: aqua up-to-no-good background story locus



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: Deranged motley mother mad-dog skullcap

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: cruel-hearted circlehead queen of the night

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: aqua up-to-no-good background story locus



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: Deranged motley mother mad-dog skullcap

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: aqua up-to-no-good background story locus



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: contagious embarrassed to the bone address dog poop

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: aqua up-to-no-good background story locus



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



Reply Favorite

Date: February 13th, 2015 5:53 PM
Author: electric learning disabled stock car

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: cordovan stirring university community account

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: aqua up-to-no-good background story locus



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



Reply Favorite

Date: April 18th, 2016 7:18 AM
Author: aqua up-to-no-good background story locus



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



Reply Favorite

Date: April 18th, 2016 7:47 AM
Author: Cowardly gaped really tough guy

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: Magenta voyeur nibblets

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: Odious 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: aqua up-to-no-good background story locus



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



Reply Favorite

Date: April 18th, 2016 7:50 AM
Author: thirsty underhanded location

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)



Reply Favorite

Date: April 18th, 2016 8:51 AM
Author: beady-eyed ticket booth

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

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



Reply Favorite

Date: April 18th, 2016 8:57 AM
Author: Jet-lagged multi-colored garrison

This bort is retarded.

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



Reply Favorite

Date: April 18th, 2016 9:04 AM
Author: charcoal electric furnace

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)



Reply Favorite

Date: April 18th, 2016 9:41 AM
Author: aqua up-to-no-good background story locus



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



Reply Favorite

Date: April 18th, 2016 10:04 AM
Author: charcoal electric furnace

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)



Reply Favorite

Date: April 18th, 2016 9:20 AM
Author: Thriller preventive strike parlor

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)



Reply Favorite

Date: April 18th, 2016 9:20 AM
Author: pungent amethyst stead

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)



Reply Favorite

Date: April 18th, 2016 9:45 AM
Author: aqua up-to-no-good background story locus



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



Reply Favorite

Date: April 18th, 2016 9:50 AM
Author: pungent amethyst stead

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)



Reply Favorite

Date: April 18th, 2016 10:02 AM
Author: aqua up-to-no-good background story locus



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



Reply Favorite

Date: July 8th, 2017 11:01 AM
Author: stimulating box office multi-billionaire

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)



Reply Favorite

Date: September 15th, 2023 11:41 AM
Author: white chapel

*assumes 3% inflation*

*fade in cannibal holocaust theme*

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



Reply Favorite

Date: April 18th, 2016 9:24 AM
Author: Bull Headed Locale

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)



Reply Favorite

Date: February 20th, 2017 3:10 AM
Author: dashing pit

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)



Reply Favorite

Date: February 20th, 2017 7:57 AM
Author: Bull Headed Locale

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)



Reply Favorite

Date: April 18th, 2016 9:57 AM
Author: hairraiser travel guidebook

saving for retirement is flame. just slide and let do

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



Reply Favorite

Date: April 18th, 2016 10:04 AM
Author: charcoal electric furnace

cr

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



Reply Favorite

Date: September 29th, 2016 10:24 AM
Author: passionate hospital crotch

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: aqua up-to-no-good background story locus



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



Reply Favorite

Date: September 29th, 2016 1:21 PM
Author: Lake market

How do they get 10% retune every year

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



Reply Favorite

Date: September 29th, 2016 2:04 PM
Author: Saffron Point People Who Are Hurt

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)



Reply Favorite

Date: September 29th, 2016 2:12 PM
Author: Brindle tanning salon alpha

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: Saffron Point People Who Are Hurt



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



Reply Favorite

Date: February 20th, 2017 8:11 AM
Author: Cocky french incel

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: Cocky french incel



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



Reply Favorite

Date: July 8th, 2017 9:40 AM
Author: Free-loading mind-boggling ceo

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

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



Reply Favorite

Date: July 8th, 2017 9:46 AM
Author: Shivering Bawdyhouse

COMPOUND INT--*nuke melts face*

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



Reply Favorite

Date: July 8th, 2017 9:50 AM
Author: brass 180 public bath pervert

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)



Reply Favorite

Date: July 8th, 2017 9:52 AM
Author: Shivering Bawdyhouse

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)



Reply Favorite

Date: July 8th, 2017 9:54 AM
Author: brass 180 public bath pervert

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)



Reply Favorite

Date: July 8th, 2017 10:16 AM
Author: Pea-brained garnet pocket flask

(Not a rental property owner)

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



Reply Favorite

Date: July 9th, 2017 11:14 AM
Author: dead galvanic resort

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)



Reply Favorite

Date: July 8th, 2017 10:05 AM
Author: Cocky french incel

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)



Reply Favorite

Date: July 8th, 2017 10:06 AM
Author: brass 180 public bath pervert

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)



Reply Favorite

Date: July 8th, 2017 12:06 PM
Author: Mentally impaired doctorate

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)



Reply Favorite

Date: July 8th, 2017 12:13 PM
Author: wine temple antidepressant drug

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: passionate hospital crotch



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



Reply Favorite

Date: July 8th, 2017 12:30 PM
Author: Mentally impaired doctorate

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)



Reply Favorite

Date: July 8th, 2017 12:32 PM
Author: Orange sadistic heaven

data entry

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



Reply Favorite

Date: July 8th, 2017 12:46 PM
Author: Mentally impaired doctorate

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)



Reply Favorite

Date: July 8th, 2017 1:03 PM
Author: Orange sadistic heaven

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)



Reply Favorite

Date: July 8th, 2017 1:04 PM
Author: passionate hospital crotch

CR

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



Reply Favorite

Date: July 8th, 2017 12:32 PM
Author: passionate hospital crotch

Admin assistant

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



Reply Favorite

Date: July 8th, 2017 12:45 PM
Author: Mentally impaired doctorate

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)



Reply Favorite

Date: July 8th, 2017 12:57 PM
Author: passionate hospital crotch

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)



Reply Favorite

Date: July 8th, 2017 1:26 PM
Author: haunting mustard sex offender

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)



Reply Favorite

Date: July 9th, 2017 11:10 AM
Author: hot cruise ship

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)



Reply Favorite

Date: July 8th, 2017 12:45 PM
Author: trip field sweet tailpipe

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)



Reply Favorite

Date: July 8th, 2017 1:27 PM
Author: haunting mustard sex offender

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)



Reply Favorite

Date: July 9th, 2017 11:21 AM
Author: Diverse kink-friendly whorehouse

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: know-it-all snowy school cafeteria cumskin



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



Reply Favorite

Date: August 23rd, 2017 11:19 AM
Author: light gay wizard dysfunction

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)



Reply Favorite

Date: September 15th, 2023 11:28 AM
Author: aqua up-to-no-good background story locus



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



Reply Favorite

Date: April 13th, 2026 1:45 PM
Author: add more sirens or I will keep poasting

how’d we all do?

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



Reply Favorite

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

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

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