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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...
frisky shaky mood market
  02/07/14
(Dave Ramsey)
grizzly boyish brunch
  12/10/14
Germany bull
excitant greedy laser beams keepsake machete
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
Cyan space
  02/07/14
...
irate turquoise church building
  02/08/14
yep
Chrome Cruise Ship
  02/07/14
what is the apr on this
Nofapping Spot Idiot
  02/07/14
12% lol.
Fragrant senate death wish
  02/07/14
fucking boomers
fear-inspiring location
  02/07/14
...
may his bones be crushed
  04/13/26
...
frisky shaky mood market
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
Red people who are hurt temple
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
abusive amber immigrant
  02/07/14
180
Red people who are hurt temple
  02/07/14
...
Odious scarlet electric furnace
  02/08/14
...
180 jet-lagged factory reset button gas station
  02/13/15
...
Aggressive Harsh Dingle Berry Stage
  04/18/16
...
Red people who are hurt temple
  02/20/17
...
lascivious volcanic crater pit
  02/20/17
...
Aggressive Harsh Dingle Berry Stage
  07/08/17
...
frisky shaky mood market
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
Red people who are hurt temple
  02/07/14
...
frisky shaky mood market
  02/07/14
(guy who recently watched The Secret)
Red people who are hurt temple
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
Red people who are hurt temple
  02/07/14
(Boomer in 2006 buying third investment property)
Red people who are hurt temple
  02/07/14
this will not occur over the next 40 years
Henna stain
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
Vivacious Beta Base Sweet Tailpipe
  02/07/14
...
frisky shaky mood market
  02/07/14
Compare the demographics, foreign competition, and regulator...
Henna stain
  12/10/14
...
Henna stain
  04/18/16
A true genius
Henna stain
  09/29/16
...
Topaz mental disorder church
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
Henna stain
  04/18/16
Just do assume 12% returns for 45 years
Flesh blood rage plaza
  02/07/14
...
frisky shaky mood market
  02/07/14
CR incredibly retarded
Henna stain
  02/07/14
It doesn't change regardless of rate.
Vivacious Beta Base Sweet Tailpipe
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
Henna stain
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
marvelous parlor
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
Brindle razzmatazz casino regret
  02/07/14
...
frisky shaky mood market
  02/07/14
this will not be the case for the next 50 years
Henna stain
  02/07/14
(Suze Orman after a few too many glasses of wine)
French Skinny Woman Hunting Ground
  02/07/14
lol'd
brilliant reading party step-uncle's house
  04/18/16
haha
vibrant whorehouse legend
  09/29/16
...
Red people who are hurt temple
  02/20/17
...
Vivacious Beta Base Sweet Tailpipe
  02/20/17
...
big jade goyim
  02/20/17
...
disrespectful national
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
stimulating black fortuitous meteor
  02/07/14
...
frisky shaky mood market
  02/07/14
Not if returns were negative when/in the years immediately f...
stimulating black fortuitous meteor
  02/07/14
...
frisky shaky mood market
  02/07/14
? All the hypo supposes is that you start investing in yo...
stimulating black fortuitous meteor
  02/07/14
...
frisky shaky mood market
  02/07/14
YOUR personal rate of return is different from the market's ...
stimulating black fortuitous meteor
  02/07/14
...
frisky shaky mood market
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
stimulating black fortuitous meteor
  02/07/14
...
frisky shaky mood market
  02/07/14
you realize that to obtain the returns you stated above, one...
abusive amber immigrant
  02/07/14
...
frisky shaky mood market
  02/07/14
jfc why does she write shit like this
Canary floppy point
  07/09/17
This is true for everything ever.
motley lavender library faggot firefighter
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
Fragrant senate death wish
  02/07/14
U r 36? LOLOL
Cyan space
  02/07/14
34 but I put more money than $2000 per year in there.
Fragrant senate death wish
  02/07/14
Damen. How does it feel to be literally half done with life?
Cyan space
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
Fragrant senate death wish
  02/07/14
Goal retirement age??
Cyan space
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
Fragrant senate death wish
  02/07/14
Any family pressure to get married??
Cyan space
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
Fragrant senate death wish
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
garnet range
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
orchid ticket booth milk
  02/07/14
...
frisky shaky mood market
  02/07/14
Doctors are done here
Cyan space
  02/07/14
...
walnut abode circlehead
  02/13/15
...
House-broken cordovan affirmative action
  02/20/17
...
Exhilarant school clown
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
Fragrant senate death wish
  02/07/14
What were u doing at 22?
Cyan space
  02/07/14
crappy consulting firm do municipal bond analysis.
Fragrant senate death wish
  02/07/14
you should've gone into finance, instead. you'd have a milli...
stimulating black fortuitous meteor
  02/07/14
I was too lazy in college, but yeah would have been a good i...
Fragrant senate death wish
  02/07/14
$38k was a decent starting salary in 1995...?
effete masturbator ape
  02/08/14
my gf doesn't even have a credit card. she's 24
Navy cracking stage
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
honey-headed depressive
  02/07/14
...
frisky shaky mood market
  02/07/14
yes arthur is fucked, ben pwns him
honey-headed depressive
  02/07/14
Twist: Arthur was swimming in student loan debt
Red people who are hurt temple
  02/07/14
...
learning disabled swashbuckling menage
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
Aromatic organic girlfriend bawdyhouse
  02/07/14
...
Comical swollen messiness center
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
Ebony spectacular shrine
  02/07/14
True, the idea that investing early is a good idea sure didn...
Aromatic organic girlfriend bawdyhouse
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
Razzle burgundy tank
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
Razzle burgundy tank
  07/08/17
Right. The person who started investing earlier is still in ...
electric internet-worthy business firm police squad
  07/09/17
I think the more interesting hypo is a guy who starts invest...
Tan stirring den
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
Comical swollen messiness center
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
buck-toothed fanboi
  02/07/14
I still think it's more credited to maintain liquidity and i...
Heady self-absorbed stead
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
Fragrant senate death wish
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
Aromatic organic girlfriend bawdyhouse
  02/07/14
(cgm)
Pontificating Nighttime Kitty
  02/07/14
What does this look like if you assume 6% returns?
hot theatre
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
Emerald Aphrodisiac Home
  02/08/14
...
frisky shaky mood market
  02/17/14
not really. my parents had very little just 20 years ago...
Hairraiser apoplectic nibblets
  02/08/14
...
frisky shaky mood market
  02/10/14
...
Shimmering supple sanctuary trump supporter
  07/08/17
So your telling me that if I make a lot of money ill do well...
haunting bright office puppy
  12/10/14
...
frisky shaky mood market
  05/14/14
...
frisky shaky mood market
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
cruel-hearted juggernaut
  12/10/14
...
frisky shaky mood market
  12/10/14
...
frisky shaky mood market
  02/13/15
this is retarded. for most of us, that would have meant soc...
disturbing peach institution windowlicker
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
walnut abode circlehead
  02/13/15
...
frisky shaky mood market
  02/13/15
we're in a bubble right now, so all of those figures are bul...
disturbing peach institution windowlicker
  02/13/15
...
frisky shaky mood market
  02/13/15
A year later after bitching in this thread, I have fucking $...
Fragrant senate death wish
  02/13/15
...
frisky shaky mood market
  02/13/15
What has your APR been?
Violent lemon jewess chapel
  02/13/15
how much money did you have in cash on the sidelines from th...
translucent idiotic locus
  02/13/15
...
frisky shaky mood market
  12/29/15
...
frisky shaky mood market
  04/18/16
I remember a teacher showing us this kind of chart back arou...
vigorous toilet seat potus
  04/18/16
wise move
Primrose partner nursing home
  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.
Plum contagious university
  04/18/16
...
frisky shaky mood market
  04/18/16
This is false and assumes one continues working a cookie-cut...
Hairraiser apoplectic nibblets
  04/18/16
just do >10% growth every year. worked for bernie madoff
charismatic kitchen water buffalo
  04/18/16
This bort is retarded.
Vivacious Beta Base Sweet Tailpipe
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
laughsome field wagecucks
  04/18/16
...
frisky shaky mood market
  04/18/16
you pointed it out above several times, and each time you go...
laughsome field wagecucks
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
mind-boggling sandwich round eye
  04/18/16
The real reason this chart is dumb is because of inflation. ...
Blue sadistic famous landscape painting
  04/18/16
...
frisky shaky mood market
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
Blue sadistic famous landscape painting
  04/18/16
...
frisky shaky mood market
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
Soul-stirring Personal Credit Line
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
Bateful garrison
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
hyperactive cuck
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
carmine macaca
  02/20/17
I agree generally that returns will be lower. But if you ask...
hyperactive cuck
  02/20/17
saving for retirement is flame. just slide and let do
impressive bespoke set hominid
  04/18/16
cr
laughsome field wagecucks
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
Exhilarant school clown
  09/29/16
...
frisky shaky mood market
  09/29/16
How do they get 10% retune every year
magenta anal lay
  09/29/16
noob investor question, but isn't this idea kind of self per...
Histrionic Theater Stage Generalized Bond
  09/29/16
Student loan interest exceeds most investment returns so tha...
cruel-hearted juggernaut
  09/29/16
...
Histrionic Theater Stage Generalized Bond
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
Irradiated locale cumskin
  02/20/17
...
Irradiated locale cumskin
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
wonderful domesticated trailer park
  07/08/17
COMPOUND INT--*nuke melts face*
Iridescent Sticky Rehab
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
galvanic old irish cottage house
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
Iridescent Sticky Rehab
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
galvanic old irish cottage house
  07/08/17
(Not a rental property owner)
Henna stain
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
electric internet-worthy business firm police squad
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
Irradiated locale cumskin
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
galvanic old irish cottage house
  07/08/17
now show me the table for $300K at 8% in student loans
sienna area filthpig
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
Provocative up-to-no-good piazza really tough guy
  07/08/17
...
Exhilarant school clown
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
sienna area filthpig
  07/08/17
data entry
Shimmering supple sanctuary trump supporter
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
sienna area filthpig
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
Shimmering supple sanctuary trump supporter
  07/08/17
CR
Exhilarant school clown
  07/08/17
Admin assistant
Exhilarant school clown
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
sienna area filthpig
  07/08/17
According to the chart all you need to invest is like 2k a y...
Exhilarant school clown
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
nudist fluffy degenerate pervert
  07/08/17
things barzini knew and did that you did not for $200, alex
learning disabled swashbuckling menage
  07/09/17
I think a much more sure bet is Social Security taxes being ...
trip alcoholic stag film roast beef
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
nudist fluffy degenerate pervert
  07/08/17
Investment compounding is the single biggest scam the inve...
Emerald Aphrodisiac Home
  07/09/17
...
azure principal's office sex offender
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
disrespectful national
  08/23/17
...
frisky shaky mood market
  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: frisky shaky mood market

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: grizzly boyish brunch

(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: excitant greedy laser beams keepsake machete
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: Cyan space

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: irate turquoise church building



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: Chrome Cruise Ship

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: Nofapping Spot Idiot

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: Fragrant senate death wish

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: fear-inspiring location

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: frisky shaky mood market



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Red people who are hurt temple

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: abusive amber immigrant

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: Red people who are hurt temple

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: Odious scarlet electric furnace



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: 180 jet-lagged factory reset button gas station



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: Aggressive Harsh Dingle Berry Stage



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: Red people who are hurt temple



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: lascivious volcanic crater pit



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: Aggressive Harsh Dingle Berry Stage



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: frisky shaky mood market



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Red people who are hurt temple

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: frisky shaky mood market



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Red people who are hurt temple

(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: Red people who are hurt temple

(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: Red people who are hurt temple

(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: Henna stain

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: Vivacious Beta Base Sweet Tailpipe

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: frisky shaky mood market



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: Henna stain

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: Henna stain



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: Henna stain

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 mental disorder church



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: Henna stain

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: Flesh blood rage plaza

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: frisky shaky mood market



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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: Henna stain

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: Vivacious Beta Base Sweet Tailpipe

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: Henna stain

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: marvelous parlor

(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: Brindle razzmatazz casino regret

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: frisky shaky mood market



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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: Henna stain

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: French Skinny Woman Hunting Ground

(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: brilliant reading party step-uncle's house

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: vibrant whorehouse legend

haha

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



Reply Favorite

Date: February 20th, 2017 1:49 AM
Author: Red people who are hurt temple



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



Reply Favorite

Date: February 20th, 2017 8:38 AM
Author: Vivacious Beta Base Sweet Tailpipe



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: big jade goyim



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: disrespectful national



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: stimulating black 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: frisky shaky mood market



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: stimulating black 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: frisky shaky mood market



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: stimulating black 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: frisky shaky mood market



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: stimulating black 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: frisky shaky mood market



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



Reply Favorite

Date: February 7th, 2014 4:13 PM
Author: stimulating black 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: frisky shaky mood market



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



Reply Favorite

Date: February 7th, 2014 4:35 PM
Author: abusive amber immigrant

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: frisky shaky mood market



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



Reply Favorite

Date: July 9th, 2017 11:26 AM
Author: Canary floppy point

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: motley lavender library faggot firefighter

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: Fragrant senate death wish

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: Cyan space

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: Fragrant senate death wish

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: Cyan space

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: Fragrant senate death wish

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: Cyan space

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: Fragrant senate death wish

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: Cyan space

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: Fragrant senate death wish

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: garnet range

(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: orchid ticket booth milk

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: frisky shaky mood market



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Cyan space

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: walnut abode circlehead



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: House-broken cordovan affirmative action



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: Exhilarant school clown



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: Fragrant senate death wish

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: Cyan space

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: Fragrant senate death wish

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: stimulating black 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: Fragrant senate death wish

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: effete masturbator ape

$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: Navy cracking stage

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: honey-headed depressive

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: frisky shaky mood market



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: honey-headed depressive

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: Red people who are hurt temple

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: learning disabled swashbuckling menage



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



Reply Favorite

Date: February 7th, 2014 4:01 PM
Author: Aromatic organic girlfriend bawdyhouse

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: Comical swollen messiness center



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



Reply Favorite

Date: February 7th, 2014 4:08 PM
Author: Ebony spectacular shrine

*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: Aromatic organic girlfriend bawdyhouse

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: Razzle burgundy tank

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: Razzle burgundy tank

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: electric internet-worthy business firm police squad

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: Tan stirring den

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: Comical swollen messiness center

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: buck-toothed fanboi

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: Heady self-absorbed stead

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: Fragrant senate death wish

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: Aromatic organic girlfriend bawdyhouse

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: Pontificating Nighttime Kitty

(cgm)

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



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: hot theatre

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: Emerald Aphrodisiac Home

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: frisky shaky mood market



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: Hairraiser apoplectic nibblets

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: frisky shaky mood market



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: Shimmering supple sanctuary trump supporter



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: haunting bright office puppy

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: frisky shaky mood market



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: frisky shaky mood market



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: cruel-hearted juggernaut

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: frisky shaky mood market



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: frisky shaky mood market



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: disturbing peach institution windowlicker

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: walnut abode circlehead

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: frisky shaky mood market



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: disturbing peach institution windowlicker

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: frisky shaky mood market



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: Fragrant senate death wish

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: frisky shaky mood market



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



Reply Favorite

Date: February 13th, 2015 5:53 PM
Author: Violent lemon jewess chapel

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: translucent idiotic locus

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: frisky shaky mood market



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



Reply Favorite

Date: April 18th, 2016 7:18 AM
Author: frisky shaky mood market



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



Reply Favorite

Date: April 18th, 2016 7:47 AM
Author: vigorous toilet seat potus

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: Primrose partner nursing home

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: Plum contagious university

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: frisky shaky mood market



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



Reply Favorite

Date: April 18th, 2016 7:50 AM
Author: Hairraiser apoplectic nibblets

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: charismatic kitchen water buffalo

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: Vivacious Beta Base Sweet Tailpipe

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: laughsome field wagecucks

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: frisky shaky mood market



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



Reply Favorite

Date: April 18th, 2016 10:04 AM
Author: laughsome field wagecucks

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: mind-boggling sandwich round eye

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: Blue sadistic famous landscape painting

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: frisky shaky mood market



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



Reply Favorite

Date: April 18th, 2016 9:50 AM
Author: Blue sadistic famous landscape painting

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: frisky shaky mood market



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



Reply Favorite

Date: July 8th, 2017 11:01 AM
Author: Soul-stirring Personal Credit Line

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: Bateful garrison

*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: hyperactive cuck

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: carmine macaca

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: hyperactive cuck

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: impressive bespoke set hominid

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: laughsome field wagecucks

cr

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



Reply Favorite

Date: September 29th, 2016 10:24 AM
Author: Exhilarant school clown

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: frisky shaky mood market



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



Reply Favorite

Date: September 29th, 2016 1:21 PM
Author: magenta anal lay

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: Histrionic Theater Stage Generalized Bond

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: cruel-hearted juggernaut

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: Histrionic Theater Stage Generalized Bond



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



Reply Favorite

Date: February 20th, 2017 8:11 AM
Author: Irradiated locale cumskin

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: Irradiated locale cumskin



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



Reply Favorite

Date: July 8th, 2017 9:40 AM
Author: wonderful domesticated trailer park

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: Iridescent Sticky Rehab

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: galvanic old irish cottage house

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: Iridescent Sticky Rehab

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: galvanic old irish cottage house

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: Henna stain

(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: electric internet-worthy business firm police squad

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: Irradiated locale cumskin

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: galvanic old irish cottage house

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: sienna area filthpig

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: Provocative up-to-no-good piazza really tough guy

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: Exhilarant school clown



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



Reply Favorite

Date: July 8th, 2017 12:30 PM
Author: sienna area filthpig

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: Shimmering supple sanctuary trump supporter

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: sienna area filthpig

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: Shimmering supple sanctuary trump supporter

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: Exhilarant school clown

CR

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



Reply Favorite

Date: July 8th, 2017 12:32 PM
Author: Exhilarant school clown

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: sienna area filthpig

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: Exhilarant school clown

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: nudist fluffy degenerate pervert

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: learning disabled swashbuckling menage

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 alcoholic stag film roast beef

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: nudist fluffy degenerate pervert

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: Emerald Aphrodisiac Home

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: azure principal's office sex offender



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



Reply Favorite

Date: August 23rd, 2017 11:19 AM
Author: disrespectful national

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: frisky shaky mood market



(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)