\
  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...
dashing area
  02/07/14
(Dave Ramsey)
Exciting Trailer Park Hominid
  12/10/14
Germany bull
arousing stage persian
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
Self-centered appetizing twinkling uncleanness
  02/07/14
...
Kink-friendly salmon elastic band locale
  02/08/14
yep
fear-inspiring site dysfunction
  02/07/14
what is the apr on this
Ultramarine balding feces
  02/07/14
12% lol.
Bearded mind-boggling parlor people who are hurt
  02/07/14
fucking boomers
drab electric goal in life school
  02/07/14
...
may his bones be crushed
  04/13/26
...
dashing area
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
Aphrodisiac Insecure Black Woman Jewess
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
autistic crackhouse macaca
  02/07/14
180
Aphrodisiac Insecure Black Woman Jewess
  02/07/14
...
wine rehab
  02/08/14
...
khaki at-the-ready liquid oxygen
  02/13/15
...
Claret fortuitous meteor
  04/18/16
...
Aphrodisiac Insecure Black Woman Jewess
  02/20/17
...
Lilac geriatric son of senegal tattoo
  02/20/17
...
Claret fortuitous meteor
  07/08/17
...
dashing area
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
Aphrodisiac Insecure Black Woman Jewess
  02/07/14
...
dashing area
  02/07/14
(guy who recently watched The Secret)
Aphrodisiac Insecure Black Woman Jewess
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
Aphrodisiac Insecure Black Woman Jewess
  02/07/14
(Boomer in 2006 buying third investment property)
Aphrodisiac Insecure Black Woman Jewess
  02/07/14
this will not occur over the next 40 years
Bistre locus
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
Diverse incel location
  02/07/14
...
dashing area
  02/07/14
Compare the demographics, foreign competition, and regulator...
Bistre locus
  12/10/14
...
Bistre locus
  04/18/16
A true genius
Bistre locus
  09/29/16
...
Razzmatazz roast beef famous landscape painting
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
Bistre locus
  04/18/16
Just do assume 12% returns for 45 years
flesh windowlicker
  02/07/14
...
dashing area
  02/07/14
CR incredibly retarded
Bistre locus
  02/07/14
It doesn't change regardless of rate.
Diverse incel location
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
Bistre locus
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
Laughsome heaven keepsake machete
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
Soul-stirring Field
  02/07/14
...
dashing area
  02/07/14
this will not be the case for the next 50 years
Bistre locus
  02/07/14
(Suze Orman after a few too many glasses of wine)
henna spectacular stag film
  02/07/14
lol'd
Umber Kitty Cat Brethren
  04/18/16
haha
Glittery Marketing Idea
  09/29/16
...
Aphrodisiac Insecure Black Woman Jewess
  02/20/17
...
Diverse incel location
  02/20/17
...
Cheese-eating bat shit crazy telephone
  02/20/17
...
provocative chestnut public bath coffee pot
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
sickened burgundy pistol stage
  02/07/14
...
dashing area
  02/07/14
Not if returns were negative when/in the years immediately f...
sickened burgundy pistol stage
  02/07/14
...
dashing area
  02/07/14
? All the hypo supposes is that you start investing in yo...
sickened burgundy pistol stage
  02/07/14
...
dashing area
  02/07/14
YOUR personal rate of return is different from the market's ...
sickened burgundy pistol stage
  02/07/14
...
dashing area
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
sickened burgundy pistol stage
  02/07/14
...
dashing area
  02/07/14
you realize that to obtain the returns you stated above, one...
autistic crackhouse macaca
  02/07/14
...
dashing area
  02/07/14
jfc why does she write shit like this
sinister demanding forum faggotry
  07/09/17
This is true for everything ever.
Pale filthpig genital piercing
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
Bearded mind-boggling parlor people who are hurt
  02/07/14
U r 36? LOLOL
Self-centered appetizing twinkling uncleanness
  02/07/14
34 but I put more money than $2000 per year in there.
Bearded mind-boggling parlor people who are hurt
  02/07/14
Damen. How does it feel to be literally half done with life?
Self-centered appetizing twinkling uncleanness
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
Bearded mind-boggling parlor people who are hurt
  02/07/14
Goal retirement age??
Self-centered appetizing twinkling uncleanness
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
Bearded mind-boggling parlor people who are hurt
  02/07/14
Any family pressure to get married??
Self-centered appetizing twinkling uncleanness
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
Bearded mind-boggling parlor people who are hurt
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
internet-worthy tanning salon generalized bond
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
Adventurous Plum Nursing Home Fat Ankles
  02/07/14
...
dashing area
  02/07/14
Doctors are done here
Self-centered appetizing twinkling uncleanness
  02/07/14
...
violent beady-eyed volcanic crater psychic
  02/13/15
...
Odious Orchestra Pit
  02/20/17
...
stubborn disgusting associate
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
Bearded mind-boggling parlor people who are hurt
  02/07/14
What were u doing at 22?
Self-centered appetizing twinkling uncleanness
  02/07/14
crappy consulting firm do municipal bond analysis.
Bearded mind-boggling parlor people who are hurt
  02/07/14
you should've gone into finance, instead. you'd have a milli...
sickened burgundy pistol stage
  02/07/14
I was too lazy in college, but yeah would have been a good i...
Bearded mind-boggling parlor people who are hurt
  02/07/14
$38k was a decent starting salary in 1995...?
Harsh garrison bbw
  02/08/14
my gf doesn't even have a credit card. she's 24
hairraiser soggy hell antidepressant drug
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
Concupiscible startling shrine
  02/07/14
...
dashing area
  02/07/14
yes arthur is fucked, ben pwns him
Concupiscible startling shrine
  02/07/14
Twist: Arthur was swimming in student loan debt
Aphrodisiac Insecure Black Woman Jewess
  02/07/14
...
pungent fishy place of business multi-billionaire
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
stimulating meetinghouse
  02/07/14
...
gaped newt church building
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
aquamarine theater stage trust fund
  02/07/14
True, the idea that investing early is a good idea sure didn...
stimulating meetinghouse
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
Sepia box office turdskin
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
Sepia box office turdskin
  07/08/17
Right. The person who started investing earlier is still in ...
Clear Submissive Stead Love Of Her Life
  07/09/17
I think the more interesting hypo is a guy who starts invest...
frum wonderful background story hall
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
gaped newt church building
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
Violet trip gaping
  02/07/14
I still think it's more credited to maintain liquidity and i...
Aqua juggernaut national
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
Bearded mind-boggling parlor people who are hurt
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
stimulating meetinghouse
  02/07/14
(cgm)
Indigo Yapping Trump Supporter University
  02/07/14
What does this look like if you assume 6% returns?
Ungodly Mental Disorder
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
Cerise Adulterous Messiness Sanctuary
  02/08/14
...
dashing area
  02/17/14
not really. my parents had very little just 20 years ago...
Razzle primrose milk dilemma
  02/08/14
...
dashing area
  02/10/14
...
fragrant friendly grandma stock car
  07/08/17
So your telling me that if I make a lot of money ill do well...
exhilarant silver half-breed
  12/10/14
...
dashing area
  05/14/14
...
dashing area
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
Ebony Medicated Puppy Address
  12/10/14
...
dashing area
  12/10/14
...
dashing area
  02/13/15
this is retarded. for most of us, that would have meant soc...
transparent offensive theatre really tough guy
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
violent beady-eyed volcanic crater psychic
  02/13/15
...
dashing area
  02/13/15
we're in a bubble right now, so all of those figures are bul...
transparent offensive theatre really tough guy
  02/13/15
...
dashing area
  02/13/15
A year later after bitching in this thread, I have fucking $...
Bearded mind-boggling parlor people who are hurt
  02/13/15
...
dashing area
  02/13/15
What has your APR been?
sick coldplay fan
  02/13/15
how much money did you have in cash on the sidelines from th...
narrow-minded station athletic conference
  02/13/15
...
dashing area
  12/29/15
...
dashing area
  04/18/16
I remember a teacher showing us this kind of chart back arou...
lascivious gunner
  04/18/16
wise move
cocky disturbing masturbator boistinker
  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.
pearly reading party
  04/18/16
...
dashing area
  04/18/16
This is false and assumes one continues working a cookie-cut...
Razzle primrose milk dilemma
  04/18/16
just do >10% growth every year. worked for bernie madoff
Rough-skinned ruby weed whacker center
  04/18/16
This bort is retarded.
Diverse incel location
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
Cordovan Business Firm
  04/18/16
...
dashing area
  04/18/16
you pointed it out above several times, and each time you go...
Cordovan Business Firm
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
Nofapping theater wagecucks
  04/18/16
The real reason this chart is dumb is because of inflation. ...
Judgmental Den Hairy Legs
  04/18/16
...
dashing area
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
Judgmental Den Hairy Legs
  04/18/16
...
dashing area
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
Sooty party of the first part
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
blathering turquoise set pozpig
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
comical step-uncle's house nibblets
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
ruddy corn cake
  02/20/17
I agree generally that returns will be lower. But if you ask...
comical step-uncle's house nibblets
  02/20/17
saving for retirement is flame. just slide and let do
cowardly international law enforcement agency degenerate
  04/18/16
cr
Cordovan Business Firm
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
stubborn disgusting associate
  09/29/16
...
dashing area
  09/29/16
How do they get 10% retune every year
Citrine cuck stain
  09/29/16
noob investor question, but isn't this idea kind of self per...
Lime duck-like personal credit line abode
  09/29/16
Student loan interest exceeds most investment returns so tha...
Ebony Medicated Puppy Address
  09/29/16
...
Lime duck-like personal credit line abode
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
Vivacious poppy house ratface
  02/20/17
...
Vivacious poppy house ratface
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
Snowy Cerebral Native
  07/08/17
COMPOUND INT--*nuke melts face*
Boyish Amethyst Gas Station
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
Frisky carmine bawdyhouse
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
Boyish Amethyst Gas Station
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
Frisky carmine bawdyhouse
  07/08/17
(Not a rental property owner)
Bistre locus
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
Clear Submissive Stead Love Of Her Life
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
Vivacious poppy house ratface
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
Frisky carmine bawdyhouse
  07/08/17
now show me the table for $300K at 8% in student loans
nudist alpha
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
Sticky Thriller Piazza
  07/08/17
...
stubborn disgusting associate
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
nudist alpha
  07/08/17
data entry
fragrant friendly grandma stock car
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
nudist alpha
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
fragrant friendly grandma stock car
  07/08/17
CR
stubborn disgusting associate
  07/08/17
Admin assistant
stubborn disgusting associate
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
nudist alpha
  07/08/17
According to the chart all you need to invest is like 2k a y...
stubborn disgusting associate
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
Bearded indian lodge potus
  07/08/17
things barzini knew and did that you did not for $200, alex
pungent fishy place of business multi-billionaire
  07/09/17
I think a much more sure bet is Social Security taxes being ...
Scarlet galvanic kitty
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
Bearded indian lodge potus
  07/08/17
Investment compounding is the single biggest scam the inve...
Cerise Adulterous Messiness Sanctuary
  07/09/17
...
Greedy ceo
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
provocative chestnut public bath coffee pot
  08/23/17
...
dashing area
  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 ...
Richie Moon #youngrichiemoon
  04/13/26
...
richard clock
  04/13/26


Poast new message in this thread



Reply Favorite

Date: February 7th, 2014 3:20 PM
Author: dashing area

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: Exciting Trailer Park Hominid

(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: arousing stage persian
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: Self-centered appetizing twinkling uncleanness

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: Kink-friendly salmon elastic band locale



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: fear-inspiring site dysfunction

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: Ultramarine balding feces

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: Bearded mind-boggling parlor people who are hurt

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: drab electric goal in life school

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: dashing area



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Aphrodisiac Insecure Black Woman Jewess

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: autistic crackhouse macaca

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: Aphrodisiac Insecure Black Woman Jewess

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: wine rehab



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: khaki at-the-ready liquid oxygen



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: Claret fortuitous meteor



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: Aphrodisiac Insecure Black Woman Jewess



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: Lilac geriatric son of senegal tattoo



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: Claret fortuitous meteor



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: dashing area



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Aphrodisiac Insecure Black Woman Jewess

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: dashing area



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Aphrodisiac Insecure Black Woman Jewess

(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: Aphrodisiac Insecure Black Woman Jewess

(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: Aphrodisiac Insecure Black Woman Jewess

(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: Bistre locus

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: Diverse incel location

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: dashing area



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: Bistre locus

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: Bistre locus



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: Bistre locus

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: Razzmatazz roast beef famous landscape painting



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: Bistre locus

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 windowlicker

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: dashing area



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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: Bistre locus

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: Diverse incel location

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: Bistre locus

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: Laughsome heaven keepsake machete

(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: Soul-stirring Field

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: dashing area



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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: Bistre locus

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: henna spectacular stag film

(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: Umber Kitty Cat Brethren

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: Glittery Marketing Idea

haha

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



Reply Favorite

Date: February 20th, 2017 1:49 AM
Author: Aphrodisiac Insecure Black Woman Jewess



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



Reply Favorite

Date: February 20th, 2017 8:38 AM
Author: Diverse incel location



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: Cheese-eating bat shit crazy telephone



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: provocative chestnut public bath coffee pot



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: sickened burgundy pistol stage

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: dashing area



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: sickened burgundy pistol stage

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: dashing area



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: sickened burgundy pistol stage

?

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: dashing area



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: sickened burgundy pistol stage

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: dashing area



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



Reply Favorite

Date: February 7th, 2014 4:13 PM
Author: sickened burgundy pistol stage

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: dashing area



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



Reply Favorite

Date: February 7th, 2014 4:35 PM
Author: autistic crackhouse macaca

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: dashing area



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



Reply Favorite

Date: July 9th, 2017 11:26 AM
Author: sinister demanding forum faggotry

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: Pale filthpig genital piercing

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: Bearded mind-boggling parlor people who are hurt

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: Self-centered appetizing twinkling uncleanness

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: Bearded mind-boggling parlor people who are hurt

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: Self-centered appetizing twinkling uncleanness

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: Bearded mind-boggling parlor people who are hurt

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: Self-centered appetizing twinkling uncleanness

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: Bearded mind-boggling parlor people who are hurt

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: Self-centered appetizing twinkling uncleanness

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: Bearded mind-boggling parlor people who are hurt

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: internet-worthy tanning salon generalized bond

(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: Adventurous Plum Nursing Home Fat Ankles

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: dashing area



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Self-centered appetizing twinkling uncleanness

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: violent beady-eyed volcanic crater psychic



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: Odious Orchestra Pit



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: stubborn disgusting associate



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: Bearded mind-boggling parlor people who are hurt

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: Self-centered appetizing twinkling uncleanness

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: Bearded mind-boggling parlor people who are hurt

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: sickened burgundy pistol stage

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: Bearded mind-boggling parlor people who are hurt

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: Harsh garrison bbw

$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: hairraiser soggy hell antidepressant drug

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: Concupiscible startling shrine

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: dashing area



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: Concupiscible startling shrine

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: Aphrodisiac Insecure Black Woman Jewess

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: pungent fishy place of business multi-billionaire



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



Reply Favorite

Date: February 7th, 2014 4:01 PM
Author: stimulating meetinghouse

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: gaped newt church building



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



Reply Favorite

Date: February 7th, 2014 4:08 PM
Author: aquamarine theater stage trust fund

*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: stimulating meetinghouse

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: Sepia box office turdskin

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: Sepia box office turdskin

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: Clear Submissive Stead Love Of Her Life

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: frum wonderful background story hall

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: gaped newt church building

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: Violet trip gaping

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: Aqua juggernaut national

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: Bearded mind-boggling parlor people who are hurt

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: stimulating meetinghouse

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: Indigo Yapping Trump Supporter University

(cgm)

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



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: Ungodly Mental Disorder

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: Cerise Adulterous Messiness Sanctuary

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: dashing area



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: Razzle primrose milk dilemma

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: dashing area



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: fragrant friendly grandma stock car



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: exhilarant silver half-breed

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: dashing area



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: dashing area



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: Ebony Medicated Puppy Address

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: dashing area



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: dashing area



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: transparent offensive theatre really tough guy

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: violent beady-eyed volcanic crater psychic

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: dashing area



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: transparent offensive theatre really tough guy

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: dashing area



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: Bearded mind-boggling parlor people who are hurt

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: dashing area



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



Reply Favorite

Date: February 13th, 2015 5:53 PM
Author: sick coldplay fan

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: narrow-minded station athletic conference

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: dashing area



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



Reply Favorite

Date: April 18th, 2016 7:18 AM
Author: dashing area



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



Reply Favorite

Date: April 18th, 2016 7:47 AM
Author: lascivious gunner

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: cocky disturbing masturbator boistinker

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: pearly reading party

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: dashing area



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



Reply Favorite

Date: April 18th, 2016 7:50 AM
Author: Razzle primrose milk dilemma

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: Rough-skinned ruby weed whacker center

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: Diverse incel location

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: Cordovan Business Firm

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: dashing area



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



Reply Favorite

Date: April 18th, 2016 10:04 AM
Author: Cordovan Business Firm

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: Nofapping theater wagecucks

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: Judgmental Den Hairy Legs

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: dashing area



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



Reply Favorite

Date: April 18th, 2016 9:50 AM
Author: Judgmental Den Hairy Legs

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: dashing area



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



Reply Favorite

Date: July 8th, 2017 11:01 AM
Author: Sooty party of the first part

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: blathering turquoise set pozpig

*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: comical step-uncle's house nibblets

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: ruddy corn cake

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: comical step-uncle's house nibblets

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: cowardly international law enforcement agency degenerate

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: Cordovan Business Firm

cr

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



Reply Favorite

Date: September 29th, 2016 10:24 AM
Author: stubborn disgusting associate

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: dashing area



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



Reply Favorite

Date: September 29th, 2016 1:21 PM
Author: Citrine cuck stain

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: Lime duck-like personal credit line abode

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: Ebony Medicated Puppy Address

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: Lime duck-like personal credit line abode



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



Reply Favorite

Date: February 20th, 2017 8:11 AM
Author: Vivacious poppy house ratface

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: Vivacious poppy house ratface



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



Reply Favorite

Date: July 8th, 2017 9:40 AM
Author: Snowy Cerebral Native

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: Boyish Amethyst Gas Station

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: Frisky carmine bawdyhouse

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: Boyish Amethyst Gas Station

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: Frisky carmine bawdyhouse

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: Bistre locus

(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: Clear Submissive Stead Love Of Her Life

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: Vivacious poppy house ratface

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: Frisky carmine bawdyhouse

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: nudist alpha

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: Sticky Thriller Piazza

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: stubborn disgusting associate



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



Reply Favorite

Date: July 8th, 2017 12:30 PM
Author: nudist alpha

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: fragrant friendly grandma stock car

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: nudist alpha

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: fragrant friendly grandma stock car

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: stubborn disgusting associate

CR

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



Reply Favorite

Date: July 8th, 2017 12:32 PM
Author: stubborn disgusting associate

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: nudist alpha

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: stubborn disgusting associate

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: Bearded indian lodge potus

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: pungent fishy place of business multi-billionaire

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: Scarlet galvanic kitty

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: Bearded indian lodge potus

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: Cerise Adulterous Messiness Sanctuary

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: Greedy ceo



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



Reply Favorite

Date: August 23rd, 2017 11:19 AM
Author: provocative chestnut public bath coffee pot

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: dashing area



(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: Richie Moon #youngrichiemoon

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)