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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...
Ebony new version water buffalo
  02/07/14
(Dave Ramsey)
fear-inspiring citrine market
  12/10/14
Germany bull
Bright heady theater
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
insecure orange alpha
  02/07/14
...
Metal library crotch
  02/08/14
yep
floppy clear stage
  02/07/14
what is the apr on this
henna casino
  02/07/14
12% lol.
swollen cerebral locale stain
  02/07/14
fucking boomers
nubile flatulent center milk
  02/07/14
...
may his bones be crushed
  04/13/26
...
Ebony new version water buffalo
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
arrogant ticket booth codepig
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
Black set turdskin
  02/07/14
180
arrogant ticket booth codepig
  02/07/14
...
flesh vivacious wagecucks
  02/08/14
...
Massive area
  02/13/15
...
sable pontificating chapel
  04/18/16
...
arrogant ticket booth codepig
  02/20/17
...
Vigorous Half-breed
  02/20/17
...
sable pontificating chapel
  07/08/17
...
Ebony new version water buffalo
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
arrogant ticket booth codepig
  02/07/14
...
Ebony new version water buffalo
  02/07/14
(guy who recently watched The Secret)
arrogant ticket booth codepig
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
arrogant ticket booth codepig
  02/07/14
(Boomer in 2006 buying third investment property)
arrogant ticket booth codepig
  02/07/14
this will not occur over the next 40 years
Fighting Forum
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
Trip buck-toothed ladyboy
  02/07/14
...
Ebony new version water buffalo
  02/07/14
Compare the demographics, foreign competition, and regulator...
Fighting Forum
  12/10/14
...
Fighting Forum
  04/18/16
A true genius
Fighting Forum
  09/29/16
...
provocative stead
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
Fighting Forum
  04/18/16
Just do assume 12% returns for 45 years
frisky emerald heaven
  02/07/14
...
Ebony new version water buffalo
  02/07/14
CR incredibly retarded
Fighting Forum
  02/07/14
It doesn't change regardless of rate.
Trip buck-toothed ladyboy
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
Fighting Forum
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
bossy ratface
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
Buff hall prole
  02/07/14
...
Ebony new version water buffalo
  02/07/14
this will not be the case for the next 50 years
Fighting Forum
  02/07/14
(Suze Orman after a few too many glasses of wine)
adulterous turquoise karate wrinkle
  02/07/14
lol'd
costumed faggotry
  04/18/16
haha
blue pungent tattoo factory reset button
  09/29/16
...
arrogant ticket booth codepig
  02/20/17
...
Trip buck-toothed ladyboy
  02/20/17
...
Disgusting Institution
  02/20/17
...
useless philosopher-king
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
milky fantasy-prone nursing home keepsake machete
  02/07/14
...
Ebony new version water buffalo
  02/07/14
Not if returns were negative when/in the years immediately f...
milky fantasy-prone nursing home keepsake machete
  02/07/14
...
Ebony new version water buffalo
  02/07/14
? All the hypo supposes is that you start investing in yo...
milky fantasy-prone nursing home keepsake machete
  02/07/14
...
Ebony new version water buffalo
  02/07/14
YOUR personal rate of return is different from the market's ...
milky fantasy-prone nursing home keepsake machete
  02/07/14
...
Ebony new version water buffalo
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
milky fantasy-prone nursing home keepsake machete
  02/07/14
...
Ebony new version water buffalo
  02/07/14
you realize that to obtain the returns you stated above, one...
Black set turdskin
  02/07/14
...
Ebony new version water buffalo
  02/07/14
jfc why does she write shit like this
Garnet stock car
  07/09/17
This is true for everything ever.
soul-stirring indirect expression piazza
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
swollen cerebral locale stain
  02/07/14
U r 36? LOLOL
insecure orange alpha
  02/07/14
34 but I put more money than $2000 per year in there.
swollen cerebral locale stain
  02/07/14
Damen. How does it feel to be literally half done with life?
insecure orange alpha
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
swollen cerebral locale stain
  02/07/14
Goal retirement age??
insecure orange alpha
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
swollen cerebral locale stain
  02/07/14
Any family pressure to get married??
insecure orange alpha
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
swollen cerebral locale stain
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
Crimson temple puppy
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
Mildly autistic goyim dilemma
  02/07/14
...
Ebony new version water buffalo
  02/07/14
Doctors are done here
insecure orange alpha
  02/07/14
...
Nudist avocado senate sandwich
  02/13/15
...
azure sinister office son of senegal
  02/20/17
...
Navy brunch pozpig
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
swollen cerebral locale stain
  02/07/14
What were u doing at 22?
insecure orange alpha
  02/07/14
crappy consulting firm do municipal bond analysis.
swollen cerebral locale stain
  02/07/14
you should've gone into finance, instead. you'd have a milli...
milky fantasy-prone nursing home keepsake machete
  02/07/14
I was too lazy in college, but yeah would have been a good i...
swollen cerebral locale stain
  02/07/14
$38k was a decent starting salary in 1995...?
Vibrant parlour really tough guy
  02/08/14
my gf doesn't even have a credit card. she's 24
glassy ape
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
olive theater stage
  02/07/14
...
Ebony new version water buffalo
  02/07/14
yes arthur is fucked, ben pwns him
olive theater stage
  02/07/14
Twist: Arthur was swimming in student loan debt
arrogant ticket booth codepig
  02/07/14
...
green angry base selfie
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
mustard garrison
  02/07/14
...
purple zombie-like potus meetinghouse
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
domesticated theatre gaming laptop
  02/07/14
True, the idea that investing early is a good idea sure didn...
mustard garrison
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
Crystalline place of business
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
Crystalline place of business
  07/08/17
Right. The person who started investing earlier is still in ...
splenetic hyperactive fat ankles
  07/09/17
I think the more interesting hypo is a guy who starts invest...
Lilac Toilet Seat Public Bath
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
purple zombie-like potus meetinghouse
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
Balding chest-beating therapy shrine
  02/07/14
I still think it's more credited to maintain liquidity and i...
magenta cheese-eating plaza
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
swollen cerebral locale stain
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
mustard garrison
  02/07/14
(cgm)
anal comical roast beef skinny woman
  02/07/14
What does this look like if you assume 6% returns?
Tan sanctuary psychic
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
crawly box office electric furnace
  02/08/14
...
Ebony new version water buffalo
  02/17/14
not really. my parents had very little just 20 years ago...
hilarious pearl lettuce
  02/08/14
...
Ebony new version water buffalo
  02/10/14
...
low-t fiercely-loyal regret
  07/08/17
So your telling me that if I make a lot of money ill do well...
Dark rigor
  12/10/14
...
Ebony new version water buffalo
  05/14/14
...
Ebony new version water buffalo
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
primrose impressive church
  12/10/14
...
Ebony new version water buffalo
  12/10/14
...
Ebony new version water buffalo
  02/13/15
this is retarded. for most of us, that would have meant soc...
Slap-happy sooty parlor
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
Nudist avocado senate sandwich
  02/13/15
...
Ebony new version water buffalo
  02/13/15
we're in a bubble right now, so all of those figures are bul...
Slap-happy sooty parlor
  02/13/15
...
Ebony new version water buffalo
  02/13/15
A year later after bitching in this thread, I have fucking $...
swollen cerebral locale stain
  02/13/15
...
Ebony new version water buffalo
  02/13/15
What has your APR been?
vermilion self-centered athletic conference
  02/13/15
how much money did you have in cash on the sidelines from th...
harsh dragon lodge
  02/13/15
...
Ebony new version water buffalo
  12/29/15
...
Ebony new version water buffalo
  04/18/16
I remember a teacher showing us this kind of chart back arou...
awkward shivering gaping pocket flask
  04/18/16
wise move
Flushed Trailer Park Coldplay Fan
  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.
medicated insanely creepy den internal respiration
  04/18/16
...
Ebony new version water buffalo
  04/18/16
This is false and assumes one continues working a cookie-cut...
hilarious pearl lettuce
  04/18/16
just do >10% growth every year. worked for bernie madoff
Very Tactful Indigo Pit
  04/18/16
This bort is retarded.
Trip buck-toothed ladyboy
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
frum cobalt dysfunction feces
  04/18/16
...
Ebony new version water buffalo
  04/18/16
you pointed it out above several times, and each time you go...
frum cobalt dysfunction feces
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
charismatic insane party of the first part
  04/18/16
The real reason this chart is dumb is because of inflation. ...
Underhanded burgundy candlestick maker
  04/18/16
...
Ebony new version water buffalo
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
Underhanded burgundy candlestick maker
  04/18/16
...
Ebony new version water buffalo
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
hairraiser spot
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
poppy hissy fit boiling water
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
brilliant queen of the night
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
Irradiated drunken business firm
  02/20/17
I agree generally that returns will be lower. But if you ask...
brilliant queen of the night
  02/20/17
saving for retirement is flame. just slide and let do
Wine national
  04/18/16
cr
frum cobalt dysfunction feces
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
Navy brunch pozpig
  09/29/16
...
Ebony new version water buffalo
  09/29/16
How do they get 10% retune every year
Beady-eyed violent blood rage
  09/29/16
noob investor question, but isn't this idea kind of self per...
180 talking cuck
  09/29/16
Student loan interest exceeds most investment returns so tha...
primrose impressive church
  09/29/16
...
180 talking cuck
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
Bisexual Dead Principal's Office Pistol
  02/20/17
...
Bisexual Dead Principal's Office Pistol
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
supple people who are hurt
  07/08/17
COMPOUND INT--*nuke melts face*
geriatric curious rehab famous landscape painting
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
Concupiscible effete corn cake
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
geriatric curious rehab famous landscape painting
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
Concupiscible effete corn cake
  07/08/17
(Not a rental property owner)
Fighting Forum
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
splenetic hyperactive fat ankles
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
Bisexual Dead Principal's Office Pistol
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
Concupiscible effete corn cake
  07/08/17
now show me the table for $300K at 8% in student loans
aromatic red orchestra pit
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
onyx point chad
  07/08/17
...
Navy brunch pozpig
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
aromatic red orchestra pit
  07/08/17
data entry
low-t fiercely-loyal regret
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
aromatic red orchestra pit
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
low-t fiercely-loyal regret
  07/08/17
CR
Navy brunch pozpig
  07/08/17
Admin assistant
Navy brunch pozpig
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
aromatic red orchestra pit
  07/08/17
According to the chart all you need to invest is like 2k a y...
Navy brunch pozpig
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
Aphrodisiac cumskin
  07/08/17
things barzini knew and did that you did not for $200, alex
green angry base selfie
  07/09/17
I think a much more sure bet is Social Security taxes being ...
aqua razzle giraffe incel
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
Aphrodisiac cumskin
  07/08/17
Investment compounding is the single biggest scam the inve...
crawly box office electric furnace
  07/09/17
...
Submissive impertinent range nibblets
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
useless philosopher-king
  08/23/17
...
Ebony new version water buffalo
  09/15/23
how’d we all do?
"'''''"'''"""''''"
  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: Ebony new version water buffalo

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: fear-inspiring citrine market

(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: Bright heady theater
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: insecure orange alpha

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: Metal library crotch



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: floppy clear stage

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: henna casino

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: swollen cerebral locale stain

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: nubile flatulent center milk

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: Ebony new version water buffalo



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: arrogant ticket booth codepig

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: Black set turdskin

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: arrogant ticket booth codepig

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: flesh vivacious wagecucks



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: Massive area



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: sable pontificating chapel



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: arrogant ticket booth codepig



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: Vigorous Half-breed



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: sable pontificating chapel



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: Ebony new version water buffalo



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: arrogant ticket booth codepig

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: Ebony new version water buffalo



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: arrogant ticket booth codepig

(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: arrogant ticket booth codepig

(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: arrogant ticket booth codepig

(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: Fighting Forum

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: Trip buck-toothed ladyboy

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: Ebony new version water buffalo



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: Fighting Forum

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: Fighting Forum



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: Fighting Forum

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: provocative stead



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: Fighting Forum

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: frisky emerald heaven

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: Ebony new version water buffalo



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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: Fighting Forum

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: Trip buck-toothed ladyboy

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: Fighting Forum

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: bossy ratface

(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: Buff hall prole

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: Ebony new version water buffalo



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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: Fighting Forum

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: adulterous turquoise karate wrinkle

(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: costumed faggotry

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: blue pungent tattoo factory reset button

haha

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



Reply Favorite

Date: February 20th, 2017 1:49 AM
Author: arrogant ticket booth codepig



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



Reply Favorite

Date: February 20th, 2017 8:38 AM
Author: Trip buck-toothed ladyboy



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: Disgusting Institution



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: useless philosopher-king



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: milky fantasy-prone nursing home keepsake machete

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: Ebony new version water buffalo



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: milky fantasy-prone nursing home keepsake machete

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: Ebony new version water buffalo



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: milky fantasy-prone nursing home keepsake machete

?

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: Ebony new version water buffalo



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: milky fantasy-prone nursing home keepsake machete

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: Ebony new version water buffalo



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



Reply Favorite

Date: February 7th, 2014 4:13 PM
Author: milky fantasy-prone nursing home keepsake machete

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: Ebony new version water buffalo



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



Reply Favorite

Date: February 7th, 2014 4:35 PM
Author: Black set turdskin

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: Ebony new version water buffalo



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



Reply Favorite

Date: July 9th, 2017 11:26 AM
Author: Garnet stock car

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: soul-stirring indirect expression piazza

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: swollen cerebral locale stain

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: insecure orange alpha

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: swollen cerebral locale stain

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: insecure orange alpha

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: swollen cerebral locale stain

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: insecure orange alpha

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: swollen cerebral locale stain

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: insecure orange alpha

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: swollen cerebral locale stain

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: Crimson temple puppy

(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: Mildly autistic goyim dilemma

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: Ebony new version water buffalo



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: insecure orange alpha

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: Nudist avocado senate sandwich



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: azure sinister office son of senegal



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: Navy brunch pozpig



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: swollen cerebral locale stain

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: insecure orange alpha

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: swollen cerebral locale stain

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: milky fantasy-prone nursing home keepsake machete

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: swollen cerebral locale stain

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: Vibrant parlour really tough guy

$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: glassy ape

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: olive theater stage

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: Ebony new version water buffalo



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: olive theater stage

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: arrogant ticket booth codepig

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: green angry base selfie



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



Reply Favorite

Date: February 7th, 2014 4:01 PM
Author: mustard garrison

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: purple zombie-like potus meetinghouse



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



Reply Favorite

Date: February 7th, 2014 4:08 PM
Author: domesticated theatre gaming laptop

*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: mustard garrison

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: Crystalline place of business

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: Crystalline place of business

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: splenetic hyperactive fat ankles

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: Lilac Toilet Seat Public Bath

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: purple zombie-like potus meetinghouse

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: Balding chest-beating therapy shrine

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: magenta cheese-eating plaza

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: swollen cerebral locale stain

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: mustard garrison

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: anal comical roast beef skinny woman

(cgm)

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



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: Tan sanctuary psychic

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: crawly box office electric furnace

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: Ebony new version water buffalo



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: hilarious pearl lettuce

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: Ebony new version water buffalo



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: low-t fiercely-loyal regret



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: Dark rigor

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: Ebony new version water buffalo



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: Ebony new version water buffalo



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: primrose impressive church

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: Ebony new version water buffalo



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: Ebony new version water buffalo



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: Slap-happy sooty parlor

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: Nudist avocado senate sandwich

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: Ebony new version water buffalo



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: Slap-happy sooty parlor

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: Ebony new version water buffalo



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: swollen cerebral locale stain

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: Ebony new version water buffalo



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



Reply Favorite

Date: February 13th, 2015 5:53 PM
Author: vermilion self-centered athletic conference

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: harsh dragon lodge

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: Ebony new version water buffalo



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



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Date: April 18th, 2016 7:18 AM
Author: Ebony new version water buffalo



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



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Date: April 18th, 2016 7:47 AM
Author: awkward shivering gaping pocket flask

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

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



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Date: April 18th, 2016 8:17 AM
Author: Flushed Trailer Park Coldplay Fan

wise move

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



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

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

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



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Date: April 18th, 2016 7:49 AM
Author: medicated insanely creepy den internal respiration

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

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



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Date: April 18th, 2016 9:40 AM
Author: Ebony new version water buffalo



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



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Date: April 18th, 2016 7:50 AM
Author: hilarious pearl lettuce

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

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



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Date: April 18th, 2016 8:51 AM
Author: Very Tactful Indigo Pit

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

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



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Date: April 18th, 2016 8:57 AM
Author: Trip buck-toothed ladyboy

This bort is retarded.

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



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Date: April 18th, 2016 9:04 AM
Author: frum cobalt dysfunction feces

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

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

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



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Date: April 18th, 2016 9:41 AM
Author: Ebony new version water buffalo



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



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Date: April 18th, 2016 10:04 AM
Author: frum cobalt dysfunction feces

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

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



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Date: April 18th, 2016 9:20 AM
Author: charismatic insane party of the first part

http://imgur.com/gnMx2MX

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

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



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Date: April 18th, 2016 9:20 AM
Author: Underhanded burgundy candlestick maker

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

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



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Date: April 18th, 2016 9:45 AM
Author: Ebony new version water buffalo



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



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Date: April 18th, 2016 9:50 AM
Author: Underhanded burgundy candlestick maker

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

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



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Date: April 18th, 2016 10:02 AM
Author: Ebony new version water buffalo



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



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Date: July 8th, 2017 11:01 AM
Author: hairraiser spot

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

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



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Date: September 15th, 2023 11:41 AM
Author: poppy hissy fit boiling water

*assumes 3% inflation*

*fade in cannibal holocaust theme*

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



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Date: April 18th, 2016 9:24 AM
Author: brilliant queen of the night

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

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



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Date: February 20th, 2017 3:10 AM
Author: Irradiated drunken business firm

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

401K = SCAMs

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



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Date: February 20th, 2017 7:57 AM
Author: brilliant queen of the night

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

Don't be a boomer, save your money.

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



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Date: April 18th, 2016 9:57 AM
Author: Wine national

saving for retirement is flame. just slide and let do

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



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Date: April 18th, 2016 10:04 AM
Author: frum cobalt dysfunction feces

cr

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



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Date: September 29th, 2016 10:24 AM
Author: Navy brunch pozpig

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

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



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Date: September 29th, 2016 10:03 AM
Author: Ebony new version water buffalo



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



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Date: September 29th, 2016 1:21 PM
Author: Beady-eyed violent blood rage

How do they get 10% retune every year

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



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Date: September 29th, 2016 2:04 PM
Author: 180 talking cuck

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

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

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



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Date: September 29th, 2016 2:12 PM
Author: primrose impressive church

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

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



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Date: September 29th, 2016 4:48 PM
Author: 180 talking cuck



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



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Date: February 20th, 2017 8:11 AM
Author: Bisexual Dead Principal's Office Pistol

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

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



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Date: July 8th, 2017 9:32 AM
Author: Bisexual Dead Principal's Office Pistol



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



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Date: July 8th, 2017 9:40 AM
Author: supple people who are hurt

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

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



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Date: July 8th, 2017 9:46 AM
Author: geriatric curious rehab famous landscape painting

COMPOUND INT--*nuke melts face*

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



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Date: July 8th, 2017 9:50 AM
Author: Concupiscible effete corn cake

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

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



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Date: July 8th, 2017 9:52 AM
Author: geriatric curious rehab famous landscape painting

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

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



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Date: July 8th, 2017 9:54 AM
Author: Concupiscible effete corn cake

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

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



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Date: July 8th, 2017 10:16 AM
Author: Fighting Forum

(Not a rental property owner)

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



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Date: July 9th, 2017 11:14 AM
Author: splenetic hyperactive fat ankles

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

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

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



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Date: July 8th, 2017 10:05 AM
Author: Bisexual Dead Principal's Office Pistol

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

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



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Date: July 8th, 2017 10:06 AM
Author: Concupiscible effete corn cake

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

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



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Date: July 8th, 2017 12:06 PM
Author: aromatic red orchestra pit

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

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



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Date: July 8th, 2017 12:13 PM
Author: onyx point chad

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

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



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Date: July 8th, 2017 12:28 PM
Author: Navy brunch pozpig



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



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Date: July 8th, 2017 12:30 PM
Author: aromatic red orchestra pit

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

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



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Date: July 8th, 2017 12:32 PM
Author: low-t fiercely-loyal regret

data entry

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



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Date: July 8th, 2017 12:46 PM
Author: aromatic red orchestra pit

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

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



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Date: July 8th, 2017 1:03 PM
Author: low-t fiercely-loyal regret

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

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



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Date: July 8th, 2017 1:04 PM
Author: Navy brunch pozpig

CR

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



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Date: July 8th, 2017 12:32 PM
Author: Navy brunch pozpig

Admin assistant

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



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Date: July 8th, 2017 12:45 PM
Author: aromatic red orchestra pit

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

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



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Date: July 8th, 2017 12:57 PM
Author: Navy brunch pozpig

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

go be a front desk person/work as receptionist

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



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Date: July 8th, 2017 1:26 PM
Author: Aphrodisiac cumskin

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

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



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Date: July 9th, 2017 11:10 AM
Author: green angry base selfie

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

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



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Date: July 8th, 2017 12:45 PM
Author: aqua razzle giraffe incel

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

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



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Date: July 8th, 2017 1:27 PM
Author: Aphrodisiac cumskin

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

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



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Date: July 9th, 2017 11:21 AM
Author: crawly box office electric furnace

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

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

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



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



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Date: August 22nd, 2017 7:26 PM
Author: Submissive impertinent range nibblets



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



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Date: August 23rd, 2017 11:19 AM
Author: useless philosopher-king

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

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



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Date: September 15th, 2023 11:28 AM
Author: Ebony new version water buffalo



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



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Date: April 13th, 2026 1:45 PM
Author: "'''''"'''"""''''"

how’d we all do?

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



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

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

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



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



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