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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...
Stimulating Stain Pervert
  02/07/14
(Dave Ramsey)
blathering gaming laptop
  12/10/14
Germany bull
Light racy hospital
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
stirring school cafeteria
  02/07/14
...
Plum nudist dragon
  02/08/14
yep
transparent dopamine
  02/07/14
what is the apr on this
self-absorbed soul-stirring principal's office alpha
  02/07/14
12% lol.
Massive Quadroon Resort
  02/07/14
fucking boomers
peach hairraiser ticket booth
  02/07/14
...
may his bones be crushed
  04/13/26
...
Stimulating Stain Pervert
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
Opaque Faggot Firefighter Black Woman
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
Bonkers kitty cat temple
  02/07/14
180
Opaque Faggot Firefighter Black Woman
  02/07/14
...
Chest-beating candlestick maker half-breed
  02/08/14
...
adulterous forum
  02/13/15
...
Harsh fear-inspiring stage
  04/18/16
...
Opaque Faggot Firefighter Black Woman
  02/20/17
...
Drab casino
  02/20/17
...
Harsh fear-inspiring stage
  07/08/17
...
Stimulating Stain Pervert
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
Opaque Faggot Firefighter Black Woman
  02/07/14
...
Stimulating Stain Pervert
  02/07/14
(guy who recently watched The Secret)
Opaque Faggot Firefighter Black Woman
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
Opaque Faggot Firefighter Black Woman
  02/07/14
(Boomer in 2006 buying third investment property)
Opaque Faggot Firefighter Black Woman
  02/07/14
this will not occur over the next 40 years
Zippy rehab
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
ocher spectacular hissy fit halford
  02/07/14
...
Stimulating Stain Pervert
  02/07/14
Compare the demographics, foreign competition, and regulator...
Zippy rehab
  12/10/14
...
Zippy rehab
  04/18/16
A true genius
Zippy rehab
  09/29/16
...
lake den background story
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
Zippy rehab
  04/18/16
Just do assume 12% returns for 45 years
milky cumskin spot
  02/07/14
...
Stimulating Stain Pervert
  02/07/14
CR incredibly retarded
Zippy rehab
  02/07/14
It doesn't change regardless of rate.
ocher spectacular hissy fit halford
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
Zippy rehab
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
avocado native electric furnace
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
exhilarant shrine wagecucks
  02/07/14
...
Stimulating Stain Pervert
  02/07/14
this will not be the case for the next 50 years
Zippy rehab
  02/07/14
(Suze Orman after a few too many glasses of wine)
cracking magenta lodge pisswyrm
  02/07/14
lol'd
Nofapping marvelous son of senegal
  04/18/16
haha
Arousing marketing idea faggotry
  09/29/16
...
Opaque Faggot Firefighter Black Woman
  02/20/17
...
ocher spectacular hissy fit halford
  02/20/17
...
Idiotic Tantric Brunch Sneaky Criminal
  02/20/17
...
Well-lubricated obsidian area toilet seat
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
Titillating roommate crackhouse
  02/07/14
...
Stimulating Stain Pervert
  02/07/14
Not if returns were negative when/in the years immediately f...
Titillating roommate crackhouse
  02/07/14
...
Stimulating Stain Pervert
  02/07/14
? All the hypo supposes is that you start investing in yo...
Titillating roommate crackhouse
  02/07/14
...
Stimulating Stain Pervert
  02/07/14
YOUR personal rate of return is different from the market's ...
Titillating roommate crackhouse
  02/07/14
...
Stimulating Stain Pervert
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
Titillating roommate crackhouse
  02/07/14
...
Stimulating Stain Pervert
  02/07/14
you realize that to obtain the returns you stated above, one...
Bonkers kitty cat temple
  02/07/14
...
Stimulating Stain Pervert
  02/07/14
jfc why does she write shit like this
Appetizing set gunner
  07/09/17
This is true for everything ever.
Effete messiness
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
Massive Quadroon Resort
  02/07/14
U r 36? LOLOL
stirring school cafeteria
  02/07/14
34 but I put more money than $2000 per year in there.
Massive Quadroon Resort
  02/07/14
Damen. How does it feel to be literally half done with life?
stirring school cafeteria
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
Massive Quadroon Resort
  02/07/14
Goal retirement age??
stirring school cafeteria
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
Massive Quadroon Resort
  02/07/14
Any family pressure to get married??
stirring school cafeteria
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
Massive Quadroon Resort
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
slap-happy cuck dog poop
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
dark sweet tailpipe public bath
  02/07/14
...
Stimulating Stain Pervert
  02/07/14
Doctors are done here
stirring school cafeteria
  02/07/14
...
flickering incel
  02/13/15
...
Lilac Floppy Queen Of The Night
  02/20/17
...
Glittery volcanic crater
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
Massive Quadroon Resort
  02/07/14
What were u doing at 22?
stirring school cafeteria
  02/07/14
crappy consulting firm do municipal bond analysis.
Massive Quadroon Resort
  02/07/14
you should've gone into finance, instead. you'd have a milli...
Titillating roommate crackhouse
  02/07/14
I was too lazy in college, but yeah would have been a good i...
Massive Quadroon Resort
  02/07/14
$38k was a decent starting salary in 1995...?
Histrionic orchestra pit
  02/08/14
my gf doesn't even have a credit card. she's 24
Maroon private investor institution
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
Mentally impaired fragrant digit ratio associate
  02/07/14
...
Stimulating Stain Pervert
  02/07/14
yes arthur is fucked, ben pwns him
Mentally impaired fragrant digit ratio associate
  02/07/14
Twist: Arthur was swimming in student loan debt
Opaque Faggot Firefighter Black Woman
  02/07/14
...
crystalline chad theatre
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
jet comical cruise ship
  02/07/14
...
Electric Coral Twinkling Uncleanness Plaza
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
wonderful indigo wrinkle space
  02/07/14
True, the idea that investing early is a good idea sure didn...
jet comical cruise ship
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
Sooty odious library
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
Sooty odious library
  07/08/17
Right. The person who started investing earlier is still in ...
bat shit crazy international law enforcement agency
  07/09/17
I think the more interesting hypo is a guy who starts invest...
primrose hilarious ceo locus
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
Electric Coral Twinkling Uncleanness Plaza
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
wine lay nowag
  02/07/14
I still think it's more credited to maintain liquidity and i...
drunken trip indian lodge
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
Massive Quadroon Resort
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
jet comical cruise ship
  02/07/14
(cgm)
azure aromatic nibblets stag film
  02/07/14
What does this look like if you assume 6% returns?
Heady bright circlehead church building
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
adventurous yellow kitchen
  02/08/14
...
Stimulating Stain Pervert
  02/17/14
not really. my parents had very little just 20 years ago...
Crawly organic girlfriend stead
  02/08/14
...
Stimulating Stain Pervert
  02/10/14
...
multi-colored clown
  07/08/17
So your telling me that if I make a lot of money ill do well...
pea-brained house-broken mexican
  12/10/14
...
Stimulating Stain Pervert
  05/14/14
...
Stimulating Stain Pervert
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
Pungent center fortuitous meteor
  12/10/14
...
Stimulating Stain Pervert
  12/10/14
...
Stimulating Stain Pervert
  02/13/15
this is retarded. for most of us, that would have meant soc...
supple cuckold rigor
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
flickering incel
  02/13/15
...
Stimulating Stain Pervert
  02/13/15
we're in a bubble right now, so all of those figures are bul...
supple cuckold rigor
  02/13/15
...
Stimulating Stain Pervert
  02/13/15
A year later after bitching in this thread, I have fucking $...
Massive Quadroon Resort
  02/13/15
...
Stimulating Stain Pervert
  02/13/15
What has your APR been?
burgundy station
  02/13/15
how much money did you have in cash on the sidelines from th...
Stubborn nighttime laser beams
  02/13/15
...
Stimulating Stain Pervert
  12/29/15
...
Stimulating Stain Pervert
  04/18/16
I remember a teacher showing us this kind of chart back arou...
vibrant national
  04/18/16
wise move
bateful mad-dog skullcap
  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.
dead concupiscible prole
  04/18/16
...
Stimulating Stain Pervert
  04/18/16
This is false and assumes one continues working a cookie-cut...
Crawly organic girlfriend stead
  04/18/16
just do >10% growth every year. worked for bernie madoff
Vivacious Carmine Tanning Salon Roast Beef
  04/18/16
This bort is retarded.
ocher spectacular hissy fit halford
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
fuchsia double fault base
  04/18/16
...
Stimulating Stain Pervert
  04/18/16
you pointed it out above several times, and each time you go...
fuchsia double fault base
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
cyan hideous scourge upon the earth
  04/18/16
The real reason this chart is dumb is because of inflation. ...
disturbing therapy
  04/18/16
...
Stimulating Stain Pervert
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
disturbing therapy
  04/18/16
...
Stimulating Stain Pervert
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
Cerebral cheese-eating piazza
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
flesh senate
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
thriller gold main people pit
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
Excitant slate range
  02/20/17
I agree generally that returns will be lower. But if you ask...
thriller gold main people pit
  02/20/17
saving for retirement is flame. just slide and let do
Diverse Flushed Reading Party Parlour
  04/18/16
cr
fuchsia double fault base
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
Glittery volcanic crater
  09/29/16
...
Stimulating Stain Pervert
  09/29/16
How do they get 10% retune every year
Mewling Big Point Athletic Conference
  09/29/16
noob investor question, but isn't this idea kind of self per...
Exciting hairless sanctuary masturbator
  09/29/16
Student loan interest exceeds most investment returns so tha...
Pungent center fortuitous meteor
  09/29/16
...
Exciting hairless sanctuary masturbator
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
Bronze overrated travel guidebook coldplay fan
  02/20/17
...
Bronze overrated travel guidebook coldplay fan
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
tripping blue doctorate
  07/08/17
COMPOUND INT--*nuke melts face*
salmon slimy business firm toaster
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
Mind-boggling Home Internal Respiration
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
salmon slimy business firm toaster
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
Mind-boggling Home Internal Respiration
  07/08/17
(Not a rental property owner)
Zippy rehab
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
bat shit crazy international law enforcement agency
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
Bronze overrated travel guidebook coldplay fan
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
Mind-boggling Home Internal Respiration
  07/08/17
now show me the table for $300K at 8% in student loans
tan demanding menage
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
navy boyish property
  07/08/17
...
Glittery volcanic crater
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
tan demanding menage
  07/08/17
data entry
multi-colored clown
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
tan demanding menage
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
multi-colored clown
  07/08/17
CR
Glittery volcanic crater
  07/08/17
Admin assistant
Glittery volcanic crater
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
tan demanding menage
  07/08/17
According to the chart all you need to invest is like 2k a y...
Glittery volcanic crater
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
Irradiated location deer antler
  07/08/17
things barzini knew and did that you did not for $200, alex
crystalline chad theatre
  07/09/17
I think a much more sure bet is Social Security taxes being ...
Khaki impressive sex offender
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
Irradiated location deer antler
  07/08/17
Investment compounding is the single biggest scam the inve...
adventurous yellow kitchen
  07/09/17
...
dashing coiffed fat ankles weed whacker
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
Well-lubricated obsidian area toilet seat
  08/23/17
...
Stimulating Stain Pervert
  09/15/23
how’d we all do?
add more sirens or I will keep poasting
  04/13/26
Not flame bc of the OP I invested $35k and it’s worth ...
Alison Angel Fan
  04/13/26
...
richard clock
  04/13/26


Poast new message in this thread



Reply Favorite

Date: February 7th, 2014 3:20 PM
Author: Stimulating Stain Pervert

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: blathering gaming laptop

(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: Light racy hospital
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: stirring school cafeteria

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: Plum nudist dragon



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: transparent dopamine

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: self-absorbed soul-stirring principal's office alpha

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: Massive Quadroon Resort

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: peach hairraiser ticket booth

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: Stimulating Stain Pervert



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Opaque Faggot Firefighter Black Woman

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: Bonkers kitty cat temple

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: Opaque Faggot Firefighter Black Woman

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: Chest-beating candlestick maker half-breed



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: adulterous forum



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: Harsh fear-inspiring stage



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: Opaque Faggot Firefighter Black Woman



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: Drab casino



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: Harsh fear-inspiring stage



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: Stimulating Stain Pervert



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Opaque Faggot Firefighter Black Woman

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: Stimulating Stain Pervert



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Opaque Faggot Firefighter Black Woman

(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: Opaque Faggot Firefighter Black Woman

(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: Opaque Faggot Firefighter Black Woman

(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: Zippy rehab

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: ocher spectacular hissy fit halford

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: Stimulating Stain Pervert



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: Zippy rehab

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: Zippy rehab



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: Zippy rehab

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: lake den background story



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: Zippy rehab

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: milky cumskin spot

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: Stimulating Stain Pervert



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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: Zippy rehab

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: ocher spectacular hissy fit halford

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: Zippy rehab

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: avocado native electric furnace

(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: exhilarant shrine wagecucks

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: Stimulating Stain Pervert



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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: Zippy rehab

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: cracking magenta lodge pisswyrm

(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: Nofapping marvelous son of senegal

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: Arousing marketing idea faggotry

haha

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



Reply Favorite

Date: February 20th, 2017 1:49 AM
Author: Opaque Faggot Firefighter Black Woman



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



Reply Favorite

Date: February 20th, 2017 8:38 AM
Author: ocher spectacular hissy fit halford



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: Idiotic Tantric Brunch Sneaky Criminal



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: Well-lubricated obsidian area toilet seat



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Titillating roommate crackhouse

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: Stimulating Stain Pervert



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Titillating roommate crackhouse

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: Stimulating Stain Pervert



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: Titillating roommate crackhouse

?

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: Stimulating Stain Pervert



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Titillating roommate crackhouse

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: Stimulating Stain Pervert



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



Reply Favorite

Date: February 7th, 2014 4:13 PM
Author: Titillating roommate crackhouse

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: Stimulating Stain Pervert



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



Reply Favorite

Date: February 7th, 2014 4:35 PM
Author: Bonkers kitty cat temple

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: Stimulating Stain Pervert



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



Reply Favorite

Date: July 9th, 2017 11:26 AM
Author: Appetizing set gunner

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: Effete messiness

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: Massive Quadroon Resort

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: stirring school cafeteria

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: Massive Quadroon Resort

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: stirring school cafeteria

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: Massive Quadroon Resort

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: stirring school cafeteria

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: Massive Quadroon Resort

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: stirring school cafeteria

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: Massive Quadroon Resort

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: slap-happy cuck dog poop

(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: dark sweet tailpipe public bath

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: Stimulating Stain Pervert



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: stirring school cafeteria

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: flickering incel



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: Lilac Floppy Queen Of The Night



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: Glittery volcanic crater



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: Massive Quadroon Resort

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: stirring school cafeteria

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: Massive Quadroon Resort

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: Titillating roommate crackhouse

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: Massive Quadroon Resort

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: Histrionic orchestra pit

$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: Maroon private investor institution

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: Mentally impaired fragrant digit ratio associate

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: Stimulating Stain Pervert



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: Mentally impaired fragrant digit ratio associate

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: Opaque Faggot Firefighter Black Woman

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: crystalline chad theatre



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



Reply Favorite

Date: February 7th, 2014 4:01 PM
Author: jet comical cruise ship

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: Electric Coral Twinkling Uncleanness Plaza



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



Reply Favorite

Date: February 7th, 2014 4:08 PM
Author: wonderful indigo wrinkle space

*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: jet comical cruise ship

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: Sooty odious library

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: Sooty odious library

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: bat shit crazy international law enforcement agency

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: primrose hilarious ceo locus

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: Electric Coral Twinkling Uncleanness Plaza

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: wine lay nowag

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: drunken trip indian lodge

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: Massive Quadroon Resort

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: jet comical cruise ship

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: azure aromatic nibblets stag film

(cgm)

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



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: Heady bright circlehead church building

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: adventurous yellow kitchen

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: Stimulating Stain Pervert



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: Crawly organic girlfriend stead

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: Stimulating Stain Pervert



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: multi-colored clown



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: pea-brained house-broken mexican

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: Stimulating Stain Pervert



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: Stimulating Stain Pervert



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: Pungent center fortuitous meteor

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: Stimulating Stain Pervert



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: Stimulating Stain Pervert



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: supple cuckold rigor

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: flickering incel

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: Stimulating Stain Pervert



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: supple cuckold rigor

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: Stimulating Stain Pervert



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: Massive Quadroon Resort

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: Stimulating Stain Pervert



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



Reply Favorite

Date: February 13th, 2015 5:53 PM
Author: burgundy station

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: Stubborn nighttime laser beams

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: Stimulating Stain Pervert



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



Reply Favorite

Date: April 18th, 2016 7:18 AM
Author: Stimulating Stain Pervert



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



Reply Favorite

Date: April 18th, 2016 7:47 AM
Author: vibrant national

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: bateful mad-dog skullcap

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: dead concupiscible prole

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: Stimulating Stain Pervert



(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: Crawly organic girlfriend stead

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: Vivacious Carmine Tanning Salon Roast Beef

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: ocher spectacular hissy fit halford

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: fuchsia double fault base

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: Stimulating Stain Pervert



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



Reply Favorite

Date: April 18th, 2016 10:04 AM
Author: fuchsia double fault base

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: cyan hideous scourge upon the earth

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: disturbing therapy

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: Stimulating Stain Pervert



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



Reply Favorite

Date: April 18th, 2016 9:50 AM
Author: disturbing therapy

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: Stimulating Stain Pervert



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



Reply Favorite

Date: July 8th, 2017 11:01 AM
Author: Cerebral cheese-eating piazza

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: flesh senate

*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: thriller gold main people pit

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: Excitant slate range

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: thriller gold main people pit

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: Diverse Flushed Reading Party Parlour

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: fuchsia double fault base

cr

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



Reply Favorite

Date: September 29th, 2016 10:24 AM
Author: Glittery volcanic crater

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: Stimulating Stain Pervert



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



Reply Favorite

Date: September 29th, 2016 1:21 PM
Author: Mewling Big Point Athletic Conference

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: Exciting hairless sanctuary masturbator

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: Pungent center fortuitous meteor

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: Exciting hairless sanctuary masturbator



(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: Bronze overrated travel guidebook coldplay fan

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: Bronze overrated travel guidebook coldplay fan



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



Reply Favorite

Date: July 8th, 2017 9:40 AM
Author: tripping blue doctorate

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: salmon slimy business firm toaster

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: Mind-boggling Home Internal Respiration

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: salmon slimy business firm toaster

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: Mind-boggling Home Internal Respiration

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: Zippy rehab

(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: bat shit crazy international law enforcement agency

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: Bronze overrated travel guidebook coldplay fan

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: Mind-boggling Home Internal Respiration

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: tan demanding menage

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: navy boyish property

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: Glittery volcanic crater



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



Reply Favorite

Date: July 8th, 2017 12:30 PM
Author: tan demanding menage

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: multi-colored clown

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: tan demanding menage

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: multi-colored clown

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: Glittery volcanic crater

CR

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



Reply Favorite

Date: July 8th, 2017 12:32 PM
Author: Glittery volcanic crater

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: tan demanding menage

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: Glittery volcanic crater

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: Irradiated location deer antler

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: crystalline chad theatre

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: Khaki impressive sex offender

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: Irradiated location deer antler

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: adventurous yellow kitchen

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: dashing coiffed fat ankles weed whacker



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



Reply Favorite

Date: August 23rd, 2017 11:19 AM
Author: Well-lubricated obsidian area toilet seat

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: Stimulating Stain Pervert



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



Reply Favorite

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

how’d we all do?

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



Reply Favorite

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

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

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



Reply Favorite

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



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