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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...
Flushed juggernaut point
  02/07/14
(Dave Ramsey)
Grizzly Church Building
  12/10/14
Germany bull
Magenta Free-loading Locus
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
Bull headed codepig
  02/07/14
...
bat-shit-crazy deer antler
  02/08/14
yep
Blue goal in life
  02/07/14
what is the apr on this
Multi-colored silver telephone
  02/07/14
12% lol.
idiotic honey-headed idiot
  02/07/14
fucking boomers
tripping sooty filthpig roommate
  02/07/14
...
may his bones be crushed
  04/13/26
...
Flushed juggernaut point
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
milky office
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
Maniacal ultramarine toilet seat sound barrier
  02/07/14
180
milky office
  02/07/14
...
appetizing home
  02/08/14
...
maize vigorous incel parlour
  02/13/15
...
adventurous vengeful piazza
  04/18/16
...
milky office
  02/20/17
...
trip forum
  02/20/17
...
adventurous vengeful piazza
  07/08/17
...
Flushed juggernaut point
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
milky office
  02/07/14
...
Flushed juggernaut point
  02/07/14
(guy who recently watched The Secret)
milky office
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
milky office
  02/07/14
(Boomer in 2006 buying third investment property)
milky office
  02/07/14
this will not occur over the next 40 years
Jet Excitant Faggotry Tank
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
indigo menage people who are hurt
  02/07/14
...
Flushed juggernaut point
  02/07/14
Compare the demographics, foreign competition, and regulator...
Jet Excitant Faggotry Tank
  12/10/14
...
Jet Excitant Faggotry Tank
  04/18/16
A true genius
Jet Excitant Faggotry Tank
  09/29/16
...
odious cruise ship
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
Jet Excitant Faggotry Tank
  04/18/16
Just do assume 12% returns for 45 years
passionate irate gas station
  02/07/14
...
Flushed juggernaut point
  02/07/14
CR incredibly retarded
Jet Excitant Faggotry Tank
  02/07/14
It doesn't change regardless of rate.
indigo menage people who are hurt
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
Jet Excitant Faggotry Tank
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
pea-brained space pisswyrm
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
glassy partner
  02/07/14
...
Flushed juggernaut point
  02/07/14
this will not be the case for the next 50 years
Jet Excitant Faggotry Tank
  02/07/14
(Suze Orman after a few too many glasses of wine)
Olive Property Round Eye
  02/07/14
lol'd
mauve heaven
  04/18/16
haha
saffron bisexual mediation
  09/29/16
...
milky office
  02/20/17
...
indigo menage people who are hurt
  02/20/17
...
laughsome tanning salon
  02/20/17
...
Yellow arousing ticket booth
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
Azure Spectacular Depressive
  02/07/14
...
Flushed juggernaut point
  02/07/14
Not if returns were negative when/in the years immediately f...
Azure Spectacular Depressive
  02/07/14
...
Flushed juggernaut point
  02/07/14
? All the hypo supposes is that you start investing in yo...
Azure Spectacular Depressive
  02/07/14
...
Flushed juggernaut point
  02/07/14
YOUR personal rate of return is different from the market's ...
Azure Spectacular Depressive
  02/07/14
...
Flushed juggernaut point
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
Azure Spectacular Depressive
  02/07/14
...
Flushed juggernaut point
  02/07/14
you realize that to obtain the returns you stated above, one...
Maniacal ultramarine toilet seat sound barrier
  02/07/14
...
Flushed juggernaut point
  02/07/14
jfc why does she write shit like this
Avocado Contagious Becky
  07/09/17
This is true for everything ever.
infuriating obsidian shrine
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
idiotic honey-headed idiot
  02/07/14
U r 36? LOLOL
Bull headed codepig
  02/07/14
34 but I put more money than $2000 per year in there.
idiotic honey-headed idiot
  02/07/14
Damen. How does it feel to be literally half done with life?
Bull headed codepig
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
idiotic honey-headed idiot
  02/07/14
Goal retirement age??
Bull headed codepig
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
idiotic honey-headed idiot
  02/07/14
Any family pressure to get married??
Bull headed codepig
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
idiotic honey-headed idiot
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
Galvanic cerise corn cake double fault
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
Flesh hissy fit
  02/07/14
...
Flushed juggernaut point
  02/07/14
Doctors are done here
Bull headed codepig
  02/07/14
...
canary ungodly masturbator personal credit line
  02/13/15
...
Wine Cuckoldry Laser Beams
  02/20/17
...
Onyx unholy theater
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
idiotic honey-headed idiot
  02/07/14
What were u doing at 22?
Bull headed codepig
  02/07/14
crappy consulting firm do municipal bond analysis.
idiotic honey-headed idiot
  02/07/14
you should've gone into finance, instead. you'd have a milli...
Azure Spectacular Depressive
  02/07/14
I was too lazy in college, but yeah would have been a good i...
idiotic honey-headed idiot
  02/07/14
$38k was a decent starting salary in 1995...?
Ivory provocative place of business
  02/08/14
my gf doesn't even have a credit card. she's 24
Mind-boggling abusive windowlicker jew
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
orchid turdskin base
  02/07/14
...
Flushed juggernaut point
  02/07/14
yes arthur is fucked, ben pwns him
orchid turdskin base
  02/07/14
Twist: Arthur was swimming in student loan debt
milky office
  02/07/14
...
Slimy spot candlestick maker
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
cerebral pearly famous landscape painting
  02/07/14
...
smoky stimulating elastic band
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
very tactful immigrant pozpig
  02/07/14
True, the idea that investing early is a good idea sure didn...
cerebral pearly famous landscape painting
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
fishy exciting chad
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
fishy exciting chad
  07/08/17
Right. The person who started investing earlier is still in ...
Alcoholic bawdyhouse messiness
  07/09/17
I think the more interesting hypo is a guy who starts invest...
Emerald psychic
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
smoky stimulating elastic band
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
indecent public bath
  02/07/14
I still think it's more credited to maintain liquidity and i...
insecure exhilarant cuckold lodge
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
idiotic honey-headed idiot
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
cerebral pearly famous landscape painting
  02/07/14
(cgm)
overrated plum ceo
  02/07/14
What does this look like if you assume 6% returns?
Heady lime background story
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
Curious Haunting Dysfunction
  02/08/14
...
Flushed juggernaut point
  02/17/14
not really. my parents had very little just 20 years ago...
glittery institution love of her life
  02/08/14
...
Flushed juggernaut point
  02/10/14
...
Crimson Concupiscible Affirmative Action
  07/08/17
So your telling me that if I make a lot of money ill do well...
Zombie-like Coral Athletic Conference Potus
  12/10/14
...
Flushed juggernaut point
  05/14/14
...
Flushed juggernaut point
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
cracking puce box office multi-billionaire
  12/10/14
...
Flushed juggernaut point
  12/10/14
...
Flushed juggernaut point
  02/13/15
this is retarded. for most of us, that would have meant soc...
Floppy travel guidebook garrison
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
canary ungodly masturbator personal credit line
  02/13/15
...
Flushed juggernaut point
  02/13/15
we're in a bubble right now, so all of those figures are bul...
Floppy travel guidebook garrison
  02/13/15
...
Flushed juggernaut point
  02/13/15
A year later after bitching in this thread, I have fucking $...
idiotic honey-headed idiot
  02/13/15
...
Flushed juggernaut point
  02/13/15
What has your APR been?
buck-toothed nursing home digit ratio
  02/13/15
how much money did you have in cash on the sidelines from th...
Narrow-minded charismatic therapy state
  02/13/15
...
Flushed juggernaut point
  12/29/15
...
Flushed juggernaut point
  04/18/16
I remember a teacher showing us this kind of chart back arou...
Abnormal Principal's Office
  04/18/16
wise move
beta degenerate national
  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.
bearded blathering mad-dog skullcap
  04/18/16
...
Flushed juggernaut point
  04/18/16
This is false and assumes one continues working a cookie-cut...
glittery institution love of her life
  04/18/16
just do >10% growth every year. worked for bernie madoff
maroon crusty macaca
  04/18/16
This bort is retarded.
indigo menage people who are hurt
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
translucent school cafeteria
  04/18/16
...
Flushed juggernaut point
  04/18/16
you pointed it out above several times, and each time you go...
translucent school cafeteria
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
charcoal rehab
  04/18/16
The real reason this chart is dumb is because of inflation. ...
Cocky really tough guy jewess
  04/18/16
...
Flushed juggernaut point
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
Cocky really tough guy jewess
  04/18/16
...
Flushed juggernaut point
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
Useless lay
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
transparent hominid
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
mahogany kink-friendly abode toaster
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
wonderful school foreskin
  02/20/17
I agree generally that returns will be lower. But if you ask...
mahogany kink-friendly abode toaster
  02/20/17
saving for retirement is flame. just slide and let do
Mustard church useless brakes
  04/18/16
cr
translucent school cafeteria
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
Onyx unholy theater
  09/29/16
...
Flushed juggernaut point
  09/29/16
How do they get 10% retune every year
Lilac meetinghouse kitty cat
  09/29/16
noob investor question, but isn't this idea kind of self per...
talented patrolman
  09/29/16
Student loan interest exceeds most investment returns so tha...
cracking puce box office multi-billionaire
  09/29/16
...
talented patrolman
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
Fragrant Coffee Pot
  02/20/17
...
Fragrant Coffee Pot
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
Impertinent university
  07/08/17
COMPOUND INT--*nuke melts face*
buff parlor
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
Internet-worthy Cyan Dopamine
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
buff parlor
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
Internet-worthy Cyan Dopamine
  07/08/17
(Not a rental property owner)
Jet Excitant Faggotry Tank
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
Alcoholic bawdyhouse messiness
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
Fragrant Coffee Pot
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
Internet-worthy Cyan Dopamine
  07/08/17
now show me the table for $300K at 8% in student loans
aromatic orange casino legal warrant
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
marvelous green stage
  07/08/17
...
Onyx unholy theater
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
aromatic orange casino legal warrant
  07/08/17
data entry
Crimson Concupiscible Affirmative Action
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
aromatic orange casino legal warrant
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
Crimson Concupiscible Affirmative Action
  07/08/17
CR
Onyx unholy theater
  07/08/17
Admin assistant
Onyx unholy theater
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
aromatic orange casino legal warrant
  07/08/17
According to the chart all you need to invest is like 2k a y...
Onyx unholy theater
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
Carmine Demanding Whorehouse Giraffe
  07/08/17
things barzini knew and did that you did not for $200, alex
Slimy spot candlestick maker
  07/09/17
I think a much more sure bet is Social Security taxes being ...
Mentally impaired iridescent quadroon fat ankles
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
Carmine Demanding Whorehouse Giraffe
  07/08/17
Investment compounding is the single biggest scam the inve...
Curious Haunting Dysfunction
  07/09/17
...
Clear Range Internal Respiration
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
Yellow arousing ticket booth
  08/23/17
...
Flushed juggernaut point
  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: Flushed juggernaut point

https://i.pinimg.com/736x/2e/d6/5d/2ed65d34dbac86519947d298d833de61.jpg

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24973861)



Reply Favorite

Date: December 10th, 2014 4:58 PM
Author: Grizzly Church Building

(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: Magenta Free-loading Locus
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: Bull headed codepig

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: bat-shit-crazy deer antler



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: Blue goal in life

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: Multi-colored silver telephone

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: idiotic honey-headed idiot

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: tripping sooty filthpig roommate

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: Flushed juggernaut point



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: milky office

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: Maniacal ultramarine toilet seat sound barrier

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: milky office

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: appetizing home



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: maize vigorous incel parlour



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: adventurous vengeful piazza



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: milky office



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: trip forum



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: adventurous vengeful piazza



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: Flushed juggernaut point



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: milky office

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: Flushed juggernaut point



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: milky office

(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: milky office

(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: milky office

(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: Jet Excitant Faggotry Tank

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: indigo menage people who are hurt

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: Flushed juggernaut point



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: Jet Excitant Faggotry Tank

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: Jet Excitant Faggotry Tank



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: Jet Excitant Faggotry Tank

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: odious cruise ship



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: Jet Excitant Faggotry Tank

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: passionate irate gas station

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: Flushed juggernaut point



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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: Jet Excitant Faggotry Tank

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: indigo menage people who are hurt

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: Jet Excitant Faggotry Tank

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: pea-brained space pisswyrm

(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: glassy partner

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: Flushed juggernaut point



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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: Jet Excitant Faggotry Tank

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: Olive Property Round Eye

(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: mauve heaven

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: saffron bisexual mediation

haha

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



Reply Favorite

Date: February 20th, 2017 1:49 AM
Author: milky office



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



Reply Favorite

Date: February 20th, 2017 8:38 AM
Author: indigo menage people who are hurt



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: laughsome tanning salon



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: Yellow arousing ticket booth



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



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Date: February 7th, 2014 3:23 PM
Author: Azure Spectacular Depressive

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: Flushed juggernaut point



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Azure Spectacular Depressive

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: Flushed juggernaut point



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: Azure Spectacular Depressive

?

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: Flushed juggernaut point



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Azure Spectacular Depressive

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: Flushed juggernaut point



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



Reply Favorite

Date: February 7th, 2014 4:13 PM
Author: Azure Spectacular Depressive

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: Flushed juggernaut point



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



Reply Favorite

Date: February 7th, 2014 4:35 PM
Author: Maniacal ultramarine toilet seat sound barrier

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: Flushed juggernaut point



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



Reply Favorite

Date: July 9th, 2017 11:26 AM
Author: Avocado Contagious Becky

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: infuriating obsidian shrine

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: idiotic honey-headed idiot

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: Bull headed codepig

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: idiotic honey-headed idiot

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: Bull headed codepig

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: idiotic honey-headed idiot

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: Bull headed codepig

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: idiotic honey-headed idiot

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: Bull headed codepig

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: idiotic honey-headed idiot

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: Galvanic cerise corn cake double fault

(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: Flesh hissy fit

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: Flushed juggernaut point



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Bull headed codepig

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: canary ungodly masturbator personal credit line



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: Wine Cuckoldry Laser Beams



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: Onyx unholy theater



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: idiotic honey-headed idiot

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: Bull headed codepig

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: idiotic honey-headed idiot

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: Azure Spectacular Depressive

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: idiotic honey-headed idiot

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: Ivory provocative place of business

$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: Mind-boggling abusive windowlicker jew

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: orchid turdskin base

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: Flushed juggernaut point



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: orchid turdskin base

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: milky office

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: Slimy spot candlestick maker



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



Reply Favorite

Date: February 7th, 2014 4:01 PM
Author: cerebral pearly famous landscape painting

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: smoky stimulating elastic band



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



Reply Favorite

Date: February 7th, 2014 4:08 PM
Author: very tactful immigrant pozpig

*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: cerebral pearly famous landscape painting

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: fishy exciting chad

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: fishy exciting chad

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: Alcoholic bawdyhouse messiness

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: Emerald psychic

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: smoky stimulating elastic band

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: indecent public bath

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: insecure exhilarant cuckold 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: idiotic honey-headed idiot

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: cerebral pearly famous landscape painting

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: overrated plum ceo

(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 lime background story

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: Curious Haunting Dysfunction

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: Flushed juggernaut point



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: glittery institution love of her life

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: Flushed juggernaut point



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: Crimson Concupiscible Affirmative Action



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: Zombie-like Coral Athletic Conference Potus

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: Flushed juggernaut point



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: Flushed juggernaut point



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: cracking puce box office multi-billionaire

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: Flushed juggernaut point



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: Flushed juggernaut point



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: Floppy travel guidebook garrison

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: canary ungodly masturbator personal credit line

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: Flushed juggernaut point



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: Floppy travel guidebook garrison

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: Flushed juggernaut point



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: idiotic honey-headed idiot

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: Flushed juggernaut point



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



Reply Favorite

Date: February 13th, 2015 5:53 PM
Author: buck-toothed nursing home digit ratio

What has your APR been?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#27309459)



Reply Favorite

Date: February 13th, 2015 6:18 PM
Author: Narrow-minded charismatic therapy state

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: Flushed juggernaut point



(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: Flushed juggernaut point



(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: Abnormal Principal's Office

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: beta degenerate national

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: bearded blathering mad-dog skullcap

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: Flushed juggernaut point



(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: glittery institution love of her life

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: maroon crusty macaca

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: indigo menage people who are hurt

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: translucent school cafeteria

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: Flushed juggernaut point



(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: translucent school cafeteria

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: charcoal rehab

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: Cocky really tough guy jewess

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: Flushed juggernaut point



(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: Cocky really tough guy jewess

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: Flushed juggernaut point



(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: Useless lay

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: transparent hominid

*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: mahogany kink-friendly abode toaster

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: wonderful school foreskin

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: mahogany kink-friendly abode toaster

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: Mustard church useless brakes

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: translucent school cafeteria

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: Onyx unholy theater

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: Flushed juggernaut point



(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: Lilac meetinghouse kitty cat

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: talented patrolman

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: cracking puce box office multi-billionaire

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: talented patrolman



(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: Fragrant Coffee Pot

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: Fragrant Coffee Pot



(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: Impertinent university

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: buff parlor

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: Internet-worthy Cyan Dopamine

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: buff parlor

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: Internet-worthy Cyan Dopamine

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: Jet Excitant Faggotry Tank

(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: Alcoholic bawdyhouse messiness

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: Fragrant Coffee Pot

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: Internet-worthy Cyan Dopamine

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 orange casino legal warrant

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: marvelous green stage

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: Onyx unholy theater



(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 orange casino legal warrant

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: Crimson Concupiscible Affirmative Action

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 orange casino legal warrant

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: Crimson Concupiscible Affirmative Action

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: Onyx unholy theater

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: Onyx unholy theater

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 orange casino legal warrant

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: Onyx unholy theater

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: Carmine Demanding Whorehouse Giraffe

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: Slimy spot candlestick maker

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: Mentally impaired iridescent quadroon fat ankles

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: Carmine Demanding Whorehouse Giraffe

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: Curious Haunting Dysfunction

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: Clear Range Internal Respiration



(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: Yellow arousing ticket booth

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: Flushed juggernaut point



(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)