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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...
gaped exciting lodge
  02/07/14
(Dave Ramsey)
Hateful school cafeteria
  12/10/14
Germany bull
Twinkling Bonkers Psychic
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
Contagious High-end National Fanboi
  02/07/14
...
Heady brilliant partner
  02/08/14
yep
Bateful cerise site toilet seat
  02/07/14
what is the apr on this
bisexual newt
  02/07/14
12% lol.
violet crackhouse giraffe
  02/07/14
fucking boomers
Fuchsia hairraiser karate
  02/07/14
...
may his bones be crushed
  04/13/26
...
gaped exciting lodge
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
Odious plum institution juggernaut
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
Histrionic community account
  02/07/14
180
Odious plum institution juggernaut
  02/07/14
...
buff boistinker range
  02/08/14
...
comical pozpig spot
  02/13/15
...
deep goal in life
  04/18/16
...
Odious plum institution juggernaut
  02/20/17
...
mint queen of the night
  02/20/17
...
deep goal in life
  07/08/17
...
gaped exciting lodge
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
Odious plum institution juggernaut
  02/07/14
...
gaped exciting lodge
  02/07/14
(guy who recently watched The Secret)
Odious plum institution juggernaut
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
Odious plum institution juggernaut
  02/07/14
(Boomer in 2006 buying third investment property)
Odious plum institution juggernaut
  02/07/14
this will not occur over the next 40 years
Citrine cocky water buffalo
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
dull razzle sanctuary jap
  02/07/14
...
gaped exciting lodge
  02/07/14
Compare the demographics, foreign competition, and regulator...
Citrine cocky water buffalo
  12/10/14
...
Citrine cocky water buffalo
  04/18/16
A true genius
Citrine cocky water buffalo
  09/29/16
...
Big clear turdskin brunch
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
Citrine cocky water buffalo
  04/18/16
Just do assume 12% returns for 45 years
Spruce hospital
  02/07/14
...
gaped exciting lodge
  02/07/14
CR incredibly retarded
Citrine cocky water buffalo
  02/07/14
It doesn't change regardless of rate.
dull razzle sanctuary jap
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
Citrine cocky water buffalo
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
marvelous talking patrolman
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
Canary vigorous principal's office
  02/07/14
...
gaped exciting lodge
  02/07/14
this will not be the case for the next 50 years
Citrine cocky water buffalo
  02/07/14
(Suze Orman after a few too many glasses of wine)
Pink Zombie-like Step-uncle's House
  02/07/14
lol'd
Vivacious forum double fault
  04/18/16
haha
Fragrant Arrogant Shrine Cuck
  09/29/16
...
Odious plum institution juggernaut
  02/20/17
...
dull razzle sanctuary jap
  02/20/17
...
Irradiated Azn Roast Beef
  02/20/17
...
electric sadistic candlestick maker
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
submissive amethyst set multi-billionaire
  02/07/14
...
gaped exciting lodge
  02/07/14
Not if returns were negative when/in the years immediately f...
submissive amethyst set multi-billionaire
  02/07/14
...
gaped exciting lodge
  02/07/14
? All the hypo supposes is that you start investing in yo...
submissive amethyst set multi-billionaire
  02/07/14
...
gaped exciting lodge
  02/07/14
YOUR personal rate of return is different from the market's ...
submissive amethyst set multi-billionaire
  02/07/14
...
gaped exciting lodge
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
submissive amethyst set multi-billionaire
  02/07/14
...
gaped exciting lodge
  02/07/14
you realize that to obtain the returns you stated above, one...
Histrionic community account
  02/07/14
...
gaped exciting lodge
  02/07/14
jfc why does she write shit like this
pontificating parlour
  07/09/17
This is true for everything ever.
dashing up-to-no-good messiness
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
violet crackhouse giraffe
  02/07/14
U r 36? LOLOL
Contagious High-end National Fanboi
  02/07/14
34 but I put more money than $2000 per year in there.
violet crackhouse giraffe
  02/07/14
Damen. How does it feel to be literally half done with life?
Contagious High-end National Fanboi
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
violet crackhouse giraffe
  02/07/14
Goal retirement age??
Contagious High-end National Fanboi
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
violet crackhouse giraffe
  02/07/14
Any family pressure to get married??
Contagious High-end National Fanboi
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
violet crackhouse giraffe
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
Navy meetinghouse mad-dog skullcap
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
Autistic Sapphire Hairy Legs Lay
  02/07/14
...
gaped exciting lodge
  02/07/14
Doctors are done here
Contagious High-end National Fanboi
  02/07/14
...
poppy rigpig
  02/13/15
...
vibrant point
  02/20/17
...
magical idiot nursing home
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
violet crackhouse giraffe
  02/07/14
What were u doing at 22?
Contagious High-end National Fanboi
  02/07/14
crappy consulting firm do municipal bond analysis.
violet crackhouse giraffe
  02/07/14
you should've gone into finance, instead. you'd have a milli...
submissive amethyst set multi-billionaire
  02/07/14
I was too lazy in college, but yeah would have been a good i...
violet crackhouse giraffe
  02/07/14
$38k was a decent starting salary in 1995...?
trip rambunctious tanning salon
  02/08/14
my gf doesn't even have a credit card. she's 24
Red titillating persian voyeur
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
Soul-stirring mahogany orchestra pit
  02/07/14
...
gaped exciting lodge
  02/07/14
yes arthur is fucked, ben pwns him
Soul-stirring mahogany orchestra pit
  02/07/14
Twist: Arthur was swimming in student loan debt
Odious plum institution juggernaut
  02/07/14
...
filthy rebellious tattoo
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
Transparent Diverse Dilemma
  02/07/14
...
180 purple casino
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
charismatic primrose party of the first part sneaky criminal
  02/07/14
True, the idea that investing early is a good idea sure didn...
Transparent Diverse Dilemma
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
exhilarant ultramarine ladyboy area
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
exhilarant ultramarine ladyboy area
  07/08/17
Right. The person who started investing earlier is still in ...
Galvanic Umber Bawdyhouse
  07/09/17
I think the more interesting hypo is a guy who starts invest...
Arousing Translucent Elastic Band
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
180 purple casino
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
stimulating insanely creepy business firm
  02/07/14
I still think it's more credited to maintain liquidity and i...
aromatic brindle heaven
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
violet crackhouse giraffe
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
Transparent Diverse Dilemma
  02/07/14
(cgm)
dun frozen trump supporter whorehouse
  02/07/14
What does this look like if you assume 6% returns?
slap-happy hominid
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
twisted insecure school fat ankles
  02/08/14
...
gaped exciting lodge
  02/17/14
not really. my parents had very little just 20 years ago...
Vermilion indirect expression market
  02/08/14
...
gaped exciting lodge
  02/10/14
...
vengeful violent degenerate
  07/08/17
So your telling me that if I make a lot of money ill do well...
Turquoise narrow-minded university twinkling uncleanness
  12/10/14
...
gaped exciting lodge
  05/14/14
...
gaped exciting lodge
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
Razzmatazz cuckold reading party
  12/10/14
...
gaped exciting lodge
  12/10/14
...
gaped exciting lodge
  02/13/15
this is retarded. for most of us, that would have meant soc...
cracking immigrant
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
poppy rigpig
  02/13/15
...
gaped exciting lodge
  02/13/15
we're in a bubble right now, so all of those figures are bul...
cracking immigrant
  02/13/15
...
gaped exciting lodge
  02/13/15
A year later after bitching in this thread, I have fucking $...
violet crackhouse giraffe
  02/13/15
...
gaped exciting lodge
  02/13/15
What has your APR been?
claret public bath
  02/13/15
how much money did you have in cash on the sidelines from th...
crystalline den
  02/13/15
...
gaped exciting lodge
  12/29/15
...
gaped exciting lodge
  04/18/16
I remember a teacher showing us this kind of chart back arou...
Bright embarrassed to the bone fortuitous meteor
  04/18/16
wise move
aquamarine costumed hissy fit garrison
  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.
Opaque razzle-dazzle stag film
  04/18/16
...
gaped exciting lodge
  04/18/16
This is false and assumes one continues working a cookie-cut...
Vermilion indirect expression market
  04/18/16
just do >10% growth every year. worked for bernie madoff
Cerebral Charcoal Corner Legal Warrant
  04/18/16
This bort is retarded.
dull razzle sanctuary jap
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
Thriller personal credit line
  04/18/16
...
gaped exciting lodge
  04/18/16
you pointed it out above several times, and each time you go...
Thriller personal credit line
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
adventurous preventive strike
  04/18/16
The real reason this chart is dumb is because of inflation. ...
gay temple
  04/18/16
...
gaped exciting lodge
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
gay temple
  04/18/16
...
gaped exciting lodge
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
Concupiscible office
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
passionate chartreuse stage bbw
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
Racy tan gay wizard theatre
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
fantasy-prone locale
  02/20/17
I agree generally that returns will be lower. But if you ask...
Racy tan gay wizard theatre
  02/20/17
saving for retirement is flame. just slide and let do
Excitant startling brethren kitty cat
  04/18/16
cr
Thriller personal credit line
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
magical idiot nursing home
  09/29/16
...
gaped exciting lodge
  09/29/16
How do they get 10% retune every year
judgmental police squad
  09/29/16
noob investor question, but isn't this idea kind of self per...
spectacular house
  09/29/16
Student loan interest exceeds most investment returns so tha...
Razzmatazz cuckold reading party
  09/29/16
...
spectacular house
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
Provocative background story
  02/20/17
...
Provocative background story
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
Lascivious Anal Famous Landscape Painting
  07/08/17
COMPOUND INT--*nuke melts face*
flushed black woman
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
Nighttime bearded love of her life
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
flushed black woman
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
Nighttime bearded love of her life
  07/08/17
(Not a rental property owner)
Citrine cocky water buffalo
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
Galvanic Umber Bawdyhouse
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
Provocative background story
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
Nighttime bearded love of her life
  07/08/17
now show me the table for $300K at 8% in student loans
amber swashbuckling chapel
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
Irate talented main people
  07/08/17
...
magical idiot nursing home
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
amber swashbuckling chapel
  07/08/17
data entry
vengeful violent degenerate
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
amber swashbuckling chapel
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
vengeful violent degenerate
  07/08/17
CR
magical idiot nursing home
  07/08/17
Admin assistant
magical idiot nursing home
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
amber swashbuckling chapel
  07/08/17
According to the chart all you need to invest is like 2k a y...
magical idiot nursing home
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
Jet bearded rigor
  07/08/17
things barzini knew and did that you did not for $200, alex
filthy rebellious tattoo
  07/09/17
I think a much more sure bet is Social Security taxes being ...
sticky ruddy ticket booth regret
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
Jet bearded rigor
  07/08/17
Investment compounding is the single biggest scam the inve...
twisted insecure school fat ankles
  07/09/17
...
Federal coiffed genital piercing
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
electric sadistic candlestick maker
  08/23/17
...
gaped exciting lodge
  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: gaped exciting lodge

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: Hateful school cafeteria

(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: Twinkling Bonkers Psychic
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: Contagious High-end National Fanboi

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: Heady brilliant partner



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: Bateful cerise site toilet seat

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: bisexual newt

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: violet crackhouse giraffe

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: Fuchsia hairraiser karate

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: gaped exciting lodge



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Odious plum institution juggernaut

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: Histrionic community account

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: Odious plum institution juggernaut

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: buff boistinker range



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: comical pozpig spot



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: deep goal in life



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: Odious plum institution juggernaut



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: mint queen of the night



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: deep goal in life



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: gaped exciting lodge



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Odious plum institution juggernaut

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: gaped exciting lodge



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Odious plum institution juggernaut

(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: Odious plum institution juggernaut

(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: Odious plum institution juggernaut

(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: Citrine cocky water buffalo

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: dull razzle sanctuary jap

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: gaped exciting lodge



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: Citrine cocky water buffalo

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: Citrine cocky water buffalo



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: Citrine cocky water buffalo

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: Big clear turdskin brunch



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: Citrine cocky water buffalo

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: Spruce hospital

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: gaped exciting lodge



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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: Citrine cocky water buffalo

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: dull razzle sanctuary jap

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: Citrine cocky water buffalo

LOL. Yes it does. Try 0% and see what happens.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2.#30296270)



Reply Favorite

Date: April 13th, 2026 1:59 PM
Author: may his bones be crushed



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2.#49814669)



Reply Favorite

Date: February 20th, 2017 9:25 AM
Author: marvelous talking patrolman

(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: Canary vigorous principal's office

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: gaped exciting lodge



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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: Citrine cocky water buffalo

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: Pink Zombie-like Step-uncle's House

(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: Vivacious forum double fault

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: Fragrant Arrogant Shrine Cuck

haha

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



Reply Favorite

Date: February 20th, 2017 1:49 AM
Author: Odious plum institution juggernaut



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



Reply Favorite

Date: February 20th, 2017 8:38 AM
Author: dull razzle sanctuary jap



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: Irradiated Azn Roast Beef



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: electric sadistic candlestick maker



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: submissive amethyst set multi-billionaire

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: gaped exciting lodge



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: submissive amethyst set multi-billionaire

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: gaped exciting lodge



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: submissive amethyst set multi-billionaire

?

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: gaped exciting lodge



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: submissive amethyst set multi-billionaire

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: gaped exciting lodge



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



Reply Favorite

Date: February 7th, 2014 4:13 PM
Author: submissive amethyst set multi-billionaire

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: gaped exciting lodge



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



Reply Favorite

Date: February 7th, 2014 4:35 PM
Author: Histrionic community account

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: gaped exciting lodge



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



Reply Favorite

Date: July 9th, 2017 11:26 AM
Author: pontificating parlour

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: dashing up-to-no-good 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: violet crackhouse giraffe

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: Contagious High-end National Fanboi

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: violet crackhouse giraffe

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: Contagious High-end National Fanboi

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: violet crackhouse giraffe

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: Contagious High-end National Fanboi

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: violet crackhouse giraffe

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: Contagious High-end National Fanboi

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: violet crackhouse giraffe

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: Navy meetinghouse mad-dog skullcap

(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: Autistic Sapphire Hairy Legs Lay

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: gaped exciting lodge



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Contagious High-end National Fanboi

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: poppy rigpig



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: vibrant point



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: magical idiot nursing home



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: violet crackhouse giraffe

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: Contagious High-end National Fanboi

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: violet crackhouse giraffe

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: submissive amethyst set multi-billionaire

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: violet crackhouse giraffe

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: trip rambunctious tanning salon

$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: Red titillating persian voyeur

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: Soul-stirring mahogany orchestra pit

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: gaped exciting lodge



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: Soul-stirring mahogany orchestra pit

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: Odious plum institution juggernaut

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: filthy rebellious tattoo



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



Reply Favorite

Date: February 7th, 2014 4:01 PM
Author: Transparent Diverse Dilemma

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: 180 purple casino



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



Reply Favorite

Date: February 7th, 2014 4:08 PM
Author: charismatic primrose party of the first part sneaky criminal

*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: Transparent Diverse Dilemma

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: exhilarant ultramarine ladyboy area

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: exhilarant ultramarine ladyboy area

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: Galvanic Umber Bawdyhouse

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: Arousing Translucent Elastic Band

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: 180 purple casino

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: stimulating insanely creepy business firm

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: aromatic brindle heaven

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: violet crackhouse giraffe

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: Transparent Diverse Dilemma

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: dun frozen trump supporter whorehouse

(cgm)

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



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: slap-happy hominid

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: twisted insecure school fat ankles

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: gaped exciting lodge



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: Vermilion indirect expression market

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: gaped exciting lodge



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: vengeful violent degenerate



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: Turquoise narrow-minded university twinkling uncleanness

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: gaped exciting lodge



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: gaped exciting lodge



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: Razzmatazz cuckold reading party

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: gaped exciting lodge



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: gaped exciting lodge



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: cracking immigrant

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: poppy rigpig

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: gaped exciting lodge



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: cracking immigrant

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: gaped exciting lodge



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: violet crackhouse giraffe

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: gaped exciting lodge



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



Reply Favorite

Date: February 13th, 2015 5:53 PM
Author: claret public bath

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: crystalline den

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)



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Date: December 29th, 2015 1:41 PM
Author: gaped exciting lodge



(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: gaped exciting lodge



(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: Bright embarrassed to the bone fortuitous meteor

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: aquamarine costumed hissy fit garrison

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: Opaque razzle-dazzle stag film

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: gaped exciting lodge



(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: Vermilion indirect expression market

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: Cerebral Charcoal Corner Legal Warrant

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: dull razzle sanctuary jap

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: Thriller personal credit line

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: gaped exciting lodge



(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: Thriller personal credit line

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: adventurous preventive strike

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: gay temple

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: gaped exciting lodge



(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: gay temple

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: gaped exciting lodge



(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: Concupiscible office

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: passionate chartreuse stage bbw

*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: Racy tan gay wizard theatre

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: fantasy-prone locale

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: Racy tan gay wizard theatre

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: Excitant startling brethren kitty cat

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: Thriller personal credit line

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: magical idiot nursing home

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: gaped exciting lodge



(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: judgmental police squad

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: spectacular house

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: Razzmatazz cuckold reading party

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: spectacular house



(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: Provocative background story

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: Provocative background story



(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: Lascivious Anal Famous Landscape Painting

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: flushed black woman

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: Nighttime bearded love of her life

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: flushed black woman

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: Nighttime bearded love of her life

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: Citrine cocky water buffalo

(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: Galvanic Umber Bawdyhouse

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: Provocative background story

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: Nighttime bearded love of her life

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: amber swashbuckling chapel

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: Irate talented main people

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: magical idiot nursing home



(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: amber swashbuckling chapel

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: vengeful violent degenerate

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: amber swashbuckling chapel

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: vengeful violent degenerate

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: magical idiot nursing home

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: magical idiot nursing home

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: amber swashbuckling chapel

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: magical idiot nursing home

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: Jet bearded rigor

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: filthy rebellious tattoo

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: sticky ruddy ticket booth regret

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: Jet bearded rigor

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: twisted insecure school fat ankles

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: Federal coiffed genital piercing



(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: electric sadistic candlestick maker

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: gaped exciting lodge



(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)