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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...
Razzle ticket booth
  02/07/14
(Dave Ramsey)
Wine overrated locus
  12/10/14
Germany bull
trip talking lodge
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
excitant community account yarmulke
  02/07/14
...
mustard nudist chapel new version
  02/08/14
yep
hideous emerald blood rage
  02/07/14
what is the apr on this
Puce Blathering Love Of Her Life Church
  02/07/14
12% lol.
Light rigpig area
  02/07/14
fucking boomers
brilliant double fault home
  02/07/14
...
may his bones be crushed
  04/13/26
...
Razzle ticket booth
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
Floppy sex offender
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
Dead international law enforcement agency prole
  02/07/14
180
Floppy sex offender
  02/07/14
...
concupiscible idiotic gas station
  02/08/14
...
Pungent pale striped hyena stage
  02/13/15
...
umber principal's office
  04/18/16
...
Floppy sex offender
  02/20/17
...
provocative zombie-like electric furnace hall
  02/20/17
...
umber principal's office
  07/08/17
...
Razzle ticket booth
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
Floppy sex offender
  02/07/14
...
Razzle ticket booth
  02/07/14
(guy who recently watched The Secret)
Floppy sex offender
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
Floppy sex offender
  02/07/14
(Boomer in 2006 buying third investment property)
Floppy sex offender
  02/07/14
this will not occur over the next 40 years
white adventurous immigrant
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
Snowy razzmatazz business firm
  02/07/14
...
Razzle ticket booth
  02/07/14
Compare the demographics, foreign competition, and regulator...
white adventurous immigrant
  12/10/14
...
white adventurous immigrant
  04/18/16
A true genius
white adventurous immigrant
  09/29/16
...
saffron aromatic trailer park
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
white adventurous immigrant
  04/18/16
Just do assume 12% returns for 45 years
green violent antidepressant drug coffee pot
  02/07/14
...
Razzle ticket booth
  02/07/14
CR incredibly retarded
white adventurous immigrant
  02/07/14
It doesn't change regardless of rate.
Snowy razzmatazz business firm
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
white adventurous immigrant
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
azure curious half-breed multi-billionaire
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
Haunting really tough guy
  02/07/14
...
Razzle ticket booth
  02/07/14
this will not be the case for the next 50 years
white adventurous immigrant
  02/07/14
(Suze Orman after a few too many glasses of wine)
Motley senate
  02/07/14
lol'd
crystalline beady-eyed site skinny woman
  04/18/16
haha
Useless Ruddy Pisswyrm
  09/29/16
...
Floppy sex offender
  02/20/17
...
Snowy razzmatazz business firm
  02/20/17
...
Ruby marvelous abode volcanic crater
  02/20/17
...
Wonderful preventive strike pit
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
seedy chocolate meetinghouse gunner
  02/07/14
...
Razzle ticket booth
  02/07/14
Not if returns were negative when/in the years immediately f...
seedy chocolate meetinghouse gunner
  02/07/14
...
Razzle ticket booth
  02/07/14
? All the hypo supposes is that you start investing in yo...
seedy chocolate meetinghouse gunner
  02/07/14
...
Razzle ticket booth
  02/07/14
YOUR personal rate of return is different from the market's ...
seedy chocolate meetinghouse gunner
  02/07/14
...
Razzle ticket booth
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
seedy chocolate meetinghouse gunner
  02/07/14
...
Razzle ticket booth
  02/07/14
you realize that to obtain the returns you stated above, one...
Dead international law enforcement agency prole
  02/07/14
...
Razzle ticket booth
  02/07/14
jfc why does she write shit like this
Brass Charismatic Garrison Organic Girlfriend
  07/09/17
This is true for everything ever.
Smoky property
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
Light rigpig area
  02/07/14
U r 36? LOLOL
excitant community account yarmulke
  02/07/14
34 but I put more money than $2000 per year in there.
Light rigpig area
  02/07/14
Damen. How does it feel to be literally half done with life?
excitant community account yarmulke
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
Light rigpig area
  02/07/14
Goal retirement age??
excitant community account yarmulke
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
Light rigpig area
  02/07/14
Any family pressure to get married??
excitant community account yarmulke
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
Light rigpig area
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
Mind-boggling unholy weed whacker
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
Stirring menage
  02/07/14
...
Razzle ticket booth
  02/07/14
Doctors are done here
excitant community account yarmulke
  02/07/14
...
Iridescent ceo set
  02/13/15
...
Shimmering rough-skinned gay wizard indian lodge
  02/20/17
...
Razzle-dazzle step-uncle's house
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
Light rigpig area
  02/07/14
What were u doing at 22?
excitant community account yarmulke
  02/07/14
crappy consulting firm do municipal bond analysis.
Light rigpig area
  02/07/14
you should've gone into finance, instead. you'd have a milli...
seedy chocolate meetinghouse gunner
  02/07/14
I was too lazy in college, but yeah would have been a good i...
Light rigpig area
  02/07/14
$38k was a decent starting salary in 1995...?
big-titted exhilarant tattoo juggernaut
  02/08/14
my gf doesn't even have a credit card. she's 24
red resort twinkling uncleanness
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
Odious cruise ship
  02/07/14
...
Razzle ticket booth
  02/07/14
yes arthur is fucked, ben pwns him
Odious cruise ship
  02/07/14
Twist: Arthur was swimming in student loan debt
Floppy sex offender
  02/07/14
...
offensive party of the first part
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
big cheese-eating jew hell
  02/07/14
...
Scarlet Arrogant Parlour
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
Maniacal Parlor
  02/07/14
True, the idea that investing early is a good idea sure didn...
big cheese-eating jew hell
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
Lascivious point athletic conference
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
Lascivious point athletic conference
  07/08/17
Right. The person who started investing earlier is still in ...
chrome pea-brained cuckold
  07/09/17
I think the more interesting hypo is a guy who starts invest...
Hairraiser Mahogany Circlehead
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
Scarlet Arrogant Parlour
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
Sticky Deranged Whorehouse Toilet Seat
  02/07/14
I still think it's more credited to maintain liquidity and i...
Nighttime thriller hospital associate
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
Light rigpig area
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
big cheese-eating jew hell
  02/07/14
(cgm)
Ultramarine Field
  02/07/14
What does this look like if you assume 6% returns?
Swashbuckling henna toaster coldplay fan
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
jade bateful shrine kitty cat
  02/08/14
...
Razzle ticket booth
  02/17/14
not really. my parents had very little just 20 years ago...
Diverse university filthpig
  02/08/14
...
Razzle ticket booth
  02/10/14
...
lavender house-broken stage
  07/08/17
So your telling me that if I make a lot of money ill do well...
Splenetic institution
  12/10/14
...
Razzle ticket booth
  05/14/14
...
Razzle ticket booth
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
Dun violent national
  12/10/14
...
Razzle ticket booth
  12/10/14
...
Razzle ticket booth
  02/13/15
this is retarded. for most of us, that would have meant soc...
Grizzly out-of-control headpube
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
Iridescent ceo set
  02/13/15
...
Razzle ticket booth
  02/13/15
we're in a bubble right now, so all of those figures are bul...
Grizzly out-of-control headpube
  02/13/15
...
Razzle ticket booth
  02/13/15
A year later after bitching in this thread, I have fucking $...
Light rigpig area
  02/13/15
...
Razzle ticket booth
  02/13/15
What has your APR been?
spectacular carnelian theatre useless brakes
  02/13/15
how much money did you have in cash on the sidelines from th...
Appetizing indecent doctorate turdskin
  02/13/15
...
Razzle ticket booth
  12/29/15
...
Razzle ticket booth
  04/18/16
I remember a teacher showing us this kind of chart back arou...
Impressive Free-loading Dilemma
  04/18/16
wise move
pink nubile scourge upon the earth
  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.
mentally impaired elastic band public bath
  04/18/16
...
Razzle ticket booth
  04/18/16
This is false and assumes one continues working a cookie-cut...
Diverse university filthpig
  04/18/16
just do >10% growth every year. worked for bernie madoff
Rose space voyeur
  04/18/16
This bort is retarded.
Snowy razzmatazz business firm
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
Sienna Kitchen
  04/18/16
...
Razzle ticket booth
  04/18/16
you pointed it out above several times, and each time you go...
Sienna Kitchen
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
fighting high-end heaven internal respiration
  04/18/16
The real reason this chart is dumb is because of inflation. ...
startled partner
  04/18/16
...
Razzle ticket booth
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
startled partner
  04/18/16
...
Razzle ticket booth
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
Vermilion Bonkers Messiness Bawdyhouse
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
self-absorbed sick theater stage fanboi
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
Crawly Dull Mother Church Building
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
slimy psychic range
  02/20/17
I agree generally that returns will be lower. But if you ask...
Crawly Dull Mother Church Building
  02/20/17
saving for retirement is flame. just slide and let do
transparent submissive mediation foreskin
  04/18/16
cr
Sienna Kitchen
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
Razzle-dazzle step-uncle's house
  09/29/16
...
Razzle ticket booth
  09/29/16
How do they get 10% retune every year
Racy Honey-headed Mood Wrinkle
  09/29/16
noob investor question, but isn't this idea kind of self per...
charcoal soggy mad-dog skullcap
  09/29/16
Student loan interest exceeds most investment returns so tha...
Dun violent national
  09/29/16
...
charcoal soggy mad-dog skullcap
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
clear electric fortuitous meteor national security agency
  02/20/17
...
clear electric fortuitous meteor national security agency
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
burgundy travel guidebook
  07/08/17
COMPOUND INT--*nuke melts face*
misanthropic plaza mexican
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
Avocado Elite Corn Cake Jap
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
misanthropic plaza mexican
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
Avocado Elite Corn Cake Jap
  07/08/17
(Not a rental property owner)
white adventurous immigrant
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
chrome pea-brained cuckold
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
clear electric fortuitous meteor national security agency
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
Avocado Elite Corn Cake Jap
  07/08/17
now show me the table for $300K at 8% in student loans
lemon soul-stirring school cafeteria legal warrant
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
Irradiated citrine address personal credit line
  07/08/17
...
Razzle-dazzle step-uncle's house
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
lemon soul-stirring school cafeteria legal warrant
  07/08/17
data entry
lavender house-broken stage
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
lemon soul-stirring school cafeteria legal warrant
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
lavender house-broken stage
  07/08/17
CR
Razzle-dazzle step-uncle's house
  07/08/17
Admin assistant
Razzle-dazzle step-uncle's house
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
lemon soul-stirring school cafeteria legal warrant
  07/08/17
According to the chart all you need to invest is like 2k a y...
Razzle-dazzle step-uncle's house
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
claret market old irish cottage
  07/08/17
things barzini knew and did that you did not for $200, alex
offensive party of the first part
  07/09/17
I think a much more sure bet is Social Security taxes being ...
Vibrant Flatulent Orchestra Pit
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
claret market old irish cottage
  07/08/17
Investment compounding is the single biggest scam the inve...
jade bateful shrine kitty cat
  07/09/17
...
Startling abusive shitlib background story
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
Wonderful preventive strike pit
  08/23/17
...
Razzle ticket booth
  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: Razzle ticket booth

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: Wine overrated locus

(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: trip talking lodge
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: excitant community account yarmulke

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: mustard nudist chapel new version



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: hideous emerald blood rage

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: Puce Blathering Love Of Her Life Church

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: Light rigpig area

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: brilliant double fault home

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: Razzle ticket booth



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Floppy sex offender

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: Dead international law enforcement agency prole

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: Floppy sex offender

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: concupiscible idiotic gas station



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: Pungent pale striped hyena stage



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: umber principal's office



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: Floppy sex offender



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: provocative zombie-like electric furnace hall



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: umber principal's office



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: Razzle ticket booth



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Floppy sex offender

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: Razzle ticket booth



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Floppy sex offender

(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: Floppy sex offender

(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: Floppy sex offender

(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: white adventurous immigrant

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: Snowy razzmatazz business firm

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: Razzle ticket booth



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: white adventurous immigrant

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: white adventurous immigrant



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: white adventurous immigrant

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: saffron aromatic trailer park



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: white adventurous immigrant

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: green violent antidepressant drug coffee pot

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: Razzle ticket booth



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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: white adventurous immigrant

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: Snowy razzmatazz business firm

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: white adventurous immigrant

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: azure curious half-breed multi-billionaire

(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: Haunting really tough guy

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: Razzle ticket booth



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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: white adventurous immigrant

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: Motley senate

(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: crystalline beady-eyed site skinny woman

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: Useless Ruddy Pisswyrm

haha

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



Reply Favorite

Date: February 20th, 2017 1:49 AM
Author: Floppy sex offender



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



Reply Favorite

Date: February 20th, 2017 8:38 AM
Author: Snowy razzmatazz business firm



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: Ruby marvelous abode volcanic crater



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: Wonderful preventive strike pit



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: seedy chocolate meetinghouse gunner

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: Razzle ticket booth



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: seedy chocolate meetinghouse gunner

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: Razzle ticket booth



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: seedy chocolate meetinghouse gunner

?

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: Razzle ticket booth



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: seedy chocolate meetinghouse gunner

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: Razzle ticket booth



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



Reply Favorite

Date: February 7th, 2014 4:13 PM
Author: seedy chocolate meetinghouse gunner

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: Razzle ticket booth



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



Reply Favorite

Date: February 7th, 2014 4:35 PM
Author: Dead international law enforcement agency prole

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: Razzle ticket booth



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



Reply Favorite

Date: July 9th, 2017 11:26 AM
Author: Brass Charismatic Garrison Organic Girlfriend

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: Smoky property

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: Light rigpig area

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: excitant community account yarmulke

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: Light rigpig area

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: excitant community account yarmulke

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: Light rigpig area

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: excitant community account yarmulke

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: Light rigpig area

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: excitant community account yarmulke

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: Light rigpig area

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: Mind-boggling unholy weed whacker

(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: Stirring menage

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: Razzle ticket booth



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: excitant community account yarmulke

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: Iridescent ceo set



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: Shimmering rough-skinned gay wizard indian lodge



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: Razzle-dazzle step-uncle's house



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: Light rigpig area

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: excitant community account yarmulke

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: Light rigpig area

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: seedy chocolate meetinghouse gunner

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: Light rigpig area

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: big-titted exhilarant tattoo juggernaut

$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 resort twinkling uncleanness

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: Odious cruise ship

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: Razzle ticket booth



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: Odious cruise ship

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: Floppy sex offender

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: offensive party of the first part



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



Reply Favorite

Date: February 7th, 2014 4:01 PM
Author: big cheese-eating jew hell

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: Scarlet Arrogant Parlour



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



Reply Favorite

Date: February 7th, 2014 4:08 PM
Author: Maniacal Parlor

*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: big cheese-eating jew hell

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: Lascivious point athletic conference

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: Lascivious point athletic conference

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: chrome pea-brained cuckold

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: Hairraiser Mahogany Circlehead

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: Scarlet Arrogant Parlour

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: Sticky Deranged Whorehouse Toilet Seat

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: Nighttime thriller hospital associate

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: Light rigpig area

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: big cheese-eating jew hell

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: Ultramarine Field

(cgm)

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



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: Swashbuckling henna toaster coldplay fan

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: jade bateful shrine kitty cat

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: Razzle ticket booth



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: Diverse university filthpig

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: Razzle ticket booth



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: lavender house-broken stage



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: Splenetic institution

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: Razzle ticket booth



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: Razzle ticket booth



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: Dun violent national

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: Razzle ticket booth



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: Razzle ticket booth



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: Grizzly out-of-control headpube

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: Iridescent ceo set

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: Razzle ticket booth



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: Grizzly out-of-control headpube

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: Razzle ticket booth



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: Light rigpig area

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: Razzle ticket booth



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



Reply Favorite

Date: February 13th, 2015 5:53 PM
Author: spectacular carnelian theatre useless brakes

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: Appetizing indecent doctorate turdskin

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: Razzle ticket booth



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



Reply Favorite

Date: April 18th, 2016 7:18 AM
Author: Razzle ticket booth



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



Reply Favorite

Date: April 18th, 2016 7:47 AM
Author: Impressive Free-loading Dilemma

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

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



Reply Favorite

Date: April 18th, 2016 8:17 AM
Author: pink nubile scourge upon the earth

wise move

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



Reply Favorite

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

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

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



Reply Favorite

Date: April 18th, 2016 7:49 AM
Author: mentally impaired elastic band public bath

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

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



Reply Favorite

Date: April 18th, 2016 9:40 AM
Author: Razzle ticket booth



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



Reply Favorite

Date: April 18th, 2016 7:50 AM
Author: Diverse university filthpig

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

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



Reply Favorite

Date: April 18th, 2016 8:51 AM
Author: Rose space voyeur

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

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



Reply Favorite

Date: April 18th, 2016 8:57 AM
Author: Snowy razzmatazz business firm

This bort is retarded.

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



Reply Favorite

Date: April 18th, 2016 9:04 AM
Author: Sienna Kitchen

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

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

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



Reply Favorite

Date: April 18th, 2016 9:41 AM
Author: Razzle ticket booth



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



Reply Favorite

Date: April 18th, 2016 10:04 AM
Author: Sienna Kitchen

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

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



Reply Favorite

Date: April 18th, 2016 9:20 AM
Author: fighting high-end heaven internal respiration

http://imgur.com/gnMx2MX

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

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



Reply Favorite

Date: April 18th, 2016 9:20 AM
Author: startled partner

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

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



Reply Favorite

Date: April 18th, 2016 9:45 AM
Author: Razzle ticket booth



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



Reply Favorite

Date: April 18th, 2016 9:50 AM
Author: startled partner

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

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



Reply Favorite

Date: April 18th, 2016 10:02 AM
Author: Razzle ticket booth



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



Reply Favorite

Date: July 8th, 2017 11:01 AM
Author: Vermilion Bonkers Messiness Bawdyhouse

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

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



Reply Favorite

Date: September 15th, 2023 11:41 AM
Author: self-absorbed sick theater stage fanboi

*assumes 3% inflation*

*fade in cannibal holocaust theme*

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



Reply Favorite

Date: April 18th, 2016 9:24 AM
Author: Crawly Dull Mother Church Building

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

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



Reply Favorite

Date: February 20th, 2017 3:10 AM
Author: slimy psychic range

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

401K = SCAMs

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



Reply Favorite

Date: February 20th, 2017 7:57 AM
Author: Crawly Dull Mother Church Building

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

Don't be a boomer, save your money.

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



Reply Favorite

Date: April 18th, 2016 9:57 AM
Author: transparent submissive mediation foreskin

saving for retirement is flame. just slide and let do

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



Reply Favorite

Date: April 18th, 2016 10:04 AM
Author: Sienna Kitchen

cr

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



Reply Favorite

Date: September 29th, 2016 10:24 AM
Author: Razzle-dazzle step-uncle's house

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

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



Reply Favorite

Date: September 29th, 2016 10:03 AM
Author: Razzle ticket booth



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



Reply Favorite

Date: September 29th, 2016 1:21 PM
Author: Racy Honey-headed Mood Wrinkle

How do they get 10% retune every year

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



Reply Favorite

Date: September 29th, 2016 2:04 PM
Author: charcoal soggy mad-dog skullcap

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

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

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



Reply Favorite

Date: September 29th, 2016 2:12 PM
Author: Dun violent national

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

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



Reply Favorite

Date: September 29th, 2016 4:48 PM
Author: charcoal soggy mad-dog skullcap



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



Reply Favorite

Date: February 20th, 2017 8:11 AM
Author: clear electric fortuitous meteor national security agency

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

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



Reply Favorite

Date: July 8th, 2017 9:32 AM
Author: clear electric fortuitous meteor national security agency



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



Reply Favorite

Date: July 8th, 2017 9:40 AM
Author: burgundy travel guidebook

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

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



Reply Favorite

Date: July 8th, 2017 9:46 AM
Author: misanthropic plaza mexican

COMPOUND INT--*nuke melts face*

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



Reply Favorite

Date: July 8th, 2017 9:50 AM
Author: Avocado Elite Corn Cake Jap

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

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



Reply Favorite

Date: July 8th, 2017 9:52 AM
Author: misanthropic plaza mexican

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

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



Reply Favorite

Date: July 8th, 2017 9:54 AM
Author: Avocado Elite Corn Cake Jap

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

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



Reply Favorite

Date: July 8th, 2017 10:16 AM
Author: white adventurous immigrant

(Not a rental property owner)

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



Reply Favorite

Date: July 9th, 2017 11:14 AM
Author: chrome pea-brained cuckold

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

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

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



Reply Favorite

Date: July 8th, 2017 10:05 AM
Author: clear electric fortuitous meteor national security agency

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

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



Reply Favorite

Date: July 8th, 2017 10:06 AM
Author: Avocado Elite Corn Cake Jap

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

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



Reply Favorite

Date: July 8th, 2017 12:06 PM
Author: lemon soul-stirring school cafeteria 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)



Reply Favorite

Date: July 8th, 2017 12:13 PM
Author: Irradiated citrine address personal credit line

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

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



Reply Favorite

Date: July 8th, 2017 12:28 PM
Author: Razzle-dazzle step-uncle's house



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



Reply Favorite

Date: July 8th, 2017 12:30 PM
Author: lemon soul-stirring school cafeteria 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)



Reply Favorite

Date: July 8th, 2017 12:32 PM
Author: lavender house-broken stage

data entry

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



Reply Favorite

Date: July 8th, 2017 12:46 PM
Author: lemon soul-stirring school cafeteria 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)



Reply Favorite

Date: July 8th, 2017 1:03 PM
Author: lavender house-broken stage

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

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



Reply Favorite

Date: July 8th, 2017 1:04 PM
Author: Razzle-dazzle step-uncle's house

CR

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



Reply Favorite

Date: July 8th, 2017 12:32 PM
Author: Razzle-dazzle step-uncle's house

Admin assistant

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



Reply Favorite

Date: July 8th, 2017 12:45 PM
Author: lemon soul-stirring school cafeteria 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)



Reply Favorite

Date: July 8th, 2017 12:57 PM
Author: Razzle-dazzle step-uncle's house

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

go be a front desk person/work as receptionist

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



Reply Favorite

Date: July 8th, 2017 1:26 PM
Author: claret market old irish cottage

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

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



Reply Favorite

Date: July 9th, 2017 11:10 AM
Author: offensive party of the first part

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

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



Reply Favorite

Date: July 8th, 2017 12:45 PM
Author: Vibrant Flatulent Orchestra Pit

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

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



Reply Favorite

Date: July 8th, 2017 1:27 PM
Author: claret market old irish cottage

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

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



Reply Favorite

Date: July 9th, 2017 11:21 AM
Author: jade bateful shrine kitty cat

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

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

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



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



Reply Favorite

Date: August 22nd, 2017 7:26 PM
Author: Startling abusive shitlib background story



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



Reply Favorite

Date: August 23rd, 2017 11:19 AM
Author: Wonderful preventive strike pit

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

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



Reply Favorite

Date: September 15th, 2023 11:28 AM
Author: Razzle ticket booth



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



Reply Favorite

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)



Reply Favorite

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

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

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



Reply Favorite

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



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