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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...
Sexy roommate
  02/07/14
(Dave Ramsey)
Aphrodisiac judgmental shitlib whorehouse
  12/10/14
Germany bull
Drab Nudist Piazza
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
erotic alpha messiness
  02/07/14
...
embarrassed to the bone pocket flask
  02/08/14
yep
Drunken Gay Wizard Lodge
  02/07/14
what is the apr on this
Angry indirect expression step-uncle's house
  02/07/14
12% lol.
insecure anal pit marketing idea
  02/07/14
fucking boomers
gay at-the-ready dilemma affirmative action
  02/07/14
...
may his bones be crushed
  04/13/26
...
Sexy roommate
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
Irradiated infuriating prole
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
glassy vivacious boiling water
  02/07/14
180
Irradiated infuriating prole
  02/07/14
...
Boyish elastic band
  02/08/14
...
Pontificating school cafeteria
  02/13/15
...
Excitant background story
  04/18/16
...
Irradiated infuriating prole
  02/20/17
...
Canary roast beef
  02/20/17
...
Excitant background story
  07/08/17
...
Sexy roommate
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
Irradiated infuriating prole
  02/07/14
...
Sexy roommate
  02/07/14
(guy who recently watched The Secret)
Irradiated infuriating prole
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
Irradiated infuriating prole
  02/07/14
(Boomer in 2006 buying third investment property)
Irradiated infuriating prole
  02/07/14
this will not occur over the next 40 years
Appetizing awkward space
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
pungent white set fat ankles
  02/07/14
...
Sexy roommate
  02/07/14
Compare the demographics, foreign competition, and regulator...
Appetizing awkward space
  12/10/14
...
Appetizing awkward space
  04/18/16
A true genius
Appetizing awkward space
  09/29/16
...
fantasy-prone plaza mother
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
Appetizing awkward space
  04/18/16
Just do assume 12% returns for 45 years
fragrant ticket booth
  02/07/14
...
Sexy roommate
  02/07/14
CR incredibly retarded
Appetizing awkward space
  02/07/14
It doesn't change regardless of rate.
pungent white set fat ankles
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
Appetizing awkward space
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
Concupiscible black woman
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
Frozen Magical Station Useless Brakes
  02/07/14
...
Sexy roommate
  02/07/14
this will not be the case for the next 50 years
Appetizing awkward space
  02/07/14
(Suze Orman after a few too many glasses of wine)
Spruce abode
  02/07/14
lol'd
Demanding site weed whacker
  04/18/16
haha
sickened house-broken shrine
  09/29/16
...
Irradiated infuriating prole
  02/20/17
...
pungent white set fat ankles
  02/20/17
...
talented thirsty filthpig doctorate
  02/20/17
...
lavender impressive immigrant
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
Mustard french pisswyrm international law enforcement agency
  02/07/14
...
Sexy roommate
  02/07/14
Not if returns were negative when/in the years immediately f...
Mustard french pisswyrm international law enforcement agency
  02/07/14
...
Sexy roommate
  02/07/14
? All the hypo supposes is that you start investing in yo...
Mustard french pisswyrm international law enforcement agency
  02/07/14
...
Sexy roommate
  02/07/14
YOUR personal rate of return is different from the market's ...
Mustard french pisswyrm international law enforcement agency
  02/07/14
...
Sexy roommate
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
Mustard french pisswyrm international law enforcement agency
  02/07/14
...
Sexy roommate
  02/07/14
you realize that to obtain the returns you stated above, one...
glassy vivacious boiling water
  02/07/14
...
Sexy roommate
  02/07/14
jfc why does she write shit like this
High-end Cerebral Love Of Her Life
  07/09/17
This is true for everything ever.
provocative obsidian address
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
insecure anal pit marketing idea
  02/07/14
U r 36? LOLOL
erotic alpha messiness
  02/07/14
34 but I put more money than $2000 per year in there.
insecure anal pit marketing idea
  02/07/14
Damen. How does it feel to be literally half done with life?
erotic alpha messiness
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
insecure anal pit marketing idea
  02/07/14
Goal retirement age??
erotic alpha messiness
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
insecure anal pit marketing idea
  02/07/14
Any family pressure to get married??
erotic alpha messiness
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
insecure anal pit marketing idea
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
180 mediation
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
aquamarine school mad-dog skullcap
  02/07/14
...
Sexy roommate
  02/07/14
Doctors are done here
erotic alpha messiness
  02/07/14
...
Racy bat shit crazy goal in life temple
  02/13/15
...
plum low-t dog poop native
  02/20/17
...
contagious stage
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
insecure anal pit marketing idea
  02/07/14
What were u doing at 22?
erotic alpha messiness
  02/07/14
crappy consulting firm do municipal bond analysis.
insecure anal pit marketing idea
  02/07/14
you should've gone into finance, instead. you'd have a milli...
Mustard french pisswyrm international law enforcement agency
  02/07/14
I was too lazy in college, but yeah would have been a good i...
insecure anal pit marketing idea
  02/07/14
$38k was a decent starting salary in 1995...?
wonderful son of senegal
  02/08/14
my gf doesn't even have a credit card. she's 24
Exhilarant seedy meetinghouse
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
heady public bath candlestick maker
  02/07/14
...
Sexy roommate
  02/07/14
yes arthur is fucked, ben pwns him
heady public bath candlestick maker
  02/07/14
Twist: Arthur was swimming in student loan debt
Irradiated infuriating prole
  02/07/14
...
Maize gaped place of business windowlicker
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
Curious knife quadroon
  02/07/14
...
spectacular karate codepig
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
onyx indian lodge puppy
  02/07/14
True, the idea that investing early is a good idea sure didn...
Curious knife quadroon
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
dashing olive hall
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
dashing olive hall
  07/08/17
Right. The person who started investing earlier is still in ...
odious opaque pozpig trump supporter
  07/09/17
I think the more interesting hypo is a guy who starts invest...
henna charismatic national
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
spectacular karate codepig
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
free-loading tattoo
  02/07/14
I still think it's more credited to maintain liquidity and i...
duck-like location
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
insecure anal pit marketing idea
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
Curious knife quadroon
  02/07/14
(cgm)
Vigorous Menage
  02/07/14
What does this look like if you assume 6% returns?
iridescent swashbuckling hell faggot firefighter
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
thriller hideous crackhouse sneaky criminal
  02/08/14
...
Sexy roommate
  02/17/14
not really. my parents had very little just 20 years ago...
mewling misunderstood library
  02/08/14
...
Sexy roommate
  02/10/14
...
sinister razzmatazz casino
  07/08/17
So your telling me that if I make a lot of money ill do well...
Dull histrionic institution
  12/10/14
...
Sexy roommate
  05/14/14
...
Sexy roommate
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
dark electric business firm
  12/10/14
...
Sexy roommate
  12/10/14
...
Sexy roommate
  02/13/15
this is retarded. for most of us, that would have meant soc...
navy nursing home chad
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
Racy bat shit crazy goal in life temple
  02/13/15
...
Sexy roommate
  02/13/15
we're in a bubble right now, so all of those figures are bul...
navy nursing home chad
  02/13/15
...
Sexy roommate
  02/13/15
A year later after bitching in this thread, I have fucking $...
insecure anal pit marketing idea
  02/13/15
...
Sexy roommate
  02/13/15
What has your APR been?
talking stag film becky
  02/13/15
how much money did you have in cash on the sidelines from th...
Rebellious round eye sanctuary
  02/13/15
...
Sexy roommate
  12/29/15
...
Sexy roommate
  04/18/16
I remember a teacher showing us this kind of chart back arou...
startling box office telephone
  04/18/16
wise move
kink-friendly cocky theatre jap
  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.
Indigo shaky resort
  04/18/16
...
Sexy roommate
  04/18/16
This is false and assumes one continues working a cookie-cut...
mewling misunderstood library
  04/18/16
just do >10% growth every year. worked for bernie madoff
Vermilion wild partner french chef
  04/18/16
This bort is retarded.
pungent white set fat ankles
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
zippy brunch
  04/18/16
...
Sexy roommate
  04/18/16
you pointed it out above several times, and each time you go...
zippy brunch
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
Multi-colored orchid church building
  04/18/16
The real reason this chart is dumb is because of inflation. ...
exciting chestnut spot internal respiration
  04/18/16
...
Sexy roommate
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
exciting chestnut spot internal respiration
  04/18/16
...
Sexy roommate
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
Puce supple rigor volcanic crater
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
cheese-eating garnet orchestra pit
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
self-centered arousing theater water buffalo
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
bistre laughsome newt parlor
  02/20/17
I agree generally that returns will be lower. But if you ask...
self-centered arousing theater water buffalo
  02/20/17
saving for retirement is flame. just slide and let do
fishy balding faggotry nowag
  04/18/16
cr
zippy brunch
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
contagious stage
  09/29/16
...
Sexy roommate
  09/29/16
How do they get 10% retune every year
Emerald Persian
  09/29/16
noob investor question, but isn't this idea kind of self per...
maroon half-breed heaven
  09/29/16
Student loan interest exceeds most investment returns so tha...
dark electric business firm
  09/29/16
...
maroon half-breed heaven
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
avocado confused center
  02/20/17
...
avocado confused center
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
costumed stead travel guidebook
  07/08/17
COMPOUND INT--*nuke melts face*
Gold Floppy Brethren
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
Yapping Gunner
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
Gold Floppy Brethren
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
Yapping Gunner
  07/08/17
(Not a rental property owner)
Appetizing awkward space
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
odious opaque pozpig trump supporter
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
avocado confused center
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
Yapping Gunner
  07/08/17
now show me the table for $300K at 8% in student loans
greedy bearded pervert private investor
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
useless antidepressant drug tanning salon
  07/08/17
...
contagious stage
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
greedy bearded pervert private investor
  07/08/17
data entry
sinister razzmatazz casino
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
greedy bearded pervert private investor
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
sinister razzmatazz casino
  07/08/17
CR
contagious stage
  07/08/17
Admin assistant
contagious stage
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
greedy bearded pervert private investor
  07/08/17
According to the chart all you need to invest is like 2k a y...
contagious stage
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
Bateful Regret
  07/08/17
things barzini knew and did that you did not for $200, alex
Maize gaped place of business windowlicker
  07/09/17
I think a much more sure bet is Social Security taxes being ...
Bronze unhinged area therapy
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
Bateful Regret
  07/08/17
Investment compounding is the single biggest scam the inve...
thriller hideous crackhouse sneaky criminal
  07/09/17
...
big green clown legend
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
lavender impressive immigrant
  08/23/17
...
Sexy roommate
  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: Sexy roommate

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

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



Reply Favorite

Date: December 10th, 2014 4:58 PM
Author: Aphrodisiac judgmental shitlib whorehouse

(Dave Ramsey)

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Elisa#26902444)



Reply Favorite

Date: September 15th, 2023 12:25 PM
Author: Drab Nudist Piazza
Subject: Germany bull

https://www.poerkan.com/product/germany-niubian-pills/

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Elisa#46800798)



Reply Favorite

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



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Elisa#49814664)



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: erotic alpha messiness

Brb transferring money to my roth

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Elisa#24973868)



Reply Favorite

Date: February 8th, 2014 10:44 AM
Author: embarrassed to the bone pocket flask



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: Drunken Gay Wizard Lodge

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: Angry indirect expression step-uncle's house

what is the apr on this

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Elisa#24973876)



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: insecure anal pit marketing idea

12% lol.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Elisa#24973888)



Reply Favorite

Date: February 7th, 2014 3:25 PM
Author: gay at-the-ready dilemma affirmative action

fucking boomers

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Elisa#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=2Elisa#49814662)



Reply Favorite

Date: February 7th, 2014 3:28 PM
Author: Sexy roommate



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Irradiated infuriating prole

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=2Elisa#24973943)



Reply Favorite

Date: February 7th, 2014 3:34 PM
Author: glassy vivacious boiling water

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=2Elisa#24973956)



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: Irradiated infuriating prole

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: Boyish elastic band



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: Pontificating school cafeteria



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: Excitant background story



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: Irradiated infuriating prole



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: Canary roast beef



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: Excitant background story



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: Sexy roommate



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Irradiated infuriating prole

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=2Elisa#24974015)



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: Sexy roommate



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Irradiated infuriating prole

(guy who recently watched The Secret)

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Elisa#24974037)



Reply Favorite

Date: February 7th, 2014 3:56 PM
Author: Irradiated infuriating prole

(Japanese broker encouraging you to buy the Nikkei in 1989)

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Elisa#24974074)



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: Irradiated infuriating prole

(Boomer in 2006 buying third investment property)

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Elisa#24974084)



Reply Favorite

Date: February 7th, 2014 3:59 PM
Author: Appetizing awkward space

this will not occur over the next 40 years

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Elisa#24974094)



Reply Favorite

Date: February 7th, 2014 4:36 PM
Author: pungent white set fat ankles

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=2Elisa#24974300)



Reply Favorite

Date: February 7th, 2014 4:40 PM
Author: Sexy roommate



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: Appetizing awkward space

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=2Elisa#26902473)



Reply Favorite

Date: April 18th, 2016 9:12 AM
Author: Appetizing awkward space



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: Appetizing awkward space

A true genius

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Elisa#31521448)



Reply Favorite

Date: April 18th, 2016 7:41 AM
Author: fantasy-prone plaza mother



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: Appetizing awkward space

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=2Elisa#30296264)



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: fragrant ticket booth

Just do assume 12% returns for 45 years

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Elisa#24973884)



Reply Favorite

Date: February 7th, 2014 3:29 PM
Author: Sexy roommate



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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: Appetizing awkward space

CR incredibly retarded

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Elisa#24974063)



Reply Favorite

Date: April 18th, 2016 8:57 AM
Author: pungent white set fat ankles

It doesn't change regardless of rate.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Elisa#30296224)



Reply Favorite

Date: April 18th, 2016 9:13 AM
Author: Appetizing awkward space

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

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



Reply Favorite

Date: February 20th, 2017 9:25 AM
Author: Concupiscible black woman

(finance genius)

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Elisa#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=2Elisa#49814641)



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Frozen Magical Station Useless Brakes

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=2Elisa#24973885)



Reply Favorite

Date: February 7th, 2014 3:29 PM
Author: Sexy roommate



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



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Date: February 7th, 2014 3:58 PM
Author: Appetizing awkward space

this will not be the case for the next 50 years



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Elisa#24974089)



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Spruce abode

(Suze Orman after a few too many glasses of wine)

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Elisa#24973886)



Reply Favorite

Date: April 18th, 2016 9:35 AM
Author: Demanding site weed whacker

lol'd

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Elisa#30296344)



Reply Favorite

Date: September 29th, 2016 10:24 AM
Author: sickened house-broken shrine

haha

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



Reply Favorite

Date: February 20th, 2017 1:49 AM
Author: Irradiated infuriating prole



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



Reply Favorite

Date: February 20th, 2017 8:38 AM
Author: pungent white set fat ankles



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: talented thirsty filthpig doctorate



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: lavender impressive immigrant



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



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Date: February 7th, 2014 3:23 PM
Author: Mustard french pisswyrm international law enforcement agency

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=2Elisa#24973892)



Reply Favorite

Date: February 7th, 2014 3:30 PM
Author: Sexy roommate



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



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Date: February 7th, 2014 3:33 PM
Author: Mustard french pisswyrm international law enforcement agency

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=2Elisa#24973941)



Reply Favorite

Date: February 7th, 2014 3:36 PM
Author: Sexy roommate



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: Mustard french pisswyrm international law enforcement agency

?

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=2Elisa#24973993)



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Sexy roommate



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



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Date: February 7th, 2014 3:47 PM
Author: Mustard french pisswyrm international law enforcement agency

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=2Elisa#24974038)



Reply Favorite

Date: February 7th, 2014 3:49 PM
Author: Sexy roommate



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



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Date: February 7th, 2014 4:13 PM
Author: Mustard french pisswyrm international law enforcement agency

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=2Elisa#24974177)



Reply Favorite

Date: February 7th, 2014 4:33 PM
Author: Sexy roommate



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



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Date: February 7th, 2014 4:35 PM
Author: glassy vivacious boiling water

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=2Elisa#24974293)



Reply Favorite

Date: February 7th, 2014 4:41 PM
Author: Sexy roommate



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



Reply Favorite

Date: July 9th, 2017 11:26 AM
Author: High-end Cerebral Love Of Her Life

jfc why does she write shit like this

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Elisa#33734246)



Reply Favorite

Date: September 29th, 2016 2:14 PM
Author: provocative obsidian address

This is true for everything ever.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Elisa#31521852)



Reply Favorite

Date: February 7th, 2014 3:25 PM
Author: insecure anal pit marketing idea

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=2Elisa#24973900)



Reply Favorite

Date: February 7th, 2014 3:30 PM
Author: erotic alpha messiness

U r 36? LOLOL

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Elisa#24973930)



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Date: February 7th, 2014 3:31 PM
Author: insecure anal pit marketing idea

34 but I put more money than $2000 per year in there.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Elisa#24973933)



Reply Favorite

Date: February 7th, 2014 3:36 PM
Author: erotic alpha messiness

Damen. How does it feel to be literally half done with life?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Elisa#24973972)



Reply Favorite

Date: February 7th, 2014 3:39 PM
Author: insecure anal pit marketing idea

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=2Elisa#24973988)



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: erotic alpha messiness

Goal retirement age??

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Elisa#24973997)



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: insecure anal pit marketing idea

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=2Elisa#24974009)



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: erotic alpha messiness

Any family pressure to get married??

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Elisa#24974022)



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: insecure anal pit marketing idea

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=2Elisa#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=2Elisa#49814674)



Reply Favorite

Date: February 7th, 2014 3:32 PM
Author: 180 mediation

(39-year-old, MAF troll)

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Elisa#24973935)



Reply Favorite

Date: February 7th, 2014 3:38 PM
Author: aquamarine school mad-dog skullcap

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=2Elisa#24973984)



Reply Favorite

Date: February 7th, 2014 3:39 PM
Author: Sexy roommate



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: erotic alpha messiness

Doctors are done here

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Elisa#24974011)



Reply Favorite

Date: February 13th, 2015 5:32 PM
Author: Racy bat shit crazy goal in life temple



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: plum low-t dog poop native



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: contagious stage



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: insecure anal pit marketing idea

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=2Elisa#24974025)



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: erotic alpha messiness

What were u doing at 22?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Elisa#24974035)



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: insecure anal pit marketing idea

crappy consulting firm do municipal bond analysis.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Elisa#24974067)



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: Mustard french pisswyrm international law enforcement agency

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=2Elisa#24974087)



Reply Favorite

Date: February 7th, 2014 3:59 PM
Author: insecure anal pit marketing idea

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=2Elisa#24974092)



Reply Favorite

Date: February 8th, 2014 10:36 AM
Author: wonderful son of senegal

$38k was a decent starting salary in 1995...?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Elisa#24977559)



Reply Favorite

Date: April 18th, 2016 9:49 AM
Author: Exhilarant seedy meetinghouse

my gf doesn't even have a credit card. she's 24

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Elisa#30296392)



Reply Favorite

Date: February 7th, 2014 3:48 PM
Author: heady public bath candlestick maker

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=2Elisa#24974041)



Reply Favorite

Date: February 7th, 2014 3:50 PM
Author: Sexy roommate



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: heady public bath candlestick maker

yes arthur is fucked, ben pwns him

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Elisa#24974080)



Reply Favorite

Date: February 7th, 2014 3:51 PM
Author: Irradiated infuriating prole

Twist: Arthur was swimming in student loan debt

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Elisa#24974053)



Reply Favorite

Date: February 13th, 2015 5:46 PM
Author: Maize gaped place of business windowlicker



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



Reply Favorite

Date: February 7th, 2014 4:01 PM
Author: Curious knife quadroon

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=2Elisa#24974098)



Reply Favorite

Date: February 8th, 2014 8:23 PM
Author: spectacular karate codepig



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



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Date: February 7th, 2014 4:08 PM
Author: onyx indian lodge puppy

*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=2Elisa#24974133)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: Curious knife quadroon

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=2Elisa#24974151)



Reply Favorite

Date: September 29th, 2016 1:14 PM
Author: dashing olive hall

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=2Elisa#31521424)



Reply Favorite

Date: July 8th, 2017 10:02 AM
Author: dashing olive hall

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=2Elisa#33727706)



Reply Favorite

Date: July 9th, 2017 10:45 AM
Author: odious opaque pozpig trump supporter

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=2Elisa#33734072)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: henna charismatic national

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=2Elisa#24974146)



Reply Favorite

Date: February 8th, 2014 8:23 PM
Author: spectacular karate codepig

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=2Elisa#24980361)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: free-loading tattoo

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=2Elisa#24974148)



Reply Favorite

Date: February 7th, 2014 4:11 PM
Author: duck-like location

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=2Elisa#24974156)



Reply Favorite

Date: February 7th, 2014 4:15 PM
Author: insecure anal pit marketing idea

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=2Elisa#24974195)



Reply Favorite

Date: February 7th, 2014 4:38 PM
Author: Curious knife quadroon

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=2Elisa#24974306)



Reply Favorite

Date: February 7th, 2014 4:58 PM
Author: Vigorous Menage

(cgm)

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



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: iridescent swashbuckling hell faggot firefighter

What does this look like if you assume 6% returns?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Elisa#24977572)



Reply Favorite

Date: February 8th, 2014 10:51 AM
Author: thriller hideous crackhouse sneaky criminal

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=2Elisa#24977600)



Reply Favorite

Date: February 17th, 2014 11:13 AM
Author: Sexy roommate



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: mewling misunderstood library

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=2Elisa#24977623)



Reply Favorite

Date: February 10th, 2014 2:32 PM
Author: Sexy roommate



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: sinister razzmatazz casino



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: Dull histrionic 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=2Elisa#26902507)



Reply Favorite

Date: May 14th, 2014 9:23 AM
Author: Sexy roommate



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: Sexy roommate



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: dark electric business firm

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=2Elisa#26902483)



Reply Favorite

Date: December 10th, 2014 5:10 PM
Author: Sexy roommate



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: Sexy roommate



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: navy nursing home chad

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=2Elisa#27309317)



Reply Favorite

Date: February 13th, 2015 5:35 PM
Author: Racy bat shit crazy goal in life temple

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=2Elisa#27309326)



Reply Favorite

Date: February 13th, 2015 5:36 PM
Author: Sexy roommate



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: navy nursing home chad

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=2Elisa#27309354)



Reply Favorite

Date: February 13th, 2015 5:50 PM
Author: Sexy roommate



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: insecure anal pit marketing idea

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=2Elisa#27309399)



Reply Favorite

Date: February 13th, 2015 5:52 PM
Author: Sexy roommate



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



Reply Favorite

Date: February 13th, 2015 5:53 PM
Author: talking stag film becky

What has your APR been?

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



Reply Favorite

Date: February 13th, 2015 6:18 PM
Author: Rebellious round eye sanctuary

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=2Elisa#27309632)



Reply Favorite

Date: December 29th, 2015 1:41 PM
Author: Sexy roommate



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



Reply Favorite

Date: April 18th, 2016 7:18 AM
Author: Sexy roommate



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



Reply Favorite

Date: April 18th, 2016 7:47 AM
Author: startling box office telephone

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=2Elisa#30296076)



Reply Favorite

Date: April 18th, 2016 8:17 AM
Author: kink-friendly cocky theatre jap

wise move

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



Reply Favorite

Date: April 18th, 2016 7:49 AM
Author: Indigo shaky resort

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

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



Reply Favorite

Date: April 18th, 2016 9:40 AM
Author: Sexy roommate



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



Reply Favorite

Date: April 18th, 2016 7:50 AM
Author: mewling misunderstood library

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=2Elisa#30296082)



Reply Favorite

Date: April 18th, 2016 8:51 AM
Author: Vermilion wild partner french chef

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

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



Reply Favorite

Date: April 18th, 2016 8:57 AM
Author: pungent white set fat ankles

This bort is retarded.

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



Reply Favorite

Date: April 18th, 2016 9:04 AM
Author: zippy brunch

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=2Elisa#30296237)



Reply Favorite

Date: April 18th, 2016 9:41 AM
Author: Sexy roommate



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



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Date: April 18th, 2016 10:04 AM
Author: zippy brunch

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=2Elisa#30296421)



Reply Favorite

Date: April 18th, 2016 9:20 AM
Author: Multi-colored orchid church building

http://imgur.com/gnMx2MX

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

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



Reply Favorite

Date: April 18th, 2016 9:20 AM
Author: exciting chestnut spot internal respiration

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=2Elisa#30296293)



Reply Favorite

Date: April 18th, 2016 9:45 AM
Author: Sexy roommate



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



Reply Favorite

Date: April 18th, 2016 9:50 AM
Author: exciting chestnut spot internal respiration

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=2Elisa#30296396)



Reply Favorite

Date: April 18th, 2016 10:02 AM
Author: Sexy roommate



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



Reply Favorite

Date: July 8th, 2017 11:01 AM
Author: Puce supple rigor volcanic crater

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

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



Reply Favorite

Date: September 15th, 2023 11:41 AM
Author: cheese-eating garnet orchestra pit

*assumes 3% inflation*

*fade in cannibal holocaust theme*

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



Reply Favorite

Date: April 18th, 2016 9:24 AM
Author: self-centered arousing theater water buffalo

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=2Elisa#30296303)



Reply Favorite

Date: February 20th, 2017 3:10 AM
Author: bistre laughsome newt parlor

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=2Elisa#32659870)



Reply Favorite

Date: February 20th, 2017 7:57 AM
Author: self-centered arousing theater water buffalo

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=2Elisa#32660046)



Reply Favorite

Date: April 18th, 2016 9:57 AM
Author: fishy balding faggotry nowag

saving for retirement is flame. just slide and let do

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



Reply Favorite

Date: April 18th, 2016 10:04 AM
Author: zippy brunch

cr

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



Reply Favorite

Date: September 29th, 2016 10:24 AM
Author: contagious stage

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

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



Reply Favorite

Date: September 29th, 2016 10:03 AM
Author: Sexy roommate



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



Reply Favorite

Date: September 29th, 2016 1:21 PM
Author: Emerald Persian

How do they get 10% retune every year

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



Reply Favorite

Date: September 29th, 2016 2:04 PM
Author: maroon half-breed heaven

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=2Elisa#31521755)



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Date: September 29th, 2016 2:12 PM
Author: dark electric business firm

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=2Elisa#31521840)



Reply Favorite

Date: September 29th, 2016 4:48 PM
Author: maroon half-breed heaven



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



Reply Favorite

Date: February 20th, 2017 8:11 AM
Author: avocado confused center

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=2Elisa#32660068)



Reply Favorite

Date: July 8th, 2017 9:32 AM
Author: avocado confused center



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



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

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

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



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Date: July 8th, 2017 9:46 AM
Author: Gold Floppy Brethren

COMPOUND INT--*nuke melts face*

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



Reply Favorite

Date: July 8th, 2017 9:50 AM
Author: Yapping Gunner

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=2Elisa#33727671)



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Date: July 8th, 2017 9:52 AM
Author: Gold Floppy Brethren

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=2Elisa#33727675)



Reply Favorite

Date: July 8th, 2017 9:54 AM
Author: Yapping Gunner

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=2Elisa#33727681)



Reply Favorite

Date: July 8th, 2017 10:16 AM
Author: Appetizing awkward space

(Not a rental property owner)

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



Reply Favorite

Date: July 9th, 2017 11:14 AM
Author: odious opaque pozpig trump supporter

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=2Elisa#33734178)



Reply Favorite

Date: July 8th, 2017 10:05 AM
Author: avocado confused center

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

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



Reply Favorite

Date: July 8th, 2017 10:06 AM
Author: Yapping Gunner

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=2Elisa#33727719)



Reply Favorite

Date: July 8th, 2017 12:06 PM
Author: greedy bearded pervert private investor

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

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



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Date: July 8th, 2017 12:13 PM
Author: useless antidepressant drug tanning salon

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=2Elisa#33728056)



Reply Favorite

Date: July 8th, 2017 12:28 PM
Author: contagious stage



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



Reply Favorite

Date: July 8th, 2017 12:30 PM
Author: greedy bearded pervert private investor

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=2Elisa#33728113)



Reply Favorite

Date: July 8th, 2017 12:32 PM
Author: sinister razzmatazz casino

data entry

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



Reply Favorite

Date: July 8th, 2017 12:46 PM
Author: greedy bearded pervert private investor

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=2Elisa#33728151)



Reply Favorite

Date: July 8th, 2017 1:03 PM
Author: sinister razzmatazz casino

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=2Elisa#33728219)



Reply Favorite

Date: July 8th, 2017 1:04 PM
Author: contagious stage

CR

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



Reply Favorite

Date: July 8th, 2017 12:32 PM
Author: contagious stage

Admin assistant

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



Reply Favorite

Date: July 8th, 2017 12:45 PM
Author: greedy bearded pervert private investor

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=2Elisa#33728148)



Reply Favorite

Date: July 8th, 2017 12:57 PM
Author: contagious stage

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=2Elisa#33728193)



Reply Favorite

Date: July 8th, 2017 1:26 PM
Author: Bateful Regret

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=2Elisa#33728308)



Reply Favorite

Date: July 9th, 2017 11:10 AM
Author: Maize gaped place of business windowlicker

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

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



Reply Favorite

Date: July 8th, 2017 12:45 PM
Author: Bronze unhinged area therapy

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=2Elisa#33728150)



Reply Favorite

Date: July 8th, 2017 1:27 PM
Author: Bateful Regret

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=2Elisa#33728311)



Reply Favorite

Date: July 9th, 2017 11:21 AM
Author: thriller hideous crackhouse sneaky criminal

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=2Elisa#33734215)



Reply Favorite

Date: August 22nd, 2017 7:26 PM
Author: big green clown legend



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



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Date: August 23rd, 2017 11:19 AM
Author: lavender impressive immigrant

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=2Elisa#34051890)



Reply Favorite

Date: September 15th, 2023 11:28 AM
Author: Sexy roommate



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



Reply Favorite

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



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