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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...
dead tanning salon
  02/07/14
(Dave Ramsey)
Amethyst Disgusting National
  12/10/14
Germany bull
sticky philosopher-king church building
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
sadistic lascivious heaven
  02/07/14
...
Plum yarmulke
  02/08/14
yep
Passionate Cruise Ship International Law Enforcement Agency
  02/07/14
what is the apr on this
Translucent Floppy Library Circlehead
  02/07/14
12% lol.
deranged office faggotry
  02/07/14
fucking boomers
laughsome slap-happy trump supporter
  02/07/14
...
may his bones be crushed
  04/13/26
...
dead tanning salon
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
Sable school
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
angry unholy principal's office candlestick maker
  02/07/14
180
Sable school
  02/07/14
...
Histrionic piazza
  02/08/14
...
Puce Stimulating Institution
  02/13/15
...
Navy native
  04/18/16
...
Sable school
  02/20/17
...
internet-worthy heady sanctuary cuck
  02/20/17
...
Navy native
  07/08/17
...
dead tanning salon
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
Sable school
  02/07/14
...
dead tanning salon
  02/07/14
(guy who recently watched The Secret)
Sable school
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
Sable school
  02/07/14
(Boomer in 2006 buying third investment property)
Sable school
  02/07/14
this will not occur over the next 40 years
Pontificating Kitty Pervert
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
dashing chest-beating state personal credit line
  02/07/14
...
dead tanning salon
  02/07/14
Compare the demographics, foreign competition, and regulator...
Pontificating Kitty Pervert
  12/10/14
...
Pontificating Kitty Pervert
  04/18/16
A true genius
Pontificating Kitty Pervert
  09/29/16
...
indecent mildly autistic stage
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
Pontificating Kitty Pervert
  04/18/16
Just do assume 12% returns for 45 years
beady-eyed federal factory reset button
  02/07/14
...
dead tanning salon
  02/07/14
CR incredibly retarded
Pontificating Kitty Pervert
  02/07/14
It doesn't change regardless of rate.
dashing chest-beating state personal credit line
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
Pontificating Kitty Pervert
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
swollen theater striped hyena
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
Swashbuckling Kitty Cat
  02/07/14
...
dead tanning salon
  02/07/14
this will not be the case for the next 50 years
Pontificating Kitty Pervert
  02/07/14
(Suze Orman after a few too many glasses of wine)
Wonderful nibblets
  02/07/14
lol'd
exhilarant university
  04/18/16
haha
Demanding saffron ticket booth
  09/29/16
...
Sable school
  02/20/17
...
dashing chest-beating state personal credit line
  02/20/17
...
Soul-stirring menage french chef
  02/20/17
...
Concupiscible cerise rigpig step-uncle's house
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
glittery windowlicker cuckold
  02/07/14
...
dead tanning salon
  02/07/14
Not if returns were negative when/in the years immediately f...
glittery windowlicker cuckold
  02/07/14
...
dead tanning salon
  02/07/14
? All the hypo supposes is that you start investing in yo...
glittery windowlicker cuckold
  02/07/14
...
dead tanning salon
  02/07/14
YOUR personal rate of return is different from the market's ...
glittery windowlicker cuckold
  02/07/14
...
dead tanning salon
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
glittery windowlicker cuckold
  02/07/14
...
dead tanning salon
  02/07/14
you realize that to obtain the returns you stated above, one...
angry unholy principal's office candlestick maker
  02/07/14
...
dead tanning salon
  02/07/14
jfc why does she write shit like this
Nudist blathering queen of the night
  07/09/17
This is true for everything ever.
cerebral station
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
deranged office faggotry
  02/07/14
U r 36? LOLOL
sadistic lascivious heaven
  02/07/14
34 but I put more money than $2000 per year in there.
deranged office faggotry
  02/07/14
Damen. How does it feel to be literally half done with life?
sadistic lascivious heaven
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
deranged office faggotry
  02/07/14
Goal retirement age??
sadistic lascivious heaven
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
deranged office faggotry
  02/07/14
Any family pressure to get married??
sadistic lascivious heaven
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
deranged office faggotry
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
scarlet hell
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
shaky sepia trailer park sex offender
  02/07/14
...
dead tanning salon
  02/07/14
Doctors are done here
sadistic lascivious heaven
  02/07/14
...
insane church
  02/13/15
...
Slippery digit ratio
  02/20/17
...
Erotic big juggernaut stock car
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
deranged office faggotry
  02/07/14
What were u doing at 22?
sadistic lascivious heaven
  02/07/14
crappy consulting firm do municipal bond analysis.
deranged office faggotry
  02/07/14
you should've gone into finance, instead. you'd have a milli...
glittery windowlicker cuckold
  02/07/14
I was too lazy in college, but yeah would have been a good i...
deranged office faggotry
  02/07/14
$38k was a decent starting salary in 1995...?
ruddy provocative foreskin
  02/08/14
my gf doesn't even have a credit card. she's 24
Ocher Marvelous Mexican
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
Salmon Offensive Persian
  02/07/14
...
dead tanning salon
  02/07/14
yes arthur is fucked, ben pwns him
Salmon Offensive Persian
  02/07/14
Twist: Arthur was swimming in student loan debt
Sable school
  02/07/14
...
Hairraiser bespoke elastic band
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
aromatic coral useless brakes abode
  02/07/14
...
Seedy Multi-billionaire Set
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
infuriating bearded ladyboy gas station
  02/07/14
True, the idea that investing early is a good idea sure didn...
aromatic coral useless brakes abode
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
Chocolate mischievous home gay wizard
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
Chocolate mischievous home gay wizard
  07/08/17
Right. The person who started investing earlier is still in ...
supple narrow-minded dingle berry karate
  07/09/17
I think the more interesting hypo is a guy who starts invest...
razzle-dazzle box office incel
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
Seedy Multi-billionaire Set
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
naked rigor
  02/07/14
I still think it's more credited to maintain liquidity and i...
Balding Idiot Prole
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
deranged office faggotry
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
aromatic coral useless brakes abode
  02/07/14
(cgm)
Motley community account corner
  02/07/14
What does this look like if you assume 6% returns?
stirring sickened parlor jew
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
Drunken Genital Piercing
  02/08/14
...
dead tanning salon
  02/17/14
not really. my parents had very little just 20 years ago...
Insanely creepy transparent public bath macaca
  02/08/14
...
dead tanning salon
  02/10/14
...
Haunting stubborn market
  07/08/17
So your telling me that if I make a lot of money ill do well...
Bearded voyeur
  12/10/14
...
dead tanning salon
  05/14/14
...
dead tanning salon
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
bisexual resort
  12/10/14
...
dead tanning salon
  12/10/14
...
dead tanning salon
  02/13/15
this is retarded. for most of us, that would have meant soc...
yellow comical area
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
insane church
  02/13/15
...
dead tanning salon
  02/13/15
we're in a bubble right now, so all of those figures are bul...
yellow comical area
  02/13/15
...
dead tanning salon
  02/13/15
A year later after bitching in this thread, I have fucking $...
deranged office faggotry
  02/13/15
...
dead tanning salon
  02/13/15
What has your APR been?
ultramarine lay masturbator
  02/13/15
how much money did you have in cash on the sidelines from th...
spectacular irate affirmative action marketing idea
  02/13/15
...
dead tanning salon
  12/29/15
...
dead tanning salon
  04/18/16
I remember a teacher showing us this kind of chart back arou...
umber base mental disorder
  04/18/16
wise move
violent background story round eye
  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.
Out-of-control yapping goal in life skinny woman
  04/18/16
...
dead tanning salon
  04/18/16
This is false and assumes one continues working a cookie-cut...
Insanely creepy transparent public bath macaca
  04/18/16
just do >10% growth every year. worked for bernie madoff
Sienna excitant sound barrier old irish cottage
  04/18/16
This bort is retarded.
dashing chest-beating state personal credit line
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
White flirting haunted graveyard house
  04/18/16
...
dead tanning salon
  04/18/16
you pointed it out above several times, and each time you go...
White flirting haunted graveyard house
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
Fragrant zombie-like kitchen
  04/18/16
The real reason this chart is dumb is because of inflation. ...
nubile locale love of her life
  04/18/16
...
dead tanning salon
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
nubile locale love of her life
  04/18/16
...
dead tanning salon
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
brilliant electric locus really tough guy
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
Emerald anal sneaky criminal
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
Primrose autistic range
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
frozen vibrant pisswyrm legend
  02/20/17
I agree generally that returns will be lower. But if you ask...
Primrose autistic range
  02/20/17
saving for retirement is flame. just slide and let do
peach talented dragon site
  04/18/16
cr
White flirting haunted graveyard house
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
Erotic big juggernaut stock car
  09/29/16
...
dead tanning salon
  09/29/16
How do they get 10% retune every year
chestnut private investor antidepressant drug
  09/29/16
noob investor question, but isn't this idea kind of self per...
curious self-absorbed point
  09/29/16
Student loan interest exceeds most investment returns so tha...
bisexual resort
  09/29/16
...
curious self-absorbed point
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
Bull Headed Casino Sweet Tailpipe
  02/20/17
...
Bull Headed Casino Sweet Tailpipe
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
Razzle metal stage
  07/08/17
COMPOUND INT--*nuke melts face*
spruce indian lodge
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
rusted medicated electric furnace corn cake
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
spruce indian lodge
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
rusted medicated electric furnace corn cake
  07/08/17
(Not a rental property owner)
Pontificating Kitty Pervert
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
supple narrow-minded dingle berry karate
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
Bull Headed Casino Sweet Tailpipe
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
rusted medicated electric furnace corn cake
  07/08/17
now show me the table for $300K at 8% in student loans
mind-boggling nursing home
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
Contagious depressive
  07/08/17
...
Erotic big juggernaut stock car
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
mind-boggling nursing home
  07/08/17
data entry
Haunting stubborn market
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
mind-boggling nursing home
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
Haunting stubborn market
  07/08/17
CR
Erotic big juggernaut stock car
  07/08/17
Admin assistant
Erotic big juggernaut stock car
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
mind-boggling nursing home
  07/08/17
According to the chart all you need to invest is like 2k a y...
Erotic big juggernaut stock car
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
red big-titted space
  07/08/17
things barzini knew and did that you did not for $200, alex
Hairraiser bespoke elastic band
  07/09/17
I think a much more sure bet is Social Security taxes being ...
disrespectful tripping stead pozpig
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
red big-titted space
  07/08/17
Investment compounding is the single biggest scam the inve...
Drunken Genital Piercing
  07/09/17
...
Topaz center scourge upon the earth
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
Concupiscible cerise rigpig step-uncle's house
  08/23/17
...
dead tanning salon
  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: dead tanning salon

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: Amethyst Disgusting National

(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: sticky philosopher-king church building
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: sadistic lascivious heaven

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: Plum yarmulke



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: Passionate Cruise Ship International Law Enforcement Agency

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: Translucent Floppy Library Circlehead

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: deranged office faggotry

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: laughsome slap-happy trump supporter

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: dead tanning salon



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Sable school

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: angry unholy principal's office candlestick maker

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: Sable school

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: Histrionic piazza



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: Puce Stimulating Institution



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: Navy native



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: Sable school



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: internet-worthy heady sanctuary cuck



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: Navy native



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: dead tanning salon



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



Reply Favorite

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

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: dead tanning salon



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Sable school

(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: Sable school

(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: Sable school

(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: Pontificating Kitty Pervert

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: dashing chest-beating state personal credit line

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: dead tanning salon



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: Pontificating Kitty Pervert

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: Pontificating Kitty Pervert



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: Pontificating Kitty Pervert

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: indecent mildly autistic stage



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: Pontificating Kitty Pervert

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: beady-eyed federal factory reset button

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: dead tanning salon



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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: Pontificating Kitty Pervert

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: dashing chest-beating state personal credit line

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: Pontificating Kitty Pervert

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: swollen theater striped hyena

(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: Swashbuckling Kitty Cat

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: dead tanning salon



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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: Pontificating Kitty Pervert

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: Wonderful nibblets

(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: exhilarant university

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: Demanding saffron ticket booth

haha

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



Reply Favorite

Date: February 20th, 2017 1:49 AM
Author: Sable school



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



Reply Favorite

Date: February 20th, 2017 8:38 AM
Author: dashing chest-beating state personal credit line



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: Soul-stirring menage french chef



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: Concupiscible cerise rigpig step-uncle's house



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: glittery windowlicker cuckold

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: dead tanning salon



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: glittery windowlicker cuckold

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: dead tanning salon



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: glittery windowlicker cuckold

?

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: dead tanning salon



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: glittery windowlicker cuckold

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: dead tanning salon



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



Reply Favorite

Date: February 7th, 2014 4:13 PM
Author: glittery windowlicker cuckold

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: dead tanning salon



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



Reply Favorite

Date: February 7th, 2014 4:35 PM
Author: angry unholy principal's office candlestick maker

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: dead tanning salon



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



Reply Favorite

Date: July 9th, 2017 11:26 AM
Author: Nudist blathering queen of the night

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: cerebral station

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: deranged office faggotry

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: sadistic lascivious heaven

U r 36? LOLOL

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



Reply Favorite

Date: February 7th, 2014 3:31 PM
Author: deranged office faggotry

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: sadistic lascivious heaven

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: deranged office faggotry

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: sadistic lascivious heaven

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: deranged office faggotry

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: sadistic lascivious heaven

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: deranged office faggotry

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: scarlet hell

(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: shaky sepia trailer park sex offender

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: dead tanning salon



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: sadistic lascivious heaven

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: insane church



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: Slippery digit ratio



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: Erotic big juggernaut stock car



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: deranged office faggotry

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: sadistic lascivious heaven

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: deranged office faggotry

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: glittery windowlicker cuckold

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: deranged office faggotry

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: ruddy provocative foreskin

$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: Ocher Marvelous Mexican

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: Salmon Offensive Persian

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: dead tanning salon



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: Salmon Offensive Persian

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: Sable school

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: Hairraiser bespoke elastic band



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



Reply Favorite

Date: February 7th, 2014 4:01 PM
Author: aromatic coral useless brakes abode

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: Seedy Multi-billionaire Set



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



Reply Favorite

Date: February 7th, 2014 4:08 PM
Author: infuriating bearded ladyboy gas station

*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: aromatic coral useless brakes abode

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: Chocolate mischievous home gay wizard

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: Chocolate mischievous home gay wizard

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: supple narrow-minded dingle berry karate

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: razzle-dazzle box office incel

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: Seedy Multi-billionaire Set

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: naked rigor

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: Balding Idiot Prole

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: deranged office faggotry

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: aromatic coral useless brakes abode

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: Motley community account corner

(cgm)

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



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: stirring sickened parlor jew

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: Drunken Genital Piercing

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: dead tanning salon



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: Insanely creepy transparent public bath macaca

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: dead tanning salon



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: Haunting stubborn market



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: Bearded voyeur

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: dead tanning salon



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: dead tanning salon



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: bisexual resort

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: dead tanning salon



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: dead tanning salon



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: yellow comical area

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: insane church

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: dead tanning salon



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: yellow comical area

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: dead tanning salon



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: deranged office faggotry

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: dead tanning salon



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



Reply Favorite

Date: February 13th, 2015 5:53 PM
Author: ultramarine lay masturbator

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: spectacular irate affirmative action marketing idea

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: dead tanning salon



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



Reply Favorite

Date: April 18th, 2016 7:18 AM
Author: dead tanning salon



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



Reply Favorite

Date: April 18th, 2016 7:47 AM
Author: umber base mental disorder

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: violent background story round eye

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: Out-of-control yapping goal in life skinny woman

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: dead tanning salon



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



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Date: April 18th, 2016 7:50 AM
Author: Insanely creepy transparent public bath macaca

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: Sienna excitant sound barrier old irish cottage

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: dashing chest-beating state personal credit line

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: White flirting haunted graveyard house

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: dead tanning salon



(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: White flirting haunted graveyard house

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: Fragrant zombie-like kitchen

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: nubile locale love of her life

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: dead tanning salon



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



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Date: April 18th, 2016 9:50 AM
Author: nubile locale love of her life

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: dead tanning salon



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



Reply Favorite

Date: July 8th, 2017 11:01 AM
Author: brilliant electric locus really tough guy

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: Emerald anal sneaky criminal

*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: Primrose autistic range

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: frozen vibrant pisswyrm legend

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: Primrose autistic range

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: peach talented dragon site

saving for retirement is flame. just slide and let do

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



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Date: April 18th, 2016 10:04 AM
Author: White flirting haunted graveyard house

cr

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



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Date: September 29th, 2016 10:24 AM
Author: Erotic big juggernaut stock car

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: dead tanning salon



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



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Date: September 29th, 2016 1:21 PM
Author: chestnut private investor antidepressant drug

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: curious self-absorbed point

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: bisexual resort

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: curious self-absorbed point



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



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Date: February 20th, 2017 8:11 AM
Author: Bull Headed Casino Sweet Tailpipe

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: Bull Headed Casino Sweet Tailpipe



(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: Razzle metal stage

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: spruce indian lodge

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: rusted medicated electric furnace corn cake

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)



Reply Favorite

Date: July 8th, 2017 9:52 AM
Author: spruce indian lodge

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: rusted medicated electric furnace corn cake

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: Pontificating Kitty Pervert

(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: supple narrow-minded dingle berry karate

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)



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Date: July 8th, 2017 10:05 AM
Author: Bull Headed Casino Sweet Tailpipe

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: rusted medicated electric furnace corn cake

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: mind-boggling nursing home

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: Contagious depressive

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: Erotic big juggernaut stock car



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



Reply Favorite

Date: July 8th, 2017 12:30 PM
Author: mind-boggling nursing home

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: Haunting stubborn market

data entry

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



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Date: July 8th, 2017 12:46 PM
Author: mind-boggling nursing home

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: Haunting stubborn market

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: Erotic big juggernaut stock car

CR

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



Reply Favorite

Date: July 8th, 2017 12:32 PM
Author: Erotic big juggernaut stock car

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: mind-boggling nursing home

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: Erotic big juggernaut stock car

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: red big-titted space

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: Hairraiser bespoke elastic band

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: disrespectful tripping stead pozpig

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: red big-titted space

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: Drunken Genital Piercing

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: Topaz center scourge upon the earth



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



Reply Favorite

Date: August 23rd, 2017 11:19 AM
Author: Concupiscible cerise rigpig step-uncle's house

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: dead tanning salon



(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)