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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...
Glassy foreskin temple
  02/07/14
(Dave Ramsey)
comical hall indirect expression
  12/10/14
Germany bull
umber place of business sanctuary
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
Massive burgundy generalized bond
  02/07/14
...
indecent chapel
  02/08/14
yep
Impertinent Forum
  02/07/14
what is the apr on this
Bateful public bath giraffe
  02/07/14
12% lol.
french bawdyhouse
  02/07/14
fucking boomers
titillating garnet main people
  02/07/14
...
may his bones be crushed
  04/13/26
...
Glassy foreskin temple
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
heady smoky set
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
Duck-like zombie-like turdskin
  02/07/14
180
heady smoky set
  02/07/14
...
Fluffy Curious Legend Parlour
  02/08/14
...
peach supple regret property
  02/13/15
...
fuchsia station
  04/18/16
...
heady smoky set
  02/20/17
...
buff bespoke messiness
  02/20/17
...
fuchsia station
  07/08/17
...
Glassy foreskin temple
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
heady smoky set
  02/07/14
...
Glassy foreskin temple
  02/07/14
(guy who recently watched The Secret)
heady smoky set
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
heady smoky set
  02/07/14
(Boomer in 2006 buying third investment property)
heady smoky set
  02/07/14
this will not occur over the next 40 years
Slap-happy At-the-ready Sweet Tailpipe
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
doobsian theater stage mexican
  02/07/14
...
Glassy foreskin temple
  02/07/14
Compare the demographics, foreign competition, and regulator...
Slap-happy At-the-ready Sweet Tailpipe
  12/10/14
...
Slap-happy At-the-ready Sweet Tailpipe
  04/18/16
A true genius
Slap-happy At-the-ready Sweet Tailpipe
  09/29/16
...
Blue senate boistinker
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
Slap-happy At-the-ready Sweet Tailpipe
  04/18/16
Just do assume 12% returns for 45 years
light lascivious jewess
  02/07/14
...
Glassy foreskin temple
  02/07/14
CR incredibly retarded
Slap-happy At-the-ready Sweet Tailpipe
  02/07/14
It doesn't change regardless of rate.
doobsian theater stage mexican
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
Slap-happy At-the-ready Sweet Tailpipe
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
Cracking ungodly coffee pot
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
Snowy thriller headpube crotch
  02/07/14
...
Glassy foreskin temple
  02/07/14
this will not be the case for the next 50 years
Slap-happy At-the-ready Sweet Tailpipe
  02/07/14
(Suze Orman after a few too many glasses of wine)
Vivacious offensive abode
  02/07/14
lol'd
Amethyst theatre becky
  04/18/16
haha
iridescent range candlestick maker
  09/29/16
...
heady smoky set
  02/20/17
...
doobsian theater stage mexican
  02/20/17
...
Racy roommate pisswyrm
  02/20/17
...
odious carnelian ticket booth
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
Kink-friendly gas station internal respiration
  02/07/14
...
Glassy foreskin temple
  02/07/14
Not if returns were negative when/in the years immediately f...
Kink-friendly gas station internal respiration
  02/07/14
...
Glassy foreskin temple
  02/07/14
? All the hypo supposes is that you start investing in yo...
Kink-friendly gas station internal respiration
  02/07/14
...
Glassy foreskin temple
  02/07/14
YOUR personal rate of return is different from the market's ...
Kink-friendly gas station internal respiration
  02/07/14
...
Glassy foreskin temple
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
Kink-friendly gas station internal respiration
  02/07/14
...
Glassy foreskin temple
  02/07/14
you realize that to obtain the returns you stated above, one...
Duck-like zombie-like turdskin
  02/07/14
...
Glassy foreskin temple
  02/07/14
jfc why does she write shit like this
Sepia Trailer Park Sandwich
  07/09/17
This is true for everything ever.
Costumed Mad-dog Skullcap Volcanic Crater
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
french bawdyhouse
  02/07/14
U r 36? LOLOL
Massive burgundy generalized bond
  02/07/14
34 but I put more money than $2000 per year in there.
french bawdyhouse
  02/07/14
Damen. How does it feel to be literally half done with life?
Massive burgundy generalized bond
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
french bawdyhouse
  02/07/14
Goal retirement age??
Massive burgundy generalized bond
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
french bawdyhouse
  02/07/14
Any family pressure to get married??
Massive burgundy generalized bond
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
french bawdyhouse
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
swashbuckling cerise toaster knife
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
jet tanning salon cuckold
  02/07/14
...
Glassy foreskin temple
  02/07/14
Doctors are done here
Massive burgundy generalized bond
  02/07/14
...
Green hospital
  02/13/15
...
talking tripping liquid oxygen
  02/20/17
...
mauve wagecucks indian lodge
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
french bawdyhouse
  02/07/14
What were u doing at 22?
Massive burgundy generalized bond
  02/07/14
crappy consulting firm do municipal bond analysis.
french bawdyhouse
  02/07/14
you should've gone into finance, instead. you'd have a milli...
Kink-friendly gas station internal respiration
  02/07/14
I was too lazy in college, but yeah would have been a good i...
french bawdyhouse
  02/07/14
$38k was a decent starting salary in 1995...?
Deep mildly autistic principal's office feces
  02/08/14
my gf doesn't even have a credit card. she's 24
High-end house
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
Insane appetizing new version
  02/07/14
...
Glassy foreskin temple
  02/07/14
yes arthur is fucked, ben pwns him
Insane appetizing new version
  02/07/14
Twist: Arthur was swimming in student loan debt
heady smoky set
  02/07/14
...
Bat shit crazy stubborn native athletic conference
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
dead brass field incel
  02/07/14
...
glittery sick church building
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
Know-it-all Opaque Black Woman Keepsake Machete
  02/07/14
True, the idea that investing early is a good idea sure didn...
dead brass field incel
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
Tan Multi-colored Step-uncle's House Pistol
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
Tan Multi-colored Step-uncle's House Pistol
  07/08/17
Right. The person who started investing earlier is still in ...
painfully honest state
  07/09/17
I think the more interesting hypo is a guy who starts invest...
vigorous parlor
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
glittery sick church building
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
Coral center
  02/07/14
I still think it's more credited to maintain liquidity and i...
Vibrant Pontificating Sound Barrier
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
french bawdyhouse
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
dead brass field incel
  02/07/14
(cgm)
Hyperactive marketing idea friendly grandma
  02/07/14
What does this look like if you assume 6% returns?
adventurous infuriating rehab
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
crawly shitlib hominid
  02/08/14
...
Glassy foreskin temple
  02/17/14
not really. my parents had very little just 20 years ago...
Misanthropic resort antidepressant drug
  02/08/14
...
Glassy foreskin temple
  02/10/14
...
Stimulating Scarlet Site
  07/08/17
So your telling me that if I make a lot of money ill do well...
Unhinged Wild Whorehouse Mediation
  12/10/14
...
Glassy foreskin temple
  05/14/14
...
Glassy foreskin temple
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
wonderful blathering locus pozpig
  12/10/14
...
Glassy foreskin temple
  12/10/14
...
Glassy foreskin temple
  02/13/15
this is retarded. for most of us, that would have meant soc...
180 Chartreuse Stag Film
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
Green hospital
  02/13/15
...
Glassy foreskin temple
  02/13/15
we're in a bubble right now, so all of those figures are bul...
180 Chartreuse Stag Film
  02/13/15
...
Glassy foreskin temple
  02/13/15
A year later after bitching in this thread, I have fucking $...
french bawdyhouse
  02/13/15
...
Glassy foreskin temple
  02/13/15
What has your APR been?
Overrated psychic stage
  02/13/15
how much money did you have in cash on the sidelines from th...
Arrogant Ape
  02/13/15
...
Glassy foreskin temple
  12/29/15
...
Glassy foreskin temple
  04/18/16
I remember a teacher showing us this kind of chart back arou...
flesh marvelous area
  04/18/16
wise move
Beady-eyed menage factory reset button
  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.
pea-brained coldplay fan half-breed
  04/18/16
...
Glassy foreskin temple
  04/18/16
This is false and assumes one continues working a cookie-cut...
Misanthropic resort antidepressant drug
  04/18/16
just do >10% growth every year. worked for bernie madoff
Flushed jet-lagged office dopamine
  04/18/16
This bort is retarded.
doobsian theater stage mexican
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
Mind-boggling persian gay wizard
  04/18/16
...
Glassy foreskin temple
  04/18/16
you pointed it out above several times, and each time you go...
Mind-boggling persian gay wizard
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
Contagious Flatulent Prole
  04/18/16
The real reason this chart is dumb is because of inflation. ...
Spruce Police Squad International Law Enforcement Agency
  04/18/16
...
Glassy foreskin temple
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
Spruce Police Squad International Law Enforcement Agency
  04/18/16
...
Glassy foreskin temple
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
Nofapping space rigor
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
Alcoholic Chest-beating Kitchen Degenerate
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
cocky idea he suggested national
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
mahogany judgmental casino
  02/20/17
I agree generally that returns will be lower. But if you ask...
cocky idea he suggested national
  02/20/17
saving for retirement is flame. just slide and let do
Mentally Impaired Boltzmann
  04/18/16
cr
Mind-boggling persian gay wizard
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
mauve wagecucks indian lodge
  09/29/16
...
Glassy foreskin temple
  09/29/16
How do they get 10% retune every year
hilarious rose affirmative action
  09/29/16
noob investor question, but isn't this idea kind of self per...
Silver crackhouse laser beams
  09/29/16
Student loan interest exceeds most investment returns so tha...
wonderful blathering locus pozpig
  09/29/16
...
Silver crackhouse laser beams
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
abnormal corner masturbator
  02/20/17
...
abnormal corner masturbator
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
shimmering nursing home
  07/08/17
COMPOUND INT--*nuke melts face*
Provocative dingle berry old irish cottage
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
Exciting bisexual private investor kitty cat
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
Provocative dingle berry old irish cottage
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
Exciting bisexual private investor kitty cat
  07/08/17
(Not a rental property owner)
Slap-happy At-the-ready Sweet Tailpipe
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
painfully honest state
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
abnormal corner masturbator
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
Exciting bisexual private investor kitty cat
  07/08/17
now show me the table for $300K at 8% in student loans
diverse onyx hell
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
Fragrant Piazza Milk
  07/08/17
...
mauve wagecucks indian lodge
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
diverse onyx hell
  07/08/17
data entry
Stimulating Scarlet Site
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
diverse onyx hell
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
Stimulating Scarlet Site
  07/08/17
CR
mauve wagecucks indian lodge
  07/08/17
Admin assistant
mauve wagecucks indian lodge
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
diverse onyx hell
  07/08/17
According to the chart all you need to invest is like 2k a y...
mauve wagecucks indian lodge
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
sinister garrison
  07/08/17
things barzini knew and did that you did not for $200, alex
Bat shit crazy stubborn native athletic conference
  07/09/17
I think a much more sure bet is Social Security taxes being ...
Razzmatazz ruddy idiot
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
sinister garrison
  07/08/17
Investment compounding is the single biggest scam the inve...
crawly shitlib hominid
  07/09/17
...
azure filthpig dilemma
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
odious carnelian ticket booth
  08/23/17
...
Glassy foreskin temple
  09/15/23
how’d we all do?
add more sirens or I will keep poasting
  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: Glassy foreskin temple

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

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



Reply Favorite

Date: December 10th, 2014 4:58 PM
Author: comical hall indirect expression

(Dave Ramsey)

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



Reply Favorite

Date: September 15th, 2023 12:25 PM
Author: umber place of business sanctuary
Subject: Germany bull

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

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



Reply Favorite

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



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: Massive burgundy generalized bond

Brb transferring money to my roth

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



Reply Favorite

Date: February 8th, 2014 10:44 AM
Author: indecent chapel



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: Impertinent Forum

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: Bateful public bath giraffe

what is the apr on this

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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: french bawdyhouse

12% lol.

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



Reply Favorite

Date: February 7th, 2014 3:25 PM
Author: titillating garnet main people

fucking boomers

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



Reply Favorite

Date: February 7th, 2014 3:28 PM
Author: Glassy foreskin temple



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: heady smoky set

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=2Reputation#24973943)



Reply Favorite

Date: February 7th, 2014 3:34 PM
Author: Duck-like zombie-like turdskin

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=2Reputation#24973956)



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: heady smoky set

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: Fluffy Curious Legend Parlour



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: peach supple regret property



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: fuchsia station



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: heady smoky set



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: buff bespoke messiness



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: fuchsia station



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: Glassy foreskin temple



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: heady smoky set

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=2Reputation#24974015)



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: Glassy foreskin temple



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: heady smoky set

(guy who recently watched The Secret)

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



Reply Favorite

Date: February 7th, 2014 3:56 PM
Author: heady smoky set

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

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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: heady smoky set

(Boomer in 2006 buying third investment property)

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



Reply Favorite

Date: February 7th, 2014 3:59 PM
Author: Slap-happy At-the-ready Sweet Tailpipe

this will not occur over the next 40 years

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



Reply Favorite

Date: February 7th, 2014 4:36 PM
Author: doobsian theater stage mexican

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=2Reputation#24974300)



Reply Favorite

Date: February 7th, 2014 4:40 PM
Author: Glassy foreskin temple



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: Slap-happy At-the-ready Sweet Tailpipe

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=2Reputation#26902473)



Reply Favorite

Date: April 18th, 2016 9:12 AM
Author: Slap-happy At-the-ready Sweet Tailpipe



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: Slap-happy At-the-ready Sweet Tailpipe

A true genius

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



Reply Favorite

Date: April 18th, 2016 7:41 AM
Author: Blue senate boistinker



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: Slap-happy At-the-ready Sweet Tailpipe

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=2Reputation#30296264)



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: light lascivious jewess

Just do assume 12% returns for 45 years

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



Reply Favorite

Date: February 7th, 2014 3:29 PM
Author: Glassy foreskin temple



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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: Slap-happy At-the-ready Sweet Tailpipe

CR incredibly retarded

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



Reply Favorite

Date: April 18th, 2016 8:57 AM
Author: doobsian theater stage mexican

It doesn't change regardless of rate.

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



Reply Favorite

Date: April 18th, 2016 9:13 AM
Author: Slap-happy At-the-ready Sweet Tailpipe

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

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



Reply Favorite

Date: February 20th, 2017 9:25 AM
Author: Cracking ungodly coffee pot

(finance genius)

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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Snowy thriller headpube crotch

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=2Reputation#24973885)



Reply Favorite

Date: February 7th, 2014 3:29 PM
Author: Glassy foreskin temple



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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: Slap-happy At-the-ready Sweet Tailpipe

this will not be the case for the next 50 years



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



Reply Favorite

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

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

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



Reply Favorite

Date: April 18th, 2016 9:35 AM
Author: Amethyst theatre becky

lol'd

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



Reply Favorite

Date: September 29th, 2016 10:24 AM
Author: iridescent range candlestick maker

haha

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



Reply Favorite

Date: February 20th, 2017 1:49 AM
Author: heady smoky set



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



Reply Favorite

Date: February 20th, 2017 8:38 AM
Author: doobsian theater stage mexican



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: Racy roommate pisswyrm



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: odious carnelian ticket booth



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Kink-friendly gas station internal respiration

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=2Reputation#24973892)



Reply Favorite

Date: February 7th, 2014 3:30 PM
Author: Glassy foreskin temple



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Kink-friendly gas station internal respiration

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=2Reputation#24973941)



Reply Favorite

Date: February 7th, 2014 3:36 PM
Author: Glassy foreskin temple



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: Kink-friendly gas station internal respiration

?

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=2Reputation#24973993)



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Glassy foreskin temple



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Kink-friendly gas station internal respiration

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=2Reputation#24974038)



Reply Favorite

Date: February 7th, 2014 3:49 PM
Author: Glassy foreskin temple



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



Reply Favorite

Date: February 7th, 2014 4:13 PM
Author: Kink-friendly gas station internal respiration

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=2Reputation#24974177)



Reply Favorite

Date: February 7th, 2014 4:33 PM
Author: Glassy foreskin temple



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



Reply Favorite

Date: February 7th, 2014 4:35 PM
Author: Duck-like zombie-like turdskin

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=2Reputation#24974293)



Reply Favorite

Date: February 7th, 2014 4:41 PM
Author: Glassy foreskin temple



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



Reply Favorite

Date: July 9th, 2017 11:26 AM
Author: Sepia Trailer Park Sandwich

jfc why does she write shit like this

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



Reply Favorite

Date: September 29th, 2016 2:14 PM
Author: Costumed Mad-dog Skullcap Volcanic Crater

This is true for everything ever.

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



Reply Favorite

Date: February 7th, 2014 3:25 PM
Author: french bawdyhouse

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=2Reputation#24973900)



Reply Favorite

Date: February 7th, 2014 3:30 PM
Author: Massive burgundy generalized bond

U r 36? LOLOL

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



Reply Favorite

Date: February 7th, 2014 3:31 PM
Author: french bawdyhouse

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

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



Reply Favorite

Date: February 7th, 2014 3:36 PM
Author: Massive burgundy generalized bond

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

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



Reply Favorite

Date: February 7th, 2014 3:39 PM
Author: french bawdyhouse

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=2Reputation#24973988)



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: Massive burgundy generalized bond

Goal retirement age??

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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: french bawdyhouse

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=2Reputation#24974009)



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: Massive burgundy generalized bond

Any family pressure to get married??

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



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: french bawdyhouse

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=2Reputation#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=2Reputation#49814674)



Reply Favorite

Date: February 7th, 2014 3:32 PM
Author: swashbuckling cerise toaster knife

(39-year-old, MAF troll)

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



Reply Favorite

Date: February 7th, 2014 3:38 PM
Author: jet tanning salon cuckold

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=2Reputation#24973984)



Reply Favorite

Date: February 7th, 2014 3:39 PM
Author: Glassy foreskin temple



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Massive burgundy generalized bond

Doctors are done here

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



Reply Favorite

Date: February 13th, 2015 5:32 PM
Author: Green hospital



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: talking tripping liquid oxygen



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: mauve wagecucks indian lodge



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: french bawdyhouse

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=2Reputation#24974025)



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: Massive burgundy generalized bond

What were u doing at 22?

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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: french bawdyhouse

crappy consulting firm do municipal bond analysis.

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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: Kink-friendly gas station internal respiration

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=2Reputation#24974087)



Reply Favorite

Date: February 7th, 2014 3:59 PM
Author: french bawdyhouse

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=2Reputation#24974092)



Reply Favorite

Date: February 8th, 2014 10:36 AM
Author: Deep mildly autistic principal's office feces

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

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



Reply Favorite

Date: April 18th, 2016 9:49 AM
Author: High-end house

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

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



Reply Favorite

Date: February 7th, 2014 3:48 PM
Author: Insane appetizing new version

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=2Reputation#24974041)



Reply Favorite

Date: February 7th, 2014 3:50 PM
Author: Glassy foreskin temple



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: Insane appetizing new version

yes arthur is fucked, ben pwns him

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



Reply Favorite

Date: February 7th, 2014 3:51 PM
Author: heady smoky set

Twist: Arthur was swimming in student loan debt

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



Reply Favorite

Date: February 13th, 2015 5:46 PM
Author: Bat shit crazy stubborn native athletic conference



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



Reply Favorite

Date: February 7th, 2014 4:01 PM
Author: dead brass field incel

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=2Reputation#24974098)



Reply Favorite

Date: February 8th, 2014 8:23 PM
Author: glittery sick church building



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



Reply Favorite

Date: February 7th, 2014 4:08 PM
Author: Know-it-all Opaque Black Woman Keepsake Machete

*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=2Reputation#24974133)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: dead brass field incel

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=2Reputation#24974151)



Reply Favorite

Date: September 29th, 2016 1:14 PM
Author: Tan Multi-colored Step-uncle's House Pistol

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=2Reputation#31521424)



Reply Favorite

Date: July 8th, 2017 10:02 AM
Author: Tan Multi-colored Step-uncle's House Pistol

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=2Reputation#33727706)



Reply Favorite

Date: July 9th, 2017 10:45 AM
Author: painfully honest state

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=2Reputation#33734072)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: vigorous parlor

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=2Reputation#24974146)



Reply Favorite

Date: February 8th, 2014 8:23 PM
Author: glittery sick church building

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=2Reputation#24980361)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: Coral center

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=2Reputation#24974148)



Reply Favorite

Date: February 7th, 2014 4:11 PM
Author: Vibrant Pontificating Sound Barrier

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=2Reputation#24974156)



Reply Favorite

Date: February 7th, 2014 4:15 PM
Author: french bawdyhouse

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=2Reputation#24974195)



Reply Favorite

Date: February 7th, 2014 4:38 PM
Author: dead brass field incel

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=2Reputation#24974306)



Reply Favorite

Date: February 7th, 2014 4:58 PM
Author: Hyperactive marketing idea friendly grandma

(cgm)

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



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: adventurous infuriating rehab

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

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



Reply Favorite

Date: February 8th, 2014 10:51 AM
Author: crawly shitlib hominid

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=2Reputation#24977600)



Reply Favorite

Date: February 17th, 2014 11:13 AM
Author: Glassy foreskin temple



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: Misanthropic resort antidepressant drug

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=2Reputation#24977623)



Reply Favorite

Date: February 10th, 2014 2:32 PM
Author: Glassy foreskin temple



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: Stimulating Scarlet Site



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: Unhinged Wild Whorehouse Mediation

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=2Reputation#26902507)



Reply Favorite

Date: May 14th, 2014 9:23 AM
Author: Glassy foreskin temple



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: Glassy foreskin temple



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: wonderful blathering locus pozpig

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=2Reputation#26902483)



Reply Favorite

Date: December 10th, 2014 5:10 PM
Author: Glassy foreskin temple



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: Glassy foreskin temple



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: 180 Chartreuse Stag Film

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=2Reputation#27309317)



Reply Favorite

Date: February 13th, 2015 5:35 PM
Author: Green hospital

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=2Reputation#27309326)



Reply Favorite

Date: February 13th, 2015 5:36 PM
Author: Glassy foreskin temple



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: 180 Chartreuse Stag Film

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=2Reputation#27309354)



Reply Favorite

Date: February 13th, 2015 5:50 PM
Author: Glassy foreskin temple



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: french bawdyhouse

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=2Reputation#27309399)



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Date: February 13th, 2015 5:52 PM
Author: Glassy foreskin temple



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



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Date: February 13th, 2015 5:53 PM
Author: Overrated psychic stage

What has your APR been?

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



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Date: February 13th, 2015 6:18 PM
Author: Arrogant Ape

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=2Reputation#27309632)



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Date: December 29th, 2015 1:41 PM
Author: Glassy foreskin temple



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



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Date: April 18th, 2016 7:18 AM
Author: Glassy foreskin temple



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



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Date: April 18th, 2016 7:47 AM
Author: flesh marvelous area

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=2Reputation#30296076)



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Date: April 18th, 2016 8:17 AM
Author: Beady-eyed menage factory reset button

wise move

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



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

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

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



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Date: April 18th, 2016 7:49 AM
Author: pea-brained coldplay fan half-breed

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

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



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Date: April 18th, 2016 9:40 AM
Author: Glassy foreskin temple



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



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Date: April 18th, 2016 7:50 AM
Author: Misanthropic resort antidepressant drug

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=2Reputation#30296082)



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Date: April 18th, 2016 8:51 AM
Author: Flushed jet-lagged office dopamine

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

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



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Date: April 18th, 2016 8:57 AM
Author: doobsian theater stage mexican

This bort is retarded.

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



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Date: April 18th, 2016 9:04 AM
Author: Mind-boggling persian gay wizard

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=2Reputation#30296237)



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Date: April 18th, 2016 9:41 AM
Author: Glassy foreskin temple



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



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Date: April 18th, 2016 10:04 AM
Author: Mind-boggling persian gay wizard

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=2Reputation#30296421)



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Date: April 18th, 2016 9:20 AM
Author: Contagious Flatulent Prole

http://imgur.com/gnMx2MX

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

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



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Date: April 18th, 2016 9:20 AM
Author: Spruce Police Squad International Law Enforcement Agency

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=2Reputation#30296293)



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Date: April 18th, 2016 9:45 AM
Author: Glassy foreskin temple



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



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Date: April 18th, 2016 9:50 AM
Author: Spruce Police Squad International Law Enforcement Agency

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=2Reputation#30296396)



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Date: April 18th, 2016 10:02 AM
Author: Glassy foreskin temple



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



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Date: July 8th, 2017 11:01 AM
Author: Nofapping space rigor

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

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



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Date: September 15th, 2023 11:41 AM
Author: Alcoholic Chest-beating Kitchen Degenerate

*assumes 3% inflation*

*fade in cannibal holocaust theme*

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



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Date: April 18th, 2016 9:24 AM
Author: cocky idea he suggested national

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=2Reputation#30296303)



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Date: February 20th, 2017 3:10 AM
Author: mahogany judgmental casino

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=2Reputation#32659870)



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Date: February 20th, 2017 7:57 AM
Author: cocky idea he suggested national

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=2Reputation#32660046)



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Date: April 18th, 2016 9:57 AM
Author: Mentally Impaired Boltzmann

saving for retirement is flame. just slide and let do

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



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Date: April 18th, 2016 10:04 AM
Author: Mind-boggling persian gay wizard

cr

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



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Date: September 29th, 2016 10:24 AM
Author: mauve wagecucks indian lodge

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

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



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Date: September 29th, 2016 10:03 AM
Author: Glassy foreskin temple



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



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Date: September 29th, 2016 1:21 PM
Author: hilarious rose affirmative action

How do they get 10% retune every year

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



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Date: September 29th, 2016 2:04 PM
Author: Silver crackhouse laser beams

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=2Reputation#31521755)



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Date: September 29th, 2016 2:12 PM
Author: wonderful blathering locus pozpig

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=2Reputation#31521840)



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Date: September 29th, 2016 4:48 PM
Author: Silver crackhouse laser beams



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



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Date: February 20th, 2017 8:11 AM
Author: abnormal corner masturbator

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=2Reputation#32660068)



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Date: July 8th, 2017 9:32 AM
Author: abnormal corner masturbator



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



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Date: July 8th, 2017 9:40 AM
Author: shimmering nursing home

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

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



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Date: July 8th, 2017 9:46 AM
Author: Provocative dingle berry old irish cottage

COMPOUND INT--*nuke melts face*

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



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Date: July 8th, 2017 9:50 AM
Author: Exciting bisexual private investor kitty cat

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=2Reputation#33727671)



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Date: July 8th, 2017 9:52 AM
Author: Provocative dingle berry old irish cottage

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=2Reputation#33727675)



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Date: July 8th, 2017 9:54 AM
Author: Exciting bisexual private investor kitty cat

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=2Reputation#33727681)



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Date: July 8th, 2017 10:16 AM
Author: Slap-happy At-the-ready Sweet Tailpipe

(Not a rental property owner)

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



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Date: July 9th, 2017 11:14 AM
Author: painfully honest state

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=2Reputation#33734178)



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Date: July 8th, 2017 10:05 AM
Author: abnormal corner masturbator

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

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



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Date: July 8th, 2017 10:06 AM
Author: Exciting bisexual private investor kitty cat

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=2Reputation#33727719)



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Date: July 8th, 2017 12:06 PM
Author: diverse onyx hell

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

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



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Date: July 8th, 2017 12:13 PM
Author: Fragrant Piazza Milk

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=2Reputation#33728056)



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Date: July 8th, 2017 12:28 PM
Author: mauve wagecucks indian lodge



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



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Date: July 8th, 2017 12:30 PM
Author: diverse onyx hell

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=2Reputation#33728113)



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Date: July 8th, 2017 12:32 PM
Author: Stimulating Scarlet Site

data entry

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



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Date: July 8th, 2017 12:46 PM
Author: diverse onyx hell

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=2Reputation#33728151)



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Date: July 8th, 2017 1:03 PM
Author: Stimulating Scarlet Site

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=2Reputation#33728219)



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Date: July 8th, 2017 1:04 PM
Author: mauve wagecucks indian lodge

CR

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



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Date: July 8th, 2017 12:32 PM
Author: mauve wagecucks indian lodge

Admin assistant

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



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Date: July 8th, 2017 12:45 PM
Author: diverse onyx hell

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=2Reputation#33728148)



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Date: July 8th, 2017 12:57 PM
Author: mauve wagecucks indian lodge

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=2Reputation#33728193)



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Date: July 8th, 2017 1:26 PM
Author: sinister garrison

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=2Reputation#33728308)



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Date: July 9th, 2017 11:10 AM
Author: Bat shit crazy stubborn native athletic conference

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

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



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Date: July 8th, 2017 12:45 PM
Author: Razzmatazz ruddy idiot

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=2Reputation#33728150)



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Date: July 8th, 2017 1:27 PM
Author: sinister garrison

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=2Reputation#33728311)



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Date: July 9th, 2017 11:21 AM
Author: crawly shitlib hominid

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=2Reputation#33734215)



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Date: August 22nd, 2017 7:26 PM
Author: azure filthpig dilemma



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



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Date: August 23rd, 2017 11:19 AM
Author: odious carnelian ticket booth

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

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



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Date: September 15th, 2023 11:28 AM
Author: Glassy foreskin temple



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



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Date: April 13th, 2026 1:45 PM
Author: add more sirens or I will keep poasting

how’d we all do?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Reputation#49814625)



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

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

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



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



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