\
  The most prestigious law school admissions discussion board in the world.
BackRefresh Options Favorite

You're FUCKED if you don't save $ in your early 20s. Here's why

https://i.pinimg.com/736x/2e/d6/5d/2ed65d34dbac86519947d298d...
Mind-boggling newt
  02/07/14
(Dave Ramsey)
medicated meetinghouse idiot
  12/10/14
Germany bull
Swashbuckling Coiffed Boistinker Bawdyhouse
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
big sexy senate clown
  02/07/14
...
Wonderful azure giraffe athletic conference
  02/08/14
yep
Cerebral ruddy faggot firefighter chad
  02/07/14
what is the apr on this
stimulating hyperventilating toaster jew
  02/07/14
12% lol.
brindle galvanic hospital rigor
  02/07/14
fucking boomers
copper cruel-hearted house potus
  02/07/14
...
may his bones be crushed
  04/13/26
...
Mind-boggling newt
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
Godawful cordovan quadroon
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
Provocative coral temple
  02/07/14
180
Godawful cordovan quadroon
  02/07/14
...
Thriller stag film puppy
  02/08/14
...
Low-t fanboi dilemma
  02/13/15
...
Dashing free-loading casino
  04/18/16
...
Godawful cordovan quadroon
  02/20/17
...
exhilarant olive rehab
  02/20/17
...
Dashing free-loading casino
  07/08/17
...
Mind-boggling newt
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
Godawful cordovan quadroon
  02/07/14
...
Mind-boggling newt
  02/07/14
(guy who recently watched The Secret)
Godawful cordovan quadroon
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
Godawful cordovan quadroon
  02/07/14
(Boomer in 2006 buying third investment property)
Godawful cordovan quadroon
  02/07/14
this will not occur over the next 40 years
Bronze mexican shrine
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
Vigorous Stain Orchestra Pit
  02/07/14
...
Mind-boggling newt
  02/07/14
Compare the demographics, foreign competition, and regulator...
Bronze mexican shrine
  12/10/14
...
Bronze mexican shrine
  04/18/16
A true genius
Bronze mexican shrine
  09/29/16
...
Alcoholic exciting public bath
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
Bronze mexican shrine
  04/18/16
Just do assume 12% returns for 45 years
massive sienna parlor halford
  02/07/14
...
Mind-boggling newt
  02/07/14
CR incredibly retarded
Bronze mexican shrine
  02/07/14
It doesn't change regardless of rate.
Vigorous Stain Orchestra Pit
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
Bronze mexican shrine
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
adventurous theater stage
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
effete lascivious institution nowag
  02/07/14
...
Mind-boggling newt
  02/07/14
this will not be the case for the next 50 years
Bronze mexican shrine
  02/07/14
(Suze Orman after a few too many glasses of wine)
Startled Fighting School Cafeteria Ladyboy
  02/07/14
lol'd
cerise naked theater
  04/18/16
haha
Well-lubricated Sticky Affirmative Action Foreskin
  09/29/16
...
Godawful cordovan quadroon
  02/20/17
...
Vigorous Stain Orchestra Pit
  02/20/17
...
magenta dysfunction
  02/20/17
...
alcoholic ceo
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
red area
  02/07/14
...
Mind-boggling newt
  02/07/14
Not if returns were negative when/in the years immediately f...
red area
  02/07/14
...
Mind-boggling newt
  02/07/14
? All the hypo supposes is that you start investing in yo...
red area
  02/07/14
...
Mind-boggling newt
  02/07/14
YOUR personal rate of return is different from the market's ...
red area
  02/07/14
...
Mind-boggling newt
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
red area
  02/07/14
...
Mind-boggling newt
  02/07/14
you realize that to obtain the returns you stated above, one...
Provocative coral temple
  02/07/14
...
Mind-boggling newt
  02/07/14
jfc why does she write shit like this
black abode pisswyrm
  07/09/17
This is true for everything ever.
Blathering Nursing Home Azn
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
brindle galvanic hospital rigor
  02/07/14
U r 36? LOLOL
big sexy senate clown
  02/07/14
34 but I put more money than $2000 per year in there.
brindle galvanic hospital rigor
  02/07/14
Damen. How does it feel to be literally half done with life?
big sexy senate clown
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
brindle galvanic hospital rigor
  02/07/14
Goal retirement age??
big sexy senate clown
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
brindle galvanic hospital rigor
  02/07/14
Any family pressure to get married??
big sexy senate clown
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
brindle galvanic hospital rigor
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
contagious flushed stage sneaky criminal
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
Sinister vibrant trailer park
  02/07/14
...
Mind-boggling newt
  02/07/14
Doctors are done here
big sexy senate clown
  02/07/14
...
rusted disrespectful liquid oxygen
  02/13/15
...
Charcoal circlehead
  02/20/17
...
Confused odious people who are hurt travel guidebook
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
brindle galvanic hospital rigor
  02/07/14
What were u doing at 22?
big sexy senate clown
  02/07/14
crappy consulting firm do municipal bond analysis.
brindle galvanic hospital rigor
  02/07/14
you should've gone into finance, instead. you'd have a milli...
red area
  02/07/14
I was too lazy in college, but yeah would have been a good i...
brindle galvanic hospital rigor
  02/07/14
$38k was a decent starting salary in 1995...?
magical ruby national half-breed
  02/08/14
my gf doesn't even have a credit card. she's 24
vengeful aphrodisiac native hissy fit
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
Frum dopamine
  02/07/14
...
Mind-boggling newt
  02/07/14
yes arthur is fucked, ben pwns him
Frum dopamine
  02/07/14
Twist: Arthur was swimming in student loan debt
Godawful cordovan quadroon
  02/07/14
...
Glittery Dragon
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
hideous yapping location volcanic crater
  02/07/14
...
Mentally impaired prole principal's office
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
charismatic milk cruise ship
  02/07/14
True, the idea that investing early is a good idea sure didn...
hideous yapping location volcanic crater
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
flatulent plaza juggernaut
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
flatulent plaza juggernaut
  07/08/17
Right. The person who started investing earlier is still in ...
Shimmering razzmatazz university new version
  07/09/17
I think the more interesting hypo is a guy who starts invest...
Vivacious spot
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
Mentally impaired prole principal's office
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
bipolar 180 ticket booth
  02/07/14
I still think it's more credited to maintain liquidity and i...
iridescent talking indirect expression french chef
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
brindle galvanic hospital rigor
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
hideous yapping location volcanic crater
  02/07/14
(cgm)
transparent fortuitous meteor
  02/07/14
What does this look like if you assume 6% returns?
Out-of-control chest-beating site telephone
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
Hairraiser indigo bbw
  02/08/14
...
Mind-boggling newt
  02/17/14
not really. my parents had very little just 20 years ago...
territorial lodge round eye
  02/08/14
...
Mind-boggling newt
  02/10/14
...
cream beady-eyed goyim school
  07/08/17
So your telling me that if I make a lot of money ill do well...
Emerald rambunctious center karate
  12/10/14
...
Mind-boggling newt
  05/14/14
...
Mind-boggling newt
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
mustard multi-colored sex offender
  12/10/14
...
Mind-boggling newt
  12/10/14
...
Mind-boggling newt
  02/13/15
this is retarded. for most of us, that would have meant soc...
Mauve Wild Mother Dingle Berry
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
rusted disrespectful liquid oxygen
  02/13/15
...
Mind-boggling newt
  02/13/15
we're in a bubble right now, so all of those figures are bul...
Mauve Wild Mother Dingle Berry
  02/13/15
...
Mind-boggling newt
  02/13/15
A year later after bitching in this thread, I have fucking $...
brindle galvanic hospital rigor
  02/13/15
...
Mind-boggling newt
  02/13/15
What has your APR been?
Bateful Soggy Queen Of The Night Locale
  02/13/15
how much money did you have in cash on the sidelines from th...
Flirting Pocket Flask Point
  02/13/15
...
Mind-boggling newt
  12/29/15
...
Mind-boggling newt
  04/18/16
I remember a teacher showing us this kind of chart back arou...
Irradiated Box Office Police Squad
  04/18/16
wise move
peach disturbing pistol
  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.
Thirsty old irish cottage
  04/18/16
...
Mind-boggling newt
  04/18/16
This is false and assumes one continues working a cookie-cut...
territorial lodge round eye
  04/18/16
just do >10% growth every year. worked for bernie madoff
Heady Misunderstood Church Building
  04/18/16
This bort is retarded.
Vigorous Stain Orchestra Pit
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
Aquamarine brunch gaming laptop
  04/18/16
...
Mind-boggling newt
  04/18/16
you pointed it out above several times, and each time you go...
Aquamarine brunch gaming laptop
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
Translucent chapel
  04/18/16
The real reason this chart is dumb is because of inflation. ...
Hyperactive bonkers sanctuary pozpig
  04/18/16
...
Mind-boggling newt
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
Hyperactive bonkers sanctuary pozpig
  04/18/16
...
Mind-boggling newt
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
saffron frisky headpube
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
know-it-all comical market lettuce
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
At-the-ready green knife candlestick maker
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
drunken resort legal warrant
  02/20/17
I agree generally that returns will be lower. But if you ask...
At-the-ready green knife candlestick maker
  02/20/17
saving for retirement is flame. just slide and let do
chrome misanthropic selfie gunner
  04/18/16
cr
Aquamarine brunch gaming laptop
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
Confused odious people who are hurt travel guidebook
  09/29/16
...
Mind-boggling newt
  09/29/16
How do they get 10% retune every year
concupiscible stage place of business
  09/29/16
noob investor question, but isn't this idea kind of self per...
Ocher federal associate
  09/29/16
Student loan interest exceeds most investment returns so tha...
mustard multi-colored sex offender
  09/29/16
...
Ocher federal associate
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
grizzly gay wizard hairy legs
  02/20/17
...
grizzly gay wizard hairy legs
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
Laughsome Jade Gaping Hall
  07/08/17
COMPOUND INT--*nuke melts face*
electric depressive crackhouse
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
splenetic diverse reading party home
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
electric depressive crackhouse
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
splenetic diverse reading party home
  07/08/17
(Not a rental property owner)
Bronze mexican shrine
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
Shimmering razzmatazz university new version
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
grizzly gay wizard hairy legs
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
splenetic diverse reading party home
  07/08/17
now show me the table for $300K at 8% in student loans
tripping flickering kitchen
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
Tan library organic girlfriend
  07/08/17
...
Confused odious people who are hurt travel guidebook
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
tripping flickering kitchen
  07/08/17
data entry
cream beady-eyed goyim school
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
tripping flickering kitchen
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
cream beady-eyed goyim school
  07/08/17
CR
Confused odious people who are hurt travel guidebook
  07/08/17
Admin assistant
Confused odious people who are hurt travel guidebook
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
tripping flickering kitchen
  07/08/17
According to the chart all you need to invest is like 2k a y...
Confused odious people who are hurt travel guidebook
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
boyish violet trump supporter
  07/08/17
things barzini knew and did that you did not for $200, alex
Glittery Dragon
  07/09/17
I think a much more sure bet is Social Security taxes being ...
painfully honest cuckoldry
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
boyish violet trump supporter
  07/08/17
Investment compounding is the single biggest scam the inve...
Hairraiser indigo bbw
  07/09/17
...
fragrant useless brakes forum
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
alcoholic ceo
  08/23/17
...
Mind-boggling newt
  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: Mind-boggling newt

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: medicated meetinghouse idiot

(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: Swashbuckling Coiffed Boistinker Bawdyhouse
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: big sexy senate clown

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: Wonderful azure giraffe athletic conference



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: Cerebral ruddy faggot firefighter chad

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: stimulating hyperventilating toaster jew

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: brindle galvanic hospital rigor

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: copper cruel-hearted house potus

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: Mind-boggling newt



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Godawful cordovan quadroon

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: Provocative coral temple

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: Godawful cordovan quadroon

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: Thriller stag film puppy



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: Low-t fanboi dilemma



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: Dashing free-loading casino



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: Godawful cordovan quadroon



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: exhilarant olive rehab



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: Dashing free-loading casino



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: Mind-boggling newt



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Godawful cordovan quadroon

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: Mind-boggling newt



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Godawful cordovan quadroon

(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: Godawful cordovan quadroon

(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: Godawful cordovan quadroon

(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: Bronze mexican shrine

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: Vigorous Stain Orchestra Pit

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: Mind-boggling newt



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: Bronze mexican shrine

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: Bronze mexican shrine



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: Bronze mexican shrine

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: Alcoholic exciting public bath



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: Bronze mexican shrine

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: massive sienna parlor halford

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: Mind-boggling newt



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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: Bronze mexican shrine

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: Vigorous Stain Orchestra Pit

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: Bronze mexican shrine

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: adventurous theater stage

(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: effete lascivious institution nowag

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: Mind-boggling newt



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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: Bronze mexican shrine

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: Startled Fighting School Cafeteria Ladyboy

(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: cerise naked theater

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: Well-lubricated Sticky Affirmative Action Foreskin

haha

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



Reply Favorite

Date: February 20th, 2017 1:49 AM
Author: Godawful cordovan quadroon



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



Reply Favorite

Date: February 20th, 2017 8:38 AM
Author: Vigorous Stain Orchestra Pit



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: magenta dysfunction



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: alcoholic ceo



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: red area

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: Mind-boggling newt



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: red area

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: Mind-boggling newt



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: red area

?

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: Mind-boggling newt



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: red area

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: Mind-boggling newt



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



Reply Favorite

Date: February 7th, 2014 4:13 PM
Author: red area

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: Mind-boggling newt



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



Reply Favorite

Date: February 7th, 2014 4:35 PM
Author: Provocative coral temple

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: Mind-boggling newt



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



Reply Favorite

Date: July 9th, 2017 11:26 AM
Author: black abode pisswyrm

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: Blathering Nursing Home Azn

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: brindle galvanic hospital rigor

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: big sexy senate clown

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: brindle galvanic hospital rigor

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: big sexy senate clown

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: brindle galvanic hospital rigor

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: big sexy senate clown

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: brindle galvanic hospital rigor

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: big sexy senate clown

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: brindle galvanic hospital rigor

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: contagious flushed stage sneaky criminal

(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: Sinister vibrant trailer park

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: Mind-boggling newt



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: big sexy senate clown

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: rusted disrespectful liquid oxygen



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: Charcoal circlehead



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: Confused odious people who are hurt travel guidebook



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: brindle galvanic hospital rigor

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: big sexy senate clown

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: brindle galvanic hospital rigor

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: red area

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: brindle galvanic hospital rigor

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: magical ruby national half-breed

$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: vengeful aphrodisiac native hissy fit

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: Frum dopamine

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: Mind-boggling newt



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: Frum dopamine

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: Godawful cordovan quadroon

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: Glittery Dragon



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



Reply Favorite

Date: February 7th, 2014 4:01 PM
Author: hideous yapping location volcanic crater

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: Mentally impaired prole principal's office



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



Reply Favorite

Date: February 7th, 2014 4:08 PM
Author: charismatic milk cruise ship

*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: hideous yapping location volcanic crater

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: flatulent plaza juggernaut

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: flatulent plaza juggernaut

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: Shimmering razzmatazz university new version

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: Vivacious spot

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: Mentally impaired prole principal's office

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: bipolar 180 ticket booth

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: iridescent talking indirect expression french chef

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: brindle galvanic hospital rigor

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: hideous yapping location volcanic crater

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: transparent fortuitous meteor

(cgm)

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



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: Out-of-control chest-beating site telephone

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: Hairraiser indigo bbw

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: Mind-boggling newt



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: territorial lodge round eye

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: Mind-boggling newt



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: cream beady-eyed goyim school



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: Emerald rambunctious center karate

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: Mind-boggling newt



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: Mind-boggling newt



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: mustard multi-colored sex offender

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: Mind-boggling newt



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: Mind-boggling newt



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: Mauve Wild Mother Dingle Berry

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: rusted disrespectful liquid oxygen

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: Mind-boggling newt



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: Mauve Wild Mother Dingle Berry

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: Mind-boggling newt



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: brindle galvanic hospital rigor

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)



Reply Favorite

Date: February 13th, 2015 5:52 PM
Author: Mind-boggling newt



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



Reply Favorite

Date: February 13th, 2015 5:53 PM
Author: Bateful Soggy Queen Of The Night Locale

What has your APR been?

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



Reply Favorite

Date: February 13th, 2015 6:18 PM
Author: Flirting Pocket Flask Point

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)



Reply Favorite

Date: December 29th, 2015 1:41 PM
Author: Mind-boggling newt



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



Reply Favorite

Date: April 18th, 2016 7:18 AM
Author: Mind-boggling newt



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



Reply Favorite

Date: April 18th, 2016 7:47 AM
Author: Irradiated Box Office Police Squad

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)



Reply Favorite

Date: April 18th, 2016 8:17 AM
Author: peach disturbing pistol

wise move

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



Reply Favorite

Date: April 18th, 2016 7:49 AM
Author: Thirsty old irish cottage

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

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



Reply Favorite

Date: April 18th, 2016 9:40 AM
Author: Mind-boggling newt



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



Reply Favorite

Date: April 18th, 2016 7:50 AM
Author: territorial lodge round eye

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)



Reply Favorite

Date: April 18th, 2016 8:51 AM
Author: Heady Misunderstood Church Building

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

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



Reply Favorite

Date: April 18th, 2016 8:57 AM
Author: Vigorous Stain Orchestra Pit

This bort is retarded.

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



Reply Favorite

Date: April 18th, 2016 9:04 AM
Author: Aquamarine brunch gaming laptop

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)



Reply Favorite

Date: April 18th, 2016 9:41 AM
Author: Mind-boggling newt



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



Reply Favorite

Date: April 18th, 2016 10:04 AM
Author: Aquamarine brunch gaming laptop

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)



Reply Favorite

Date: April 18th, 2016 9:20 AM
Author: Translucent chapel

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)



Reply Favorite

Date: April 18th, 2016 9:20 AM
Author: Hyperactive bonkers sanctuary pozpig

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)



Reply Favorite

Date: April 18th, 2016 9:45 AM
Author: Mind-boggling newt



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



Reply Favorite

Date: April 18th, 2016 9:50 AM
Author: Hyperactive bonkers sanctuary pozpig

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)



Reply Favorite

Date: April 18th, 2016 10:02 AM
Author: Mind-boggling newt



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



Reply Favorite

Date: July 8th, 2017 11:01 AM
Author: saffron frisky headpube

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)



Reply Favorite

Date: September 15th, 2023 11:41 AM
Author: know-it-all comical market lettuce

*assumes 3% inflation*

*fade in cannibal holocaust theme*

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



Reply Favorite

Date: April 18th, 2016 9:24 AM
Author: At-the-ready green knife candlestick maker

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)



Reply Favorite

Date: February 20th, 2017 3:10 AM
Author: drunken resort legal warrant

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)



Reply Favorite

Date: February 20th, 2017 7:57 AM
Author: At-the-ready green knife candlestick maker

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)



Reply Favorite

Date: April 18th, 2016 9:57 AM
Author: chrome misanthropic selfie gunner

saving for retirement is flame. just slide and let do

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



Reply Favorite

Date: April 18th, 2016 10:04 AM
Author: Aquamarine brunch gaming laptop

cr

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



Reply Favorite

Date: September 29th, 2016 10:24 AM
Author: Confused odious people who are hurt travel guidebook

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

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



Reply Favorite

Date: September 29th, 2016 10:03 AM
Author: Mind-boggling newt



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



Reply Favorite

Date: September 29th, 2016 1:21 PM
Author: concupiscible stage place of business

How do they get 10% retune every year

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



Reply Favorite

Date: September 29th, 2016 2:04 PM
Author: Ocher federal associate

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)



Reply Favorite

Date: September 29th, 2016 2:12 PM
Author: mustard multi-colored sex offender

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)



Reply Favorite

Date: September 29th, 2016 4:48 PM
Author: Ocher federal associate



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



Reply Favorite

Date: February 20th, 2017 8:11 AM
Author: grizzly gay wizard hairy legs

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)



Reply Favorite

Date: July 8th, 2017 9:32 AM
Author: grizzly gay wizard hairy legs



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



Reply Favorite

Date: July 8th, 2017 9:40 AM
Author: Laughsome Jade Gaping Hall

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

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



Reply Favorite

Date: July 8th, 2017 9:46 AM
Author: electric depressive crackhouse

COMPOUND INT--*nuke melts face*

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



Reply Favorite

Date: July 8th, 2017 9:50 AM
Author: splenetic diverse reading party home

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)



Reply Favorite

Date: July 8th, 2017 9:52 AM
Author: electric depressive crackhouse

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)



Reply Favorite

Date: July 8th, 2017 9:54 AM
Author: splenetic diverse reading party home

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)



Reply Favorite

Date: July 8th, 2017 10:16 AM
Author: Bronze mexican shrine

(Not a rental property owner)

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



Reply Favorite

Date: July 9th, 2017 11:14 AM
Author: Shimmering razzmatazz university new version

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)



Reply Favorite

Date: July 8th, 2017 10:05 AM
Author: grizzly gay wizard hairy legs

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)



Reply Favorite

Date: July 8th, 2017 10:06 AM
Author: splenetic diverse reading party home

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)



Reply Favorite

Date: July 8th, 2017 12:06 PM
Author: tripping flickering kitchen

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)



Reply Favorite

Date: July 8th, 2017 12:13 PM
Author: Tan library organic girlfriend

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)



Reply Favorite

Date: July 8th, 2017 12:28 PM
Author: Confused odious people who are hurt travel guidebook



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



Reply Favorite

Date: July 8th, 2017 12:30 PM
Author: tripping flickering kitchen

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)



Reply Favorite

Date: July 8th, 2017 12:32 PM
Author: cream beady-eyed goyim school

data entry

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



Reply Favorite

Date: July 8th, 2017 12:46 PM
Author: tripping flickering kitchen

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)



Reply Favorite

Date: July 8th, 2017 1:03 PM
Author: cream beady-eyed goyim school

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)



Reply Favorite

Date: July 8th, 2017 1:04 PM
Author: Confused odious people who are hurt travel guidebook

CR

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



Reply Favorite

Date: July 8th, 2017 12:32 PM
Author: Confused odious people who are hurt travel guidebook

Admin assistant

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



Reply Favorite

Date: July 8th, 2017 12:45 PM
Author: tripping flickering kitchen

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)



Reply Favorite

Date: July 8th, 2017 12:57 PM
Author: Confused odious people who are hurt travel guidebook

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)



Reply Favorite

Date: July 8th, 2017 1:26 PM
Author: boyish violet trump supporter

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)



Reply Favorite

Date: July 9th, 2017 11:10 AM
Author: Glittery Dragon

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)



Reply Favorite

Date: July 8th, 2017 12:45 PM
Author: painfully honest cuckoldry

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)



Reply Favorite

Date: July 8th, 2017 1:27 PM
Author: boyish violet trump supporter

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)



Reply Favorite

Date: July 9th, 2017 11:21 AM
Author: Hairraiser indigo bbw

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)



Reply Favorite

Date: August 22nd, 2017 7:26 PM
Author: fragrant useless brakes forum



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



Reply Favorite

Date: August 23rd, 2017 11:19 AM
Author: alcoholic ceo

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)



Reply Favorite

Date: September 15th, 2023 11:28 AM
Author: Mind-boggling newt



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



Reply Favorite

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)



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=2Reputation#49814655)



Reply Favorite

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



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