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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...
elite knife
  02/07/14
(Dave Ramsey)
Ruby Pistol Foreskin
  12/10/14
Germany bull
Overrated Gas Station Kitty
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
chestnut boltzmann
  02/07/14
...
Olive Adventurous Toilet Seat Jewess
  02/08/14
yep
Beta infuriating market
  02/07/14
what is the apr on this
Plum Flirting Patrolman
  02/07/14
12% lol.
Pontificating histrionic area
  02/07/14
fucking boomers
Autistic Legend Orchestra Pit
  02/07/14
...
may his bones be crushed
  04/13/26
...
elite knife
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
Aromatic erotic ticket booth
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
ultramarine shrine
  02/07/14
180
Aromatic erotic ticket booth
  02/07/14
...
Hairraiser National Sweet Tailpipe
  02/08/14
...
bateful snowy gunner lay
  02/13/15
...
charcoal puppy digit ratio
  04/18/16
...
Aromatic erotic ticket booth
  02/20/17
...
Fuchsia misunderstood goyim
  02/20/17
...
charcoal puppy digit ratio
  07/08/17
...
elite knife
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
Aromatic erotic ticket booth
  02/07/14
...
elite knife
  02/07/14
(guy who recently watched The Secret)
Aromatic erotic ticket booth
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
Aromatic erotic ticket booth
  02/07/14
(Boomer in 2006 buying third investment property)
Aromatic erotic ticket booth
  02/07/14
this will not occur over the next 40 years
poppy greedy depressive giraffe
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
yapping locale
  02/07/14
...
elite knife
  02/07/14
Compare the demographics, foreign competition, and regulator...
poppy greedy depressive giraffe
  12/10/14
...
poppy greedy depressive giraffe
  04/18/16
A true genius
poppy greedy depressive giraffe
  09/29/16
...
cracking zombie-like menage associate
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
poppy greedy depressive giraffe
  04/18/16
Just do assume 12% returns for 45 years
razzle-dazzle twinkling volcanic crater
  02/07/14
...
elite knife
  02/07/14
CR incredibly retarded
poppy greedy depressive giraffe
  02/07/14
It doesn't change regardless of rate.
yapping locale
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
poppy greedy depressive giraffe
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
Saffron Cruise Ship Roommate
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
Cobalt Circlehead
  02/07/14
...
elite knife
  02/07/14
this will not be the case for the next 50 years
poppy greedy depressive giraffe
  02/07/14
(Suze Orman after a few too many glasses of wine)
drab bearded scourge upon the earth
  02/07/14
lol'd
titillating site black woman
  04/18/16
haha
Sepia irradiated chapel main people
  09/29/16
...
Aromatic erotic ticket booth
  02/20/17
...
yapping locale
  02/20/17
...
pink cuckold windowlicker
  02/20/17
...
stimulating home
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
Beady-eyed amber turdskin parlor
  02/07/14
...
elite knife
  02/07/14
Not if returns were negative when/in the years immediately f...
Beady-eyed amber turdskin parlor
  02/07/14
...
elite knife
  02/07/14
? All the hypo supposes is that you start investing in yo...
Beady-eyed amber turdskin parlor
  02/07/14
...
elite knife
  02/07/14
YOUR personal rate of return is different from the market's ...
Beady-eyed amber turdskin parlor
  02/07/14
...
elite knife
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
Beady-eyed amber turdskin parlor
  02/07/14
...
elite knife
  02/07/14
you realize that to obtain the returns you stated above, one...
ultramarine shrine
  02/07/14
...
elite knife
  02/07/14
jfc why does she write shit like this
Charismatic Lavender Crackhouse International Law Enforcement Agency
  07/09/17
This is true for everything ever.
French half-breed
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
Pontificating histrionic area
  02/07/14
U r 36? LOLOL
chestnut boltzmann
  02/07/14
34 but I put more money than $2000 per year in there.
Pontificating histrionic area
  02/07/14
Damen. How does it feel to be literally half done with life?
chestnut boltzmann
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
Pontificating histrionic area
  02/07/14
Goal retirement age??
chestnut boltzmann
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
Pontificating histrionic area
  02/07/14
Any family pressure to get married??
chestnut boltzmann
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
Pontificating histrionic area
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
embarrassed to the bone galvanic indian lodge
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
Fear-inspiring excitant range
  02/07/14
...
elite knife
  02/07/14
Doctors are done here
chestnut boltzmann
  02/07/14
...
Pea-brained boyish trailer park dragon
  02/13/15
...
Marvelous obsidian roast beef tattoo
  02/20/17
...
abusive university really tough guy
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
Pontificating histrionic area
  02/07/14
What were u doing at 22?
chestnut boltzmann
  02/07/14
crappy consulting firm do municipal bond analysis.
Pontificating histrionic area
  02/07/14
you should've gone into finance, instead. you'd have a milli...
Beady-eyed amber turdskin parlor
  02/07/14
I was too lazy in college, but yeah would have been a good i...
Pontificating histrionic area
  02/07/14
$38k was a decent starting salary in 1995...?
cordovan demanding resort lettuce
  02/08/14
my gf doesn't even have a credit card. she's 24
red location genital piercing
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
nighttime know-it-all masturbator
  02/07/14
...
elite knife
  02/07/14
yes arthur is fucked, ben pwns him
nighttime know-it-all masturbator
  02/07/14
Twist: Arthur was swimming in student loan debt
Aromatic erotic ticket booth
  02/07/14
...
vigorous lake office love of her life
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
house-broken travel guidebook french chef
  02/07/14
...
crystalline big-titted useless brakes
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
translucent filthpig rehab
  02/07/14
True, the idea that investing early is a good idea sure didn...
house-broken travel guidebook french chef
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
Bronze Stirring Library
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
Bronze Stirring Library
  07/08/17
Right. The person who started investing earlier is still in ...
aphrodisiac wine private investor old irish cottage
  07/09/17
I think the more interesting hypo is a guy who starts invest...
Nubile chad step-uncle's house
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
crystalline big-titted useless brakes
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
glittery honey-headed piazza place of business
  02/07/14
I still think it's more credited to maintain liquidity and i...
fighting thirsty den blood rage
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
Pontificating histrionic area
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
house-broken travel guidebook french chef
  02/07/14
(cgm)
irate very tactful church
  02/07/14
What does this look like if you assume 6% returns?
Jade marketing idea
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
Effete tanning salon goal in life
  02/08/14
...
elite knife
  02/17/14
not really. my parents had very little just 20 years ago...
sooty garrison organic girlfriend
  02/08/14
...
elite knife
  02/10/14
...
purple regret death wish
  07/08/17
So your telling me that if I make a lot of money ill do well...
unholy casino ratface
  12/10/14
...
elite knife
  05/14/14
...
elite knife
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
Lascivious Filthy Coffee Pot Station
  12/10/14
...
elite knife
  12/10/14
...
elite knife
  02/13/15
this is retarded. for most of us, that would have meant soc...
Cerebral Flatulent Alpha
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
Pea-brained boyish trailer park dragon
  02/13/15
...
elite knife
  02/13/15
we're in a bubble right now, so all of those figures are bul...
Cerebral Flatulent Alpha
  02/13/15
...
elite knife
  02/13/15
A year later after bitching in this thread, I have fucking $...
Pontificating histrionic area
  02/13/15
...
elite knife
  02/13/15
What has your APR been?
Appetizing Gold Karate Mediation
  02/13/15
how much money did you have in cash on the sidelines from th...
Heady twisted set
  02/13/15
...
elite knife
  12/29/15
...
elite knife
  04/18/16
I remember a teacher showing us this kind of chart back arou...
Carmine medicated feces
  04/18/16
wise move
Contagious abnormal doctorate pit
  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.
Orange ceo
  04/18/16
...
elite knife
  04/18/16
This is false and assumes one continues working a cookie-cut...
sooty garrison organic girlfriend
  04/18/16
just do >10% growth every year. worked for bernie madoff
motley box office sandwich
  04/18/16
This bort is retarded.
yapping locale
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
Painfully honest lodge sex offender
  04/18/16
...
elite knife
  04/18/16
you pointed it out above several times, and each time you go...
Painfully honest lodge sex offender
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
Mind-boggling Cumskin Abode
  04/18/16
The real reason this chart is dumb is because of inflation. ...
Rough-skinned institution
  04/18/16
...
elite knife
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
Rough-skinned institution
  04/18/16
...
elite knife
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
Navy Maniacal Parlour Trust Fund
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
vermilion arousing immigrant personal credit line
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
Sick Transparent Hell
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
vengeful meetinghouse
  02/20/17
I agree generally that returns will be lower. But if you ask...
Sick Transparent Hell
  02/20/17
saving for retirement is flame. just slide and let do
azure slimy trump supporter laser beams
  04/18/16
cr
Painfully honest lodge sex offender
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
abusive university really tough guy
  09/29/16
...
elite knife
  09/29/16
How do they get 10% retune every year
Vivacious pungent business firm elastic band
  09/29/16
noob investor question, but isn't this idea kind of self per...
Umber metal point
  09/29/16
Student loan interest exceeds most investment returns so tha...
Lascivious Filthy Coffee Pot Station
  09/29/16
...
Umber metal point
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
razzle frisky theatre
  02/20/17
...
razzle frisky theatre
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
Slap-happy nowag
  07/08/17
COMPOUND INT--*nuke melts face*
Cyan School
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
smoky wonderful plaza
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
Cyan School
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
smoky wonderful plaza
  07/08/17
(Not a rental property owner)
poppy greedy depressive giraffe
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
aphrodisiac wine private investor old irish cottage
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
razzle frisky theatre
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
smoky wonderful plaza
  07/08/17
now show me the table for $300K at 8% in student loans
mustard national security agency
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
at-the-ready field antidepressant drug
  07/08/17
...
abusive university really tough guy
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
mustard national security agency
  07/08/17
data entry
purple regret death wish
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
mustard national security agency
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
purple regret death wish
  07/08/17
CR
abusive university really tough guy
  07/08/17
Admin assistant
abusive university really tough guy
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
mustard national security agency
  07/08/17
According to the chart all you need to invest is like 2k a y...
abusive university really tough guy
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
Fluffy Dilemma
  07/08/17
things barzini knew and did that you did not for $200, alex
vigorous lake office love of her life
  07/09/17
I think a much more sure bet is Social Security taxes being ...
Diverse high-end brunch police squad
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
Fluffy Dilemma
  07/08/17
Investment compounding is the single biggest scam the inve...
Effete tanning salon goal in life
  07/09/17
...
Underhanded talented yarmulke corn cake
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
stimulating home
  08/23/17
...
elite knife
  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: elite knife

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: Ruby Pistol Foreskin

(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: Overrated Gas Station Kitty
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: chestnut boltzmann

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: Olive Adventurous Toilet Seat Jewess



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: Beta infuriating market

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: Plum Flirting Patrolman

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: Pontificating histrionic area

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: Autistic Legend Orchestra Pit

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: elite knife



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Aromatic erotic ticket booth

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: ultramarine shrine

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: Aromatic erotic ticket booth

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: Hairraiser National Sweet Tailpipe



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: bateful snowy gunner lay



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: charcoal puppy digit ratio



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: Aromatic erotic ticket booth



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: Fuchsia misunderstood goyim



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: charcoal puppy digit ratio



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: elite knife



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Aromatic erotic ticket booth

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: elite knife



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Aromatic erotic ticket booth

(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: Aromatic erotic ticket booth

(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: Aromatic erotic ticket booth

(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: poppy greedy depressive giraffe

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: yapping locale

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: elite knife



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: poppy greedy depressive giraffe

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: poppy greedy depressive giraffe



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: poppy greedy depressive giraffe

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: cracking zombie-like menage associate



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: poppy greedy depressive giraffe

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: razzle-dazzle twinkling volcanic crater

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: elite knife



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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: poppy greedy depressive giraffe

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: yapping locale

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: poppy greedy depressive giraffe

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: Saffron Cruise Ship Roommate

(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: Cobalt Circlehead

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: elite knife



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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: poppy greedy depressive giraffe

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: drab bearded scourge upon the earth

(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: titillating site black woman

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: Sepia irradiated chapel main people

haha

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



Reply Favorite

Date: February 20th, 2017 1:49 AM
Author: Aromatic erotic ticket booth



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



Reply Favorite

Date: February 20th, 2017 8:38 AM
Author: yapping locale



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: pink cuckold windowlicker



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: stimulating home



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Beady-eyed amber turdskin parlor

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: elite knife



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Beady-eyed amber turdskin parlor

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: elite knife



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: Beady-eyed amber turdskin parlor

?

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: elite knife



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Beady-eyed amber turdskin parlor

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: elite knife



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



Reply Favorite

Date: February 7th, 2014 4:13 PM
Author: Beady-eyed amber turdskin parlor

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: elite knife



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



Reply Favorite

Date: February 7th, 2014 4:35 PM
Author: ultramarine shrine

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: elite knife



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



Reply Favorite

Date: July 9th, 2017 11:26 AM
Author: Charismatic Lavender Crackhouse International Law Enforcement Agency

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: French half-breed

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: Pontificating histrionic area

why doesnt the roth I started at 20 and stopped contributing to at 27 have $90K in it?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Reputation#24973900)



Reply Favorite

Date: February 7th, 2014 3:30 PM
Author: chestnut boltzmann

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: Pontificating histrionic area

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: chestnut boltzmann

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: Pontificating histrionic area

it sucks but I have stayed in shape and fucked enough women where I wont have any regrets on that end at least.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Reputation#24973988)



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: chestnut boltzmann

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: Pontificating histrionic area

depends if I have kids and the house. Then probably 62-65.

If not then I might yolo and move to the philipines or some shit at 50 with a couple of million.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Reputation#24974009)



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: chestnut boltzmann

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: Pontificating histrionic area

nah but I love my gf. I would probably marry her kids or not.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=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: embarrassed to the bone galvanic indian lodge

(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: Fear-inspiring excitant range

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: elite knife



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: chestnut boltzmann

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: Pea-brained boyish trailer park dragon



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: Marvelous obsidian roast beef tattoo



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: abusive university really tough guy



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: Pontificating histrionic area

And this is why I want to strangle the shrews I have dated.

At least my gf has a 401K that she contributes up to the match limit.

But she is 29 years old and this is her first year of contributing to a roth.

WOmen are fucking children.

"But I make 1/4 of what you do" she clucks.

"Except when I was 22 making $38,000 I still maxed out my roth," I lisp back.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Reputation#24974025)



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: chestnut boltzmann

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: Pontificating histrionic area

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: Beady-eyed amber turdskin parlor

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: Pontificating histrionic area

I was too lazy in college, but yeah would have been a good idea.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Reputation#24974092)



Reply Favorite

Date: February 8th, 2014 10:36 AM
Author: cordovan demanding resort lettuce

$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: red location genital piercing

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: nighttime know-it-all masturbator

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: elite knife



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: nighttime know-it-all masturbator

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: Aromatic erotic ticket booth

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: vigorous lake office love of her life



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



Reply Favorite

Date: February 7th, 2014 4:01 PM
Author: house-broken travel guidebook french chef

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: crystalline big-titted useless brakes



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



Reply Favorite

Date: February 7th, 2014 4:08 PM
Author: translucent filthpig rehab

*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: house-broken travel guidebook french chef

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: Bronze Stirring Library

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: Bronze Stirring Library

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: aphrodisiac wine private investor old irish cottage

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: Nubile chad step-uncle's house

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: crystalline big-titted useless brakes

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: glittery honey-headed piazza place of business

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: fighting thirsty den blood rage

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: Pontificating histrionic area

Why the fuck does my roth IRA only have $35,000 in it? I maxed out from 22-27.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Reputation#24974195)



Reply Favorite

Date: February 7th, 2014 4:38 PM
Author: house-broken travel guidebook french chef

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: irate very tactful church

(cgm)

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



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: Jade marketing idea

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: Effete tanning salon goal in life

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: elite knife



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: sooty garrison organic girlfriend

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: elite knife



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: purple regret death wish



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: unholy casino ratface

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: elite knife



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: elite knife



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: Lascivious Filthy Coffee Pot Station

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: elite knife



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: elite knife



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: Cerebral Flatulent Alpha

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: Pea-brained boyish trailer park dragon

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: elite knife



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: Cerebral Flatulent Alpha

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: elite knife



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: Pontificating histrionic area

A year later after bitching in this thread, I have fucking $37,500 in the Roth IRA I started when I was 21. Bullshit magical 12% compounding.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Reputation#27309399)



Reply Favorite

Date: February 13th, 2015 5:52 PM
Author: elite knife



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



Reply Favorite

Date: February 13th, 2015 5:53 PM
Author: Appetizing Gold Karate Mediation

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: Heady twisted set

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: elite knife



(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: elite knife



(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: Carmine medicated feces

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: Contagious abnormal doctorate pit

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: Orange ceo

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: elite knife



(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: sooty garrison organic girlfriend

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: motley box office sandwich

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: yapping locale

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: Painfully honest lodge sex offender

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: elite knife



(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: Painfully honest lodge sex offender

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: Mind-boggling Cumskin Abode

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: Rough-skinned institution

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: elite knife



(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: Rough-skinned institution

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: elite knife



(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: Navy Maniacal Parlour Trust Fund

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: vermilion arousing immigrant personal credit line

*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: Sick Transparent Hell

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: vengeful meetinghouse

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: Sick Transparent Hell

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: azure slimy trump supporter laser beams

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: Painfully honest lodge sex offender

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: abusive university really tough guy

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: elite knife



(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: Vivacious pungent business firm elastic band

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: Umber metal point

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

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

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



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Date: September 29th, 2016 2:12 PM
Author: Lascivious Filthy Coffee Pot Station

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: Umber metal point



(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: razzle frisky theatre

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: razzle frisky theatre



(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: Slap-happy nowag

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: Cyan School

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: smoky wonderful plaza

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: Cyan School

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: smoky wonderful plaza

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: poppy greedy depressive giraffe

(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: aphrodisiac wine private investor old irish cottage

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: razzle frisky theatre

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: smoky wonderful plaza

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: mustard national security agency

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: at-the-ready field antidepressant drug

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: abusive university really tough guy



(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: mustard national security agency

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: purple regret death wish

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: mustard national security agency

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: purple regret death wish

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: abusive university really tough guy

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: abusive university really tough guy

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: mustard national security agency

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: abusive university really tough guy

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: Fluffy Dilemma

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: vigorous lake office love of her life

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: Diverse high-end brunch police squad

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: Fluffy Dilemma

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: Effete tanning salon goal in life

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: Underhanded talented yarmulke corn cake



(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: stimulating home

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: elite knife



(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)