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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...
free-loading swashbuckling state dysfunction
  02/07/14
(Dave Ramsey)
pontificating hospital mood
  12/10/14
Germany bull
Nubile buff university legend
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
Costumed erotic theater stage new version
  02/07/14
...
Unhinged milky coldplay fan location
  02/08/14
yep
Razzmatazz Windowlicker
  02/07/14
what is the apr on this
jade dilemma
  02/07/14
12% lol.
Know-it-all Lemon Locale Indirect Expression
  02/07/14
fucking boomers
Jet Pea-brained Voyeur
  02/07/14
...
may his bones be crushed
  04/13/26
...
free-loading swashbuckling state dysfunction
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
Crusty trip pisswyrm gunner
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
diverse maroon reading party
  02/07/14
180
Crusty trip pisswyrm gunner
  02/07/14
...
Amethyst well-lubricated brunch pocket flask
  02/08/14
...
sable sick rigor
  02/13/15
...
Mentally Impaired Apoplectic Chapel
  04/18/16
...
Crusty trip pisswyrm gunner
  02/20/17
...
Stirring property toaster
  02/20/17
...
Mentally Impaired Apoplectic Chapel
  07/08/17
...
free-loading swashbuckling state dysfunction
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
Crusty trip pisswyrm gunner
  02/07/14
...
free-loading swashbuckling state dysfunction
  02/07/14
(guy who recently watched The Secret)
Crusty trip pisswyrm gunner
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
Crusty trip pisswyrm gunner
  02/07/14
(Boomer in 2006 buying third investment property)
Crusty trip pisswyrm gunner
  02/07/14
this will not occur over the next 40 years
galvanic haunted graveyard ticket booth
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
cyan heady rehab
  02/07/14
...
free-loading swashbuckling state dysfunction
  02/07/14
Compare the demographics, foreign competition, and regulator...
galvanic haunted graveyard ticket booth
  12/10/14
...
galvanic haunted graveyard ticket booth
  04/18/16
A true genius
galvanic haunted graveyard ticket booth
  09/29/16
...
soggy codepig
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
galvanic haunted graveyard ticket booth
  04/18/16
Just do assume 12% returns for 45 years
Shimmering geriatric site personal credit line
  02/07/14
...
free-loading swashbuckling state dysfunction
  02/07/14
CR incredibly retarded
galvanic haunted graveyard ticket booth
  02/07/14
It doesn't change regardless of rate.
cyan heady rehab
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
galvanic haunted graveyard ticket booth
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
Ruby Excitant School
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
wonderful thirsty puppy
  02/07/14
...
free-loading swashbuckling state dysfunction
  02/07/14
this will not be the case for the next 50 years
galvanic haunted graveyard ticket booth
  02/07/14
(Suze Orman after a few too many glasses of wine)
bull headed newt
  02/07/14
lol'd
dashing dopamine
  04/18/16
haha
comical godawful friendly grandma immigrant
  09/29/16
...
Crusty trip pisswyrm gunner
  02/20/17
...
cyan heady rehab
  02/20/17
...
Cowardly Exciting Jap Base
  02/20/17
...
titillating fat ankles
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
Primrose Karate
  02/07/14
...
free-loading swashbuckling state dysfunction
  02/07/14
Not if returns were negative when/in the years immediately f...
Primrose Karate
  02/07/14
...
free-loading swashbuckling state dysfunction
  02/07/14
? All the hypo supposes is that you start investing in yo...
Primrose Karate
  02/07/14
...
free-loading swashbuckling state dysfunction
  02/07/14
YOUR personal rate of return is different from the market's ...
Primrose Karate
  02/07/14
...
free-loading swashbuckling state dysfunction
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
Primrose Karate
  02/07/14
...
free-loading swashbuckling state dysfunction
  02/07/14
you realize that to obtain the returns you stated above, one...
diverse maroon reading party
  02/07/14
...
free-loading swashbuckling state dysfunction
  02/07/14
jfc why does she write shit like this
Bronze Irradiated Antidepressant Drug
  07/09/17
This is true for everything ever.
navy haunting useless brakes
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
Know-it-all Lemon Locale Indirect Expression
  02/07/14
U r 36? LOLOL
Costumed erotic theater stage new version
  02/07/14
34 but I put more money than $2000 per year in there.
Know-it-all Lemon Locale Indirect Expression
  02/07/14
Damen. How does it feel to be literally half done with life?
Costumed erotic theater stage new version
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
Know-it-all Lemon Locale Indirect Expression
  02/07/14
Goal retirement age??
Costumed erotic theater stage new version
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
Know-it-all Lemon Locale Indirect Expression
  02/07/14
Any family pressure to get married??
Costumed erotic theater stage new version
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
Know-it-all Lemon Locale Indirect Expression
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
green soul-stirring round eye corner
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
mind-boggling citrine mother box office
  02/07/14
...
free-loading swashbuckling state dysfunction
  02/07/14
Doctors are done here
Costumed erotic theater stage new version
  02/07/14
...
wine address volcanic crater
  02/13/15
...
histrionic sex offender ape
  02/20/17
...
brilliant metal cruise ship
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
Know-it-all Lemon Locale Indirect Expression
  02/07/14
What were u doing at 22?
Costumed erotic theater stage new version
  02/07/14
crappy consulting firm do municipal bond analysis.
Know-it-all Lemon Locale Indirect Expression
  02/07/14
you should've gone into finance, instead. you'd have a milli...
Primrose Karate
  02/07/14
I was too lazy in college, but yeah would have been a good i...
Know-it-all Lemon Locale Indirect Expression
  02/07/14
$38k was a decent starting salary in 1995...?
electric stag film doctorate
  02/08/14
my gf doesn't even have a credit card. she's 24
vibrant high-end prole
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
shaky sinister cuckoldry faggotry
  02/07/14
...
free-loading swashbuckling state dysfunction
  02/07/14
yes arthur is fucked, ben pwns him
shaky sinister cuckoldry faggotry
  02/07/14
Twist: Arthur was swimming in student loan debt
Crusty trip pisswyrm gunner
  02/07/14
...
fantasy-prone bistre factory reset button messiness
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
aromatic elite tanning salon
  02/07/14
...
nofapping magenta whorehouse
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
sienna hairraiser headpube
  02/07/14
True, the idea that investing early is a good idea sure didn...
aromatic elite tanning salon
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
Talented doobsian cuck psychic
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
Talented doobsian cuck psychic
  07/08/17
Right. The person who started investing earlier is still in ...
Dull 180 becky temple
  07/09/17
I think the more interesting hypo is a guy who starts invest...
lime nibblets forum
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
nofapping magenta whorehouse
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
adventurous brass nursing home organic girlfriend
  02/07/14
I still think it's more credited to maintain liquidity and i...
grizzly motley area
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
Know-it-all Lemon Locale Indirect Expression
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
aromatic elite tanning salon
  02/07/14
(cgm)
hateful business firm corn cake
  02/07/14
What does this look like if you assume 6% returns?
Multi-colored insanely creepy cumskin meetinghouse
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
salmon fortuitous meteor hall
  02/08/14
...
free-loading swashbuckling state dysfunction
  02/17/14
not really. my parents had very little just 20 years ago...
maniacal garrison
  02/08/14
...
free-loading swashbuckling state dysfunction
  02/10/14
...
Maize Spot
  07/08/17
So your telling me that if I make a lot of money ill do well...
spectacular harsh home really tough guy
  12/10/14
...
free-loading swashbuckling state dysfunction
  05/14/14
...
free-loading swashbuckling state dysfunction
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
Impressive Appetizing School Cafeteria International Law Enforcement Agency
  12/10/14
...
free-loading swashbuckling state dysfunction
  12/10/14
...
free-loading swashbuckling state dysfunction
  02/13/15
this is retarded. for most of us, that would have meant soc...
french parlour genital piercing
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
wine address volcanic crater
  02/13/15
...
free-loading swashbuckling state dysfunction
  02/13/15
we're in a bubble right now, so all of those figures are bul...
french parlour genital piercing
  02/13/15
...
free-loading swashbuckling state dysfunction
  02/13/15
A year later after bitching in this thread, I have fucking $...
Know-it-all Lemon Locale Indirect Expression
  02/13/15
...
free-loading swashbuckling state dysfunction
  02/13/15
What has your APR been?
dark lettuce casino
  02/13/15
how much money did you have in cash on the sidelines from th...
stimulating theater masturbator
  02/13/15
...
free-loading swashbuckling state dysfunction
  12/29/15
...
free-loading swashbuckling state dysfunction
  04/18/16
I remember a teacher showing us this kind of chart back arou...
provocative frozen ladyboy nowag
  04/18/16
wise move
angry indian lodge
  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.
clear national security agency
  04/18/16
...
free-loading swashbuckling state dysfunction
  04/18/16
This is false and assumes one continues working a cookie-cut...
maniacal garrison
  04/18/16
just do >10% growth every year. worked for bernie madoff
cerise national
  04/18/16
This bort is retarded.
cyan heady rehab
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
razzle-dazzle giraffe point
  04/18/16
...
free-loading swashbuckling state dysfunction
  04/18/16
you pointed it out above several times, and each time you go...
razzle-dazzle giraffe point
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
aquamarine heaven persian
  04/18/16
The real reason this chart is dumb is because of inflation. ...
translucent marvelous tattoo
  04/18/16
...
free-loading swashbuckling state dysfunction
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
translucent marvelous tattoo
  04/18/16
...
free-loading swashbuckling state dysfunction
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
Purple razzle idea he suggested generalized bond
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
Medicated Mental Disorder Clown
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
khaki piazza pistol
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
abnormal feces circlehead
  02/20/17
I agree generally that returns will be lower. But if you ask...
khaki piazza pistol
  02/20/17
saving for retirement is flame. just slide and let do
racy principal's office hunting ground
  04/18/16
cr
razzle-dazzle giraffe point
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
brilliant metal cruise ship
  09/29/16
...
free-loading swashbuckling state dysfunction
  09/29/16
How do they get 10% retune every year
Curious frum plaza gaming laptop
  09/29/16
noob investor question, but isn't this idea kind of self per...
rough-skinned bat-shit-crazy church building alpha
  09/29/16
Student loan interest exceeds most investment returns so tha...
Impressive Appetizing School Cafeteria International Law Enforcement Agency
  09/29/16
...
rough-skinned bat-shit-crazy church building alpha
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
cocky white knife menage
  02/20/17
...
cocky white knife menage
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
big henna potus affirmative action
  07/08/17
COMPOUND INT--*nuke melts face*
Out-of-control lodge main people
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
yellow alcoholic lay
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
Out-of-control lodge main people
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
yellow alcoholic lay
  07/08/17
(Not a rental property owner)
galvanic haunted graveyard ticket booth
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
Dull 180 becky temple
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
cocky white knife menage
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
yellow alcoholic lay
  07/08/17
now show me the table for $300K at 8% in student loans
floppy field gaping
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
Odious Fighting Hell
  07/08/17
...
brilliant metal cruise ship
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
floppy field gaping
  07/08/17
data entry
Maize Spot
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
floppy field gaping
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
Maize Spot
  07/08/17
CR
brilliant metal cruise ship
  07/08/17
Admin assistant
brilliant metal cruise ship
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
floppy field gaping
  07/08/17
According to the chart all you need to invest is like 2k a y...
brilliant metal cruise ship
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
Pungent indigo marketing idea
  07/08/17
things barzini knew and did that you did not for $200, alex
fantasy-prone bistre factory reset button messiness
  07/09/17
I think a much more sure bet is Social Security taxes being ...
aphrodisiac drab mexican
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
Pungent indigo marketing idea
  07/08/17
Investment compounding is the single biggest scam the inve...
salmon fortuitous meteor hall
  07/09/17
...
contagious narrow-minded dragon multi-billionaire
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
titillating fat ankles
  08/23/17
...
free-loading swashbuckling state dysfunction
  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: free-loading swashbuckling state dysfunction

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: pontificating hospital mood

(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: Nubile buff university legend
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: Costumed erotic theater stage new version

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: Unhinged milky coldplay fan location



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: Razzmatazz Windowlicker

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: jade dilemma

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: Know-it-all Lemon Locale Indirect Expression

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: Jet Pea-brained Voyeur

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: free-loading swashbuckling state dysfunction



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Crusty trip pisswyrm gunner

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: diverse maroon reading party

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: Crusty trip pisswyrm gunner

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: Amethyst well-lubricated brunch pocket flask



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: sable sick rigor



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: Mentally Impaired Apoplectic Chapel



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: Crusty trip pisswyrm gunner



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: Stirring property toaster



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: Mentally Impaired Apoplectic Chapel



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: free-loading swashbuckling state dysfunction



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Crusty trip pisswyrm gunner

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: free-loading swashbuckling state dysfunction



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Crusty trip pisswyrm gunner

(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: Crusty trip pisswyrm gunner

(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: Crusty trip pisswyrm gunner

(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: galvanic haunted graveyard ticket booth

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: cyan heady rehab

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: free-loading swashbuckling state dysfunction



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: galvanic haunted graveyard ticket booth

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: galvanic haunted graveyard ticket booth



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: galvanic haunted graveyard ticket booth

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: soggy codepig



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: galvanic haunted graveyard ticket booth

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: Shimmering geriatric site personal credit line

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: free-loading swashbuckling state dysfunction



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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: galvanic haunted graveyard ticket booth

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: cyan heady rehab

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: galvanic haunted graveyard ticket booth

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: Ruby Excitant School

(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: wonderful thirsty puppy

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: free-loading swashbuckling state dysfunction



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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: galvanic haunted graveyard ticket booth

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: bull headed newt

(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: dashing dopamine

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: comical godawful friendly grandma immigrant

haha

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



Reply Favorite

Date: February 20th, 2017 1:49 AM
Author: Crusty trip pisswyrm gunner



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



Reply Favorite

Date: February 20th, 2017 8:38 AM
Author: cyan heady rehab



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: Cowardly Exciting Jap Base



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: titillating fat ankles



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Primrose Karate

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: free-loading swashbuckling state dysfunction



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Primrose Karate

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: free-loading swashbuckling state dysfunction



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: Primrose Karate

?

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: free-loading swashbuckling state dysfunction



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Primrose Karate

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: free-loading swashbuckling state dysfunction



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



Reply Favorite

Date: February 7th, 2014 4:13 PM
Author: Primrose Karate

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: free-loading swashbuckling state dysfunction



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



Reply Favorite

Date: February 7th, 2014 4:35 PM
Author: diverse maroon reading party

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: free-loading swashbuckling state dysfunction



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



Reply Favorite

Date: July 9th, 2017 11:26 AM
Author: Bronze Irradiated Antidepressant Drug

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: navy haunting useless brakes

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: Know-it-all Lemon Locale Indirect Expression

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: Costumed erotic theater stage new version

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: Know-it-all Lemon Locale Indirect Expression

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: Costumed erotic theater stage new version

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: Know-it-all Lemon Locale Indirect Expression

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: Costumed erotic theater stage new version

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: Know-it-all Lemon Locale Indirect Expression

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: Costumed erotic theater stage new version

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: Know-it-all Lemon Locale Indirect Expression

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: green soul-stirring round eye corner

(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: mind-boggling citrine mother box office

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: free-loading swashbuckling state dysfunction



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Costumed erotic theater stage new version

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: wine address volcanic crater



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: histrionic sex offender ape



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: brilliant metal cruise ship



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: Know-it-all Lemon Locale Indirect Expression

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: Costumed erotic theater stage new version

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: Know-it-all Lemon Locale Indirect Expression

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: Primrose Karate

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: Know-it-all Lemon Locale Indirect Expression

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: electric stag film doctorate

$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: vibrant high-end prole

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: shaky sinister cuckoldry faggotry

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: free-loading swashbuckling state dysfunction



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: shaky sinister cuckoldry faggotry

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: Crusty trip pisswyrm gunner

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: fantasy-prone bistre factory reset button messiness



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



Reply Favorite

Date: February 7th, 2014 4:01 PM
Author: aromatic elite tanning salon

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: nofapping magenta whorehouse



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



Reply Favorite

Date: February 7th, 2014 4:08 PM
Author: sienna hairraiser headpube

*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: aromatic elite tanning salon

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: Talented doobsian cuck psychic

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: Talented doobsian cuck psychic

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: Dull 180 becky temple

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: lime nibblets forum

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: nofapping magenta whorehouse

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: adventurous brass nursing home organic girlfriend

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: grizzly motley area

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: Know-it-all Lemon Locale Indirect Expression

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: aromatic elite tanning salon

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: hateful business firm corn cake

(cgm)

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



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: Multi-colored insanely creepy cumskin meetinghouse

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: salmon fortuitous meteor hall

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: free-loading swashbuckling state dysfunction



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: maniacal garrison

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: free-loading swashbuckling state dysfunction



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: Maize Spot



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: spectacular harsh home really tough guy

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: free-loading swashbuckling state dysfunction



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: free-loading swashbuckling state dysfunction



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: Impressive Appetizing School Cafeteria International Law Enforcement Agency

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: free-loading swashbuckling state dysfunction



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: free-loading swashbuckling state dysfunction



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: french parlour genital piercing

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: wine address volcanic crater

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: free-loading swashbuckling state dysfunction



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



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Date: February 13th, 2015 5:38 PM
Author: french parlour genital piercing

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: free-loading swashbuckling state dysfunction



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



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Date: February 13th, 2015 5:44 PM
Author: Know-it-all Lemon Locale Indirect Expression

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: free-loading swashbuckling state dysfunction



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



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Date: February 13th, 2015 5:53 PM
Author: dark lettuce casino

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: stimulating theater masturbator

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: free-loading swashbuckling state dysfunction



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



Reply Favorite

Date: April 18th, 2016 7:18 AM
Author: free-loading swashbuckling state dysfunction



(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: provocative frozen ladyboy nowag

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: angry indian lodge

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: clear national security agency

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: free-loading swashbuckling state dysfunction



(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: maniacal garrison

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: cerise national

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: cyan heady rehab

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: razzle-dazzle giraffe point

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: free-loading swashbuckling state dysfunction



(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: razzle-dazzle giraffe point

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: aquamarine heaven persian

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: translucent marvelous tattoo

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: free-loading swashbuckling state dysfunction



(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: translucent marvelous tattoo

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: free-loading swashbuckling state dysfunction



(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: Purple razzle idea he suggested generalized bond

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: Medicated Mental Disorder Clown

*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: khaki piazza pistol

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: abnormal feces circlehead

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: khaki piazza pistol

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: racy principal's office hunting ground

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: razzle-dazzle giraffe point

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: brilliant metal cruise ship

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: free-loading swashbuckling state dysfunction



(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: Curious frum plaza gaming laptop

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: rough-skinned bat-shit-crazy church building alpha

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: Impressive Appetizing School Cafeteria International Law Enforcement Agency

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: rough-skinned bat-shit-crazy church building alpha



(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: cocky white knife menage

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: cocky white knife menage



(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: big henna potus affirmative action

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: Out-of-control lodge main people

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: yellow alcoholic lay

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: Out-of-control lodge main people

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: yellow alcoholic lay

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: galvanic haunted graveyard ticket booth

(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: Dull 180 becky temple

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: cocky white knife menage

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: yellow alcoholic lay

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: floppy field gaping

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: Odious Fighting Hell

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: brilliant metal cruise ship



(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: floppy field gaping

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: Maize Spot

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: floppy field gaping

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: Maize Spot

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: brilliant metal cruise ship

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: brilliant metal cruise ship

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: floppy field gaping

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: brilliant metal cruise ship

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: Pungent indigo marketing idea

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: fantasy-prone bistre factory reset button messiness

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: aphrodisiac drab mexican

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: Pungent indigo marketing idea

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: salmon fortuitous meteor hall

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: contagious narrow-minded dragon multi-billionaire



(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: titillating fat ankles

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: free-loading swashbuckling state dysfunction



(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)