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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...
lake razzmatazz range athletic conference
  02/07/14
(Dave Ramsey)
Buck-toothed New Version
  12/10/14
Germany bull
Iridescent sanctuary giraffe
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
laughsome filthpig
  02/07/14
...
Brilliant Histrionic Orchestra Pit Messiness
  02/08/14
yep
haunting headpube pervert
  02/07/14
what is the apr on this
Gaped Shitlib
  02/07/14
12% lol.
comical plaza
  02/07/14
fucking boomers
galvanic son of senegal school cafeteria
  02/07/14
...
may his bones be crushed
  04/13/26
...
lake razzmatazz range athletic conference
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
Dashing organic girlfriend
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
Translucent hyperventilating church building
  02/07/14
180
Dashing organic girlfriend
  02/07/14
...
Bipolar beady-eyed temple bbw
  02/08/14
...
Self-centered Unhinged Market Crotch
  02/13/15
...
tan pungent masturbator
  04/18/16
...
Dashing organic girlfriend
  02/20/17
...
anal boyish degenerate
  02/20/17
...
tan pungent masturbator
  07/08/17
...
lake razzmatazz range athletic conference
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
Dashing organic girlfriend
  02/07/14
...
lake razzmatazz range athletic conference
  02/07/14
(guy who recently watched The Secret)
Dashing organic girlfriend
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
Dashing organic girlfriend
  02/07/14
(Boomer in 2006 buying third investment property)
Dashing organic girlfriend
  02/07/14
this will not occur over the next 40 years
Brindle misunderstood nowag turdskin
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
multi-colored indian lodge trump supporter
  02/07/14
...
lake razzmatazz range athletic conference
  02/07/14
Compare the demographics, foreign competition, and regulator...
Brindle misunderstood nowag turdskin
  12/10/14
...
Brindle misunderstood nowag turdskin
  04/18/16
A true genius
Brindle misunderstood nowag turdskin
  09/29/16
...
Buff corner cuck
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
Brindle misunderstood nowag turdskin
  04/18/16
Just do assume 12% returns for 45 years
Hideous Roast Beef Affirmative Action
  02/07/14
...
lake razzmatazz range athletic conference
  02/07/14
CR incredibly retarded
Brindle misunderstood nowag turdskin
  02/07/14
It doesn't change regardless of rate.
multi-colored indian lodge trump supporter
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
Brindle misunderstood nowag turdskin
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
Cyan karate lay
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
judgmental brunch
  02/07/14
...
lake razzmatazz range athletic conference
  02/07/14
this will not be the case for the next 50 years
Brindle misunderstood nowag turdskin
  02/07/14
(Suze Orman after a few too many glasses of wine)
Twinkling sound barrier
  02/07/14
lol'd
curious toaster hospital
  04/18/16
haha
carnelian den
  09/29/16
...
Dashing organic girlfriend
  02/20/17
...
multi-colored indian lodge trump supporter
  02/20/17
...
hot kitty cat fortuitous meteor
  02/20/17
...
irradiated corn cake shrine
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
marvelous olive whorehouse chad
  02/07/14
...
lake razzmatazz range athletic conference
  02/07/14
Not if returns were negative when/in the years immediately f...
marvelous olive whorehouse chad
  02/07/14
...
lake razzmatazz range athletic conference
  02/07/14
? All the hypo supposes is that you start investing in yo...
marvelous olive whorehouse chad
  02/07/14
...
lake razzmatazz range athletic conference
  02/07/14
YOUR personal rate of return is different from the market's ...
marvelous olive whorehouse chad
  02/07/14
...
lake razzmatazz range athletic conference
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
marvelous olive whorehouse chad
  02/07/14
...
lake razzmatazz range athletic conference
  02/07/14
you realize that to obtain the returns you stated above, one...
Translucent hyperventilating church building
  02/07/14
...
lake razzmatazz range athletic conference
  02/07/14
jfc why does she write shit like this
flickering locale pisswyrm
  07/09/17
This is true for everything ever.
hilarious diverse main people
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
comical plaza
  02/07/14
U r 36? LOLOL
laughsome filthpig
  02/07/14
34 but I put more money than $2000 per year in there.
comical plaza
  02/07/14
Damen. How does it feel to be literally half done with life?
laughsome filthpig
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
comical plaza
  02/07/14
Goal retirement age??
laughsome filthpig
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
comical plaza
  02/07/14
Any family pressure to get married??
laughsome filthpig
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
comical plaza
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
adventurous rigor location
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
Pearly halford rehab
  02/07/14
...
lake razzmatazz range athletic conference
  02/07/14
Doctors are done here
laughsome filthpig
  02/07/14
...
concupiscible deranged hall
  02/13/15
...
federal state
  02/20/17
...
light sneaky criminal french chef
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
comical plaza
  02/07/14
What were u doing at 22?
laughsome filthpig
  02/07/14
crappy consulting firm do municipal bond analysis.
comical plaza
  02/07/14
you should've gone into finance, instead. you'd have a milli...
marvelous olive whorehouse chad
  02/07/14
I was too lazy in college, but yeah would have been a good i...
comical plaza
  02/07/14
$38k was a decent starting salary in 1995...?
Fiercely-loyal menage fat ankles
  02/08/14
my gf doesn't even have a credit card. she's 24
pink pea-brained patrolman antidepressant drug
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
glassy bateful doctorate legend
  02/07/14
...
lake razzmatazz range athletic conference
  02/07/14
yes arthur is fucked, ben pwns him
glassy bateful doctorate legend
  02/07/14
Twist: Arthur was swimming in student loan debt
Dashing organic girlfriend
  02/07/14
...
Talking Mad-dog Skullcap
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
Indigo Business Firm Gunner
  02/07/14
...
jet-lagged insecure point marketing idea
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
magical appetizing friendly grandma
  02/07/14
True, the idea that investing early is a good idea sure didn...
Indigo Business Firm Gunner
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
razzle-dazzle parlour double fault
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
razzle-dazzle parlour double fault
  07/08/17
Right. The person who started investing earlier is still in ...
Silver old irish cottage
  07/09/17
I think the more interesting hypo is a guy who starts invest...
seedy pocket flask
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
jet-lagged insecure point marketing idea
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
heady hateful gaming laptop address
  02/07/14
I still think it's more credited to maintain liquidity and i...
yellow heaven
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
comical plaza
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
Indigo Business Firm Gunner
  02/07/14
(cgm)
contagious ruddy legal warrant base
  02/07/14
What does this look like if you assume 6% returns?
Cracking Shivering School Windowlicker
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
canary mind-boggling internal respiration
  02/08/14
...
lake razzmatazz range athletic conference
  02/17/14
not really. my parents had very little just 20 years ago...
cowardly cuckold gas station
  02/08/14
...
lake razzmatazz range athletic conference
  02/10/14
...
cocky mental disorder stag film
  07/08/17
So your telling me that if I make a lot of money ill do well...
Aggressive Flatulent Ladyboy Field
  12/10/14
...
lake razzmatazz range athletic conference
  05/14/14
...
lake razzmatazz range athletic conference
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
citrine sexy senate boltzmann
  12/10/14
...
lake razzmatazz range athletic conference
  12/10/14
...
lake razzmatazz range athletic conference
  02/13/15
this is retarded. for most of us, that would have meant soc...
cobalt casino faggot firefighter
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
concupiscible deranged hall
  02/13/15
...
lake razzmatazz range athletic conference
  02/13/15
we're in a bubble right now, so all of those figures are bul...
cobalt casino faggot firefighter
  02/13/15
...
lake razzmatazz range athletic conference
  02/13/15
A year later after bitching in this thread, I have fucking $...
comical plaza
  02/13/15
...
lake razzmatazz range athletic conference
  02/13/15
What has your APR been?
hairraiser massive useless brakes
  02/13/15
how much money did you have in cash on the sidelines from th...
avocado sinister rigpig parlor
  02/13/15
...
lake razzmatazz range athletic conference
  12/29/15
...
lake razzmatazz range athletic conference
  04/18/16
I remember a teacher showing us this kind of chart back arou...
obsidian trip roommate
  04/18/16
wise move
Floppy Hunting Ground People Who Are Hurt
  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.
splenetic goyim public bath
  04/18/16
...
lake razzmatazz range athletic conference
  04/18/16
This is false and assumes one continues working a cookie-cut...
cowardly cuckold gas station
  04/18/16
just do >10% growth every year. worked for bernie madoff
blathering azn library
  04/18/16
This bort is retarded.
multi-colored indian lodge trump supporter
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
Charismatic Lemon Factory Reset Button
  04/18/16
...
lake razzmatazz range athletic conference
  04/18/16
you pointed it out above several times, and each time you go...
Charismatic Lemon Factory Reset Button
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
mahogany adulterous hell
  04/18/16
The real reason this chart is dumb is because of inflation. ...
poppy vibrant reading party kitty
  04/18/16
...
lake razzmatazz range athletic conference
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
poppy vibrant reading party kitty
  04/18/16
...
lake razzmatazz range athletic conference
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
Snowy stimulating sex offender
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
Twisted odious hissy fit
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
embarrassed to the bone prole lettuce
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
dull spot
  02/20/17
I agree generally that returns will be lower. But if you ask...
embarrassed to the bone prole lettuce
  02/20/17
saving for retirement is flame. just slide and let do
Coral Cerebral Cuckoldry Trailer Park
  04/18/16
cr
Charismatic Lemon Factory Reset Button
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
light sneaky criminal french chef
  09/29/16
...
lake razzmatazz range athletic conference
  09/29/16
How do they get 10% retune every year
demanding arousing station
  09/29/16
noob investor question, but isn't this idea kind of self per...
Fragrant useless cruise ship wagecucks
  09/29/16
Student loan interest exceeds most investment returns so tha...
citrine sexy senate boltzmann
  09/29/16
...
Fragrant useless cruise ship wagecucks
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
Aphrodisiac impertinent dysfunction
  02/20/17
...
Aphrodisiac impertinent dysfunction
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
Big low-t national security agency
  07/08/17
COMPOUND INT--*nuke melts face*
Motley Newt Keepsake Machete
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
lascivious unholy chapel
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
Motley Newt Keepsake Machete
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
lascivious unholy chapel
  07/08/17
(Not a rental property owner)
Brindle misunderstood nowag turdskin
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
Silver old irish cottage
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
Aphrodisiac impertinent dysfunction
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
lascivious unholy chapel
  07/08/17
now show me the table for $300K at 8% in student loans
ebony property
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
Chestnut love of her life dingle berry
  07/08/17
...
light sneaky criminal french chef
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
ebony property
  07/08/17
data entry
cocky mental disorder stag film
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
ebony property
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
cocky mental disorder stag film
  07/08/17
CR
light sneaky criminal french chef
  07/08/17
Admin assistant
light sneaky criminal french chef
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
ebony property
  07/08/17
According to the chart all you need to invest is like 2k a y...
light sneaky criminal french chef
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
Aqua famous landscape painting
  07/08/17
things barzini knew and did that you did not for $200, alex
Talking Mad-dog Skullcap
  07/09/17
I think a much more sure bet is Social Security taxes being ...
disgusting chocolate office
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
Aqua famous landscape painting
  07/08/17
Investment compounding is the single biggest scam the inve...
canary mind-boggling internal respiration
  07/09/17
...
insane razzle theatre community account
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
irradiated corn cake shrine
  08/23/17
...
lake razzmatazz range athletic conference
  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: lake razzmatazz range athletic conference

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: Buck-toothed New Version

(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: Iridescent sanctuary giraffe
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: laughsome filthpig

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: Brilliant Histrionic Orchestra Pit Messiness



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: haunting headpube pervert

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: Gaped Shitlib

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: comical plaza

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: galvanic son of senegal school cafeteria

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: lake razzmatazz range athletic conference



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Dashing organic girlfriend

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: Translucent hyperventilating church building

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: Dashing organic girlfriend

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: Bipolar beady-eyed temple bbw



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: Self-centered Unhinged Market Crotch



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: tan pungent masturbator



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: Dashing organic girlfriend



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: anal boyish degenerate



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: tan pungent masturbator



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: lake razzmatazz range athletic conference



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Dashing organic girlfriend

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: lake razzmatazz range athletic conference



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Dashing organic girlfriend

(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: Dashing organic girlfriend

(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: Dashing organic girlfriend

(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: Brindle misunderstood nowag turdskin

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: multi-colored indian lodge trump supporter

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: lake razzmatazz range athletic conference



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: Brindle misunderstood nowag turdskin

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: Brindle misunderstood nowag turdskin



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



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Date: September 29th, 2016 1:18 PM
Author: Brindle misunderstood nowag turdskin

A true genius

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



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Date: April 18th, 2016 7:41 AM
Author: Buff corner cuck



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



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Date: April 18th, 2016 9:11 AM
Author: Brindle misunderstood nowag turdskin

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)



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Date: February 7th, 2014 3:23 PM
Author: Hideous Roast Beef Affirmative Action

Just do assume 12% returns for 45 years

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



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Date: February 7th, 2014 3:29 PM
Author: lake razzmatazz range athletic conference



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



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Date: February 7th, 2014 3:54 PM
Author: Brindle misunderstood nowag turdskin

CR incredibly retarded

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



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Date: April 18th, 2016 8:57 AM
Author: multi-colored indian lodge trump supporter

It doesn't change regardless of rate.

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



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Date: April 18th, 2016 9:13 AM
Author: Brindle misunderstood nowag turdskin

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

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Reputation#30296270)



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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)



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Date: February 20th, 2017 9:25 AM
Author: Cyan karate lay

(finance genius)

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Reputation#32660234)



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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)



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Date: February 7th, 2014 3:23 PM
Author: judgmental brunch

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)



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Date: February 7th, 2014 3:29 PM
Author: lake razzmatazz range athletic conference



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



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Date: February 7th, 2014 3:58 PM
Author: Brindle misunderstood nowag turdskin

this will not be the case for the next 50 years



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



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Date: February 7th, 2014 3:23 PM
Author: Twinkling sound barrier

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

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



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Date: April 18th, 2016 9:35 AM
Author: curious toaster hospital

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: carnelian den

haha

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



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Date: February 20th, 2017 1:49 AM
Author: Dashing organic girlfriend



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



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Date: February 20th, 2017 8:38 AM
Author: multi-colored indian lodge trump supporter



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: hot kitty cat fortuitous meteor



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: irradiated corn cake shrine



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



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Date: February 7th, 2014 3:23 PM
Author: marvelous olive whorehouse chad

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)



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Date: February 7th, 2014 3:30 PM
Author: lake razzmatazz range athletic conference



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



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Date: February 7th, 2014 3:33 PM
Author: marvelous olive whorehouse chad

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)



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Date: February 7th, 2014 3:36 PM
Author: lake razzmatazz range athletic conference



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



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Date: February 7th, 2014 3:40 PM
Author: marvelous olive whorehouse chad

?

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: lake razzmatazz range athletic conference



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



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Date: February 7th, 2014 3:47 PM
Author: marvelous olive whorehouse chad

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)



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Date: February 7th, 2014 3:49 PM
Author: lake razzmatazz range athletic conference



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



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Date: February 7th, 2014 4:13 PM
Author: marvelous olive whorehouse chad

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: lake razzmatazz range athletic conference



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



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Date: February 7th, 2014 4:35 PM
Author: Translucent hyperventilating church building

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)



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Date: February 7th, 2014 4:41 PM
Author: lake razzmatazz range athletic conference



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



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Date: July 9th, 2017 11:26 AM
Author: flickering locale pisswyrm

jfc why does she write shit like this

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



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Date: September 29th, 2016 2:14 PM
Author: hilarious diverse main people

This is true for everything ever.

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



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Date: February 7th, 2014 3:25 PM
Author: comical plaza

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)



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Date: February 7th, 2014 3:30 PM
Author: laughsome filthpig

U r 36? LOLOL

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



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Date: February 7th, 2014 3:31 PM
Author: comical plaza

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)



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Date: February 7th, 2014 3:36 PM
Author: laughsome filthpig

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: comical plaza

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: laughsome filthpig

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: comical plaza

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: laughsome filthpig

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: comical plaza

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)



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Date: February 7th, 2014 3:32 PM
Author: adventurous rigor location

(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: Pearly halford rehab

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: lake razzmatazz range athletic conference



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: laughsome filthpig

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: concupiscible deranged hall



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: federal state



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: light sneaky criminal french chef



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: comical plaza

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: laughsome filthpig

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: comical plaza

crappy consulting firm do municipal bond analysis.

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



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Date: February 7th, 2014 3:58 PM
Author: marvelous olive whorehouse chad

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: comical plaza

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: Fiercely-loyal menage fat ankles

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

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



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Date: April 18th, 2016 9:49 AM
Author: pink pea-brained patrolman antidepressant drug

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)



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Date: February 7th, 2014 3:48 PM
Author: glassy bateful doctorate legend

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)



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Date: February 7th, 2014 3:50 PM
Author: lake razzmatazz range athletic conference



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: glassy bateful doctorate legend

yes arthur is fucked, ben pwns him

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



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Date: February 7th, 2014 3:51 PM
Author: Dashing organic girlfriend

Twist: Arthur was swimming in student loan debt

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



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Date: February 13th, 2015 5:46 PM
Author: Talking Mad-dog Skullcap



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



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Date: February 7th, 2014 4:01 PM
Author: Indigo Business Firm Gunner

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: jet-lagged insecure point marketing idea



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



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Date: February 7th, 2014 4:08 PM
Author: magical appetizing friendly grandma

*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: Indigo Business Firm Gunner

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)



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Date: September 29th, 2016 1:14 PM
Author: razzle-dazzle parlour double fault

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: razzle-dazzle parlour double fault

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)



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Date: July 9th, 2017 10:45 AM
Author: Silver 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: seedy pocket flask

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: jet-lagged insecure point marketing idea

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: heady hateful gaming laptop address

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: yellow heaven

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: comical plaza

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: Indigo Business Firm Gunner

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: contagious ruddy legal warrant base

(cgm)

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



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: Cracking Shivering School Windowlicker

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: canary mind-boggling internal respiration

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: lake razzmatazz range athletic conference



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: cowardly cuckold gas station

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: lake razzmatazz range athletic conference



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: cocky mental disorder stag film



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



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Date: December 10th, 2014 5:07 PM
Author: Aggressive Flatulent Ladyboy Field

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: lake razzmatazz range athletic conference



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: lake razzmatazz range athletic conference



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: citrine sexy senate boltzmann

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: lake razzmatazz range athletic conference



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: lake razzmatazz range athletic conference



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: cobalt casino faggot firefighter

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: concupiscible deranged hall

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: lake razzmatazz range athletic conference



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: cobalt casino faggot firefighter

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: lake razzmatazz range athletic conference



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: comical plaza

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: lake razzmatazz range athletic conference



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



Reply Favorite

Date: February 13th, 2015 5:53 PM
Author: hairraiser massive useless brakes

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: avocado sinister rigpig parlor

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: lake razzmatazz range athletic conference



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



Reply Favorite

Date: April 18th, 2016 7:18 AM
Author: lake razzmatazz range athletic conference



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



Reply Favorite

Date: April 18th, 2016 7:47 AM
Author: obsidian trip roommate

I remember a teacher showing us this kind of chart back around 1996 and I just ignored it.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Reputation#30296076)



Reply Favorite

Date: April 18th, 2016 8:17 AM
Author: Floppy Hunting Ground People Who Are Hurt

wise move

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



Reply Favorite

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

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

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



Reply Favorite

Date: April 18th, 2016 7:49 AM
Author: splenetic goyim public bath

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

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



Reply Favorite

Date: April 18th, 2016 9:40 AM
Author: lake razzmatazz range athletic conference



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



Reply Favorite

Date: April 18th, 2016 7:50 AM
Author: cowardly cuckold gas station

This is false and assumes one continues working a cookie-cutter job with 3% annual pay-raise their entire working life.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Reputation#30296082)



Reply Favorite

Date: April 18th, 2016 8:51 AM
Author: blathering azn library

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

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



Reply Favorite

Date: April 18th, 2016 8:57 AM
Author: multi-colored indian lodge trump supporter

This bort is retarded.

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



Reply Favorite

Date: April 18th, 2016 9:04 AM
Author: Charismatic Lemon Factory Reset Button

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: lake razzmatazz range athletic conference



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



Reply Favorite

Date: April 18th, 2016 10:04 AM
Author: Charismatic Lemon Factory Reset Button

you pointed it out above several times, and each time you got subsequently pwned in short order

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Reputation#30296421)



Reply Favorite

Date: April 18th, 2016 9:20 AM
Author: mahogany adulterous hell

http://imgur.com/gnMx2MX

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

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



Reply Favorite

Date: April 18th, 2016 9:20 AM
Author: poppy vibrant reading party kitty

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: lake razzmatazz range athletic conference



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



Reply Favorite

Date: April 18th, 2016 9:50 AM
Author: poppy vibrant reading party kitty

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: lake razzmatazz range athletic conference



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



Reply Favorite

Date: July 8th, 2017 11:01 AM
Author: Snowy stimulating sex offender

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

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



Reply Favorite

Date: September 15th, 2023 11:41 AM
Author: Twisted odious hissy fit

*assumes 3% inflation*

*fade in cannibal holocaust theme*

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



Reply Favorite

Date: April 18th, 2016 9:24 AM
Author: embarrassed to the bone prole lettuce

Yea 10 percent is retarded, but the gist of the argument is right. Early investments have a bigger bang for their buck when it's said and done. Invest as much as you can, as early as you can, in a low cost index. Profit (when you are old as fuck).

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Reputation#30296303)



Reply Favorite

Date: February 20th, 2017 3:10 AM
Author: dull spot

no shit but we;'re going to see HISTORICALLY low returns from this pt out, we ARE SO FUCKITY FUCKED

401K = SCAMs

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Reputation#32659870)



Reply Favorite

Date: February 20th, 2017 7:57 AM
Author: embarrassed to the bone prole lettuce

I agree generally that returns will be lower. But if you asked me in 08 if we were fucked I'd say yes - and the market has gone crazy since then. I thought trump would lead to a market correction, and yet we have the trump rally.

Don't be a boomer, save your money.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Reputation#32660046)



Reply Favorite

Date: April 18th, 2016 9:57 AM
Author: Coral Cerebral Cuckoldry Trailer Park

saving for retirement is flame. just slide and let do

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



Reply Favorite

Date: April 18th, 2016 10:04 AM
Author: Charismatic Lemon Factory Reset Button

cr

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



Reply Favorite

Date: September 29th, 2016 10:24 AM
Author: light sneaky criminal french chef

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: lake razzmatazz range athletic conference



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



Reply Favorite

Date: September 29th, 2016 1:21 PM
Author: demanding arousing station

How do they get 10% retune every year

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



Reply Favorite

Date: September 29th, 2016 2:04 PM
Author: Fragrant useless cruise ship wagecucks

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

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

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



Reply Favorite

Date: September 29th, 2016 2:12 PM
Author: citrine sexy senate boltzmann

Student loan interest exceeds most investment returns so that should be priority #1 if you have it.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Reputation#31521840)



Reply Favorite

Date: September 29th, 2016 4:48 PM
Author: Fragrant useless cruise ship wagecucks



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



Reply Favorite

Date: February 20th, 2017 8:11 AM
Author: Aphrodisiac impertinent dysfunction

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: Aphrodisiac impertinent dysfunction



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



Reply Favorite

Date: July 8th, 2017 9:40 AM
Author: Big low-t national security agency

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

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



Reply Favorite

Date: July 8th, 2017 9:46 AM
Author: Motley Newt Keepsake Machete

COMPOUND INT--*nuke melts face*

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



Reply Favorite

Date: July 8th, 2017 9:50 AM
Author: lascivious unholy chapel

Lol at everyone wagecucking there lives away for GC to save money they can't touch for 30-40 years and repeating the advice like brainwashed apes

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Reputation#33727671)



Reply Favorite

Date: July 8th, 2017 9:52 AM
Author: Motley Newt Keepsake Machete

I find my rent seeking behavior is paying off better. Just a few homes and I'm making 4K extra every month with rarely having to lift a finger.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Reputation#33727675)



Reply Favorite

Date: July 8th, 2017 9:54 AM
Author: lascivious unholy chapel

20k liquid and 10k+ per month in passive income >>>>>>>>>>>>>>>> GC cucking the best years of your life to build a fraudlies "tax deferred" portfolio and get gaped on taxes at retirement

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Reputation#33727681)



Reply Favorite

Date: July 8th, 2017 10:16 AM
Author: Brindle misunderstood nowag turdskin

(Not a rental property owner)

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



Reply Favorite

Date: July 9th, 2017 11:14 AM
Author: Silver 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)



Reply Favorite

Date: July 8th, 2017 10:05 AM
Author: Aphrodisiac impertinent dysfunction

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

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



Reply Favorite

Date: July 8th, 2017 10:06 AM
Author: lascivious unholy chapel

Naw man my 30s have been 180 billion. Still young and free but fuckloads of money instead of broke

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Reputation#33727719)



Reply Favorite

Date: July 8th, 2017 12:06 PM
Author: ebony property

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

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



Reply Favorite

Date: July 8th, 2017 12:13 PM
Author: Chestnut love of her life dingle berry

imagine if you lived at home and worked at a 40k a year job from 19-25 or 26. invested it all. then went to college. you'd have it made. no one tells you this

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Reputation#33728056)



Reply Favorite

Date: July 8th, 2017 12:28 PM
Author: light sneaky criminal french chef



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



Reply Favorite

Date: July 8th, 2017 12:30 PM
Author: ebony property

lol, what $40K per year job do you think a 19 year old with a high school diploma can get?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Reputation#33728113)



Reply Favorite

Date: July 8th, 2017 12:32 PM
Author: cocky mental disorder stag film

data entry

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



Reply Favorite

Date: July 8th, 2017 12:46 PM
Author: ebony property

link to $40K data entry job that a 19 year old with a high school degree and no experience is qualified for?

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Reputation#33728151)



Reply Favorite

Date: July 8th, 2017 1:03 PM
Author: cocky mental disorder stag film

I made about 30k as a bus boy when i was 16 working part time. 40k fulltime gig would be easy to swing.. even if through 2 part time jobs at restaurants etc

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Reputation#33728219)



Reply Favorite

Date: July 8th, 2017 1:04 PM
Author: light sneaky criminal french chef

CR

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



Reply Favorite

Date: July 8th, 2017 12:32 PM
Author: light sneaky criminal french chef

Admin assistant

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



Reply Favorite

Date: July 8th, 2017 12:45 PM
Author: ebony property

lol what? first, no one is going to hire a no-experience 19 year old admin assistant when there are 10 and 20 year veterans applying for the same job. second, those jobs pay like $26K.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Reputation#33728148)



Reply Favorite

Date: July 8th, 2017 12:57 PM
Author: light sneaky criminal french chef

According to the chart all you need to invest is like 2k a year and you're pretty much set for retirement...just get ANY fucking job until age 26

go be a front desk person/work as receptionist

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Reputation#33728193)



Reply Favorite

Date: July 8th, 2017 1:26 PM
Author: Aqua famous landscape painting

cr chart is totally what happens IRL just stuff away 10k in stock at 18 = million$$$

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Reputation#33728308)



Reply Favorite

Date: July 9th, 2017 11:10 AM
Author: Talking Mad-dog Skullcap

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

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



Reply Favorite

Date: July 8th, 2017 12:45 PM
Author: disgusting chocolate office

I think a much more sure bet is Social Security taxes being raised to shore up the program, so I'll just YOLO out and rely on that.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Reputation#33728150)



Reply Favorite

Date: July 8th, 2017 1:27 PM
Author: Aqua famous landscape painting

My 3k in savings from govt job at 23 is now worth 5k. Holy fuck I'm gonna be rich!!!!!

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Reputation#33728311)



Reply Favorite

Date: July 9th, 2017 11:21 AM
Author: canary mind-boggling internal respiration

Investment compounding is the single biggest scam the investment/retirement community uses to grab your money.

The Future value investment analysis assumes a guaranteed return with zero draw-down. The overall markets (S%P), and less than 1% of stocks follow the interest rate return curve.

The market curve more closely follows the short-memory timespan which is roughty 10 years for each new generation (87, 00, 09, ...next?)



(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2Reputation#33734215)



Reply Favorite

Date: August 22nd, 2017 7:26 PM
Author: insane razzle theatre community account



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



Reply Favorite

Date: August 23rd, 2017 11:19 AM
Author: irradiated corn cake shrine

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

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



Reply Favorite

Date: September 15th, 2023 11:28 AM
Author: lake razzmatazz range athletic conference



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



Reply Favorite

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

how’d we all do?

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



Reply Favorite

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

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

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



Reply Favorite

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



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