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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...
erotic circlehead digit ratio
  02/07/14
(Dave Ramsey)
marvelous offensive factory reset button piazza
  12/10/14
Germany bull
khaki reading party
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
Azure chapel half-breed
  02/07/14
...
Supple Blathering Hospital Coffee Pot
  02/08/14
yep
violet resort
  02/07/14
what is the apr on this
twinkling costumed kitty
  02/07/14
12% lol.
aromatic rambunctious indirect expression
  02/07/14
fucking boomers
talking gas station affirmative action
  02/07/14
...
may his bones be crushed
  04/13/26
...
erotic circlehead digit ratio
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
startling forum
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
racy feces
  02/07/14
180
startling forum
  02/07/14
...
Submissive Maniacal Principal's Office
  02/08/14
...
Underhanded newt
  02/13/15
...
Gaped native jap
  04/18/16
...
startling forum
  02/20/17
...
massive bateful patrolman
  02/20/17
...
Gaped native jap
  07/08/17
...
erotic circlehead digit ratio
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
startling forum
  02/07/14
...
erotic circlehead digit ratio
  02/07/14
(guy who recently watched The Secret)
startling forum
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
startling forum
  02/07/14
(Boomer in 2006 buying third investment property)
startling forum
  02/07/14
this will not occur over the next 40 years
dark hyperventilating set
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
elite vivacious brunch roommate
  02/07/14
...
erotic circlehead digit ratio
  02/07/14
Compare the demographics, foreign competition, and regulator...
dark hyperventilating set
  12/10/14
...
dark hyperventilating set
  04/18/16
A true genius
dark hyperventilating set
  09/29/16
...
chest-beating up-to-no-good toaster university
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
dark hyperventilating set
  04/18/16
Just do assume 12% returns for 45 years
hairraiser public bath
  02/07/14
...
erotic circlehead digit ratio
  02/07/14
CR incredibly retarded
dark hyperventilating set
  02/07/14
It doesn't change regardless of rate.
elite vivacious brunch roommate
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
dark hyperventilating set
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
At-the-ready crystalline toilet seat market
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
Boyish gay wizard
  02/07/14
...
erotic circlehead digit ratio
  02/07/14
this will not be the case for the next 50 years
dark hyperventilating set
  02/07/14
(Suze Orman after a few too many glasses of wine)
Nofapping Floppy Psychic
  02/07/14
lol'd
Slate indian lodge new version
  04/18/16
haha
vibrant base
  09/29/16
...
startling forum
  02/20/17
...
elite vivacious brunch roommate
  02/20/17
...
stirring coldplay fan
  02/20/17
...
fragrant whorehouse marketing idea
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
frozen temple
  02/07/14
...
erotic circlehead digit ratio
  02/07/14
Not if returns were negative when/in the years immediately f...
frozen temple
  02/07/14
...
erotic circlehead digit ratio
  02/07/14
? All the hypo supposes is that you start investing in yo...
frozen temple
  02/07/14
...
erotic circlehead digit ratio
  02/07/14
YOUR personal rate of return is different from the market's ...
frozen temple
  02/07/14
...
erotic circlehead digit ratio
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
frozen temple
  02/07/14
...
erotic circlehead digit ratio
  02/07/14
you realize that to obtain the returns you stated above, one...
racy feces
  02/07/14
...
erotic circlehead digit ratio
  02/07/14
jfc why does she write shit like this
sick judgmental point selfie
  07/09/17
This is true for everything ever.
out-of-control center son of senegal
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
aromatic rambunctious indirect expression
  02/07/14
U r 36? LOLOL
Azure chapel half-breed
  02/07/14
34 but I put more money than $2000 per year in there.
aromatic rambunctious indirect expression
  02/07/14
Damen. How does it feel to be literally half done with life?
Azure chapel half-breed
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
aromatic rambunctious indirect expression
  02/07/14
Goal retirement age??
Azure chapel half-breed
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
aromatic rambunctious indirect expression
  02/07/14
Any family pressure to get married??
Azure chapel half-breed
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
aromatic rambunctious indirect expression
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
Glassy mind-boggling trailer park
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
Lascivious stock car
  02/07/14
...
erotic circlehead digit ratio
  02/07/14
Doctors are done here
Azure chapel half-breed
  02/07/14
...
Buff fanboi national
  02/13/15
...
orchid contagious dopamine step-uncle's house
  02/20/17
...
Ebony Razzle-dazzle Idiot
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
aromatic rambunctious indirect expression
  02/07/14
What were u doing at 22?
Azure chapel half-breed
  02/07/14
crappy consulting firm do municipal bond analysis.
aromatic rambunctious indirect expression
  02/07/14
you should've gone into finance, instead. you'd have a milli...
frozen temple
  02/07/14
I was too lazy in college, but yeah would have been a good i...
aromatic rambunctious indirect expression
  02/07/14
$38k was a decent starting salary in 1995...?
Dun Sweet Tailpipe Antidepressant Drug
  02/08/14
my gf doesn't even have a credit card. she's 24
Useless shrine rigpig
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
maize bearded orchestra pit laser beams
  02/07/14
...
erotic circlehead digit ratio
  02/07/14
yes arthur is fucked, ben pwns him
maize bearded orchestra pit laser beams
  02/07/14
Twist: Arthur was swimming in student loan debt
startling forum
  02/07/14
...
Primrose vigorous really tough guy area
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
Slimy business firm milk
  02/07/14
...
concupiscible den
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
Know-it-all histrionic space idea he suggested
  02/07/14
True, the idea that investing early is a good idea sure didn...
Slimy business firm milk
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
Cowardly chartreuse gaping
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
Cowardly chartreuse gaping
  07/08/17
Right. The person who started investing earlier is still in ...
violent fuchsia double fault
  07/09/17
I think the more interesting hypo is a guy who starts invest...
Excitant french address therapy
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
concupiscible den
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
filthy stead
  02/07/14
I still think it's more credited to maintain liquidity and i...
Jet glittery tanning salon
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
aromatic rambunctious indirect expression
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
Slimy business firm milk
  02/07/14
(cgm)
Fluffy trump supporter rehab
  02/07/14
What does this look like if you assume 6% returns?
Rose razzle chad masturbator
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
Heady mint stain hissy fit
  02/08/14
...
erotic circlehead digit ratio
  02/17/14
not really. my parents had very little just 20 years ago...
carmine property halford
  02/08/14
...
erotic circlehead digit ratio
  02/10/14
...
aphrodisiac sooty tank giraffe
  07/08/17
So your telling me that if I make a lot of money ill do well...
abusive hall depressive
  12/10/14
...
erotic circlehead digit ratio
  05/14/14
...
erotic circlehead digit ratio
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
cerebral location nibblets
  12/10/14
...
erotic circlehead digit ratio
  12/10/14
...
erotic circlehead digit ratio
  02/13/15
this is retarded. for most of us, that would have meant soc...
cracking naked philosopher-king
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
Buff fanboi national
  02/13/15
...
erotic circlehead digit ratio
  02/13/15
we're in a bubble right now, so all of those figures are bul...
cracking naked philosopher-king
  02/13/15
...
erotic circlehead digit ratio
  02/13/15
A year later after bitching in this thread, I have fucking $...
aromatic rambunctious indirect expression
  02/13/15
...
erotic circlehead digit ratio
  02/13/15
What has your APR been?
avocado splenetic parlour private investor
  02/13/15
how much money did you have in cash on the sidelines from th...
hateful seedy range
  02/13/15
...
erotic circlehead digit ratio
  12/29/15
...
erotic circlehead digit ratio
  04/18/16
I remember a teacher showing us this kind of chart back arou...
Titillating pit
  04/18/16
wise move
odious ultramarine site
  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.
Laughsome mustard turdskin stage
  04/18/16
...
erotic circlehead digit ratio
  04/18/16
This is false and assumes one continues working a cookie-cut...
carmine property halford
  04/18/16
just do >10% growth every year. worked for bernie madoff
Bearded mentally impaired codepig
  04/18/16
This bort is retarded.
elite vivacious brunch roommate
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
curious filthpig wrinkle
  04/18/16
...
erotic circlehead digit ratio
  04/18/16
you pointed it out above several times, and each time you go...
curious filthpig wrinkle
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
Zippy Plaza
  04/18/16
The real reason this chart is dumb is because of inflation. ...
Copper Cruise Ship
  04/18/16
...
erotic circlehead digit ratio
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
Copper Cruise Ship
  04/18/16
...
erotic circlehead digit ratio
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
Free-loading state
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
provocative flatulent lay
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
rough-skinned appetizing sex offender ladyboy
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
Apoplectic Stag Film
  02/20/17
I agree generally that returns will be lower. But if you ask...
rough-skinned appetizing sex offender ladyboy
  02/20/17
saving for retirement is flame. just slide and let do
Stimulating death wish
  04/18/16
cr
curious filthpig wrinkle
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
Ebony Razzle-dazzle Idiot
  09/29/16
...
erotic circlehead digit ratio
  09/29/16
How do they get 10% retune every year
metal exciting water buffalo
  09/29/16
noob investor question, but isn't this idea kind of self per...
Adventurous duck-like menage volcanic crater
  09/29/16
Student loan interest exceeds most investment returns so tha...
cerebral location nibblets
  09/29/16
...
Adventurous duck-like menage volcanic crater
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
Tripping School
  02/20/17
...
Tripping School
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
translucent theater quadroon
  07/08/17
COMPOUND INT--*nuke melts face*
territorial queen of the night
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
Green Office Community Account
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
territorial queen of the night
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
Green Office Community Account
  07/08/17
(Not a rental property owner)
dark hyperventilating set
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
violent fuchsia double fault
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
Tripping School
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
Green Office Community Account
  07/08/17
now show me the table for $300K at 8% in student loans
Motley Pontificating Mad Cow Disease
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
Insecure mischievous love of her life
  07/08/17
...
Ebony Razzle-dazzle Idiot
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
Motley Pontificating Mad Cow Disease
  07/08/17
data entry
aphrodisiac sooty tank giraffe
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
Motley Pontificating Mad Cow Disease
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
aphrodisiac sooty tank giraffe
  07/08/17
CR
Ebony Razzle-dazzle Idiot
  07/08/17
Admin assistant
Ebony Razzle-dazzle Idiot
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
Motley Pontificating Mad Cow Disease
  07/08/17
According to the chart all you need to invest is like 2k a y...
Ebony Razzle-dazzle Idiot
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
Burgundy sound barrier library
  07/08/17
things barzini knew and did that you did not for $200, alex
Primrose vigorous really tough guy area
  07/09/17
I think a much more sure bet is Social Security taxes being ...
talented pea-brained kitchen karate
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
Burgundy sound barrier library
  07/08/17
Investment compounding is the single biggest scam the inve...
Heady mint stain hissy fit
  07/09/17
...
canary station friendly grandma
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
fragrant whorehouse marketing idea
  08/23/17
...
erotic circlehead digit ratio
  09/15/23
how’d we all do?
"'''''"'''"""''''"
  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: erotic circlehead digit ratio

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

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



Reply Favorite

Date: December 10th, 2014 4:58 PM
Author: marvelous offensive factory reset button piazza

(Dave Ramsey)

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



Reply Favorite

Date: September 15th, 2023 12:25 PM
Author: khaki reading party
Subject: Germany bull

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

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



Reply Favorite

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



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: Azure chapel half-breed

Brb transferring money to my roth

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



Reply Favorite

Date: February 8th, 2014 10:44 AM
Author: Supple Blathering Hospital Coffee Pot



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: violet resort

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: twinkling costumed kitty

what is the apr on this

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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: aromatic rambunctious indirect expression

12% lol.

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



Reply Favorite

Date: February 7th, 2014 3:25 PM
Author: talking gas station affirmative action

fucking boomers

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



Reply Favorite

Date: February 7th, 2014 3:28 PM
Author: erotic circlehead digit ratio



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: startling forum

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=2#24973943)



Reply Favorite

Date: February 7th, 2014 3:34 PM
Author: racy feces

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=2#24973956)



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: startling forum

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: Submissive Maniacal Principal's Office



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: Underhanded newt



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: Gaped native jap



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: startling forum



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: massive bateful patrolman



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: Gaped native jap



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: erotic circlehead digit ratio



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: startling forum

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=2#24974015)



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: erotic circlehead digit ratio



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: startling forum

(guy who recently watched The Secret)

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



Reply Favorite

Date: February 7th, 2014 3:56 PM
Author: startling forum

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

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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: startling forum

(Boomer in 2006 buying third investment property)

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



Reply Favorite

Date: February 7th, 2014 3:59 PM
Author: dark hyperventilating set

this will not occur over the next 40 years

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



Reply Favorite

Date: February 7th, 2014 4:36 PM
Author: elite vivacious brunch roommate

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=2#24974300)



Reply Favorite

Date: February 7th, 2014 4:40 PM
Author: erotic circlehead digit ratio



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: dark hyperventilating set

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=2#26902473)



Reply Favorite

Date: April 18th, 2016 9:12 AM
Author: dark hyperventilating set



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: dark hyperventilating set

A true genius

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



Reply Favorite

Date: April 18th, 2016 7:41 AM
Author: chest-beating up-to-no-good toaster university



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: dark hyperventilating set

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=2#30296264)



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: hairraiser public bath

Just do assume 12% returns for 45 years

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



Reply Favorite

Date: February 7th, 2014 3:29 PM
Author: erotic circlehead digit ratio



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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: dark hyperventilating set

CR incredibly retarded

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



Reply Favorite

Date: April 18th, 2016 8:57 AM
Author: elite vivacious brunch roommate

It doesn't change regardless of rate.

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



Reply Favorite

Date: April 18th, 2016 9:13 AM
Author: dark hyperventilating set

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

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



Reply Favorite

Date: February 20th, 2017 9:25 AM
Author: At-the-ready crystalline toilet seat market

(finance genius)

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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Boyish gay wizard

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=2#24973885)



Reply Favorite

Date: February 7th, 2014 3:29 PM
Author: erotic circlehead digit ratio



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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: dark hyperventilating set

this will not be the case for the next 50 years



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Nofapping Floppy Psychic

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

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



Reply Favorite

Date: April 18th, 2016 9:35 AM
Author: Slate indian lodge new version

lol'd

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



Reply Favorite

Date: September 29th, 2016 10:24 AM
Author: vibrant base

haha

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



Reply Favorite

Date: February 20th, 2017 1:49 AM
Author: startling forum



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



Reply Favorite

Date: February 20th, 2017 8:38 AM
Author: elite vivacious brunch roommate



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: stirring coldplay fan



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: fragrant whorehouse marketing idea



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: frozen temple

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=2#24973892)



Reply Favorite

Date: February 7th, 2014 3:30 PM
Author: erotic circlehead digit ratio



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: frozen temple

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=2#24973941)



Reply Favorite

Date: February 7th, 2014 3:36 PM
Author: erotic circlehead digit ratio



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: frozen temple

?

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=2#24973993)



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: erotic circlehead digit ratio



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: frozen temple

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=2#24974038)



Reply Favorite

Date: February 7th, 2014 3:49 PM
Author: erotic circlehead digit ratio



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



Reply Favorite

Date: February 7th, 2014 4:13 PM
Author: frozen temple

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=2#24974177)



Reply Favorite

Date: February 7th, 2014 4:33 PM
Author: erotic circlehead digit ratio



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



Reply Favorite

Date: February 7th, 2014 4:35 PM
Author: racy feces

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=2#24974293)



Reply Favorite

Date: February 7th, 2014 4:41 PM
Author: erotic circlehead digit ratio



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



Reply Favorite

Date: July 9th, 2017 11:26 AM
Author: sick judgmental point selfie

jfc why does she write shit like this

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



Reply Favorite

Date: September 29th, 2016 2:14 PM
Author: out-of-control center son of senegal

This is true for everything ever.

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



Reply Favorite

Date: February 7th, 2014 3:25 PM
Author: aromatic rambunctious 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=2#24973900)



Reply Favorite

Date: February 7th, 2014 3:30 PM
Author: Azure chapel half-breed

U r 36? LOLOL

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



Reply Favorite

Date: February 7th, 2014 3:31 PM
Author: aromatic rambunctious 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=2#24973933)



Reply Favorite

Date: February 7th, 2014 3:36 PM
Author: Azure chapel half-breed

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

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



Reply Favorite

Date: February 7th, 2014 3:39 PM
Author: aromatic rambunctious 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=2#24973988)



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: Azure chapel half-breed

Goal retirement age??

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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: aromatic rambunctious 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=2#24974009)



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: Azure chapel half-breed

Any family pressure to get married??

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



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: aromatic rambunctious 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=2#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=2#49814674)



Reply Favorite

Date: February 7th, 2014 3:32 PM
Author: Glassy mind-boggling trailer park

(39-year-old, MAF troll)

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



Reply Favorite

Date: February 7th, 2014 3:38 PM
Author: Lascivious stock car

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=2#24973984)



Reply Favorite

Date: February 7th, 2014 3:39 PM
Author: erotic circlehead digit ratio



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Azure chapel half-breed

Doctors are done here

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



Reply Favorite

Date: February 13th, 2015 5:32 PM
Author: Buff fanboi national



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: orchid contagious dopamine step-uncle's house



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: Ebony Razzle-dazzle Idiot



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: aromatic rambunctious 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=2#24974025)



Reply Favorite

Date: February 7th, 2014 3:46 PM
Author: Azure chapel half-breed

What were u doing at 22?

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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: aromatic rambunctious indirect expression

crappy consulting firm do municipal bond analysis.

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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: frozen temple

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=2#24974087)



Reply Favorite

Date: February 7th, 2014 3:59 PM
Author: aromatic rambunctious 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=2#24974092)



Reply Favorite

Date: February 8th, 2014 10:36 AM
Author: Dun Sweet Tailpipe Antidepressant Drug

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

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



Reply Favorite

Date: April 18th, 2016 9:49 AM
Author: Useless shrine rigpig

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

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



Reply Favorite

Date: February 7th, 2014 3:48 PM
Author: maize bearded orchestra pit laser beams

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=2#24974041)



Reply Favorite

Date: February 7th, 2014 3:50 PM
Author: erotic circlehead digit ratio



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: maize bearded orchestra pit laser beams

yes arthur is fucked, ben pwns him

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



Reply Favorite

Date: February 7th, 2014 3:51 PM
Author: startling forum

Twist: Arthur was swimming in student loan debt

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



Reply Favorite

Date: February 13th, 2015 5:46 PM
Author: Primrose vigorous really tough guy area



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



Reply Favorite

Date: February 7th, 2014 4:01 PM
Author: Slimy business firm milk

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=2#24974098)



Reply Favorite

Date: February 8th, 2014 8:23 PM
Author: concupiscible den



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



Reply Favorite

Date: February 7th, 2014 4:08 PM
Author: Know-it-all histrionic space idea he suggested

*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=2#24974133)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: Slimy business firm milk

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=2#24974151)



Reply Favorite

Date: September 29th, 2016 1:14 PM
Author: Cowardly chartreuse gaping

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=2#31521424)



Reply Favorite

Date: July 8th, 2017 10:02 AM
Author: Cowardly chartreuse gaping

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=2#33727706)



Reply Favorite

Date: July 9th, 2017 10:45 AM
Author: violent fuchsia double fault

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=2#33734072)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: Excitant french address therapy

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=2#24974146)



Reply Favorite

Date: February 8th, 2014 8:23 PM
Author: concupiscible den

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=2#24980361)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: filthy stead

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=2#24974148)



Reply Favorite

Date: February 7th, 2014 4:11 PM
Author: Jet glittery tanning salon

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=2#24974156)



Reply Favorite

Date: February 7th, 2014 4:15 PM
Author: aromatic rambunctious 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=2#24974195)



Reply Favorite

Date: February 7th, 2014 4:38 PM
Author: Slimy business firm milk

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=2#24974306)



Reply Favorite

Date: February 7th, 2014 4:58 PM
Author: Fluffy trump supporter rehab

(cgm)

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



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: Rose razzle chad masturbator

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

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



Reply Favorite

Date: February 8th, 2014 10:51 AM
Author: Heady mint stain hissy fit

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=2#24977600)



Reply Favorite

Date: February 17th, 2014 11:13 AM
Author: erotic circlehead digit ratio



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: carmine property halford

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=2#24977623)



Reply Favorite

Date: February 10th, 2014 2:32 PM
Author: erotic circlehead digit ratio



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: aphrodisiac sooty tank giraffe



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: abusive hall depressive

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=2#26902507)



Reply Favorite

Date: May 14th, 2014 9:23 AM
Author: erotic circlehead digit ratio



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: erotic circlehead digit ratio



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: cerebral location nibblets

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=2#26902483)



Reply Favorite

Date: December 10th, 2014 5:10 PM
Author: erotic circlehead digit ratio



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: erotic circlehead digit ratio



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: cracking naked philosopher-king

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=2#27309317)



Reply Favorite

Date: February 13th, 2015 5:35 PM
Author: Buff fanboi national

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=2#27309326)



Reply Favorite

Date: February 13th, 2015 5:36 PM
Author: erotic circlehead digit ratio



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: cracking naked philosopher-king

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=2#27309354)



Reply Favorite

Date: February 13th, 2015 5:50 PM
Author: erotic circlehead digit ratio



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: aromatic rambunctious 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=2#27309399)



Reply Favorite

Date: February 13th, 2015 5:52 PM
Author: erotic circlehead digit ratio



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



Reply Favorite

Date: February 13th, 2015 5:53 PM
Author: avocado splenetic parlour private investor

What has your APR been?

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



Reply Favorite

Date: February 13th, 2015 6:18 PM
Author: hateful seedy range

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=2#27309632)



Reply Favorite

Date: December 29th, 2015 1:41 PM
Author: erotic circlehead digit ratio



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



Reply Favorite

Date: April 18th, 2016 7:18 AM
Author: erotic circlehead digit ratio



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



Reply Favorite

Date: April 18th, 2016 7:47 AM
Author: Titillating pit

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=2#30296076)



Reply Favorite

Date: April 18th, 2016 8:17 AM
Author: odious ultramarine site

wise move

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



Reply Favorite

Date: April 18th, 2016 7:49 AM
Author: Laughsome mustard turdskin stage

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

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



Reply Favorite

Date: April 18th, 2016 9:40 AM
Author: erotic circlehead digit ratio



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



Reply Favorite

Date: April 18th, 2016 7:50 AM
Author: carmine property halford

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=2#30296082)



Reply Favorite

Date: April 18th, 2016 8:51 AM
Author: Bearded mentally impaired codepig

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

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



Reply Favorite

Date: April 18th, 2016 8:57 AM
Author: elite vivacious brunch roommate

This bort is retarded.

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



Reply Favorite

Date: April 18th, 2016 9:04 AM
Author: curious filthpig wrinkle

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=2#30296237)



Reply Favorite

Date: April 18th, 2016 9:41 AM
Author: erotic circlehead digit ratio



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



Reply Favorite

Date: April 18th, 2016 10:04 AM
Author: curious filthpig wrinkle

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=2#30296421)



Reply Favorite

Date: April 18th, 2016 9:20 AM
Author: Zippy Plaza

http://imgur.com/gnMx2MX

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

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



Reply Favorite

Date: April 18th, 2016 9:20 AM
Author: Copper Cruise Ship

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=2#30296293)



Reply Favorite

Date: April 18th, 2016 9:45 AM
Author: erotic circlehead digit ratio



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



Reply Favorite

Date: April 18th, 2016 9:50 AM
Author: Copper Cruise Ship

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=2#30296396)



Reply Favorite

Date: April 18th, 2016 10:02 AM
Author: erotic circlehead digit ratio



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



Reply Favorite

Date: July 8th, 2017 11:01 AM
Author: Free-loading state

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

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



Reply Favorite

Date: September 15th, 2023 11:41 AM
Author: provocative flatulent lay

*assumes 3% inflation*

*fade in cannibal holocaust theme*

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



Reply Favorite

Date: April 18th, 2016 9:24 AM
Author: rough-skinned appetizing sex offender ladyboy

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=2#30296303)



Reply Favorite

Date: February 20th, 2017 3:10 AM
Author: Apoplectic Stag Film

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=2#32659870)



Reply Favorite

Date: February 20th, 2017 7:57 AM
Author: rough-skinned appetizing sex offender ladyboy

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=2#32660046)



Reply Favorite

Date: April 18th, 2016 9:57 AM
Author: Stimulating death wish

saving for retirement is flame. just slide and let do

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



Reply Favorite

Date: April 18th, 2016 10:04 AM
Author: curious filthpig wrinkle

cr

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



Reply Favorite

Date: September 29th, 2016 10:24 AM
Author: Ebony Razzle-dazzle Idiot

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

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



Reply Favorite

Date: September 29th, 2016 10:03 AM
Author: erotic circlehead digit ratio



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



Reply Favorite

Date: September 29th, 2016 1:21 PM
Author: metal exciting water buffalo

How do they get 10% retune every year

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



Reply Favorite

Date: September 29th, 2016 2:04 PM
Author: Adventurous duck-like menage volcanic crater

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=2#31521755)



Reply Favorite

Date: September 29th, 2016 2:12 PM
Author: cerebral location nibblets

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=2#31521840)



Reply Favorite

Date: September 29th, 2016 4:48 PM
Author: Adventurous duck-like menage volcanic crater



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



Reply Favorite

Date: February 20th, 2017 8:11 AM
Author: Tripping School

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=2#32660068)



Reply Favorite

Date: July 8th, 2017 9:32 AM
Author: Tripping School



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



Reply Favorite

Date: July 8th, 2017 9:40 AM
Author: translucent theater quadroon

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

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



Reply Favorite

Date: July 8th, 2017 9:46 AM
Author: territorial queen of the night

COMPOUND INT--*nuke melts face*

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



Reply Favorite

Date: July 8th, 2017 9:50 AM
Author: Green Office Community Account

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=2#33727671)



Reply Favorite

Date: July 8th, 2017 9:52 AM
Author: territorial queen of the night

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=2#33727675)



Reply Favorite

Date: July 8th, 2017 9:54 AM
Author: Green Office Community Account

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=2#33727681)



Reply Favorite

Date: July 8th, 2017 10:16 AM
Author: dark hyperventilating set

(Not a rental property owner)

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



Reply Favorite

Date: July 9th, 2017 11:14 AM
Author: violent fuchsia double fault

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=2#33734178)



Reply Favorite

Date: July 8th, 2017 10:05 AM
Author: Tripping School

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

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



Reply Favorite

Date: July 8th, 2017 10:06 AM
Author: Green Office Community Account

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=2#33727719)



Reply Favorite

Date: July 8th, 2017 12:06 PM
Author: Motley Pontificating Mad Cow Disease

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

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



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Date: July 8th, 2017 12:13 PM
Author: Insecure mischievous love of her life

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=2#33728056)



Reply Favorite

Date: July 8th, 2017 12:28 PM
Author: Ebony Razzle-dazzle Idiot



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



Reply Favorite

Date: July 8th, 2017 12:30 PM
Author: Motley Pontificating Mad Cow Disease

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=2#33728113)



Reply Favorite

Date: July 8th, 2017 12:32 PM
Author: aphrodisiac sooty tank giraffe

data entry

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



Reply Favorite

Date: July 8th, 2017 12:46 PM
Author: Motley Pontificating Mad Cow Disease

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=2#33728151)



Reply Favorite

Date: July 8th, 2017 1:03 PM
Author: aphrodisiac sooty tank giraffe

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=2#33728219)



Reply Favorite

Date: July 8th, 2017 1:04 PM
Author: Ebony Razzle-dazzle Idiot

CR

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



Reply Favorite

Date: July 8th, 2017 12:32 PM
Author: Ebony Razzle-dazzle Idiot

Admin assistant

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



Reply Favorite

Date: July 8th, 2017 12:45 PM
Author: Motley Pontificating Mad Cow Disease

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=2#33728148)



Reply Favorite

Date: July 8th, 2017 12:57 PM
Author: Ebony Razzle-dazzle Idiot

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=2#33728193)



Reply Favorite

Date: July 8th, 2017 1:26 PM
Author: Burgundy sound barrier library

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=2#33728308)



Reply Favorite

Date: July 9th, 2017 11:10 AM
Author: Primrose vigorous really tough guy area

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

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



Reply Favorite

Date: July 8th, 2017 12:45 PM
Author: talented pea-brained kitchen karate

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=2#33728150)



Reply Favorite

Date: July 8th, 2017 1:27 PM
Author: Burgundy sound barrier library

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=2#33728311)



Reply Favorite

Date: July 9th, 2017 11:21 AM
Author: Heady mint stain hissy fit

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=2#33734215)



Reply Favorite

Date: August 22nd, 2017 7:26 PM
Author: canary station friendly grandma



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



Reply Favorite

Date: August 23rd, 2017 11:19 AM
Author: fragrant whorehouse marketing idea

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=2#34051890)



Reply Favorite

Date: September 15th, 2023 11:28 AM
Author: erotic circlehead digit ratio



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



Reply Favorite

Date: April 13th, 2026 1:45 PM
Author: "'''''"'''"""''''"

how’d we all do?

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



Reply Favorite

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



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