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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...
seedy marketing idea bbw
  02/07/14
(Dave Ramsey)
Spectacular box office boiling water
  12/10/14
Germany bull
Twinkling concupiscible hell
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
Big crimson chapel
  02/07/14
...
yapping lettuce juggernaut
  02/08/14
yep
Obsidian base travel guidebook
  02/07/14
what is the apr on this
saffron tantric chad gas station
  02/07/14
12% lol.
useless institution milk
  02/07/14
fucking boomers
big-titted exhilarant meetinghouse
  02/07/14
...
may his bones be crushed
  04/13/26
...
seedy marketing idea bbw
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
Pontificating Elastic Band Theater
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
Cream voyeur
  02/07/14
180
Pontificating Elastic Band Theater
  02/07/14
...
opaque sex offender
  02/08/14
...
vivacious up-to-no-good market masturbator
  02/13/15
...
Shivering stock car
  04/18/16
...
Pontificating Elastic Band Theater
  02/20/17
...
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  02/20/17
...
Shivering stock car
  07/08/17
...
seedy marketing idea bbw
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
Pontificating Elastic Band Theater
  02/07/14
...
seedy marketing idea bbw
  02/07/14
(guy who recently watched The Secret)
Pontificating Elastic Band Theater
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
Pontificating Elastic Band Theater
  02/07/14
(Boomer in 2006 buying third investment property)
Pontificating Elastic Band Theater
  02/07/14
this will not occur over the next 40 years
Floppy state
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
Naked office
  02/07/14
...
seedy marketing idea bbw
  02/07/14
Compare the demographics, foreign competition, and regulator...
Floppy state
  12/10/14
...
Floppy state
  04/18/16
A true genius
Floppy state
  09/29/16
...
soul-stirring nursing home reading party
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
Floppy state
  04/18/16
Just do assume 12% returns for 45 years
Balding Hairy Legs
  02/07/14
...
seedy marketing idea bbw
  02/07/14
CR incredibly retarded
Floppy state
  02/07/14
It doesn't change regardless of rate.
Naked office
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
Floppy state
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
alcoholic thriller pisswyrm
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
hateful flirting hospital
  02/07/14
...
seedy marketing idea bbw
  02/07/14
this will not be the case for the next 50 years
Floppy state
  02/07/14
(Suze Orman after a few too many glasses of wine)
Vibrant Sepia Whorehouse International Law Enforcement Agency
  02/07/14
lol'd
Blathering Blood Rage
  04/18/16
haha
Puce ungodly house athletic conference
  09/29/16
...
Pontificating Elastic Band Theater
  02/20/17
...
Naked office
  02/20/17
...
aromatic piazza
  02/20/17
...
bearded honey-headed library
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
apoplectic main people
  02/07/14
...
seedy marketing idea bbw
  02/07/14
Not if returns were negative when/in the years immediately f...
apoplectic main people
  02/07/14
...
seedy marketing idea bbw
  02/07/14
? All the hypo supposes is that you start investing in yo...
apoplectic main people
  02/07/14
...
seedy marketing idea bbw
  02/07/14
YOUR personal rate of return is different from the market's ...
apoplectic main people
  02/07/14
...
seedy marketing idea bbw
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
apoplectic main people
  02/07/14
...
seedy marketing idea bbw
  02/07/14
you realize that to obtain the returns you stated above, one...
Cream voyeur
  02/07/14
...
seedy marketing idea bbw
  02/07/14
jfc why does she write shit like this
Provocative Violent Dog Poop Ticket Booth
  07/09/17
This is true for everything ever.
Glittery amethyst resort
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
useless institution milk
  02/07/14
U r 36? LOLOL
Big crimson chapel
  02/07/14
34 but I put more money than $2000 per year in there.
useless institution milk
  02/07/14
Damen. How does it feel to be literally half done with life?
Big crimson chapel
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
useless institution milk
  02/07/14
Goal retirement age??
Big crimson chapel
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
useless institution milk
  02/07/14
Any family pressure to get married??
Big crimson chapel
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
useless institution milk
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
Canary Beta Cuckold
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
Lake native
  02/07/14
...
seedy marketing idea bbw
  02/07/14
Doctors are done here
Big crimson chapel
  02/07/14
...
beady-eyed locus
  02/13/15
...
idiotic stag film
  02/20/17
...
Offensive hairraiser hall legend
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
useless institution milk
  02/07/14
What were u doing at 22?
Big crimson chapel
  02/07/14
crappy consulting firm do municipal bond analysis.
useless institution milk
  02/07/14
you should've gone into finance, instead. you'd have a milli...
apoplectic main people
  02/07/14
I was too lazy in college, but yeah would have been a good i...
useless institution milk
  02/07/14
$38k was a decent starting salary in 1995...?
Azure 180 home alpha
  02/08/14
my gf doesn't even have a credit card. she's 24
vigorous arrogant circlehead
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
Fragrant tripping multi-billionaire address
  02/07/14
...
seedy marketing idea bbw
  02/07/14
yes arthur is fucked, ben pwns him
Fragrant tripping multi-billionaire address
  02/07/14
Twist: Arthur was swimming in student loan debt
Pontificating Elastic Band Theater
  02/07/14
...
Mustard marvelous temple
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
Clear cruise ship
  02/07/14
...
Bronze Charismatic Brunch
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
flickering tank
  02/07/14
True, the idea that investing early is a good idea sure didn...
Clear cruise ship
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
Embarrassed To The Bone Contagious Volcanic Crater Yarmulke
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
Embarrassed To The Bone Contagious Volcanic Crater Yarmulke
  07/08/17
Right. The person who started investing earlier is still in ...
slap-happy onyx senate
  07/09/17
I think the more interesting hypo is a guy who starts invest...
deep bright kitchen
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
Bronze Charismatic Brunch
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
snowy self-absorbed telephone shitlib
  02/07/14
I still think it's more credited to maintain liquidity and i...
Umber Garrison
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
useless institution milk
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
Clear cruise ship
  02/07/14
(cgm)
Sickened point digit ratio
  02/07/14
What does this look like if you assume 6% returns?
Wine principal's office coldplay fan
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
aphrodisiac nofapping hunting ground
  02/08/14
...
seedy marketing idea bbw
  02/17/14
not really. my parents had very little just 20 years ago...
Histrionic persian halford
  02/08/14
...
seedy marketing idea bbw
  02/10/14
...
rose crackhouse really tough guy
  07/08/17
So your telling me that if I make a lot of money ill do well...
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  12/10/14
...
seedy marketing idea bbw
  05/14/14
...
seedy marketing idea bbw
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
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  12/10/14
...
seedy marketing idea bbw
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...
seedy marketing idea bbw
  02/13/15
this is retarded. for most of us, that would have meant soc...
Black bateful university kitty
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
beady-eyed locus
  02/13/15
...
seedy marketing idea bbw
  02/13/15
we're in a bubble right now, so all of those figures are bul...
Black bateful university kitty
  02/13/15
...
seedy marketing idea bbw
  02/13/15
A year later after bitching in this thread, I have fucking $...
useless institution milk
  02/13/15
...
seedy marketing idea bbw
  02/13/15
What has your APR been?
startled nudist church building
  02/13/15
how much money did you have in cash on the sidelines from th...
Stimulating Heaven Karate
  02/13/15
...
seedy marketing idea bbw
  12/29/15
...
seedy marketing idea bbw
  04/18/16
I remember a teacher showing us this kind of chart back arou...
maize space antidepressant drug
  04/18/16
wise move
Self-centered flesh casino
  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.
purple new version parlor
  04/18/16
...
seedy marketing idea bbw
  04/18/16
This is false and assumes one continues working a cookie-cut...
Histrionic persian halford
  04/18/16
just do >10% growth every year. worked for bernie madoff
Maniacal Carnelian Abode Personal Credit Line
  04/18/16
This bort is retarded.
Naked office
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
passionate gay laser beams
  04/18/16
...
seedy marketing idea bbw
  04/18/16
you pointed it out above several times, and each time you go...
passionate gay laser beams
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
Racy violet shrine
  04/18/16
The real reason this chart is dumb is because of inflation. ...
Frum flushed rigpig puppy
  04/18/16
...
seedy marketing idea bbw
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
Frum flushed rigpig puppy
  04/18/16
...
seedy marketing idea bbw
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
Ivory judgmental lodge love of her life
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
unholy pistol affirmative action
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
claret swashbuckling dysfunction brethren
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
Crawly Indian Lodge Quadroon
  02/20/17
I agree generally that returns will be lower. But if you ask...
claret swashbuckling dysfunction brethren
  02/20/17
saving for retirement is flame. just slide and let do
Dashing Thirsty Queen Of The Night
  04/18/16
cr
passionate gay laser beams
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
Offensive hairraiser hall legend
  09/29/16
...
seedy marketing idea bbw
  09/29/16
How do they get 10% retune every year
light skinny woman azn
  09/29/16
noob investor question, but isn't this idea kind of self per...
Cerebral hot field
  09/29/16
Student loan interest exceeds most investment returns so tha...
Navy background story
  09/29/16
...
Cerebral hot field
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
appetizing bisexual giraffe
  02/20/17
...
appetizing bisexual giraffe
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
drab kink-friendly school cafeteria pervert
  07/08/17
COMPOUND INT--*nuke melts face*
Awkward indirect expression legal warrant
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
Excitant abusive theater stage
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
Awkward indirect expression legal warrant
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
Excitant abusive theater stage
  07/08/17
(Not a rental property owner)
Floppy state
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
slap-happy onyx senate
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
appetizing bisexual giraffe
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
Excitant abusive theater stage
  07/08/17
now show me the table for $300K at 8% in student loans
Garnet step-uncle's house electric furnace
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
Bipolar locale mad-dog skullcap
  07/08/17
...
Offensive hairraiser hall legend
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
Garnet step-uncle's house electric furnace
  07/08/17
data entry
rose crackhouse really tough guy
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
Garnet step-uncle's house electric furnace
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
rose crackhouse really tough guy
  07/08/17
CR
Offensive hairraiser hall legend
  07/08/17
Admin assistant
Offensive hairraiser hall legend
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
Garnet step-uncle's house electric furnace
  07/08/17
According to the chart all you need to invest is like 2k a y...
Offensive hairraiser hall legend
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
Laughsome Mother Becky
  07/08/17
things barzini knew and did that you did not for $200, alex
Mustard marvelous temple
  07/09/17
I think a much more sure bet is Social Security taxes being ...
Slate gaping orchestra pit
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
Laughsome Mother Becky
  07/08/17
Investment compounding is the single biggest scam the inve...
aphrodisiac nofapping hunting ground
  07/09/17
...
exciting center mexican
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
bearded honey-headed library
  08/23/17
...
seedy marketing idea bbw
  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: seedy marketing idea bbw

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: Spectacular box office boiling water

(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: Twinkling concupiscible hell
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: Big crimson chapel

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: yapping lettuce juggernaut



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: Obsidian base travel guidebook

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: saffron tantric chad gas station

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: useless institution milk

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: big-titted exhilarant meetinghouse

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: seedy marketing idea bbw



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Pontificating Elastic Band Theater

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: Cream voyeur

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: Pontificating Elastic Band Theater

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: opaque sex offender



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: vivacious up-to-no-good market masturbator



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: Shivering stock car



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: Pontificating Elastic Band Theater



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: out-of-control trump supporter



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: Shivering stock car



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: seedy marketing idea bbw



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Pontificating Elastic Band Theater

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: seedy marketing idea bbw



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Pontificating Elastic Band Theater

(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: Pontificating Elastic Band Theater

(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: Pontificating Elastic Band Theater

(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: Floppy state

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: Naked office

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: seedy marketing idea bbw



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: Floppy state

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: Floppy state



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: Floppy state

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: soul-stirring nursing home reading party



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: Floppy state

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: Balding Hairy Legs

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: seedy marketing idea bbw



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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: Floppy state

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: Naked office

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: Floppy state

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: alcoholic thriller pisswyrm

(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: hateful flirting hospital

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: seedy marketing idea bbw



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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: Floppy state

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: Vibrant Sepia Whorehouse International Law Enforcement Agency

(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: Blathering Blood Rage

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: Puce ungodly house athletic conference

haha

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



Reply Favorite

Date: February 20th, 2017 1:49 AM
Author: Pontificating Elastic Band Theater



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



Reply Favorite

Date: February 20th, 2017 8:38 AM
Author: Naked office



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: aromatic piazza



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: bearded honey-headed library



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: apoplectic main people

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: seedy marketing idea bbw



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: apoplectic main people

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: seedy marketing idea bbw



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: apoplectic main people

?

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: seedy marketing idea bbw



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: apoplectic main people

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: seedy marketing idea bbw



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



Reply Favorite

Date: February 7th, 2014 4:13 PM
Author: apoplectic main people

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: seedy marketing idea bbw



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



Reply Favorite

Date: February 7th, 2014 4:35 PM
Author: Cream voyeur

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: seedy marketing idea bbw



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



Reply Favorite

Date: July 9th, 2017 11:26 AM
Author: Provocative Violent Dog Poop Ticket Booth

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: Glittery amethyst resort

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: useless institution milk

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: Big crimson chapel

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: useless institution milk

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: Big crimson chapel

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: useless institution milk

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: Big crimson chapel

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: useless institution milk

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: Big crimson chapel

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: useless institution milk

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: Canary Beta Cuckold

(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: Lake native

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: seedy marketing idea bbw



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Big crimson chapel

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: beady-eyed locus



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: idiotic stag film



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: Offensive hairraiser hall legend



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: useless institution milk

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: Big crimson chapel

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: useless institution milk

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: apoplectic main people

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: useless institution milk

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: Azure 180 home alpha

$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: vigorous arrogant circlehead

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: Fragrant tripping multi-billionaire address

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: seedy marketing idea bbw



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: Fragrant tripping multi-billionaire address

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: Pontificating Elastic Band Theater

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: Mustard marvelous temple



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



Reply Favorite

Date: February 7th, 2014 4:01 PM
Author: Clear cruise ship

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: Bronze Charismatic Brunch



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



Reply Favorite

Date: February 7th, 2014 4:08 PM
Author: flickering tank

*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: Clear cruise ship

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: Embarrassed To The Bone Contagious Volcanic Crater Yarmulke

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: Embarrassed To The Bone Contagious Volcanic Crater Yarmulke

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: slap-happy onyx senate

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: deep bright kitchen

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: Bronze Charismatic Brunch

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: snowy self-absorbed telephone shitlib

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: Umber Garrison

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: useless institution milk

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: Clear cruise ship

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: Sickened point digit ratio

(cgm)

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



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: Wine principal's office coldplay fan

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: aphrodisiac nofapping hunting ground

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: seedy marketing idea bbw



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: Histrionic persian 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: seedy marketing idea bbw



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: rose crackhouse really tough guy



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: Orange station half-breed

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: seedy marketing idea bbw



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: seedy marketing idea bbw



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: Navy background story

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: seedy marketing idea bbw



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: seedy marketing idea bbw



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: Black bateful university kitty

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: beady-eyed locus

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: seedy marketing idea bbw



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: Black bateful university kitty

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: seedy marketing idea bbw



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: useless institution milk

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: seedy marketing idea bbw



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



Reply Favorite

Date: February 13th, 2015 5:53 PM
Author: startled nudist church building

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: Stimulating Heaven Karate

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: seedy marketing idea bbw



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



Reply Favorite

Date: April 18th, 2016 7:18 AM
Author: seedy marketing idea bbw



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



Reply Favorite

Date: April 18th, 2016 7:47 AM
Author: maize space antidepressant drug

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)



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Date: April 18th, 2016 8:17 AM
Author: Self-centered flesh casino

wise move

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



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

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

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



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Date: April 18th, 2016 7:49 AM
Author: purple new version parlor

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

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



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Date: April 18th, 2016 9:40 AM
Author: seedy marketing idea bbw



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



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Date: April 18th, 2016 7:50 AM
Author: Histrionic persian 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)



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Date: April 18th, 2016 8:51 AM
Author: Maniacal Carnelian Abode Personal Credit Line

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

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



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Date: April 18th, 2016 8:57 AM
Author: Naked office

This bort is retarded.

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



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Date: April 18th, 2016 9:04 AM
Author: passionate gay laser beams

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)



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Date: April 18th, 2016 9:41 AM
Author: seedy marketing idea bbw



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



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Date: April 18th, 2016 10:04 AM
Author: passionate gay laser beams

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)



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Date: April 18th, 2016 9:20 AM
Author: Racy violet shrine

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)



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Date: April 18th, 2016 9:20 AM
Author: Frum flushed rigpig puppy

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)



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Date: April 18th, 2016 9:45 AM
Author: seedy marketing idea bbw



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



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Date: April 18th, 2016 9:50 AM
Author: Frum flushed rigpig puppy

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)



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Date: April 18th, 2016 10:02 AM
Author: seedy marketing idea bbw



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



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Date: July 8th, 2017 11:01 AM
Author: Ivory judgmental lodge love of her life

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)



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Date: September 15th, 2023 11:41 AM
Author: unholy pistol affirmative action

*assumes 3% inflation*

*fade in cannibal holocaust theme*

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



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Date: April 18th, 2016 9:24 AM
Author: claret swashbuckling dysfunction brethren

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)



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Date: February 20th, 2017 3:10 AM
Author: Crawly Indian Lodge Quadroon

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)



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Date: February 20th, 2017 7:57 AM
Author: claret swashbuckling dysfunction brethren

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)



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Date: April 18th, 2016 9:57 AM
Author: Dashing Thirsty Queen Of The Night

saving for retirement is flame. just slide and let do

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



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Date: April 18th, 2016 10:04 AM
Author: passionate gay laser beams

cr

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



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Date: September 29th, 2016 10:24 AM
Author: Offensive hairraiser hall legend

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

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



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Date: September 29th, 2016 10:03 AM
Author: seedy marketing idea bbw



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



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Date: September 29th, 2016 1:21 PM
Author: light skinny woman azn

How do they get 10% retune every year

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



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Date: September 29th, 2016 2:04 PM
Author: Cerebral hot field

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)



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Date: September 29th, 2016 2:12 PM
Author: Navy background story

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)



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Date: September 29th, 2016 4:48 PM
Author: Cerebral hot field



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



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Date: February 20th, 2017 8:11 AM
Author: appetizing bisexual giraffe

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)



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Date: July 8th, 2017 9:32 AM
Author: appetizing bisexual giraffe



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



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Date: July 8th, 2017 9:40 AM
Author: drab kink-friendly school cafeteria pervert

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

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



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Date: July 8th, 2017 9:46 AM
Author: Awkward indirect expression legal warrant

COMPOUND INT--*nuke melts face*

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



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Date: July 8th, 2017 9:50 AM
Author: Excitant abusive theater stage

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)



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Date: July 8th, 2017 9:52 AM
Author: Awkward indirect expression legal warrant

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)



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Date: July 8th, 2017 9:54 AM
Author: Excitant abusive theater stage

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)



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Date: July 8th, 2017 10:16 AM
Author: Floppy state

(Not a rental property owner)

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



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Date: July 9th, 2017 11:14 AM
Author: slap-happy onyx senate

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)



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Date: July 8th, 2017 10:05 AM
Author: appetizing bisexual giraffe

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)



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Date: July 8th, 2017 10:06 AM
Author: Excitant abusive theater stage

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)



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Date: July 8th, 2017 12:06 PM
Author: Garnet step-uncle's house electric furnace

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: Bipolar locale mad-dog skullcap

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)



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Date: July 8th, 2017 12:28 PM
Author: Offensive hairraiser hall legend



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



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Date: July 8th, 2017 12:30 PM
Author: Garnet step-uncle's house electric furnace

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)



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Date: July 8th, 2017 12:32 PM
Author: rose crackhouse really tough guy

data entry

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



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Date: July 8th, 2017 12:46 PM
Author: Garnet step-uncle's house electric furnace

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)



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Date: July 8th, 2017 1:03 PM
Author: rose crackhouse really tough guy

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)



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Date: July 8th, 2017 1:04 PM
Author: Offensive hairraiser hall legend

CR

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



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Date: July 8th, 2017 12:32 PM
Author: Offensive hairraiser hall legend

Admin assistant

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



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Date: July 8th, 2017 12:45 PM
Author: Garnet step-uncle's house electric furnace

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)



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Date: July 8th, 2017 12:57 PM
Author: Offensive hairraiser hall legend

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)



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Date: July 8th, 2017 1:26 PM
Author: Laughsome Mother Becky

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)



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Date: July 9th, 2017 11:10 AM
Author: Mustard marvelous temple

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)



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Date: July 8th, 2017 12:45 PM
Author: Slate gaping orchestra pit

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)



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Date: July 8th, 2017 1:27 PM
Author: Laughsome Mother Becky

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)



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Date: July 9th, 2017 11:21 AM
Author: aphrodisiac nofapping hunting ground

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)



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Date: August 22nd, 2017 7:26 PM
Author: exciting center mexican



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



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Date: August 23rd, 2017 11:19 AM
Author: bearded honey-headed library

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)



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Date: September 15th, 2023 11:28 AM
Author: seedy marketing idea bbw



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



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

how’d we all do?

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



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

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

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



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



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