\
  The most prestigious law school admissions discussion board in the world.
BackRefresh Options Favorite

You're FUCKED if you don't save $ in your early 20s. Here's why

https://i.pinimg.com/736x/2e/d6/5d/2ed65d34dbac86519947d298d...
Beady-eyed kitchen
  02/07/14
(Dave Ramsey)
Ruddy Plaza Puppy
  12/10/14
Germany bull
Elite address foreskin
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
balding genital piercing private investor
  02/07/14
...
Out-of-control Stage
  02/08/14
yep
Trip Demanding Immigrant Milk
  02/07/14
what is the apr on this
curious poppy boistinker death wish
  02/07/14
12% lol.
salmon chapel hunting ground
  02/07/14
fucking boomers
ultramarine fragrant business firm alpha
  02/07/14
...
may his bones be crushed
  04/13/26
...
Beady-eyed kitchen
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
Know-it-all Racy Hissy Fit
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
bull headed soul-stirring national
  02/07/14
180
Know-it-all Racy Hissy Fit
  02/07/14
...
Seedy persian
  02/08/14
...
wonderful abusive goyim theatre
  02/13/15
...
Transparent Cruise Ship
  04/18/16
...
Know-it-all Racy Hissy Fit
  02/20/17
...
Bistre main people police squad
  02/20/17
...
Transparent Cruise Ship
  07/08/17
...
Beady-eyed kitchen
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
Know-it-all Racy Hissy Fit
  02/07/14
...
Beady-eyed kitchen
  02/07/14
(guy who recently watched The Secret)
Know-it-all Racy Hissy Fit
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
Know-it-all Racy Hissy Fit
  02/07/14
(Boomer in 2006 buying third investment property)
Know-it-all Racy Hissy Fit
  02/07/14
this will not occur over the next 40 years
vermilion ticket booth
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
yellow stirring tanning salon
  02/07/14
...
Beady-eyed kitchen
  02/07/14
Compare the demographics, foreign competition, and regulator...
vermilion ticket booth
  12/10/14
...
vermilion ticket booth
  04/18/16
A true genius
vermilion ticket booth
  09/29/16
...
sexy marvelous church building
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
vermilion ticket booth
  04/18/16
Just do assume 12% returns for 45 years
Provocative shitlib
  02/07/14
...
Beady-eyed kitchen
  02/07/14
CR incredibly retarded
vermilion ticket booth
  02/07/14
It doesn't change regardless of rate.
yellow stirring tanning salon
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
vermilion ticket booth
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
Maize property new version
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
french round eye box office
  02/07/14
...
Beady-eyed kitchen
  02/07/14
this will not be the case for the next 50 years
vermilion ticket booth
  02/07/14
(Suze Orman after a few too many glasses of wine)
Ocher Big Space
  02/07/14
lol'd
sienna forum sex offender
  04/18/16
haha
laughsome bipolar casino
  09/29/16
...
Know-it-all Racy Hissy Fit
  02/20/17
...
yellow stirring tanning salon
  02/20/17
...
Emerald bespoke corner internal respiration
  02/20/17
...
rusted hairraiser sanctuary stock car
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
anal area
  02/07/14
...
Beady-eyed kitchen
  02/07/14
Not if returns were negative when/in the years immediately f...
anal area
  02/07/14
...
Beady-eyed kitchen
  02/07/14
? All the hypo supposes is that you start investing in yo...
anal area
  02/07/14
...
Beady-eyed kitchen
  02/07/14
YOUR personal rate of return is different from the market's ...
anal area
  02/07/14
...
Beady-eyed kitchen
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
anal area
  02/07/14
...
Beady-eyed kitchen
  02/07/14
you realize that to obtain the returns you stated above, one...
bull headed soul-stirring national
  02/07/14
...
Beady-eyed kitchen
  02/07/14
jfc why does she write shit like this
spectacular people who are hurt double fault
  07/09/17
This is true for everything ever.
Splenetic Mustard Trailer Park
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
salmon chapel hunting ground
  02/07/14
U r 36? LOLOL
balding genital piercing private investor
  02/07/14
34 but I put more money than $2000 per year in there.
salmon chapel hunting ground
  02/07/14
Damen. How does it feel to be literally half done with life?
balding genital piercing private investor
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
salmon chapel hunting ground
  02/07/14
Goal retirement age??
balding genital piercing private investor
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
salmon chapel hunting ground
  02/07/14
Any family pressure to get married??
balding genital piercing private investor
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
salmon chapel hunting ground
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
mint fantasy-prone university goal in life
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
Ebony center messiness
  02/07/14
...
Beady-eyed kitchen
  02/07/14
Doctors are done here
balding genital piercing private investor
  02/07/14
...
sinister lime bawdyhouse
  02/13/15
...
aromatic knife cumskin
  02/20/17
...
Chrome newt
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
salmon chapel hunting ground
  02/07/14
What were u doing at 22?
balding genital piercing private investor
  02/07/14
crappy consulting firm do municipal bond analysis.
salmon chapel hunting ground
  02/07/14
you should've gone into finance, instead. you'd have a milli...
anal area
  02/07/14
I was too lazy in college, but yeah would have been a good i...
salmon chapel hunting ground
  02/07/14
$38k was a decent starting salary in 1995...?
Territorial filthy dysfunction orchestra pit
  02/08/14
my gf doesn't even have a credit card. she's 24
federal station masturbator
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
sable bat-shit-crazy library
  02/07/14
...
Beady-eyed kitchen
  02/07/14
yes arthur is fucked, ben pwns him
sable bat-shit-crazy library
  02/07/14
Twist: Arthur was swimming in student loan debt
Know-it-all Racy Hissy Fit
  02/07/14
...
Vivacious Wine Hairy Legs Community Account
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
cheese-eating travel guidebook
  02/07/14
...
amber parlor toaster
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
Stimulating Philosopher-king Antidepressant Drug
  02/07/14
True, the idea that investing early is a good idea sure didn...
cheese-eating travel guidebook
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
Histrionic nursing home
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
Histrionic nursing home
  07/08/17
Right. The person who started investing earlier is still in ...
stubborn henna personal credit line mad-dog skullcap
  07/09/17
I think the more interesting hypo is a guy who starts invest...
brindle coffee pot organic girlfriend
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
amber parlor toaster
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
insanely creepy chocolate lodge
  02/07/14
I still think it's more credited to maintain liquidity and i...
frum mahogany azn shrine
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
salmon chapel hunting ground
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
cheese-eating travel guidebook
  02/07/14
(cgm)
flirting faggot firefighter hall
  02/07/14
What does this look like if you assume 6% returns?
motley obsidian brunch
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
aphrodisiac gaped step-uncle's house
  02/08/14
...
Beady-eyed kitchen
  02/17/14
not really. my parents had very little just 20 years ago...
arousing gold marketing idea degenerate
  02/08/14
...
Beady-eyed kitchen
  02/10/14
...
Talented Water Buffalo
  07/08/17
So your telling me that if I make a lot of money ill do well...
Translucent floppy institution
  12/10/14
...
Beady-eyed kitchen
  05/14/14
...
Beady-eyed kitchen
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
confused lascivious resort jap
  12/10/14
...
Beady-eyed kitchen
  12/10/14
...
Beady-eyed kitchen
  02/13/15
this is retarded. for most of us, that would have meant soc...
zippy halford codepig
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
sinister lime bawdyhouse
  02/13/15
...
Beady-eyed kitchen
  02/13/15
we're in a bubble right now, so all of those figures are bul...
zippy halford codepig
  02/13/15
...
Beady-eyed kitchen
  02/13/15
A year later after bitching in this thread, I have fucking $...
salmon chapel hunting ground
  02/13/15
...
Beady-eyed kitchen
  02/13/15
What has your APR been?
Appetizing citrine becky
  02/13/15
how much money did you have in cash on the sidelines from th...
Heady Generalized Bond Fanboi
  02/13/15
...
Beady-eyed kitchen
  12/29/15
...
Beady-eyed kitchen
  04/18/16
I remember a teacher showing us this kind of chart back arou...
metal base idiot
  04/18/16
wise move
Naked Pocket Flask Mood
  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.
duck-like location legend
  04/18/16
...
Beady-eyed kitchen
  04/18/16
This is false and assumes one continues working a cookie-cut...
arousing gold marketing idea degenerate
  04/18/16
just do >10% growth every year. worked for bernie madoff
Navy international law enforcement agency sound barrier
  04/18/16
This bort is retarded.
yellow stirring tanning salon
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
Primrose Titillating Parlour
  04/18/16
...
Beady-eyed kitchen
  04/18/16
you pointed it out above several times, and each time you go...
Primrose Titillating Parlour
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
swashbuckling learning disabled crackhouse karate
  04/18/16
The real reason this chart is dumb is because of inflation. ...
dun concupiscible set
  04/18/16
...
Beady-eyed kitchen
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
dun concupiscible set
  04/18/16
...
Beady-eyed kitchen
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
Cobalt comical range
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
Mauve magical home
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
boyish keepsake machete incel
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
Flickering feces
  02/20/17
I agree generally that returns will be lower. But if you ask...
boyish keepsake machete incel
  02/20/17
saving for retirement is flame. just slide and let do
amethyst bateful indirect expression stead
  04/18/16
cr
Primrose Titillating Parlour
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
Chrome newt
  09/29/16
...
Beady-eyed kitchen
  09/29/16
How do they get 10% retune every year
Galvanic Crimson Theater Stage Corn Cake
  09/29/16
noob investor question, but isn't this idea kind of self per...
Charismatic aqua hell mexican
  09/29/16
Student loan interest exceeds most investment returns so tha...
confused lascivious resort jap
  09/29/16
...
Charismatic aqua hell mexican
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
Razzle-dazzle native really tough guy
  02/20/17
...
Razzle-dazzle native really tough guy
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
Unhinged Cracking Roast Beef Spot
  07/08/17
COMPOUND INT--*nuke melts face*
Excitant Rose Mother
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
Adventurous Blue House Chad
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
Excitant Rose Mother
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
Adventurous Blue House Chad
  07/08/17
(Not a rental property owner)
vermilion ticket booth
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
stubborn henna personal credit line mad-dog skullcap
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
Razzle-dazzle native really tough guy
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
Adventurous Blue House Chad
  07/08/17
now show me the table for $300K at 8% in student loans
Red national security agency
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
godawful school
  07/08/17
...
Chrome newt
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
Red national security agency
  07/08/17
data entry
Talented Water Buffalo
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
Red national security agency
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
Talented Water Buffalo
  07/08/17
CR
Chrome newt
  07/08/17
Admin assistant
Chrome newt
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
Red national security agency
  07/08/17
According to the chart all you need to invest is like 2k a y...
Chrome newt
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
magenta diverse ceo ape
  07/08/17
things barzini knew and did that you did not for $200, alex
Vivacious Wine Hairy Legs Community Account
  07/09/17
I think a much more sure bet is Social Security taxes being ...
Sickened piazza
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
magenta diverse ceo ape
  07/08/17
Investment compounding is the single biggest scam the inve...
aphrodisiac gaped step-uncle's house
  07/09/17
...
Electric maroon place of business temple
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
rusted hairraiser sanctuary stock car
  08/23/17
...
Beady-eyed kitchen
  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: Beady-eyed kitchen

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: Ruddy Plaza Puppy

(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: Elite address foreskin
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: balding genital piercing private investor

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: Out-of-control Stage



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: Trip Demanding Immigrant Milk

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: curious poppy boistinker death wish

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: salmon chapel hunting ground

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: ultramarine fragrant business firm alpha

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: Beady-eyed kitchen



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Know-it-all Racy Hissy Fit

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: bull headed soul-stirring national

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: Know-it-all Racy Hissy Fit

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: Seedy persian



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: wonderful abusive goyim theatre



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: Transparent Cruise Ship



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: Know-it-all Racy Hissy Fit



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: Bistre main people police squad



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: Transparent Cruise Ship



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: Beady-eyed kitchen



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Know-it-all Racy Hissy Fit

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: Beady-eyed kitchen



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Know-it-all Racy Hissy Fit

(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: Know-it-all Racy Hissy Fit

(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: Know-it-all Racy Hissy Fit

(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: vermilion ticket booth

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: yellow stirring tanning salon

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: Beady-eyed kitchen



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: vermilion ticket booth

Compare the demographics, foreign competition, and regulatory burden at those times vs the next 40 years.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#26902473)



Reply Favorite

Date: April 18th, 2016 9:12 AM
Author: vermilion ticket booth



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: vermilion ticket booth

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: sexy marvelous church building



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: vermilion ticket booth

Holy shit, I always thought you were a dumb shitlib, but you actually are a very low IQ moron.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#30296264)



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: Provocative shitlib

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: Beady-eyed kitchen



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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: vermilion ticket booth

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: yellow stirring tanning salon

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: vermilion ticket booth

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: Maize property new version

(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: french round eye box office

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: Beady-eyed kitchen



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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: vermilion ticket booth

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: Ocher Big Space

(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: sienna forum sex offender

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: laughsome bipolar casino

haha

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



Reply Favorite

Date: February 20th, 2017 1:49 AM
Author: Know-it-all Racy Hissy Fit



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



Reply Favorite

Date: February 20th, 2017 8:38 AM
Author: yellow stirring tanning salon



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: Emerald bespoke corner internal respiration



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: rusted hairraiser sanctuary stock car



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: anal area

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: Beady-eyed kitchen



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: anal area

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: Beady-eyed kitchen



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: anal area

?

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: Beady-eyed kitchen



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: anal area

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: Beady-eyed kitchen



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



Reply Favorite

Date: February 7th, 2014 4:13 PM
Author: anal area

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: Beady-eyed kitchen



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



Reply Favorite

Date: February 7th, 2014 4:35 PM
Author: bull headed soul-stirring national

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: Beady-eyed kitchen



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



Reply Favorite

Date: July 9th, 2017 11:26 AM
Author: spectacular people who are hurt double fault

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: Splenetic Mustard Trailer Park

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: salmon chapel hunting ground

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: balding genital piercing private investor

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: salmon chapel hunting ground

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: balding genital piercing private investor

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: salmon chapel hunting ground

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: balding genital piercing private investor

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: salmon chapel hunting ground

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: balding genital piercing private investor

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: salmon chapel hunting ground

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: mint fantasy-prone university goal in life

(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: Ebony center messiness

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: Beady-eyed kitchen



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: balding genital piercing private investor

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: sinister lime bawdyhouse



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: aromatic knife cumskin



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: Chrome newt



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: salmon chapel hunting ground

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: balding genital piercing private investor

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: salmon chapel hunting ground

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: anal area

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: salmon chapel hunting ground

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: Territorial filthy dysfunction orchestra pit

$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: federal station masturbator

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: sable bat-shit-crazy library

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: Beady-eyed kitchen



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: sable bat-shit-crazy library

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: Know-it-all Racy Hissy Fit

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: Vivacious Wine Hairy Legs Community Account



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



Reply Favorite

Date: February 7th, 2014 4:01 PM
Author: cheese-eating travel guidebook

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: amber parlor toaster



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



Reply Favorite

Date: February 7th, 2014 4:08 PM
Author: Stimulating Philosopher-king Antidepressant Drug

*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: cheese-eating travel guidebook

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: Histrionic nursing home

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: Histrionic nursing home

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: stubborn henna personal credit line mad-dog skullcap

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: brindle coffee pot organic girlfriend

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: amber parlor toaster

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: insanely creepy chocolate lodge

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: frum mahogany azn shrine

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: salmon chapel hunting ground

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: cheese-eating travel guidebook

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: flirting faggot firefighter hall

(cgm)

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



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: motley obsidian brunch

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 gaped step-uncle's house

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: Beady-eyed kitchen



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: arousing gold marketing idea degenerate

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: Beady-eyed kitchen



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: Talented Water Buffalo



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: Translucent floppy institution

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: Beady-eyed kitchen



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: Beady-eyed kitchen



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: confused lascivious resort jap

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: Beady-eyed kitchen



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: Beady-eyed kitchen



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: zippy halford codepig

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: sinister lime bawdyhouse

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: Beady-eyed kitchen



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: zippy halford codepig

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: Beady-eyed kitchen



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: salmon chapel hunting ground

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: Beady-eyed kitchen



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



Reply Favorite

Date: February 13th, 2015 5:53 PM
Author: Appetizing citrine becky

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: Heady Generalized Bond Fanboi

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: Beady-eyed kitchen



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



Reply Favorite

Date: April 18th, 2016 7:18 AM
Author: Beady-eyed kitchen



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



Reply Favorite

Date: April 18th, 2016 7:47 AM
Author: metal base idiot

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: Naked Pocket Flask Mood

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: duck-like location legend

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: Beady-eyed kitchen



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



Reply Favorite

Date: April 18th, 2016 7:50 AM
Author: arousing gold marketing idea degenerate

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: Navy international law enforcement agency sound barrier

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: yellow stirring tanning salon

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: Primrose Titillating Parlour

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: Beady-eyed kitchen



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



Reply Favorite

Date: April 18th, 2016 10:04 AM
Author: Primrose Titillating Parlour

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: swashbuckling learning disabled crackhouse karate

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: dun concupiscible set

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: Beady-eyed kitchen



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



Reply Favorite

Date: April 18th, 2016 9:50 AM
Author: dun concupiscible set

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: Beady-eyed kitchen



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



Reply Favorite

Date: July 8th, 2017 11:01 AM
Author: Cobalt comical range

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: Mauve magical home

*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: boyish keepsake machete incel

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: Flickering feces

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: boyish keepsake machete incel

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: amethyst bateful indirect expression stead

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: Primrose Titillating Parlour

cr

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



Reply Favorite

Date: September 29th, 2016 10:24 AM
Author: Chrome newt

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: Beady-eyed kitchen



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



Reply Favorite

Date: September 29th, 2016 1:21 PM
Author: Galvanic Crimson Theater Stage Corn Cake

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: Charismatic aqua hell mexican

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: confused lascivious resort jap

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: Charismatic aqua hell mexican



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



Reply Favorite

Date: February 20th, 2017 8:11 AM
Author: Razzle-dazzle native really tough guy

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: Razzle-dazzle native really tough guy



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



Reply Favorite

Date: July 8th, 2017 9:40 AM
Author: Unhinged Cracking Roast Beef Spot

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: Excitant Rose Mother

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: Adventurous Blue House Chad

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: Excitant Rose Mother

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: Adventurous Blue House Chad

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: vermilion ticket booth

(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: stubborn henna personal credit line mad-dog skullcap

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: Razzle-dazzle native really tough guy

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: Adventurous Blue House Chad

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: Red national security agency

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

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



Reply Favorite

Date: July 8th, 2017 12:13 PM
Author: godawful school

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: Chrome newt



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



Reply Favorite

Date: July 8th, 2017 12:30 PM
Author: Red national security agency

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

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



Reply Favorite

Date: July 8th, 2017 12:32 PM
Author: Talented Water Buffalo

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: Red national security agency

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

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



Reply Favorite

Date: July 8th, 2017 1:03 PM
Author: Talented Water Buffalo

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: Chrome newt

CR

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



Reply Favorite

Date: July 8th, 2017 12:32 PM
Author: Chrome newt

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: Red national security agency

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

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



Reply Favorite

Date: July 8th, 2017 12:57 PM
Author: Chrome newt

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: magenta diverse ceo ape

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: Vivacious Wine Hairy Legs Community Account

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: Sickened piazza

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: magenta diverse ceo ape

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: aphrodisiac gaped step-uncle's house

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: Electric maroon place of business temple



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



Reply Favorite

Date: August 23rd, 2017 11:19 AM
Author: rusted hairraiser sanctuary stock car

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: Beady-eyed kitchen



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



Reply Favorite

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

how’d we all do?

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