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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...
mahogany useless brakes base
  02/07/14
(Dave Ramsey)
Provocative idea he suggested candlestick maker
  12/10/14
Germany bull
startling green heaven
  09/15/23
...
richard clock
  04/13/26
Brb transferring money to my roth
godawful jap
  02/07/14
...
Talking cumskin field
  02/08/14
yep
Walnut vibrant mad cow disease menage
  02/07/14
what is the apr on this
Flushed balding casino
  02/07/14
12% lol.
180 lemon stage turdskin
  02/07/14
fucking boomers
hateful cuckoldry
  02/07/14
...
may his bones be crushed
  04/13/26
...
mahogany useless brakes base
  02/07/14
So for the next 50 years the US Economy will be as prosperou...
Blue vivacious meetinghouse
  02/07/14
haven't you read the disclaimer at the bottom of every mutua...
magenta sex offender
  02/07/14
180
Blue vivacious meetinghouse
  02/07/14
...
pale wonderful state antidepressant drug
  02/08/14
...
Copper messiness
  02/13/15
...
low-t parlor reading party
  04/18/16
...
Blue vivacious meetinghouse
  02/20/17
...
Black property organic girlfriend
  02/20/17
...
low-t parlor reading party
  07/08/17
...
mahogany useless brakes base
  02/07/14
Change your 10 year window to 1999 to 2009, you'd be down al...
Blue vivacious meetinghouse
  02/07/14
...
mahogany useless brakes base
  02/07/14
(guy who recently watched The Secret)
Blue vivacious meetinghouse
  02/07/14
(Japanese broker encouraging you to buy the Nikkei in 1989)
Blue vivacious meetinghouse
  02/07/14
(Boomer in 2006 buying third investment property)
Blue vivacious meetinghouse
  02/07/14
this will not occur over the next 40 years
gay racy genital piercing feces
  02/07/14
So annual returns are declining by 1-2 percent per year in y...
greedy knife
  02/07/14
...
mahogany useless brakes base
  02/07/14
Compare the demographics, foreign competition, and regulator...
gay racy genital piercing feces
  12/10/14
...
gay racy genital piercing feces
  04/18/16
A true genius
gay racy genital piercing feces
  09/29/16
...
violent halford
  04/18/16
Holy shit, I always thought you were a dumb shitlib, but you...
gay racy genital piercing feces
  04/18/16
Just do assume 12% returns for 45 years
Rusted fat ankles gas station
  02/07/14
...
mahogany useless brakes base
  02/07/14
CR incredibly retarded
gay racy genital piercing feces
  02/07/14
It doesn't change regardless of rate.
greedy knife
  04/18/16
LOL. Yes it does. Try 0% and see what happens.
gay racy genital piercing feces
  04/18/16
...
may his bones be crushed
  04/13/26
(finance genius)
Internet-worthy bronze queen of the night orchestra pit
  02/20/17
So far so good
Goyvin Jewsom
  04/13/26
That's a pretty cool investment that goes up 10% every year....
bearded milky shrine
  02/07/14
...
mahogany useless brakes base
  02/07/14
this will not be the case for the next 50 years
gay racy genital piercing feces
  02/07/14
(Suze Orman after a few too many glasses of wine)
Hideous Razzle-dazzle Blood Rage
  02/07/14
lol'd
high-end stock car dysfunction
  04/18/16
haha
disgusting odious indian lodge roommate
  09/29/16
...
Blue vivacious meetinghouse
  02/20/17
...
greedy knife
  02/20/17
...
fragrant nubile chapel
  02/20/17
...
Stirring shitlib
  08/23/17
Jesus, stfup. No, you're not fucked if you don't begin inves...
mind-boggling native
  02/07/14
...
mahogany useless brakes base
  02/07/14
Not if returns were negative when/in the years immediately f...
mind-boggling native
  02/07/14
...
mahogany useless brakes base
  02/07/14
? All the hypo supposes is that you start investing in yo...
mind-boggling native
  02/07/14
...
mahogany useless brakes base
  02/07/14
YOUR personal rate of return is different from the market's ...
mind-boggling native
  02/07/14
...
mahogany useless brakes base
  02/07/14
False. Here's a 5-year example: Joe invests $1000 in 2...
mind-boggling native
  02/07/14
...
mahogany useless brakes base
  02/07/14
you realize that to obtain the returns you stated above, one...
magenta sex offender
  02/07/14
...
mahogany useless brakes base
  02/07/14
jfc why does she write shit like this
Razzle step-uncle's house dragon
  07/09/17
This is true for everything ever.
Learning Disabled Plaza Hairy Legs
  09/29/16
why doesnt the roth I started at 20 and stopped contributing...
180 lemon stage turdskin
  02/07/14
U r 36? LOLOL
godawful jap
  02/07/14
34 but I put more money than $2000 per year in there.
180 lemon stage turdskin
  02/07/14
Damen. How does it feel to be literally half done with life?
godawful jap
  02/07/14
it sucks but I have stayed in shape and fucked enough women ...
180 lemon stage turdskin
  02/07/14
Goal retirement age??
godawful jap
  02/07/14
depends if I have kids and the house. Then probably 62-65. ...
180 lemon stage turdskin
  02/07/14
Any family pressure to get married??
godawful jap
  02/07/14
nah but I love my gf. I would probably marry her kids or no...
180 lemon stage turdskin
  02/07/14
I'm 56 now
may his bones be crushed
  04/13/26
(39-year-old, MAF troll)
sooty supple philosopher-king
  02/07/14
I didn't start saving til I got a job at 24. Should I killse...
Cerebral Space
  02/07/14
...
mahogany useless brakes base
  02/07/14
Doctors are done here
godawful jap
  02/07/14
...
stimulating principal's office
  02/13/15
...
pungent electric national security agency
  02/20/17
...
laughsome selfie
  07/08/17
And this is why I want to strangle the shrews I have dated. ...
180 lemon stage turdskin
  02/07/14
What were u doing at 22?
godawful jap
  02/07/14
crappy consulting firm do municipal bond analysis.
180 lemon stage turdskin
  02/07/14
you should've gone into finance, instead. you'd have a milli...
mind-boggling native
  02/07/14
I was too lazy in college, but yeah would have been a good i...
180 lemon stage turdskin
  02/07/14
$38k was a decent starting salary in 1995...?
Arousing henna jew
  02/08/14
my gf doesn't even have a credit card. she's 24
multi-colored keepsake machete
  04/18/16
arthur is a dumbass for only putting in 2000, he should ve m...
Iridescent titillating hall
  02/07/14
...
mahogany useless brakes base
  02/07/14
yes arthur is fucked, ben pwns him
Iridescent titillating hall
  02/07/14
Twist: Arthur was swimming in student loan debt
Blue vivacious meetinghouse
  02/07/14
...
Costumed Cruise Ship Depressive
  02/13/15
These assumptions that ignore inflation and assume 10%+ real...
Slimy bossy locale
  02/07/14
...
Glittery Toaster Striped Hyena
  02/08/14
*Is guy 1* *Invests from 2001-2008* *Is PWND* *Is guy 2* ...
charismatic lettuce senate
  02/07/14
True, the idea that investing early is a good idea sure didn...
Slimy bossy locale
  02/07/14
Why not, the market corrected in the next 10 years. Its only...
Onyx lay windowlicker
  09/29/16
this is what idiots don't realize. crashes don't matter exce...
Onyx lay windowlicker
  07/08/17
Right. The person who started investing earlier is still in ...
Thriller crackhouse
  07/09/17
I think the more interesting hypo is a guy who starts invest...
Lascivious Rambunctious Home Immigrant
  02/07/14
that's more realistic even if he wasn't in grad school, beca...
Glittery Toaster Striped Hyena
  02/08/14
Just do graduate in 2006 and invest at the peak of the stock...
Primrose Area
  02/07/14
I still think it's more credited to maintain liquidity and i...
Concupiscible stead azn
  02/07/14
Why the fuck does my roth IRA only have $35,000 in it? I max...
180 lemon stage turdskin
  02/07/14
I feel your pain. I've got like $41K. At least I can backd...
Slimy bossy locale
  02/07/14
(cgm)
Splenetic athletic conference sneaky criminal
  02/07/14
What does this look like if you assume 6% returns?
apoplectic voyeur
  02/08/14
this is true.. i put away $1k in 1990, it's now worth $800k
Gaped rigpig abode
  02/08/14
...
mahogany useless brakes base
  02/17/14
not really. my parents had very little just 20 years ago...
Curious Chest-beating Nursing Home
  02/08/14
...
mahogany useless brakes base
  02/10/14
...
Histrionic aqua degenerate
  07/08/17
So your telling me that if I make a lot of money ill do well...
bipolar bearded church
  12/10/14
...
mahogany useless brakes base
  05/14/14
...
mahogany useless brakes base
  12/10/14
The 19 bro isn't doubling the 27 year old bro or anything. Y...
Azure Contagious Institution
  12/10/14
...
mahogany useless brakes base
  12/10/14
...
mahogany useless brakes base
  02/13/15
this is retarded. for most of us, that would have meant soc...
Indigo University
  02/13/15
damn u r old. i started making money in 09. wish i saved a l...
stimulating principal's office
  02/13/15
...
mahogany useless brakes base
  02/13/15
we're in a bubble right now, so all of those figures are bul...
Indigo University
  02/13/15
...
mahogany useless brakes base
  02/13/15
A year later after bitching in this thread, I have fucking $...
180 lemon stage turdskin
  02/13/15
...
mahogany useless brakes base
  02/13/15
What has your APR been?
crawly red site juggernaut
  02/13/15
how much money did you have in cash on the sidelines from th...
Aromatic free-loading clown
  02/13/15
...
mahogany useless brakes base
  12/29/15
...
mahogany useless brakes base
  04/18/16
I remember a teacher showing us this kind of chart back arou...
Amber cuckold
  04/18/16
wise move
Crusty trailer park
  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.
thirsty zippy circlehead
  04/18/16
...
mahogany useless brakes base
  04/18/16
This is false and assumes one continues working a cookie-cut...
Curious Chest-beating Nursing Home
  04/18/16
just do >10% growth every year. worked for bernie madoff
turquoise mediation
  04/18/16
This bort is retarded.
greedy knife
  04/18/16
Chart assumes consistently abnormal YOY returns, as pointed ...
hairraiser french theatre patrolman
  04/18/16
...
mahogany useless brakes base
  04/18/16
you pointed it out above several times, and each time you go...
hairraiser french theatre patrolman
  04/18/16
http://imgur.com/gnMx2MX Literally did this. So I'm set ...
appetizing station nibblets
  04/18/16
The real reason this chart is dumb is because of inflation. ...
arrogant dead therapy
  04/18/16
...
mahogany useless brakes base
  04/18/16
You can't say 16,000 vs 80,000 lolz and not see how that's a...
arrogant dead therapy
  04/18/16
...
mahogany useless brakes base
  04/18/16
Inflation is what, 3%? The real issue is the 12% returns as...
Razzmatazz Haunting Friendly Grandma Dingle Berry
  07/08/17
*assumes 3% inflation* *fade in cannibal holocaust theme*
sadistic mad-dog skullcap preventive strike
  09/15/23
Yea 10 percent is retarded, but the gist of the argument is ...
Bisexual fishy international law enforcement agency public bath
  04/18/16
no shit but we;'re going to see HISTORICALLY low returns fro...
very tactful fuchsia piazza community account
  02/20/17
I agree generally that returns will be lower. But if you ask...
Bisexual fishy international law enforcement agency public bath
  02/20/17
saving for retirement is flame. just slide and let do
Yapping nofapping house
  04/18/16
cr
hairraiser french theatre patrolman
  04/18/16
Cr...life sucks post 60 anyway..might as well killself
laughsome selfie
  09/29/16
...
mahogany useless brakes base
  09/29/16
How do they get 10% retune every year
Galvanic library mental disorder
  09/29/16
noob investor question, but isn't this idea kind of self per...
Sienna disturbing fanboi
  09/29/16
Student loan interest exceeds most investment returns so tha...
Azure Contagious Institution
  09/29/16
...
Sienna disturbing fanboi
  09/29/16
lol at dorks ITT bobbing and weaving desperately not wanting...
motley vermilion famous landscape painting
  02/20/17
...
motley vermilion famous landscape painting
  07/08/17
Earl must have been absolutely raped by fees in his IRA.
exciting clear deer antler hospital
  07/08/17
COMPOUND INT--*nuke melts face*
Confused Dilemma Hunting Ground
  07/08/17
Lol at everyone wagecucking there lives away for GC to save ...
aphrodisiac transparent kitchen double fault
  07/08/17
I find my rent seeking behavior is paying off better. Just a...
Confused Dilemma Hunting Ground
  07/08/17
20k liquid and 10k+ per month in passive income >>>...
aphrodisiac transparent kitchen double fault
  07/08/17
(Not a rental property owner)
gay racy genital piercing feces
  07/08/17
Future is impossible to predict. Best call is to diversify. ...
Thriller crackhouse
  07/09/17
i turn 40 next year. less than two decades left! you jelly?
motley vermilion famous landscape painting
  07/08/17
Naw man my 30s have been 180 billion. Still young and free b...
aphrodisiac transparent kitchen double fault
  07/08/17
now show me the table for $300K at 8% in student loans
Rose coffee pot
  07/08/17
imagine if you lived at home and worked at a 40k a year job ...
Mauve sweet tailpipe
  07/08/17
...
laughsome selfie
  07/08/17
lol, what $40K per year job do you think a 19 year old with ...
Rose coffee pot
  07/08/17
data entry
Histrionic aqua degenerate
  07/08/17
link to $40K data entry job that a 19 year old with a high s...
Rose coffee pot
  07/08/17
I made about 30k as a bus boy when i was 16 working part tim...
Histrionic aqua degenerate
  07/08/17
CR
laughsome selfie
  07/08/17
Admin assistant
laughsome selfie
  07/08/17
lol what? first, no one is going to hire a no-experience 19 ...
Rose coffee pot
  07/08/17
According to the chart all you need to invest is like 2k a y...
laughsome selfie
  07/08/17
cr chart is totally what happens IRL just stuff away 10k in ...
bonkers school cafeteria
  07/08/17
things barzini knew and did that you did not for $200, alex
Costumed Cruise Ship Depressive
  07/09/17
I think a much more sure bet is Social Security taxes being ...
misanthropic theater
  07/08/17
My 3k in savings from govt job at 23 is now worth 5k. Holy f...
bonkers school cafeteria
  07/08/17
Investment compounding is the single biggest scam the inve...
Gaped rigpig abode
  07/09/17
...
lavender forum
  08/22/17
Just use a 20% return the first 8 years and use 1% return th...
Stirring shitlib
  08/23/17
...
mahogany useless brakes base
  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: mahogany useless brakes base

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: Provocative idea he suggested candlestick maker

(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: startling green heaven
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: godawful jap

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: Talking cumskin field



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



Reply Favorite

Date: February 7th, 2014 3:21 PM
Author: Walnut vibrant mad cow disease menage

yep

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



Reply Favorite

Date: February 7th, 2014 3:22 PM
Author: Flushed balding casino

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: 180 lemon stage turdskin

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: hateful cuckoldry

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: mahogany useless brakes base



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: Blue vivacious meetinghouse

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: magenta sex offender

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: Blue vivacious meetinghouse

180

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



Reply Favorite

Date: February 8th, 2014 10:50 AM
Author: pale wonderful state antidepressant drug



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



Reply Favorite

Date: February 13th, 2015 4:51 PM
Author: Copper messiness



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



Reply Favorite

Date: April 18th, 2016 8:12 AM
Author: low-t parlor reading party



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



Reply Favorite

Date: February 20th, 2017 1:48 AM
Author: Blue vivacious meetinghouse



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



Reply Favorite

Date: February 20th, 2017 1:55 AM
Author: Black property organic girlfriend



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



Reply Favorite

Date: July 8th, 2017 10:11 AM
Author: low-t parlor reading party



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



Reply Favorite

Date: February 7th, 2014 3:35 PM
Author: mahogany useless brakes base



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: Blue vivacious meetinghouse

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: mahogany useless brakes base



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: Blue vivacious meetinghouse

(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: Blue vivacious meetinghouse

(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: Blue vivacious meetinghouse

(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: gay racy genital piercing feces

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: greedy knife

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: mahogany useless brakes base



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



Reply Favorite

Date: December 10th, 2014 5:03 PM
Author: gay racy genital piercing feces

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: gay racy genital piercing feces



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



Reply Favorite

Date: September 29th, 2016 1:18 PM
Author: gay racy genital piercing feces

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: violent halford



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



Reply Favorite

Date: April 18th, 2016 9:11 AM
Author: gay racy genital piercing feces

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: Rusted fat ankles gas station

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: mahogany useless brakes base



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



Reply Favorite

Date: February 7th, 2014 3:54 PM
Author: gay racy genital piercing feces

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: greedy knife

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: gay racy genital piercing feces

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: Internet-worthy bronze queen of the night orchestra pit

(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: bearded milky shrine

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: mahogany useless brakes base



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



Reply Favorite

Date: February 7th, 2014 3:58 PM
Author: gay racy genital piercing feces

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: Hideous Razzle-dazzle Blood Rage

(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: high-end stock car dysfunction

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: disgusting odious indian lodge roommate

haha

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



Reply Favorite

Date: February 20th, 2017 1:49 AM
Author: Blue vivacious meetinghouse



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



Reply Favorite

Date: February 20th, 2017 8:38 AM
Author: greedy knife



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



Reply Favorite

Date: February 20th, 2017 8:40 AM
Author: fragrant nubile chapel



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



Reply Favorite

Date: August 23rd, 2017 11:22 AM
Author: Stirring shitlib



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



Reply Favorite

Date: February 7th, 2014 3:23 PM
Author: mind-boggling native

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: mahogany useless brakes base



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



Reply Favorite

Date: February 7th, 2014 3:33 PM
Author: mind-boggling native

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: mahogany useless brakes base



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



Reply Favorite

Date: February 7th, 2014 3:40 PM
Author: mind-boggling native

?

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: mahogany useless brakes base



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



Reply Favorite

Date: February 7th, 2014 3:47 PM
Author: mind-boggling native

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: mahogany useless brakes base



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



Reply Favorite

Date: February 7th, 2014 4:13 PM
Author: mind-boggling native

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: mahogany useless brakes base



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



Reply Favorite

Date: February 7th, 2014 4:35 PM
Author: magenta sex offender

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: mahogany useless brakes base



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



Reply Favorite

Date: July 9th, 2017 11:26 AM
Author: Razzle step-uncle's house dragon

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: Learning Disabled Plaza Hairy Legs

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: 180 lemon stage turdskin

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: godawful jap

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: 180 lemon stage turdskin

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: godawful jap

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: 180 lemon stage turdskin

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: godawful jap

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: 180 lemon stage turdskin

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: godawful jap

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: 180 lemon stage turdskin

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: sooty supple philosopher-king

(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: Cerebral Space

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: mahogany useless brakes base



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



Reply Favorite

Date: February 7th, 2014 3:43 PM
Author: godawful jap

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: stimulating principal's office



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



Reply Favorite

Date: February 20th, 2017 8:41 AM
Author: pungent electric national security agency



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



Reply Favorite

Date: July 8th, 2017 12:26 PM
Author: laughsome selfie



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



Reply Favorite

Date: February 7th, 2014 3:45 PM
Author: 180 lemon stage turdskin

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: godawful jap

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: 180 lemon stage turdskin

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: mind-boggling native

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: 180 lemon stage turdskin

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: Arousing henna jew

$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: multi-colored keepsake machete

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: Iridescent titillating hall

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: mahogany useless brakes base



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



Reply Favorite

Date: February 7th, 2014 3:57 PM
Author: Iridescent titillating hall

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: Blue vivacious meetinghouse

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: Costumed Cruise Ship Depressive



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



Reply Favorite

Date: February 7th, 2014 4:01 PM
Author: Slimy bossy locale

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: Glittery Toaster Striped Hyena



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



Reply Favorite

Date: February 7th, 2014 4:08 PM
Author: charismatic lettuce senate

*Is guy 1*

*Invests from 2001-2008*

*Is PWND*

*Is guy 2*

*Begins investing in 2008*

*PROFITS*

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24974133)



Reply Favorite

Date: February 7th, 2014 4:10 PM
Author: Slimy bossy locale

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: Onyx lay windowlicker

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: Onyx lay windowlicker

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: Thriller crackhouse

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: Lascivious Rambunctious Home Immigrant

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: Glittery Toaster Striped Hyena

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: Primrose Area

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: Concupiscible stead azn

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: 180 lemon stage turdskin

Why the fuck does my roth IRA only have $35,000 in it? I maxed out from 22-27.

(http://www.autoadmit.com/thread.php?thread_id=2488792&forum_id=2#24974195)



Reply Favorite

Date: February 7th, 2014 4:38 PM
Author: Slimy bossy locale

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: Splenetic athletic conference sneaky criminal

(cgm)

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



Reply Favorite

Date: February 8th, 2014 10:41 AM
Author: apoplectic voyeur

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: Gaped rigpig abode

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: mahogany useless brakes base



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



Reply Favorite

Date: February 8th, 2014 11:02 AM
Author: Curious Chest-beating Nursing Home

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: mahogany useless brakes base



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



Reply Favorite

Date: July 8th, 2017 11:34 AM
Author: Histrionic aqua degenerate



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



Reply Favorite

Date: December 10th, 2014 5:07 PM
Author: bipolar bearded church

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: mahogany useless brakes base



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



Reply Favorite

Date: December 10th, 2014 4:57 PM
Author: mahogany useless brakes base



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



Reply Favorite

Date: December 10th, 2014 5:04 PM
Author: Azure Contagious Institution

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: mahogany useless brakes base



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



Reply Favorite

Date: February 13th, 2015 1:34 PM
Author: mahogany useless brakes base



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



Reply Favorite

Date: February 13th, 2015 5:33 PM
Author: Indigo University

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: stimulating principal's office

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: mahogany useless brakes base



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



Reply Favorite

Date: February 13th, 2015 5:38 PM
Author: Indigo University

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: mahogany useless brakes base



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



Reply Favorite

Date: February 13th, 2015 5:44 PM
Author: 180 lemon stage turdskin

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: mahogany useless brakes base



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



Reply Favorite

Date: February 13th, 2015 5:53 PM
Author: crawly red site juggernaut

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: Aromatic free-loading clown

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: mahogany useless brakes base



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



Reply Favorite

Date: April 18th, 2016 7:18 AM
Author: mahogany useless brakes base



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



Reply Favorite

Date: April 18th, 2016 7:47 AM
Author: Amber cuckold

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: Crusty trailer park

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)



Reply Favorite

Date: April 18th, 2016 7:49 AM
Author: thirsty zippy circlehead

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: mahogany useless brakes base



(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: Curious Chest-beating Nursing Home

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: turquoise mediation

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: greedy knife

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: hairraiser french theatre patrolman

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: mahogany useless brakes base



(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: hairraiser french theatre patrolman

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: appetizing station nibblets

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: arrogant dead therapy

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: mahogany useless brakes base



(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: arrogant dead therapy

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: mahogany useless brakes base



(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: Razzmatazz Haunting Friendly Grandma Dingle Berry

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: sadistic mad-dog skullcap preventive strike

*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: Bisexual fishy international law enforcement agency public bath

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: very tactful fuchsia piazza community account

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: Bisexual fishy international law enforcement agency public bath

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: Yapping nofapping house

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: hairraiser french theatre patrolman

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: laughsome selfie

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: mahogany useless brakes base



(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: Galvanic library mental disorder

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: Sienna disturbing fanboi

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: Azure Contagious Institution

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: Sienna disturbing fanboi



(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: motley vermilion famous landscape painting

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: motley vermilion famous landscape painting



(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: exciting clear deer antler hospital

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: Confused Dilemma Hunting Ground

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: aphrodisiac transparent kitchen double fault

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: Confused Dilemma Hunting Ground

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: aphrodisiac transparent kitchen double fault

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: gay racy genital piercing feces

(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: Thriller crackhouse

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: motley vermilion famous landscape painting

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: aphrodisiac transparent kitchen double fault

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: Rose coffee pot

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: Mauve sweet tailpipe

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: laughsome selfie



(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: Rose coffee pot

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: Histrionic aqua degenerate

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: Rose coffee pot

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: Histrionic aqua degenerate

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: laughsome selfie

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: laughsome selfie

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: Rose coffee pot

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: laughsome selfie

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: bonkers school cafeteria

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: Costumed Cruise Ship Depressive

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: misanthropic theater

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: bonkers school cafeteria

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: Gaped rigpig abode

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: lavender forum



(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: Stirring shitlib

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: mahogany useless brakes base



(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)



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)