Thread 518954121

>investing a mere $100 a week into stocks will make you a multimillionaire by retirement age
>this is the AVERAGE return

You didn't listen to all the demoralization shills and piss your 20s away did you anon?

>>518954121 (OP)
I only short, it's the only responsible option. I'm just a foolish monkey, I couldn't hope to ever manage capital. Instead I try to offer exit liquidity for more advanced and knowledgeable traders.

First I offer them more stocks to buy allowing capital to get more investment from buyers who want cheap shares.

Then later, once the price has gone up i buy back the loaned shares, effectively trading my capital (mistakenly given to me) to more effective users of it.

I almost made a ton of money this week, I sure hope I don't, that would be really bad.

it's fake money though, made off the backs of other people's money

>>518954466
Pol has 10 gorillion threads of NEETs proudly claiming to parasitize off of the labor of others via welfare and/or engaging in an infinitely more retarded type of 'scheme' via crypto.

Don't make excuses for being an financially illiterate retard.

ww3 is right around the corner, aint nobody planning for retirement right now dumbass nigga

>>518954806
there are millions of statements like this since the dawn of pol and ever since the start of the Cold War.

you know what happened to the people who prepped for DOOM and hid away? fuck all. They wasted their time and lives.

>>518954121 (OP)
Of course not. I've been buying boring ETFs for the past 10 years and I'm already a millionaire. Just need another million before I've got enough to 4% rule retire.

>>518954121 (OP)
There will be a currency reset sometime down the line and if you arent broke stocks have been great in the near term but when the musical chairs stop you probably want rentable properties and piles of PMs. Crypto will get rug pulled, USD will get turned into CBDC digital thing, ze kikes will win unscathed while all strugglers and normies get kicked down the ladder.

>>518954121 (OP)
How many loaves of bread will 1.8 million fedbux get you in 2072?

>>518954121 (OP)
I retire in 5 weeks, you better be right champ, I'm all in.

>>518954121 (OP)
this is showing what $100 a MONTH looks like and your Compound frequency would be ANNUAL not monthly and 11% rate of return is very optimistic

but yes if you use real numbers a hundred a week starting at a young age will still end up over a mil by retirement

>>518954121 (OP)
im putting 1500 a month away and im early 40s

i doubt i ever will see any of it when the dirty browns that shit up my country finish looting it

>>518956072
>I've been buying boring ETFs for the past 10 years and I'm already a millionaire. Just need another million before I've got enough to 4% rule retire.
Wise anon. Sounds like you've read Simple Path to Wealth already. You are ahead of the game. Good on you

>>518956138
If Everything Collapses™ you'll be fucked if you invested your money. You'll be double fucked if you didn't.

There exists no scenario in which being a lazy broke nigger is an advantage. And there never has been.

>>518954121 (OP)
>2072

>>518956373
True, i said stocks have been great for workies lately, but you should be moving your portfolio into rentals. What will happen is the next recession will hit, fed will put interest rates to zero like they did before, the currency wont be able to survive the inflationary push from that and then we will get the faggoty digital currency ID bullshit thing. And then after they reset all currency values who knows what your stock portfolio is worth 30% less, 50?

>>518956261
>this is showing what $100 a MONTH looks like
oh, my bad. You can quadruple that to 8 mil in gainz :)

>Compound frequency would be ANNUAL
there is no "monthly" compounding or annual. It increases day by day with the stock market.

>11% rate of return is very optimistic
it is quite literally the AVERAGE. Last 50 years? It'd be 12%.

>but yes if you use real numbers a hundred a week starting at a young age will still end up over a mil by retirement
Thanks for correcting me. OP pic is wrong, it's not 1.8 mil, it's 8 mil.

>>518956373
That's the thing I don't get about these retards
>America is gonna collapse in 2 more weeks
>Get your money out while you can
Nigger, there is no scenario in which America goes to zero and you escape to some safe haven. Not gold, not brics, not crypto. Literally everything and everyone has their success tied to the success of the USD to varying flavors of heavy exposure. If America tanks we're taking all of you dumb fucking brownies with us. So if you had two brain cells to rub together you'd be betting on the only possible hand. That the American market moves up and to the right. Anything else and literally all of your assets are worthless and we are at war so money is pointless.

>>518954121 (OP)
11% return is overly optimistic but your general point still stands. I'm 40 and have £720k in pension so far in an MSCI world tracker fund.

If you took the 6.2% that social security takes from every paycheck and threw it into the stock market, assuming you made at least 30k per year and started working at 25, you'd have 1.1 million with this return. If you made the median salary in America and started working at 20 you'd have 4 million dollars.

Even if you assume market average return(7%) and only making half the median salary, you'd still have 400K if you started working at 25 and retired at 65.

That's not accounting for inflation but it's also not accounting for raises. How do retards still honestly believe social security is anything other than a scam? You get like 30K per year that you can't touch until you're near death.

>>518954121 (OP)
you don't get compounding returns from stocks

>>518956565
>there is no "monthly" compounding or annual. It increases day by day with the stock market.
Sure, but when discussing typical returns for comparative purposes people use an annual figure.

>>518954121 (OP)
Who the fuck has $100 per week fucking retard.

>>518954121 (OP)
ETFs and 401k and maxing HSA. And planning to retire at 75 and do some WFH part time job to quell some of the boredom. At that point I'll be sitting on more money than I know what to do with and I'll live out my last 20 or so years without worry and able to backup my kids financially if they get in trouble. Essentially the opposite of how the worthless fucking boomers did things.

>>518956672
>there is no scenario in which America goes to zero and you escape to some safe haven
they aren't capable of thinking up to that point. Long-term planning isn't their strong suit.

>>518954121 (OP)
What is this, straight S&P500? I am waiting for the crash and then gonna put around 10k in.

Please give advice, I am blue eyed and want to have kids.

>>518954121 (OP)
and what the fuck do i do when i'm old frail and useless? i'll have money and nothing to use it on

>>518954121 (OP)
>average
>not median
Lol.

>>518956711
>11% return is overly optimistic
It's not.

>>518954413
None of what you wrote made any fucking sense, unless you're just a broker.

>>518956957
>Who the fuck has $100 per week
I invest $1500 a week. $2000 if I work a little overtime.

>>518956841
>you don't get compounding returns from stocks

Stocks were MADE for compounding returns.

>>518954121 (OP)
>implying I have any money to spare

>>518954413
Shorting is a Jewish scheme to flip infinite gain potential with static loss potential into static gain potential and infinite loss potential.

>>518957060
zoom out.

>>518956672
>If America tanks we're taking all of you dumb fucking brownies with us

with what army? will they go and sacrifice themselves for free?

>>518956965
>At that point I'll be sitting on more money than I know what to do with and I'll live out my last 20 or so years without worry and able to backup my kids financially if they get in trouble.
Why not dynastymaxx and teach your kids to invest it well so they grow up to be billionaires?

>>518954413
>i'm a contrarian because it makes me think i'm cool
post your "gains" lmao

>>518957214
10%, even with the 1933 depression. 13.5% including divvies

and it's a guarantee your pinheaded ancestors thought 1933 was the end of the world too.

im sure there's no issue with the only feasible path of upwards mobility being through rent collection

>>518954121 (OP)
>>518954413
>>518954690
Can you honestly give me some tips? I didnt invest due to demoralization in my 20s, but just never clicked with economics, im good at event/future predictions but struggled with economics/finance.

I wanna start investing, any good books or resources so I can start learning. It seems like legit the smartest thing when you are also already making income. Id actually be able to start investing $50 a week since im slashing bills I dont need this month.

>>518957394
ur ancestors were pinheads

>>518957595
I mean to say I wasnt demoralized to not invest, just that I had no idea.

>>518957595
just go to /biz/ or reddit and do the opposite of what they say

>>518957767
you've been absolutely done
KEK

>>518954121 (OP)
>11% monthly with compound
nice bait

>>518954121 (OP)
> multimillionaire by retirement age
30% of men die before retirement age

>>518956191
Is there going to be a similar collapse in actual production? Because that's how you actually get hyperinflation -- there isn't enough physical stuff.

>>518957595
>I didnt invest due to demoralization in my 20s
your first step is to never listen to Jews or their pet retards (most /pol/ users) for financial advice.

Your second step is to read
>A Simple Path to Wealth by JL Collins
Get the audiobook. It's easier to digest and the author has a great voice for listening.

All you have to do is set aside 10-20% of your net paychecks towards index funds, think VTI and VOO. All you have to do is open a brokerage account, start dumping in money. It will grow tax-free unless you collect divvies on it, which is just bonus money on top.

And never pull out the money. If you REALLY need it, wait a year 1st and then the first 50k each year becomes tax free.

It will grow with the market, through the magic of compound interest you will retire a rich man. It's as shrimple as that.

>>518957595
VOO and chill

>>518958048
The contributions are monthly. The actual gain is 8 million, not 2 mil as I accidentally put it at $100 a month, not the $400 it would be.

The compounding is annually. So in reality my OP is SIGNIFICANTLY more conservative than the average.

>>518957993
you motherfucking limey tranny

>>518954121 (OP)
Im gonna be dead by then

>>518954121 (OP)
>Just wait for 47 years bro
>Maybe then you'll be able to afford a house

>>518954121 (OP)
20 year olds can't afford 400 a month you dumb shit

>>518954121 (OP)
I bought a photo of a fatigued looking ape with a dick in it's mouth. (Zoomers call these NFT's.)

I sold it for gain.

That's about as involved as I'm going to get in investing.

>>518958640
It says 100 a month, which a lot of people still can't afford

>>518958720
$100/week.

Thanks Poland.

>>518954121 (OP)
>47 years of growth
>11% return
Lol wow, very easy.

>>518958404
>It will grow with the market, through the magic of compound interest you will retire a rich man. It's as shrimple as that.

>>518958720
>>518958773
>You can't afford $100 a month to become a guaranteed millionaire. Yet you can afford cigs, booze, red bull, vidya, and internet. Every normie can afford a $300/mo.+ car payment, mortgage, student loans, and other crippling debts, but they can't afford to work 1 (one) extra hours a week to become a guaranteed millionaire.

This is a big fat excuse of the most pathetic magnitude.

>>518954121 (OP)
Nope i sure did not, in fact im hitting it hard in my 30s, maxing out IRA, 401k, and adding 500 bucks to a brokerage account every so often to be able to invest even more.

>>518954121 (OP)
You're missing the part where you get laid off because of an engineered bank crisis and have to liquidate your stocks (at a loss) to cover your living expenses. I'm tired of hearing about how it's "easy to get rich in just 50 years" in a system rigged to the hilt.

>>518957085
>>518957201
>>518957286
>>518957595
fucking idiots who missed the whole joke holy shit the rug pull is going to be fucking epic this time around, whole generation of moron broccoli heads who literally think everything only goes up

>>518957240
>Army
Read again Muhammad. I said every country on earth, friend or enemy is over indexed on the USD because we are the cleanest dirty shirt in the pile. Even those that can't use USD hold assets that only find their value in USD. If we tank you're going to be eating shit regardless of if you hold fedbux or crypto or gold or Yuan. No escape. So you may as well capture the most upward potential being as close to the blast radius as possible.

>>518954690
says the financially illiterate retard that routinely gets owned by mspaint meme posters
you know who you are faggot

>>518959169
well for 100 years its gone up a lot

>>518956138
Before 2030 is my guess

>>518959161
>You're missing the part where you get laid off because of an engineered bank crisis and have to liquidate your stocks (at a loss) to cover your living expenses. I'm tired of hearing about how it's "easy to get rich in just 50 years" in a system rigged to the hilt.
this, or the crash comes a year or 2 before you were set to retire. The entire thing is rigged from top to bottom. It used to not be completely rigged, I put the turning point at when the exchanges became private for-profit businesses instead of non-profit public "utilities". Which is probably before many if not most on this shithole site were even born

>>518954121 (OP)
11% rate of return

>>518954121 (OP)
I spent my 20’s having sex with homeless women. I’m now well into my 40’s still working as a stocking engineer at Whole Foods. I can only afford to rent a room.

>>518959161
>>518959352
>I made bad decisions and need to try to demoralize you to cope

congratulations retard.

>>518959385
Yeah that's too high.
World ETF earns you about 7.5-8.0%

>>518959502
who says I'm not invested? You sold right? All your big gainz are cash in your account right? Protip: until you do that, you haven't made anything

>>518957286
My gains are literally -100% ever week and its a good thing retard. I give all my money to better money users.

It's not contrarian at all, it's called respect.

>>518954121 (OP)
11% is unrealistic and you have to subtract inflation, taxes and possibly other fees like etf management fee.

>>518958990
yeah im agreeing with this anon here. I removed cigs and booze a couple years ago, and about to slash my internet more than in half. Its a massive excuse I find for most people. I do not make much money, but the change is massive.

I have people at work who make far more money than me, they bitch about not having enough, yet I always hear them talking about how they went out to the bar or club that week, again, every fucking week. Its chronic. They sports bet, they buy cars outside of their range for fleeting social cred (no one cares) or clothes they dont need.

[spoiler]Im not gonna stop dropping $30 every major steam sale though[/spoiler]

>>518954121 (OP)
11% isn't the average return, it's only the average to parasitic boomers who sold out their entire fucking bloodline 5 decades ago. There won't be an America in a other 47 years, the dollar won't even exist in 10.

i dont fall for this retirement scheme. they lock your money away until you are too old to spend much of it. then they will probably seize it.

>>518959502
>bad decisions
There it is. Rig the system and then blame the fallout on bad decisions/lack of responsibility etc.

>>518954121 (OP)
Never had a chance to invest until my 30s anon, $100/week is still impossible when you're living pay check to pay check.

>>518959169
You are giddy in anticipation of misfortune for people with certain hair cuts? I’m quite sure I’m fine missing whatever points you think you are making.

>>518959822
sounds like someone doesn't have a single dime to their name

>>518959952
Have you considered selling your ass hole to rich old faggots.

>>518959934
The 1% owns the overwhelming share of stocks. 401ks etc. are vehicles to prop up their values, not the other way around.

>>518959874
>>518960018
Meant to reply to this

>>518960018
this too, great point. retirement accounts are just exit liquidity for stockholders

>>518956072
>I'm already a millionaire. Just need another million before I've got enough to 4% rule retire.
Maybe if you stay in America.
$40K per year is already enough to live comfortable in most parts of the world.

>>518959874
lol what are you talking about?

>>518957394
You have to subtract inflation. And the last 10 years were extreme, a dead decade could well be on the menu, as the shift to superhuman automation ends many industries. After that, the closed loop AI economy will take off, of course.

>>518959953
>You are giddy in anticipation of misfortune for people with certain hair cuts? I’m quite sure I’m fine missing whatever points you think you are making.
I'm sure you are too!

>>518957595
>Open brokerage account
>Find QQQ etf (just copies SnP 500)
>Put everything into QQQ
>When you are 20 years from retirement move 25% to government bonds or a government bond ETF (gold is also an option)
>When you are 10 years from retirement make it 50% bonds/gold 50% QQQ
>When you are 5 years make it 75/25
>When you retire make it 100% bonds/gold
>Coast on 4-10% average returns per year which with proper investment and lifestyle should last you indefinitely, withdraw as needed
You can play with sector ETFs (eg. Tech or medical stocks) or individual stocks. You shouldn't need to get into options and I'd never recommend it unless you want to try to make investing your full time job.

>>518960287
>confusing the QQQ and the S&P
oof

>>518959612
>You sold right?
I don't sell. I buy, then buy some more.

>All your big gainz are cash in your account right? Protip: until you do that, you haven't made anything
That's the most financially retarded advice you could give.

>>518959769
>inflation
OK
>taxes
There are no taxes until withdrawal. And that is capped at 20% if you withdraw half a mil each year. If you withdraw less than 50k a year you pay ZERO taxes.
>fees
Index funds like VTI has a whopping fee of 0.03%

>>518959874
You don't have to invest in a retirement fund.
You can just invest yourself and stay in full control including ability to withdraw at any point.

Sometimes there is a tax incentive to invest in certain retirement funds but in my country for example you just end up paying taxes later instead of sooner (do your own research for your own country)

>>518954121 (OP)
People who like to give this kind of advice to the people who didn't do that assume that the reason those people didn't do that was because they were too lazy or irresponsible or too financially retarded to do it. But for the vast majority, the reason they didn't invest a $100 per week into the stock market every week for their entire adult lives is because they frequently didn't have an extra $100 leftover to invest after paying their bills and living expenses.
It's the kind of thing that some boomer who inherited millions of dollars in his early 20s and has never really had to work a real job or deal with financial hardship would think. For someone who has literally always had plenty of money, paying bills on time is simply a matter of sending a check or online bill pay or setting up autopay. For them, paying bills on time is a trivially easy task. Their spoiled rich boomer mind can't even understand that when most people don't pay their bills on time, it's not just "oopsie had the money but forgot to do it" it's usually because the person who didn't pay their bills couldn't manage to scrape up enough money to pay all of their bills on time.
tl;dr- OP is retarded boomer advise based on a completely incorrect presupposition.

>>518959822
>11% isn't the average return
It is the BELOW the average return over the past 50 years. Not even accounting for divvies, which can be anywhere from 0 to 8%+ YoY.

>the dollar won't even exist in 10.
Your broke ass grandparents probably said the same shit in 1933. That thinking is why (You) have to toil for a living.

>>518958404
Is the s&p500 an index fund?

I got some asml stocks on profit now, im thinking of selling. They’re high atm

>>518960086
>retirement accounts are just exit liquidity for stockholders
don't forget a nice constant skim for the boyz on wall st. Lock everyone into a selection of 5 shitty mutual funds with ridiculous expense ratios. Hard work but someone has to collect those fees!
>>518960449
>it's different this time
sure thing buddy good luck. If it's so easy and automatic why aren't you all in on maximum margin?

Reminder: do NOT take financial/stock advice from random retards on the internet

>serving as exit liquidity for the wealthy
>getting your money locked away until you are 60 with the best years of your life behind you
>good chance you will just croak before spending all the money accumulated
>they'll probably just seize the rest because you forgot to write in a beneficiary

>>518954121 (OP)
You do realize the USD won't exist in 2070, yes?

>>518957085
>>518957201
>>518957286
>>518957595
you dumbasses got r/whooshed

>>518960609
Lol what year are you in? Most retirement accounts have low expense ratio mutual funds, even ETFs. You also seem to think it's a likelihood that volatility will wash out decades of gains?l in short order?

>>518954121 (OP)
>now
>2072
anon is retarded

>>518957595
>any good books or resources so I can start learning.
Read the articles posted on https://www.justetf.com/en/
The TL;DR is you can simply buy a World ETF and have a nicely diversified "portfolio", no need to complicate it further.

>>518960887
typical lows over the completion of a market cycle are in the range of 60-70% down from the peak

>>518960673
>You do realize the USD won't exist in 2070, yes?
Doesn't really matter as long as the stock market still exists and large corporations rule the world.

>>518954121 (OP)
> 11% return
kek

>>518955777
>tfw found dead surrounded by tons of beans and rice that gets hauled to the dump

>>518954121 (OP)
If I had 1.8 million, I wouldn't even quit my job. That would only last around 15 years.

>>518961424
The 2008 crash dropped global stocks 55% and it took about 5 years to recover.

kek 2 million in 50 years wont be enough to be a carton of eggs

>>518960117
I mean yeah. But I want living in the third world like a king to be an option, not a necessity.

>>518961748
>That would only last around 15 years.
If you didn't invest during those 15 years.
Realistically you can expect 5% for 30 years while correcting for inflation.
So $90K (in today's dollars, will be about $210K after 30 years) for 30 years.

>>518961842
yes, and there was far less debt in the economy then than now, and the market bubble was less extreme. This can has been kicked down the road since the dotcom crash. I realize there is no real alternative (by design) to being in the market, staying out eats your purchasing power via inflation. But I think anyone who thinks they are going to be able to pick and choose the right things and come out ahead of their neighbor is going to be wrong, the debt is that insane, and we're reaching the end game of it as now the sovereigns are involved. But they've been able to extend for a long time now, and it's impossible to predict exactly when it will break.

>>518954121 (OP)
>it's easy bro, just park all your money on a no risk guaranteed 11% yearly rate of return investment
You no-stonks, no-crypto, no-clue retards are hilarious

>>518962616
Okay, then whats the correct move?

>>518962263
It's just a boom and bust cycle.
When investing long term you can expect to experience 2 or 3 of those cycles.
No need to worry about it, just accept that average earning will be about 7.5% and not 11% like OP claims.
You can even take advantage by investing some extra right after a crash.

>>518954121 (OP)
>11% for 47 years solid
fucking lmao
Piss off kike.

>>518959952
>$100/week
Minimum wage everywhere outside of the shithole South is basically $15/hr. So to compensate you could work an extra 7 hours. A little over 1.25 extra a day.

That would net you 8 mil at retirement age. OP pic is $100 a MONTH. You'd have to work an extra 1.5 hours a week. Can't do that? lol lmao

Wow! Now you can have $2M to spend at 70 years old when the cost of a median 2 bedroom house is $3M! Thanks BlackRock!

>>518960571
>those people didn't do that was because they were too lazy or irresponsible or too financially retarded to do it. But for the vast majority, the reason they didn't invest a $100 per week into the stock market every week for their entire adult lives is because they frequently didn't have an extra $100 leftover to invest after paying their bills and living expenses.
So all the retards I see whining about being broke after financing their shiny new F150s at $300/mo. are in reality all just financial wizards, downtrodden by life?

>>518961424
>>518960887
The anon you're replying to doesn't even know what the fuck a mutual fund or ETF is.

FYI if you contribute $500 per month to your 401K from 25 to 65, your inflation adjusted real growth rate will be about 4%, and that’s assuming inflation doesn’t rise. That’s it, just 4%. As low as 1% if we had another 2008-style downturn.

A 401K is nothing more than what cash savings was in traditional eras, only you can’t actually have it until you’re ancient.

The ONLY people for whom a 401K is remotely worthwhile are people who need to beat inflation just to not be homeless when they’re 70. That’s all a 401K will get you.

>>518960643
>exit liquidity for the wealthy
Did the wealthy get wealthy via compound interest, real estate investments, owning commodities, or sitting in Mom's basement eating pizza?

>money locked away until you are 60
Yep it's unfortunate. I wish the Jews had told me I'm not allowed to withdraw my money ever.

>they'll probably just seize the rest because you forgot to write in a beneficiary
Yep that's how it works. The state doesn't even look for this whole "next of kin" thing.

>>518961646
I lived amongst Mormons. They all have prepper bunkers filled with old ass food. Every few years when they hear some bad news they'll come out like roosters in the morning and proclaim, "THE END IS NIGH!"

>>518961748
>>518961927
1.8 mil / 10 = 180k

That's your permanent lifetime salary, should you choose to begin withdrawing. Or you can let it grow. Your choice.

Why are most of the doomposters ITT just giving non-stop retard-level statements? Like not even 80 IQ shit.

>>518963173
Mostly, yeah. First of all, you can’t finance a fucking Camry for $300/mo. you braindead BOOMER. A full-size pickup will run you minimum $500/mo. And you need a vehicle to get around don’t you? So if you have $400 discretionary income it goes right out the door for a budget vehicle. We don’t even need to mention rising cost of groceries, utilities, rents and house payments, etc. Where is the investment cash going to come from? It’s not enough to allocate to serious investments. And if you have some but not enough to invest, why not spend it on a nicer vehicle? There is literally no incentive not to.

>>518963572
None of the above. The wealthy got wealthy by starting companies that have high EV assigned by bankers.

>>518962784
>just accept that average earning will be about 7.5% and not 11% like OP claims.
My data is factual. Your data is speculation mixed with fearmongering/FUD.

Anything else, niggerfaggot?

>>518954121 (OP)
>11% returns
LOL

>>518963468
>your inflation adjusted real growth rate will be about 4%
Nice stat. It's completely wrong. Reformulate your demoralization propaganda.

>>518963693
>you can’t finance a fucking Camry for $300/mo
I made $15/hr and invested $500 a month into stocks at 19. How did I do this?

>I didn't live above my means (studio apartment)
>I cooked my own meals
>I biked to work until I could buy a car in cash
>I took up extra work/side gigs whenever possible

You are just making excuses. You are bitch made.

>>518956809
>7% return
LMAO where’s the sale on heroin?! Fed prime rates are 7.5%! Good luck getting these numbers

I don’t really know how to break it to the mathlets but if you actually run the numbers on realistic contributions and rates of return adjusted for inflation, a 401K is basically just hedging against going completely broke. Best case scenario you’ll have an extremely modest income to draw from in your 60s that will keep you off the street and nothing more. If you have any serious health issues, it won’t be enough to cover it. If you want a standard of living higher than extremely modest, it won’t be enough to cover it. If you live for another 20-30 years, it won’t be enough to cover it. It is basically nothing more than a vehicle for you to throw away your cash savings into just so you don’t end up completely homeless at 70. Most likely you’ll still have to work to afford a remotely decent life.

>>518957060
Yeah price in the 80s with boomer rates

I am 26 years old making $20 an hour, I don't think I'm gonna make it, bros.

>>518956565
you literally don't understand the fundamentals of this that they teach in business finance 101 class lol

>>518958404
Imagine believing that you gain interest on stocks

>>518958990
No it’s not. Present value dwarfs the uncertain future value. You retards really think you will gain 10% LOL everyone would be doing this

>>518964135
Inflation adjusted return is 8%. That lowers your growth from 33-fold to around 21-fold.


This thread is a blessing to all the anons who actually want to make it. And for this I must serve as a bulkwark against the constant excuses of losers and Jewish demoralization trolls that litter this thread, see >>518964173
>>518964243
>>518964251
>>518964357

>>518963986
Oh really? Show me your calculations then. Surely, you’ve done the math anon. The annual rate of return for a $401k (upside) is ~7% and inflation will have eaten into 45% of your total purchasing power in your 60s assuming it stays at 2.5%. That’s a real return of 4.4%. Let’s see your numbers!

I don’t really know how to break this to you, but $500/mo in stocks every month for the rest of your life is STILL not going to give you a massive fund. A good 401K nets 12% returns over 5 years. The cost of living is rising 13% every 5 years…

>>518963747
>unironically uses fear mongering and FUD
shalom, I shant be buying into the Jewish casino Moshie. I wish you better luck next thread.

>>518964372
> 8%
Complete horseshit. The annualized nominal (not adjusted for inflation) return of 401Ks is ~7%

Show your math.

>>518960449
Enjoy being the bail in money for ETF owners

>>518960449
If you think you’re going to withdraw less than $50k per year in 30 years you are fucking DELUSIONAL.

That will be a severe poverty budget by then.

>>518954121 (OP)
>if I cuck myself out of 400 bucks a month I can be a multimillionaire in 40 years and enjoy all that wealth while my body falls apart around me
>those multi millions will have the purchasing power of about threefiddy by then
amazing

>>518964420
>Show me your calculations
Posted it two dozen fucking times ITT

>>518964468
>>518964493
>>518964539
>>518964644
>>518964785
Jews.

>>518964372
Compound interest is a scam for old people, we just devalue your currency instead

>>518954121 (OP)
my 20s were 20 years ago nigger lover

>>518964841
>guy pushing (((compounding))) is calling me Jewish
I can’t laugh enough!

>>518964841
>Posted it two dozen fucking times ITT
Where? Quote them. You cited 8% inflation-adjusted returns which is fucking delusional. The nominal rate of return right now is 7%.

> Jews
Oh you’re retarded.

Look, dude. I’m not telling people not to invest in 401Ks. They should. But they should understand that all it’s getting them is a security blanket when they’re old so they don’t become homeless. Nothing more. It will not make them rich. It will not even make them well off. The math just doesn’t work. That said, they don’t have a better alternative unless they have high income.

>>518964841
the jews want you to join to become exit liquidity for them
it's why they are letting plebs buy into private capital now, because they can't make the bloated returns they want on their IPOs anymore

>>518954121 (OP)
isn't that a 401k?

>>518961424
ok, so then your answer is "no"?

>>518954121 (OP)
>11% return monthly
>Consistently over 50 years
Lol, lmao even

>>518963257
this was a very poor attempt at chiming in.

>>518954121 (OP)
>retirement age
Fuck off kike, I'm not working until I'm 70

Please understand that a 401K is only truly valuable once you’ve eliminated your house payment and are relatively healthy at 65+. Then it’s realistic to expect your costs to be low enough that your 401K gains can easily cover them.

>>518963672
>180k in 2072
wow ill be able to buy 1 egg per year when im 90 thanks

>>518965267
that completely depends on the amount accumulated in the 401k, dimwit

>>518954121 (OP)
>and piss your 20s away did you anon?
I wasn't hired to any job making more than 15/hr until I was 28. I really want to see OP's house because it's wierd there are always so many jewish people who get six figure jobs right out of college.

>>518965194

Very optimistic but good result comes with just 5% per year. No need to shame that. Least I don't.

>entire thread is nothing but demoralization shills trying to convince anons to sell out their futures to become worthless NEETs

no good deed goes unpunished.

>>518965368
You are not going to accumulate so much that you easily cover all of your realistic expenses and then some of you have a mortgage payment, rent, and/or healthcare costs. The amount you would have to contribute is not feasible. The ONLY and I mean ONLY benefit to a 401K is the employer match. You can generate the same returns just buying ETFs and index funds with no cap on contributions.

>>518954121 (OP)
>compound frequency:monthly
yeah this complete bullshit

>>518963693
Unironically take the 1994 lancer 1.6 pill

>>518966129
many people can't accumulate that much, many people can (and do). you also just honestly tried to minimize the importance of employer matching, which is an enormous benefit.

>>518965664
No we’re just trying to tell people not to accept financial advice from NPCs that preaches some pie in the sky reality 30 years off in the future.

If you’re middle income, there is no reason not to invest in your 401K. Just don’t expect a massive fund when you’re old.

If you’re high income, you’re better off dropping your contributions to targeting lower risk and higher risk investments but even then isn’t high enough to care much about not contributing to it. Again, just don’t expect it to yield some massive fund.

>>518954121 (OP)
FUCK THE turkish SCOUNDRELS

>>518966228
No, they can’t. What is your fucking malfunction? 401K contributions are capped as are employer matches. You cannot withdrawal without severe penalty until your 60s and you can only realistically expect a certain rate of return over the lifetime of those funds. You seem to believe you are going to net 8% returns adjusted for inflation YoY and can just ratchet up your contributions to infinity. You won’t and you can’t. This is all just objectively fucking true and you need to just get this through your head. A contemporary 401K is effectively nothing more than a savings fund. If you’re really lucky, you’ll beat inflation by a good amount. If you’re not so lucky you’ll beat inflation by a little. It will never be more than that either way. And more importantly, if you actually have a high income there are much better options with higher $/$ returns. If you’re middle income and really savvy, that’s also true. Most people aren’t high income and aren’t savvy. So they should still invesy in a 401K, but not be fucking delusional about it like you are.

>>518966258
>we’re just trying to tell people not to accept financial advice from NPCs that preaches some pie in the sky reality 30 years off in the future
nope. You're trying to financially handicap them and make them waste their lives as loser NEETs for another 20 years

>>518954121 (OP)
lol this is fake to get people to prop up stocks by "passive investing". the only wany to make any real money is to actively trade. dollar-cost-averaging might have worked when the USD wasn't in the toilet and the US government wasn't almost $38 trillion in debt, but thinking out 20+ years in THIS environment is crazy. it will not be around in 20+ years.

they're planning on dumping "private assets" (aka, bad debt) into the private markets (401ks, IRAs) soon and eliminate the $25,000 day trading requirement. this tells you that they plan on making main street the bag holders - your 401ks and IRAs.

if you were smart, you'd start buying gold or silver instead. it will be more valuable than stocks in 20 years.

>>518966664
yawn

>>518966509
you just had a lot of poorly attempted insults, but not a lot of math. See mine (pic related).
I also never implied that people can or should only save in their 401k. Merely that it can be sufficient for some people on its own.

>>518956809
>How do retards still honestly believe social security is anything other than a scam?

Its wealth distribution simple as. The idea is that its better to pay social security so our poor boomer grandmas who didnt invest have some money.

(we should kill all boomers)

>>518965664
>Please please please I need exit liquidity
The entire financial system including 401ks and social security are just schemes boomers use to steal. Nobody questions the reason 401ks need to exist at all. Why not just stop taxing people and let them invest their money? It's just using government power to tax to lock up wealth in asset pools to prop up boomers. THE VERY FACT 401KS AND THEIR RELATED TAXES/PENALTIES EXIST AT ALL IS AN A PRIORI ADMISSION ITS A SCAM.

I know NEETing is based because it makes the state SEETHE, makes boomers SEETHE, makes CORPORATIONS SEETHE.
ALL INVESTMENT STRATEGIES THAT EXIST STATE/BOOMER SYSTEMS ARE BASED

Fuck 401Ks, invest directly.

>>518954121 (OP)
By the time you retire, a million dollars will be able to buy you what a thousand dollars can today.

>>518967469
The crazy thing is, reverse social security would be 100x better. The government prints and gives youth money today, which they invest. That money builds real wealth, funds the real economy, etc. The "debt" created by the money is erased by the real economic growth. Any residual debt gets to be paid off with future, inflated dollars. Social security is literally an anti-investment. It takes capital out of circulation today, then re-injects it later when prices have gone up.

>>518954121 (OP)
>Use inflation adjusted returns
>Be more realistic with contributions
IDaily life was low class in my 20s with all the contributions to taxable brokerage (401k is just employer match and some more for old age retirement), but I'm in a good position now with the recent boom. Trying to get anything out of the market while younger is a different story and involves more sacrifice and risk than 30+ years of small investments which everyone should do.

>>518967304
Your model doesn’t account for inflation anywhere and assumes an over $100k salary at 30 years old.

Given the rate of inflation, how can an account value of just $1.2M be a lot of money for someone that has been making 6 figures for 30 years? Do you not understand that the median car price in 2054 will be more than 10% of that? What do you not get about this? Sincerely.

>>518968268
It’s less about boomers and more about money managers. 401Ks are basically a cartel between your employer and the fund manager.

>>518954121 (OP)
well unrealized gains are taxed in my country at a made up rate. so I won't ever get rich by design

>>518968568
That too.

>>518968481
>It takes capital out of circulation today

thats only true if you think the money you put in is the money you take out. in reality you put in money to support a program that invests money into boomers. think food programs for old people but instead of food its money.

>>518968799
Yes it's a simplification. Obviously the government "invests" taxes/loans earmarked for SS. But they to it in retarded that either don't beat the market, or are downright losses (such as social programs for boomers).

>>518967304
> my fellow NEETs, just make $120,000 per year at age 25 make 4% more every year until you retire at 65 making a quarter million income while maxing out your 401K contributions with 100% employer match the entire time so you can have enough money to live for about 10 more years on an income you haven’t had to live on since you were 23 despite the drastic rise in cost of living over those 40 years
Sincerely, do you not see the problem with this?

>>518969016
>downright losses (such as social programs for boomers).

yes programs for boomers are generally bad for returns. theyre not very good for the economy and they dont produce much. a net negative for the economy. the only thing keeping them alive is the fact that money people dont want to see their grandmothers and their aging parents suffer.

>>518968481
Never going to happen. The largest voting bloc is always going to vote for a wealth transfer to them and politicians will always sell that to them in a democracy. The tyranny of the plurality of you will.

And what will $1m buy me in 47 years? A big mac?

>>518954121 (OP)
Million dollars 40 years from now won't even buy you a car let alone afford you a retirement

>>518968481
The only actual solution is fixing the inflation problem. As long as you inflate away your money supply, you’re in a never-ending arms race where cash savings are worthless, labor has to be paid less in real terms, and you kick the can down the road in regard to wealth transfer systems like social security. There is no way to win in this kind of monetary system because there is no way to win with cash savings. That is the only thing that gets the average person to a better place.

>>518969198
>most* people dont want

if youre not making the line go up you deserve to get kicked out. midsommar style

>>518954690
There's studies from over 100 years ago predicting that by now the average work week should be roughly 10-15 hours at most due technological innovation, and that was with them widely underestimating computers. Other post is right, money's fake.

Also, no amount of money is truly useful to someone nearly 70. You are already dead, your life lived.

WOW I'll have 2 millions by the time I am 65 years OLD, less than 10 years from natural death, if I save every fucking month for my entire life ?

What a great advice!

>>518969379
>there's studies
I'll take your word on it.
>money's fake
Profound take. Got anything else?
>no amount of money is truly useful

I'll be retired by 30, because I put 6k a month into stocks, not $100.

Now gentlemen, we must find more demoralization psyops to cope with being failures who wasted our lives. Quick!

>>518968519
1) the model is clearly labeled with "real" returns, and those are materially lower than you'd expect. It explicitly accounts for inflation. It is also household income, otherwise you can apply it to the salaries of two people. Try again, dipshit.

>>518969645
> because I put 6k a month into stocks, not $100.

anyone who has an extra 6k to risk in investments is not worried about retirement.

>>518969156
>getting so assblasted that you samefag without realizing the grave mistake that you made in your analysis.

lellin

>>518969198
>the only thing keeping them alive is the fact that money people dont want to see their grandmothers and their aging parents suffer
Well lots of people do, I'm sure you're familiar with the many anti-boomer greentexts that get reposted here. Either way, if the government was stealing so much wealth through taxes, younger generations would be able to easily assist their ancestors (if merited) not to mention the ancestors would have more of their own money.

Regardless, people should decided if their money goes to parents/grandparents, not the government.

>>518969156
oh and you've wrongly assumed that this is the only source of income in this scenario. This household would also presumably be taking social security benefits. all around poor job by you in your haste to critique.

>>518970020
>Either way, if the government was stealing so much wealth through taxes, younger generations would be able to easily assist their ancestors

the idea is that boomers can subsist even if their kids hate them (or their kids died in war or something). I give my grandparents spending money because i care about them, not everyone is that lucky.

>people should decided if their money goes to parents/grandparents
>if youre from a poor family and cant support your elders maybe they should just die instead of being a weight on society.
even an autistic person can see why that take is very unpopular even if its "the right thing to do"

>>518969645
>I put 6k a month into stocks
Investing is easy when you're rich to begin with

>>518969919
>6k to risk

oy gevalt goyim! don't look at how we made our fortunes off of your labor. Just go to work and spend all your money on bullshit toys and expensive trucks

>>518960287
>Find QQQ etf (just copies SnP 500)

>>518970352
Considering how often you fags LARP as being coders for Fagman making 250k a year which you consider middle class I'm surprised you now suddenly think that's a ton of money.

>>518969645
>because I put 6k a month into stocks, not $100.
>I put in over twice the average income a year

People please stop replying to this fucking retard, holy shit. Sage.

>>518954121 (OP)
>put all of your savings into the jewish casino so you have a chance at protecting it from inflation.
How fucking dire this country is.

>>518970494
Two years ago I was a homosexual cocksucker like yourself falling for Jewish demoralization psyops. I had $7 to my name and used it to buy gas to do Doordash to pay the rent.

Then I joined a trade and got an apprenticeship with a Union because I'm not a fucking scab. Now I make good money.

And I would be filthy rich by even this age if I did this at 18, instead of listening to you losers saying the world was going to end with Covid. And I am very passionate at keeping anons from falling for the same bullshit you peddle, wasting their lives away before it's too late.

>>518970766
>apprenticeship
>6000k/month in disposable income

>>518970766
Forgot pic 1/2

>>518970766
If you're still a homosexuality cocksucker I got $50 with your name on it, tiger.

so ill have 8 million in 50 years when housea cost ten million and cars cost 700k and the country is 10% white? wowie!!!

>>518970766
2/2
Trades are a scam. First they flooded white collar with jeets. They'll do the same for trades (plus even more spics, MTG is already backpedaling on this). Trucking is already flooded.

They'll mock gen alphas for going into trades they way they mock gen z for going into tech. "Why don't young people want to collect garbage and donate organs? This generation is lazy!" will be the next refrain.

>>518970766
You"re literally the same anon who posts these threads, then. You also then lie about your paystubs.
>Two years ago I was a homosexual cocksucker like yourself falling for Jewish demoralization psyops.
Which is not consistent with anything you've said. 10-to-1, you're also that same motherfucker who says they make over 100k a year but is broke because you eat overpriced food.

You're lying. There's nothing you can now post that will convince me otherwise.

>>518956565
>>11% rate of return is very optimistic
>it is quite literally the AVERAGE. Last 50 years? It'd be 12%
bullshit

Lot of goys in this thread

do these niggers not understand what asset prices will have to be to justify security prices in the same time period? holy fuck

>>518954121 (OP)
>takes 65 years to accumulate $1M
This is not the flex you think it is

>>518971308
cant imagine how fucked the dollar and america will be in 65 years
what a nightmare

>>518971308
All these boomer/corporate/government investment vehicles lock up your wealth until you have a foot in the grave. That way you wield no power in life.

>>518954121 (OP)
400$ a month. In this economy? Nigger, I got mouths to feed.

>>518954121 (OP)
Now bring out the lottery diagram and tell me it's not the same.

Yeah 400 extra a month is more than most Americans have in savings.

Retirement is a real scam because yoye too fucked up to enjoy anything at that age.

My father in law saved from his 40s to 60s and now is retired. He sits on his ass and watches TV all day. Fat and sedentary.

Wow great living the dream.

Spend money on yourself, your health, live to be old and healthy.

>>518971092
just spouting shit doesn't make it reality.

Good thread, I wish I had smart parents who could teach me these things when I was young.

Whenever you make these types of productive helpful posts you always get a few crabs calling you stupid and talking shit, while neither explaining why youre wrong or contributing anything to the thread.

Reality is dumb people are the first to throw down those accusations because they know theyre the stupid ones and trying to put the label on others to distract you from putting it on them.

>>518972349
>while neither explaining why youre wrong
Plenty did, you're just illiterate

>>518969984
…which is…? Surely you’ll point it out anon.

>>518970081
> just make more than $120k per year every day of your adult life my fellow NEETs
Excellent financial advice sir

>>518972349
IT ISN'T FUCKING CRABS, IT'S BULLSHIT. Man cannot live his life at sixty-fucking-seven. Moreover, if you find an employer who will match your retirement contributions, you can retire in 20 years if you max it out each month. These work hard and forever posts are fucking crazy.

>>518954121 (OP)
>loaf of bread $1000

>>518972812
>>518972488
>>518971595
>>518971308
>>518971119
The OP post makes the point, quite obviously that even a tiny investment over a long period will lead to guaranteed wealth in retirement.

>$100/mo invested at 18 is $1.8 mil at 65

$100/mo is the bare fucking minimum. Anyone can invest $25 a week no matter how broke they claim they are. For giving this advice I'm being demonized by (You) retards, despite doing absolutely nothing but trying to help you.

>>518973109
Nice job missing the point retard

>>518969645
>6k a month into stocks, not $100.
lets assume you start at 18 and ur folio grows 10% a year. you will have 1.5mil by 30.
"That's a lot!" - might think an uneducated anon
truth is, lets assume that inflation is 5%. This means that
a). you only end up with an equivalent of 900k
b). you only get 5% of effective gains left after that, or 75k/year in future money or 45k/year in todays money. And less and less every year. Is that a lot? you can live as a king in some shithole, bu this is definitely not enough for reasonable QoL.
1.5 mil is not enough to make it. Do it until 50, and you'll have 17M (3.5M in todays money, 170k/year). That is much better, with a possibility to kickstart a generational pile.

>>518973244
you have no point except to shill against anons securing their financial futures and drag them down because you failed to do so yourself.

>>518971233
>goys
lurk more, newfag

>>518973562
YoY inflation is 2.9%.

Let's stop "assuming" when these small decimals amount to hundreds of thousands of dollars. Also, nice note on
>you only end up with an equivalent of 900k
Not the 900k in free money!

>>518954121 (OP)
by the time you hit retirement age that 2.1mm will be worth $2000

>>518973689
point is you need to reach another order of magnitude

you guys always say invest but you never tell us what company to invest in. Im a NEET. I only have NEETbux. How the fuck am I gonna do shit with a spare $100-$200 and what..cashapp..to invest in? All this stuff looks incredibly complicated and like a gamble. I don't have enough to gamble with. I don't have enough money to get complex with it or join financial institutes. You guys never offer very simple advice for people like me.

>inb4 kys

>>518954413
>>518954121 (OP)
Kill faggot jews

>>518974588
institutions*

>>518954121 (OP)
I don't have an extra $100 a week

>>518954121 (OP)
Geeee I wonder if there will ever be a correction to this idea of non productive infinite money

>>518954121 (OP)
400 a month? That's a lot for wagie to wagie to invest, also you can't trust the system not to fuck you over in 10-20 year period. Its almost 100% that some shit will happen, rich guys will know and get out and you will get rekt

>>518974588
>but you never tell us what company to invest in.
Vanguard target retirement funds if do not want to think about it at all

>>518954121 (OP)
>2072
>2072
>2072

>>518964372
you're actually too stupid to even understand my post at all, especially if that's your takeaway.

>>518960590
The S&P 500, Nasdaq, etc. indexes are just collections of various stocks that are meant to track how certain sectors of the economy. For example Nasdaq is composed of the most valuable tech stocks. The idea is that if these top stocks are doing bad, then the sector must be doing bad. There is no official "S&P 500 Index" but various companies have their own ETF/mutual funds that are created to invest only against stocks that are in a certain index; these are colloquially known as "index funds" for that reason. For example, Vanguard has an S&P 500 index fund called VOO that you can purchase shares against, and this will in turn automatically invest you against the entire S&P 500. It doesn't track exactly 1:1, but each fund tries as hard as they can to do so, rebalancing every so often as needed. I personally just put everything into the Vanguard NASDAQ fund called VGT since tech has higher returns over time, although they are more volatile in the short term. Whichever fund you go with, just research and make sure their fees are low, as they charge fees because they have to do the work of investing into each individual stock, rebalancing at times, etc. If you have high fees, it will eat into your returns.

>>518974588
It depends on your income level. If you’re high income, you’re probably going to want to focus on a barbell strategy that allocates your capital in a like 75 to 90 vs 25 to 10 split between low risk and high risk plays. Low risk would be like cash real estate, or even real estate where the realistic rate of appreciation is attractive relative to your interest payments (harder to find these days), TIPS, CDs, money market, Treasury I bonds, short-term bond ETFs, stuff like that. High risk would be growth equity stocks, IPOs, cryptocurrencies, options, stuff like that. If you’re middle income, you basically want to allocate your capital to getting to high income so mainly education OR you want to invest in a traditional 401K, Roth IRA, and maybe sound real estate purchases with as much down as possible. Any high risk investments would be gambling. If you’re low income, you need to invest whatever cash you have into upgrading your income, so again, education. So on the scale from low income to high income, you want to focus on education, traditional moderate risk investments like mortgages and 401Ks, and then barbell strategy low risk/high risk plays in that order. If you had the cash at middle income, you’d want to invest in low risk instruments as well as high risk instruments if you could but at a middle income you probably don’t have the cash. You really need a high income for that to be a viable strategy.

NOTE: All of this assumes you’re not going to invest your cash in starting a personal business, which is obviously the best thing you can do at any income level as long as you’re comfortable with the risk.

>>518974679
just because you corrected yourself like a redditard im not gonna help you

>>518975463
You aren't a genius for knowing that inflation exists. Of which, there has not been a single year in the last 100 that inflation has outpaced the stock market.

>He thinks he can cash out in the jewish monetary system
Stay the fuck away from the stock market and crypto, it's all BULLSHIT. You're better off learning a trade or selling your body. Brokerages will make you broke and fill you with rage, investing in jewish owned fake markets is a one way ticket to suicide and stress. Fuck the fake ass jew market.

>>518954121 (OP)
By the time you retire 2 million dollars might buy you a toaster.

>>518974588
The best thing you could do is invest that money in gaining digital and physical assets that could upgrade your income but you’re a NEET so you probably won’t do that. If you’re interested, that’s everything from writing downloadable PDF eBooks to vending machines. That’s really the only way to upgrade your income if you won’t get a job.

>>518975934
This but the exact opposite

>>518975934
> just get paid in wages forever
> in a system where wages are stagnant in real terms and worth less every year
Either you get into appreciating assets or you’re going broke. It’s that simple. The greatest trick the bankers pulled is making it so that you have to give them your money in order for you to keep your money.

>>518954121 (OP)
1 million dollars in 2072 will mayyyybe be enough to buy a mid-sized used sedan.

>>518956711
Nah the S&P has averaged nearly 15% growth since it's inception, there's oil/shipping companies that pay 10% dividends, there's even a Goldman Sachs ETF that pays 14% p/a monthly dividends.
I'd consider 11% to be pretty conservative, but I take risky bets by most accounts.

>>518976110
Crypto and stocks are not "appreciating assets", they are ponzi scheme scams. You're not fighting the system when you give out your social security and are using your bank to attempt cashing out. It's all GAMBLING, no worse than gambling. It's like being in a jew-owned casino. The House always wins. There is no IQing your way out of poverty except through trades and sex appeal. I am telling you.

>>518974588
Its as easy as buying something off Amazon. You just open a brokerage account (just like opening an amazon account) and buy the stock you want. There are many brokerage companies out there. As long as you find one that has zero commission fees (fee taken each time you buy or share a stock) you're good. You open the account, link it to your bank account, transfer money over, and then spend it on a stock. The brokerage you go with may have another way of doing it than a bank transfer but that's how I do mine.

The only extra thing to know is when you finally go to buy a stock, you'll have a choice to do a market order or a limit order. A market order is basically saying "I don't give a fuck what price I get it at, I just want it as soon as possible and will take anything". Obviously don't pick this one because the jews can and will take advantage of being able to set the price to whatever they want. When you pick limit order, you'll be able to type in exactly the price you want to purchase it at and the transaction won't go through until it finds sellers for that price.

>>518954413
That’s just retarded I doubt that works well for you.

>>518954121 (OP)
>multimillionaire
>$1.8m
Never change /pol/

The stock market and cryptocurrencies are the biggest scams ever concocted by the jewish government. You can't cash out! There is no cashing out! They just take your money and you baghold like a cuck waiting for some miracle and if the miracle comes they freeze your account. WAKE UP NIGGERS!

>>518976515
you are retarded and poor.

Reminder that an immaterial numbers on the internet is not a real asset, you'll have better luck buying shit like Pokemon Cards than crypto.

>>518976515
They are assets. Whether or not they appreciate depends but the thing about cash payments is they always depreciate. On average neither will depreciate as much as wages.

$1,800,000 TODAY would be good.

But that assumes we have been investing $100 a week for decades, starting around the 1980s.
Parting with $100/week in the 1980s is no small thing.

>$100 today, as of October 15, 2025 (using the latest available CPI data for August 2025), would have the equivalent purchasing power of approximately $25.71 in August 1980.

So purchasing power has gone down by a factor of 4 since then.
In other words, if you were parting with $100/week back in the 1980s, that would be the equivalent of parting with $400/week in today's money, or $1,600 per month.

Now tell me how many young folks have $1,600/month to invest after they've been taxed and paid rent and bills?

Oops.

>just be born really rich, bro!

>>518957394
Ok now run the same numbers and don't count on winning WW2 again.

1.8 million dollars will be worth like 50 cents in 47 years anon

go look at sportsball contracts 30 years ago for reference. a few hundred grand was record breaking, today its half a billion.

>>518954121 (OP)
barely keeps up with inflation man. You'd had been better off just using the money to invest in your home, which you can also use.

>>518954121 (OP)
>no inflation
You lack the basics
>assumed 11 percent return
Laughable

>>518977015
No, they are not assets. It's a png scam. I know it's so fucking obvious that you don't want to believe it but it's the truth. You either listen to me or learn it the hard way through experience. Don't go crying and roping when you lose because you were too lazy to pick up a useful skill license.

>>518954690
thats why killing a jew and living in his mansion off the infinite supply of gibs stipened onto the cards he had in his wallet is morally superior to investing in stocks.

both outcomes require jewing over others, but killing a jew and living in his mansion off the infinite supply of gibs stipened onto the cards he had in his wallet atleast removes the jew from the equation. the jew is now you, and you can use that money to boost your friends and family, even show them how to kill their own jews and live in their mansions off the infinite supply of gibs stipened onto the cards they had in their wallet

repeat this enough, and suddenly you wake up one day to find yourself rich, and you have your country back. and you have the power, wealth, and influence to get rid of the jewish system itself.

>>518977351
11% isn't hard to do. At least in the current climate. If you believe shadowstats, which I do, that's also just barely surpassing inflation and probably not even in the post-2% Fed era.

I wouldn't passive invest in anything but hard assets.

>>518977034
That's now how math works retard. YoY inflation is 2.9%. Subtract 2.9% from 11% and you get 8.1% real annualized return.

>>518977069
>comparing modern investing to WW2 conditions
Example no. 5912995 of fearmongering ITT

>>518977112
too retarded to merit a response

>>518977259
>>518977351
Since your other shill attempts are failing, and I have to keep repeating myself that YoY inflation is 2.9%, since you fuckers are completely incapable of reading, please tell me what $100 a mo. invested at 8.1% inflation-adjusted return comes out to.

>You won't do it

>>518964493
people in 401ks are notoriously under invested and often pick the fixed interest low risk option. Plus, there are plenty of retired boomers with 60/40 portfolios earning far less than equity returns.

>>518977830
>YoY inflation is 2.9%
in norway maybe
>>comparing modern investing to WW2 conditions
>Example no. 5912995 of fearmongering ITT
Yeah they always haul out the 'new paradigm' argument before the collapse. I just posted Dalio and I can show you some Strauss-Howe saying basically same shit. Show me one big asset manager who doesn't believe we're at the end of a multi-generational debt cycle.

>>518978428
>asset manager
I'm not interested in broken clocks getting their time in the spotlight because they happened to be right that one time.

This is a game of numbers. You are a faggot who wants to turn it into an emotional game. You won't succeed as a result.

>>518954121 (OP)
I'm paying more than that in student loans. Give me a million dollar house or we sack Jerusalem.

>>518977830
> That's now how math works retard. YoY inflation is 2.9%. Subtract 2.9% from 11% and you get 8.1% real annualized return.
This is the kind of retard giving financial advice on /pol/. Remember that.

>>518977830
Ask ChatGPT what the average inflation-adjusted returns for 401Ks are if you don’t want to do the math.

>>518977387
They’re by definition assets. Asset is just an accounting term. Assets can appreciate in real value. Cash doesn’t appreciate. Wages are not assets. Wages are cash. Wages cannot appreciate. Every $1 you earn is worth less in Y2 always. Not so with assets.

>>518979141
>I'm not interested in broken clocks
Bridgewater and Blackrock aren't broken clocks

>>518972095
>41 posts of contradictory LARP nonsense
>just spouting shit doesn't make it reality
Yes

>>518979728
Wages are just currency. Currency can inflate and deflate like anything else. You think FOREX trades don't consider currency an asset?

>>518980186
I’m giving up on you retards. Please do like 10 minutes of basic research on these terms before you talk about them.

>>518975738
you don't even know what post was mine or what I was stating, that is how monumentally stupid you are

>>518979357
>>518979553
>>518980719
>>518980967
>all these replies
>the reason: anon is trying to set people up for a good future using sound financial advice

>>518981349
Its always hilarious to watch losers seethe at the idea of helping others or making money.

They say since a million dollars will be worthless soon, youre better off with 0 dollars and saving nothing lmao.

If anything that would just make it that much more important to amass as much wealth as you can while you can

>>518954121 (OP)
But that's literally made up. It says right on there that's what the jews are telling you that you'll get not what you actually have.

The stock market is a jewish scam to steal wealth and seize assets. That's why Hitler outlawed it.

>>518977034
>That's now how math works retard. YoY inflation is 2.9%. Subtract 2.9% from 11% and you get 8.1% real annualized return.
Don't be mad.
You casually suggested investing $100 per week as if it's a small thing.
I simply said that $100/week in 1980 is more like $400/week now, hence your demonstration fails, and it would be more truthful if you said we need to invest $400/week - but then, this would defeat your premise, since no one can afford that.

What part of that don't you understand?

>>518982576
1.8 mil is $25 a week, not $100.

>>518982715
The calculation in the OP clearly says $100.

*ahem*

GIGANTIC FUCKING FAGGOT RETARD

>>518981349
you literally don't understand what compounding frequency is nor do you understand what my posts are saying. hopefully you never reproduce and pass down your profound retardation

>>518982829
>calculation in the OP clearly says $100.
No, it doesn't.

>>518954121 (OP)
$2.1M in 2072 won't be enough to buy a cup of coffee.

>>518954121 (OP)
>1,8mil
>millionaire
>specially in a few decades
I means, yes, but also no

>>518976110
>The greatest trick the bankers pulled is making it so that you have to give them your money in order for you to keep your money.
No, the greatest trick of the banks is credit creation. You probably still believe in fractional reserve lending. Banks don't lend assets, even fractionally (even at 0% reserve). Banks CREATE money when they issue loans. Taxes create demand nationally, and the petrodollar does internationally. You are FORCED to use the banks' fake money or the IRS throws you in jail. They aren't tricking you into using it, they're coercing you. The trickery is fooling you into thinking credit creation isn't real, also tricking you into thinking that borrowing dollars is like borrowing something real which would deprive the lender of property if you don't repay. Banks NEVER incur risk when they lend. There is NO moral failure in not repaying them, only the risk of coercion via the state.

https://banklies.org/

imagine beleiving this shit when you have to pay for all the unwed mothers, that 1.8 million is really like 1 million and everytime you withdraw it is taxed again congrats it's now 700k enough to buy a house

>>518954121 (OP)
>1.8 million in 50 years
When a can of coke will cost 5 dollars.

lol poors

>>518960287
>Coast on 4-10% average returns per year
The U.S. dollar has lost 10% of it's value this year alone.

>>518977830
Being completely honest my nigger

11% gains include the last couple years.

It used to be 9% and then before that it was 6%.

Basically all I'm saying is that the markets are set up so that it's really attractive to put all your money in stonks. And for 23 hours and 30 minutes a day it's foolish to go against the momentum. But it's just music at the end of the day, a giant ocean of money that doesn't completely exist. A game of musical chairs where there are roughly 50,000 couches, and 5,000,000 chairs.

And we keep adding more players and for every 100 we add we sawing off another chair legs to make more chairs. Every 10,000 players we get another tree we can turn into chairs. Now with AI we can get a free virtual player and portable musician on our cell phones.

Fascinating stuff, maybe I'm just not rich enough to fully appreciate the long term benefits of a market making my money work for me, but the numbers are getting more and more incestuous, the wealth is getting less and less real.

I joked about shorting, but being completely honest, if I was comfy enough not to worry about money, I would dump 95% of my wealth into a short right now. The crazy thing is, being completely honest, I would have done so 50 years ago too. Man I would have been so boned if I was a boomer.

The question quits being "well how much is my investment really worth" and becomes "holy shit how far can blind optimists really go?"

History says "not forever and perhaps not much further" but it's been saying that for 50 years anon.

>>518987663
>I joked about shorting, but being completely honest, if I was comfy enough not to worry about money, I would dump 95% of my wealth into a short right now. The crazy thing is, being completely honest, I would have done so 50 years ago too. Man I would have been so boned if I was a boomer.
Price action was total dogshit in the 70s. S&P was only up like 20% for the decade against huge inflation. You could do really well running shorts from the highs assuming you were connected enough to open them in the first place.

Or short 'the system' by buying silver. People who did that made out like bandits.