Even just $300 bucks a month into boring low cost funds and eventually the returns on your savings take over and do all the work for you. 94.29% of your pot is returns alone after 50 years. $7.1m usd.https://iqfy.com/compound?s=0~USD~10~12~50~12~300~3
>>62479812>300 bucks you need right now a month, will supposedly turn into vast riches when you're too old to enjoy it>just be a slave the whole time
>>62479843permanent slave lineage
The problem is it takes all your life to get there.Yes I know it's better to have it than not have it when you are old, but it is firmly overhyped as a concept.
>>62479854I made it 50 years to show how fantastic the sum gets if you start saving already as a child and never quit. They aren't forced to keep going until retirement. You don't see the value of $1m liquid to your name already in your early 40s?
>>62479854and why not let the kid decide on his own? The point of the thread is just that if you're a parent and you don't help your offspring understand compounding interest as soon as possible, you're terrible
>big numbers gets higher percentage returnswow enlightening. it takes 40 years to reach "big number", meanwhile in this timespan your direct counterparty has accumulated hundreds of billions of dollars on which they are also gaining compounding interest while degrading your quality of life in every way
>>62479881>the "direct counterparty" to your kid is a hundred billionaire>if you make your kid a multimillionaire these billionaires might swoop in and bully him like in an 80s movieYeah better for your family to remain poor forever so that scenario doesn't play out. Stay vigilant!
>>62479812Cool. Where do I get a guaranteed annual return of 10%? Do you think the S&P500 can continue to return 10% per year for the next 50 years? The current average p/e of the SPY is around 32.If you adjust for inflation and use a 10-year average (Cyclically Adjusted P/E), the current ratio is around 41.8. So weee paying $41.80 for every dollar of earnings. Are these companies on the whole going to 42x their profits AND compound their growth by 10% per year for the next 50 years. How????
>>62479812Normcucks still come here? GTFO fag
>>62479902Port of broad cheap indexes without worrying about any given year's multiples. Your kids will get a great average over time.
>>62479812Kids brains aren't developed enough to truly understand it, like they can hardly imagine what they're going to have for breakfast tomorrow, not to mention 50 fucking years. If a kid can think that far then he is a 1 in a billion genius and is likely to succeed anyways.
>>62479843>everything that benefits me is slavery
I love how everyones' "babbys first finance" these days is vibe coding the same exact return "model" that's just a straight monotonic exponential, and now there are 20 brazillion "tools" because people cant type =A*(1+R)^T in a calculator.
>>62479902>Doesn't understand what the S&P actually isThis is reason #12 why you will never not be poor
Stop rationalizing parental neglect. Compounding interest is the easiest thing to understand, we just don't teach it. You can even cheat by memorizing simple formulas like money doubles every 7.2 years assuming 10% interest
>>62479843This, they made a system to harvest your life force. You think the money is there because it shows numbers on the screen, but the money was gone the second you put it in there.Unfortunately there's nothing you can do, as a slave you have to play along if you want to do well among the slaves.
>>62479843.t lost it all again d*ytrading on stocks
>>62479951This, you should just give up and accept your fate as a slave.(if this works on you, you are indeed a genetic slave)
>>62479812inflation, money printing and tax means you end up with 300 buying power or less
>breo just 50yearsGood way to demoralize the youth i guess lolYoure not wrong however
How poor are people that they can't invest more than $1k per month? I make less than $100k per year and I'm investing $2,500 per month
>>62480028Are you flexing on children
>>62479812my mom always complained about how retirement accounts are scams ever since i was a teeni kind of took it at face value and didn't think much of it and only started putting money into retirement at 30 it turned out she didn't select any investments for her IRA and let it bleed out over 30 years from $50k to nothing in annual fees it's also child abuse to FUD your children
>>62479812Those boomer ways don't work anymore in our uncharted clown era anyway.
>>62480028Weak bait.
>>62479921The me now isn't me in the future. It's some other me and I'm not giving that faggot my money.
>bro just invest for 40 years and you'll be rich when you're 70 lmaooo
>>62479843That's why you as a parent compound years beforehand on top of teaching your kid to do the same so when you're old and he's ready to move you help him out with your added decades of accumulation, you hedonistic faggot. Your child is your most important contribution in this world. Of course it's fucking retarded to not touch that money until you're a senile retard. All my investment is oriented on building a good nest for my family.
>>62479846>>62480285>Throw away your life so your kids might have a chance!!Good slaves. Work those fields.
>>62480285Very nice. I invest an additional $1.5k a month + random lump sums depending on circumstances. Average 16% CAGR through half etfs/funds and half an ever changing portfolio of companies with good multiple to growth ratios. House is 75% mine and I got couple bitcoins and some gold. The future is neonbright if you want it to be
>>62480326Usually if you're a parent you usually put the life of your kid above yours, yes, the fact that we're living through this clownworld is precisely because an entire generation decided to think like you and eat their young instead of following their parents example and fighting for a better future for them. You consider giving your kids a better outcome is throwing away your life because you're comically subhuman and are unable to see your hypothetical kid as more important than, say, a complete stranger or your immediate vices. The only slave here is you, spending all your hard earned money in bread and circus. At the end of the day I'll die knowing I did what had to be done.
>>62480285>>62480351Your kids will not understand or appreciate it and will buy a bunch of dumb shit and waste it all>n-n-no t-they wont, im different, my kids will be different!!!!I am lmaoing @ ur life
>>62480358People are 8 parts nature and 2 parts nurture. The thread is about teaching kids financial sense. Enjoy your lmao
>>62480358I find funny how you keep assuming they will decide to just waste that money, meanwhile your kids won't even have that choice. Even if you say there's an 80% chance they squander it until they're broke, in your case they will 100% be broke slaves regardless, in any possible scenarios.they will never have any choice because daddy decided he had to go to Thailand to have sex every 5 months because that's apparently what makes him different from a slave or something.
>>62479843Yes, that is indeed how the system is designed. Because most people, like OP, are genetically programmed to enjoy it
>>62479843Better to be a slave for 20-30 years, saving up enough to one day buy your freedom. Rather than being a poor slave your whole life or leaving your fate up to chance by gambling.
>>62480370>>62480383Keep coping slavefags, whatever helps you sleep at night.FYI: Your 50 years of investing for your family will be spent on dumb shit within 2 years of them inheriting ur shit
>>62480420Where is optionality in your calculation? I have the option to wipe out my wealth and join this alleged aristocracy of the poors in 24 hours if I really wanted to. You do not. You are just poor, and probably your kids will be as well.
>>62480449HAHHAHAHA HIS KIDS ARE GONNA SPEND ALL HIS LIFE INVESTING IN 24 MONTHS MAX LMAOAHSUIHASUIDFHUIDSFHUIAAHAHHAHAHAHOH NO NO NO LOOK AT THE TOP OF HIS 50 YEARS OF INVESTING FOR HIS KIDS AHHHHHHHHHHHHHHHHHHHHAHHAHAHHAHAOH NO NO NO HE TRIED IT OHHHHHHHH AHHAHAHAOH NO NO NO NOTHE MONEY IS ALREADY GONE ALL THAT LIFE SPENT INVESTING FOR HIS KIDSOH NO NO NOAND THEY SPENT IT ALREADY NIGGAS BODY STILL WARM AND ITS SPENTHAHAHHAHA
>>62480449They have no answer, because they will never admit they're the actual natural slaves. Our goals are to get our kids out of the rat race earlier, i.e., helping them stop being slaves. Theirs are to be perpetual consoomers and chase short term dopamine bursts because they assume their kids will be as degenerate as them so why bother planning for anything. Their only aspiration in life is that their cage looks a little bit fancier.
>>62480358Dumb shit like root canal? Down payment for home? Car repairs? Eye doctor??
>>62480536Nah dude that's on them for not working 10 hour shifts when they were 3 years old, why should I ruin my life forever to fix their eyes or teeth? That's being a slave bro, letting that kid rot to death is actually being out of the matrix.
The bottom 90% are part of the permanent underclass.
>>62480508>>62480536>>62480546Just kinda kind it funny ure gonna work the next 50 years just so ur kids can spend it shortly after ur deadUre poorfags who will have at best middle-class net worth when ure dead, which will be split between ur kids, who will have no old money values or support, they'll just have a decent amount of money, which will all be blown immediatelyU are not some protected old money family where there are barriers to the kids fucking it up, ur kids will just get deposited some money straight into their account from an inheritance and they'll have no one around them like an actual rich kid does to tell them what to do or what not to doand they sure as fuck arent gonna listen to ur ass, they'll just be glad they finally got their inheritance now they can buy a sports car and NEET it up for a decade
>>62480285>don't give money to kidsThey struggle most of their lives and only get to enjoy money when they're old and can't really enjoy it.>give money to kidsThey take it for granted and waste it all, not really enjoying it. We should get to live two lives. The first one to learn about life, the second one to use it to its maximum potential.
>>62480591The entire point of the thread is to teach kids basic financial sense from the start. Compounding interest is easy to understand and motivates you to invest your money, not waste it. You are using this thread as an opportunity to lash out about something you've seen happen in poor communities full of junkies and permanent losers. Very strange
>>62480633>>62480633>You are using this thread as an opportunity to lash out about something you've seen happen in poor communities full of junkies and permanent losers.Those types of people dont get inheritances retard I am talking about boomers who have 3-4 kids leaving maybe $5M to their kidsThat gets split multiple ways and most of it gets blown immediatelyThis happens literally all the time now
>>62480644>I am talking about boomers who have 3-4 kids leaving maybe $5M to their kids>That gets split multiple ways and most of it gets blown immediatelythat's 0,01% of the population
>>62480656People think millionaires are everywhere and also think a million is nothing. But statistically, only 10% or 2.5% of people even have 1m. lol. Every lifestyle they see online is of someone with 5m or more. All the celebrities and athletes are all worth over 50m. The average person is poor, broke and/or struggling and worth nothing.
>>62479902people DO actually think it'll keep going up like this forever. It's going to be absolutely wild when it crashes
>>62479911>please goy, keep buying low fee broad spectrum index funds, its that easy!
>>62479843This, don't save $300 a month, just spend it on doordash so you have nothing when you're old
>>62479812>Gets unavoidable cancer 15 years into investinghaha oops
>>62479843at 30 you'll be twice as rich as your peers already
>>62480089Literal actual nigger brain
>>62479843Yes
>>62479843I fucking love that God made poors not care about their descendants. Keeps them from stinking up my country club kek.
>>62479812>monthlythats nice dear
Poor people sound and look annoying
>if i put $300 into low cost funds and they beat inflation and are positive returns for 30 years and i don't meet an untimely death or have serious health issues and need to sell or otherwise lose my net worth and need to sell and the gains aren't totally eaten by hyperinflation and we don't have ww3 then in 30 years when i'm an old man i can collect a couple hundred thousandi mean yeah but also who gives a fuckdo you think this is how jews get rich? they laugh at goyim like you waiting your entire life to have a couple hundred thousand which will be worth way less.you know that when governments have mandated that wagies invest in stock market as a form of retirement savings that it's all a fucking scam and is going to zero in our lifetime
>>62481244Well then what's the alternative here
>>62482628You losers never have a new line. Jews, inflation, conspiracies, blah blah. Stay poor and bitter then, africa-brain.
>>62479812no! i will live like a king now! the future doesn't exist
critical nigger levels in this thread jesus christ this explains exactly why the third world is as shit as it is.
$300 x 12 months x 50 years = $180,000$180,000 in 1975 = $1,100,000 in 2025 adjusted for inflationA 7x in 50 years? That's a godawful return compared to almost any other serious asset.
>>62483438You's so right. 10% a year will only result in 7x after 50 years. Investing is a jewish scam.
>>62479812I was never taught about it but my moderate success in investing seems to be part of why motivated my dad to look into assets beyond the stock of the company he's currently with. It'll be interesting to see whose portfolio goes furthest since we happened to choose different assets for now.
>>6248346010% a year for 50 years is 117x. That guy is actually retarded.
This retarded>muh just buy le index fundshas been the most successful American psyop in historytrillions of euros from midwit Germanics and Nordoids are fleeing our European homeland to pump the American stock markets because of this "advice"
>>62483509Europe is a graveyard of red tape and third worldist politicians. You can't do anything right and are in the process of becoming a vast middle eastern slum
>>62483509These people call bitcoiners mentally ill but will do the exact same thing for the us stock market assuming the next 50 years plays out like the last 50 yearsDespite the demographic that made it all possible dwindling down and the entire country becoming brownImagine thinking a brownoid America with a minority white popoulation is gonna be the same as a 90-99% white America was historically
>>62479812>what is inflation
>>62483518So in addition to having figured out that investing is a scam, you are also an investment advisor with macro analysis. Incredible.
>>62483521and feesand taxesindex funds are not 0% feethey charge a feeand they also charge a fee based on the size of the portfolioand any in u derive from it later when ure 70 years old is taxed fromand also new taxes can come in any timeand this is all assuming nothing changes and the markets (US markets) just go up like they have historically but with a minority white population some how
>>62483517Yeah bro I'm sure Fox News told you about it. We literally have sharia bro, shit's crazy. Hold on I have to go for mandatory salah and I'll come back to the thread soon.
>>62483524and yet youre still here copingits almost like something is keeping u hereu wanna keep arguing as to why ure gonna spend your entire life working to invest and then die a little bit after that, so u can leave a legacy to ur kids, who will blow it all within 24 months of ur death
All the cope and seethe itt is a defense mechanism. Parents will simply never accept that they've abused their children. Even the ones who transed them and cut off their genitals. Their egos require them to stay in the delusion for life.
>>62483527Why would wealthy middle aged people who got taught about compounding interest from a young age blow their inheritances?Stop projecting your trailer park traumas onto others
>>62483532U cant teach someone 50 years of hard work with words, you stupid cunt
>>62483526Note how the european casually speaks arabic and is familiar with the rituals
>>62483509how would I benefit from investing into europe (as a european)?
>>62483533Like I said earlier in the thread, people are 8 parts nature and 2 parts nurture. It makes sense that someone from a trailer park will have a very dim view of human potential. Even the best education in most instances can't outcompete white trash nature
>>62483540and yet here u arerefreshing the thread every 5 secondsneeding to convince everyone how youre doing it right by sacrificing ur life away for a meager middle class inheritance for ur kids who will blow it all way
Have you noticed all these "Muh leave a legacy" guys are literally all only at most gonna leave a couple million dollars to their kids.... in 50 years time....Literally acting like thats worth sacrificing ur entire life for something that isnt anywhere near gennie wealth..... LARPing as if they're some kind of Lord or part of the mega wealthy clubMf'er is gonna sac his entire life just so his kids can get a meager middle class inheritance that wont even go far, and thats not even taken into account inflation, fees, taxes and the fact it'll be split between several of ur kidsNIGGER URE A LITERAL PEASANT, STOP LARPING LIKE U GONNA HAVE GENERATIONAL WEALTH THAT YOU HAVE TO ENSURE STAYS IN THE FAMILY LOL
>>62483556This nigga really saw teenagers get advised to put away $300/mo and concluded adult investors save $150/moStop contributing your ideas to the thread and go contribute blood plasma instead
>>62483534American education etc.
>>62483567That's not the only thing you're taught about your superior (America) during your "salahs."
>>62483556Defeatist crab in a bucket mentality. Explain why you don't just OD on heroin today if this is your mindset.
>>62483562The strangest part is that people post as if people can only use 1 strategy at a time instead of combining it with investing in assets with the buy-low-sell-high goal in mind.
>>62483578All im doing is making fun of (middle class--at best) people here LARPing talking about their legacy and leaving their family something...... meanwhile in reality theyre just peasants who will scrimp and save and invest everything into a "safe" boomer fund, where the end result is a couple million, which will get inherited by their kids, who will split it up between them, and likely due inflation fees and taxes, wont actually have that much buying power in fucking 2075.... implying there even exists a recognizable country and stable economic system in place, that hasn't been completely overran by socalists/communist and brown hordes which will very much likely put some kind White people tax specifically targeting White individualists like the people in this thread who think they're some how above other White people (notice the constant "hurr durr you're from a trailer park) - you just know this guy is a self-hating White liberal
Wow these stinky poors are like 4/10 women who get mad about 7/10 pickmes. Your bitterness is just a projection of your insecurities about not getting rich quick overnight while people in your age bracket that listen to advice like this have actual wealth.
>>62483676spending age 20 to 70 working to end up with a couple million in a retirement account is not having "actual wealth"thats you LARP'ing as a rich guy thinking you're part of the wealthy elite club
Ewww dont reply to me brokie.
>>62483700>at best middle-class chud thinks he's part of the wealthy elite because he has a retirement fund account that will be worth 7 figures when he is an old man and the end of his lifekek
Shouldnt you be delivering doordash or something brokie? Gotta make more money to lose daytrading sonehow!
>>62483672>"implying there even exists a recognizable country and stable economic system in place"Permanent poors and conspiracyheads are one and the same. In the 90s they said the UN was going to invade the US within 10 years. Better spend your money on ammo instead of something worthwhile like a proper diet for your kids or investment
The funniest part about all of the stuff in this threadI am in my late 30's, and have a self-made net worth of over $40MIf you aren't a slave, you will look for something to make those millions within the next 5 years, not in the next 50 years.Brainlet slaves gonna be brainlet slaves so I am speaking to a brick wall here
>>62483719Straw man argument now i see?, yep, I won, defeated
>40 million net worth crashing outYeah sure lol brokie mad
>>62483727>thinks he is superior to others for not replying to them>uses the term "crashing out"You're a literal child
Just put the fries in the bag
>>62483672And all I'm saying is that your mindset is that life iredeemably miserable and hopeless and there's no point in improving your situation. So if that's your mindset, why do you not simply borrow and withdraw as much money as you can and blow it all on hookers and drugs, and when then kill yourself when the money runs out. Seems optimal given your hopeless mentality.
>>62483741
>self-made net worth of over $40MOh okay you're a bad faith LARPing fag, nevermind, enjoy your LARP
40 million net worth supposedly and hes melting down for hours on a wednesday about others not pumping his bags with daytrading.
>>62479843Fpbp
>>62483768>>62483771Its okay to feel mogged by me being in my 30's already having 10X what you expect to have in your 70's
Im not mogged by an imaginary 40 million. Try not to pop a blood vessel its not even Friday!
>>62483791The fact you think 40MM is a LARP is proof you're poorIt is funny because I should be the one acting like I have generational wealth to protect and ensure my kids dont fuck it upBut I know that is a fools errand, because you know, I actually have already made it and know what its like to have generational moneyYou on the other hand project as the wealthy, because you imagine yourself at 70 years old with a couple million dollars in a retirement fund.Cute
>>62479986Says the guy who builds his life around money and banks.
Laaaarrrrrp
>>62479870>a child has $300 dollars a month to invest in index funds >a child knows what index funds are
we need a third world firewall.
there is no point into compounding when you are very youngwhatchu gonna do, watch your 50 bucks compound? lol
>>62479812Not really.
>>62479913Does anyone not realize that you can put in more than $300 per month, effectively reducing that number?$600, then it's 25 years, $900, then it's 12.5 years etc.
>>62485703I think a lot of posters ITT intentionally misunderstand every part of the point in the OP because they have had kids (average 4chan poster is a divorced mid 40s guy) and feel personally attacked
>>62479812they teach this in almost every US math class from grades 3-12if you missed it that's because you're a retard, not because they didn't teach it
>>62485741Makes sense. Strawman is the default mode of operation for faggots.
>>62479812It's crazy to assume 10% annually, that means American hegemony continuing as uncontested as it was in the 90s and 2000s. As well as inflation actually being what the government says (lole).
>>62479812I want stupid poor people to continue to be stupid and poor though.We need to be encouraging stuff like >>62479843
Dont try to help these people.they deserve to be working a gas station until they are 75 because they cant afford to retire.
>>62485837yeah, because you can't invest in global ETFs, right?idiot.
>>62479812My kids will know about everything that is related to Polkadot.
>>62479812If you adjust that by inflation you'd still be losing money
>>62486024You figured it out. Investing is a jewish trick to get you to insert crisp nutritious dollar bills into the semite feeder (bank)
>>62485980Whether you do or dont do this investing strategy you'll still be working till 75 which is exactly why its a meme
>>62479812Child abuse is official state policy. The system needs victims.
>>62479812most people dont get it, and those that more or less do, like me, didn't cared till 25s or 30s, so not so sure.
Child abuse is le bad.Ban everything good from children.Job market now is dominated by woman and nobody wonder why it is child abuse to child labour but not woman labour.???Profit
>>62479812Over the last 50 years the purchasing power of the dollar has declined by more than 80%..Your $7.1 M in 2076, won't feel like "$7.1", it will have the same purchasing power of less than $1M of todays money....and by the same logic, the "just $300 bucks a month", in 1976 that would be the equivalent of $1776 today. You are saving most of your disposable income to not be a millionaire 50 years from now.
>>62479812If you weren't part of the top 10% in 2025, you're lower class
>>62483509you can buy european index fundsthey just suck because euros believe in socialism
