Message from @bicycle

Discord ID: 396392817015914514


2017-12-29 19:56:33 UTC  

then saved up until I could start a business

2017-12-29 19:56:53 UTC  

I would never have done any of this college shit

2017-12-29 19:57:10 UTC  

oof my parents are making me go to college

2017-12-29 19:57:14 UTC  

brb going into debt and paying commies to convert you to communism so you can try to buy a job

2017-12-29 19:57:31 UTC  

do me a favor bud

2017-12-29 19:58:08 UTC  

at least I can afford college and not need to take loans

2017-12-29 19:59:12 UTC  

1. calculate the total cost of college
2. go to www.portfoliovisualizer.com, click "backtest asset allocation," start as far back as you can go, and do 60/40 stock/bonds from the dropdown menu on the right
3. set it so that you start with the total cost of college, and then add 30k every year (assuming you lived at home with your fam and just invested that same money while working, saving and investing more)
4. look at the annual return, how much you'd have at 5 years, how much you'd have at 10 years, etc
5. if it convinces you, show it to your parents

2017-12-29 20:00:19 UTC  

or tell me and I will punch it in for you and give you a link

2017-12-29 20:00:46 UTC  

I honestly cannot understand why the fuck a 50 year old ever thinks college is a good idea

2017-12-29 20:00:49 UTC  

they've had time to learn better

2017-12-29 20:01:03 UTC  

woah woah woah are you talking about investing?

2017-12-29 20:01:07 UTC  

look man ive got it down you see

2017-12-29 20:01:11 UTC  

I Bought Bitcoin

2017-12-29 20:01:16 UTC  

a 20 year old thinking something stupid I could understand, a 50 year old still being stupid is unforgiveable

2017-12-29 20:01:17 UTC  

because they grew up in a different world than us

2017-12-29 20:01:34 UTC  

even in their world my way is smarter

2017-12-29 20:01:47 UTC  

they had way more market growth over the course of their lives than we will over the course of ours

2017-12-29 20:02:11 UTC  

warren buffet is castle rich partly because he knows his stuff but partly because of the rate of return in his day

2017-12-29 20:03:14 UTC  

of course middle aged people can think stupid things

2017-12-29 20:03:14 UTC  

most do

2017-12-29 20:03:32 UTC  

most americans will live totally worthless mundane lives

2017-12-29 20:04:06 UTC  

like my LGBTQ ally high school physics teacher who angrily replies to trump tweets

2017-12-29 20:05:25 UTC  

she rages at trump on the internet because she is a loser who can't do anything else to realize any of her dreams

2017-12-29 20:05:49 UTC  

she probably stays up at night raging about stuff donald does, and donald does not even know she exists

2017-12-29 20:05:50 UTC  

how sad is that

2017-12-29 20:05:54 UTC  

oh no, it's a 46 year old man

2017-12-29 20:06:12 UTC  

> lgbtomgwtfbbq
> man
son, I...

2017-12-29 20:06:30 UTC  

i always had a theory he was a huge pervert

2017-12-29 20:06:40 UTC  

is he gay?

2017-12-29 20:06:42 UTC  

no

2017-12-29 20:06:49 UTC  

he is "married" with 2 daughters

2017-12-29 20:06:51 UTC  

he probably masturbates furiously to black on blonde

2017-12-29 20:07:06 UTC  

i think he masturbates to the school girls

2017-12-29 20:07:19 UTC  

girls would constantly come visit him in between passing periods to chat with him

2017-12-29 20:07:20 UTC  

he probably sneaks into their locker after school to smell any shoes left behind

2017-12-29 20:07:28 UTC  

there was like 10 of them who did that

2017-12-29 20:08:19 UTC  

he made the class so easy even the stoner burnouts could pass it

2017-12-29 20:08:43 UTC  

and that's not because he was good at teaching

2017-12-29 20:08:51 UTC  

well of course

2017-12-29 20:08:52 UTC  

is it public?

2017-12-29 20:08:55 UTC  

yes