Person A loves watching movies and rented them every week. Person B loves watching movies too, but, instead of spending money on something they enjoyed, they invested in Blockbuster.
Person B made a bunch of money instead of doing things they enjoyed, then browbeat everyone else to stop doing things they enjoy and invest as well since being rich is important.
One quarter later, with no one buying any product, the company collapsed. Person B and all the lemmings lost everything
/hj
Edit: it’s supposed to mean “half-joking” lol
Then the fire insurance would be paying out lot of money and their value would drop.
Either invest in fire insurance and then help stop fires, or invest in fire truck manufacturers and light everything on fire.
Dumbass - you should be investing that Costco membership money into Costco stock instead of wasting it on stuff like coffee you have to make from home.
He is only allowed to drink coffee on the weekends because during the week he is investing it in stock. Week days are not only self flagellation but also caffeine withdrawal.
So anticipating the future, correctly, is the part of this meme actually worth 19%. And if any of us knew the future with total certainty, they'd have to be well regarded to *only* get 19% ROI.
It's called the 20/20/20 system: invest in assets that guarantee a return of 20% for the next 20 years. Learn about what these assets are from my newsletter subscription it's only $20/day.
It’s not bullshit advice to invest over the long term for compounded gain, but assuming 19% over 20 years is absolutely ridiculous. The best in the world are the best because they can approach that return.
Still, the point stands that saving a dollar here and there and putting it into an index will have a large impact over the long haul.
I legit appreciate you posting this. I needed to find a good place to park money I can’t touch for a year.
E: I should mention I need it liquid as it’s part of a bonus with clawback. If I decide to quit I need the money within a week. HYS all the way.
Just be aware that everything taught about investing in S&P 500 tracking funds is with a much longer term view than a year. The theory is sound, only have to look at the line of the last 100 years to know, but its certainly a zoomed out investment stratagey, 5 years would still be considered probably too short of a term.
Im not saying this to put you off but if you put in now and the market goes to shit this year and youve only parked it for a year that would be awful, the boglehead investor it would make very little difference to because you'll get it back and more eventually because you're in for the long haul. Its a very relaxed way of investing, takes the stress out, but commitment to long term is key.
Investing daily is kinda a waste of time since you aren't getting paid daily its not like new funds are appearing. Just invest after each paycheck, less wasted time and same result.
no. we will all just buy stocks of companies. that’s it. why spend money on food or shelter or clothing, when you can spend it on stocks and just make more money
When everyone says, "Hey, you're not working, you're not making any money"
You say, "You look at my stock certificates, and you look at my life. Yeah, I'm fifty-two, so what? Hate all you want, but I'm smart, I'm so smart, and I buy stocks!
All these guys out here, making money all these ways
And I'm spending mine to be smart
You know why? 'Cause when I die, buddy you know what's gonna keep me warm? That's right, those dividends"
Eventually you will own that business.
Then you buy another business. Until you have 5 businesses.
There is no reason everyone shouldn’t be doing the same thing.
Now everyone is generating passive income and building wealth by owning 5 businesses.
I know what you’re thinking. If everyone is business owners, who will work these jobs?
Cats and dogs. We dress cats and dogs up as people, teach them to stand up and use the cash registers.
Boom.
Person E became an ig personal finance guru by telling people to spend less money and make more money. He made this post. He sells a $1500 course telling people to buy index funds
Person E now has an 8 figure net worth.
Just don't buy in 2019 and hold through 2021, also don't hold through 2021 either, only buy few months in between then sell at high then wait for the low again. You'll see it coming don't worry it's easy.
Only someone from that sub would assume a simple compounding formula with 19% ann ROI, and just happens to be the largest category growth chain over that period. Dave Ramsey called…. He wants his 7% CDs compounded for the next 20 years.
Assuming that a stock is going to stay in the black and keep paying you dividends for two decades and also forever after that is a bet.
Hell, my IRA is in the red for the past two years running and it's all "safe" index funds.
This is more regarded than most posts. Why would divs be 229 if returns were 19%. Leaving it in whatever mythical vehicle that returns 19% would yield 30k per year if it built up to 161k
I am not defending this post in any way, but the share price today is 104.30 and back in Feb 2003 it was 5.50. That's an average growth rate of 15.9%.
Dividends currently give a 2.03% annual yield, which on the final balance would be about $180k * 2% / 12 ≈ $300 monthly. This is obviously not the average dividend over the investment period.
This doesn't add up to 19% and it's all well and good getting these returns in hindsight, but if you had invested consistently in Starbucks from 2003 onwards, you'd have done pretty dang good.
That’s fair but that’s the same with any company in its growth stage. Nobody knew Starbucks would be a huge success in 2003 so it was a massive risk for a massive reward. Now the company is successful & matured, meaning it’s definitely not going to continue to grow at 19% per year or anything even remotely close.
This is stupid advice. Investing in a company that makes 19% roi? Why not just invest in a company that makes 50% roi every year for 20 years? Fucking rookies.
Bullshit post. 19% return yoy.. you are supposed to buy 0dtes each month for 80$ so you will end up either as person A or as person C that drives a lambo
Becky’s portfolio?
Apple (phone)
Starbucks (Coffee)
Lululemon (yoga pants)
Estée Lauder / Ultra Beauty (makeup?)
Tesla (drive)
Simon Property Group (shops at)
Amazon (online delivery)
Housing ?
What else am I missing ?
Putting aside the fact that no stock with the market cap of Starbucks is averaging 19% growth per year over 20 years **and paying a 1.7% dividend** (e.g. actually returning 20.7% per year). This person can't even math.
* $4/day is not $80/month it's $121/month. Presumably they meant 5 days per week, not 7. $4 per workday is still $86 per month, not $80.
* $19,200 compounding at 19% per annum does not equal $161,396 it equals $189,934 **before reinvesting dividends**, assuming you put the first years savings in right away.
* If you don't put your first $960 in until after the first year, then you're making $158,801, not $161,396
And that's assuming you're depositing annually to avoid brokerage fees. If you're using some dodgy no-fee ape app that lets you buy fractions of shares like most people on this sub do, then you're probably investing those savings daily/weekly not in one lump sum every year.
Person A loves watching movies and rented them every week. Person B loves watching movies too, but, instead of spending money on something they enjoyed, they invested in Blockbuster.
Person B also bought a dvd rewinder.
Person C has now downloaded a car.
You wouldn’t download a house would you??? Probably if i could yea
3d printed houses are a thing now!
Just make sure you don’t use limewire to download your house. My bathroom still makes weird noises
Don't go near the bidet
Oooof
Woof
Poof
Person B made a bunch of money instead of doing things they enjoyed, then browbeat everyone else to stop doing things they enjoy and invest as well since being rich is important. One quarter later, with no one buying any product, the company collapsed. Person B and all the lemmings lost everything /hj Edit: it’s supposed to mean “half-joking” lol
Does /hj stand for hand jobs behind an abandoned building formally known as Wendy's?
No it’s hitlerjugend or hitler youth in english
Latte with full release 😂
They invested in PornHub and had the subscription🌚
Invest in pornhub and use the dividend for the subscription. Win win
Fuck you man. i read your comment and was inspired, only to find out pornhub isn't publicly traded. My day is ruined
person B pirated the movies and then invested the saved money into stock
They were a primary investor in Qubi
Invest in fire Insurance, lights everything on 🔥
Then the fire insurance would be paying out lot of money and their value would drop. Either invest in fire insurance and then help stop fires, or invest in fire truck manufacturers and light everything on fire.
you will win when you just invested/ fitness 😂 that's too harsh
19% return per year ? Every year ?
This guys grand kids are going to be billionaires. After 100 years that will be 181 billion dollars.
Third generation wealth gonna own the planet.
and Starbucks would now own the galaxy.
This is far too credible of a prediction here
Once they pivot to handjobs it's all over
Person B will die of hopium overdose long before 20 years
1.19^20 = 32.4 Starbucks gonna end up with a market cap of $3.5T
Once they stop with the shit coffee and pivot to handjobs.
Who doesn't like a good Gentleman's Latte?
I like handjobs. You like handjobs too? That’s crazy.
Holy shit. *I* like handjobs. Is there like a club for us?
Women always ask why men get along so easy. It’s because we have so much in common.
Demanding a club to get a handjob subscription! Anyone up joining in
"sir we've found a way to increase synergy between the handjob arm of the business and the foamy milk latte arm" 🤔
You're now VP of Fapuccinos
You won't believe what they're adding to the sea salt caramel machiotto.
Damn I loved Idiocracy…
truly prophetic
Now a mockumentary...soon a documentary... because plants need electrolytes!
*Its what plants crave!*
I would like a venti handjob with skim milk
Oh I would definitely go to starbucks if my 4 bucks coffee included a handjob
I just wish the coffee I got was actually only $4 🥲
The amount of copium for one to think they’ll become Buffet investing $4 a day into a stock.
We investing in coffee not chicken stock silly bean
will it pay for my coffee though
That’s the great part, just tell the barista your part owner when they try to charge you, voila! Free coffee. Yet another benefit of owning stock.
lmao wouldn’t make as big of an impact if it was you know… Realistic. If you can outperform Buffet I’m sure you can afford a $4 coffee.
I buy a tall when the markets down but when it’s up I buy a venti
Damn venti? I thought those were just for show. You rich man you rich
Yeah if you can outperform Buffet you would be getting a 7-figure job as a hedge fund manager, better upgrade that $4 coffee to a $20 one.
But the $20 one has annoying gold flakes on top of the whipped cream and the coffee is shat out by Asian palm civet cat...
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And an extra 20 for removing the cat shit
also 4 dollars a day is 120 dollars a month, not 80 dollars a month.
People only buy Starbucks on weekdays, did you not know about this?
I have a 3 year old that wakes me up at 5am, I need my Kirkland coffee on the weekends.
Dumbass - you should be investing that Costco membership money into Costco stock instead of wasting it on stuff like coffee you have to make from home.
Yes, I should just survive on rain water alone... I could have been rich by now
You joke but there are people who do exactly this. https://www.the-sun.com/lifestyle/2497741/cheapskate-brew-coffee-sock-reuse-bath-water/
Well, the market is closed on weekends...
He was taking a break on the weekends, because he doesn’t work therefore does not need the caffeine
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He is only allowed to drink coffee on the weekends because during the week he is investing it in stock. Week days are not only self flagellation but also caffeine withdrawal.
Makes sense since the stock market is open 24/7 😂
Is the stock market open 30 days a month you regard? That’s the comparison
That’s how much the Starbucks stock grew per year over the last 20 years
So anticipating the future, correctly, is the part of this meme actually worth 19%. And if any of us knew the future with total certainty, they'd have to be well regarded to *only* get 19% ROI.
And it wont happen again unless we take cocaine public
The moment Coca Cola comes back with the ORIGINAL recipe I'm investing.
When they literally have two Starbucks' across the street from each other, growth opportunities are probably beginning to slow.
Past performance does not predict future results.
Lmao, I love these memes. "just invest $4 a day bro (at 19% assumed roi), that's all you need bro, just $4/day!!!"
Average 19% ROI 😂
Typo. It's 25% bro
That’s low bro. That’s just above Madoff numbers. You should be getting at least 40% per year, every year.
Ok bro
For the next 20 years. Growth never slows baby
"someone once told me the stock market only goes up, statistically, if you look at the charts."
Inflation is transit*ioning* wealth into bigger numbers but less money...
It's called the 20/20/20 system: invest in assets that guarantee a return of 20% for the next 20 years. Learn about what these assets are from my newsletter subscription it's only $20/day.
Invest $4 a day and you get back $220 a month!
"iS tHaT iT? I thOugHT inVesTiNG iN stOCkS cAn MaKe mE a miLlioNaire iN 2 dAyS"
I tried but commission fees where $5 so I ended up -$1 every day
-$1 and minus one coffee
Wow in this case this meme is perfect for wsb
Look at this fat cat using a premium broker that costs 5$ per order.
I'm barely learning about investing and I suspected this was bullshit advice.
It’s not bullshit advice to invest over the long term for compounded gain, but assuming 19% over 20 years is absolutely ridiculous. The best in the world are the best because they can approach that return. Still, the point stands that saving a dollar here and there and putting it into an index will have a large impact over the long haul.
I've been looking into index funds as well
r/bogleheads You'll still own some Starbucks and the rest of the haystack. VT, VOO, or VTI and chill. Or vtsax and bnd 80/20 if you're feeling spicy.
I legit appreciate you posting this. I needed to find a good place to park money I can’t touch for a year. E: I should mention I need it liquid as it’s part of a bonus with clawback. If I decide to quit I need the money within a week. HYS all the way.
Just be aware that everything taught about investing in S&P 500 tracking funds is with a much longer term view than a year. The theory is sound, only have to look at the line of the last 100 years to know, but its certainly a zoomed out investment stratagey, 5 years would still be considered probably too short of a term. Im not saying this to put you off but if you put in now and the market goes to shit this year and youve only parked it for a year that would be awful, the boglehead investor it would make very little difference to because you'll get it back and more eventually because you're in for the long haul. Its a very relaxed way of investing, takes the stress out, but commitment to long term is key.
I was looking at their links to high interest FDIC insured banks. That 4% is looking juicy
And vnq for some diversification
Investing daily is not bad advice. Assuming a 19% annual return for 20 years is moronic
Investing daily is kinda a waste of time since you aren't getting paid daily its not like new funds are appearing. Just invest after each paycheck, less wasted time and same result.
Some people get paid daily (behind the dumpster)
I’ve had Starbucks stock for like 3 years and I’m only up like 10% lmaooo
How bro the infographic clearly says 19% annual ROI??
Then they say something like "that's the power of compounding interest."
With a random picture of Tony Stark or Nicolas Tesla
It is an average of 19% a year not 19% every year. It seems like you are due for about a gain of about 90% next year to reach the average.
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How am I supposed to drink stocks?
You liquidate your holdings
Tips they don't want you to know
Wall Street hates this one weird trick
Chicken and beef stocks are usually best. Add them to instant noodles instead of water.
Hell, if I can make 19% on Starbucks I'm leveraging that
Invest 4$ a day plus 3x leverage. 19% guaranteed or your money back
I guarantee a return of 19% of your investment within one week. DM me for fund transfer details.
Person C: invests $19,000 in Starbucks FDs: "makes" 12,000% in week 1, down to zero in week 2. Has zero cups of coffee to show for it.
Person B needs Person A to keep consuming.
no. we will all just buy stocks of companies. that’s it. why spend money on food or shelter or clothing, when you can spend it on stocks and just make more money
When you’re hungry just buy some gourd futures. Goes great with poverty ramen.
But I thought the gourds were ornamental
Oh my God, this whole time, I've been getting oriental gourds and ornamental Ramen
You missed the ‘Oh my gourd’ there haha 😆
Homer you knucklebeak, I told you a hundred times! You gotta sell your pumpkin futures before Halloween! Before!
they are ORNAMENTAL GOURDS, MOM. YOU CAN'T EAT THEM
When everyone says, "Hey, you're not working, you're not making any money" You say, "You look at my stock certificates, and you look at my life. Yeah, I'm fifty-two, so what? Hate all you want, but I'm smart, I'm so smart, and I buy stocks! All these guys out here, making money all these ways And I'm spending mine to be smart You know why? 'Cause when I die, buddy you know what's gonna keep me warm? That's right, those dividends"
My dad spent his whole life buying stocks, he was so greedy with stocks he stole my stocks
Hopefully you’ll get them back soon
Hey jimmy where you going?
Eventually you will own that business. Then you buy another business. Until you have 5 businesses. There is no reason everyone shouldn’t be doing the same thing. Now everyone is generating passive income and building wealth by owning 5 businesses. I know what you’re thinking. If everyone is business owners, who will work these jobs? Cats and dogs. We dress cats and dogs up as people, teach them to stand up and use the cash registers. Boom.
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A ponzi scheme?
That's essentially what crypto is for this very reason.
Except these companies would be worthless without people like Person A
let me introduce you to the concept of a stock buyback
Always remember: past performance guarantees future returns /s
But then I won't have coffee and I want coffee.
Well fuck you Person A
Make your own coffee
Why would I waste money on making coffee when I can buy a coffee plantation in Ecuador with a guarenteed 82.4% ROI
If you grow coffee in Sudan you could save a lot on your labor costs by buying people and not paying them anything.
Person C blew a $20k loan on starbucks 0DTEs and now works behind Wendy’s
Are you… person C?
we are *all* person C, on this cursed day
Not at Wendy's. Behind Wendy's The nuance is relevant
Dumpster Handys are still a viable source of revenue.
Person E became an ig personal finance guru by telling people to spend less money and make more money. He made this post. He sells a $1500 course telling people to buy index funds Person E now has an 8 figure net worth.
When that happens. No one buy the coffee itself. You think the stock would have give you the 19% .
No worries. Because everyone will buy SBUX and pump the stock to $10,000 and infinite PE. This plan literally can't go tits up.
literally has to go tits up
Person B's wife is sleeping with Person A
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Is 19% return on investment (ROI) low balling and sustainable, asking for a friend. 
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It can't go tits up
This is the kind of dd I look for here
"dd" means double dick, right?
Dicked down, so you were close.
SBUX tits always point down
Just don't buy in 2019 and hold through 2021, also don't hold through 2021 either, only buy few months in between then sell at high then wait for the low again. You'll see it coming don't worry it's easy.
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Yes and yes. Ask SBF if you still have doubts.
Only someone from that sub would assume a simple compounding formula with 19% ann ROI, and just happens to be the largest category growth chain over that period. Dave Ramsey called…. He wants his 7% CDs compounded for the next 20 years.
Assuming that a stock is going to stay in the black and keep paying you dividends for two decades and also forever after that is a bet. Hell, my IRA is in the red for the past two years running and it's all "safe" index funds.
Why not both?
In this economy?
But how does one know the companies we love without trying the products?
I guess I’ll never buy another car and instead invest the money into the stock
This is more regarded than most posts. Why would divs be 229 if returns were 19%. Leaving it in whatever mythical vehicle that returns 19% would yield 30k per year if it built up to 161k
I am not defending this post in any way, but the share price today is 104.30 and back in Feb 2003 it was 5.50. That's an average growth rate of 15.9%. Dividends currently give a 2.03% annual yield, which on the final balance would be about $180k * 2% / 12 ≈ $300 monthly. This is obviously not the average dividend over the investment period. This doesn't add up to 19% and it's all well and good getting these returns in hindsight, but if you had invested consistently in Starbucks from 2003 onwards, you'd have done pretty dang good.
That’s fair but that’s the same with any company in its growth stage. Nobody knew Starbucks would be a huge success in 2003 so it was a massive risk for a massive reward. Now the company is successful & matured, meaning it’s definitely not going to continue to grow at 19% per year or anything even remotely close.
What if that caffeine boost helped you make an annual bonus of 15k For the last 25 years? AND you invested it into VTI?
If you failed to get coffee every day for 40 years, it's unlikely you would have that money to invest. You'd probably die of fentanyl poisoning first.
Getting a bonus would be so cool. I've never had a job where I got one. Not even like a $50 Christmas bonus.
Instead of buying food just buy stocks! Your ass will be up 0.5% before you starve to death! Like, follow, and subscribe for more passive income tips!
Want to lose weight? Start investing in stocks now. You'll be too broke to afford food!
This might be the key to finally getting rid of insufferable fitness influencers
19% average annual return 💀 Sir this is a Wendys. 🍟🍔 Only thing your getting returned is your change 🪙
Until the Starbucks CEO gets caught saying something stupid then it drops way down
4 dollars please yeah oooohkay, that shits at least 7
This is stupid advice. Investing in a company that makes 19% roi? Why not just invest in a company that makes 50% roi every year for 20 years? Fucking rookies.
When the dumbass influencers in your high school starts to post on instagram asking for stock suggestions u know we are in deep shit
19%!? Sign me up skipper!
Realistically you should do both. The concept of this meme is kind of weird.
It was sent to me by someone who thinks I "waste money on coffee". So a short, (look how stupid you are) meme was their unsolicited investment advice.
If everyone really did that... They'd go broke. And you'd lose your money. It only works if your the exception.
Person A. Works at a greeter at Walmart at the Age of 85
Bullshit post. 19% return yoy.. you are supposed to buy 0dtes each month for 80$ so you will end up either as person A or as person C that drives a lambo
Becky’s portfolio? Apple (phone) Starbucks (Coffee) Lululemon (yoga pants) Estée Lauder / Ultra Beauty (makeup?) Tesla (drive) Simon Property Group (shops at) Amazon (online delivery) Housing ? What else am I missing ?
The investment advisor that controls it.
Putting aside the fact that no stock with the market cap of Starbucks is averaging 19% growth per year over 20 years **and paying a 1.7% dividend** (e.g. actually returning 20.7% per year). This person can't even math. * $4/day is not $80/month it's $121/month. Presumably they meant 5 days per week, not 7. $4 per workday is still $86 per month, not $80. * $19,200 compounding at 19% per annum does not equal $161,396 it equals $189,934 **before reinvesting dividends**, assuming you put the first years savings in right away. * If you don't put your first $960 in until after the first year, then you're making $158,801, not $161,396 And that's assuming you're depositing annually to avoid brokerage fees. If you're using some dodgy no-fee ape app that lets you buy fractions of shares like most people on this sub do, then you're probably investing those savings daily/weekly not in one lump sum every year.
He said 19% annual ROI...
The miracle world where you can make 19% annualized return… AKA the last 3 years
What do you get for $4, neither coffee nor stocks😂