this post was submitted on 28 May 2026
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Microblog Memes

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A place to share screenshots of Microblog posts, whether from Mastodon, tumblr, ~~Twitter~~ X, KBin, Threads or elsewhere.

Created as an evolution of White People Twitter and other tweet-capture subreddits.

RULES:

  1. Your post must be a screen capture of a microblog-type post that includes the UI of the site it came from, preferably also including the avatar and username of the original poster. Including relevant comments made to the original post is encouraged.
  2. Your post, included comments, or your title/comment should include some kind of commentary or remark on the subject of the screen capture. Your title must include at least one word relevant to your post.
  3. You are encouraged to provide a link back to the source of your screen capture in the body of your post.
  4. Current politics and news are allowed, but discouraged. There MUST be some kind of human commentary/reaction included (either by the original poster or you). Just news articles or headlines will be deleted.
  5. Doctored posts/images and AI are allowed, but discouraged. You MUST indicate this in your post (even if you didn't originally know). If an image is found to be fabricated or edited in any way and it is not properly labeled, it will be deleted.
  6. Absolutely no NSFL content.
  7. Be nice. Don't take anything personally. Take political debates to the appropriate communities. Take personal disagreements & arguments to private messages.
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[–] partial_accumen@lemmy.world 0 points 2 days ago* (last edited 2 days ago) (1 children)

All the “just save $X per month” advice hinges on this, but for some reason, finance “gurus” take our current longest bull run in history and pretend high returns are guaranteed.

Most of the estimates I see are the opposite, they assume the worst such investing everything right before the 2008 Great Recession crash. As in investing $10k in the S&P500 on Jan 1 of 2007 (before the crash) would give you $75,670 today. That's a 656.70% total return or a 10.65% compound annual growth rate. So yes, the great bull market is in there, but the start included is the absolute worst time to invest, but the returns are still good. Most projections are more conservative with only expecting a 7% return (over time).

[–] hark@lemmy.world 1 points 2 days ago (1 children)

Again, that's assuming the "worst time to invest" will be followed by the greatest bull run in history. Now try a situation where the government and Fed aren't pumping trillions of dollars to help the market.

[–] partial_accumen@lemmy.world 1 points 2 days ago* (last edited 2 days ago) (1 children)

Now try a situation where the government and Fed aren’t pumping trillions of dollars to help the market.

Sure thing, lets eliminate anything from the current bull market that starts at the bottom of the 2007 crash. Lets end in 2006, and begin 19 years early in 1987 (to keep the same sample length from the prior example).

The same $10k in the S&P500 on Jan 1 of 1987 ending in 2006 would be $91,857. This would be a 818.57% total return and a 11.73% compounded annual growth.

You're welcome to run your own numbers. Here's the simple S&P500 calculator I've used for our discussion here.

[–] hark@lemmy.world 1 points 2 days ago (1 children)

You're missing the point. Ever since Reagan, "the economy" has been in service of the stock market and shareholder primacy has been the rule of the land. This isn't something that should be assumed natural.

[–] partial_accumen@lemmy.world 1 points 2 days ago

You’re missing the point.

I'm missing the point? I'm contradicting your point from your first post where you said this:

All the “just save $X per month” advice hinges on this, but for some reason, finance “gurus” take our current longest bull run in history and pretend high returns are guaranteed.

I demonstrated your "longest bull [market] in history" point was irrelevant by completely excluding that bull market and showing coincidentally even higher returns from the period before. Simple investing in the S&P500 has been historically shown to produce consistent returns over time. Does that guarantee it will forever? Of course not, but its much more likely it will produce that not compared to all the other choices for investing.

Here's the entire history of the S&P 500 from its inception in 1926:

source

You're welcome to argue against that line for investing in something else, and in the short term, you may even be right. However, so far there isn't a more consistent performer for growth over a long period of time.

Ever since Reagan, “the economy” has been in service of the stock market and shareholder primacy has been the rule of the land.

Reagan sucks for lots of reasons, but that condition about the stock market and the economy you're describing existed long before Reagan. The Great Depression during the Hoover administration (also a shitty president for the time) shows that clearly.

This isn’t something that should be assumed natural.

Natural? All of these rules and economies are human constructs. There's nothing natural about nearly anything humanity does. I find it odd that "isn't natural" is even a criticism in this conversation.