과세 유예 기부와 로스 기부: 장점 비교하기

### 로스 계좌와 과세이연 계좌에 대한 이해: 장점 비교하기
* 🤔 Seth는 자신의 과세 구간이 **25% 미만**인 경우 과세이연 계좌에 기부하는 것이 유리한지 의문을 제기하며 은퇴 후 세금을 피하기 위해 **Roth 기부**를 선호한다고 말합니다.
* 📊 일반적으로 낮은 과세 구간(**25% 미만**)에 속하는 개인은 로스 기부를 고려해야 하며, **30% 이상**은 세전 기부를 통해 더 많은 혜택을 받을 수 있습니다.
* 💰 발표자는 특히 은퇴 후 낮은 세율을 기대하는 개인이 **비과세 혜택**으로 인해 **로스 계좌**를 선호한다고 강조합니다.
* 🏦 과세 유예 계좌에 있는 돈의 대부분은 **"다른 사람의 돈"**으로 볼 수 있는 **매칭 또는 이익 공유와 같은 고용주 기부금**에서 나오는 경우가 많다는 지적이 있습니다.
* 📝 발표자는 **로스 계좌에 대한 고용주의 기부금**을 권장하지만, 로스 계좌에 대한 새로운 법안을 시행하는 데는 복잡한 문제가 있음을 인정합니다.
* 💡 과세 유예 계좌는 단점이 있을 수 있지만, 특히 **고용주의 기부금을 활용**하여 자산 형성을 강화할 때 유용하게 사용할 수 있습니다.
* 🔍 이 토론에서는 계좌 유형 간의 차이점을 이해하고 개인의 재무 목표와 상황에 따라 정보에 입각한 결정을 내리는 것이 중요하다는 점을 강조합니다.
* 🚧 궁극적으로는 로스 계좌가 선호되지만, 종합적인 재무 전략에서 특히 고용주의 여유 자금을 고려할 때 **과세 유예 계좌를 활용할 여지**가 있습니다.

세스는 과세이연 계좌의 복잡성에도 불구하고 비과세 성장을 극대화하기 위해 로스 기부금을 우선순위에 두어야 합니다.

[Music] All right, Seth's question is up next. He says, Howdy, theoretically, is there any advantage to filling a tax-deferred bucket if my tax bracket does not justify it? It seems prudent to load up everything in WTH and avoid all taxes come retirement. What do you think? We get this question a lot. A lot of people tell us, Hey, I hear your rule of thumbs, and I know that you say that the dividing line between doing pre-tax and Roth depends on my tax rate. If I'm in the tax situation where I add my marginal federal rate, my marginal state rate, and it's below 25%, I should probably do Roth contributions. And if I add my marginal federal, my marginal state, and it's above 30%, I should look at pre-tax. Well, I'm in the situation where I'm below 25%, and I'm probably going to stay in 25%, and I'm probably not going to move out of that. Should I just do Roth 401k and Roth IRA and HSA and build up the tax-free bucket?

Is there something I'm missing out on? There's something I'm not thinking of when it's raw, tax-free compared to tax-deferred. Yes, Seth, I've said this many times. My favorite of the, if you're naming your favorite children, the Roth is my favorite because it's tax-free, is ideal. We only recommend outside of that when you really get in those high tax rates and you're hoping that there's an arbitrage situation where you're paying highest tax rates right now, but you think when you retire your income's going to drop substantially and you're going to be able to pay at a lower tax rate. But what you're getting to and what Bo is alluding to is that there's another way you get money in these tax-deferred accounts, and it's typically other people's money, meaning your employer, OPMS, this money to you as a match. Now look, I know that, or profit sharing. I know that there's legislation that passed recently that will allow even this money to be Roth.

but tell me in the comments section. I'd be surprised if anybody is actually getting employer money into the Roth yet, and they're getting additional stuff put on their W2 because these are some of the first years you can do it. And I'm telling you, I bet there's not many out there because this is like most of the stuff that's written into some of these new legislations. They sound great, but they're so complex to implement that it takes years for the market to actually get caught up to where you see this actually being a decision point for you. So, I got to think, Seth, most of your tax-deferred money is not going to be your choice. It's just going to be other people's money that gets put in that for you, for your benefit, and you get to maximize that free money and really turn it into your wealth-building process. So, if all the rules of thumb suggest, Hey, continue doing Roth, continue doing Roth, it's not like Seth should forgo the tax-free opportunity in order.

to build tax-deferred. No, that probably doesn't make sense now. There probably is another line of thinking when you think about like Roth versus after-tax, depending on your goals and how you approach that. But specifically for this question, pre-tax versus Roth, I don't think it's crazy. Yeah, tax-deferred has the most issues probably out of the three different account types, you know, tax-free, which is Roth, the after-tax or your brokerage accounts, and then tax-deferred. You feel sad that that tax-deferred sits in third place, but it has a purpose. Like I said, in other people's free money is definitely still a powerful resource in your wealth-building journey. I love it. We're getting some people. My Roth is 401K match is not. No Roth 401K match yet. Um, yeah, so it sounds like not seen a yes. I mean, I don't, this is, this won't be in that part, but it's just like a few years ago. This was a comment that came up a few years ago. The legislation came out.

that your employer could pay back student loan debt tax-free. Um, if they did it, so I immediately researched the way the math works. It's like if you pay someone $5,000 a year, if you pay someone $50,000 a year, they could elect to defer $5,000 of their comp to go pay student loans. So, they're only taxed on 45. It was a great benefit. It was like a huge thing. I looked at, I got both our CPA involved, and you know, and it just got to the point where they're like, Yeah, this thing is so cumbersome. There's not a mechanism to make this. So, I'm sure there's probably some big Fortune 500 company that has a whole department that has figured out, but for most small businesses, these things sound great in the brochure, but the implementation is just almost impossible. I mean, think about the fact of even like Roth and the 10-year rules or IRAs in general. The 10-year inheritance rule. It took them

years to come up with clarification, so some of these things are much easier said than to do. mhm.

Should We Go 100% Roth to Avoid Taxes in the Future?

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Seth는 자신의 과세 구간이 25% 미만인 경우 과세 유예 버킷을 채우는 것이 이득인지 의문을 품습니다.

일반적인 조언은 낮은 과세 구간에서는 로스 불입을 하고 높은 과세 구간에서는 세전 불입을 고려하라는 것입니다.

그러나 과세 유예 계좌는 고용주 매칭 및 이익 공유를 통해 혜택을 제공할 수 있으며, 최근 법안에서는 이러한 기부금도 Roth로 허용하고 있습니다.

로스 계좌에 대한 고용주 기부금의 복잡성

새로운 법안의 시행이 복잡하고 시간이 걸리기 때문에 고용주가 로스 계좌에 기부하는 경우는 아직 드뭅니다.

대부분의 과세 유예 자금은 다른 사람의 기부금에서 나오며, 이는 재산 형성을 위한 귀중한 자원이 될 수 있습니다.

세전 기부금과 로스 기부금에 대한 논의는 미묘한 차이가 있으며, 과세 유예 계좌는 종종 덜 유리한 것으로 여겨지지만 자산 형성 과정에서 여전히 중요한 역할을 합니다.

고용주가 비과세 학자금 대출을 상환할 때 겪는 어려움

고용주는 직원이 급여의 일부를 연기할 수 있도록 허용함으로써 학자금 대출 부채를 면세로 상환할 수 있습니다.

그러나 이 혜택의 시행은 소규모 기업에게는 번거롭고 어려운 일입니다.

Roth IRA 및 상속 규정과 같은 유사한 재정 메커니즘의 복잡성으로 인해 프로세스가 더욱 복잡해집니다.

특정 문제에 대한 명확한 해명은 수년이 걸리기 때문에 해결하기가 어렵습니다.

일부 제안된 변경 사항은 실행하기보다 제안하기가 더 쉽습니다.

이러한 문제의 복잡성은 진행과 실행을 방해할 수 있습니다.