자동차 구매 결정의 재정적 영향

### 재정적 어려움 피하기: 스마트한 자동차 구매 전략
* 🚗 많은 미국인이 자동차 구매에 어려움을 겪고 있으며, 이는 종종 **재정적 어려움**으로 이어져 경제 생활을 질식시킬 수 있습니다.
* 💔 자동차 산업은 금융 옵션을 통해 일시적인 행복을 조장하지만, **새 차의 흥분은 금방 사라지기 때문에 장기적인 후회**로 이어질 수 있습니다.
* 💰 현재 미국인들은 평균적으로 **67개월 동안 월 735달러**를 자동차 대출에 지불하고 있으며, 평균 이자율은 **7.18%**, 대출 금액은 마이너스 자기자본을 포함하여 **4만 달러를 초과**하는 경우가 많습니다.
* 📉 이러한 함정에 빠지지 않으려면 **계약금 20%, 상환 기간 3년, 총 소득의 8%를 넘지 않도록 하는 '238 규칙'**을 따르는 것이 중요합니다.
* 💡 놀랍게도 백만장자 중 **35%는 자동차를 구입할 때 융자를 받았지만, 71%는 첫 차를 구입할 때 융자를 받았다고 답해** 많은 성공한 사람들이 비슷한 재정 상황을 헤쳐나가고 있음을 알 수 있습니다.
* 📊 두 사람을 비교해보면, 전형적인 미국인의 길을 따르는 평균 앨런은 **68개월 후 투자금이 전혀 없는** 반면, **238 법칙을 따르는 돌연변이 매니는 43,000달러에 가까운 투자금**을 모았습니다.
* 🏦 이 차이는 **70만 달러의 엄청난 은퇴 저축액**으로 이어질 수 있으며, 단기적인 욕구에 굴복하지 않고 현명한 소비 결정을 내리는 것이 중요하다는 점을 강조합니다.
* 💪 궁극적으로 자동차 구매가 미래의 부를 희생할 가치가 있는지 스스로에게 물어보고 **장기적인 재정 건전성을 향한 사고방식의 전환**을 장려하는 것이 중요합니다.

돌연변이 매니는 일시적인 행복 대신 절제를 선택해 재정적 미래를 보장하고, 평균적인 앨런은 자동차 빚에 굴복합니다.

[Music] all right Brian so we talked about student loans that's one that a lot of people face that's something that a lot of people navigate let's talk about the next one because I think again every American is faced with this decision I need Transportation how do I think about buying a car yeah this is I I like to talk about this in terms of this is broke quicksand because you get into this and then you can't get yourself out and it ends up just suffocating your entire Financial life and unfortunately most folks are really bad at this they're really awful at doing this consumption decision well you have to take you have to take control of your financial life because unfortunately most people are caught into the emotional of what's going to feel good in this moment so they choose temporary happiness meaning that yes for the Auto industry has set it up that if I'm willing to finance the car for forever essentially even roll in negative equity we'll cover that in a little bit more I

can afford this thing that I perceive will make my life better, will impress my neighbors, but that's temporary happiness. Because I can go ahead and tell you, I've been on this journey before, and I've seen it for other people. The new car smell wears off after just a few months. The payment keeps coming, but that car gets a little curb rash on all those rims that you have. You start seeing a ding on the side, and before you know it, you're kind of really mad that you got yourself in this pickle of a situation. I don't want you to fall into that temporary trap. I want you to think more Perpetual if you can think deferred gratification if you can think discipline like a financial mutant. There is a better way. So let's talk about how bad the average American is. When you look at the behavior of the typical American, the average monthly car payment right now is $735 a month, and there are a lot of people who have $1,000. That's disgusting. $735.

and then not only that when you look at the average loan term, it is over 67 months. So, we are borrowing money for cars for over five years, almost twice what we like, which is 36 months. That's exactly right. Then, when you look at the interest rate, the average interest rate on auto loans right now is 7.18%. And when you look at the average loan amount, the amount of money people are borrowing for an automobile, it is over $40,000. This is what the average American is doing. But Brian, it's even a little bit worse than this. Yeah, wait, there's more. Because that $40,000 number on new cars, unfortunately, contains over $5,000 of negative equity. Meaning that this, when I talk about Perpetual, these people are making Perpetual car payments. Meaning that you go and you make one bad decision with this car, and then you drive it, it depreciates, and then you realize, I don't like this car anymore, but you didn't pay it off. You roll all

the negative equity meaning you still owe money on this car into the next bad decision. You see how you're going deeper and deeper. Remember when I was talking about that this was broke quicksand. This is proof that this is what the typical American is failing on right now. But we believe there's a better way to do money. And so when it comes to buying cars, obviously cash is King. If you can pay cash for your automobile, that is the best scenario. That's the best outcome. But unfortunately, not everyone is in a situation where they can do that, or you might not be at the stage of your financial journey. That's me. I fell into that where paying for cash is a realistic opportunity. So we came up with a solution. We came up with a rule that if you cannot pay cash for your car, if you can follow this rule, it will make sure you don't fall into that average American trap. So let's talk about what 238 is. Remember, this is because cars depreciate rapidly. We want to make sure

you put down at least 20% on the vehicle because we know these cars depreciate rapidly, and we want to make sure you pay it off pretty quickly. Also, to keep you from getting big eyes and trying to impress your neighbors, we want to give you a payoff period of three years. This is going to make the payments big enough and sting enough that you'll actually keep yourself pretty honest on this. And then we don't want your car payment to exceed 8% of your gross income. And remember, this is for affordable transportation to get to your first wealth builder, which is your job. This is not to buy a luxury vehicle. If you start thinking about anything that's European or luxury or has like BMW in the name, I want you thinking pay this thing off same as cash. This is not a 238 purchase. So you may be sitting there thinking, Okay, guys, yeah, paying cash, that sounds great, but that's not what successful people do, that's not what millionaires do. We actually do an annual

survey of our clients, and we say, Okay, tell us this: when you go to buy a car, do you finance it or do you pay cash? And when we look at it, millionaires right now, only 35% of them finance cars. That means that the remainder, the other 65%, are paying cash. You said, Okay, well, this is a rich person's game. That's just what wealthy, successful people do. However, we flip the script, and we asked this question of our current millionaire clients: Hey, when you started out on your financial journey, when you first began, when you bought your very first car, how'd you pay for it? Of our millionaires, 71% of them said, Hey, in the beginning stages, I had to finance. I had to borrow money. I could not come up with the cash. So, if you find yourself in the situation where you are having to borrow money or are having to finance, it's okay. You're not alone. A lot of people are there today, and a lot of people have been there. But you want to make sure that you have an accurate representation of how

to do it the right way, even if you are going to finance. So, let me go ahead and give you a head start on this whole wealth-building journey and how to avoid this quicksand. In the case that we've laid out, I want you to go to money.com/resources and look at how much car can I afford. Don't just start test-driving and going to dealerships. These guys are masterful at the emotional manipulation of telling you because they're going to say, Hey, what do you want your monthly car payments to be? That's the number question. So, let's go ahead and get out in front of this. Go to money.com/resources, figure out how much car you can afford, so you're actually on the front end of this versus being manipulated into a bad consumption decision. Okay, so now let's look at our two individuals. Let's look at our case study that we're comparing. We're comparing Average Allen and Manny the Mutant. Average Allen goes and finances the average American amount of car debt.

$440,000 finances a brand new car for $4,634.00. He can finance average. Allen is going to do it over 68 months, so that means that average Allen's payment is going to be $735 a month. Manny recognizes that 238 will keep him inside the guardrail, so he finances for 36 months. His monthly payment is $399 a month, which leaves some margin to where, while he's paying off his car, he can still be investing $336 a month. This is the part now, hear me out, Financial mutants. This is the part where you're going to feel a little different because outside looking in, Allen's going to look like the successful one because he's going to be driving the fancy new car. You're going to be driving the used car that's right around $20,000. From the outside looking in, you have to realize you get joy out of driving a paid-off car and knowing that your wealth sits on your net worth statement, that your money is going to work harder than you can with your back.

your brains and your hand in the future. You got to work on this but fall because that's why we try to educate you because in the temporary moment it's going to feel better to be Allen but I'm telling you in the long term watch what this happens. This is what empowers US Financial mutants Allan because he's doing what the average American does. He has no margin for saving and investing so he's going to have all of his discretionary Capital going towards his automobile but Manny after he gets his car paid off in 3 years. He's going to keep investing. He was already investing some. He's going to begin investing $735 a month. So when we do the progress report we look at the report card. Let's see how this looks after 68 months. Guess what they both have paid for cars. Allen did pay off the car. It just took him longer. They both have paid for cars but that's only part of the story. Allan has zero dollars invested. Remember everything went into that automobile but Manny because he was

disciplined after the 68 months because he was saving the whole time, now has almost $43,000 working for him, in addition to a paid-off automobile. Do you see how I mean? This is so interesting to me. It's the same sum of money, once again, same sum of money. There's nothing different except one looked fancier because they got the new car, the other one is driving around the used car. And you look at the results of this, and you like, Yeah, okay, Manny's got $43,000 likely in a Roth IRA 'cause that's one of the early steps that you're going to start saving and investing in that tax-free growth Roth IRA. But Allen's got the cool car. But what's interesting when we get 68 months in the future, that brand-new car is going to look a lot like Manny's used car. It's going to look like a used car. It's going to have the blemishes and everything else. So let's now see the rest of the story because we already see $43,000 is

nothing to just throw away. That's a chunk of money. And then if you put that money to work, it actually has the potential to grow into that $43,000. Letting it grow for another 35 years turns it into $700,000. And by the way, we didn't get crazy with the assumptions here. We used 8%. And we could have done $1,000 car payments because there's a lot of people on YouTube or TikTok telling you about their $1,000 car payments, and they're so proud of it. Guys, literally this one decision was close to seven figures. This is your retirement that you're riding around in. The question you have to ask is when you make these consumption decisions, when you go to buy that car, I want you to actually physically think to yourself, Is this decision I'm making worth three-fourths of a million dollars? Am I willing to rob my future self of nearly seven figures of wealth so that I can look cool today and drive this fancy car around today? We

hope that you will fall into the Manny the mutant camp and not be like average Allen.

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많은 미국인이 자동차 구매 결정에 어려움을 겪으며 일시적인 행복과 재정적 부담의 악순환에 빠지는 경우가 많습니다.

현재 월 평균 자동차 페이먼트는 735달러이며, 대출 기간은 67개월을 넘고 이자율은 약 7.

또한 많은 대출자들이 마이너스 자산을 가지고 있어 자동차 할부금과 재정적 불안정의 악순환이 계속되고 있습니다.

자동차 할부금융의 함정 피하기

자동차 대출로 인한 마이너스 자산은 부채의 악순환으로 이어져 많은 미국인에게 재정적 어려움을 야기할 수 있습니다.

현금으로 자동차를 구입하는 것이 가장 이상적이지만, 그것이 불가능하다면 20% 계약금, 3년 상환, 총소득의 8% 미만으로 페이먼트를 유지하는 규칙을 지키면 일반적인 함정을 피하는 데 도움이 될 수 있습니다.

흥미롭게도 백만장자의 35%는 자동차 구매 자금을 조달하지만, 71%는 돈을 빌려서 시작했다는 사실은 재정적 성공으로 가는 길에서 흔히 겪는 어려움이라는 것을 보여줍니다.

스마트 자동차 금융: 부를 쌓는 접근 방식

감정에 휘둘리지 않으려면 딜러를 방문하기 전에 감당할 수 있는 차량 가격을 결정하는 것이 중요합니다.

평균적으로 Allen은 68개월 동안 월 735달러를 지불하고 4,634달러의 신차를 할부로 구입하는 반면, 돌연변이 Manny는 36개월 동안 월 399달러를 지불하고 남은 돈을 투자하는 중고차를 선택합니다.

궁극적으로 매니의 접근 방식은 부를 쌓고 중고차의 혜택을 누릴 수 있는 반면, 앨런의 화려한 차는 성공에 대한 잘못된 인상을 줄 수 있습니다.

금융 선택이 장기적인 자산에 미치는 영향

앨런과 매니라는 두 사람은 재정 상황은 같지만 자동차에 대해 서로 다른 선택을 합니다.

앨런은 새 차를 우선시하여 저축이나 투자를 하지 않은 반면, 매니는 중고차를 선택하고 재량 소득을 투자했습니다.

68개월 후 두 사람 모두 자동차를 갚았지만 매니는 43,000달러를 투자하여 체계적인 저축과 투자의 장기적인 이점을 보여줍니다.

자동차 할부금은 장기적인 자산에 큰 영향을 미칠 수 있으며, 월 500달러를 35년 동안 8%의 수익률로 지불하면 70만 달러로 늘어날 수 있습니다.

고급 자동차에 대한 지출 결정은 개인의 미래 부를 거의 7자리 수로 빼앗을 수 있습니다.

자동차 구매와 같은 소비 결정의 장기적인 재정적 영향을 고려하는 것이 중요합니다.