은퇴 저축: 조기 청산에 대한 주의

### 주택 구입을 위해 457b를 현금화할 경우의 재정적 영향
* 💰 457b를 현금화하여 주택을 현금으로 구입하는 것은 처음에는 기분이 좋을지 모르지만 **소득세를 납부하고 투자 자산의 잠재적 성장 가능성을 잃는다는 단점**이 있습니다.
* 🏦 " 처음 10만 달러에 도달하는 비등점에 도달한 후 **자산이 두 배, 세 배로 늘어나고 자산이 쌓일수록 그 속도가 점점 더 빨라진다**는 이야기를 얼마나 자주 듣게 되나요?
* 📈 은퇴 자산을 현금화하면 **복리 효과와 포트폴리오의 장기 성장 잠재력을 크게 저해**할 수 있습니다.
* 🏠 주택 구입과 같은 단기적인 목표를 고려하는 것도 중요하지만, **퇴직금 청산의 장기적인 재정적 영향**을 평가하는 것도 그에 못지않게 중요합니다.
* 💸 "그 집값을 현금으로 지불하고 갚으면 **그 집은 못 먹는 거죠?**"
* 📉 장기적인 재무 목표와 연계하지 않고 **단기적인 목표에만 집중**하면 재정적으로 해로운 결과를 초래할 수 있습니다.
* 📊 재무 전문가와 상의하여 기회 비용을 평가하고 **재무 결정이 중요한 목표에 부합하는지 확인**하는 것이 좋습니다.

은퇴 자산을 청산하여 주택을 구입하는 것은 특히 소득 증가가 예상되는 상황에서 장기적인 자산 증가를 저해할 수 있습니다.

[Music] All right, let's move on to Point Chaser's question. Say that again. Points, points, Chaser. Credit card guy. I get, I get you. He says, We are buying a house. We can cash out a 457b and pay cash for the house. It is a penalty-free withdrawal, but we will be taxed. Our income is expected to double in the next few years and want to liquidate. Is this a bad idea? Can I, I want to set the ground rules M to be rich, you have a strong income. To be wealthy, you have a strong net worth statement that the assets keep working for you. When somebody says, 'I can pay cash,' that by cashing out my retirement assets in the moment, that might feel great, but what I'm worried is, is that how often do you hear us talking about reaching the boiling point of getting to your first $100,000 and then watching that build to two, three, and it gets faster and faster as your assets build up. If you all of a sudden pull out all

that 457 money you pay income taxes. By the way, that's going to yank a big portion of it just paying taxes. You've now taking yourself back on those Army of dollars working for you, and I just worry about that. That might, um, especially, I don't know how old this person is. They're under 45 years of age. I mean the power of your army of dollar bills. I would encourage you to go to money.com resources, play around with our wealth multiplier tool, and you'll see that there is just, there's a lot of opportunity. There's get wealthy behaviors, and there's stay wealthy behaviors. Don't start doing stay wealthy and drisking behaviors like that when you haven't even reached get wealthy. Yeah, one of the things that I want to dive into at the very end of your question. Rebe, correct me if I got this wrong. I think Point St hey, I'm expecting my income to double the next a few years, and I really want to liquidate. That's the part that I don't understand, and I

think a lot of people have this idea that okay, as I move closer to financial independence, I'm going to build and save and invest, and build and save and invest, and build and save and invest, and the day that I retire, I just sell everything, I take all that cash, and I go put it in the folders can out in the backyard, and that's not actually the way that it works. And so one of the things I want to dive into with you, Point Chaser, is why are you under the mindset that you want to liquidate? What is it that's making you want to liquidate your portfolio? Because in our experience, even folks who go into the decumulation phase, while their risk tolerance may have changed, while the allocation of their portfolio may look different, there's still some portion of their portfolio that has to provide for them for the next 10, 20, 30, sometimes even as many as 40 years into the future. So it likely makes sense that there's still going to be an invested, a risk on invested portion of their

portfolio. I don't understand where you're coming from when you're talking about maybe liquidating, and what I worry is you're only focusing so much on the short term. Hey, we want to buy a house. I've got this 457. I can get into it penalty-free. I still got to pay taxes, but I can pay cash. I think you really need to sit down with someone to walk you through the opportunity cost of doing that because once I pay for that cash and I have that, once I pay for that house in cash and I have it paid off, I cannot eat said house, right? Like that's not going to pay the utilities, that's not going to be able to put food on the table, that's not going to be able to provide for my living expenses. So you really need to understand how much capital do you need inside of your ecosystem to be able to do those things, and if you're planning on your income doubling in a few years, it sounds to me like you're even still in the accumulation phase, like you're

still building up working towards your highest income-earning years. I don't know that I love this idea of thinking about liquidation and going to cash. It doesn't add up to me. So I think if I were you, I would sit down, I'd pause, and say, Okay, what are the goals I'm ultimately trying to accomplish? And are the decisions I'm making today really moving me towards those goals, or in actuality, are they going to keep me further away from those ultimate end goals?

Is It a Bad Idea to Cash Out a 457b Penalty-Free to Pay for a House?

Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

Subscribe today to stay up to date with our latest episodes, livestreams, and highlight videos: https://www.youtube.com/c/MoneyGuyShow?sub_confirmation=1

Are you ready to go beyond common sense when it comes to your money? Check out all the free resources The Money Guy Show provides: https://moneyguy.com/resources/



The Money Guy Show

주택 구입을 위해 457b를 현금화할 때의 위험성

주택 구입을 위해 457b를 현금화하면 상당한 세금을 납부하고 자산의 잠재적 성장 가능성을 잃을 수 있습니다.

향후 몇 년 안에 소득을 두 배로 늘리고 청산을 목표로 한다고 해서 은퇴 기금이 고갈될 위험이 정당화되지 않을 수 있습니다.

이러한 결정을 내리기 전에 부를 쌓는 데 집중하고 장기적인 영향을 고려하는 것이 중요합니다.

은퇴 전 투자금 청산에 대한 오해

많은 사람이 은퇴 후 모든 투자를 청산하고 그 현금으로 생활할 수 있다고 생각하지만, 실제로는 그렇지 않습니다.

감액 단계에서도 은퇴자는 향후 수십 년 동안 생활하기 위해 포트폴리오의 일부가 여전히 필요합니다.

은퇴 전에 전체 포트폴리오를 청산하려는 사고방식은 미래를 위한 재무 계획에 대한 잘못된 오해에 기반한 것입니다.

현금을 사용하여 주택을 구매할 때 고려할 사항

현금을 사용하여 집을 구입하는 것은 장기적인 재정적 영향을 미칠 수 있으므로 신중하게 고려해야 합니다.

현금 사용의 기회 비용을 평가하고 생활비를 위한 충분한 자본이 남아 있는지 확인하는 것이 중요합니다.

몇 년 만에 소득이 두 배로 늘어난다면 아직 저축 단계에 있음을 의미할 수 있으므로 종합적인 재무 평가의 필요성이 더욱 강조됩니다.

장기적인 성공을 위한 재무 목표 재평가하기

결정을 재평가하여 장기적인 목표에 부합하고 진행에 방해가 되지 않는지 확인하는 것이 중요합니다.

잠시 멈춰서 현재의 행동이 궁극적인 목표에 진정으로 도움이 되는지 평가하는 시간을 갖는 것이 중요합니다.

단기적인 이익에 초점을 맞추는 대신, 선택이 장기적인 재정적 성공에 미치는 영향을 고려하는 것이 중요합니다.