모기지 상환 후 다운사이징 및 투자 옵션

### 모기지 상환 후 현명한 재정 이동
* 🏡 Kathy는 모기지를 성공적으로 상환하고 이제 빚이 없어졌으며, 이는 **현재 집을 매각한 현금으로 다운사이징과 더 작은 주택 구매**를 고려할 수 있게 된 중요한 성과입니다.
* 💰 매각으로 인해 초과 자금이 발생할 가능성이 있는 Kathy는 이 자금을 투자할 수 있는 옵션을 모색하고 있지만, **로스 뮤추얼 펀드와 관련된 제한 사항**에 대한 정보를 얻었습니다.
* 📚 로스 계좌는 **뮤추얼 펀드를 포함한 다양한 투자 상품**을 보유할 수 있는 계좌 유형이며, **뮤추얼 펀드 자체가 투자 상품**이라는 점을 명확히 하는 것이 중요합니다.
* 💵 캐시는 거주 요건을 충족하는 경우 **주 거주지에서 최대 50만 달러의 양도 소득을 세금에서 제외**할 수 있는 양도 소득 제외 혜택을 받을 수 있습니다.
* 📈 그녀의 상황을 고려할 때, 캐시는 **로스 IRA와 세금 영향이 다르지만 여전히 인덱스 펀드를 구매할 수 있는 브로커리지 계좌에 초과 자금을 투자**하는 것을 고려해야 합니다.
* 🔍 Kathy는 이러한 재정적 전환을 진행하면서 새로운 투자를 하기 전에 자신의 재정적 우선순위를 검토하여 **Roth IRA, HSA 및 고용주가 후원하는 은퇴 플랜에 최대한의 금액**을 불입했는지 확인하는 것이 중요합니다.
* 📝 재무 운영 질서는 특히 주택 매각과 같은 중대한 삶의 변화나 자본 거래가 있을 때 **캐시에게 자금을 현명하게 배치하는 데 유용한 가이드** 역할을 할 수 있습니다.
* 🌟 전반적으로 Kathy는 모기지를 갚은 후 재정 관리에 대한 적극적인 접근 방식을 통해 **미래의 성장과 안정에 대비**할 수 있었습니다.

캐시는 세금 혜택 옵션을 극대화한 후 모기지 상환 잉여금을 중개 계좌에 현명하게 투자할 수 있습니다.

[Music] Kathy has a question. She says, We paid off our mortgage in January. Nice, that's awesome. We are debt-free. It's got to feel good. We want to downsize and pay cash for a smaller home, but I am told we cannot invest the balance into a Roth mutual fund. So, what can we do with it if this is their plan? What do you think? Okay, well, let me explain a bunch of different things. Let me do a little bit of a vocabulary explanation here to kind of level set. You said, I was told I cannot invest into a Roth mutual fund. You kind of combine two different ideas there. Roth is a type of account. It is an account that exists that you can then hold investments in. Inside of your Roth, you can hold stocks or mutual funds or ETFs or cash, but the Roth is just an account type, an account structure. A mutual fund is the actual investment that you're buying inside of the account that you choose to use. That's just like some quick vocabulary 101, so your

question is, Hey, I paid off the house, paid off the mortgage in January. We're now going to downsize, and I'm going to have more money from the sale of my current house than it's going to require to go buy the new house. So what do I do with the excess? Where can I put it? What are my options? Uh, I think one of the great things, uh, if let's assume that you, this house that you paid off, that you're going to sell, let's assume that you and your spouse bought this house, and it's gone up in value, and so long as it's not gone up more than $500,000 in total value from the time you bought it plus any improvements until today. One of the beautiful things about this issue that you have is there's not going to be a tax bill associated. You get to exclude the first $500,000 of gain on your primary residence, assuming you lived there for two out of the last five years. So you don't have to worry about paying the tax man. So

literally, this is going to be like free cash flow to you. What should Kathy consider doing to give Kathy a huge compliment? That you know one of the things we talk about on the show is that housing is a use asset. Because it's a use asset that you can't basically eat your house in retirement. We tell people we value at a very conservative, you know, of the Cost Plus improvements. Because I think so many people have kind of boosted their net worth or their comfort with their financial situation off of just the equity in their house. And we always like, well, you can. It's hard to turn that equity into cash. Kathy's actually done it. If she, when she does this, when she downsizes, she will actually be able to take some of those gains and use that money above and beyond what it's going to take for these smaller homes. So she's, I think that kudos to you for having excess housing funds now. I love that this extra margin or this extra money she actually wants.

to invest it sure so I'm all about how she's done that. Now, the problem is the government, 'cause we all know Roth. It's awesome. It's awesome tax-free. You know that money grows compounding growth. Kathy gets it. But the problem is it's so good the government restricts how much you can put in every year. It restricts how much you can put in or you convert from if it was traditional. This is after-tax money that's coming to you, so you're probably just going to want to invest it into some type of brokerage account. And the good news is you can still buy index funds just like you can in a Roth IRA. You can buy index funds in that after-tax joint brokerage account and put that money to work, and it's still going to be tax-favored. It's just not going to be tax-free like the Roth growth is. It's going to be taxed at ordinary, you know, your ordinary income on the bonds. You'll pay at ordinary income tax rates. The dividends will pay at that preferred

lower tax rate for dividends and capital gains. If you hold them long enough, they'll be preferred as well. Now, what is interesting is Kathy didn't say, I don't think, she said that she was retired. She just said she paid off the house, and they're thinking about downsizing. So, a great thing to do whenever you have a capital inflow flow into your life is you ought to check where you are in the food bra. Will you hold up the financial order of operations for me? Oh gosh, this is a nine-step tried and true process to tell you what to do with your next dollar. Well, when you sell this house and you have a lot of next dollars coming your way, this might be a great time to assess, Okay, if I'm still working, have I maxed out my Roth IRA? Have I maxed out my HSA? Is my emergency fund fully funded? Do I need to go back and max out my 401k, 403b, an employer-sponsored plan? And so long as I've checked all those boxes.

Then I agree completely. The XS can roll right into that after-tax account anytime you have a major life change or a large capital transaction like this. Revisiting the food, revisiting the financial order of operations is a great step to make sure that you're deploying your dollars as wisely as you can.

What Are the Best Uses for the Extra Cash After Downsizing Our Home?

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캐시는 모기지를 갚고 주택 규모를 축소할 계획이며, 주택 매각으로 인해 잉여금이 생겼습니다.

Roth는 계좌 유형이고 뮤추얼 펀드는 해당 계좌에 투자하는 것입니다.

캐시에게 주 거주지 매각으로 인한 첫 50만 달러의 이익은 세금에서 제외할 수 있으므로 초과 자금을 비과세로 투자할 수 있습니다.

Kathy의 재무 전략: 규모 축소 및 투자

캐시는 주택 규모를 줄여 남은 주택 자금을 투자에 활용하려고 합니다.

정부의 Roth IRA 불입금 제한으로 인해 세후 투자를 위해 중개 계좌를 고려할 수 있습니다.

세금 처리의 차이에도 불구하고 그녀는 중개 계좌를 통해 인덱스 펀드에 투자할 수 있어 세금 혜택을 받을 수 있는 기회를 제공합니다.

자본 유입을 위한 재무 운영 순서

배당금과 자본 이득에 대한 세율이 낮기 때문에 충분히 오래 보유할 경우 유리합니다.

주택 매각 등으로 자금이 유입될 때는 자신의 재정 상황과 목표를 평가하는 것이 중요합니다.

9단계 재정 운영 순서에는 Roth IRA, HSA 및 고용주가 후원하는 플랜에 대한 불입금을 최대화하고 비상 자금을 충분히 확보하는 것이 포함됩니다.

인생의 큰 변화 이후 스마트한 금융 이동

중요한 인생의 변화나 대규모 자본 거래가 있을 때 XS를 세후 계좌로 옮길 수 있습니다.

현명한 자금 배분을 위해 재무 우선순위와 운영을 재검토하는 것이 중요합니다.

이러한 전환기에 신중한 재무 결정을 내리면 장기적으로 더 나은 결과를 얻을 수 있습니다.