미니밴 파이낸싱: 옵션 및 고려 사항

### 자동차 구매 자금 조달: 은퇴 저축액이 100만 달러인 30대 중반 부부를 위한 옵션 고려하기
* 💰 30대 중반인 이 부부는 **45,000달러의 미니밴 구매**를 위한 자금 조달을 고려하고 있습니다. 이 부부에게는 **3만 달러의 상속 IRA, 2만 달러의 HSA 영수증, 10만 달러의 Roth IRA 불입금** 등 여러 가지 구매 자금 조달 옵션이 있습니다.
* 🚗 재정 고문은 이러한 계좌에 있는 비과세 자금의 장기적인 성장 가능성 때문에 **미니밴 구매에 HSA 영수증과 Roth IRA 적립금을 사용하지 말라**고 조언합니다.
* 💼 상속된 IRA는 일반 소득세가 부과될 수 있지만 **중도 인출에 대한 벌금이 부과되지 않기 때문에 흥미로운 옵션**으로 간주됩니다. 어드바이저는 상속 IRA 사용의 세금 영향과 잠재적인 자금 조달 옵션을 비교할 것을 제안합니다.
* 💵 어드바이저는 자동차 딜러의 융자 제안을 조사할 것을 권장하며, 때로는 **0.9~2.9%까지 낮을 수 있습니다.** 이는 상속받은 IRA를 현금화할 때 발생할 수 있는 세금 결과와 비교해야 합니다.
* 📊 고문은 **로스 및 HSA 계좌의 비과세 성장의 가치**를 강조하며 장기적인 은퇴 저축을 위해 이러한 계좌를 보존할 것을 제안합니다.
* 📝 대규모 구매 자금 조달에 대한 결정을 내릴 때는 **다양한 자금 출처의 세금 영향과 향후 성장 잠재력**을 고려하는 것이 중요합니다.
* 🛠 자동차 구매 체크리스트 및 계산기와 같은 추가 리소스는 **moneyguy.com/resources**에서 확인할 수 있으며, 이를 통해 자동차 구매 금융에 대한 현명한 결정을 내리는 데 도움이 됩니다.

상속 IRA는 비과세 혜택을 그대로 유지하면서 미니밴 구매 자금을 조달할 수 있는 전략적 기회를 제공합니다.

[Music] All right, Intentional Life's question is up next. It says, We're buying a minivan for about 45k. Oh yeah, soon. But we are short on the cash, and he says, Foo failure. Should we finance or should we use an inherited IRA that's about 30k, or should we use HSA receipts, which is about 20k, and/or should we take our Roth IRA contributions, which is about 100k? They're in their mid-30s, they have 1 million in IRAs and 401ks. So, that's a lot of information, but I think this is an interesting question. When do you finance a vehicle purchase? 'Cause he does technically have options. They are not all created equal, which obviously I know you're going to speak to, but what do you think? I want to make sure that I have the four. We can finance it, we can take out Roth IR contributions, inherited IRA. Oh yeah, Roth IRA contributions was the last one, or an inherited IRA, which was about 30k.

or use HSA receipts and cash in on about 20K. Uh, this is again, this in uh, intentional life. This is where personal finances are so personal because you have a lot of options here, and it's very, very difficult to tell you which one is going to make the most sense because you said uh, you have a million dollars in IAS across Roth and Roth and regular, right? Um, did they say how old they are? Mid-30s, mid-30s, awesome. So one of the problems uh, and oh my gosh, this is a hard one. Okay, we love tax-free dollars. We love tax-free growth. Like, it is so, oh, it's just awesome. So tax-free dollars are great. So when I hear you saying, Hey, I have, we have receipts where we could potentially use our HSA dollars, and for those of you that don't know, one of the things you can do if you fund an HSA, you can then invest the dollars to grow, and if you save your receipts from previous uh, doctor bills and expenses.

you can reimburse your future self for those expenses. It's a great way to turn your HSA into like a supercharged Healthcare Roth. While we love that, I hate you thinking. I hate thinking about you taking those soldiers out of your army of dollar bills in your mid-30s because you know what's even cooler? When those tax-free dollars grow and grow and grow and grow and grow. So, I don't love using the HSA while you could do it right. So, you could do that. I don't love that, so I'm going to mark that one off the list. Next is Roth contributions. Same sort of mindset here holds in your mid-30s. I'm going to argue those dollars that you have in Roth are so, so, so valuable. And a commonality between Roths and HSAs is that you're limited every year into how much you can put into them. You can only put, you know, up to the family max or individual max in HSA. You can only do up to $7,000 in a Roth IRA.

so if you begin pulling out those basis contributions, you pull out that $30,000, $440,000 to go buy that car. That's a huge chunk. So if you think about $40,000, that could continue to compound for the next 20 or 30 years tax-free. It becomes very, very expensive to do that. So I don't love tapping into the Roth dollars now. All right, so let's take out Roth. Let's take out HS. By the way, this is not specific advice. I'm just kind of going through a stream of consciousness, what I'm thinking as I'm looking at this. The inherited IRA is really interesting, right? Because this is something with most IRAs and 401(k)s. If we want to draw out the money before we reach the age of 59 and a half, not only do we have to pay ordinary income taxes, we have to pay a penalty on that. Inherited IRAs are a little bit different. When you inherit an IRA under the new inherited laws, you

have 10 years that you have to deplete that. So, I don't know when this came into your possession, if it was before the law changed or after the law changed. But one of the great things is it's not subject to the same penalties. So, depending on your income tax situation, if you have $30,000 in that inherited IRA at some point in the future, I'm going to argue again, let's assume this was after the tax law change. In the next decade, you're going to have to pull those dollars out, and you're going to have to pay ordinary income tax on that. Well, if your income is going up and you're going to be in a higher tax rate in the next decade than you are now, it might not be crazy to use those inherited IRA dollars. One, it's one less account; it'll clean up the account. You're going to be required to take a distribution out of it anyways, so long as it's not like incredibly cumbersome from a tax standpoint. So, I'm looking at your situation; inherited IRA seems like

a really, really interesting opportunity there. And then, if that's not, and then I would think through, okay, uh, what's the tax bill associated with that? And I compare the taxes I would pay, ordinary income tax, to what my financing options are. If I'm going to, I mean, there's some automobile companies that Brian loves that are doing like 0.9% right now, right? I don't think that's for a minivan. They don't make minivans. But if you're going to buy, you know, like a, you know, Honda Odyssey or Toyota Sienna or one of those brands, it's not uncommon that dealers will have like very attractive uh leasing offers that you might be able to get 0.9, 1.9, 2.9. I don't know what they're offering right now, but I would at least go investigate that. And I would say, okay, if I'm going to follow 238 in finance, how much am I going to lose in interest over that financing period versus how much will I pay in taxes if I cash out the inherited.

IRA, and I'll have to make an assessment between those two, which one do I feel better about. I think both of those are viable options. I don't love the idea of tapping into the tax-free dollars. Yeah, I knew I was interested to see what you're going to say about the inherited Roth IRA, so there you go. Um, and I would, I mean, I have to say, and this is part of the equation then, part of the decision that Bo just talked about making. Um, make sure you check out 2038. Go to moneyguy.com/resources. We've got a car buying checklist on there to make sure you're doing it in a smart way if you're going to finance a car. Um, and yeah, also our car buying calculator is at money.com/resources too, so all kinds of car buying resources at your disposal. And we really appreciate your question and hope that helps.

What Is the BEST Way to Pay for a $45,000 Minivan?

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이 개인은 4만5천 달러에 미니밴을 구입하려고 하며, 상속받은 IRA, HSA 영수증, Roth IRA 불입금 등 여러 가지 자금 조달 옵션이 있습니다.

총 100만 달러의 IRA와 401k를 보유하고 있으며 30대 중반의 나이입니다.

비과세 혜택에 대한 욕구와 HSA 자금을 구매에 사용할 수 있는 가능성으로 인해 복잡한 결정을 내리고 있습니다.

미래의 자아를 위한 상환: HSA 및 로스 기부금

HSA를 사용하여 미래 비용을 상환하는 것은 유혹적일 수 있지만 면세 자금을 늘리는 데 방해가 될 수 있습니다.

또한 로스 불입금은 귀중하고 제한적이기 때문에 조기에 자금을 인출하는 데 비용이 많이 듭니다.

상속 IRA는 위약금 없이 돈을 인출할 수 있는 고유한 규칙이 있기 때문에 다른 역학 관계를 제공합니다.

상속받은 IRA는 10년의 고갈 요건이 있으며 다른 계좌와 동일한 벌금이 적용되지 않습니다.

세법 변경 이후에 계좌를 취득한 경우 향후 더 높은 세율이 적용될 수 있으므로 상속받은 IRA 자금을 지금 사용하는 것이 유리할 수 있습니다.

IRA 인출에 따른 일반 소득세와 저금리 차량 리스 등의 자금 조달 옵션을 비교하여 현명한 결정을 내리는 것이 중요합니다.

옵션 평가: IRA와 상속된 로스 IRA 비교

발표자는 IRA 또는 상속받은 로스 IRA를 활용할지 고민 중이며, 두 가지 옵션 모두 실행 가능하다고 생각합니다.

면세 자금 사용에 대한 거부감을 표현하고 정보에 입각한 결정의 중요성을 강조합니다.

또한 이 발표자는 체크리스트와 계산기 등 moneyguy.

com에서 제공하는 자동차 구매 리소스를 홍보합니다.