은퇴 후 저축에서 소비로 전환하기

### 은퇴 후 저축에서 소비로 전환하기
* 💰 수년간의 재정 규율 끝에 **은퇴 후 저축에서 소비로 전환하는 것**은 어려운 일이 될 수 있습니다.
* 🚗 " 저는 사람들이 은퇴하기 전에 **미리 은퇴 테스트**를 시작했으면 좋겠어요.
* 첫 번째 단계는 지출 한도를 설정하고 재무 계획을 정기적으로 업데이트하기 위해 **'계산'**을 하는 것입니다.
* 💭 두 번째 단계는 **"계산에서 벗어나" 단순한 재정적 숫자를 넘어 인생의 목표와 가치를 고려**하는 것입니다.
* 👨 "자녀와 손주들이 이 돈을 쓰는 데 아무런 문제가 없을 것이므로 **매일, 그리고 모든 돈을 목적에 맞게 사용하는 것**이 좋습니다."

은퇴 후 저축에서 소비로 전환하는 가장 좋은 방법은 은퇴 전 몇 년 동안 지출을 연습하는 것입니다.

[Music] We're going to move on to Chris's question. Are you ready? Yes, ma'am. It says, What's the best way to transition from spender or to spender from saver? Sorry, got that backwards. There's not a problem in America where we have trouble transitioning from spender to saver. I feel like that is that we are just the opposite of that. Okay, I'm going to start that over. He said, What's the best way to transition to spender from saver in retirement? I know that's something that I'm going to struggle with, so he's looking ahead. What type of mindset shift or advice do you have for him as he thinks about that? Well, you're not alone in this, Cur, because one of the difficulties that we see with financial mutants all the time is that all you're asked to do is exercise discipline for your entire working life and save money from the time that you start working all the way until the time you start working, and then magically you're supposed to be able to flip a

switch and be able to start spending that money. It's a hard thing to do. You have to kind of rail against something that you've likely spent 20, 30, 40 plus years mastering, and so it does become difficult. Now your actual question, it sounds like, was what's the best way to transition, and what I generally counsel people who are at Financial Independence or at retirement or nearing retirement is one of the best things I think you can do is begin to test, test drive what it looks like, begin to figure out, okay, what, especially if you've been saving, you've accumulated your number, you know that, you know that, you know you're where you're supposed to be. I like for folks to start test driving retirement before they get to retirement. Yes, some of that is figuring out, do I actually like golf, is pickleball a sport that I really want to do, um, is travel something that gets me excited? Well, in that same vein, am I going to be okay spending money, is it okay for me to start spending more money immediately prior to retirement so

that I can begin to see what that feels like, and how I feel about it, because what's beautiful is if you can go from the Working World, establish the lifestyle you want to live, let work fall off, and maintain that lifestyle. It's just a much more seamless solution. So I think the best way to transition is to practice doing it in the few years leading up to retirement. So I wrote down two things. These are going to seem like common sense, but I don't think people actually do it. First, do the math, meaning that you've got to find that when Spenders. I mean Savers. I'm making the same mistake that Reby just did. When Savers transitioning into Spenders, we've spent 30 years building these resources, and it's just hard to change those good habits that we've been rewarded with. So first, do the math to figure out so you know where the guard rails are. So you know, hey, what can I spend per year, and then update that every year. There's nothing wrong with

this is exactly what we do for a lot of clients. Is we just do check-in stress test to see, hey, can we increase the spending? Do we need to cut back? Where are we at with this? So do the math. You got to know where the guard rails are. Second thing you need to do, get outside of the math because I want you. You got to do the math. Everybody in personal finance does the math for you because they're like, hey, if you just save up $3 million or $3.5 million, you'll be great. No, that's the math. Now we got to get outside of the math because you want. What is you have to ask yourself? What is my best life? What are my why? What are the goals? How do I maximize each decade that I'm on this planet? That's not going to be math-based. That's look. Math is going to be a component to it, but you got to start thinking about how you're going to spend this money because when you get to the reality of success and you realize, hey, you can't take it with

you so how do we navigate this well. I think you'll start figuring out hey maybe it's okay that this is where I'm spending more on the memories. I'm spending more on education for loved ones and all those positive things. And then here's something that will be a little bit of cold water to kind of keep you going. It's just like you know if you're ever training for something if you don't have a little fear in there. I feel like that that you lose some motivation but this if I give you this statement this will be the cold water you can remind yourself or the smelling salts. Uh to to kick you back into gear your kids and grandkids will have no trouble spending this money. So you go ahead since you were the Builder of this let's go ahead and begin with the end in mind and start thinking about what's the best way to use this money with your fingers in the dough of life to to to maximize this opportunity because kids grandkids will have no trouble spending.

this money um so you might as well be purposeful with every day and every dollar that comes your way

What Is the Best Way to Transition from Saver to Spender?

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많은 사람이 평생을 절제하며 살다가 은퇴 후 돈을 저축하는 것에서 소비하는 것으로 전환하는 데 어려움을 겪습니다.

한 가지 조언을 드리자면, 실제로 은퇴하기 전에 은퇴를 시험해보고 돈을 쓰는 것에 익숙해지도록 노력하는 것이 좋습니다.

여기에는 다양한 활동을 시도해보고 점차적으로 지출을 늘리는 것이 포함될 수 있으며, 이는 전환에 쉽게 적응할 수 있는 방법입니다.

은퇴를 앞둔 몇 년 동안 저축에서 지출로 전환하는 연습을 하는 것이 중요합니다.

계산을 통해 지출 한도를 결정하고 정기적으로 업데이트하는 것은 원활한 전환을 위해 매우 중요합니다.

재정적인 측면 외에도 라이프스타일 목표와 은퇴 후를 최대한 활용하는 방법을 고려하는 것도 중요합니다.

사랑하는 자녀를 위한 교육 재정 지원 탐색하기

교육에 대한 지출 증가를 사랑하는 가족을 위한 긍정적인 추억과 기회에 대한 투자로 인식하는 것이 중요합니다.

하지만 재정적 영향을 염두에 두고 미래를 위해 현명하게 계획하는 것도 중요합니다.

이 기금이 미래 세대에 도움이 될 것이라는 점을 염두에 두면 이 재정적 약속을 최대한 활용할 수 있는 동기를 부여할 수 있습니다.

돈을 최대한 활용하려면 돈을 목적에 맞게 사용하는 것이 중요합니다.

모든 돈은 재정 목표를 달성하기 위해 신중하게 관리해야 합니다.

안전한 재정적 미래를 보장하려면 지출과 저축에 대해 신중한 결정을 내리는 것이 중요합니다.