성인 자녀를 위한 재무 계획: 도움을 줄 수 있는 능력 평가하기

### 부모의 재정 지원: 관대함과 자기 보호의 균형 맞추기
* 💸 재정 고문이 자신의 재정적 미래를 보호하면서 **성인 자녀를 지원하는 것의 미묘한 균형**에 대해 이야기합니다.
* 👴👵 현재 부모 중 **14%는 선택이 아닌 재정적 필요**에 의해 자녀와 다시 동거하는 경우가 많으므로, 부모는 성인 자녀를 돕기 전에 자신의 재정적 안정을 먼저 확보해야 합니다.
* 📊 '재정적 운영 질서'는 개인이 자신의 재정 상태를 평가하고 **다른 사람을 도울 수 있는 여력이 있는지 판단**하는 데 도움이 됩니다.
* 💰 재정적으로 여유가 있는 부모는 자녀에게 좋은 돈 관리 습관을 가르치고 **저축액을 매칭하는 등 재정적, 비재정적 지원**을 모두 제공할 수 있습니다.
* 👶 어린이를 위한 '기부, 저축, 소비'와 같은 연령에 맞는 수업부터 시작하여 **청소년에게 저축과 투자**에 대해 가르치고, 마지막으로 **성인에게 유산 계획과 보험**에 대한 교육을 제공합니다.
* 📉 자녀가 실수를 하고 이를 통해 배우게 하는 것은 **자립심과 재정적 책임감**을 키우는 데 중요합니다.
* 👨 ↪f_200D↩👩‍👧‍👦 고문은 **어린이들에게 일 경험은 평생 동안 도움이 될 수 있는 귀중한 기술과 직업 윤리**를 가르친다는 점에서 그 가치를 강조합니다.
* 🔍 부모는 지원, 교육, 책임감을 제공함으로써 자녀가 **재정적 독립성**을 키우고 미래에 큰 재정적 실수를 하지 않도록 도울 수 있습니다.

성인 자녀를 돕기 전에 재정적 안정이 중요하며, 자녀의 성공을 위해서는 재정적 책임에 대해 교육하는 것이 필수적입니다.

[Music], so let's jump into these two major questions. Can I help now? Look in the Tweet example that we just showed. Obviously, they've got a financial planner. They've stress-tested their retirement plan. They're very comfortable. They're going to have plenty of resources. So, the answer is a solid yes. However, I will tell you, I have dealt with the other side of this equation where I can even remember a case where I had a windfall client. They had worked in education their whole life, but because where their family land was, a big windfall of money came their way, and it should have set them up forever. Yep, but I remember I had to do some tough love because the adult children, 'cause she had multiple children, were picking her apart. I mean, to the point of buying bedroom furniture for their houses, to the point of when they were trying to go on the next vacation, they were asking their mother for all these things. And when you think about, hey, and I know what these adult children were

thinking, Hey, Mom just came into all this money. She can, she can, she's set. She can help me out. But when you have three or four kids and every adult child is asking mom to do these different behaviors, you can quickly see that, Yes, Mom came into a windfall, but it is breaking the system. And I had to put a stop to it to kind of make sure that she didn't sink herself. So, Bo, we talk about this all the time. What is something you can do when you're figuring out, Can I help? Yeah, one of the things, you know, we always use this analogy, you know, whenever you get on an airplane, they always tell you, Hey, make sure you put on your oxygen mask before you help those around you, before you even help your children. Well, your finances are no different. Before you can start helping others, before you can start being generous towards their financial struggles, you have to make sure that you are on a firm foundation. And unfortunately, when we look just at the numbers broadly, we know that right now.

14% of parents are moving back in with their kids. Now, obviously, some of this may be by choice, and that's wonderful if you want it to be. We want a family unit. If you want to live together, if you want to move back in, that's a magnificent thing. What I'm worried though is that a number of these 14% are not by choice. It's by necessity. It's by appearance recognizing, Holy cow, I am no longer able to provide for my well-being, and rather than being able to continue to help my kids, I now have to depend on my kids to provide shelter or resources for me. That's not the place you want to be in. And if you can assess early on whether or not you can help, hopefully you can avoid being in that dire situation later on. So let's get into the nuts and bolts here. When you ask yourself, Can I help? don't go off just the emotional stuff. You've got to actually, let's put pen to paper, let's look at the financial order of

operations. Where are you at in this process? Are you ahead of the curve? Are you behind the curve? Are you right where you're supposed to be? Every one of those answers to those questions about your personal finances are going to help you figure out, Can I actually help, or is it to my detriment to actually make this decision? And if you are ahead, that's great. You should help. That's a wonderful thing. But if you are behind, you should be true to yourself, and you should recognize, Man, I might not be in the position to be able to provide the help that I want to be able to provide to my kids. But even if that's the case, even if I cannot be the financial resource that my kids need right now, there are a number, a plethora of nonfinancial ways that you can help your kids and that you can pour into their lives. Well, this is something we talk about a lot, how if you're talking about non-financial ways that you can help your adult children and look, it doesn't have to just be adult children.

if you a lot of our audience you're in your a lot of our audience is in their late 20s all the way up to the 40s so your kids are probably still in the house it's not too early to start this process you've got to teach your children to be good with money and one of the things we like to do is start you know thinking about how do you start those and model those behaviors well for your children Bo you do a great job um when you're teaching your children I think about the the the three-part system that that's very age appropriate which is the give save spend can you talk about what you do with your your girls and your son my kids are obviously young so I can't talk to them about Roth IRAs and Roth conversion strategies and safe withdrawal rates but I can talk to them about give save spend every time money comes into their possession I want them to understand okay there's a right thing to do with these dollars and there's a wrong thing first we give and

then we save, and then we spend what's left over. That's a very age-appropriate thing for my kids. But then, as your kids age, you want the educational content that you're providing them to also change. So, as they get into their teenage and young adult years, there are different topics you'll walk through them with. Yeah, and that's one of the things you've heard me share many times, but I think it's very well worth repeating. When your children get to working age, I'm talking about 15, 16 years of age, help them get their first job. And then, once they start having money coming in, talk to them about what are appropriate behaviors, where you need to be saving a portion of your income for the future. And better yet, why don't you take the role of what a lot of employers do? Why don't you prime the pump by actually doing dollar for dollar matches? I did this with my own daughter, and I've created a beast. I mean, she every time she now comes into windfall.

of money from work or other things she will immediately come to me and say, Hey Dad, is that deal where you do dollar for dollar matching still working? If so, I want to give you some money to put in the investment account. While she's still in college, I'm like, Oh yeah, let's do this, and I load her up because I really do think that behavior of understanding giving a little bit of today for that Great Big Beautiful Tomorrow is so valuable. I also really like do make your kids go to work, you know. I think about Bo, you worked in Food Service, you waited on tables. I worked in fast food and did the drive-thru. It is amazing how much of my adult life and the skills I developed working in fast food still have tremendous dividends when I'm dealing with clients, when I'm dealing with co-workers. So make sure that you are letting your children have some chances to learn how to work and build and understand the power of letting your money work, but also a good work ethic.

and then even as your kids age, and as they get into adulthood, there's even age-appropriate ways that you can do adult education when your kids begin to have kids of their own. Are you encouraging them to make sure they have estate documents in place? Do they have life insurance in place? Are they saving appropriately? As you age and you prioritize your financial life, hopefully so too will your kids begin to prioritize their financial life. And even though you want to be able to provide that education, you want to be able to speak to that, you want to be able to lean into that for your kids, you want to give them room to fail. You don't want to do everything for them, you want to step back and let them learn lessons on their own, but you can be that sounding board there to say, Hey, I noticed that you did this. I noticed that you made this choice. Did you think about it this way, or had you approached it this way, might that have been valuable? If they can learn those lessons early on, if they can fail

small early in their life. Hopefully, that'll prevent them from failing big later on in their life. Well, this accountability creates self-reliance, but it also creates them to kind of stand on their own to legs, have skin in the game, create some scarcity in their life, and I think this will serve them well.

Boomers, Ask These Questions BEFORE Helping Your Kids Financially

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

횡재를 하게 되면 특히 가족 구성원들이 그 돈에 의존하기 시작하면 어려움을 겪을 수 있습니다.

다른 사람을 돕기 전에 자신의 재정적 기반을 탄탄히 다지는 것이 중요합니다.

비행기에서와 마찬가지로 다른 사람을 돕기 전에 자신의 재정을 확보해야 합니다.

자녀와 동거하는 부모의 트렌드

부모 중 상당수인 14%가 재정적 필요성 때문에 자녀와 함께 동거하는 것으로 나타났습니다.

이러한 결정을 내리기 전에 부모가 진정으로 도움을 줄 수 있는지 여부를 고려하여 자신의 재정 상황을 평가하는 것이 중요합니다.

재정적으로 도움을 줄 수 없더라도 부모가 동거하는 동안 자녀를 지원할 수 있는 비재정적인 방법은 많습니다.

자녀에게 재정적 책임 교육하기

아이들에게 돈 관리에 대해 가르치는 것은 "주고, 저축하고, 쓰고"라는 단순한 시스템으로 시작할 수 있습니다.

자녀가 나이가 들어감에 따라 제공되는 금융 교육은 보다 복잡한 주제로 발전해야 합니다.

청소년이 첫 직장을 구하는 것을 돕고 수입의 일부를 저축하도록 장려하는 것은 좋은 저축 습관을 심어주기 위해 달러 대 달러 매칭까지 고려하는 것이 좋습니다.

자녀에게 재정적 책임과 직업 윤리 교육하기

어릴 때부터 저축과 투자를 장려하면 미래를 위한 가치 있는 재정적 행동을 심어줄 수 있습니다.

자녀에게 일할 수 있는 기회를 제공하고 직업 윤리를 기르면 성인이 되어서도 장기적으로 도움이 될 수 있습니다.

자녀가 성인이 되어 성장함에 따라 부동산 계획, 저축, 재정 우선순위에 대해 교육하는 동시에 실수를 저지르고 그로부터 배울 수 있는 공간을 마련해 주는 것이 중요합니다.

조기 책임감은 나중에 실패를 예방하고 자립심을 키우는 데 도움이 됩니다.

이는 개인이 주인의식을 갖고, 회복력을 키우며, 희소성의 가치를 배우도록 장려하여 궁극적으로 개인의 성장으로 이어집니다.