자동차 대출 관리: 금융 가이드라인에 적응하기

### 자동차 대출 탐색하기: 재정적 안정을 위한 전략
* 🚗 25세와 30세의 한 부부는 이상적인 3년이 아닌 **8%의 이자율로 5년 동안 자동차 대출**을 받은 238 규칙을 벗어난 자동차 대출로 어려움을 겪고 있습니다.
* 💡 238 자동차 구매 규칙은 **20% 계약금, 36개월 이하 할부, 월 페이먼트가 총 수입의 8%를 초과하지 않도록** 하는 것을 권장합니다.
* 📊 이 규칙에 따라 **36개월 이내에 대출금을 상환하는 데 필요한 상환액**을 계산해야 하지만, 이 상환액이 **소득의 8%를 초과**하면 재정 상황을 재평가해야 할 수 있습니다.
* 두 가지 옵션이 있습니다. **238 프레임워크에 맞게 지불액을 늘리거나, 추가 현금 보유액을 사용하여 대출금을 일시불로 납부**하여 대출금에 맞추는 것입니다.
* 💰 월별 자동차 페이먼트보다 **Roth IRA 또는 401(k)와 같은 은퇴 계좌에 우선적으로 투자**하는 것이 중요하며, 이는 월별 자동차 페이먼트를 초과해야 한다는 점을 강조합니다.
* 🚘 고급 차량인 경우 **장기 할부보다는 몇 개월 이내에 빠르게 상환**하는 것이 좋습니다.
* 🔍 비상 자금이 없거나 납부금이 소득의 **8%를 초과하는 경우**, 재정적 부담을 피하기 위해 더 저렴한 옵션으로 자동차를 판매하는 것을 고려해야 할 수 있습니다.
* ⏳ 궁극적으로 **자신의 재정 상황을 정직하게 평가**하고 장기적인 재정 건전성을 저해하지 않는 결정을 내리는 것이 중요합니다.

G Max 1999는 238 규칙에 부합하고 재무 안정성을 우선시하기 위해 자동차 대출 옵션을 평가해야 합니다.

[Music] G Max 1999 has a question for you. That's an easy one. It says, Yeah, party like 1999, Prince. Yeah, let's do this. Come on, lay it up. Uh, it says, My wife and I are 25 and 30 and got a car loan outside of the 238 rule. We did 5 years instead of 3 years because we did not know the foo and the money guy at the time. The interest rate is 8%. Do you recommend to pay it off as step three of the financial order of operations, or should we adapt the payments to end it at the three-year mark and then continue on to step four? So, how do you handle it when you just learned about this and you haven't followed 238? Yeah, so for those who are maybe hearing this for the first time, when it comes to buying cars, we think you should adhere to the 238 car buying rule. We want you to put 20% down on the auto purchase. We don't want you to finance for any more than 3 years or

36 months, and your car payment cannot exceed 8% of your monthly gross income. And so, if you run afoul of that, the hard thing you have to do is, Okay, well, how do I get it back inside of that realm? So, real easy, like spreadsheet financial calculator mathematics here, I would figure out, Okay, if I finance it over five years, and I know it's supposed to be financed over three years, what would my payment need to be for me to pay it off inside of that 36-month window? So, that's step one that I would figure out. Now, here's where I think it gets a little tough, and I think this is going to be an unpopular opinion and maybe a hot take. If you do that, and then you determine that, Oh, wow, that payment that I have over three years far exceeds 8% of my gross income, well, then you might have to make some tough decisions. Then you might be in a precarious situation. Well, there's also, there's another element that you could, because you really get two options. You

either increase your payments to get it now within check of 238, or you can actually, if you have a little extra in your cash reserves, you can go ahead and pay down, you know, figure out what your current payment, which if it is 8% of your gross income, figure out what 8% of your gross income is to figure out what you need to do in a lump sum to get this thing caught up. It's a little bit of math. We actually have a great car buying calculator, so if you want to play around with the numbers to kind of help you figure out some of this, go to money.com resources. You can actually use that portal to kind of figure some of this out. But, and there's a few other elements to car buying that I just like to remind people, 'cause 238 is supposed to be your access point to reliable transportation. This is not to get you into that luxury vehicle to impress people who just do not care about your financial life, but you think that they do for some reason when you

when you sign that note that's S8 to $1,000 or more like a lot of people in you know out there doing in the world now. But the key thing is this needs to be your monthly investments into your Roth, your 401k. Those monthly investments need to exceed that monthly car payment absolutely. And then if this is a luxury purchase, meaning that if you have anything that's like you know BMW, Mercedes, Audi, any of these things that you got some of that German engineering in there, by all means you need to pay that off same as cash. You can pay it off within a few months. You don't buy luxury goods or luxury vehicles with 238. Now there this may be the case. You may have bought this automobile and maybe you put down a decent down payment. You have some equity in it and you determine holy cow I don't have an emergency fund. I don't have cash reserves that I can go dump into this thing. And I also if I try to do this

over three years, my payment is going to way exceed 8%. You may have to do an assessment and say, Okay, is the actual best path forward for me to get out of this automobile? Might I be able to still say, sell this car and get into something more affordable, more reasonable, more in line with my financial situation? 'Cuz what you don't want to do is this five-year thing that you've now gotten yourself wrapped into. You don't want it to cause you to put your financial life on hold for five years. That time is just so, so, so valuable. So do a self-assessment, determine where you are and what options are realistically available to you, and then be true to yourself. If you have to make a tough decision and decide, Okay, maybe this car is not the right car for me right now, it's not no forever ever, just know right now.

We Broke the 20/3/8 Car Buying Rule! (What Should We Do?)

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25세와 30세의 한 부부는 8%의 이자율로 5년 동안 자동차 대출을 받은 후 238 규정을 초과하는 자동차 대출로 어려움을 겪고 있습니다.

재정 고문은 3년 후 대출금을 갚는 데 필요한 페이먼트를 계산해 보고 이 페이먼트가 총 소득의 8%를 초과하면 어려운 결정이 필요할 수 있다고 경고합니다.

이 부부에게는 자동차 할부금융을 정상화할 수 있는 두 가지 옵션이 제시됩니다.

자동차 할부금을 따라잡으려면 납부액을 늘려 $238 목표를 달성하거나 여분의 현금을 일시불로 사용하는 것을 고려하세요.

총 수입의 8%를 계산하면 정상 궤도에 복귀하는 데 필요한 금액을 결정하는 데 도움이 될 수 있습니다.

com의 자동차 구매 계산기와 같은 리소스를 활용하여 옵션을 탐색하고 목표는 고급 차량이 아닌 안정적인 교통수단이라는 점을 기억하세요.

월별 투자 및 사치품 구매 관리

로스 또는 401k에 매월 투자하는 금액이 자동차 페이먼트를 초과해야 합니다.

BMW나 아우디와 같은 고급 차량 구매는 몇 달 이내에 신속하게 상환해야 합니다.

고급 차량에 대한 자산이 있지만 비상 자금이 부족한 경우 추가 지불을 하기 전에 현금 보유를 우선시하는 것이 중요합니다.

3년이 지나면 자동차 할부금이 8%를 초과할 수 있으므로 금융 옵션에 대한 자체 평가가 필요합니다.

더 저렴한 옵션을 위해 자동차를 매각하는 것이 실행 가능한 해결책이 될 수 있습니다.

현실적인 결정을 내리고 자동차 할부금 때문에 5년 동안 재정 생활에 지장을 받지 않도록 하는 것이 중요합니다.