고급 자동차 및 238 자동차 규칙에 대한 이해

### 238 차량 규정 및 고급 차량 고려 사항 이해하기
* 🚗 미구엘 로이는 오늘날 부풀려진 자동차 시장에서 **고급 차량의 기준과 238대 규정의 적용 가능성**에 대해 중요한 질문을 제기합니다.
* 💰 238 규칙에 따르면 구매자는 **20%의 계약금을 내고 36개월 이내로 할부금을 납부**하며 총 자동차 할부금이 **총 수입의 8%를 초과하지 않도록** 하여 과도한 재정적 지출을 피해야 합니다.
* 📊 차량 비용보다 저축을 우선시하는 것이 중요하다는 점을 강조하면서 **월별 투자액이 차량 비용보다 많은 균형**을 유지하는 것이 중요합니다.
* 🚙 238 규정은 고급 차량에 대한 규정이 아니므로 **고급 차량의 정의는 브랜드와 모델에 따라 다양**하기 때문에 복잡합니다.
* 🤔 개인은 자신의 재정 상황을 평가하고 **238 규정을 장기적인 재정 목표에 방해가 될 수 있는 고급 차량 구매의 정당화 근거**로 삼지 않아야 합니다.
* 💡 현금으로 차량을 구매할 수 있는 여유가 있다면 **현금으로 구매하는 것이 좋습니다.** 현금 구매는 부채와 이자 지불을 없애고 "현금은 언제나 왕"이라는 생각을 강화하기 때문입니다.
* 🔍 궁극적으로 개인 금융은 자신의 재무 목표에 부합하는 정보에 입각한 결정을 내리고 **차량 구매가 미래의 저축과 투자에 방해가 되지 않도록** 하는 것입니다.

고급 차량은 238과 같은 할부 규정의 함정을 피하여 전액 현금으로 구매해야 합니다.

[Music] Miguel Roy talk has a question. He says, Is there a dollar amount where a vehicle is considered luxury, with regular car prices now being so ludicrous? Is there a price point at which 238 is not applicable, and you should just use cash? And I think you should do a brief outline of what the 238 car rule is and how luxury cars fit into that. But the question of, you know, when do you use 238 versus paying cash for a luxury car is a valid question. I'll do 238; you do Luxury. How's that sound? Okay, you can do that. Sweet. All right, so when it comes to buying a car, we think that especially in the environment in like obviously paying cash is always a great solution. If you're able to pay cash, that's a wonderful way to pay for an automobile. But absent your ability to pay cash, we do have a car buying rule that will help make sure you keep yourself inside the guardrails. It's 238. You want to put 20% down on the

purchase. You do not want to finance for any more than 3 years or 36 months, and the total car payment cannot exceed 8% of your gross income. So, if you can follow 238, you'll make sure you don't overbuy a car and get yourself into more car than you should. We actually have a great calculator out on the website moneyguy.com you can go play with to see, Okay, how much car can I afford, and what should I put down? And you can actually do that. Now, there are two little caveats to the rule. Caveat number one is you want to make sure that your monthly investing is greater than your car payment. So, you don't want to have a $700 car payment and only be investing $200 a month. You want those to be flipped. It's okay to have a $200 car payment if you're investing $700. So, you want to make sure that the investment amount monthly is greater than the car payment. That's caveat number one. Caveat number two is you're not supposed to use

238 to buy a luxury vehicle. This is supposed to be for reliable transportation, so therein lies the rub. How do you quantify if something is luxury or not? Well, this is fortunately us humans have this amazing resource. It's called a brain, and I think a lot of systems I don't love that they are absolutes in how they give you guidance because they treat you like you're a baby or an infant in a lot of the processes, and I treat you like you're a human, and I'm hoping I'm turning you into a financial mutant human to understand that these rules were designed so that you can get the Corollas, the Camry's, the Civics, the Accords, so you can really fire up your wealth-building engine, which is your job. That's going to allow you to save and invest for the future. So when you're making the decisions, and look, there's all kinds of gray zones just like there is in everything else we deal with, you know, we could get into is Tesla you

know, especially like a Model 3, a Model Y. Those probably aren't luxury. I mean, but if you're buying the S, if you're buying the Cybertruck, if you're buying the X, yeah, those things are luxury. It's the same thing. We could go through each brand. Toyota, I mean, if you're doing the Land Cruiser, that is luxury. If you, you know, and by the way, if you go buy the Suburban instead of the Yukon, that's not necessarily getting you out of the luxury just because it's the Chevrolet version versus the GMC version. There's all kind of mental games we can play with ourselves. The big thing I need you to keep front and center is what is money doing for you? What are your army of dollar bills doing for you? If you feel like you are using $238 to cut the corner off to get into that luxury vehicle that you think is going to impress your neighbors and friends, you are doing it wrong. Now, if you're at step eight of the financial water of

operations maybe it's okay that you're buying the Yukon or the Suburban or the Land Cruiser or even the Tesla. But if you find yourself that you know that you might be a little aggressive on this and you're not really getting the best deal that gets you in the safest, most reliable car, and you're I just want to make sure you're not driving your retirement because that's what I see most Americans doing. Is when you see car payments $700 to $1,100 a month and you find out that they're only saving $150 a month because they get a match off of it with their employer, you're doing it wrong. Don't fall into that trap. But I'm going to give you the understanding and treat you like an adult that yes, I mean you, you if you've got to buy a minivan, you go look at a Honda Odyssey. Now maybe instead of doing the touring edition, you're getting just the leather seat ones. So because you know the kids are going to rub

goldfish and crumbs all in there, so you might as well get them some leather on there. They will, but you don't have to go do the touring model. I'm going to give you the grace to say that that probably does work for 238, even though the prices are absolutely ridiculous. I'm going to give you that grace because it's reliable transportation to meet you where you need it to in your life. Personal finances are definitely personal. I'm just trying to give you the guidance so you don't get derailed and you're driving around in your retirement, and you get to 60 years of age, and you go, Why? Why do I not have money? And it's because of all those small incremental decisions that you just didn't let the little decisions turn into your Great Big Beautiful tomorrow. So I'm going to give you some grace on this and treat you like an adult, and you need to be honest with yourself because if you're not developing these skills because that's

part of what the financial order of operations is also to do teach you how money works to be better with it so you actually have the skill set to make good critical decision-making decisions and not just have to every time you do something financially you go oh my gosh what did Bri and B say oh my oh no I I I I can't do this because I didn't develop the skill I want you to have legs and walk like an adult that was a more well-rounded answer than I was expecting oh yeah it was great oh that was very good I'm trying to train you to I mean teach a man to fish we want you to have legs and fish I like it no but I mean there's skills here I'm trying to teach you to um the original question though there's really not a dollar amount there's not and this is I do ad that is hard to like this is what mroy said that I thought was so interesting he said with regular car prices now being is there a price at

which 238 isn't applicable, and you should just use cash. I'm going to say, if you're at the position where you could use cash to pay for an automobile, cash is always king. And now you're saying, Oh, well, maybe I could do a different car and do 238. Your self-assess spidey sense ought to go off. I could pay cash for this one, or I could 238 this one. I would immediately say, Am I trying to stretch? Am I trying to go outside of what I should really be doing for where I am and what I really need at this stage? That was a good clarification. You should. I hate car buying. I don't like car buying. No, Mei, because it's a necessity to get you to your job and stuff. I'm not a car guy, though. Okay, I say that, but I drive. I mean, okay, I quit, right? You know, right? I'm not a car guy. That's not true.

At What Price Does a Car Become 'Luxury'? (Ditch the 20/3/8 Rule in 2024?)

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238 자동차 규칙은 계약금 20%, 할부 기간 3년 이내, 총 수입의 8% 미만으로 자동차 페이먼트를 유지하는 것을 권장합니다.

현금으로 자동차를 구입하는 것이 가장 이상적이지만, 238 규칙은 과도한 지출을 방지하는 데 도움이 됩니다.

이 규칙에 대한 두 가지 주의 사항은 월 투자액이 자동차 페이먼트보다 큰지 확인하고 고급 자동차에는 이 규칙을 사용하지 않는 것입니다.

럭셔리의 정의는 주관적이기 때문에 안정적인 이동을 위해 고급 차량을 구입하는 것은 혼란스러울 수 있습니다.

연사는 재정적인 결정을 내릴 때 절대적인 규칙을 따르기보다는 자신의 판단을 사용하는 것이 중요하다고 강조합니다.

고급 차량으로 다른 사람들에게 깊은 인상을 주려고 하기보다는 돈과 부의 축적이라는 전반적인 목적에 집중하는 것이 중요합니다.

자동차 결제가 개인 재정에 미치는 영향

월 700달러에서 1,100달러에 이르는 자동차 페이먼트는 많은 미국인에게 상당한 재정적 부담이 되고 있습니다.

따라서 더 저렴한 모델이나 트림을 선택하는 등 신중한 자동차 구매 결정을 내리는 것이 중요합니다.

사소한 재정적 결정이 장기적으로 영향을 미쳐 잠재적으로 은퇴 저축을 방해할 수 있습니다.

재정 운영 질서는 개인에게 돈을 효과적으로 관리하고 정보에 입각한 결정을 내리는 방법을 가르치는 것을 목표로 합니다.

외부 지침에 의존하지 않고 중요한 의사결정을 내릴 수 있는 기술을 개발하는 것이 목표입니다.

재정적 기술과 독립성을 키우는 데 중점을 두기 때문에 이 과정과 관련된 구체적인 금액은 정해져 있지 않습니다.

현금으로 자동차를 결제하는 것이 항상 최선의 선택입니다.

238과 같은 다른 결제 방법을 고려하고 있다면 예산을 초과하고 있는지 스스로 평가하고 결정하는 것이 중요합니다.

자동차 구매는 필수품이 될 수 있지만 항상 즐거운 것은 아니므로 이 단계에서 우선순위를 정하는 것이 중요합니다.