재정적 지혜: 자동차 구매와 자산 관리

### 자동차 구매에 대한 이해: 현금과 재정 목표의 균형 맞추기
* 🚗 스테파니는 자동차 구매에 대한 238 규정과 현금 구매 선호도에 대해 중요한 질문을 제기하며 **차량 구매 시 어느 정도의 현금이 과도한지 명확히 해달라**고 요청합니다.
* 💡 238 규칙은 많은 미국인이 부를 운전하는 경향이 있기 때문에 **고급 차량보다는 코롤라 같은 믿을 수 있는 차량**의 필요성을 강조하면서 합리적인 교통수단에 대한 가이드라인 역할을 합니다.
* 💰 더 비싼 자동차 구매를 고려하기 전에 **필수적인 재정 목표**를 달성했는지 확인하는 등 재정 운영 순서를 따르는 것이 중요합니다.
* 📊 재정 여정에서 8단계에 도달하여 모든 목표에 자금을 조달하고 저축이 안정되면, 미래의 재정 건전성에 우선순위를 둔다면 **판단 없이 더 좋은 차를 구입**할 수 있습니다.
* ⏳ 모든 재정적 결정에는 기회 비용이 수반되며, 다른 투자를 희생하면서까지 자동차를 구입하는 것은 **현금을 지불하는 것이 책임감 있게 느껴지더라도 미래의 부를 저해**할 수 있습니다.
* 💵 자동차에 지출하는 금액은 개인마다 크게 다르며, 재정 상황과 목표에 따라 **2만 달러만 지출하면 되는 사람**도 있고 **20만 달러를 감당할 수 있는 사람**도 있습니다.
* 🚙 또한, 업무상 주행거리가 많은 사람은 고가의 고급 차량이 많이 사용하기에 **현명한 선택이 아닐 수 있으므로 자동차를 구매할 때 실용성과 유지비**를 고려해야 합니다.
* 🔑 궁극적으로 자동차 구매가 전반적인 재무 전략에 어떻게 부합하는지 파악하고 **장기적인 자산을 위태롭게 할 수 있는 결정**을 내리지 않도록 하는 것이 중요합니다.

사람들은 현명한 재정적 결정을 내리는 대신 값비싼 자동차로 부를 축적하는 경우가 많습니다.

[Music] We have a question from Stephanie next. She says, You always mention the 238 rule for buying a car, but then also mention that cash is always the best option. Can you explain how much would be too much cash for a car? Should it be a percentage of our total income? Are there any guardrails to that? Well, it's really one of those things. Well, cars, and what's funny is we had somebody come in and tour the studio before we even hit record today, and we had a whole conversation on Teslas. And I said the statement, and I say it all the time on the show, is that too many Americans are driving around in their wealth, and that's the big risk that you have. I think it's more of a financial order of operations question, is that 238 is supposed to be your lifeline, meaning somebody's throwing you a life preserver out in the water that you need good reliable transportation to get to your first wealth-building tool, which is a job, and it's supposed to be a

very affordable car. I'm thinking we need to be thinking Corolla, not the Land Cruiser. As I've said a gazillion times, it's because this is reliable transportation, not something to impress your neighbors, your friends, and your relatives. So, there, if you get to the point that you're in Step eight, meaning you've funded all of your financial goals, you've got the cash reserves all set up, you've been saving and investing 25% for a number of years, your path, you even know your number, you know if you're ahead of the curve, behind the curve, or right where you need to be, and you're clearly way ahead of the curve, and you get to Step eight, and you say, Hey, I'd like to have a nicer car. I'm not going to judge you for that because you did everything else you're supposed to, and you didn't, you know, shortchange your financial and your future self. And that's the big thing that I think people skip, is that when I see a 26-year-old go out and buy the

BMW. I know that they actually just stole from their future self. I even in millionaire Mission. I do an entire section on the timing of big purchases and I use the case study of what happens when the typical Corvette purchaser buys a Corvette, which is like early 60s, versus if somebody in their 20s tried to buy a Corvette and what that means to their worth and their what the car payments or what the cost of it would be and the opportunity cost. And you see it's night and day. So just make sure you make those big decisions at the right time. Yeah, every financial decision, every financial decision we make has an opportunity cost associated with it. If I spend this, then I'm not going to save this. If I buy this thing, I'm not going to buy this thing. Automobiles are no different. You said it so wonderfully, Brian, that if you're working through the financial order of operations, here's what you're not doing. You're not saying, Hey, you know what? I listen to the guys

They say I got to pay cash for a car. I'm going to save up all of, I'm going to save, you know, 20% of my income for the next three years. I'm going to build it up in cash. I'm gonna go pay cash for the car. Well, when you do that, what you're actually doing is you are sacrificing your future well-being. Even though you didn't go borrow money, even though you didn't go out and finance that automobile, that car was costly because what you did is instead of putting your money to work, having it work for you, you bought a short-term consumable, depreciable good. So, how much car too much? I don't think we can define that for you because there are some folks who really don't need to spend more than $20,000 on a car, and there are some folks who can freely spend $200,000 on a car. You have to understand where you are in your financial journey, and you have to define, If I make this decision, what sacrifice am I making for the future?

Is that an acceptable sacrifice that, based on my station in life, I'm comfortable making with this car purchase? Yeah, another thing while we're talking about cars. Like, if you put 40,000 miles a year on your car 'cause you're a salesperson or you know your car is your office, don't go buy a super expensive car because you're basically, that is a consumable that you're going to use every ounce of its value very quickly, and it's going to get crushed. I'm always amazed at people who want to drive a European luxury car 45,000 miles a year and watch the value just nose-dive. I'm like, why didn't they go buy an affordable Toyota or Honda, put a gazillion miles, they get 200,000 miles because the maintenance kills you on those decisions as well. So, so pay attention to how you're using things in your life as well because, and then I have neighbors, and I love them to death, but they tell me I'm doing things all

wrong and I just chuckle internally because they flip their cars every two to three years 'cause they talked to me about these luxury cars and I'm like, Yeah, but that car, if you go look at consumer reports, that car is horrible unreliability. And they're like, Well, I'm not going to own it for more than three years. And like that, You're never going to own the car game. The secret to owning cars, you got to own them past eight years. I'd prefer for you to own cars past ten years. And that's the thing that I think a lot of people when they drive around their wealth, they're doing it all wrong. And I just sit there, I get quiet when we're having those conversations amongst my neighbors 'cause they don't really want to know the answer.

How Much Cash Is Too Much for a Car Purchase?

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

자동차 구매에 대한 올바른 접근 방식

스테파니는 자동차 구매에 대한 238 법칙과 그 결정에서 현금의 역할에 대해 질문합니다.

연사는 많은 미국인이 부를 운전하고 있다는 점을 강조하며 자동차는 사치스러운 선택이 아니라 코롤라처럼 안정적이고 합리적인 가격의 옵션이어야 한다고 제안합니다.

재정적 목표가 달성되고 남들보다 앞서 나간다면 더 좋은 차로의 업그레이드를 고민할 수 있습니다.

타이밍이 대량 구매에 미치는 영향

자동차 구매와 같은 큰 재정적 결정을 적절한 시기에 내리는 것은 장기적인 부를 위해 매우 중요합니다.

모든 재정적 결정에는 기회 비용이 발생하며, 자동차를 위해 저축하는 것은 미래의 재정적 안녕을 희생할 수 있습니다.

자동차에 지출하는 금액은 개인마다 다르므로 이러한 결정을 내릴 때는 미래를 위한 잠재적인 희생을 이해하는 것이 중요합니다.

스마트한 자동차 구매 결정하기

자동차를 구매할 때는 특히 업무상 운전을 많이 하는 경우 자신의 라이프스타일과 사용 방법을 고려하세요.

주행거리가 긴 고가의 고급차를 선택하면 차량의 가치가 급격히 떨어지고 유지비가 많이 들 수 있습니다.

대신 Toyota나 Honda와 같은 저렴한 옵션을 선택하는 것이 더 나은 가치와 수명을 제공할 수 있습니다.

많은 사람들이 고급 자동차의 불안정성을 무시하고 2~3년마다 자동차를 교체합니다.

연사는 진정한 자동차 소유의 성공은 최소 8~10년 이상 유지해야 한다고 믿습니다.

그들은 이웃들이 부와 자동차 소유에 대해 잘못 접근하고 있다고 생각하지만, 대화 중에는 조용히 있기를 선택합니다.