은퇴 모기지 결정: 부채 상환 시 고려 사항

### 은퇴를 위한 모기지 결정 평가하기: 집을 갚아야 할까요?
* 🏡 트로이의 아버지는 은퇴 전에 **2.5%의 낮은 이자율로 25만 달러의 모기지를 상환**할지, 아니면 그 대신 투자한 돈을 계속 유지할지 고민하고 있습니다.
* 💭 개인 재정을 따로 떼어놓고 보면 안 되므로 **이자율 이외의 요소**를 고려하는 것이 중요합니다.
* 📉 이상적인 시나리오는 **빚 없이 은퇴하는 것**이지만, 현실은 트로이의 아버지를 포함한 많은 사람들이 각자의 재정 상황에 맞게 대처해야 할 수도 있습니다.
* 💰 모기지 상환과 트로이 아버지의 전체 현금 흐름 및 은퇴 후 지출과의 관계는 **정보에 입각한 결정을 내리는 데 필수적**입니다.
* 🧾 트로이의 아버지가 상당한 저축을 하고 있는 경우, **모기지 상환을 위해 큰 금액을 인출**하는 것은 잠재적인 세금 문제로 인해 현명하지 않을 수 있습니다.
* 📈 특히 모기지 이자가 낮고 투자 수익률이 높은 경우 **모기지를 갚을 수 있는 능력**이 있다는 것은 빚이 없는 것만큼이나 가치가 있을 수 있습니다.
* 🔄 특히 은퇴 후 이사나 새 주택 구입 계획이 있는 경우 **재정적 결정의 타이밍과 의도**는 매우 중요합니다.
* ⏳ 궁극적으로는 **부채 없는 은퇴에 대한 열망**과 현재와 미래의 현금 흐름 요구를 모두 고려한 전략적 재무 계획의 균형을 맞추는 것입니다.

트로이의 아버지는 모기지 상환 여부를 결정하기 전에 전반적인 재정 상황을 고려해야 합니다.

[Music] Got a great question to kick us off and talk about this topic from Troy. He says, My dad is set to retire soon but isn't sure he should pay off the house first with 250k left at 2.5%. He wants to keep the money invested. Is there something besides that 2.5% interest rate that he should consider? What do you guys think? So, let me answer the second part of the question first. Is there something to consider other than the interest? Of course, absolutely. When it comes to personal finances, you don't want to ever look at anything in a vacuum, so there are other things to consider. But I like the way the beginning of the question started, Brian. I want to know your answer to this question. Is it okay to retire with a mortgage? Yes or no? Look, the ideal is no. Yes or well, no, but here's the ideal, is that you want to retire debt-free 'cause it's hard to say you are financially independent while you're sitting there walking around with an

obligation, but that's one of those things in theory or on paper that is the ideal, but we all know, and this is where the personal finance comes in, it depends. And Troy did give us some context there. I will tell you that 2 and a half%. I resemble that. I'm struggling with that. But now the difference between me and Troy's father, though, is that I'm not actually trying to say I'm retired. I'm far from that. But um, I will tell you this is not one that would freak me out. We'd still need some additional context or, or, or, you know, context in the fact of, I don't know, is 250 a small part of Troy's father's net worth? I don't know if what the mortgage payment is in relationship to what Troy's father's cash flow or expenses are in retirement. All these things matter. But definitely the 22% will have an impact 'cause we'll try to figure out from an incremental decision-making what's the next thing to do with your, your, your

next dollar and but I I I would need a little bit more information but ultimately I don't I don't I'm not panicked about the 250 at 2 and a half% but I also don't want somebody like going and taking a new mortgage out at 6 or 7% at retirement. That would freak me out as well. Yeah, I mean, let's think about this. Let's say that Troy's father is at Financial Independence and he has a couple of million dollars saved up. If all of that money were in retirement accounts or in 401ks and Ira and pre-tax accounts, would Our advice be, Hey, what you need to do is you need to take a giant distribution, the $250,000 plus the taxes, and do that to then go satisfy that mortgage? I don't think that that would be incredibly prudent. You're going to have a huge tax bill to do that. So, one of the things that I always like to say is that being debt-free in retirement is awesome, but in my opinion

You know what's just as cool as being debt-free? Having the ability to be debt-free. Because even if Troy's dad has a couple million dollars and he's financially independent, and even if a lot of it is after tax right now where we exist in our present state, he's got a 2 and a half percent mortgage and money just sitting in a savings account. Just sitting in a high-yield account right now can make 5%. So I don't think if that's the circumstance that Troy's dad is in. I think if you have the ability to write a check to pay off the mortgage, in my mind, that counts as unencumbered even though that mortgage still exists. Well, but I think it's also intent of the plan. If there's a big difference if Troy's father was going out and this is the point I was trying to make earlier and was about to approach retirement, but he also knew he had to relocate to a different part of the country or he was

you know buying his retirement home somewhere else. I don't know that I love somebody starting a brand new 15 or 30-year mortgage right as you're at retirement 'cause that seems very encumbering to me. However, somebody who's seven or eight years into a 15-year mortgage, and it just so happens that their retirement plan has this 2.5% mortgage at $250,000, and it's a small percentage of their cash flow. When you're trying to, when I do a financial plan, and I'm trying to figure out, does it make sense to extinguish that immediately, or should we do something maybe that's a little more dynamic? Because think about this: while the Federal Reserve is not going to keep interest rates this high forever, so while there's this arbitrage situation that you mentioned where you can make 5% of your cash versus the 2.5%, okay, let's not prepay it super fast because it's a short part of the plan, but then as soon as the

crossover Point occurs where now you're paying more in interest. The 2 and a half % that you make on your cash will accelerate paying it back, but it's all within this small plan, this time period of time. That's the big part of this, is what's the intent, what's the plan, how does it fit into your cash flow. And I, but I don't want people having debt in retirement, but I also am not going to say pay it off yesterday when maybe your plan has you pay it off in the first 3 to 5 years of retirement. Love it.

My Dad Is Retiring and Doesn’t Want to Pay Off His $250,000 Mortgage

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트로이의 아버지는 은퇴 전에 25만 달러의 모기지를 2.

5% 이자율로 갚을 수 있을지 확신이 서지 않습니다.

개인 재정을 진공 상태에서 보면 안 되므로 이자율 이외의 요소를 고려하는 것이 중요합니다.

이상적으로는 부채 없이 은퇴하는 것이 바람직하지만, 궁극적으로 개인의 전반적인 재무 상황과 은퇴 후 현금 흐름에 따라 결정이 달라집니다.

은퇴 후 부채 및 재정적 독립성 관리하기

200만 달러를 저축한 트로이의 아버지는 재정적으로 독립했지만 2.

모기지를 갚기 위해 퇴직금 계좌에서 큰 금액을 인출하는 것은 세금 문제 때문에 현명하지 않을 수 있습니다.

모기지가 있더라도 부채가 없는 상태를 유지하는 것은 완전히 부채가 없는 것만큼이나 가치가 있을 수 있습니다.

은퇴 중에 새로운 장기 모기지를 시작하는 것은 부담스러울 수 있지만 현금 흐름에 미치는 영향이 적은 저금리 모기지는 관리가 가능할 수 있습니다.

재무 계획은 이자율의 역동적인 특성과 현금 흐름과 모기지 금리 간의 차익거래 가능성을 고려해야 합니다.

특히 모기지가 은퇴 계획의 단기적인 부분인 경우 모기지 상환에 점진적으로 접근하는 것이 더 효과적일 수 있습니다.

크로스오버 포인트는 이자 지급액이 현금 수입을 초과할 때 발생합니다.

5%의 현금 수익률은 단기간 내에 부채 상환을 가속화하는 데 도움이 될 수 있습니다.

은퇴 후 부채를 관리하기 위한 명확한 계획을 세우고 처음 3년에서 5년 이내에 부채를 갚는 데 초점을 맞추는 것이 중요합니다.