0% 이자의 가족 대출을 우선적으로 갚아야 하나요?

### 가족 대출 탐색하기: 24,000달러의 부채를 0% 이자로 갚기 위한 전략
* 💰 24,000달러의 가계 부채를 0% 이자로 갚는다는 것은 감사와 책임감을 가지고 접근해야 하는 특별한 기회일 수 있습니다.
* 🤝 대출의 목적이 증여인지 대출인지 명확히 하는 것이 중요한데, 이러한 구분은 상환 전략과 의무에 영향을 미치기 때문입니다.
* 🗓 3년, 5년, 10년 등 합리적인 상환 일정을 설정하면 가족 구성원들과 건강한 의사소통을 유지하는 데 도움이 됩니다.
* 💡 부채를 빨리 갚고 싶은 유혹이 있을 수 있지만, 은퇴 계좌나 비상금 적립과 같은 다른 재정적 우선순위와 상환의 균형을 맞추는 것이 좋습니다.
* 🔍 가족의 관대함을 이용하면 관계가 긴장될 수 있으므로 가족으로부터 빌리는 것과 관련된 사회적 계약에 대해 생각해 보세요.
* 💬 "누군가에게 돈을 빌려주려면 그 돈을 돌려받지 못할 것이라고 가정하세요."라는 마음가짐은 가족 간의 역학 관계에 실망하는 일이 없도록 하는 신중한 사고방식입니다.
* 🚫 특히 이전에 도움이 필요하다는 의사를 밝힌 적이 있다면 자신의 재정적 결정이 가족에게 어떻게 비춰질지 주의하세요.
* 📈 궁극적으로 자신의 재정 능력과 가족의 기대에 부합하는 체계적인 상환 계획을 수립하면 신뢰와 존중을 쌓을 수 있습니다.

0% 이자의 가족 대출은 대출자의 관대함과 대출자의 재정 상황을 모두 고려하여 책임감 있게 상환해야 합니다.

Do you believe in paying off a $24,000 family debt at 0% interest as quickly as possible? We can pay what we want each month, but feel short-term struggle for a quicker way to freedom is the way. But what are your thoughts? Do you even…

…paying off a $24,000 family debt at 0% quickly? We want to pay each month, but feel short-term struggle for quicker freedom. Okay, so I'm… I've got to make a bunch of assumptions here, right? I've got to make assumptions that you borrowed some

money from family. Uh, maybe this is parents, maybe it's grandparents, and they were in a position where they said, “Hey, I'm going to give you 0%.” One, I think that's incredible, assuming this was something where, like, it was an opportunity. “Hey, I need to go out and I'm

going to go buy my first car and I've got to borrow money, and I'm going to follow 238, and the auto dealership told me that my first auto loan is going to be 8.5%, and Mom and Dad, or Aunt and Uncle, or Grandma and Grandpa said, “Hey,

you know what? We will loan you the money. We'll loan you $24,000. You pay us back and we're going to do 0%.” If you come from a situation like that, I am not of the opinion that you should feel guilty or feel bad or think that that's, like, a

negative thing. I think it's wonderful that you just happen to have the opportunity where that's available to you. What you have to do is you have to recognize the benefit of the opportunity that you have, but also the responsibility of the… of the… uh, social…

contract that you've entered into because yeah, if you're thinking about mathematical optimization, okay great, I've got this $24,000 loan, I'll just never pay it back and it's 0% interest forever and it'll just sit out there. I think that

that would be taking advantage of an opportunity that presented to you. So what I would love to see you do is, I would love to see, because again it depends on the type of debt, depends on your financial situation, I would want for you to find a reasonable method and

mechanism to pay it off over a timeline that makes sense for you as well as the lender. So if it's like 3 years, 5 years, 10 years, I don't, I don't know. Again, I don't know your situation or the

specifics of this. Because what I don't want to see you do is, because it is 0%, I don't know that I want to see you focusing on paying off this debt as quickly as possible to knock it out instead of doing things like getting

your employer match, instead of doing things like putting money in a Roth IRA, instead of doing things like an HSA. But I also don't want to see you taking advantage of a generous family member simply because you can. There's some, there's some tension there in the middle

that you'll have to figure out. Agree, disagree? Want to fight? Well, I remember when I was taking legal studies in accounting. I love that I had to take two, I'm old, so quarters of legal studies as an accountant. One of the first things

or one of the curious things I learned was that in law, love is consideration when it comes to family members. So, and we know that our parents love us and they'll do anything for us. And sometimes that creates where there's unclear expectations or communication on what is expected, and I

and I've shared, you know, in Millionaire Mission, I share, um, cash is such a valuable thing in the financial order of operations that, um, if I could have had another hand, I'd hold up even more stuff. But it's, um, that it actually gets two steps in the financial order of

operations, both step one and four. And I even detailed, my knowledge comes a lot of times from also experience in the struggle. And I got to a point when, when I was first starting to, to do the adult thing, that I, I, I really screwed up with

credit cards and some other stuff. And I had to call my parents, and they, they lent me some money. And then when I went to go pay them back, they're like, "Don't worry about it." Um, and I remember, no, it was a principled thing for me

because I was down and desperate, and I felt like I had not closed the loop on my change, on becoming a different person with the way I viewed this, that I, I, I forced the issue of paying them back the, the few hundred bucks. Now, your situation's a little different,

Craig, is that you're talking about $24,000. Sounds significant, but, but here's the thing where, and, and you need to go revise this if this was not set up on the front end, is that anytime you're doing these family engagements, I would

First, design a plan of success. Meaning, on the front end, what are the assumptions and expectations from both parties? Meaning, did you all have a five-year plan? Did you have a seven-year plan? Did you have even a 10-year plan when you were doing this?

stuff for a loved one. Tell them there's nothing wrong with helping out loved ones, but put it on the front end what your expectation is. Now, if your parents said, "Hey, we're going to do this. This is a tax strategy because it's slightly beyond what the annual gift tax

exclusion is. We're going to give you this money, and then we'll slowly forgive it." That's a completely different thing. But if you feel like there was this desire, this was not a gift, this truly was a loan, you need to go back and

maybe revisit that conversation with your parents, or whatever family member worked this out. And then, assuming you now have the steps, or the assumptions set up of what their anticipation is on when you should pay this back, if you now get to steps

eight and nine of the financial waterfall of operations, a 0% interest rate is a low interest rate by all means. I think you pay this thing back even ahead of schedule of what they're anticipating getting that money back. Um, but you've got to go through those several

determination steps. Was this a gift, or is this a loan? Because those are very distinct, different things. Also, set yourself up a plan of success. Know what they're anticipating and expecting, and then treat this like, you know, a step eight or nine type thing where you are

going to prepay it. I mean, pay it back because it's a low interest rate and that's your obligation. Can I, um, can I do like a little soapboxy thing? Yeah, this is unsolicited advice, but I'm going to give it to you anyways because I know

you and I have both run into this where, you know, there have been people, uh, in our lives at some point where they've been in a spot and they needed to borrow some money, right? Right. And we were in a place where we were able to do

that. And that's fine. First thing, if you're ever going to let someone borrow money, family member or otherwise, in my estimation, it's always a good idea to assume you're never going to get that money back. Like, when you go into it, don't go into it with any preconceived

notions. Because what will happen is, is something goes squirrely, it gets, like, it can get real nasty, especially when it's with family. But have you ever seen this happen? Somebody borrowed money and they're like, "We're in a tight spot," and they need to pay back. But then, all of a

sudden they just start making financial decisions and you're like, "Whoa, whoa, whoa, whoa, hold on, hold on, hold on. Wait, wait, wait, wait, wait, wait, wait, wait. You were in a tight spot. Now things are better." And then you went and bought the

new car, and then you went on the trip, or then you took the vacation. And, like, and you're just, you just want to be mindful of that. If this loan originated out of a place of need that you were in, and now you're no longer in that place of need, I

Do you think it's reasonable to honor the folks that lent you the money and don't just start, like, whining? You know, is that... I think that's a very... 'cause that's something I... especially if this came from an ask of need, it's because I have

experienced that, where you help somebody out with the anticipation that this is not a gift, this is a loan. Um, because I get it, the economy stinks right now. I don't want you to lose that vehicle. I don't want you to put your family through this.

I can help you out. And then it is amazing that, you know, better days start coming and... and I know this is... I think the person who's struggling, you look at the person that gave you money like they're... they're doing good. They don't

need the money. They don't need the money back. But it's back to the behavioral things, and I'm glad you brought that up, is because it's true. If you got this out of need and now you're starting to do some extras, you know, that are visibly

publicly visible, um, you might need to revisit that. Because I... I've experienced that. And then, you know, one of the worst things, even though you're right, Bo, it is... you probably don't want to do this with loved ones or family unless you're

considering it a gift. But it does break your heart when you see that they... that even though they came to you in need and they... they treated... they called it a loan and said without a doubt, "I'm going to pay you back," and then they... they basically ignore paying you back.

I Owe My Family Thousands

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한 시청자가 24,000달러의 0% 이자 가계 대출을 빨리 상환하는 방법에 대해 조언을 구하며 다른 재정 목표에 우선순위를 두는 것이 더 현명한 방법인지 질문합니다.

호스트는 시청자의 상황을 인지하고 대출 출처에 대해 부모나 조부모일 가능성이 높다고 가정합니다.

호스트는 특히 0% 대출이 자동차 대출과 같은 고금리 대안을 피하는 데 도움이 되었다며 이 가족의 관대함을 칭찬합니다.

호스트는 기회를 인정하면서도 대출금 상환의 책임을 강조하여 가족의 친절을 악용하는 것을 막습니다.

호스트는 3년, 5년 또는 10년의 기간을 고려하여 대출자와 대출자의 요구를 모두 존중하는 합리적인 상환 계획을 찾도록 조언합니다.

호스트는 가족을 이용하지 않고 고용주 매칭, Roth IRA, HSA 적립금과 같은 다른 재정적 우선순위와 대출 상환의 균형을 맞출 것을 제안합니다.

토론은 가족 대출의 법적, 정서적 측면으로 옮겨가면서 명확한 의사소통과 기대치의 중요성을 강조합니다.

진행자는 가족 문제에서 '배려로서의 사랑'이라는 법적 개념을 언급하며 기대치의 모호함을 강조합니다.

현금의 가치와 용서가 제공되더라도 가족 대출금을 상환하는 것이 중요하다는 개인적인 일화를 공유합니다.

호스트는 특히 처음에 상환 계획이 수립되지 않은 경우 대출 계약서를 다시 검토하여 기대치와 일정을 명확히 할 것을 권장합니다.

대출이 위장 증여 또는 세금 전략의 일부일 가능성을 고려하는 것과 함께 명확한 상환 계획의 중요성을 다시 한 번 강조합니다.

대출이 가족 세금 전략의 일부이거나 느린 증여 면제 계획과 같은 다양한 시나리오가 논의됩니다.

호스트는 대출인지 증여인지 명확히 한 후 이자율이 낮기 때문에 상환 우선순위를 정할 것을 권장합니다.

대화는 가족이나 친구에게 돈을 빌려주는 일반적인 주제로 확대되어 상환을 가정하고 빌린 후의 잠재적인 행동 변화를 강조합니다.

호스트는 특히 가족 내에서 발생할 수 있는 향후 문제를 방지하기 위해 대출 시 미상환을 가정할 것을 제안합니다.

이 토론에서는 대출자가 처음에는 재정적 어려움으로 인해 대출을 요청했더라도 대출을 받은 후 비필수적인 지출을 우선시할 수 있는 가능성에 대해 다룹니다.