### 세금 이해하기: 한계 세율, 공제 및 세액 공제 이해하기

### 세금에 대한 이해: 돈과 부의 축적에 대한 이해
* 💰 세금은 모든 미국인에게 영향을 미치는 개인 금융의 기본 요소이지만, **미국인의 절반 이상이 기본적인 사항을 잘 모르는 등 많은 사람이 세금의 작동 방식에 대해 혼란스러워**하고 있습니다.
* 📊 가장 흔한 오해는 한계 세율 또는 과세 구간과 관련된 것인데, 예를 들어 **소득이 10만 달러인 독신자는 22% 구간에 속하지만 전체 소득에 대해 22%를 납부하는 것은 아닙니다.**
* 대신 한계 세율이 누진적으로 적용되어 **첫 번째 11,600달러에 10%, 다음 35,515달러에 12%, 그 이상의 소득에 대해서는 22%**만 납부하므로 실효 세율은 **17.7%가 조금 넘습니다.**
* 📝 세금 공제는 과세 대상 소득을 감소시키는데, 예를 들어 소득 10만 달러를 99,000달러로 낮추는 **1,000달러 공제**는 표준 또는 항목별 공제이며, 표준 공제는 신고 상태에 따라 고정된 금액이 적용됩니다.
* 💡 항목별 공제에는 **자선 기부금, 주 및 지방세, 모기지 이자 등**이 포함되며, 표준 공제액을 초과하는 경우 청구할 수 있습니다.
* 💵 반면 세액 공제는 납부해야 할 세금을 직접 줄여주므로 공제보다 더 강력한 효과를 발휘합니다. 예를 들어 **17,500달러의 세금 고지서에 대해 1,000달러의 세액 공제를 받으면 16,500달러로 낮아집니다.**
* 👶 자녀 세액 공제는 부모가 적격 자녀에 대한 세액 공제를 신청할 수 있는 일반적인 예로, 효과적인 세금 관리를 위해 이러한 용어를 이해하는 것이 중요하다는 점을 강조합니다.
* 🔍 자세한 내용은 money.com/resources에서 확인할 수 있으며, **세금 회피와 탈세를 구분하여 합법적으로 세금 계획**을 세우는 것이 중요합니다.

많은 미국인이 세금을 혼란스러워하지만, 효과적인 자산 형성을 위해서는 세금을 이해하는 것이 필수적입니다.

let's talk about how taxes actually work where's all your money gone Don taxes this is one of the most fundamental concepts in personal finance taxes are something that affects every American and yet most Americans they remain a complete mystery over half of all Americans said they had no idea how

taxes even work knowing what your money's doing and where it's going is crucial to your wealth building Journey I b my money you know what else is a crucial component to your wealth build building Journey subscribing to the money guys show so make sure you hit

that subscribe button and even ring the notification Bell okay let's jump right in the most common misunderstanding about how taxes work is usually around your marginal tax rate also known as your tax bracket let's say you're a single person making $100,000 that means your marginal tax

rate is 22% now you might be thinking that means you pay $22,000 of taxes or 22% of $100,000 but that's not how it works a marginal rate is actually the rate you pay on each additional dollar take a look at

the federal income tax brackets what this means is that you pay 10% on the first $11,600 of your pay every additional dollar up to 47,115 is taxed at 12% and only the dollars from 47,150 all the way up to $100,000 is

taxed at that 22% tax rate if you do the math you're actually paying $17,500 in taxes that means that your effective tax rate is just over 17.7% so when you hear people say I don't want to make any more money cuz that'll put me

into a higher tax bracket and I'll actually make less, that is completely wrong. You hate money or something. You might hear people mention tax deductions. You might also hear them talk about tax credits. Your head starts spinning. Don't worry, we're going to help you figure

this out. The Money Guys are here to help you navigate and know what all these tax terms mean. So let's clear this up: a tax deduction is a reduction in your taxable income. This means if you have a $1,000 tax deduction on your $100,000 income,

your taxable income would only be $99,000 after the deduction. One thing to note about deductions is they come really in two forms. There's the standard deduction which is based upon your filing status: single, married, and then there's itemized deductions. The standard

is something the government just gives you overall. Itemize means you have to exceed the standard and now you get to actually take every one of those deductions above and beyond that standard deduction. Mark, there are deductions you get to take even if you're claiming the standard deduction.

I'm talking about health savings account contributions. I'm talking about IRA contributions. However, I want to make sure I don't skip out on those itemized deductions when we talk about itemized deductions. We're primarily talking about charitable contributions. We're talking

about your state and local taxes that you pay as well as that mortgage interest that you're paying on your outstanding loan. Now, the next term: a tax credit is actually more powerful than a deduction. It is a reduction in the amount of taxes owed. So if your tax bill

on $100,000 income is $17,500. A $1,000 tax credit means you would actually owe $16,500 in taxes. A common example of this is the child tax credit where parents or guardians can claim a tax credit for their child if they're under

17, have a Social Security number and are claimed as a dependent on the taxpayer's return. It is very important to remember all of this should be done honestly and legally. Tax avoidance is legal, tax evasion is not. If you want a more comprehensive guide on the ins and outs

of taxes, I want to encourage you to go to money.com/resources. We update our tax guide every year to keep you on the right track. Make sure you check out that resource and all the other free resources at money.com. And also make sure you like

and subscribe to the content so you can own your financial future that much sooner. [Music]

Do You Know THIS About Taxes?

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The Money Guy Show

Understanding Basic Tax Concepts and Marginal Tax Rates

Many Americans misunderstand how taxes work.

Understanding taxes is crucial for wealth building.

A common misunderstanding is about marginal tax rates (tax brackets).

Marginal rate is the rate on each additional dollar earned, not the overall rate.

Example:  A $100,000 income doesn't mean paying 22% of the entire amount.

Moving to a higher bracket doesn't automatically mean less money.

Deductions include standard and itemized deductions.

Some deductions are available even with the standard deduction (HSA, IRA contributions).

Itemized deductions include charitable contributions, state/local taxes, and mortgage interest.

A tax credit directly reduces the amount of taxes owed (more powerful than a deduction).

Legal and Ethical Considerations and Further Resources

Tax avoidance is legal; tax evasion is not.

More comprehensive tax guides are available at money.com/resources.