부업 수입 극대화하기: 재정적 고려 사항 및 전략

### 부업 소득 극대화하기: 세금 고려 사항 및 투자 옵션
* 💸 부업 소득에는 **소득세, 자영업세(FICA 및 메디케어), 주 세금** 등이 적용되므로 이러한 부채를 위해 일정 부분을 따로 마련해 두는 것이 중요합니다.
* 📝 부업 소득을 위한 솔로 401(k) 계좌를 개설하여 과세이연 납입과 잠재적인 절세를 고려하세요. 단, **추가 보고 요건을 유발하는 $250,000의 한도**에 유의하세요.
* 🏦 고용주가 후원하는 401(k)의 한도를 이미 초과한 경우에도 이익 공유 부분에 대해 **솔로 401(k)에 계속 적립**할 수 있지만 연간 한도 **$23,000는 모든 401(k) 계좌에 적용**됩니다.
* 📈 또 다른 옵션은 세금 우대 계좌를 충분히 활용할 수 없는 경우 **일반 브로커 계좌에 투자**하는 것입니다.
* 💰 브로커리지 계좌에 **저비용 인덱스 펀드로 다각화된 투자 포트폴리오**를 구축하면 향후 기회를 위한 유연성과 유동성을 확보할 수 있습니다.
* 📆 " 이것은 시간만큼이나 오래된 이야기입니다. 누군가가 부업을 시작하고 부업을 하다가 갑자기 해가 바뀌면 **'세상에, 돈이 너무 많이 모였어'**라고 생각하죠.
* 📊 " 이제 직원을 두지 않고 자기 인식만 잘한다면 **혼자서도 401k를 운영**할 수 있습니다.

보수가 좋은 부업이 있다면 세금 계산을 우선시하고 자영업자 저축 계좌나 세후 중개 계좌에 투자하는 것을 고려해야 합니다.

[Music] Zachary says, My wife recently got a well-paying side gig similar to her W2 income. Where is the best place that we can put this extra cash? We feel like we're doing well but also feel like the dog that caught the car. You know, you guys use that analogy of chasing the car. Now what do you do once you've caught it? So do you have any advice or thoughts for Zachary and his wife to consider? Step number one, Zachary, step number one. Whenever you have a side gig that does well, don't forget about taxes. And it's not just income taxes. It's not just income taxes. Don't forget about taxes. This is a tale as old as time. Someone starts doing a side gig, side gig, all of a sudden the year hits and they're like, Holy cow, we have so much cash laying around. It's amazing. I'm going to go do this. I'm going to buy that. And I'm going to invest this. I'm put it here. And then April rolls around and their

accountant says, Okay, hey, just finished up the draft of your tax return. Here you go. You owe, I owe how much money, and I owe it to what organization. And I got to send it where in the first years of profitability. Make sure that you accounting for taxes because that can be something that forces you into a bad place where you got to make really bad decisions. Now, assuming you've done that and you've accounted for the taxes, let's talk about the fund places we get to put our money. Now, also, it's not just income taxes. Remember, you have FICA and Medicare or self-employment tax. Are all the same thing. Is that that's going to be 15.3% on top of your income taxes. Like 15.3, I thought it was like 7%. Your employer pays half. So when you are the employer and that's what you are with a side hustle, you pay both sides of it. So just make sure you don't take that into account. Now, what B's talking about the fun stuff is um, one of the great things

when you have side income and you already have, you know, this doesn't need to go to Lifestyle. Why not look into some of the self-employed savings accounts? Solo 401ks have just gotten a new life with some of the new tax legislation. They've even kind of overcome some of those benefits that seiras used to have over solos. Now you can pretty much solo 401ks rock as long as you don't have employees and as long as you're very self-aware. That once they get over $250,000, you got to. You must file 5,500 tax forms with the IRS because they seem to be lifting the penalties or making it harder if you're not complying with some of those tax guidelines. So just be very aware that the at 250 even if you roll Assets in because a lot of you guys will use Advanced strategies like trying to do back door Roth contributions by setting up having a side gig and putting money in that 250 does not take names or it doesn't take prisoners. It just

crushes you if you're not paying attention. If you do do the this, a side hustle, let's assume you got a main Hustle hustle. If your main hustle has a 401k that you participate in, recognize that even though you might have a side hustle separate income, you only get one $23,000 that you get to put in. So if you're maxing out your 401K at work, you can't do a solo 401k and do $23,000. You can only do the profit sharing portion into that solo 401K. You do not want to run afoul of those rules. So if you're in a situation where maybe you're doing that and you do the 20-25% of profit sharing, whatever the number comes out based on your structure, there's nothing wrong with just investing in a regular old after-tax brokerage account, starting to build up after-tax liquid assets utilizing low-cost index funds. It's a great place for additional cash flow to go because

that can be opportunistic money. You get to use in the future, which is so so valuable.

Where Should We Keep Extra Cash from a Side Gig?

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부업을 통한 추가 수입을 관리하는 현명한 방법

부업으로 인한 추가 수입을 관리할 때 세금의 영향을 간과해서는 안 됩니다.

세금을 고려한 후에는 재정적 안정을 위해 고수익 저축 계좌나 비상금에 돈을 넣는 것을 고려하세요.

은퇴 계좌에 투자하거나 고금리 부채를 갚는 것과 같은 장기적인 목표에 대해서도 생각해 보는 것도 중요합니다.

자영업자 401k 계좌를 통한 저축 극대화

새로운 세법 개정으로 인해 개인 401k는 이제 SEIRA의 혜택을 능가하는 더 유리한 입장이 되었습니다.

그러나 특히 소득이 25만 달러를 초과하면 벌금을 피하기 위해 IRS 지침을 준수하는 것이 중요합니다.

주된 직장에서 401k를 최대로 적립하는 경우 수익 분배 부분만 개인 401k에 적립할 수 있으므로 규정을 위반하지 않는 것이 중요합니다.

개인 401k에 불입할 수 없는 경우 세후 일반 중개 계좌에 투자하는 것도 현금 흐름을 추가로 확보할 수 있는 좋은 방법이 될 수 있습니다.

미래를 위한 비용 절감의 중요성

돈을 저축하면 미래를 위한 소중한 기회를 얻을 수 있습니다.

재정적 안정과 중요한 기회를 잡을 수 있게 해줍니다.

예상치 못한 지출이든 미래의 투자용이든, 장기적인 안정을 위해서는 돈을 절약하는 것이 중요합니다.