성인 자녀를 위한 재정 지원 결정 탐색하기

### 세대 간 부의 균형 맞추기: 성인 자녀를 지금 도울 것인가, 나중에 도울 것인가의 딜레마
* 💰 한 재무 설계사의 트윗이 **성인 자녀에게 지금 재정적으로 도움을 주는 것이 더 나은지, 아니면 나중에 돈을 상속하게 하는 것이 더 나은지**에 대한 바이러스성 토론을 촉발시켰습니다.
* 👵 이 트윗 시나리오는 편안한 노후를 위한 충분한 자금을 가진 **건강한 73세 여성이 성인 자녀에게 지금 증여하거나 나중에 상속하는 것**을 고려하는 상황을 가정했습니다.
* 👨 플래너의 조언은 특히 40대 성인 자녀와 13세 손주에게 지금 재정적 선물이 미칠 수 있는 **'궤도를 바꾸는 영향력'**을 강조했습니다.
* 💡 일반적으로 20대 후반에서 40대 초반에 이르는 재정 생활의 '어수선한 중간'은 많은 사람이 제한된 시간과 돈으로 어려움을 겪는 시기이지만, **부모님은 상당한 부를 축적**했을 수 있습니다.
* 👴 살아 있는 동안 부를 누리는 것과 부를 지속시키는 것 사이에는 균형이 있으며, **'비참한 사람'이 되거나 지나치게 관대하여 재정 건전성을 해치는 것**을 피해야 합니다.
* 👨 👩‍👧‍👦 두 가지 핵심 질문을 하는 것이 중요합니다: **"내가 도울 수 있을까?"** 그리고 **"가장 좋은 방법은 무엇일까?"** 수혜자의 현재 생활 단계와 재정적 필요를 고려하세요.
* 🔮 지금 성인 자녀를 돕는 것은 **즉각적인 이점을 얻을 수 있지만, 의존성을 조장**하고 재정적 자립을 방해할 위험이 있습니다.
* 💼 가족의 역학 관계, 개인의 상황, **장기적인 재정 목표** 등을 신중하게 고려하여 결정해야 합니다.

유산 계획 문서에서는 지금 성인 자녀에게 재정적 도움을 줄 것인지, 아니면 나중에 상속을 받을 것인지에 대한 딜레마에 대해 설명합니다.

[Music], so there was a tweet that went out, and in response to the Tweet, which we'll show you in a second, this article was released. And listen to this headline, okay Boomer, you're hoarding Your Nest Egg, but your kids need financial help now. When I will be honest when I read this headline, I had a visceral response. I was like, yeah, Boomer, what are you doing? But then we read the article, we actually went through the body, and what the article said was very different than the title that was laid out. Well, you see, they acknowledge this came from a viral expost asking whether to give your beneficiaries the money today or let them wait to inherit it, and has drawn more than 10 million views. Very important topic. Now, the rest of the story before we actually get into the subject matter and give the answers, why don't you share with the actual tweet that started this conversation. This is the tweet that led to this article headline, and it said, hey, just wrapped a client meeting. It was a female, 73, and

healthy has two adult kids aged 42 and 47. 13-year-old grandson. plenty of money for her to have a comfortable retirement. The conversation was mostly focused on Estate Planning and encouraging her to feel okay giving money to her adult kids. Now here's what I said to her: Think about life 20 years from now. You're 93 years old, your kids are in their 60s, and your grandson is 33. Then they'll inherit your money. However, at that time, everyone is fairly settled into who they are and what they will become. Now compare that with a gift today. Your kids are at a place in their lives where a financial gift can have a trajectory-altering impact. Consider the Ripple effects of removing a bit of financial stress from the parents of a 13-year-old. I'll help ensure your needs are met for the rest of your life, but if you see an opportunity to help people who matter to you, seize it. I love that, Brian. I think that's incredibly well said. No, you can tell Adam, fellow financial planner, obviously doing good.

work out there trying to help people have these hard life decisions. This is an important one, you know. We spend a lot of content talking about how hard the messy middle is. And for those of you who don't know, the messy middle is when you're typically in your late 20s all the way up to your early 40s where you've got your short on time. You're short on money because let's face it, you've got a marriage, you've got kids, you got job responsibilities. There's a lot going on that makes life really hard. Meanwhile, if you're a parent and maybe you are coming into the later parts, you're no longer working, you're retired, and you starting to analyze and look at your assets and go, man, there is a lot here. Should I help my children and we my adult children make life a little bit easier? I love the way Adam had this conversation in the Tweet. Don't love the headline that it created in the discussion, but we want to kind of jump in and give our own thoughts on how you

navigate this hard decision way yeah. It's not uncommon. A lot of very astute sound financial decision-makers find themselves in a place, and Brian, I'm going to, I'm going to steal one of your lines here. There's a difference in being a miser and being a maximizer, and a lot of financial mutants lose track of that. Well, here's what we really, really love about this tweet. At the end of the day, we really want you to enjoy your money while you're still around. The idea is not for most folks to save up all this money and then when you leave this earth, you leave it to the generations behind you. There is some balance between enjoying the fruits of your labor while you are here but also making sure that you don't enjoy them so much that you run out prematurely. Yeah, I also like that this is a good indicator or an example of being a healthy financial support for your loved ones, not the economic outpatient care that you remember in The Millionaire Next Door when they talk about traits of successful people.

one of the key traits is making sure your adult children aren't so NE to your financial life that they never stand on their own two feet, and they actually become an obligation to you, and they actually hurt your financial life. So, we like to jump in and talk about how do you do this right, because in a lot of ways we want our children, we always love our children, we want them to be the best versions of themselves, but we also want to share our success. So, how do we kind of bring these things together where everybody comes out on the other side in a healthy way. Yeah, we think that when you're thinking through this like how do I help them, what are the right ways to think about this, there are really two questions that you ought to triage right at the very front. On the Forefront of your thinking ought to be these two questions. Number one, can I help? We'll dive into like what that means, how do you assess can I help, and number two, what's the best way to help, because

frankly, there are a number of different ways, and your kids are different people at different stages in your life. It looks very different when your children are 18, versus when your children are 48. By the time your kids get in their 40s, there's likely a chance they've already become the people that they will be. So, you have to triage and assess what is the best way for me to help where they are in their current Journey.

Financial Advisors React to Tweet: Are Boomers Hoarding Nest Eggs?

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붐 세대를 위한 재정 지원에 대한 오해의 소지가 있는 기사 제목

이 기사의 헤드라인은 부유층이 재산을 축적하는 것을 비판하고 있지만, 실제로는 수혜자에게 일찍 재정적 도움을 주는 것이 미치는 영향에 대해 논의하고 있습니다.

이 대화는 성인 자녀와 손자가 있는 73세 여성의 유산 계획에 대한 바이럴 게시물에서 촉발되었으며, 가족 구성원에게 조기에 돈을 증여하는 것이 미치는 잠재적 영향을 강조하고 있습니다.

이 문제에 대한 한 재무 설계사의 관점도 공유되어 사랑하는 사람에게 재정적 지원을 제공하는 것의 긍정적인 효과를 강조했습니다.

성인 자녀 부양에 대한 재정적 결정 탐색하기

일반적으로 20대 후반에서 40대 초반의 '어수선한 중년' 시기에는 다양한 책임으로 인해 시간과 금전적인 어려움을 겪게 됩니다.

많은 사람들이 자신의 부를 누리는 것과 성인 자녀에게 재정적 지원을 제공하는 것 사이에서 균형을 찾는 데 어려움을 겪습니다.

자신의 재정적 안정을 위태롭게 하지 않으면서도 사랑하는 사람들을 위한 건강한 재정 지원 시스템이 될 수 있도록 이 결정을 신중하게 내리는 것이 중요합니다.

성인 자녀를 위한 균형 잡힌 재정 지원

성인 자녀가 경제적 부담이 되지 않고 스스로 자립할 수 있도록 하는 것이 중요합니다.

자녀를 도울 방법을 고려할 때는 다음과 같은 핵심 질문을 던져야 합니다: "내가 도울 수 있는가?", "도울 수 있는 최선의 방법은 무엇인가?"입니다.

이러한 접근 방식을 통해 자녀를 지원하는 것과 자녀의 재정적 자립을 도모하는 것 사이의 균형을 맞출 수 있습니다.

다양한 생애 단계에 따른 자녀 지원

자녀의 필요와 단계는 나이가 들어감에 따라 크게 변화하며 다양한 형태의 지원이 필요합니다.

자녀가 40대가 되면 자신의 정체성을 확립했을 가능성이 높기 때문에 어떤 도움을 제공하는 것이 가장 좋은지 평가하는 것이 중요합니다.

자녀가 18세든 48세든 현재 자녀의 여정에서 어디에 있는지 분류하고 그에 맞게 조정하는 것이 중요합니다.