젊은 성인을 위한 저축 습관과 금융 마인드

### 저축과 생활의 균형 맞추기: 19세 청년의 금융 여정
* 💰 19살에 이미 **여름 수입의 6%를 저축**하고 있다는 사실이 인상적인데, 이는 장기적으로 도움이 되는 훌륭한 습관입니다.
* 🎓 **25%가 권장되는 경우**가 많지만, 특히 새 학기를 준비하면서 대학 재학 중에는 얼마든지 저축하는 것이 좋습니다.
* 📝 moneyguy.com의 자산 승수 도구를 사용하여 **현재 저축액이 65세가 될 때까지 어떻게 증가**할 수 있는지 시각화해 보면 상당히 깨달음을 얻을 수 있습니다.
* 🤔 행복을 희생하지 않고 재정적 잠재력을 극대화하는 것이 목표이므로 **재정적 책임감과 '재정적 비참함'을 구분**하는 것이 중요합니다.
* 📊 19살의 삶을 되돌아보고 절약 습관이 인간관계나 경험에 부정적인 영향을 미치고 있는지 평가하고, 그렇지 않다면 **자신감을 가지고 계속 나아가세요.**
* 💡 미국인의 약 60%가 비상시를 대비해 **1,000달러도 저축하지 못한다**고 하니, 여러분의 노력은 이미 앞서가고 있는 셈입니다.
* ⚖ 절약과 경험은 모두 만족스러운 삶에 기여하므로 나중에 후회하지 않도록 **절약과 삶의 즐거움 사이의 균형**을 맞추기 위해 노력하세요.
* 📚 궁극적으로 올바른 마음가짐과 건전한 재정 관행을 결합하여 **현재의 행복과 미래의 안전**에 초점을 맞춰 여정을 효과적으로 탐색하세요.

19세에 6%를 저축하면 미래를 위한 훌륭한 재정 습관을 기를 수 있지만, 의미 있는 인생 경험과 균형을 맞춰야 합니다.

[Music] all right, you ready for the next question? Yes, ma'am. Got another one queued up here from psil. It says, Hey, I'm almost 19 and going through college. I'm saving 6% of my summer earnings, but I'm unable to save during the school year. Should I try to save more despite my friends and family starting to say I'm miserly? So, I mean, he's on the edge here, and I feel like you two are the perfect people to speak to this. So, what do you have to say? 19, summer job, saving 6%. That is so awesome. I love, yeah, we, you hear us talk about 25%, and that's amazing, but man, you're still like, you're still in student phase. You haven't even made it to like, and look, you're 19, so you're an adult. I get that, but like, you haven't made it to like, adult phase yet, and you're already practicing the behaviors that are going to play out so well for you in the future. Don't be

upset with yourself. Don't fight yourself, especially if what you're doing is you're working over the summer so that you can pay for the school year. I have a lot of friends who had to do that same thing. That's okay; that's the season of life that you're supposed to be in. Just the fact that you're saving 6% is amazing. If you haven't done this, I want you to go to moneyguy.com, and I want you to check out a wealth multiplier tool, and I want you to type in whatever that 6% was. Type that in and see what your wealth multiplier at age 19 is, and see what just that 6% is going to turn into by the time that you get to 65, and it's going to blow your mind. I think that's awesome. Right now, you are building an excellent habit that will carry you through the rest of your life, so long as you don't let it flip to the dark side. That's right; that's what I was exactly. That's a great segue. I want to make

Sure, you're a financial mute, not a financial miser, 'cause we're maximizers, we're not misers. And so, I want to, I have a challenge for you. I want you to kind of sit down, you know, pen to paper or spreadsheet, 'cause you're older than me, or younger than me, I should say, so I'm the one using pen and paper. But, um, I want you to take an inventory of your life and really think about, seriously, at 19, are there any key, like, you have regrets or memories that aren't being made? Are you not getting invited out because everybody thinks you're a complete tightwad? Are you doing any behaviors that are detrimental to your happiness and relationships? That's really the key, the key indicator. If the answer is no, I'm living my best life, I'm happy, I'm making memories. Because don't be surprised, even doing good behaviors like saving 6% of your summer earnings, some people are going to scoff at that.

because it's just so unusual to be disciplined with money. Remember, every year, bank rate comes out with the data of 60. It's right around 60%. I think this year, it's 57% or 56, close to 60% of Americans can come up with $1,000 for an emergency, not PS. So, you can quickly see that the majority of Americans walking the streets, they think that any type of savings is probably more than what they're doing. So, don't be surprised if you get a little pushback, but you do have to know yourself. It's nothing wrong with getting pushback, but be honest with yourself. If you start with your loved ones and people that you care about, the relationships, and even your own happiness factor of building memories by each decade, because you're only going to be a teen for so many years, you're only going to be in your 20s for that 10 years. You don't want to have regrets when you get to your 40s and you

know that's why I did an interview yesterday, and they brought up Die with Zero, you know, and what that book pushes is that for a lot of successful people, you get to your 40s and 50s, and you're like, What was I so worried about when I was younger? The thing I always question is what are the behaviors of the moments that create success. When I look at my own life, I don't know if it was the super discipline in my early 20s or was it taking this risk here. I think they all kind of go together to a life well-lived. The balance is somewhere; it's not the extreme of, you know, Die with Zero. It's not the extreme of Dave telling you not to do anything until all the debts paid off. I think that the real answer and the maximized answer is right in between, and that's what we've tried to load you up. We give you all the math, but we also give you

the mindset and be honest with yourself. PSI style and make sure you have that mindset down with the math.

Friends and Family Say I’m Becoming Miserly as a 19-Year-Old!

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19세 대학생이 여름 수입의 6%를 저축하고 있지만 학기 중에는 저축에 어려움을 겪고 있습니다.

연사는 학생의 저축 노력을 칭찬하고 자산 승수 도구를 사용하여 저축의 장기적인 영향을 확인하도록 권장합니다.

그들은 어릴 때부터 좋은 재정 습관을 기르는 것이 중요하다는 점을 강조하고 학생에게 올바른 길을 가고 있다고 안심시킵니다.

재정 습관과 삶의 선택에 대한 성찰

19세에는 후회하거나 놓친 추억이 없는지 자신의 삶을 평가하고, 재정 습관이 인간관계와 행복에 어떤 영향을 미치는지 생각해보는 것이 중요합니다.

적은 금액이라도 돈을 절약하면 다른 사람들로부터 비난을 받을 수 있지만, 절제하고 자신에게 진실한 태도를 유지하는 것이 중요합니다.

10대와 20대에 의미 있는 관계를 구축하고 추억을 쌓는 것은 미래의 후회를 피하기 위해 매우 중요합니다.

책 '0으로 죽어라'는 성공한 사람들이 40~50대가 되어서야 젊은 시절의 걱정이 근거 없는 것이었다는 사실을 깨닫는 경우가 많다고 말합니다.

화자는 자신의 삶을 되돌아보며 성공으로 이끈 행동에 의문을 제기하고 균형의 중요성을 강조합니다.

그들은 잘 사는 삶의 열쇠는 극단적인 규율과 위험을 감수하는 것 사이에 있다고 믿으며, 그들의 지침을 통해 균형 잡힌 접근 방식을 제공하는 것을 목표로 합니다.

PSI 스타일에서 마음가짐과 자기 정직의 중요성

올바른 마음가짐을 갖고 자신에게 정직해지는 것은 성공을 위해 매우 중요합니다.

목표의 수학적 측면에 맞게 사고방식을 조정하는 것이 중요합니다.

이러한 접근 방식을 수용하면 더 나은 의사 결정과 전반적인 성취로 이어질 수 있습니다.