재정 운영 순서: 9단계 이후의 목표와 펀 머니

### 운영의 재정적 질서: 9단계 이상의 목표와 펀 머니의 중요성
* 💰 돈은 목표가 아니라 도구이며, **재정 운영 질서를 완성한 후에 진정으로 중요한 것**을 성취할 수 있도록 도와줍니다.
* 🎯 9단계 이후의 목표에는 **유산 구축, 자선 단체 지원, 새로운 모험 경험** 등이 포함될 수 있습니다.
* 🎉 지속적인 추억과 행복을 만들기 위해서는 **9단계뿐만 아니라 여정 전반에 걸쳐 펀 머니**를 활용해야 합니다.
* 📈 다섯 가지 부의 수준(**안정성, 전략, 보안, 재정적 독립, 풍요**)은 장기적인 재정적, 개인적 성취를 위한 프레임워크를 제공합니다.
* 😊 사랑하는 사람들과 시간을 보내고 간단한 활동에 참여하는 것만으로도 **가장 큰 기쁨**을 얻을 수 있기 때문에 행복은 꼭 값비싼 것이 아니어도 됩니다.
* 👨 가족이 함께 요리하거나 식료품 쇼핑을 하는 등의 개인적인 경험은 **값비싼 외출보다 더 의미 있는 시간**이 될 수 있습니다.
* 💡 자신의 가치와 목적을 이해하는 것은 재정적 자원과 무관하게 **오래 지속되는 행복의 핵심**입니다.
* 👶 연사는 아이들과 함께 시간을 보내면서 예상치 못한 기쁨을 발견한 개인적인 일화를 공유하며 **부모와 자녀의 특별한 유대감**을 강조합니다.

재정 운영의 9단계 이후에는 레거시 구축부터 자선 지원까지 목표가 다양해져 자유롭게 선택할 수 있습니다.

[Music] All right, Mr. Bobman 882 is going to kick us off today. The question says, What are the goals after Step nine of the financial order of operations? Also, what step can you consider fun money, and is it Step nine? So I love this. So what are the goals after Step nine? Here's what I think is great. Money is not a goal. Money is a tool that allows us to achieve the goals that we have, to do the things that we want to do, to experience life in the way that we want to experience it. So for your question around what are my goals after Step n, they're whatever you want them to be. That's what's so beautiful. We have some folks who, they get past Step nine, and they want to start thinking about Legacy. They want to think about how can I build up something for my children. Or I am charitably minded. I want to figure out how I can use my resources to support organizations that I care about. Or people just say, Hey, I want to go experience the world around me. I want to

go travel and see all these different things and do the stuff that I've never been able to do before. What's beautiful is there's no right or wrong answer to that. If you've done all the stuff that you're supposed to do with money, it should free you up. That then you get to use your money to do the things that truly and ultimately matter to you. Now, what I think is great, and I think this is really where Bob man's question's coming from, Brian. He said, well, at what step is fun money? Does that mean I don't get to like enjoy stuff before step nine? Do I get to have any fun before step nine? How should Bob man think about that? Yeah, I when I heard this, there was two big things going on in this question. First of all, you should always be creating fun in your life. There's a reason I talk about bedazzled basic life and still creating blossoming memories even when you're in those aspirational or you can read through the

lines poor periods of your life. I want you to bank memories, and I want you to actually use some of your resources to create those fun memories and those bedazzled basic things. But I think what then he threw a curveball in there Bob man did by talking about post-Step n, and a lot of people, especially if you've read Millionaire Mission, I think you know what the answer is on this is that I if I take you I took you through the Journey of steps 1 through n of the financial order of operations, but then the latter part, the last two chapters of the book, really started focusing on who you are and what your money can and cannot do for you, and this also ties into that show we do every year where we talk about the five levels of wealth, and if just to bring you up to speed, I'd encourage you go look into this show. But you have stability, that's where can you get to the, you know where you can afford your life, where you have $1,000 because that

puts you better than 60% of Americans out there. Then you get into the strategy where you're actually letting your money do the work for you. Then you get to security. This is where now you're starting to get where you don't sweat the small stuff. You don't worry about going out to eat. Your money's actually working for you. And then you get to financial Independence. This is what most people aspire to where they're just hoping they have enough resources that they now can buy their time and do what they want when they want how they want. And then the last step is of course abundance. And this is that intersection point where you not it's not about doing what you want when you want how you want. It's actually knowing what to Value. You're comfortable in your own skin and you know who you are and you know what you're not. And then you also understand where that intersection of purpose uh works with your money so you really are building that abundance level. That's where I would tell Bob is that you know

use the steps one through nine of the financial order of operations to optimize what to do with your next dollar. But then spend some time on where you want to be that back to that begin with the end in mind. And look at the five levels of wealth that kind of know what your next step is and what Legacy and what the why is on every dollar that comes into your control. And I'm curious in your experience have you found this to be true that a lot of the things that are the most fun some of the things that you enjoy the most don't tend to have to be the most expensive things. So like we think about oh I want to allocate some fun money into my budget so that I can travel or do this or do that it's not uncommon that even like your Baseline living expenses the things I'm going to I'm going to steal one from you because I know this is something that that you guys enjoy you and your wife love cooking together like it's one of your favorite things to do.

and so it's not like you had to figure out well, how do I create a separate budget for us cooking together. No, you just recognize in our grocery budget a couple nights a week we're going to stand in the kitchen together and listen to music and cook and dance. That's what I imagine y'all do. I don't know if that's the way it goes. Well, I think you hit on something. And I even when I was doing the when we did the millionaire Mission book tour, um, I told everybody one of the second key things was realizing that happiness doesn't have to be expensive. Um, I cuz I remember I share even in the book that the poorest time of my childhood, that messy middle for my parents, was actually the happiest part of my, you know, looking back on those years is because spending time with people you care about and love with is more important than spending money on stuff. So that's what Bob, man, if you're trying to figure out if you're

unhappy but yet you're living. You're swimming in money because you're beyond step none. You've got to bring it back to the basics and figure out what did I spend enough time on the why of what actually makes me happy. So you know who you are, take out money all together. I know, look, money is necessary to be the kind of the lubricant of Life of, you know, transactions and everything else, but you got to spend some time knowing who you are, what you value, and really what brings you purpose. And that's where the happiness is, and it doesn't take money. That's what, you know, I like cooking with my wife. We like going on walks together. I love, love just, you know, having a meal with my family. All those things, they don't have to. I like grocery shopping. I know everybody is outsourcing the heck out of all these things with all these apps and stuff. You, me at the grocery shop, going to the grocery store with kids or even Jennifer and I, that makes it worse.

I love it. I think it's so much fun. I don't know why, but it doesn't have to be expensive to still create great memories. I want to put that to the test. This week, I'm sending my kids to the grocery store with Uncle Bran. You're going to take a grocery shop. Let my kids hang out with you, and let's. It's going to be fun. You've heard me tell this story too. I've never considered myself a kids person. I'm not the one when a baby comes in the room. I have to go smell their head because some people just love being around babies. I love my children. There is something about, and I've told this to my daughter. Is you know 'cause my oldest is like, I don't know if I want kids. I was like, look, everybody feels that way, but it or at least people wired like me feel that way, but I promise you when you have your own children. There is something inside of you. You're hardwired that you just

love those kids no matter what. So you could bring your kids over. Probably not going to be the same as how you feel towards your kids though.

What Are the Goals After Step 9 of the Financial Order of Operations?

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9단계 이후의 재무 목표는 유산 만들기, 자선단체 지원, 세계 탐험 등 유연하고 개인적인 목표가 될 수 있습니다.

돈은 각 개인에게 진정으로 중요한 것을 성취하기 위한 도구이므로 정답이나 오답은 없습니다.

돈을 즐겁게 벌고 인생을 즐기는 것은 9단계에 국한된 것이 아니라 재무 여정의 모든 단계에 포함되어야 합니다.

부와 재정적 독립성의 다섯 가지 수준

'백만장자 미션'은 안정, 전략, 보안, 재정적 독립, 풍요의 다섯 가지 부의 수준에 초점을 맞춰 독자들에게 재정적 운영의 질서를 안내합니다.

궁극적인 목표는 돈으로 시간을 벌고 원하는 것을 할 수 있는 자유에 도달하는 것입니다.

풍요의 수준은 재정적 자유뿐만 아니라 삶의 가치와 목적을 아는 것과도 관련이 있습니다.

재정 운영 질서는 돈의 사용을 최적화하기 위한 지침을 제공합니다.

재정 목표와 남기고 싶은 유산에 대한 명확한 비전을 세우는 것이 중요합니다.

인생에서 가장 즐거운 일에는 높은 대가가 따르지 않는 경우가 많기 때문에 행복을 찾는 데 비용이 많이 들 필요는 없습니다.

자기 발견과 개인적인 가치에 시간을 투자하는 것은 경제적 상황과 관계없이 진정한 행복을 위해 매우 중요합니다.

요리하기, 산책하기, 가족과 함께 식사하기 같은 간단한 활동은 큰 비용을 들이지 않고도 큰 기쁨을 가져다줄 수 있습니다.

아이들을 식료품점에 보내려는 계획에서 알 수 있듯이 의미 있는 추억을 만드는 데 비용이 많이 들지 않아도 됩니다.

아이들을 위한 무조건적인 사랑

저는 아이들을 무척 사랑하기 때문에 아이들을 데리고 오셔도 좋습니다.

자녀에 대한 사랑만큼은 아니지만 그래도 환영받을 것입니다.