재무 계획: 재융자 대 투자 우선순위

### 재무 우선순위 탐색하기 재융자, 투자 및 부채 관리
* 🏠 **46세와 41세는 재무 여정에서 중요한 시점**에 있으며, 현재 재무 운영 순서 중 **4단계**에 해당하므로 저축과 투자를 늦게 시작했을 수 있습니다.
* 💡 고용주 매칭 외에 저축이나 투자를 적극적으로 하지 않았다면 **7.62%의 모기지 상환에만 집중하기보다는 자산을 늘리는 데 집중**하는 것이 중요합니다.
* 📉 이자율이 **6% 이하로 떨어질 수 있는 재융자 옵션**을 이용할 수 있으므로 재융자가 모기지 상환과 전반적인 재무 전략에 어떤 긍정적인 영향을 미칠 수 있는지 고려하는 것이 중요합니다.
* 💰 Roth IRA에 불입하고 은퇴 계좌를 최대화하는 등 탄탄한 투자 포트폴리오를 구축하는 것은 은퇴 후를 뒷받침할 **'돈의 군대'를 만드는 데 필수적**입니다.
* 🔍 이미 탄탄한 자산 기반을 마련하고 재정적 독립을 향해 나아가고 있다면 **5단계와 6단계**를 진행하면서 재정 목표를 정의하고 이를 달성하기 위한 행동이 일치하는지 확인하세요.
* 📊 4단계를 완료한 후 재정적 기반이 튼튼하다면 이후 단계에서 **모기지 상환의 우선순위**를 정하여 부채 관리와 자산 증가의 균형을 맞출 수 있습니다.
* 🔧 사용 가능한 도구와 리소스를 활용하여 모기지를 효과적으로 관리하는 동시에 **안전한 재정적 미래를 위한 투자 자산**을 구축하세요.

46세와 41세에는 자산 구축에 우선순위를 두면서 재융자 옵션을 고려해야 합니다.

We're 46 and 41 years old, married, and currently working on step four of the financial order of operations. Our current mortgage is 7.62%, and we plan on refinancing. Should we worry more about investing or paying off the house once we finish step

four? Um, we're planning on refinancing. I want to know more about this planning on refinancing because that adds in a unique variable.  But even let's assume that refinancing is not something they're even thinking about, even at 7.62%. One of the questions

I have, Melissa, is at 46 and 41, if you're on step four, does that mean you're in the beginning phase of your financial journey? You've been working through the financial order of operations and you're just now getting to step four, meaning you haven't

really been building up or saving or investing for the future thus far, outside of just doing your employer match? If that's the case, I would argue at 46 and 41, you're still young; you still have time on your side. But it's different than someone who's in

their 20s and 30s. You likely have to make up some ground if you haven't been saving, if you haven't been building up a pot of assets that one day can hopefully provide for you and build and create a financially independent

living for you. So if that's your story, in my opinion, I think you really got to be focused on how can I save and invest and grow? And save and invest and grow? And save and invest and grow? Because there are likely going to be opportunities for you if interest rates

Continue to fall. You're at 7.6 right now. What was the stat you said, uh, this morning? That yeah, I read... and that's why I wouldn't take refinancing off the table, is because I read an article last week that we actually, for a

brief period of time now... you know how all markets are, they bob up and down a little bit, so you get some variability in it. But we went below 6% for a week or two on mortgage rates. So if you think about, you know, your 7.6, the

potential that you could drop it below six with a refinance... this is why I don't... I don't like people thinking that paying off your mortgage is a step three item. It's not, because I mean we've had more periods where, yes, rates are not going

back to 2.5%, but I also think they're going below 6% very easily, and you're at... some point, Melissa, you're going to need an army of dollars so you don't have to work so much with

your back, your brain, and your hands. So we've got to get the Roth built up, we've got to get the 401(k)s built up, because that is your army of dollars. I don't want you getting to retirement age and not having any investment assets. You can be debt

free, but you can't... you can't eat the house. I mean, it's... it's just one of those things; it doesn't pay the bills. So we have to get the army of dollar bills. So that's why, for me, I think that when you go from step four, which is emergency

Now, you're going to go immediately into step five, and you're going to look at the health savings account, the triple-tax advantage. You're going to look at the Roth IRA. Then, step six is going to be looking at maximizing retirement.

In the middle of all this, if you pay attention and rates have dropped—and we have a show coming out on how to deal with debt; it'll be coming out in the next month because I was reviewing some show notes this morning—

and this is one of the things we cover. We even have a refinance tool out there on the website right now that I would encourage people to use. It is out there right now. Right, absolutely.  m.com—I just see Megan talking, and when I...

Gosh, I've got a front-row seat! And I didn't mean to... We have to put a shade right there where he can't see her. But it is one of those things. I want you to go out there and use the tools we've put

for you. But you need to have dual functions going on: How do you get the mortgage paid down with a better rate, and then also make sure you're building assets in the background? But I would play the other side of the coin, so that

was one option that you had.  Not started building your assets; let's say perhaps this is something different. Maybe you have been doing all the stuff you're supposed to be doing, and you have been building up an army of dollar bills, and you have a pretty

a healthy asset base underneath you. Uh, but something happened; you had some sort of emergency and you had to dip into step four to address it, and now you're rebuilding step four. Well, if that's the case, and you're at age 46, you are at

that unique stage where, if you have been doing all the things you're supposed to be doing and your assets are built to a level where you're on the trajectory to reach financial independence, I think what you have to define is, "What is my number? What

is the thing that I'm working towards?" And have the steps that I've been taking thus far been moving me in a path to that end goal, to that finish line? If that's the case, and you've done the financial order of operations and once

you finish step four, you're going to be able to zoom right through steps five and six and get into step seven. Then, yeah, if one of your goals is being debt-free and you want to prioritize paying off that mortgage as you get into

step eight and step nine, there's nothing wrong with that. But you have to make sure that your financial foundation is solid enough that it makes sense for you to do that, and that's going to depend very much on what you've been doing thus far in your financial

How To Handle a High-Interest Mortgage

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7.62%로 모기지 재융자, 부채 상환보다 투자 우선순위 정하기

부부(46세, 41세)는 재무 계획 4단계에 있으며 7.62% 모기지를 재융자하는 것을 고려하고 있습니다.

재융자는 주택에 투자할지 아니면 갚을지 결정할 때 변수를 추가합니다.

그 나이에 금융 여정의 초기 단계에 있는지에 대한 질문이 제기되었습니다.

46세와 41세는 아직 시간이 있지만 저축이나 투자를 크게 늘리지 않았다면 따라잡을 필요가 있습니다.

특히 금리가 계속 하락하는 경우 적극적인 저축과 투자에 집중할 것을 권장합니다.

모기지 재융자 분석 및 재무 계획에 미치는 영향

모기지 금리가 6% 이하로 떨어질 가능성이 있어 재융자가 매력적입니다.

모기지 상환이 투자 자산을 구축하는 것보다 우선시되어서는 안 됩니다.

은퇴를 위해 상당한 투자 자산을 쌓아야 합니다(달러 군대).

재정적 독립을 위한 투자 자산을 쌓기 위해 Roth와 401(k)에 집중하세요.

부채가 없다고 해서 재정적 안정이 보장되는 것은 아니며, 투자가 중요합니다.

재무 운영의 다음 단계 및 가용 리소스 활용하기

5단계와 6단계로 진행: 건강 저축 계좌, 로스 IRA, 은퇴 최대화.

부채 관리 및 재융자 도구에 대한 다음 쇼는 웹사이트에서 확인할 수 있습니다.

재융자 및 자산 구축을 위해 사용 가능한 도구를 사용하도록 권장합니다.

이중 접근 방식 강조: 더 나은 금리를 통한 모기지 상환과 동시에 자산 구축.

대안 시나리오:  기존 자산 기반 및 재무 목표 정의

자산은 이미 구축되어 있지만 4단계 자금을 긴급하게 사용해야 하는 시나리오입니다.

46세가 되면 재정적 자립 목표를 정의하고 진행 상황을 평가하는 데 초점을 맞춥니다.

현재 단계가 장기적인 재무 목표에 부합하는지 확인합니다.

목표 수치를 정의하고 재정적 독립을 향한 진행 상황을 평가합니다.

정상적으로 진행되면 5, 6, 7단계를 빠르게 완료할 수 있습니다.

재정 기반에 따른 모기지 상환 우선 순위 지정

재정적 기반이 튼튼하다면 8단계와 9단계에서 모기지 상환 우선순위를 정하는 것도 허용됩니다.

결정은 이전 재무 조치와 현재 재무 상태에 따라 크게 달라집니다.