성인 자녀의 재정적 지원 지침 및 고려 사항

### 성인 자녀의 재정적 지원: 의존성 없이 기회 창출하기
* 💰 재정 지원을 제공하기 전에 **아동이 외부 요인(예: 인플레이션)이나 잘못된 재정적 결정**으로 인해 어려움을 겪고 있는지 평가하세요.
* 📊 성인 자녀가 저축 기회(예: **가족 건강 보험 유지**)를 어떻게 활용하고 있는지 모니터링하고 이러한 자금을 저축하거나 투자하도록 장려하세요.
* 🎓 생활비를 보조하는 대신 **교육이나 체험과 같은 일회성 비용**을 지원하여 오래도록 기억에 남는 추억을 만들 수 있습니다.
* 💵 중요한 구매(예: 첫 차 또는 주택 계약금)에 대해 **매칭 기부금을 제공**하여 책임감 있는 재정 행동을 장려합니다.
* 🏡 재정 지원의 사용 방법을 지시하지 말고 **열린 대화를 통해 아동의 필요와 우선순위를 파악**하세요.
* 💪 어린이가 필요한 금융 기술을 개발하는 데 방해가 될 수 있으므로 지나치게 **'펌프질'하지 않도록 주의**하세요.
* 🏗 역도의 스테로이드를 비유하여 제공되는 추가 지원을 뒷받침하기 위해 **재정적 '힘줄'을 개발하는 것**이 중요하다는 점을 설명합니다.

성인 자녀의 재정적 지원은 생활 보조금이 아닌 일회성 비용과 투자에 초점을 맞추어 자립과 책임감 있는 재정 관리를 장려해야 합니다.

[Music] Because now we're getting to the other side of this. Assuming that your answer was Can I help? and the answer is Yes, what are actually the best ways to help so that you don't create a crutch system where they're relying on you to just live their life? Yeah, if the first thing you have to ask is how financially stable are they. Are they in a tight spot because they're in the messy middle, and frankly everybody in the messy middle finds themselves in some form of a tight spot? Or are they in a tight spot because of decisions that they are making that are not the sound decisions, they are the less than sound decisions? You need to assess, and you need to be honest with yourself. Are they struggling now because life is just hard? Interest rates are up, housing prices have increased, children are more expensive, groceries, is there inflation, is that why things are tight? Or are things tight just because they haven't made the tough decisions early on, and they have allowed their lives to

be subsidized for you, and you need to have a real assessment of which of those is true and which of those accurately defines where your kids really are. And I have a good example. We did a Q&A show, and I remember the question came in, Is hey, it was two things that kind of came to mind was my children, my adult children got their first job, they're still on my health insurance. Well, that might make sense from a financial standpoint because look, if you're already a family plan, you have they have younger siblings, it doesn't change your premium, but it might create some savings opportunities for them. I completely get that because with the laws now allow adult children to stay on your health insurance until age 26, might be a financial opportunity. Same thing, think about your Mobile plans or car insurance and things like that, there might be financial opportunities, but that is going to be a little different than self-reliance. But with all that shared, I want you as the parent, and I don't want you to get too nosy, but

you should pay attention to what are these opportunities creating in dividends from your children, and have these conversations in some way, in a very tactful way, because you have to be careful because they are now spreading their wings. They're going into independence of adulthood, but you should find out, is this savings that you're creating, maybe through the health insurance or the mobile plan or the car insurance, if this savings is it turning into saving and investments for the future, or is it just being consumed. And I would start internalizing some of that because you are paying attention to as an adult to see, have my adult children started showing dividends to good behaviors, good adult management of their personal finances. So because if they can be good with a little, they can probably be great with a lot. So as you give them more and more opportunity, but you do need to be paying attention to those dividends. All right, so let's talk about ways that we can help financially, assuming that they are

in the situation where it makes sense, we love the idea of helping with one-time expenses, not supplementing lifestyle. We love the idea of, okay, maybe I want to help with education, or I want to help with experiences. I want to be generous. What I don't want to do is say, Hey, you know what, go buy the new car, and I'll cover the car payment. Or, You know what, I'll help with the more, go buy the more expensive house, I'll help with a mortgage. That is different than you recognizing your kids saying, Hey, you know what, we're not going to be able to go on family vacation this year. We're going to make sure that we buckle down, we're going to make sure we tighten the belt, we want to be saving for the future. And you say, Hey, you know what, why don't we all go on a family vacation, and I will foot the bill. That's a wonderful way to be generous and create a huge opportunity that does not subsidize lifestyle, but it does create memories.

that can ultimately blossom over time well, and also, sometimes there might be opportunities for you to help fund things. Maybe you're not paying for it outright, sure, but um, and I'll give two examples. I think about like my daughter's first car. I did a matching contribution, meaning that I will give you whatever you save up for your first car. I'll match it up to this limit because you hear about these horror stories where you have an entrepreneur kid that all of a sudden is buying a Lamborghini because they're cutting so many, you know, yards of grass. That's not what situation I ran into, but it is one of those things where it was, it worked. She saved up enough so we could buy a very reasonable used car. She paid for half of it, maybe that if you, if you age that up, maybe that first house down payment if you know your children. I, I, I know people in my life that, that parents have seen the good work of their adult children, and they said, hey, you know why.

don't we offer a $10,000 match on your contribution towards your house down payment? It can be life-changing. And if you see the fruits of good behavior from your children, there's nothing wrong with you helping with those big one-off life decisions. But one of the things you also ought to do is consider the need of your kids and what's actually important to them. Don't decide, hey, you know, I'm going to help my kid, and so I'm going to tell my kid, hey, I'm going to help you with a down payment on your first house, and I found a house that I think you should buy, and it's a great deal, and here it is, and here's your down payment. Well, maybe your child isn't going to stay in that location for 5 to 7 years, or maybe they want to have a f, maybe there are other things, other areas where they need help. You should have a conversation with them. Open communication is going to be the key. Just because something might have been helpful to you when you were

in their situation, does not necessarily mean that it will be helpful to them. And the last thing you want to do is offer some form of generosity, or offer some form of gift that falls flat, that wasn't actually something that helped them where they needed it. So make sure you have an open line of communication to lean into the areas that are actually truly going to be helpful. Well, and I don't want you to prime the pump so much where you create these opportunities, and this is what you're alluding to Bo, where they never actually develop the skill set to be able to even maintain it. It's kind of like, you know, if you, and you love this boat 'cause you think about weightlifting, oh yeah, let's go. I mean, everybody thinks about, everybody thinks about the key muscles. But if you do like steroids or other things that might give you big gains very quickly, the problem that nobody ever thinks about is all the tendons, all the things that are around it that are holding the structure of these muscles. So you as a parent with

your your horsepower your extra muscle power you might be able to give your kids some outsize performance or extra muscle. But if they never develop the tendons or the skills to support it, all it falls apart. So if you get, if you help your your kids buy a house that's way outside of what they should be buying, meaning that they they should be buying a starter home, but you gave them two steps ahead and put them in a solid middle raising four kids and and now they can't afford the insurance, they can't afford the landscapers or whatever else is going on in that neighborhood, you might have created a problem. So make sure you're not letting them get bigger than the structure of what their financial life can support. Dynamite analogy would not guess you're going to pull steroids out on. I like that, that was not in the show content meeting, good.

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버팀목을 만들지 않고 성인 자녀를 지원하기

성인 자녀에게 도움을 제공할 때는 자녀의 재정 상태와 어려운 상황에 처한 이유를 파악하는 것이 중요합니다.

인플레이션이나 비용 증가와 같은 외부 요인으로 인해 어려움을 겪고 있는지, 아니면 자신의 결정으로 인해 재정적 어려움을 겪게 되었는지 고려하세요.

가족의 건강 보험을 유지하는 것과 같은 재정적 기회를 제공하는 것은 도움이 될 수 있지만, 저축과 자립심을 키우는 것을 구분하는 것이 중요합니다.

성인 자녀를 위한 재정 지원 책임감 있는 경영 장려

재정적 지원을 통해 저축한 돈이 미래를 위한 투자로 전환되는지, 아니면 단순히 소비되는지 성인 자녀와 재치 있게 논의하는 것이 중요합니다.

성인 자녀의 올바른 재정 행동은 큰돈을 관리할 수 있는 능력을 나타낼 수 있으므로, 자녀의 올바른 재정 행동에 주의를 기울이는 것은 매우 중요합니다.

재정적 지원을 제공할 때는 사치스러운 생활비를 지원하기보다는 일회성 비용, 교육, 체험에 집중하는 것이 책임감 있는 재정 관리를 장려하는 데 도움이 됩니다.

매칭 기부금을 제공하면 자녀가 첫 차나 주택 계약금과 같은 주요 구매를 책임감 있게 할 수 있습니다.

자녀의 필요와 우선순위를 고려하고 자녀를 가장 잘 지원할 수 있는 방법에 대해 열린 마음으로 소통하는 것이 중요합니다.

자녀를 대신하여 결정을 내리기보다는 자녀의 욕구를 이해하고 그에 따라 도움을 제공하는 것이 중요합니다.

다른 사람에게 진정으로 도움이 되는 지원을 제공하려면 열린 커뮤니케이션을 유지하는 것이 중요합니다.

의존성을 조성하는 것이 아니라 장기적인 성공을 위해 필요한 기술을 개발할 수 있도록 돕는 것이 중요합니다.

적절한 영역에서 의미 있는 지원을 제공하는 것이 일시적인 해결책을 제공하는 것보다 더 가치 있는 일입니다.

자녀를 위한 재무 구조의 중요성

자녀가 감당할 수 있는 범위를 넘어서는 추가 지원을 제공하면 나중에 재정적인 문제가 발생할 수 있습니다.

자녀가 감당할 수 있는 재정 구조를 벗어나지 않도록 하는 것이 중요합니다.

예를 들어, 자녀의 주거 상황을 과도하게 확장하면 장기적으로 어려움을 겪을 수 있습니다.