### 은퇴 계획: 수입과 지출 대체하기

### 은퇴 저축에 대한 이해: 비용 대체의 중요성
* 💰 소득의 **25%를 저축**하면 은퇴 후 소득의 **100%를 재창출**할 수 있지만, **75%로 생활**하고 있다면 저축 전략을 조정하여 **더 일찍 은퇴**할 수 있습니다.
* 📈 많은 사람이 30대나 40대에 재무 설계를 시작하는데, **일찍 시작하는 것이 유리**하지만 저축을 언제 시작하느냐에 따라 교체 비율이 달라질 수 있습니다.
* 💡 은퇴 후에는 **"정말 중요한 것은 비용"**이므로 소득 대체에서 비용 충당으로 초점이 이동합니다.
* 🔍 생활 환경의 불확실성으로 인해 **15~30년 후의 지출을 예측하기 어렵기 때문에** 미래 지출을 예측하는 것은 쉽지 않습니다.
* 📊 현재 지출 습관을 평가하여 **현재 수입의 60%를 지출**하는 등 교체가 필요한 부분을 결정할 수 있습니다.
* 📚 moneyguy.com의 **"25%가 얼마나 도움이 될까요?"**와 같은 자료는 지출에 따라 얼마나 많은 수입을 대체해야 하는지 명확히 파악하는 데 도움이 됩니다.
* 🛠 "숫자 알기" 과정에 참여하면 **재무 목표와 이를 달성하는 데 필요한 단계**를 보다 명확하게 파악할 수 있습니다.
* ⏳ 은퇴가 가까워지면 저축률에서 축적된 자산으로 편안하게 생활할 수 있도록 하는 데 초점을 맞춰야 합니다.

은퇴 계획은 수입이 아닌 지출을 대체하는 데 중점을 두기 때문에 재정적 독립을 위해서는 저축 전략이 필수적입니다.

You say to save 25% to recreate 100% of your income in retirement, but if you've been living off of 75%, if you're saving 25%, how much earlier can you retire if you plan to just have 75% of your income

in retirement? So, those are a lot of percentages, but what do you think? Can you kind of talk about this thought behind 25%? What I love, Bo, is now Nick... Nick knows enough that he knows that we love 25%, but Nick kind of misused our

words a little bit. Is that we say that we tell you 25% so you can replace 100%. Here's what I would encourage you to do, and I always screw up the name of it, but I would encourage you to go to money.com/resources, what can 25% do for

you? Because, yes, without a doubt, Nick, if you're starting and you're saving and investing when you're in your 20s, it probably will replace 100%. But the reality is, is most people don't discover the wonderful world of finance until

their 30s and even 40s, and that's okay because we create content that hits you no matter where you are in this journey. But just know your replacement ratio likely could change depending on what year you actually start saving and investing. Yeah, when it comes to

financial independence and being retired and living off your resources, your income really doesn't matter all that much. Uh, and hear me out on this. What really matters is your expenses. How much do you spend? So, as you get closer and closer to retirement, what you're really

trying to replace is your spending, not your income. Now here's the problem, and here's why we always use percentages of income as our estimators. It's really, really difficult to estimate exactly what our expenses are going to be 15, 20, 30 years down the road. We have

no idea. I mean, our kids might not be grown yet. We might not be in the part of the country we're going to live in. We don't know the things that we're going to do or how we're going to spend our time. So being able to, like, granularly

come up with, "I'm going to spend this much when I get to retirement" is pretty difficult when you're really young. But what you can say is, "Hey, I know that right now, based on the fact that I make 100% of my income, and then I pay

some portion of that to taxes, and I give some portion of that away, and I save some portion for the future. I know that realistically, based on the income that I have coming in right now, I spend 60% of my income." Okay, great. If I go download at

moneyguy.com, the resource is the "How Much Can 25% Do for You?" I think I combine the two titles there. You did. Uh, it will show how much of your income you can replace. So okay, I need to replace 60% or 80% or

113% or whatever that number may be. You can begin to dial that in until you get to the point, and this is what I think is awesome, you can actually do the "Know Your Number" course. You go out to learn.moneyguide.com, and you can actually

begin to say okay instead of having like this generalized idea of what amount of income I need to replace realistically what are my expenses going to be and if I want to live that lifestyle at that level for that timeline what's my number need to be and then what are the steps

that are required to get me from where I am today to there so it's an evolution that takes place over time and in the early stages in the early years it might be shooting for that's why I focus on savings rate and income replacement but

then as you get closer and closer to retirement then it's about expense replacement and being able to actually live off the resources that you've saved

How Much Do You REALLY Need to Retire?

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The Money Guy Show

Retirement Savings and Income Replacement

Question about retiring earlier by saving 25% to replace 75% of income.

Discussion of the 25% savings rate for 100% income replacement.

Recommendation to use money.com/resources to understand the potential of a 25% savings rate.

Income replacement varies based on age of starting savings and investments.

Focus on Expenses, Not Income, in Retirement Planning

Importance of focusing on expenses rather than income in retirement planning.

Difficulty in accurately predicting future expenses.

Using current income and spending to estimate future needs.

Using moneyguy.com resource to determine income replacement percentage.

Personalized Retirement Planning and Resources

Using learn.moneyguide.com to determine personalized retirement number.

Determining realistic expenses and necessary steps to reach retirement goals.

Shifting focus from savings rate to expense replacement as retirement nears.