### 해안 화재: 조기 은퇴 계획을 위한 투자 전략

### 해안 화재를 위한 투자: 5~7년 후 은퇴를 위한 전략
* 🏖 40대 후반에 **Coast FIRE를 달성한다는 것은 상당한 자산을 쌓았지만 아직 완전히 재정적으로 독립하지 못했다**는 의미입니다.
* 📊 과세 대상 브로커리지 계좌에 효과적으로 투자하려면 **자산 배분과 납세지에 집중**하여 특정 재무 목표에 맞게 전략을 조정하세요.
* 🗂 | **단기 목표(3년 미만)** | **중간 목표(3~7년)** | **장기 목표(7년 이상)** |
|---------------------------------------|----------------------------|-----------------------------|
| **비상 자금 마련하기** | **주택 구입을 위한 저축하기** | **은퇴 계획 세우기** | **은퇴 준비하기** |
| **고금리 부채 상환하기** | **교육에 투자하기** | **유산 펀드 만들기** | **유산 펀드 만들기** |
| **휴가 비용 저축하기** | **사업 시작하기** | **재정적 독립 달성하기** |
* 💡 "앞으로 50년 동안 계속 사용할 돈이 있다"는 생각으로 **장기 자금에 대한 보다 공격적인 투자 전략**을 세울 수 있습니다.
* 🔍 특히 전통적인 401(k)를 보유하고 있는 경우 **59세 반이 될 때까지 해당 자금에 대한 접근이 제한**될 수 있으므로 계좌 구조에 주의하세요.
* 🤝 정보에 입각한 결정을 내리기 위해서는 개인화된 조언이 중요하므로 **복잡한 재무 상황을 헤쳐나가기 위해 전문가의 조언**을 구하는 것이 좋습니다.
* 은퇴를 효과적으로 계획하려면 **잠재적인 수입원을 포함한 전체 계좌 구조**를 파악하는 것이 중요합니다.
* 📞 맞춤형 지원을 받으려면 **moneyguy.com과 같은 리소스**를 탐색하여 각자의 재무 여정에 적합한 지원을 찾을 수 있습니다.

40대 후반의 케빈은 5~7년 이내에 은퇴를 위해 전략적으로 투자해야 합니다.

I've reached Coast fire in my late 40s. I'd like to fully retire in 5 to 7 years. How should I invest in my taxable brokerage account to support this? So I've reached Coast fire in my late 40s. I want to fully retire in, how long? Five to

seven years. Five to seven. How should I invest in my taxable account? Yes, well Bri, I think, uh, why don't we talk a little bit about, so Coast fire. So when it comes to fire, the Financial Independence Retire Early movement, there's a couple different ways to do it, right? There's

like Barista fire, which is, hey, I'm going to sort of retire, but I have a part-time job to get some additional income coming in. Uh, I'm going to do Frugal fire, which means I'm going to try to get my expense footprint down as low as humanly

possible and sort of live this like minimalist lifestyle. And then there's Coast fire, uh, which is more, hey, I want to have a standard of living that is reasonable, that just kind of my standard of living while I was working. So it sounds like Kevin, uh, if he is Coast fire

in his late 40s, he's done a pretty good job of building up resources by this stage, but not quite at Financial Independence yet. Not quite able to be fully independent. There, there's two types of allocations that that Kevin needs to pay attention to that will be

the asset allocation, and there'll be the tax location or allocation that you will have on that with the way your accounts are structured. But when we tell talk about the the asset allocation, the way I would attack that is, I, Kevin needs to draw three columns, you know, and you can

do this on a spreadsheet, Google Sheets, Excel, or you can even get nerdy enough to pull out a sheet of paper, and you're going to need to have your short-term goals, which are things that are probably less than three years. You're going to

need to have your midterm goals, which are those three to six to seven years, and then you need to have your, what's, seven years and beyond. And then think about back into what life is going to look like, what goals you have coming up, what big expenditures, put them in the

different columns, and then you can start getting a more full picture of how much of this money is truly long-term because Kevin, you're in a unique situation, because you have money, especially CoastFIRE, and you're in your late 40s, that's still young, so there is money

there that's going to still be working for you for the next 50 years. That 50-year money doesn't need to be locked down into super conservative stuff, but you have things that 5 to 7 years from now it's going to look more like what a

60 or 65-year-old would need, so it needs to be planned for accordingly, by the way the asset allocation works, and that's why I love when you can break your money between short-term, midterm, and then long-term goals. You can get to a visual of how you create those

different buckets, and then how do you integrate them? And that moves to the next step of the tax location. What do you have to work with? Do you have a bunch of, you know, traditional 401(k)s where you're already going to have trouble getting access to that money?

until you're 59 and a half, already you have a 401(k), even that's going to be 59 and a half. Because if you're leaving the workforce in your 40s, the 55 rule is not going to apply to you. You've got to start

paying attention to what those bucket structures are going to look like so you even know what you have access to. Yeah, this is one of those unique things where personal finance becomes incredibly personalized, and your unique journey is going to be unique to you. It's going to

be unique to your account structure, your time horizon, the size of your portfolio, your goals. This might be one of those unique instances where you find yourself saying, "Man, I really wish that I had a second set of eyes. I wish I had a co-pilot to help me navigate this."

because this is my only retirement, and my first retirement, man, wouldn't it be great if someone could step in who's helped people work through situations similar to mine and give them guidance and counsel? That's exactly what the Abundant cycle is. We want you to come

learn and apply all the teachings that we give you. But when your life reaches a complexity point, or when the financial decisions that you make are so great that you have to know that you know that you know that you know that you're making the right ones, we would love for

you to consider taking the relationship to the next level. That's your situation, the exact kind of situation we help people navigate every single day. So if that's something that might make sense to you, that you're interested in, I'd encourage you to go to moneyguy.com, work

with us abound wealth.com work with us and we'd love to start to have that conversation. Well, I think about it cuz I never know what people's account structure is, but I mean I I have had a lot of people come across my, you know, my

desk to where they they they're rich on paper, but it's all retirement asset and they're trying it's and the access to the money is much harder than people realize. You got to get really creative on how you structure, you know, whether it's a 72 te like aity structure, what

but there are things I would there's so much I need to know on how this account is structured and where the access points are and what the need is. Is there going to be even some income sources, you know, from other things? Cuz also think about like

military people. I have a lot of military relatives. They start pulling in pensions, you know, because you go into the military at, you know, at 18, you do your 20 plus years, you know, you could be 38 to 45 and and start having pension money

coming in. There's all kind of cool things that you just need to know what you're working with. And it is Bose's exactly right. I hate cuz I like I like giving an, but if I don't know all the variables, I can't give you everything because I have

to make it personal finance, and this is definitely personal answers.

How To Invest in Your 40s for Early Retirement

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The Money Guy Show

Individual nearing Coast FIRE in their late 40s aims for full retirement in 5-7 years.

Discussion of different FIRE approaches: Barista FIRE, Frugal FIRE, and Coast FIRE.

Coast FIRE described as maintaining a reasonable standard of living similar to while working.

Importance of asset allocation and tax location strategies for retirement planning.

Recommendation to categorize financial goals into short-term (under 3 years), mid-term (3-7 years), and long-term (7+ years).

Consideration of the long-term investment potential of funds, especially for those still relatively young (late 40s).

Importance of visualizing the different financial buckets and how they integrate.

Need to consider access to funds, especially with traditional 401(k)s and the 59 1/2 rule.

The 55 rule doesn't apply to those leaving the workforce in their 40s.

Personalization of financial planning based on individual circumstances.

Recommendation to seek professional help for complex financial situations.

Promotion of services offered for personalized financial guidance.

Importance of understanding account structure and access to funds (e.g., retirement assets).

Need to consider potential income sources beyond investments (e.g., pensions).

Example of military pensions as an additional income stream.