자녀가 없는 젊은 부부를 위한 저축 전략

### 30대에 적극적인 저축의 중요성: 자녀가 없는 부부를 위한 가이드
* 💰 30세에 자녀가 없는 데릭과 그의 아내는 수입의 **20%를 저축할지, 아니면 25%를 저축할지 고민 중**이며, 머니 가이 팀은 후자를 지지합니다.
* 📈 **25%와 같이 더 높은 이율로 저축**하면 나중에 더 많은 재정적 유연성과 옵션을 제공하여 개인의 목표에 맞는 라이프스타일을 유지할 수 있습니다.
* 🔍 머니 가이 팀은 **25% 저축 시 65세까지 은퇴 전 소득의 119%를 대체**할 수 있는 반면, **20% 저축 시에는 95%의 대체율**을 달성할 수 있다고 강조합니다.
* 🛡 일찍부터 적극적으로 저축을 시작하면 **직장을 옮기거나 예상치 못한 인생의 사건**과 같은 미래의 잠재적인 재정적 어려움으로부터 개인을 보호할 수 있습니다.
* 🌟 이 토론에서는 **"크고 아름다운 내일"**을 위해 현재를 즐기는 것과 안전한 미래를 위한 저축 사이의 균형을 강조합니다.
* ⚖ 젊은 저축자들은 현재의 행복을 희생하면서 지나치게 검소해지지 않도록 절제하는 동시에 **삶을 즐기는 것**이 중요합니다.
* 🕰 궁극적으로 지금 적극적으로 저축하는 선택은 **미래에 더 바람직한 라이프스타일과 조기 은퇴 옵션**으로 이어질 수 있으므로 고려할 가치가 있습니다.

이제 25%를 절약하면 더 큰 재정적 유연성과 만족스러운 미래를 위한 옵션을 확보할 수 있습니다.

[Music] all right. Derek asks, Good morning, Money Guy team. My wife and I are 30 and not planning on having kids. Is saving 25% really necessary with two incomes and no kids, or would 20% be sufficient? So, not only is this one of those personal and personal finance questions, but I'm curious to hear you talk about why 25% and what should he consider as he thinks about this. I think it's interesting to think that the kids is the difference between 20 and 25%. Derek, here's the reality of the situation: you're 30 right now, and I don't, you know, I think about my 30-year-old self. Things will change, but what? Because I've even given the perspective that when I was 25, 26 years old, I started saving at a more aggressive pace because I had this vision that I was going to retire at 50. Um, and now look, I'm now past 50.

and I am so far from retirement um that I'm hoping I get to do this till the day that I'm taking off this planet. I really do cuz I love what I get to do for a living, but it shows it's just it's showing that perspectives change. But what I'm very thankful for is that I was saving at a higher point even in my mid-20s and 30s because it gave me margin, and that's the part, the flexibility that you get by being disciplined and living off of less than you make. And the more you can do that, the you know, early and often, you're going to get more options, more choices to live life on your terms and buy your time. That is the most valuable thing that we have on the planet, both for building wealth but also enjoying and living your best life. So I want you to think about it. You're trying to go from 20 to 25% and the kids, yes, that can play into the dynamics and the mathematics of it.

but the reality is you want to own your life that much sooner. We have a great deliverable call. If you go to moneyguide.com for you, Nate, do we have the ability to pull that one up? Oh, it's amazing. And what I want you to do is this. This is what's great. So if you think about, you said that you and your wife are 30 years old. If you start saving right now 25% of your gross income, you would be on pace by the time that you get to age 65 to be able to replace 120%, 119% of your pre-retirement income. So you kind of get to do a pay raise when you retire. Or what you're able to do is you're actually able to retire a little bit earlier. Now you can see the difference in saving for a 30-year-old, saving 25% versus saving 20%. You go from 119% replacement ratio to a 95% replacement ratio. Again, that is still fantastic. That's wonderful. What I

like about saving early and often is exactly what you said. It gives you margin so that you have more flexibility to do the things that you want to do sooner. Because maybe life happens, maybe you do decide you end up having kids, or maybe jobs change, or maybe you have to move where you live in the country. And there are going to be unforeseen circumstances that cause you to have to decrease your savings rate in the future. Well, if you saved aggressively early on, you are insulated from that having a huge impact on your financial life. Or if those things don't happen, and all you do is just continue to save 25% starting right now all the way till you get into your 40s and 50s, there's a really good chance that you will be able to design the life that you want to live much earlier than someone who chose a much lower savings rate. So, I think there's a balance between enjoying today and living for today and getting value out of the things you're doing today, but

also aggressively saving for the future so that you can have a Great Big Beautiful Tomorrow. There's also this spectrum issue is that somebody who's 30 years old, you're closer to the beginning of your savings rate that you're probably your assets even if you're a prolific saver is just hasn't had enough time to build upon itself to reach that bowling point or that you know escape velocity. But then I I I I don't want to Discount that I do love having this discussions to so that you get to live your best Balanced Life is because I do want people in their 20s and 30s to be very disciplined but also not to be misers. I want you to enjoy every decade of your life but I love that we give you the guidance you can focus on that balance so that you're also not the 40 to 45y old that is saving it at aggressive savings rates to the detriment of your future self but you just have to know where are you on the

on the Spectrum. Have you reached the bowling point? Have you, you know, got yourself in a good place? I'm purposely trying to say it right. Am I still saying it wrong? No, no, you're nailing it. It's so good. Gosh, so good.

Is Investing 25% Really Necessary with Two Incomes and No Plans for Kids?

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미래를 위한 저축: 데릭의 딜레마

30세에 자녀가 없는 데릭과 그의 아내는 수입의 20%와 25% 중 어느 쪽을 저축할지 고민하고 있습니다.

연사는 미래의 유연성과 선택권을 위해 젊은 나이에 적극적으로 저축하는 것이 중요하다고 강조합니다.

이들은 일찍부터 더 많이 저축하면 재정적 자유와 자신의 방식대로 삶을 살아갈 수 있는 능력을 키울 수 있다고 강조합니다.

조기에 적극적인 저축의 중요성

30세에 총 소득의 25%를 저축하면 65세까지 은퇴 전 소득의 119%를 대체할 수 있습니다.

저축률이 20%로 낮으면 대체 비율은 95%가 됩니다.

조기 저축은 예상치 못한 삶의 변화에 유연하게 대처하고 원하는 삶을 더 일찍 설계할 수 있는 기회를 제공합니다.

미래를 위한 적극적인 저축도 중요하지만, 특히 20대와 30대의 경우 자산이 쌓이는 데는 시간이 걸립니다.

각 시기마다 저축을 절제하는 것과 인생을 즐기는 것 사이의 균형을 찾는 것이 중요합니다.

목표는 미래의 행복을 희생하지 않도록 저축에 대한 균형 잡힌 접근 방식을 위한 지침을 제공하는 것입니다.

스펙트럼에서 좋은 위치에 도달하기

대화는 스펙트럼에서 좋은 위치를 찾는 것을 중심으로 진행됩니다.

화자는 의도적으로 질문을 정확하게 표현하려고 노력합니다.

상대방은 상대방이 잘하고 있다고 안심시키고 그 노력에 감사를 표합니다.