대학가의 도전에 따른 부동산 투자 전략

### 변화하는 시장에서 부동산 투자 탐색하기
* 🏡 코로나19 팬데믹은 캔자스주 맨해튼과 같은 대학 도시 경제에 큰 영향을 미쳐 **지역 부동산 역학 관계에 변화를** 불러일으켰습니다.
* 📉 등록률이 하락하고 신규 주택 단지의 공급이 과잉되면서 **잠재적 투자자들은 현재 시장 상황에 대해 주저**하고 있습니다.
* 💰 당좌 예금 계좌에 있는 **50만 달러와 같은 초과 현금**을 관리하는 한 가지 전략은 시장이 명확해지기를 기다리는 동안 **무부하 S&P 500 펀드에 투자**하는 것입니다.
* 🔄 시장이 약화되어 다른 투자 수단으로 전환하거나, **캔자스시티와 같은 더 유리한 시장으로 이동**하거나, **맨해튼 시장이 반등하여 재투자가 가능한 세 가지 잠재적 시나리오**가 전개될 수 있습니다.
* 📊 존 돌론 박사는 **학자금 대출 위기와 온라인 학습으로의 전환**이라는 이중의 압박이 전통적인 대학 경험과 캠퍼스 내 생활에 대한 수요를 가속화했다고 강조합니다.
* 🤔 시장 상황이 변화함에 따라 투자자는 어려움을 겪고 있는 판매자로부터 **할인된 가격으로 부동산을 구매할 수 있는 기회**를 찾을 수 있습니다.
* 💪 발신자인 앤서니는 **약 150만 달러 상당의 부동산 포트폴리오**를 성공적으로 구축했으며, 불확실한 시기에도 성장 가능성을 보여주며 다음 단계를 고려하고 있습니다.
* 📞 전문가와 소통하고 다양한 투자 옵션을 탐색하는 것은 **변동하는 부동산 환경에서 정보에 입각한 결정을 내리는 데 매우 중요**합니다.

앤서니는 맨해튼의 부동산 시장에 영향을 미치는 대학 등록률 감소로 인해 투자 옵션을 모색하고 있습니다.

Anthony is in Kansas City. Hi, Anthony. Welcome to the Dave Ramsey Show. How you doing? Great. How can I help? Um, I have about a half million dollars in my checking account, and I have had it in there for a couple of years. I'm trying to figure out exactly what to do with it. My plan was to use it for real estate, but the real estate market's got me a little spooked right now. We live in a college or close to a college town, and uh, the market there, they've built so many brand new complexes in the last 10 years, and nobody's going to college. Okay, I'm with you. Exactly. The enrollment rates are going down. Um, you know, so I'm a little bit leery of that. So, what town are you in? I'm Manhattan, Kansas. Yeah. Okay. All right. Yep, you're far enough away from Kansas City that you're probably not investing in Kansas City, right? Correct. Okay, Anthony, how old are you? I'm 45. Okay, you've done a great job.

yeah, you have. Are you planning to stay in Manhattan? That depends. Um, don't necessarily need to. I have a hobby farm. I'm an electrical contractor by trade, but my real estate holdings. I have a couple rental properties too, but I have about a million and a half in real estate. That's all paid for. Um, about a hundred thousand in cash, 500,000 of my checking [Music], about 400,000 in other assets like track loaders and tractors. And you're a stud. Well done. So proud of you. It's got to feel great, man. I mean, you really did it. And I'm assuming you did all this starting from nothing, correct? I had nothing, inherited nothing. Way to go. Well, here's what I would do if I woke up in your shoes and I find myself in similar situations from time to time. I'm between real estate deals and I need access to the cash when I get ready to do the next real estate deal. That's where I find myself. It's where

you find yourself because you're not going to drop that half million into Manhattan. You've made that decision. I'm not going to recommend. If you listen to me for more than 20 minutes, you know this to be a long-distance landlord. And so what I'm going to end up doing is just parking this probably in like an S&P 500, you know, a no-load fund. There's no commissions and just ride the market with it a little bit while I'm waiting to decide what I'm going to do. And one of two things will happen. One of three things will happen. You decide to stay in Manhattan and the market gets soft as you predict, so you will not pull that money out and buy in Manhattan. So you're probably going to turn and invest it in some other vehicle for probably some mutual funds or something. Number two thing that could happen is you move and you're living in whatever Kansas City and you've got a great market to invest in. Then you pull the money out.

and you invest it then uh what was the third thing that could happen. The third thing could happen would be manhattan bounce back uh the college market firms back up and you feel good about investing in manhattan again. Pull the money out of the s p and invest so you're parking it until something else moves another variable moves in this situation but checking account's not okay. Yeah and I realize that it's been but you know how it is time kind of flies when you're having fun. Well and I'm sure your bank is reaching out blowing up your phone with all their ideas and thoughts are real helpful right now and anthony mr drysdale's on paul mr drysdale's on the line. There's a fourth option you may begin to look at something that gets to be on sale where you've got someone that has to sell or is looking to sell and now you've put yourself in a situation to start to have some conversations about potentially buying. Yeah that that could happen as the market healed.

right in Manhattan. That's right. That somebody couldn't quite survive the turn, and it's making an upward turn, and you're comfortable with it. That could result in a really good purpose, great deal. Yeah, that's a very, very good point. Dr. John Dolone is, you know, one of his three 32 degrees. He's got more degrees than a thermometer in higher ed, and he's talked about with you and I and a bunch of us behind the scenes, and even some of what on the air, that to the extent that because of the student loan debacle and because COVID sent everybody home, and they realized these colleges are trying to charge us just as much sitting at home. I'm not getting like the college experience. I don't see any ivy on the walls here right at my house. So, to those two things hitting together are accelerating the demand for college degrees, on-campus living, college degrees. They're accelerating that demand, dropping, right? It's been dropping. We saw the student

loan. The COVID thing has pushed it over the edge, and so we are seeing some things like he's describing a college town like Manhattan, which is what Kansas State, right? Yep, it's Kansas State. And um, so uh, you know, we're seeing so many smaller towns where the economy is driven by college students. That's right. It's affecting their economies. It really is. There's a lot of those around America.

I have $500,000 in My Account, What Should I Do With It?

The Ramsey Show Highlights

캔자스시티의 앤서니의 재정적 딜레마

앤서니는 몇 년 동안 당좌 예금 계좌에 50만 달러를 보유하고 있습니다.

처음에는 부동산에 투자할 계획이었지만, 캔자스주 맨해튼의 불안정한 시장과 대학 진학률 하락으로 인해 망설이고 있습니다.

45세가 된 앤서니는 저축한 돈을 효과적으로 사용할 수 있는 방법에 대한 조언을 구하고 있습니다.

부동산 및 자산을 통한 부의 축적

이 발표자는 취미 농장, 임대 부동산, 150만 달러 상당의 부동산을 포함한 성공적인 재무 포트폴리오를 보유하고 있습니다.

또한 현금 10만 달러, 수표 50만 달러, 장비와 같은 기타 자산 40만 달러를 보유하고 있습니다.

무일푼으로 시작한 연사는 부동산 거래 사이에 현금을 확보하는 것이 중요하다고 강조합니다.

코로나19와 학자금 대출이 대학 수요에 미치는 영향

코로나19로 인한 학자금 대출 위기와 원격 학습으로의 전환으로 인해 대학 학위와 캠퍼스 내 생활에 대한 수요가 감소했습니다.

이로 인해 시장이 회복되면서 맨해튼에 투자할 수 있는 잠재적 기회가 생겼습니다.

또한 시장이 회복됨에 따라 매도를 원하는 개인으로부터 매수 기회가 있을 수도 있습니다.

코로나가 대학가 경제에 미치는 영향

코로나19 팬데믹으로 인해 캔자스주 맨해튼과 같은 대학가의 경제적 어려움이 심화되고 있습니다.

이 도시들은 경제적 안정을 위해 대학생들에게 크게 의존하고 있습니다.

발표자는 S&P 500 무부하 펀드에 투자할 계획이며, 맨해튼에 계속 거주하거나 투자에 더 유리한 시장으로 이사하는 등 다음 행보를 결정할 계획입니다.