재정적 운영 순서: 하이퍼 적립 전략 설명

### 재무 성장 탐색하기: 25% 절감 그 이상의 전략
* 💼 로건은 적립률 **25%에 도달한 후 적립금을 과도하게 모으는 최선의 방법**에 대해 문의하면서 **401k를 계속 사용할지 아니면 다른 투자 방법**을 모색할지 고민했습니다.
* 📈 25% 저축을 달성한다는 것은 절약을 의미하지만, 반드시 **401k의 한도인 23,000달러를 모두 채운다**는 의미는 아니며, 이는 **7단계인 과잉 적립 단계로 전환**한다는 것을 의미합니다.
* 7단계에서는 재정 목표를 정의하고 **적립된 자금을 향후 필요에 따라 효과적으로 활용하는 방법**을 이해하는 것이 중요하다는 점을 강조합니다.
* 💰 조기 은퇴나 더 오래 일하는 등 은퇴 계획에 따라 **세후 중개 계좌를 활용**하거나 세금 혜택을 위해 **Roth 401k 불입금을 최대화**하는 전략을 사용할 수 있습니다.
* 🔍 다른 투자 옵션에 비해 유연성이 떨어지더라도 **401k에서 25%를 저축하는 것**은 여전히 칭찬할 만한 성과라는 점을 기억하는 것이 중요합니다.
* 📊 재정적 운영 질서는 개인의 상황에 따라 최선의 접근 방식이 결정되므로 **다른 사람의 선택에 따라 자신의 계획에서 벗어나야 한다는 압박감**을 느껴서는 안 된다는 점을 강조합니다.
* 📚 백만장자 미션 책과 같은 리소스는 **다양한 계좌의 저축 관리에 대한 인사이트**를 제공하여 재무 전략에 대한 균형 잡힌 이해를 보장합니다.
* 💡 궁극적으로 개인의 목표와 상황에 맞는 맞춤형 재무 계획을 세우는 것은 **장기적인 성공과 보안**을 위해 매우 중요합니다.

로건은 25%로 저축을 극대화하고 있지만 투자 전략을 결정하기 전에 자신의 은퇴 목표를 고려해야 합니다.

[Music] all right this's next question. This is from Logan. Uh, all right. Logan said, Is there any recommendation for is this Wolverine? I don't think it's Wolverine. It might be. It could be. Um, is there any recommendation for where best to hyper accumulate after 25%? Is it fine to continue in my 401k as 25% does not max it out? In other words, I'm hitting 25% before I get fully out of Step six, or is there an advantage of holding or investing it elsewhere? We get this question all the time, Bri. How do we think about that? I know that only if only there was an easy solution by way you too should go to moneyguy.com resources, download this solution, but also subscribe to the channel. This is an order, a financial order of operations question without a doubt. How do you graduate Beyond step six, which is Max out retirement? You've already heard Logan share that he can reach 25% but still not max out the full what the government allows you to put into the 401K. That

means that he's extremely disciplined in actually maximizing his saving opportunities, but his income hasn't quite reached a point where it actually loads up when you get to 25% to the full $23,000 that the government allows you to maximize. So, I would tell you, Logan, you are officially graduated from Step six once you hit that 25%. However, once you get to step seven, hyper accumulation, it's got the funny little name because what hyper accumulation is exactly that was the name applies. You are now Beyond 25%. So, what do you do? Well, what do you do? You can't be a rudderless ship not knowing where you're going to go. You have to start thinking about what are you navigating to, what are your goals, because all steps 1 through six was like maximize the future by, you know, taxes, making sure you have emergency reserves. Step seven is the one that says, wait a minute, we actually need to think about where we're going to use this money, how we're going to use it, because when you

answer the why question. It is going to streamline. Okay, if I'm retiring in my 50s, I might need some after-tax brokerage account because that's going to be so much easier to get a hold of, especially if I'm retiring before 55, than any other retirement accounts are. However, if you're a person who says, I absolutely love what I'm doing, and I love tax savings, and I'm starting to get into a higher income tax situation because Logan might get some promotions in the future, then you, if you're working until 70, you might say, Yeah, let's go ahead and let's load up, especially that Roth 401k or something like that. So, it all depends. Don't skip step seven because that is where you get into the three-bucket strategy and also how you're going to use your money for the future. Yeah, we tell people all the time, and this is an important thing to say, If you're saving 25% for the future, you're doing what you're supposed to be doing.

like that's the goal. I feel like because of the way the financial order of operations is designed, people think, I have to get out of my 401k. I have to get out of my 401k. And while there are advantages to getting out of your 401k, and there are advantages to having an after-tax account, and there are advantages to having that liquidity, it is also okay if you just happen to be in the situation where, Hey, I live a modest lifestyle. I have a modest income. I'm saving 25%, and it's in my 401k. And when I retire, I'm going to be in probably the same tax bracket, or I may even be in a little bit of a lower tax bracket when my earned income goes away. That's okay. I feel like people, they feel like, Oh, if all I'm doing is saving 25% and it's all going into retirement accounts, I'm doing it wrong. That's not true. You're still doing

an amazing thing. Yeah, there's some other flexibility that could take place, but just because you can doesn't mean that you should and doesn't mean that you have to. You have to figure out what is the right plan for you. If you're going to retire at age 67 and as soon as you retire, you're going to begin drawing Social Security, and then you're going to have this big qualified bucket sitting out there, that's okay. That's okay. Don't feel like you have to mold to something else just because you think that's what everyone else is doing. Make sure you have a plan in place that makes the most sense for your situation. And for a lot of folks, Logan, they fall into this, Hey, I'm doing 25%. I'm not planning on retiring early. I'm building up an emergency reserve. I have cash. I can go buy a car if I have to buy a car. I'm going to keep doing the 401K thing. That's okay. There's two things I notice the team tried to put up that there

great resource. You know what will 25% do for you. So, if you go to money.com resources, we do have a great resource. So, you can actually see by your age what your savings rate is, what type of income replacement you can kind of anticipate in the future. The other thing I think when I think about step seven of the financial order of operations, it's very misunderstood because it has that title to it. That's, you know, I talked about you can go download the free resource, but I'd be a crazy person if I didn't tell you about Millionaire Mission, my book that came out, my New York Times bestselling book that came out, um, because I think I put a master class on one of the chapters that I was very proud of, was that I took the step of hyper-accumulation, and I really do think I gave you the details and the understanding that if you ever have questions of how am I supposed to be using my money, how am I supposed to be putting it between all the different

savings buckets, the after-tax, tax-deferred, and even the tax-free Roth accounts. We loaded you up when I put together the millionaire mission.

Where Should You Invest After Reaching 25%?

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로건은 401k를 완전히 채우지 못해 25% 저축에 도달한 후 어떻게 해야 할지 조언을 구하고 있습니다.

이 토론에서는 미래에 대한 명확한 재정 목표와 계획을 세우는 것이 중요하다는 점을 강조합니다.

7단계인 초집중 적립 단계에서는 목표 없이 자금을 모으는 것이 아니라 전략적으로 추가 저축을 사용하는 데 중점을 둡니다.

세후 계정과 은퇴 전략의 중요성

55세 이전에 은퇴하는 분들에게는 세후 중개 계좌를 보유하는 것이 자금에 더 쉽게 접근할 수 있기 때문에 매우 중요합니다.

70세까지 일할 계획이 있고 절세를 원하는 개인에게는 로스 401k에 적립하는 것이 더 나은 선택일 수 있습니다.

은퇴 계좌에 모두 저축하더라도 미래를 위해 25%를 저축하는 것은 여전히 유효하고 효과적인 전략입니다.

다른 사람들이 하는 것을 따라하기보다는 각자의 상황에 맞는 재정 계획을 세우는 것이 중요합니다.

비상 준비금을 쌓고 401K에 꾸준히 불입하는 것은 일반적인 방법과는 다르더라도 유효한 전략입니다.

저축률의 영향을 이해하고 돈을 효과적으로 사용하는 방법에 대한 지침을 제공하는 리소스를 이용할 수 있습니다.

저축 버킷에는 세후, 과세이연, 비과세 로스 계좌가 있습니다.

이러한 다양한 유형의 계좌는 재무 계획에서 중요한 역할을 합니다.

백만장자 미션에서 저축 버킷의 개념이 강조되었습니다.