젊은 전문직 종사자를 위한 로스 IRA 자금 조달 전략

### 로스 기부 탐색하기: 젊은 전문가를 위한 전략
* 💼 소득이 10만 달러인 24세의 조슈아는 4월 15일 마감일이 다가오면서 **로스 IRA 자금을 마련하기 위해 브로커리지 자산 매각**을 고려하고 있으며, **적시 납입의 중요성**을 강조하고 있습니다.
* 💡 브로커 계좌에서 인출하여 로스 계좌에 투자할 수는 있지만, 이 경우 **저축액을 늘리는 것이 아니라 기존 자금을 재분배**하는 것일 뿐이라는 점을 이해해야 합니다.
* 📉 브로커에서 자산을 매도하면 세금이 발생할 수 있으며, 특히 **상당한 이익이 내재된 경우** 의사 결정 과정에 이를 고려해야 합니다.
* 🔒 로스 IRA는 가치가 높지만 **연간 7,000달러만 납입할 수 있는 납입 한도**가 있으며, 세금 신고 마감일 이후에는 전년도에 누락된 납입금을 이월할 수 없습니다.
* 📊 이 토론에서는 어느 한 쪽을 선택하기보다는 균형 잡힌 재정 성장을 위해 **브로커리지와 로스 계좌 모두에 체계적으로 자금을 지원**해야 한다는 점을 강조합니다.
* 🚀 조슈아가 HSA를 최대로 채운 것은 재무 관리에 대한 탄탄한 이해를 보여주는 것이지만, 대화에서는 **로스 펀딩에 대한 적극적인 접근**이 필요하다는 점을 강조합니다.
* 💵 현금 흐름 문제를 방지하려면 비상 준비금을 유지하는 것이 필수적이며, **젊은 직장인의 재무 계획에서 유동성의 중요성**을 강조합니다.
* 📚 유동성을 신용에 지나치게 의존할 때의 함정에 대해 공유한 경험은 **투자 전략과 함께 현금 보유를 우선시해야 한다는 사실**을 일깨워줍니다.

조슈아의 재무 전략에는 최적의 성장을 위해 Roth IRA 자금 조달과 브로커리지 자산 유지가 모두 포함되어야 합니다.

[Music] All right, Joshua's question is up next. He says, Do I sell brokerage assets to fund my WTH if I can't make the April 15th deadline? For context, I'm 24 years old, married with a 100K income, um, and he's on step five already maxing out his HSA. What do you think? Okay, wait, so, well, look, I've done it for clients where we've gotten to where we're right by the April 15th deadline. You quickly review their situation. You say, Man, they didn't make a Roth contribution for last year. We could quickly do this. Stock market's been up, so we've made some money. Let's go pull it out of this brokerage account and then fund it in there. I'm not against that, but it does show me, Why didn't we fund this in addition to the, you know, there's a root. You need to triage to figure out why this was an afterthought versus being a proactive.

thing, yeah, so two. So, what you're saying is two things. One, we love dollars going into Roth, but if all we do is pull money out of our brokerage and put it into a Roth, we didn't actually save more money; we just moved where the air is in the balloon. We moved it from one bucket into—we didn't add more water; we just moved water from one bucket to the other bucket. I love the idea, though, because you could take away some of the water from the bucket, though, with taxes. With taxes, that's what if you have a lot of embedded gains or something like that inside your brokerage account. You may have to pay taxes in order to sell those assets to then transfer them over to Roth. That's something you want to take into account. However, even with all that said, Roth IRAs are so good and so valuable that not only does the government limit who can put money into them—if you make over a certain income, you can't even contribute directly to Roth—they also cap how much you can put in there every

year. You can only put in $7,000. And by the way, if you didn't fill up your $7,000 bucket last year, it's not like you get to roll over and make up for it after the tax filing deadline this year. So there's a little bit of scarcity associated with getting those dollars in. And so, Brian, I know we've both counseled young professionals in the past, Hey, every time that you can get money in that Roth, you really ought to focus on doing it. It's why we make it step F. Will you hold up the thing, Brian? It's why we make it step five with the financial order of operations. That's how powerful and how important it is. So I love the idea of you making sure you max out that WTH. Don't miss out on doing that. But I agree with Brian going forward. I would love to see a world in which not only are you saving to The Brokerage and adding assets there, but you're also systematically funding the Roth so that it's not either/or; you're doing both/and.

building up both those buckets. Use this as a, you know, fork in the road moment that says, Hey, why didn't I fund the Roth through like a dollar cost averaging? Now, if it's an income element or some other complexity, I get it. But the way the question was structured, Joshua, it sounds like you have more assets into the brokerage than you do in the Roth. We just got to make sure we're triaging that to figure out what's the path forward so that we're, because it's back to the key point Bose said, Are you taking water from the bucket or are you actually putting water in? Because it's those initial behavior steps of living on less than you make and actually having the discipline, the discipline of living and saving and investing 25% of your gross income, that is going to let your money work harder than you can with your back, your brain, and even your hands. So, don't skip that part of the mindset. You know what I love that Joshua said? What, already maxing my HSA? See, so I mean

I think he gets it. I mean, it's just a matter, so um, it's just, and sometimes we get pinched. I get it from a cash flow, sure, you know, um. That's the other thing that always, why the emergency reserves is so important. That's why we cash is so important. It gets steps one and four is because you don't want to get pinched on having liquidity in your life. It's because I know as Financial mutants, we're always like, I want everything working, but that sometimes can be a trap as well. And I laid that out in millionaire mission where I share how I thought a home equity line was the bridge that was going to keep me from having um cash reserves. And if you've read the book, you know a complete disaster, a disaster that led to prayers answered prayers, and then I've never stepped off the path of having cash reserves. Yep.

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로스 IRA 자금 조달: 브로커리지 자산 판매하기

소득이 $100,000이고 HSA 한도가 최대인 24세 조슈아는 4월 15일 마감일 전에 브로커리지 자산을 매각하여 Roth IRA 자금을 마련하려고 합니다.

브로커리지에서 Roth로 돈을 옮기는 것이 유리할 수는 있지만, 전체 저축액이 늘어나지는 않으며 자산 매각으로 인해 세금이 발생할 수 있습니다.

Roth IRA는 가치가 있지만 정부에서 정한 소득 및 납입 한도가 있습니다.

전년도에 사용하지 않은 자금은 이월할 수 없으므로 7,000달러의 로스 불입금을 최대한 활용하는 것이 중요합니다.

Roth에 돈을 모아야 한다는 긴박감이 있기 때문에 재무 계획에서 우선순위로 삼아야 합니다.

최적의 자산 성장을 위해서는 브로커리지에 저축하고 Roth에 체계적으로 자금을 조달하는 균형 잡힌 접근 방식이 권장됩니다.

전략적 재무 계획: 로스 대 브로커리지

연사는 특히 브로커리지에 자산이 많을 때 달러 비용 평균화를 통해 로스 계좌에 자금을 조달하는 것이 중요하다고 강조합니다.

또한 재정 자원을 분류하고 필요 이하로 생활하는 데 집중해야 한다고 강조합니다.

연사는 총 수입의 25%를 저축하고 투자하여 돈을 더 열심히 일하고 재정 목표를 달성하는 것의 중요성을 강조합니다.

현금 흐름에 문제가 생기면 재정적 스트레스가 발생할 수 있으므로 유동성을 위해 비상금을 확보하는 것이 중요합니다.

홈 에퀴티 라인이 있는 연사가 경험한 것처럼 모든 돈을 사용하려는 욕망은 함정이 될 수 있습니다.

발표자는 재정적 재난을 피하기 위해 현금 보유를 유지하는 것이 중요하다고 강조합니다.