부채 및 투자 관리하기: 재무 전략 가이드

### 33세의 부채 및 투자 전략 탐색하기
* 💬 5.9%의 부채를 가진 33세의 Maryanne은 **부채 상환보다 로스 불입금을 우선시**하면서 시장 기회를 놓칠까 걱정하고 있습니다.
* 📊 재정 운영 질서에서는 비상 자금을 마련하거나 로스 IRA에 투자하기 전에 **고금리 부채를 먼저 해결**해야 한다고 강조합니다.
* 🔍 단계를 건너뛰면 재정적으로 부정적인 결과를 초래할 수 있으므로 **Maryanne은 재무 전략을 재평가**하여 단계를 올바르게 따르고 있는지 확인하는 것이 중요합니다.
* 🧐 고금리 부채에 대한 인식은 다양할 수 있습니다. **5.9%가 높은 수치**로 여겨지지 않을 수도 있지만, 전반적인 재무 상황의 맥락을 평가하는 것이 중요합니다.
* 🏦 이 토론에서는 현금 준비금과 직업 소득 잠재력의 중요성을 강조하며, **메리앤이 소득이 증가하면 재정적 결정을 더 유연하게 내릴 수 있음**을 시사합니다.
* 🚗 그녀의 부채가 자동차 대출이고 **238 규칙(20% 선납, 3년 할부, 총소득의 8%를 초과하지 않음)**을 준수하는 경우, 관리가 가능하여 로스 또는 HSA 자금 마련을 진행할 수 있습니다.
* 💡 궁극적으로 개인 재무는 각 개인에게 고유하며, **Maryanne은 자신의 특정 상황, 특히 자신의 나이에 맞게 자금을 최적으로 운용**해야 합니다.

Maryanne은 로스 IRA에 투자하기 전에 5.9%의 부채를 우선적으로 갚아야 합니다.

[Music] all right. Maryanne has a question for you next. She says, I'm 33 with a decent amount of debt. I'm worried about time missed out of the market, so I'm maxing my WTH before paying my high-interest debt, which is at 5.9%. Due to the time it will take to pay that off, what are your thoughts? Wait a minute, is the high-interest debt 5.9%? We might have different definitions of high. You should talk about that. Yeah, so now, now real. She is 33. She's 33, right? So, so 33. Let's assume first, first Maran, let's assume that you have decided that, Hey, I've got high-interest debt, but instead of doing that, I'm going to go fund my Roth. Well, you've already made a mistake here because we have the financial order of operations, Bri. We hold the thing up. We have a nine-step tried-and-true process that will walk you through exactly what you should do with your next dollar if you don't have your

copy of the food. You can go to money.com resources and download your free copy. Well, step number three is high in debt, and what that suggests is that if you do have high-interest debt, if you have credit card debt or consumer debt or some sort of debt that in your circumstance qualifies as high interest, you need to satisfy that debt before you even build a fully funded emergency fund and before you start funding a Roth or HSA. So, I'd be curious, Mar Maran maranne, if you are already doing the WTH. Does that mean that you also skip the emergency step phase? Because it's real bad to skip one step of the Foo. It's real, real bad to skip two steps of the food. So, I would reassess where I am and am I following the food the way that I should be following the food. Now, you posed a very great question at 33 years old, 5.9%. When I think of high in debt, 5.9% is not what generally pops in my head. I'm thinking like credit cards like

20% 25% when it comes to high interest. Did that strike you as well? I know probably some of this falls into, we have a great illustration. When I wrote Millionaire Mission, we've used it in a lot of our content too, is we talked about there's this spread between the risk-free rate of return and then what the risk premium that you count on when you invest. It is so hard, and this is something I struggled with when I was writing the book, is that that number obviously varies based upon where interest rates. We had been in a period for the last 10 to 15 years where interest rates were incredibly low. Now we're in a period where interest rates have been much higher, where even you could get close to 5% on your cash alone. So it's a much more, I gave a very definitive answer in the book, and we've done it in our show, but just know that there is some variability. And MaryAnn, you are in that kind of slightly

Gray Zone, and that I do love the Roth account so much so that it's something to be considered, but I'm not willing to push that needle over. Bo is exactly right; you got to have cash reserves, and I'm worried if you ski that. And then I'd also ask you about where you are in your financial career, I mean with your career, and the shovel opportunity of income. Because I think I had given a discussion with you guys, is that I had a friend when we all graduated college together. She was an attorney, and she was, I mean, right out of the gates doing really well, but she did have some student loans. And she was foregoing doing her employer plan because she had student loans. She was also foregoing doing the Roth IRA because she had these student loans. And I was trying to make the point to her, is that, look, you're going to be making six figures within likely the next two and a half to three years, and at

that point that for a single person, six figures was where you kind of phased out of the Roth contributions. And so, I was like you based upon your career opportunity and your income opportunity. I think you're missing out 'cause the government's not going to let you come back and refund those Roth IRA contributions back door. I believe, yeah, this is before all the back door. This is definitely pre-2010. So, uh, Maran, if you're part of that, if you have a great shovel, meaning you have a career where your income is going up 10, 15, 20% every year, um, take that into account too because that, that, there are moments in time and you're look without a doubt. I think based upon what I've put in the book and what we've done on shows, 5.9 for somebody in the 30s could be perceived as high interest debt. It's just, but you have to then let put the overlay filter of where you are in your career, what's your income opportunities, and what's

your chance that you're not even going to be able to fund Roth going forward outside of your employer plan, and then you might even want to have tax savings depending upon where you are in your income tax rate. Yeah, and I think what's really 5.9, this could be a car payment. Well, one of the reasons why, or this could be a car loan. One of the reasons why we developed 238, you know, you put 20% down in your automobile, don't finance any more than three years, and it can't be more than 8% of your gross income. Even if this is an auto loan payment, but you're following 238, I would argue that that would then satisfy you hitting step number three because you have that debt management, you have that. Well, then if it's a car loan and it's inside a 23A, you followed the rules, then you could move to step four. She did say she has a fully funded emergency fund. That's great. So then you can go to funding a Roth or funding an

HSA, but you have to do again a little bit of personal assessment because personal finance is personal, to make sure that you're doing the most optimal decision with your dollars that you could be doing, because every dollar is so powerful, especially for someone who's 33 years old. You just want to make sure you're using it in the best way available to you.

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부채 및 투자 우선순위 33에서 관리하기

33세의 Maryanne은 고금리로 간주되는 5.

9%의 부채를 갚기 전에 WTH를 최대로 늘리려고 합니다.

재정 운영 순서에 따르면 비상 자금을 마련하거나 로스 펀드를 조성하기 전에 부채 상환에 우선순위를 두는 것이 좋습니다.

그녀는 자신의 재무 전략을 재평가하고 단계를 올바르게 따르고 있는지 확인하는 것이 중요합니다.

이자율이 투자 결정에 미치는 영향

높은 금리로 인해 무위험 수익률과 투자에 대한 위험 프리미엄 사이에 상당한 스프레드가 발생했습니다.

지난 10~15년 동안 이자율의 변동성으로 인해 일관된 투자 전략을 결정하기가 어려웠습니다.

특히 학자금 대출이 있는 경우 투자 결정을 내릴 때 현금 보유의 중요성과 자신의 금융 경력 궤적을 고려하는 것이 중요합니다.

로스 IRA 납입 및 부채 관리의 중요성

소득이 6자리 수인 개인의 경우 Roth IRA 적립금이 단계적으로 폐지될 수 있으므로 미리 계획하는 것이 중요합니다.

고금리 부채의 영향을 평가할 때는 경력 성장과 소득 기회를 고려해야 합니다.

자동차 대출에 대한 238 규정과 같이 부채 관리에 대한 체계적인 접근 방식을 따르면 개인이 Roth IRA에 자금을 조달하고 재정적 안정을 달성하는 데 도움이 될 수 있습니다.

개인 재무는 각 개인에게 고유하므로 최적의 의사 결정을 위해서는 개인별 평가가 중요합니다.

특히 33세인 사람에게는 1달러가 큰 힘을 발휘합니다.

따라서 가능한 최선의 방법으로 재정 자원을 사용하여 그 효과를 극대화하는 것이 중요합니다.