재무 계획: 비용과 수입을 효과적으로 관리하기

### 개인 재정 탐색하기: 238 규칙 및 라이프스타일 조정에 대한 이해
* 💰 Go Cubs 1989는 재정 관리에 대한 날카로운 질문을 던지며 **기부 10%, 저축 25%, 주택 담보 대출 25%, 세금 20%, 자동차 할부금 총액이 수입의 16%**에 달한다고 밝혔습니다.
* 📉 토론에서는 238 규칙에 따라 자동차 페이먼트가 **월 총소득의 8%를 초과해서는 안 된다**는 점을 강조했는데, 이는 Go Cubs가 현재 자동차 페이먼트에 과도하게 지출하고 있다는 의미입니다.
* 🏡 이상적인 주거비는 **소득의 25% 미만**이어야 하며, **20% 내외**를 목표로 하면 재정적 부담을 덜 수 있습니다.
* 🔄 재정 상황을 개선하려면 다른 분야의 지출을 줄이거나 수입을 늘려 **총 수입에서 생활비가 차지하는 비중이 줄어들도록 해야 합니다.**
* 📊 money.com에서 제공되는 자료는 특히 20대와 30대의 경우 **25% 저축 목표**의 의미를 이해하는 데 도움이 될 수 있습니다.
* 🌱 연사는 **목표 저축률 25%를 달성하는 것**은 칭찬할 만하지만, 시간이 지남에 따라 소득이 증가함에 따라 지출 습관을 조정하는 것이 중요하다고 강조합니다.
* 💪 40대가 되면 소득에서 주거비가 차지하는 비중이 줄어들어 **재정적 압박이 완화**되는 경우가 많습니다.
* 📈 전반적으로 이 대화는 재무 지표를 이해하고 후회 없이 개인 재정을 효과적으로 관리하기 위해 **라이프스타일 선택을 조정하는 것**이 중요하다는 점을 강조합니다.

재정적 안정을 위해서는 지출을 줄이고 수입을 늘려 더 건강한 라이프스타일을 유지해야 합니다.

[Music] um do you want a spicy question or a popular question next? Choose Your Own Adventure. I mean, it's spicy, right? Throw a little hot sauce on there. Go in Nashville. All right, Go Cubs 1989 has a question, and he says, Spicy question alert. I give 10%, save 25%, 25% for my mortgage, pay 20% in taxes, and have two car payments of 16% per the 238 rule. Are you saying I have to figure out how to live on 4% of my income? All right, read them to me a little bit slower. Uh, pretend like I don't write real fast. I have give 10%, save. You should check this math. That's true. Taxes 20%. Um, car 16%. Two car payments, which I know you're going to talk about. Um, did you get that? He gives 10%, saves 25%, 25% for mortgage. 25% for mortgage, yes. That's the one I think you didn't have. Well, you've done one thing interesting. Go Cubs. Um.

you chose, and this is fine to go at the top end of all of our metrics. Uh, yes, we say that when it comes to your mortgage, your total housing cannot exceed 25%. What we're not saying is that you should shoot for maxing that out at 25%. What we'd love to see is if the housing cost was some number less than that. Maybe it's 20%, maybe it's 21%, maybe it's 15%. That'll give you a little bit of reprieve there. The other thing that you did, and this is the biggest error that I see, is that you said, Hey, I've got 16% going to car payments. That is not the way the 238 rule works. The way the 238 works is you have to put 20% down when you buy a car. You cannot finance for any more than 3 years or 36 months, and all of your car payments combined, whether you have 1, 2, 3, 5, 10, 12 cars, cannot exceed 8% of your monthly gross income.

so I would argue if you're at 16% for your cars, you have doubled that. But since you use all the numbers, I'm going to assume this is a hypothetical. So let's back that down to eight. We just gave you 8% back, so now you have 12% that you theoretically could live on. This is not any different than folks who are in the messy middle. This is not any different than folks who feel like they have a thousand different things pulling them in a thousand different directions. I think what you have to figure out, what you have to really lay into, is how can I get my lifestyle footprint as small as possible. So if I am in that 25% mortgage, if I'm thinking about buying a house, maybe I don't want to go to 25%, maybe it should go to 20%. Are there other areas that I can squeeze and get my footprint down? Or if I can't spend less, if I can't get my numbers down, how do I then think about getting my income up so that these

things that are expenses that are pulling on me are a smaller percentage of the total gross income that I'm working with. I love that the spiciness was that this was kind of a got you, but I actually love because it shows how we've actually taken into account and done the nerdy stuff. And let's go through a few things. If you go to money.com resources, we actually, and I know it's not titled this, but this is what I call it every time, and we got to just change the title of it. What will 25% do for you? We have a resource, you know, find out how much you need to save. I think that's what it's actually titled. And we've put it up on the screen right now. 25% is aspirational for people in their 20s. I know that. I mean, but I want you to start somewhere. I don't care. And what I love about that illustration, it shows 10% is pretty damn good in your early 20s. 15% is

outstanding in your late 20s. It's really, by the time you get in your 30s, you should be really trying to get into that 25% of the mortgage. I think about myself; there are seasons in my life where I maxed out that 25% of housing, but now look at where I am, and my housing is almost like a rounding error in my life. Um, because my house is pretty much paid off. Um, if you look at my living expenses or the housing expenses compared to what I'm making, income, I mean, we're not even close to three, four, even 5%. So, I think that there's some actual flex for my super young um, people who are watching this, my financial mutants. You are in the aspirational side on the savings rate, rate of the 25%. You're probably not going to have a mortgage at that. So, there going to give you some squeeze of the balloon or play with the numbers and forgo cobs once you B's right. The messy middle is the

hard part that 30s because I'm kind of hoping you are in the 25%. I'm also know you're probably going to need to buy the house in that phase so that's why you are going to get squeezed where you're both short on time. You're short on money but it's still your money is so valuable and go to the wealth multiplier at money.com resources to see why we say this works but that is hard part but then once you get into your 40s this gets so much easier because your income is now reaching Peak earning potential. Your housing is set and it's getting to be a smaller and smaller cost of your total total expenses as a percentage and it all kind of fixes itself so go Cubs you you did a great job of trying to to to lock it down but I think I've just showed you there's enough play in the system. We've lived enough life. We've worked with enough wealthy people. We know how this all kind of is going to play out for you and we tried to equip

you with all the tools so that you can navigate it well and not have regrets once you reach each step in this journey.

"Can I Live on 4% of My Income?"

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한 청취자가 기부, 저축, 세금, 모기지, 자동차 페이먼트에 자금을 배분한 후 소득의 4%로 생활하는 것이 가능한지에 대해 질문합니다.

연사는 모기지는 이상적으로 소득의 25% 미만이 되어야 한다고 강조하고 자동차 페이먼트에 16%를 할당하는 일반적인 실수를 강조합니다.

또한 자동차 할부금 총액이 월 총소득의 8%를 초과해서는 안 된다는 238 규칙의 올바른 적용을 명확히 설명합니다.

생활비 지출을 줄이는 것이 지출과 수입 관리의 핵심입니다.

주택담보대출 비율을 낮추고 다른 부분에서 비용을 절감할 수 있는 방법을 찾아보세요.

지출을 줄이는 것이 불가능하다면 수입을 늘려 총 수입에서 지출이 차지하는 비율을 낮추는 데 집중하세요.

20대와 30대의 주거 비용 탐색하기

20대 후반에는 주거비를 소득의 25%로 유지하고 나이가 들수록 이 비율을 낮추는 것을 목표로 삼으세요.

30대가 되면 한정된 시간과 돈을 관리하면서 주택을 구입해야 하므로 어려운 시기가 될 수 있습니다.

하지만 40대가 되면 소득이 정점에 달하고 총 지출에서 주거비가 차지하는 비중이 줄어들어 재정적 안정을 더 쉽게 달성할 수 있습니다.

여행을 성공적으로 진행하려면 올바른 도구를 갖추는 것이 필수적입니다.

각 단계에서 준비하면 후회하지 않을 수 있습니다.

그 과정에서 집중력을 유지하고 정보에 입각한 결정을 내리는 것이 중요합니다.