75/15/10 법칙: 자금 관리로 부를 쌓기

### 75/10/15 법칙: 1%처럼 돈을 관리하기 위한 종합 가이드
* 💰 **75/10/15 법칙**은 소득 수준에 관계없이 부를 쌓을 수 있는 시스템으로, 세 가지 주요 단계를 따라야 합니다.
* 💸 수입 1달러당 물건을 사는 데 **최대 75센트를 지출**해야 하므로 더 저렴한 대안을 찾고 가치에 집중하도록 권장합니다.
* 🛡 10% 저축 규칙에 따라 비상시를 대비해 **수입의 10% 이상을 저축**해야 하며, 권장 금액은 **5개월치 비용**입니다.
* 📈 고수익 예금 계좌는 **기존 예금 계좌보다 훨씬 높은 이자율**을 제공하기 때문에 비상 자금을 보관하는 데 이상적입니다.
* 🌟 **15% 투자 법칙**은 자산을 소유함으로써 진정한 부를 쌓을 수 있으므로 미래를 위해 **수입의 15% 이상을 투자**해야 한다는 원칙입니다.
* 🏦 여러분이 시작해야 할 두 가지 특정 투자 계좌는 **Roth IRA와 401K**이며, 두 계좌 모두 **주요 세금 혜택**을 제공합니다.
* 📈 인덱스 펀드나 ETF는 **자동 분산 기능**을 제공하고 역사적으로 **좋은 수익률**을 보여 왔기 때문에 일반적으로 투자에 권장되는 상품입니다.
* 💡 "돈을 더 잘 벌기 위해 열심히 노력해도 가끔은 여전히 부족하다고 느낄 때가 있습니다."

75/15 법칙으로 1%처럼 돈을 관리하세요: 소득에 관계없이 75%는 소비하고, 10%는 저축하고, 15%는 투자하여 부를 쌓으세요.

if you want to manage your money like the 1%, I'm revealing the 75/15 rule that would allow you to build wealth regardless of how much you earn. It's a system that adapts to your income level, whether you earn $10,000 or a million dollars a year. Because no matter how much you earn, you're always going to follow these three steps. First, for every dollar that you earn, 75% or 75 cents of it will be the maximum amount you can use to spend to buy things: housing, food, vacations, Mr. Magic lamps. If you can spend less than 75% of your income, that's fantastic. But the beauty of the 75% limit is it gives you flexibility and encourages you to do two key things. First, it forces you to look for cheaper alternatives: premium gas or regular, organic free-range guacamole or regular, Whole Foods or Aldi. So most of the wealthy people that I know share this common trait, which is what I noticed after starting my own business and

networking with other entrepreneurs, which honestly is a big deal for me because I'm naturally an introvert. But the most unexpected and revealing moment was when both of us went out for dinner after an event, and everyone was asking the waiter for happy hour specials and the cheapest wine they had. And I kid you not, when the bill came, people literally pulled out their phones to calculate how to evenly split the bill so everyone only paid for exactly what they had, down to the last cent. And keep in mind, these people were all millionaires. Next, the 75 limit forces you to focus on value. You've probably heard countless times before to stop buying coffee and instead save and invest that money, but I believe that's the wrong way to look at it. Instead, before you make any purchase, you should ask yourself how much do you value the thing that you're buying. If that $5 iced coffee makes you the happiest person in the world, makes you more productive, social, and reduces your stress for the rest of the day, then chances are the

value you get from that cup of coffee is way more than the $5. It cost so go get it instead of grasping at the little purchases and attempting to save money. It's more effective to focus on the bigger expenses: a brand new car, 100in TV, or a cheese dispenser. The thing with big purchases is it'll make you happy for a temporary amount of time, but after that initial honeymoon period ends, your happiness level is right back where it started. Then that 70k car just becomes a regular old car with the same functionality as every other car. So if you manage to spend less than 75% of your income, like you only spend 60% of it, then I need you to hold on to that 15% difference because I'm going to show you what you need to do with it in a bit. Next, the 10 in the 75-105 rule says that for every dollar you earn, you should save at least 10% or 10 cents of it.

this thing called a cushion fund. A 2022 study found that as much as 56% of Americans can't afford an unexpected $1,000 expense. Think of your cushion fund as a cash reserve that's specifically set aside for financial emergencies. And emergencies don't include a wild night out, vacations, or fried chicken cravings. This money should only be used when pretty much all hell breaks loose. When your house gets flooded, when you get stranded in the middle of nowhere and have no other options, basically when your life is FUBAR. So about 8 years ago, I got into a really, really bad car accident that pretty much destroyed the front of my car. I was in a completely different state and I didn't know anyone, but the mechanic said that it was going to cost about $15,000 to fix. And I was really stressed out because I had no idea how I was going to come up with this kind of money. I even considered taking on a loan even though I knew that the interest for

it would easily cost way more than that amount of money. But then I remember that I had my cushion fund saved for emergencies just like this. The good news is determining how much you actually need in your cushion fund is simple. Open up a spreadsheet and take account of all your monthly expenses: rent, pineapple pizza, bills. Multiply this total by five. If your monthly expenses are $2,000, you generally want to save for 5 months of expenses, so your cushion fund is $10,000. Once you have your total, you need to commit to saving this amount. I built this savings goal tracker to help me save money a lot faster. I just put in how much I want to save, and then I can track my progress and visually see where I'm at. For a limited time, I'm giving away my ultimate savings goal tracker for free with the link below. But what's even more important is where you store your cushion fund. While most people keep their savings in a traditional savings account like Chase or Bank of America, there are much better places called high

yield savings accounts or HYAS because they give you much higher interest rates, which allow you to grow your money a lot faster. With traditional savings accounts like Chase, the national interest rate is 0.5% APY, meaning if you put $10,000 in the account, at the end of the year, the bank is just going to give you $57 in interest, leaving you with $10,057. On the other hand, a high-yield savings account can offer you 4% APY, meaning at the end of the year, they'll give you $400 in interest, leaving you with $10,400. I'll leave some high-yield savings accounts you can check out below, but an even bigger problem is most people don't know when to stop saving money. The reality is you don't always want to just save your money forever. Once you have your 5 months' worth of cushion fund, stop saving and just hold on to that 10% amount you were going to save, and I'll show you what you need to

do with it next the 15 in the 75/10 15 rule says that for every dollar you earn you should invest at least 15% or 15 cents of it for your future. And there are two specific accounts you should start investing with to optimize your taxes. You basically want to funnel any extra funds that you have into this particular step because the whole point of the 15% rule is to put your money to work so you can build assets and wealth. Because real wealth is built by owning assets. The problem is we were only taught how to make money from our work in labor. That's pretty much what school teaches us - how can you get a high-paying job. But the wealthiest people in this country don't make their money from their job. They make their money from their assets. And after reading Rich Dad Poor Dad by Robert Kiyosaki, I realize that you can be completely broke with a high-paying job. But if you have assets, you can spend all your money today and still be wealthy.

next month. But unfortunately, like many people, I never learned in school, nor did our parents teach us this. I pretty much had to go out of my way to learn this from reading and studying Finance with books like psychology of money and the intelligent investor. But this is one of those things that once you learn it, you can never unlearn it. But if you don't learn it, you might never learn it. And if you don't learn it, you're never going to be able to build true wealth. There are two specific investment accounts you should start investing with because of major tax advantages. First is the Roth IRA, which is an individual retirement account. The main advantage of having a Roth IRA is that your earnings and profits grow tax-free. That means when you retire and withdraw all their earnings, you won't pay any taxes on it at all. For instance, Peter Thiel famously grew his Roth IRA account to $5 billion. And what's wild is that when he decides to withdraw from it, he's going to pay 0 in taxes on it. The caveat is that you can

only contribute money that has already been taxed, meaning after you received your paycheck. And the Roth IRA benefit is so great that the government limits how much you can contribute to it. In 2024, if you're under the age of 50, you can only contribute $7,000 a year into a Roth IRA. And if you're over the age of 50, you can contribute $8,000 a year. It's a pretty straightforward four-step process to both open and contribute to a Roth IRA. First, you need to have what's called earned income, meaning that you need to get your income working for someone else, yourself, or a business that you own. Second, you want to go to any brokerage website like Fidelity, Schwab, or Vanguard and select the option to open a Roth IRA account. Third, once you have your account open, you want to transfer money from your regular bank account to your Roth IRA account. Fourth, and please make sure you pay attention because many people completely miss this step and wonder why their Roth IRA account hasn't grown.

20 years and it's because you actually need to purchase some investment ments in the account. Don't worry about what you should invest in. I'm going to share my favorite Investments later where I can basically just set it and forget it. The second account you should invest with is the 401K, which is an employer-sponsored account, meaning you can only have a 401k account if you work for an employer that offers it, but thankfully many companies do. Unlike a Roth ra all your contributions to the 401K is made with pre-tax dollars, meaning you'll pay taxes on the money later. The idea is many people's income in will be lower when they retire, so people are expecting to pay a smaller amount of taxes on the money in the future compared to now. You basically assign a portion of your paycheck to be contributed to the 401K, and this account has a much higher contribution limit of $23,000 per year as of 2024. One of the biggest advantages of the 401K is that

many employers offer an additional benefits, where they match your contribution, basically meaning they give you free money. The most common employer 401K match is a 100% match for the first 3% you contribute, with a 50% match for the next 2%. It sounds really confusing, but basically if your salary is $65,000 and you maximize your contributions up to the employer's match, you would contribute 5%, or $3,250 in a year, and in return your employer would immediately match and give you another $2,600 for free, no questions asked, totaling $5,850 in your 401k. And again, it's basically like free money for you and your retirement in the future. So if your employer offers this, this is an absolute no-brainer. So after you have either one of these or both of these retirement accounts, you need to figure out where to invest your money. And before I tell you what I personally invest in, here's a practical reason that the wealthy invest.

in assets, if you invest just $100 every month for 50 years at a rate of return of 10%, at the end of the 50 years, you would have only contributed about $60,000. But from overtime in the stock market and returns, your total portfolio value will be $1.4 million. Also, Mumu, the investment app that I personally used, is giving away five free stocks valued up to $10,000 if you open a new account and deposit $100 with my link below. Anyways, for most people, investing in an index fund or ETF is all that you really need to do. Basically, instead of investing in one stock that can either go up or down, with an index fund or ETF, you actually invest in hundreds of different stocks. You automatically diversify your money and reduce your overall risk, meaning you can pretty much just set it up and forget it. For example, if you were to buy an S&P 500 Index Fund, by buying that one fund, you would own a small percentage of every single stock in the S&P 500, thus

you track the entire index that would automatically provide you with diversification because your investment is now spread across the top 500 companies in the US. And by buying an index fund, it's actually a lot cheaper than buying into each of these 500 companies individually on their own. Index funds are usually a great safe bet in a retirement account because based on the average over the course of the past 80 years, index funds have improved to return about 8% a year. Some years are naturally going to be higher than others, but on average, you can expect your money to grow and compound over time. So with most of my money, I invest in passively managed index funds like FXA or VO because it's easy and really straightforward. But you can invest in whatever you would like. There are a ton of ETFs and index funds out there. And if the funds that I choose are available in your 401k, you can just look for another type of index fund that invests in a lot of companies in the US.

and you should be pretty golden for the most part. Which leads me to something that you've got to start accepting, and it's that even if you're trying your hardest to be better with money, sometimes you might still feel like you're not doing enough. And that might be because you don't know the 10 things you should never waste your money on. Click here to learn the 10 things you need to stop buying immediately.

How To Manage Your Money Like The 1%

Hi, I'm Vincent! I'm on a mission to help you live a wealthier and healthier life.


Vincent Chan

75/15 법칙: 모든 소득을 위한 부의 축적 전략

75/15 원칙은 수입의 75% 이상을 지출하지 말라는 것으로, 검소하고 가치 중심적인 지출을 권장합니다.

또한 수입 금액에 관계없이 수입의 10% 이상을 저축할 것을 권장합니다.

이 규칙은 구매의 가치에 집중하고 나머지 15%의 소득을 현명하게 배분하는 것이 중요하다는 점을 강조합니다.

재정적 긴급 상황에 대비한 쿠션 펀드의 중요성

쿠션 펀드는 예상치 못한 지출을 충당하는 데 필수적이며, 총 지출의 5개월치에 해당하는 금액이 있어야 합니다.

쿠션 펀드를 효과적으로 조성하려면 구체적인 저축 목표를 정하고 진행 상황을 추적하는 것이 중요합니다.

쿠션 펀드를 적립하는 데는 고수익 예금 계좌가 더 높은 이자율과 빠른 자금 증가를 제공하기 때문에 권장됩니다.

소득의 15%를 로스 IRA에 투자하는 것의 중요성

75/10 15 규칙은 소득의 15%를 자산을 통해 부를 쌓는 데 투자하자는 것으로, 세금 혜택이 있는 Roth IRA에 중점두고 있습니다.

Roth IRA는 50세 미만은 연간 7,000달러, 50세 이상은 8,000달러의 불입 한도로 소득과 수익에 대해 비과세 혜택을 제공합니다.

Roth IRA를 개설하고 불입하려면 근로 소득이 있어야 하고, 브로커를 통해 계좌를 개설하고, 일반 은행 계좌에서 계좌로 돈을 이체해야 합니다.

401k에 투자하면 세전 적립금과 잠재적인 고용주 매칭을 통해 장기적으로 상당한 혜택을 누릴 수 있습니다.

인덱스 펀드 또는 ETF는 자동 분산 투자 및 위험 감소를 제공하므로 장기 투자를 위한 유지 관리가 적은 옵션입니다.

복리의 힘을 이용하면 매월 적은 금액을 불입하더라도 시간이 지남에 따라 상당한 성장을 이룰 수 있으므로 일찍 투자를 시작하는 것이 중요합니다.

인덱스 펀드에 투자하면 개별 투자보다 저렴한 비용으로 미국 상위 500개 기업에 자동으로 분산 투자할 수 있습니다.

인덱스 펀드는 지난 80년 동안 평균적으로 연 8%의 수익률을 보여 은퇴 계좌에 안전하게 투자할 수 있는 상품입니다.

FXA 또는 VO와 같은 수동적으로 관리되는 인덱스 펀드는 간단하고 쉽게 투자할 수 있으며, 시간이 지남에 따라 돈이 늘어나고 복리 효과를 누릴 수 있는 방법을 제공합니다.