재무 목표를 위한 이전 기회 비용 평가하기

### 이사 결정 시 재정적 목표와 생활 목표의 균형 맞추기
* 💸 Cade M은 가족과 더 가까운 새 집을 구입하면 **15%의 추가 저축이 불가능**하고 은퇴 저축에 영향을 미칠 수 있다는 점을 고려하여 인상과 승진 후 이사할 때의 기회 비용에 대해 고민하고 있습니다.
* 🎯 이사 같은 재정적인 결정을 내릴 때는 **목표와 그 돈으로 무엇을 달성하고자 하는지** 고려하는 것이 중요합니다.
* 🏠 최적화도 중요하지만, 금전적이지 않은 목표를 달성하기 위해 **돈과 리소스를 사용하는 것**도 중요합니다.
* 💭 "돈은 도구일 뿐입니다. 돈은 필요하지만 **모든 의사 결정의 중심**이 될 수는 없습니다."
* 👓 계획과 꿈을 구분하기 위해 **꿈의 계획, 현실적인 현실, 최악의 경우인 "두두 계획"** 등 세 가지 버전의 인생이 어떻게 될지 생각해 보세요.
* 🗣 궁극적으로 사랑하는 사람들과 대화를 나누고, 선택을 하고, 후회 없이 삶을 극대화할 수 있는 계획을 세우세요.

Cade M의 높은 소득과 저축률 덕분에 은퇴 및 기타 저축에 대한 잠재적 트레이드오프에도 불구하고 가족과 더 가까운 곳으로 이사할 수 있습니다.

[Music] Okay, Cade M has a question. He says, How do we measure the opportunity cost of moving after raises and promotions? Our mortgage is now 8% of our gross. We save 25% for retirement and an additional 15% for other savings. We want to move closer to family in another state. Remote work enables that for us, but buying a new home would prevent us from saving that additional 15%. It might even eat a little bit into that 25% for retirement. What would you say to Cade M? All right, so his current mortgage is 8%, yeah, right. He said he's got 15% savings for other stuff, but it's not 8% rate, it's 8% of his gross, yeah, instead of 25%. 8%, yeah, and then what was his savings rate? 25%, and then he has 15% to play with to save towards whatever he wants. High income, yeah, this is awesome. Here's the way I

would answer your question Kade. What's the opportunity cost of moving man that's a that's a that's a really um that's a difficult way to phrase that question. Uh here's how here's the question. I think about if I were you or are sitting you know at your uh dining room table. Hey, what are your goals? What are what are the things that you want your money to allow you to do? Uh, one might be hey, we want to be financially independent have this big pot of money be to do all the things that we want to do when we retire but there might be another goal that says hey, we really want to be closer to family. We want to have a better you know lifestyle circumstance in terms of where we live. We want a house that has more room. We want to be able to do this or do that. Our family will be in a different location. There are other things that will become available to us. Those things become very non-monetary and it's more about do we have money and resources.

that can allow us to accomplish those goals without sacrificing other goals. Than strictly optimization. If strictly optimization was the case, then all of us, everyone would go out and buy tiny homes. We'd live in tiny homes forever, and we save as much money as we possibly could. But that is counter to some of the other goals that we have. So I think it certainly sounds like you're in a fantastic financial situation, saving 40% of your income. Your mortgage is only 8%, even though home prices are higher, even though interest rates are higher. It sounds like the home fits into the affordability calculation for you. And so I would think once you've solved the money problem, then you have to kind of think through, okay, what's the why problem? Why do we want to move? Or if we don't move, what would be the compelling reason that we want to stay? And does it align with our ultimate goals? I think cage should know money is only a tool. Um, this is why I say this. I think this is.

why when I wrote millionaire Mission I'm I'm nerdy I love math. I Love Thinking of the order of operations on how you should do money to maximize every opportunity that every dollar has to become. but I've also gotten to the age where I'm super sentimental and I think about big decisions I've had to make in my life that were outside of the money. you know when my dad passed away in my mid 20s I left kind of the corporate life I was living to to go start my first Endeavor. um I didn't that was going to be a great financial decision. it was more of the time I could I wanted to own my time so I could cuz I wasn't spending time with people I loved or in the community because I was working all the time. and I was making great money but I was like I'm going to make a decision because this is good for where I want to be with my life. it was a it was a family and it was a life decision.

I think about the fact that when I found out my youngest daughter was going to need an alternative, you know, education because she, she's on the spectrum and um, public school where my oldest daughter had been and, and wasn't in the area I was living at the time, wasn't going to be able to meet her needs. We didn't, and we threw out the finance part of it and, and looked at it. We, I mean, I shouldn't say we threw it out because we planned for it, but it wasn't the primary D, but we had to make a life decision based upon what was needed in that hard moment of, of making decisions. So, I, I, I always put that out front and center. Money is only a tool. It's not, you know, the now. It's necessary. Don't, don't hear me wrong. That's why it is a tool. It's a necessary tool, but it's not the center of all your decision-making. And this is why, if you want to take a, the difference between a plan and a dream, put on your 3D glasses.

and what I mean by that is, I actually literally when you have a scenario like this, I want you to write out three different versions of how you think life is going to work out. If you do this, I actually put pen and paper, or bring out your Excel spreadsheet, or your Google Sheets, and actually do the math and do the planning. And that's where here's the 3DS. You've got your dream plan. This is man everything worked out exactly like I wanted it to. I'm spending more time with my family. I'm meeting my financial goals. This all worked out beautifully. Then I want you to do the Down to Earth. This is what you actually think will happen. This is the reality. Yes, there's going to be some hiccups, some speed bumps along the way. And then I want you to do the doooo plan. That's the one nobody ever wants to do, the doooo plan, but you got to do it because every now and then it's better if you face this directly instead of just basing it off of the dream.

the Down to Earth but you know go ahead and make sure you address. You know what happens if this thing goes really sideways on you but once you do that type of homework Kade then you have conversations with your loved ones and you have to choose your point and you have to figure out what you're going to do to maximize his life because you only get one. And I want you to do it well but don't dream actually create a plan so that you do this and you don't have regrets later.

How Do We Measure the Opportunity Cost of Moving?

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더 높은 소득을 위한 이전 기회 비용 관리하기

Cade M은 승진과 승진 후 다른 주에 있는 가족들과 더 가까운 곳으로 이사를 고려하고 있지만 저축률에 영향을 미칠 수 있습니다.

이사로 인한 기회 비용은 은퇴 저축 및 라이프스타일 선호도와 같은 재무 목표와 어떻게 일치하는지를 기준으로 평가해야 합니다.

궁극적으로는 금전적 영향과 가족과 더 가까워지고 생활 환경이 개선되는 비금전적 혜택의 균형을 맞춰 결정해야 합니다.

주택을 결정할 때는 재정적인 최적화뿐만 아니라 여러 가지 목표를 고려하는 것이 중요합니다.

돈을 절약하는 것도 중요하지만 개인적, 라이프스타일적 요소도 고려하는 것이 중요합니다.

돈은 기회를 위한 도구이지만 주택 선택과 같은 삶의 결정은 개인의 가치와 장기적인 목표와도 일치해야 합니다.

특별한 도움이 필요한 자녀를 위한 대안 교육의 필요성에 직면했을 때, 의사 결정 과정은 단순한 재정적 고려를 넘어서는 것입니다.

돈은 필수적이지만 인생을 바꾸는 선택을 할 때 유일한 초점이 되어서는 안 됩니다.

미래를 효과적으로 준비하기 위해서는 꿈의 시나리오, 현실적인 전망, 최악의 경우를 포함한 3D 계획을 세우는 것이 중요합니다.

인생 최대한 활용하기: 미래를 위한 계획 세우기

인생을 최대한 활용하기 위해서는 숙제를 하고 사랑하는 사람들과 대화를 나누는 것이 중요합니다.

미래에 후회하지 않으려면 방향을 선택하고 신중한 계획으로 삶을 극대화하는 방법을 찾는 것이 중요합니다.