모기지 대 은퇴 저축: 재무 전략의 우선순위 정하기

### 모기지 상환과 은퇴 저축 사이에서 결정하기: 재무 전략
* 💡 모기지를 갚을지, 은퇴 저축에 기여할지 고려할 때는 각 옵션의 이점을 비교하여 **기회 비용 평가**를 수행하는 것이 중요합니다.
* 🏠 예를 들어 이자율이 6%인 모기지가 있는 경우 선납을 하면 **이자로 지불하는 1달러당 6센트를 절약**할 수 있습니다.
* 📈 하지만 나이가 젊고 같은 금액을 투자하여 **25~30배로 불릴 수 있다면** 모기지를 갚는 것보다 투자하는 것이 더 유리할 수 있습니다.
* 🔍 나이, 재정 상황, 모기지 이자율 대비 **시장에서의 기대 수익률** 등을 고려하여 결정해야 합니다.
* 📉 역사적으로 모기지 금리는 등락을 거듭해 왔으며, 최근 금리가 **6% 이하**로 떨어지면서 투자보다 모기지 상환을 우선시할 필요가 없을 수도 있습니다.
* 💸 **45세 미만의 개인은 모기지 같은 저금리 부채를 공격적으로 갚기보다는 은퇴 계좌에 적립하는 등 자산을 쌓는 행동**에 집중해야 합니다.
* 📊 나이가 들수록, 특히 **45세 이후에는 부를 유지하는 데 초점을 맞추게** 되고 **모기지 상환이 더 매력적으로** 느껴질 수 있습니다.
* 🔗 개인화된 인사이트를 얻으려면 **money.com의 자산 승수와 같은 리소스**를 사용하여 연령대별로 투자할 때와 부채를 상환할 때 장기적인 이점을 설명하는 데 도움이 될 수 있습니다.

모기지 이자율과 투자 수익률을 평가하는 것은 재정적 성장을 위해 매우 중요합니다.

[Music] I've got another housing question from Twi Engles. It says, Thanks for the great content, guys. At what interest rate should I prioritize paying off my mortgage over contributing to my retirement savings? The tried-and-true classic question. Yes, this is a great one. So, when it comes to how we decide how to deploy our dollars, I think we always have to do an opportunity cost assessment, right? So, I can do option A, and the thing that I'll be giving up is option B, or I could do option B, and the thing that I'll be giving up is option A. Twinkles, what you have to do for yourself is assess, Okay, what are my options? If I have a mortgage, and let's say that it's 6%, right? I've got a mortgage, 6% interest. I know that if I go and I prepay that mortgage and I begin attacking it early, then I'm going to save 6 cents for every dollar I pay on it. I'll save 6 cents in interest.

that's kind of the mathematic that'll work there, but if I'm someone young and I'm, say, in my 20s or my 30s, and instead of taking that dollar to go satisfy that 6% interest, I invest it, and I go check out money.com resources, and I look at my wealth multiplier, and I see that every dollar that I put to work could turn over 25 times or 30 times, well, then I have to assess what's the best use of that dollar, satisfying and paying down that mortgage, or letting that dollar go out and work for me. So, you have to determine based on where you are in your financial journey, based on where you are with your age, and based on what your investment assumptions are for your equity risk premium, what can I earn out there in the marketplace versus what am I paying on the mortgage, and where should I deploy my best dollar. So, at what interest rate do we recommend prepaying a mortgage? Well, it very much depends on the person, more so than the

interest rate look. I'll just put it like this: Twi Engles is that say sounds like clown. Twi Engles the clown, but Twinkles. If I was thinking about this, the highest mortgage rates got up to was right under 8%, seven and seven and a half. Um, but then last week, because I think there's some indication that interest rates are going to start dropping in the near term, I got a big notification that mortgage rates went below 6% again. So with this understanding that housing is an appreciate, typically historically, most times that you're buying a house, if you stay in it long enough, it is an appreciating asset. I'm not willing ever to put this into the step three of high-interest debt, especially with what we've just faced now. Maybe if this, we were back in the 70s and 80s, early 80s, when you know you could see mortgage rates 12, 15%, we could talk about it, but I haven't

seen anything in our most recent history that makes me feel like that it goes from Step nine to step three on your mortgage. So I because you always also have the unique ability to refinance. That is something that is quite unique to mortgages, especially when interest rates continue to drop. And you can do take a little bit of a premium on the rate and actually have the bank pay your closing cost to mitigate the even the refinance cost. That's why I'm not willing to say that there is a rate anytime that we've seen, 'cause we haven't even gotten over 8% to where I would consider that high interest. Now how does it change though as you age and you go from like your make wealthy behaviors to your maintain wealthy behaviors? Like I mean look anybody who's under 45 years of age, you need to be thinking about get wealthy behaviors. And this is why it breaks my heart when I see you know 32 year olds that are forgoing their Roth IRAs and their

employer 401K match because they just got. They paid off their credit cards, and now they're just hog wild into paying off all debts because it felt so good to pay off that credit card debt. It's got to feel just as good to pay off that mortgage debt, and it's just not the same because we got to get you to the get wealthy stage, of course. Once you're post-45, I'm all about the stay wealthy of paying down mortgages, other things. And by the way, if you want to know the why on this, there's math behind it all. You have to do is go to money.com resources. I want you to play around with our wealth multiplier, and I think you'll quickly see for like a 20-year-old. I always talk about 88 times over for a 30-year-old. It's 23 times over for a 40-year-old. It's seven times over. Now you're quickly catching on by a 50-year-old, by the way. It's three times over, so you quickly see that's why the

45 is the sweet spot. It's because if you go from 7 to 3 on 40 to 50 years old, you quickly see that, yeah, this is the point where the opportunity cost of what you're doing is just not as big of an impact. So, maybe if we can, you know, take some risk off the table, pay off the mortgage, it's an okay thing. But I want you to not skip the step of actually building wealth.

What Interest Rate Makes Paying Off My Mortgage a Priority Over Retirement?

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모기지 상환과 은퇴 저축 중 우선순위 정하기

모기지 상환과 은퇴 저축 중 어느 것을 우선시할지는 개인의 재정 상황과 목표에 따라 결정됩니다.

모기지의 이자율이 6%인 경우, 모기지를 선납하면 1달러를 지불할 때마다 6센트를 절약할 수 있습니다.

그러나 젊은 층의 경우 해당 금액을 대신 투자하는 것이 더 높은 수익을 얻을 수 있으므로 연령, 재무 여정, 투자 기회에 따라 자금을 가장 잘 활용할 수 있는 방법을 평가하는 것이 중요합니다.

모기지 금리가 주택 구매에 미치는 영향

모기지 금리는 최근 8% 미만으로 정점을 찍은 후 6% 이하로 떨어졌습니다.

역사적으로 주택 구입은 가치 상승 자산이며, 재융자라는 고유한 기능은 금리 변화에 따라 유연하게 대처할 수 있습니다.

45세 미만은 주택을 포기하기보다는 Roth IRA에 투자하는 등 부를 쌓는 행동에 집중하는 것이 중요합니다.

부채 상환과 재산 형성의 중요성

이제 고용주들이 401K 매칭을 제공하면서 개인이 부채 상환에 집중하도록 유도하고 있습니다.

신용카드 부채 상환에 대한 만족감으로 인해 모기지 부채를 없애려는 움직임도 활발해지고 있습니다.

부의 승수 개념은 다양한 연령대에서 상당한 재정적 성장의 잠재력을 보여주며 조기 부채 상환과 자산 형성의 중요성을 강조합니다.

45세가 되면 기회 비용을 평가하고 재정적인 결정을 내리는 데 중요한 시점이 됩니다.

모기지 상환과 같은 위험 감소를 고려하기에 좋은 시기입니다.

하지만 이 시기에 부를 쌓는 것의 중요성을 간과하지 않는 것이 중요합니다.