순자산의 이해: 재정적 성공의 열쇠

### 순자산 이해하기: 재정적 독립의 열쇠
* 💰 순자산은 **자산에서 부채를 차감**하여 계산되며, 재무 상태를 한눈에 파악할 수 있습니다.
* 📊 비즈니스 대차 대조표와 마찬가지로 개인 순자산 명세서는 **재무 목표에 대한 진행 상황을 추적**하는 데 도움이 됩니다.
* 🎯 "현재 위치도 모르는데 **목적지가 어디인지 어떻게 알 수 있을까요?**"
* 📈 순자산을 추적하면 **성과와 개선이 필요한 부분**을 강조하여 재무 대시보드의 역할을 할 수 있습니다.
* 💡 순자산 명세서를 정기적으로 업데이트하면 **더 나은 재무 습관과 의사 결정**으로 이어질 수 있습니다.
* 👫 **커플, 가족, 개인이 재정적인 미래를 계획하는 데 유용한 커뮤니케이션 도구**입니다.
* 💑 "괜찮아요, 샤론. 연인과 함께 사용하면 처음에는 괴상한 운동처럼 보일 수 있지만, 충분히 오래 하다 보면 **계획을 세운다는 사실에 로맨틱**해질 것입니다."
* 🎉 순자산 **0달러, 10만 달러, 100만 달러 달성** 등의 이정표를 축하하는 것은 동기를 부여하고 보람을 느낄 수 있는 일입니다.

순자산 명세서를 통해 개인은 자신의 재무 상태를 이해하고 정보에 입각한 결정을 내릴 수 있습니다.

[Music] The fourth number that we think that you ought to know that is super important and can have a huge impact on understanding and commanding your financial life is your net worth. This is a big one. This is one that is exciting to us because your net worth is simply all the things that you own minus all the things that you owe. And it's a big one. Well, I mean, if you were a business, you're going to have what's called a balance sheet, where you're going to look at the things you own versus the things you owe, and then the difference is your equity or what you have. Well, it's the exact same thing for you personally. Just like a business has that balance sheet, you're going to have a net worth statement. You're going to take what you own minus what you owe, and what the difference between that, that's actually your net worth, what you have working for you, your army of dollar bills. We need to focus on this. So few people are actually putting in any

effort of knowing what do they have working for what do they owe people what do they own. You got to put some time into this, and the reason this is a significant number, something that you should know, is how on Earth can you know if your destination is where you're going. If you want to get to financial independence, if you have goals, if you want to retire, if you want to fill in the blank, how on Earth can you know where you are in your journey if you don't know where you are today, if you don't understand where your starting point is. Well, that's exactly what a net worth statement does. Well, a lot of people ask us, Guys, I don't know where to start. I've never done this. What do I do? We actually have a great tool available for you. You can go to learn.money.guu.vn, set portfolio growing, or of I only growing my wealth because the value of my home is going up. Your net worth statement will give you insights into all of these different areas, but you

won't actually know that unless you start tracking it. Well, I don't like to leave any dollar behind. I want every dollar to feel purposeful, and if you're not doing a net worth statement, you can't really have command of what every dollar is doing for you. So, it really, this is why this matter is. You got to know where you're at financially. You got to know where you're at, and it can also serve as a dashboard for achievements and do-betters. Oh man, it's so great. I finally crossed, you know, a lot of people, they celebrate getting to zero net worth. That's a big deal in the world in which we live today. And then, oh, I crossed a $100,000 net worth. I crossed a million-dollar net worth. Oh, I noticed that my debt went up a lot from last year to this year. What? Oh, I bought that car. Was that a good decision? It will highlight those areas, those decisions that you're making to help you understand, Are the decisions I'm making actually good?

for me or they moving me in an opposite direction they actually want to be going. I also tell you this is why it matters is that we talk about so much of personal finances that 80% that's the behavior and the consistent good habits that you're doing. If you actually will get in the habit of doing a net worth statement, I'm telling you this will have an influence on you that you can't even see. I think about it when I like when I'm exercising I start eating better. Yeah because I feel like when you start going to the gym and you start exercising, you're like well I don't want to just go squander all that hard work so I eat a little better just because I'm naturally those things are connected to each other. It's the same way if you'll start doing the net worth statement. I think you'll be surprised that you'll think about your spending a little bit different. You'll think about how much you have going to your Investments. It will make you a better

version of yourself just by waking up and making sure that the behavioral side is not working against you. It's actually building assets and armies, the dollar bills for your future. It's also an amazing communication tool, whether you're talking about you and your spouse trying to figure out how do we get on the same page, how do we prioritize things, how do we know that the decisions we're making are moving us towards the things that we actually care about. A network statement is a great way to do that. Or maybe you are an aging parent and you now have adult children, and you're trying to figure out, okay, what does the transition of our estate, the transition of our assets look like. Doing a net worth statement will show you all the things and all the areas you need to address, and it could be a great means of communication for you to speak to the Next Generation, to show them what your wishes are. So, you can actually use this not just to encourage and influence your behavior, but to also bring up a

conversation. It's kind of a difficult conversation to have otherwise. Look, I don't mind, Sharon. This is going to seem like a nerdy exercise at the beginning if you're using this with your significant other, but I tell you, you do this long enough, it will become romantic in the fact that you're now planning. You can make this an annual tradition. Go on date nights, plan what you're going to be using these resources for. It can be a great communication and effective tool for knowing, making sure you're both on the same page. Anybody who goes into any type of counseling or anything, they're going to tell you, you got to have good communication. Use this effective tool to help you.

Why Your Net Worth Is Crucial to Your Financial Journey

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순자산은 소유한 자산과 빚진 자산의 차이로, 기업의 대차대조표와 유사합니다.

순자산은 재무 상황을 평가하고 재무 목표를 향한 진행 상황을 파악하는 데 중요한 수치입니다.

순자산을 아는 것은 재정적 독립을 향한 여정에서 출발점을 이해하는 데 필수적입니다.

순자산을 추적하는 것은 자신의 재정 상황을 이해하고 돈에 대한 목적에 맞는 결정을 내리는 데 매우 중요합니다.

순자산은 성과를 축하하고 개선이 필요한 부분을 파악하는 대시보드 역할을 합니다.

순자산 명세서를 작성하는 습관을 기르면 지출과 투자 결정에 긍정적인 영향을 미쳐 전반적으로 더 나은 재무 습관을 기를 수 있습니다.

순자산 명세서는 미래를 위한 자산을 쌓는 데 도움이 되며, 부부와 가족을 위한 의사소통 도구로 사용됩니다.

성인 자녀를 둔 노부모를 위해 의사 결정의 우선순위를 정하고 자산의 이전 문제를 해결하는 데 도움이 될 수 있습니다.

또한 순자산 명세서를 사용하면 다음 세대에게 바라는 점을 쉽게 전달할 수 있습니다.

관계에서 계획과 커뮤니케이션의 중요성

함께 계획을 세우는 것이 처음에는 어색하게 느껴질 수 있지만 시간이 지나면 낭만적인 전통이 될 수 있습니다.

데이트를 하면서 리소스 할당에 대해 논의하면 의사소통을 개선하고 두 파트너가 같은 생각을 하고 있는지 확인할 수 있습니다.

이러한 접근 방식은 모든 관계에서 필수적인 원활한 의사소통을 촉진하는 데 효과적인 도구입니다.