부의 승수: 시간 경과에 따른 재무 성장 극대화

### 초기 투자의 힘: 복리 성장을 통한 부의 창출
* 💰 **1만 달러가 있는 18세 어린이**가 **백만 달러가 있는 65세 노인**보다 시간과 복리 성장의 힘으로 인해 상당한 재정적 이점을 얻을 수 있습니다.
* ⏳ 많은 젊은이들이 기성세대를 부러워하지만, **기성세대는 시간이라는 귀중한 자원**을 가지고 있으며 이를 통해 **투자를 기하급수적으로 늘릴 수 있는 사실**을 인식하는 것이 중요합니다.
* 📉 투자를 미루는 것은 함정입니다. 투자를 미루면 **20세의 자산 배율이 88배**인 반면 **30세에는 23배**에 불과할 정도로 자산의 잠재적 성장이 크게 감소할 수 있습니다.
* 📊 부의 승수는 **20세에 투자한 1달러가 은퇴할 때 88달러 이상**으로 늘어날 수 있는 반면, **25세에 투자한 1달러는 44달러로 떨어진다**는 것을 보여줍니다.
* 🔢 18세의 경우, **1달러는 은퇴 후 거의 108달러**가 될 수 있으며, 이는 **10,000달러를 투자하면 1,080,000달러**로 늘어날 수 있다는 의미입니다.
* 💡 아르바이트를 하는 젊은이들은 **1만 달러를 저축하는 것이 가능**하므로 재정 여정 초기에 조치를 취하는 것이 필수적입니다.
* 📈 백만장자가 되기 위한 자산 승수 계산기 및 벤치마크와 같은 리소스를 통해 개인이 자신의 재정 상태를 평가하고 **목표를 설정하는 데 도움**을 받을 수 있습니다.
* 🚀 부를 쌓기 시작하기에 너무 늦지 않았으니 **재정적 미래를 관리**하고 가용 자원을 활용하여 **투자 잠재력을 극대화**하세요.

일찍부터 재정을 관리하면 미래의 부를 위한 복리 성장의 힘을 발휘할 수 있습니다.

Let's play a quick game. I want to play a game. If I gave you an option: Do you want to be an 18-year-old with $10,000 or a 65-year-old with a cool million dollars? What would you pick, guys? This is the

type of conversation that I love having with anyone that will listen, because I am, by nature, an optimist, and I love showing people the power of taking an active role in their financial life. Unfortunately, though, most people are not in the driver's seat of their financial

life. If I'm being honest, most people are actually tied up in the trunk, and they don't even know where they're going. But the earlier you can take charge of your future, the better, and you might be able to do it even earlier than you think. A

lot of young folks out there look at people older than them with envy, but what if I told you that those people look at you with envy because you have the most valuable resource available: the elusive and ever-escaping component of time? But do not mishear me: you may have

time on your side, but do not fall into the trap of thinking, "I'll just get to my money later because I have plenty of time." Procrastination is not your friend. In this video, I'm going to show you why this is a mental trap, and if you're

finding this video later on, don't worry, it's not too late for you either. It's never too late to build a better future for yourself. But before we get into it, one thing everyone can do to build a better future for themselves is to subscribe to the Money Guys show, so

Subscribe, like this video, and ring that notification bell. Now let's jump right in! This whole thing hinges on one of the most powerful components of personal finance: compounding growth. We like to call this the wealth multiplier. The wealth multiplier is a tool that we

designed to show you just how powerful your dollars can become. The example we use on the show all the time is that for a 20-year-old, every dollar that you invest has the potential to become more than $88 in retirement. And what I'm

about to say will show you why this is so essential to start as early as you can saving and investing for the future. A 20-year-old has a wealth multiplier of 88 times. By the time you reach the age of 25, that wealth multiplier has already dropped and been

cut in half to 44 times. By age 30, it's dropped to 23 times. It's important to note that our wealth multiplier calculation assumes that for every dollar invested at age 20, you can predict an annualized rate of return of

10% from the time those dollars are invested until retirement. But every year, that assumed rate of return drops by 0.1% until reaching a terminal rate of return of 5.5% at 65. Meaning that for every dollar invested at 21, you would

assume 9.9%, and so on. If all those numbers went in one ear and right out the other, don't worry! All you need to know is that the earlier you invest, the more powerful those dollars become. So if you can grasp this concept of the wealth

This multiplier will change the way you make every small financial decision in your life: how you spend, how you save, and definitely how you invest. That is why it is so important that when you're young, you do something to take advantage of those amazingly powerful dollars that

you have at your disposal. And if you're seeing this video later in your wealth-building journey, let this be the motivator you need to take action today. If you want to figure out your exact wealth multiplier, you have a few options: you could use this formula, or you could

just let us do the work for you by using our wealth multiplier calculator at money.com/srour. But let's get back to my original question. If you haven't already done the math, don't worry; we are here to show you the numbers. At the age of 18,

each dollar has the potential to become nearly $108 in retirement. That means if you started at 18 with $10,000, each dollar of that $10,000 would become $108. In other words, that investment would have become $1,080,000.

The 18-year-old came out ahead, all because they did the hard work of saving and investing early. You might be thinking, 'No way, an 18-year-old can save $10,000!' But with a part-time job and living at home, saving $10,000 after

taxes could be done on less than $11 an hour. If you're seeing this later than age 18, please don't misunderstand us and think that it is too late for you to start. Remember, your dollars can still multiply 23 times over. At the age of 30, do you want 23

times as much money. I know I sure do. So we've shown you the numbers, but now where do we go from here? As you're using our wealth multiplier calculator and setting out on your wealth-building journey, there are two more resources I want you to look at. The first is called

'Are you on track to becoming a millionaire?' This will give you a great benchmark of where you are at relative to where you need to be in order to save your first million. The other is the actual wealth multiplier resource. This will give you a more comprehensive

overview of how the wealth multiplier works at each age, and it will show you how much you need to save and invest each month to reach your first and even second million. Don't let your financial future take a backseat any longer; get out of the trunk and start building wealth

today! Take advantage of all of our resources at money.com. Make sure you subscribe if you haven't already and share this video with someone who needs to know the power of the wealth multiplier. [Music]

You Will NEVER Look At Wealth The Same After This

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10,000달러를 가진 18세 또는 1,000,000달러를 가진 65세 중 하나를 선택하는 가상의 시나리오가 제시됩니다.

대부분의 사람들은 자신의 재정을 적극적으로 관리하지 않고 수동적으로 관리합니다.

청소년은 가장 소중한 자산인 시간을 소유하고 있습니다.

미루는 것은 해롭습니다. 재정적 성공을 위해서는 일찍 시작하는 것이 중요합니다.

시청자가 구독하고, 좋아요를 누르고, 알림 벨을 울리도록 유도합니다.

복리 성장의 힘을 보여주는 도구인 부의 승수를 소개합니다.

20세의 경우, 투자한 1달러가 은퇴 후 88달러 이상이 될 수 있는 잠재력이 있습니다.

부의 승수는 20세에 88, 25세에 44, 30세에 23으로 나이가 들수록 감소합니다.

이 계산은 20세에 연간 수익률이 10%이고 매년 0.1%씩 감소한다고 가정합니다.

초기 투자는 복리의 힘을 극대화합니다.

자산 승수는 지출, 저축, 투자 결정에 영향을 미칩니다.

자산 승수를 계산하는 옵션: 공식 또는 온라인 계산기(money.com/srour) 사용.

18세에는 1달러가 은퇴 후 108달러가 될 수 있고, 10,000달러는 1,080,000달러로 늘어날 수 있습니다.

아르바이트와 자취를 병행하면 18세까지 1만 달러를 모을 수 있습니다.

나중에 시작하더라도 승수는 여전히 상당한 수익률(30세 기준 23배)을 제공합니다.

'백만장자가 되는 길로 가고 있나요?' 및 money.com의 부의 승수 리소스에서 추가 리소스를 확인할 수 있습니다.

행동 유도: 제공된 리소스를 사용하여 지금 바로 부를 쌓기 시작하고 동영상을 공유하세요.