은퇴 자금 고갈 전략: 로스 버킷 퍼스트 아웃?

### 은퇴 버킷 전략: LIFO 대 고유 모델
* 💰 은퇴 인출에 대한 전통적인 접근 방식은 **세후 계좌를 먼저 고갈시킨 다음 세전 계좌, 로스 계좌를 마지막으로 고갈시키는 LIFO(Last In, First Out) 전략**을 따르는 경우가 많습니다.
* 🔄 일부 전문가들은 로스 401(k) 적립금을 면세로 이용할 수 있기 때문에 **로스 버킷에서 적립금을 인출하여 59.5세 이전의 은퇴 공백을 메우는 것과 같은 독특한 모델**을 제안합니다.
* 🔍 이 전략의 주요 우려 사항은 **장기적인 자산 축적에 큰 가치가 있는 비과세 성장 자산이 조기에 고갈**될 수 있다는 점입니다.
* 🧙 브라이언과 보의 비유는 이러한 딜레마를 반지의 제왕에서 골룸이 '귀중한 것'에 집착하는 것에 비유하며 **비과세 성장 자산 보호의 중요성**을 강조합니다.
* 📊 은퇴 시 어느 버킷에서 먼저 인출할지 결정하는 것은 **일정, 고유한 상황, 사용 가능한 자산** 등의 요인에 따라 매우 개별적으로 결정됩니다.
* 📺 다양한 은퇴 버킷에서 인출하는 것이 갖는 의미를 포함하여 **다양한 은퇴 디스큠 전략**을 심도 있게 탐구하는 새로운 프로그램이 준비 중입니다.
* 📈 다가오는 방송에서는 **은퇴 중 세후, 세전 및 로스 계좌에서 인출하는 것이 미치는 영향**에 대한 자세한 인사이트를 제공하여 시청자에게 실질적인 지침을 제공하는 것을 목표로 합니다.
* 🤔 정답은 없지만, **LIFO 접근법을 고려하는 것**은 퇴직금 인출에 대해 정보에 입각한 결정을 내리는 데 유용한 프레임워크가 될 수 있습니다.

은퇴 후에는 세후 자산, 세전 자산, 로스 자산 순으로 고갈되는 것이 일반적이지만, 특수한 상황에서는 다른 전략이 필요할 수 있습니다.

[Music] All right, Matthew's question says the guys always say first in first out when referring to the buckets to pull from in retirement. Is it okay to pull contributions from the Roth bucket to bridge a pre-595 retirement gap? Well, Matthew, I think, I don't know that we say first in first out when it comes to, to be honest. I was like, I, we always talk about LIFO, which is a lot of times last in first out. So when you think about the way that when it comes to our wealth building journey, and if you follow the financial Brian, do you have a thing you can hold up? Do you have want something you can shake at him? Yeah, I got, I was looking for, oh my goodness, my main one, you took it on the book tour. I took it on the book tour, and we have it who knows where that you get the. It doesn't have the same sound because it's I've got it doesn't sound as good. Oh well, if you want, if you want.

your free copy. You can go to money.com resources. If you're following the financial order of operations, what happens for most people is you end up starting with a Roth IRA at some point. I mean you do the employer match, but generally when you start saving, you put money in a Roth IRA. So that goes in first. Well, then you get a job and you start doing your 401k or your 403b. And then that starts. And then you get to step seven, you do hyper accumulation. Now you start doing after-tax. So you went Roth and then pre-tax or employer-sponsored plan, and then you went after-tax. Well, what's really interesting is when it comes time to retire, when it comes to financial independence, and you start de-accumulating. In practice, what most often happens is we go LIFO. You actually, in most circumstances, in our experience, you begin to pull out of your after-tax bucket first. And then you begin to deplete your pre-tax bucket. And the last bucket that you begin to deplete is your Roth bucket. So often we

don't say that you go five foot in retirement. You go lifo in retirement, but there are people out there that have created some unique models and other things where they're saying 'cause you can take even Roth 401ks roll them out and you can chisel into that principle tax-free. So, a lot of people are saying, Man, that's a great opportunity to create a bridge account for retirement. Yep, here's the problem I – and look, it doesn't mean that it's wrong, it's actually a very cool little technical thing that you can do to get tax tax-free access to assets. The problem I have with it – and this is where I turn into Gollum from Lord of the Rings – is I think about how valuable, oh my precious, tax-free growth is and 'cause these are Financial mutants, people who are making really good decisions with your money, the reality is you're probably not leaving this planet with zero. They just – I mean, if you're good with money, part of your problem with the complexity is the money starts

growing upon itself, but then you ask yourself, well, maybe I should have not saved as much. Well, no, because you don't know which dollars are the ones that actually got you to the critical mass where this thing starts just growing upon itself beyond your wildest imagination. So you have to still put in the effort in those first 20 years 'cause success is not assured. And then, believe me, if you look at the stats, you'll see the majority of people are horrible at that part of it. But when you get to having assets, you're going to look at those Roth assets and you're like, man, the government doesn't let me put but this much in per year. And it's not that huge of a number. And then they only let me put this in if my income's under this threshold. And you're like, you want to go burn through those assets first while I still might have 20 to 30 years for that money to compound on top of itself. Plus, if you make my loved ones the beneficiary on these, they get a 10-year

stretch, and if they have special needs or some other, you know, unique thing that was written into the tax law, they actually get to stretch this for their lifespan. You start thinking about Roth money a little differently, and it's not my idol like gum made the Rings, the idol, but it is one of those things where I can't help but think about my precious tax-free growth, my precious. I love it. Here's something. Can I tell something? May if you're not subscribed to the Channel, I want you to subscribe right now because there is something exciting coming, and I don't normally do these kinds of teasers. We're actually working on a show right now that'll be coming out in the next few weeks, or if you're watching this, perhaps it's already come out, where we're going to walk through some like early retirement strategies, like decumulation strategies, where we're going to dive into this very thing. Okay, what does it look like if I pull from my

after-tax bucket. What does it look like if I pull from the Roth? What's it look like if I pull from my 401k? What are all these different things? It's a really fun show that's going to go super deep into the weeds. Well, the only way you're going to know about it when that show comes out is if you're subscribed right now. So please subscribe to the channel so that as we release that kind of stuff, you can know about it. Uh, but Matthew, I think in practice, so, uh, FIFO, LIFO, all that stuff, that's academic. In practice, personal finances, personal, because we have some people when they get to retirement, for whatever reason, we might have to pull out a Roth in the early few years, or we might have folks who we do Roth conversion strategies, or we have folks that don't have any after-tax assets. So, there is not a tried-and-true answer to the one way to do it well because it depends on your unique circumstances, your unique timeline, your unique factors. But I think approaching it from a LIFO

standpoint is going to at least give you an idea of a way to think through it because a Gollum.

Is It Okay to Use Roth Funds to Bridge a Pre-59.5 Retirement Gap?

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은퇴를 위한 재무 계획에는 버킷 풀링 전략이 포함되며, 이는 종종 "선입선출" 접근 방식을 따릅니다.

즉, 실제로 은퇴 인출은 일반적으로 세후 버킷에서 시작하여 세전 버킷, 그리고 마지막으로 로스 버킷에서 인출합니다.

재정적 운영 순서는 일반적으로 Roth IRA로 시작하여 401k 또는 403b, 세후 불입금 순으로 진행되며 은퇴 시 가장 마지막에 Roth 버킷이 고갈됩니다.

이 전략에 대해 자세히 알아보려면 money.

com에서 무료 리소스에 액세스하세요.

일부 사람들은 은퇴 후 자산에 면세로 접근하기 위해 Roth 401k를 사용하고 브릿지 계좌를 만드는 옵션을 모색하고 있습니다.

문제는 이 전략이 비과세 성장 잠재력을 충분히 활용하지 못할 수 있으며, 자산이 성장할 수 있도록 초기에 올바른 재무 결정을 내리는 것이 중요하다는 것입니다.

또한 로스 자산에 기부할 수 있는 금액에 제한이 있기 때문에 은퇴 후 언제 이 자산을 사용해야 하는지에 대한 딜레마가 생길 수 있습니다.

은퇴를 위한 세금 계획의 중요성

로스 계좌는 비과세로 자산을 불릴 수 있고 개인의 상황에 따라 고유한 인출 옵션을 제공합니다.

다양한 은퇴 소득원에 대한 심층적인 통찰력을 제공하는 조기 은퇴 및 감액 전략에 초점을 맞춘 새로운 프로그램이 준비 중입니다.

은퇴 세금 계획에 대한 접근 방식은 각자의 구체적인 재정 상황과 필요에 따라 다르며, 모든 사람에게 맞는 해결책은 없음니다.

죄송하지만 요청하신 내용에서 구체적인 주제나 정보를 찾을 수 없습니다.

제가 효과적으로 도와드릴 수 있도록 명확하게 알려주시겠어요?