모기지 전략: 상환할 것인가, 저축하고 투자할 것인가?

### 모기지 상환 대 주택 유지 보수 및 이사 비용 저축
* 💰 5~7년 안에 이사할 계획이고 이미 주택 수리로 인한 재정적 부담을 느끼고 있다면 모기지를 적극적으로 갚는 것보다 저축과 투자를 우선시하는 것이 현명할 수 있습니다.
* 🏡 집 수리 및 유지보수 비용이 빠르게 증가할 수 있으며, 예상치 못한 이사 비용도 재정에 부담을 줄 수 있으므로 유동성이 중요한 자산이 됩니다.
* 💸 " 지금은 현금 수익률이 너무 높습니다. 제가 알던 사람이 5~7년 후의 미래 모습을 생각하며 이사를 고려하는 것은 미친 짓이라고 생각하지 않습니다.
* 🔑 현금 보유는 재무 안정성의 기본 요소로, 예상치 못한 비용과 긴급 상황에 대비할 수 있는 완충 역할을 합니다.
* 💼 " 새 집에서도 일이 생기므로 유동성은 여러분의 친구입니다.
* 💡 재무 운영의 순서에서 현금은 다른 투자보다 수익률이 낮더라도 보안과 유연성을 제공하는 역할에 우선순위를 둡니다.
* 💼 " 현금은 우리가 숨 쉬는 공기와 같습니다. 우리 모두는 물속에 들어가기 전까지는 이를 당연하게 여깁니다.
* 📈 현금을 보유하면 다른 사람들이 재정적으로 어려움을 겪을 때 기회를 활용할 수 있기 때문에 역으로 부를 쌓는 전략이 될 수도 있습니다.

5~7년 후 이사를 고려 중인 버터봇 2는 모기지를 일찍 상환할지, 아니면 남는 현금을 저축하고 투자하는 것이 더 나은지 고민합니다.

[Music] um, Butters bot 2 has a question for you. He says, I just moved into a new home, and the repair and maintenance costs are already adding up. Oh, imagine that, welcome to. I was initially ambitious about trying to pay down the mortgage ASAP, but now I'm rethinking the strategy. If I am moving out of my house in 5 to 7 even years, does it make sense to pay down the mortgage early, or should I just save and invest the extra cash? This is a loaded question, Bo. I'll let you because he's actually confusing, not confusing, but when you think about the financial order of operations, he's got two different things being squeezed here. The ability to pay for unforeseen things that are coming down your path, that's a step one and for that's a cash reserves issue. And if you're finding, Hey, I was going to be a debt crusader and pay this thing off, but man, these repairs and maintenance are squeezing me that you maybe didn't have enough on the

foundational side of emergency reserves, and then the part of paying down the debt early. That's actually a step eight abundance goal or prepaid expenses. What would you add or clarification? Yeah, so you said, I'm planning on moving in 5 to S years. Uh, what you have learned now is now that you have bought a home, man repairs and maintenance are kind of expensive, and there's a lot of costs that I had not planned for that are there. You know what else has a lot of costs that you might not plan for that might catch you off guard that you might be like, Holy cow, I didn't need to do that. Moving, right? So, whenever someone tells me, Hey, I'm thinking about moving. I know this isn't the house I'm going to stay in. Should I build up cash or should I aggressively pay down the mortgage? Well, it's obvious you got to consider the interest rate, but right now yields on cash are so strong. I don't think it's crazy for someone who I knew had a 5 to

seven time frame your future self who's thinking about moving and then has to get the walls painted and has to get the sheetrock you know fixed from the kids and has to do this and do this and has to have the pictures taken and all the cost so say then you got to hire the movers you got it it might not be the craziest thing in the world planning for a move to have more liquidity available to you for all of those things as opposed to just paying off and satisfying that debt because when you put the debt or when you put the money into the house yes it saves you on interest expense yes it allows you to build up Equity but the only time you get to access that is when you close on selling your current home or take debt or you go out and and do a cash out refy or something like that but you don't want to be doing that if you're about to buy another home and you want to have a new mortgage and that sort of thing so

in my experience, building cash for someone who's planning for a move often is more prudent and provides more options and flexibility then satisfying debt leading up to the move. So, I'd start thinking through it in that realm and liquidity when home owner all asset ownership. Liquidity is your friend because things happen even in new homes. Things happen and having cash to be able to pay for that is certainly a valuable thing to have on your side. As an echo, there's a reason cash gets two steps in the financial order of operations. You know, cash is like the air we breathe. We all take it for granted until we go underwater. And when it rains, it pours. You know, I've given you guys the visual that I used to talk about is that all the bad things that can happen in life are extroverts and they stand on the street corner smoking cigarettes and talking trash to anybody who walks by. But it really goes back to when it rains, it pours. Is that not only will you lose your job, your portfolio will

be down your house. You'll no longer be able to sell it. All these things will happen at once, and the only thing that's going to get you through that is how much cash do you have in reserves to protect you. So don't overlook that. I know as US Financial mutants, we look at cash and we think it's trash, and we don't think it has an important part. It is serving a very important role in your wealth-building journey. And here's another cool thing about it: if you have cash when nobody else has cash, it also is a contrarian wealth Builder. Don't overlook that. That's something I've tried to describe when I talk about it a lot in millionaire mission in my own Journey. I've watched how C, even though we all tell you how horrible or C trashy it is, it doesn't earn much. And then all of a sudden, you read my book where I'm like, wait a minute, when you get to step eight, you might want to keep a little bit extra just because you

having cash when no one else does pretty cool things happen if you're one of those people that's prepared

Should I Pay Down My Mortgage or Invest if I'm Moving in 5-7 Years?

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주택을 소유하고 있을 때는 예상치 못한 수리 및 유지보수 비용에 대비해 현금을 우선적으로 확보하는 것이 중요합니다.

5~7년 후에 이사할 계획이라면 현금의 높은 수익률을 고려할 때 모기지를 조기에 상환하는 것보다 여분의 현금을 저축하고 투자하는 것이 더 합리적일 수 있습니다.

또한 모기지 이자율도 고려하여 결정해야 합니다.

유동성을 확보하는 것은 페인트칠, 수리, 이사 업체 고용 등 이사 비용을 충당하는 데 매우 중요하며, 부채를 갚는 것보다 더 많은 옵션과 유연성을 제공합니다.

주택 소유주로서 현금을 보유하면 예상치 못한 지출에 대비할 수 있어 재정 운영에 있어 중요한 자산으로 작용합니다.

자산 형성에 있어 현금 보유의 중요성

현금 보유는 예기치 않은 재정적 어려움에 대비하는 데 중요한 역할을 합니다.

또한 남들이 현금을 보유하지 않을 때 현금을 보유하는 것은 역발상적인 자산 형성 전략이 될 수 있습니다.

종종 간과되지만, 현금 보유는 부를 쌓기 위한 재무 전략에서 강조되는 부분입니다.

재정적으로 준비되어 있으면 남들이 가지지 못한 특별한 기회를 잡을 수 있습니다.

재정적 준비는 안정감을 주고 특별한 상황을 활용할 수 있는 능력을 제공합니다.

재정적 준비는 예기치 않은 상황에 직면했을 때 더 편안하고 자신감 있는 마음가짐으로 이어질 수 있습니다.