젊은 전문가를 위한 재무 목표 우선순위 지정

### 고소득과 학자금 대출 부채가 있는 젊은 부부를 위한 재무 목표 우선순위 정하기
* 💰 총 소득이 22만 달러인 26세와 31세의 이 부부는 **3만 달러 잔액의 401(k)를 따라잡는 데 집중할지, 아니면 4.85%의 이자로 16만 2천 달러의 학자금 대출 부채를 갚을지 고민 중**입니다.
* 📊 '재무 운영 순서'는 재무 결정을 안내하는 9단계 프로세스로 **1~7단계는 재산 형성**에, **8~9단계는 부채 상환**에 중점을 두는 것을 권장합니다.
* 💡 저금리 부채를 적극적으로 갚기 전에 먼저 **비상 자금을 마련**하고, **고용주 매칭을 활용**하고, **은퇴 계좌에 투자**하라는 조언입니다.
* 💸 가계 저축률이 **25% 이상**인 경우, 재정 운영 순서의 1~7단계를 완료한 후 **학자금 대출 부채 선상환**을 시작하는 것이 적절할 수 있습니다.
* 🔗 이 부부는 복리의 힘과 어린 나이에 투자를 시작했을 때의 영향을 이해하기 위해 **'자산 승수'와 같은 도구**를 사용하도록 권장합니다.
* 📚 재무 계획 및 부채 상환 전략에 대한 보다 심층적인 안내를 원하시면 **"백만 달러의 사명" 책**과 같은 추가 자료를 참고하세요.
* 💼 젊은 부부는 20대와 30대에는 **'부자가 되는 행동'**에 초점을 맞추고, 40대에는 **'부자가 되는 행동'**으로 전환해야 합니다.
* 🌟 목표는 **복리의 이점과 시장에서의 시간을 극대화**하여 부부가 장기적인 재정적 성공을 거둘 수 있도록 준비하는 것입니다.

젊은 나이와 높은 소득을 고려하여 저금리 부채보다 자산 형성에 우선순위를 두고 재정 운영의 순서를 정합니다.

[Music] Alexandra's question. She says, My fiance, who's 31, and I, who's 26, and a recent doctoral grad, have a 220k household income. Should we focus more on catching up our 401ks with a combined balance of 30ks? That's where they are with their 401ks. Or my 162k in student loan debt with an average of 4.85% interest. What do you think this is about prioritizing with an average of what, um, 4.85% interest? Man, so here's what's really interesting, Alex. I think a lot of people find themselves in this place like, man, I've got all these things going on. I've got all these unique circumstances. I have this situation that defines where I am presently, and I just wish that there were an instruction manual. I just wish that there were some method or mechanism that would tell me what to do with my next dollar. Alexander, I want to let you know you're not alone. A lot of people find themselves in that

situation. It's the very reason why the financial order of operations was developed. It's a nine-step tried-and-true process to tell you when you are 31 years old and 26 years old and you do have a $220,000 income and you've only, I'm doing air quotes because you're young, only have $30,000 in 401k but you have $100,000 in student loan. How do I prioritize what to do with my next dollar? The financial order of operations is the thing that's going to walk you through that. So if you don't have a copy, go to money.com/resources and you can get your free copy. Brian, when you hear this, when you hear Alexander ask this question because 31 and 26, $220,000 income, the world is the oyster, they have a lot of opportunity. Do they make up for lost time or they pay off student loans and how do they decide? The answer is yes, love it. And the reason it's yes and it and of course it depends but I do know

she gave us enough information that I know she's I think she's 26. And as she set up the question, that means if you understand risk premiums and where her student loan, because I love that she shared that her interest rate is around 4.85%. That is low enough that I don't think you're blowing up your financial future by, you know, kind of paying the minimum or paying the income-based payback scale, um, while you go through the financial order of operations. But as soon as you get beyond 25% savings and investment rate as a household, yeah, let's start attacking. Maybe that's part of your step eight and nine is that you're going to prepay this student loan debt just because you want to be done with it. You don't want to have this thing hanging over the top of you. I have no problem with you extinguishing that debt early after you make it through steps 1 through seven of the financial order of operations. So go to money.com resources download your

free copy or go check out my book Million a Mission because this is coming out this month and this is we actually have a a lot of case studies and actually has an entire um discussion on this type of topic when I get to step three and paying off high interest debt. I'll tell you one other thing you can go check out again just because you guys are 31 and 26. The reason why like the methodology behind hey maybe I should prioritize building up wealth saving and investing growing my dollars versus satisfying relatively low interest debt is because of how powerful your dollars can be at this age. So if you've not checked out our Wealth Multiplier again go to money guy.com resources and you can go play with our tool. You can go check out the Wealth Multiplier to see exactly what every dollar can turn into for you and at 31 and 26 it's powerful it's awesome you should let your money work for you. You should figure out how to use that huge income that you have at an early age to

really set your future s up for Success. Yeah, it's get wealthy behaviors, and then there's stay wealthy behaviors. We got to get you wealthy first, and that's what we're focusing on while you're at that young age while money has such a huge multiplier because you have so much time in your favor. So make sure you focus on the get wealthy behaviors, and then maximize the stay wealthy. And that's probably going to happen as you cross in your 40s. You'll see there'll be a great opportunity to pay off all those debts, be completely debt-free. But let's make sure we get you wealthy first.

We Make $220,000: Should We Prioritize Student Loans or Retirement?

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재정 우선순위 정하기: 401k 또는 학자금 대출 부채?

가구 소득이 22만 달러인 부부는 3만 달러의 잔액으로 401k를 따라잡을지, 4.

85%의 이자로 16만 2천 달러의 학자금 대출 부채를 갚을지 고민하고 있습니다.

재무 운영 순서는 재무 결정의 우선순위를 정하는 데 도움이 되는 9단계 프로세스를 제공합니다.

이 프레임워크는 각자의 상황과 재무 목표에 따라 최선의 선택을 할 수 있도록 도와줍니다.

26세부터 학자금 대출 부채 및 위험 보험료 관리하기

그녀는 학자금 대출 부채를 공격적으로 갚기 전에 25%의 저축과 투자 비율을 만드는 데 집중하는 것이 좋습니다.

85%로 낮기 때문에 재정 운영 순서에 따라 최소 상환액 또는 소득 기반 상환을 고수하는 것이 합리적입니다.

1~7단계가 완료되면 재정적 자유를 얻기 위해 부채를 선상환하는 것을 고려할 수 있습니다.

어린 나이에 자산 형성의 우선순위를 정하는 것의 중요성

특히 20대와 30대의 경우 저금리 부채 상환보다 자산 형성에 우선순위를 두는 것이 중요합니다.

com에서 제공되는 '자산 증식' 도구는 어릴 때부터 돈을 모으는 것이 얼마나 강력한 힘을 발휘하는지 보여줍니다.

일찍부터 부를 쌓고 저축하고 투자하는 것은 재정적 미래에 큰 영향을 미칠 수 있습니다.

젊을 때 '부자가 되는 행동'에 집중하여 시간 승수 효과를 활용하세요.

40대가 되면 빚을 갚고 부채가 없는 상태가 될 수 있는 좋은 기회가 찾아옵니다.

젊었을 때는 부를 쌓는 데 우선순위를 두고, 나이가 들어감에 따라 부를 유지하는 데 집중하는 것이 중요합니다.