은퇴 계획: 재정적 독립을 위한 전략

### 로버트를 위한 전략: 자산 90만 달러로 50세에 은퇴 전환하기
* 🎯 "**38세에 소득이 90만 달러**입니다. 놀랍습니다."
* 🗓 38세인 Robert는 **50세에 은퇴하기 전까지 저축 전략을 조정할 시간**이 상당히 남아 있습니다.
* 💰 " '이봐, 나는 우리가 흔히 말하는 **은퇴 부자**다'라는 결론에 도달하게 될 수도 있습니다.
* 📈 재정 운영의 7단계는 '과잉 적립'으로, 세제 혜택이 있는 은퇴 저축과 접근 가능한 자금 간의 격차를 해소하기 위해 **과세 대상 중개 계좌**를 만드는 데 중점을 둡니다.
* 🎯 자산이 7자리 숫자에 가까워지면서 Robert는 합격 여부보다는 **원하는 라이프스타일을 달성**하고 돈을 열심히 벌 수 있도록 재정 상황을 최적화하는 것이 더 중요해졌습니다.
* 👩 이러한 전환기를 헤쳐나가고 **50대의 재정적 독립**을 준비하기 위해 재정 전문가의 도움을 받는 것도 고려해 보세요.
* 🔗 재무 설계사를 찾기 위한 리소스에는 웹사이트의 **"재무 설계사에게 물어봐야 할 8가지 질문"**과 **moneyguy.com 또는 aboundwealth.com을 통해 재무 설계사에게 문의하는 방법**이 있습니다.

38세에 401k에 85만 달러, 브로커리지에 5만 달러가 있는 Robert는 50세에 은퇴하기 위해 저축을 조정하는 방법에 대해 조언을 구합니다.

[Music] Robert's question is up next. He says, I'm 38 with $850k in my 401k, but only $50k in my brokerage. To retire at 50, how drastically should I redirect my savings? After 15 years with the same strategy, I get analysis paralysis thinking about making any changes. So what, when you're starting to get a little fancier, what should he think about and what should he think about in this specific situation? Well, let's first address the facts. First, Robert, you're 38 years old with $900,000 in income. That's incredible. Like, that is unbelievable. I also love that you are beginning with the end in mind. You're thinking, Hey, I want to retire at age 50. So how should I begin thinking about what I'm doing right now? And what I love is that at 38, between 38 and 50, you still have a lot of time to make adjustments. So in my opinion, and we can't give you like specific advice

because we don't know the specifics of your situation, but I think you have a long enough timeline. You don't have to like do some drastic change. You don't have to like I'm doing this today, and tomorrow I have a completely different strategy at hand. But you are in that place where continuing on your present trajectory, continue to build assets the way you are. When you get to 50, you might end up arriving at this conclusion, Hey, I am what we like to call retirement rich. I've got a lot of assets in retirement accounts, a lot of stuff that's tax-advantaged. But when I'm 50, I can't get to it. I don't have access to the money that I need to pay for the things that I need to pay for. And so that becomes problematic. So for someone in Robert's situation, Brian, how would you propose that he think about that? How should he reframe how he's thinking about a saving strategy? By the way, Bo's spot on is that retirement rich is kind of a side effect.

for being a financial mutant because let's face it when you get through steps 1 through six of the financial order of operations you're really leaning into all the tax incentivized versions. But it's not uncommon you get you're doing it sooner than most people realize this but people get to the point they go man I like to start paying cash for my cars. I'd like to maybe retire sooner than the typical person does how am I going to do that since some of these accounts I can't even get access to until 55 59. Don't Panic you're crushing it this is very you're normal for the course but this is also why step seven of the financial water of operation step seven is hyper accumulation or where you thinking about exactly what Bo talked about you're beginning with the end in mind. This is where we talk about the three bucket strategy cuz you this is what you've woken up to and realize hey all my money is either tax deferred taxfree I'm going to need access to after tax or taxable brokerage account.

assets. How do I make this work? So, we've actually devoted an entire step of the financial order of operations to work through this. So, just like in Millionaire Mission, we talk about this building your Great Big Beautiful tomorrow. So, Robert, that's how I would attack it. Look at, yes, you're probably going to need to start since you're beyond steps 1 through 6. In Step 7, we need to be very deliberate about building those taxable brokerage accounts because you are going to need that bridge account to get you into the retirement that you've planned and saved and been so disciplined for. Let's just make sure that you actually get to fulfill because you're at that intersection of, hey, I just want to save, but then and invest, but now once you start thinking about how I'm going to use it, you've got to be very deliberate with what are the tools that are going to make that happen. And I would argue also, you know, at 38 years old crossing into or nearing that seven-figure mark, you're probably not like the past.

fail place like okay if I if if I do it this way, I'm going to fail. If I do it this way, I'm going to pass. It's less about that, it's more about optimization. How do I optimize my financial situation so that for me personally, I'm able to live the life that I want to live on my terms and have my money work as hard for me as I can. This might be a great time where you consider taking the relationship to the next level because you've not navigated that before. Okay, how do I shift from thinking about this as someone in my late 30s to someone actually preparing for financial Independence in my 50s. A really good financial advisor can help navigate you through that. We actually have a resource on our website you can go to, moneyguide resources, eight questions to ask your financial adviser to find someone that can help you navigate that, figure out what that looks like, and if you need somewhere to start, I would love for you to think about starting at money guy.com or abound.

wealth.com. Check out the work with us, and we would love to have that conversation with you.

Should I Redirect My Savings If I Want to Retire at 50?

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38세 은퇴 저축을 위한 재정적 조언

401k에 85만 달러, 브로커리지에 5만 달러가 있는 38세 남성은 50세에 은퇴할 계획이며 저축 전략 변경에 대한 조언을 구하고 있습니다.

은퇴까지 12년이 남았으므로 은퇴 시점에 필요한 자금의 필요성을 고려하여 저축 계획을 점진적으로 조정하는 것이 좋습니다.

은퇴 자산과 미래의 필요를 위한 자금 가용성 간의 균형을 맞추기 위해 저축 전략을 재구성하는 것이 중요합니다.

많은 사람들이 조기 은퇴나 현금으로 비용을 지불하는 것과 같은 재정 목표를 달성하고자 하기 때문에 돈을 모으기 위한 신중한 전략이 필요합니다.

재무 운영 질서의 7단계에서는 이러한 필요를 해결하기 위한 과잉 축적과 세 가지 버킷 전략에 중점을 둡니다.

이 단계에서는 특히 조기 은퇴가 다가오는 사람들을 위해 자금에 접근하고 장기적인 재무 계획을 이행하기 위한 다리를 만들기 위해 과세 대상 중개 계좌를 구축하는 것이 강조됩니다.

장기적인 성공을 위한 재무 상황 최적화

원하는 삶을 살고 돈을 벌기 위해서는 재정 상황을 최적화하는 데 집중하는 것이 중요합니다.

30대 후반부터 50대의 재정적 독립을 준비하려면 신중한 계획이 필요하며, 훌륭한 재무 설계사가 이 과정을 탐색하는 데 도움을 줄 수 있습니다.

머니가이닷컴이나 어바운스와 같은 웹사이트를 통해 재무 설계사를 찾는 데 필요한 리소스와 지침을 찾을 수 있습니다.

죄송하지만 그 부분은 도와드릴 수 없습니다.