젊은 가정을 위한 재무 계획: 투자 및 HSA

### 인생의 중요한 전환기에 재무적 결정을 내리기
* 💬 25세의 노아는 이미 재정 운영의 5단계에 접어들었으며, **2만 달러의 잔액으로 Roth IRA를 성공적으로 최대 인출**하고 비상 준비금을 충분히 유지하고 있습니다.
* 🏡 그는 월 페이먼트를 줄이기 위해 **모기지를 재융자**하여 아내가 집에 풀타임으로 머물 수 있도록 하고, 현재 HSA에 투자하는 대신 **고수익 저축 계좌에 여분의 자금**을 저축하고 있습니다.
* 💡 이 토론에서는 **세금 공제, 과세이연, 적격 의료비에 대한 비과세 인출** 등 세 가지 세금 혜택을 제공하는 HSA의 중요성을 강조합니다.
* 🤔 그러나 노아의 다가오는 인생의 변화를 고려할 때, **잠재적인 소득 감소에 대비하여 유동성을 우선시**하고 현금 위주의 포지션을 유지하는 것이 현명할 수 있습니다.
* 💰 재융자로 인해 월 납입금이 줄어들면 **HSA에 자금을 재투자**하여 불입금 손실분을 만회할 수 있습니다.
* 🔍 이 대화에서는 건강 보험 플랜에 관한 전략적 선택에 대해서도 다루며, 노아에게 **HSA 혜택을 위한 높은 공제액 플랜과 가족 계획 요구에 맞는 보다 포괄적인 플랜**을 모두 고려하도록 권장합니다.
* 📈 궁극적으로 노아는 가족의 상황이 변화함에 따라 유연하고 기회주의적인 태도를 유지하라는 조언과 함께 **어린 나이에 건전한 재정적 결정을 내린 것**에 대해 칭찬을 받고 있습니다.

노아는 현명한 재정적 선택을 하고 있지만, 아내가 집에 머무르는 동안 유동성을 우선시해야 합니다.

[Music] Okay, we've got a question from Noah coming up next. It says, My wife and I are 25, and we are on step five of the financial order of operations, maxing out our Roth IRA, which currently holds 20K, which is awesome. We have not yet invested in our HSA. Instead, extra savings are going into a high-yield savings account right now. We hope to refinance our mortgage and reduce our monthly payment so that my wife can stay at home full-time. Is this a bad plan? Would it be better to prioritize our investments? By the way, can we take a moment? I'll let you jump into the heavy stuff, but Noah, 25, yeah, with a wife, M, already on step five, meaning he's doing the Roth IRA. He's already got a fully funded emergency reserves, and they're even putting a little bit extra in a high-yield savings account. And then he throws this little sleeper in, and we're hoping to refinance our house. Ho, he's like, You're the contrarian to

everything we see in all the news articles and everything else. Noah, you're living your best life, and I just want to give you some praise before I let Bo do the heavy lift. I love a lot of what you were saying, Noah. That's awesome. First, let me speak to HSAs. We love them. We love them. When you say that you're in step five, you're doing your Roth IRA. If there were additional funds available for investing, we think that HSAs are an amazing tool to use because they are triple tax advantage. You get a tax deduction on the front end, you can then invest those dollars to grow tax deferred, and then if you use it for qualified medical expenses or you reimburse yourself for past qualified medical expenses, they are completely tax-free. So yes, we love HSAs. Does that mean that's what you should do? Unclear at this point. Let me tell you why. He did give an indicator though. Well, he said that his wife's about to stay home. He said his wife is

about to change anytime you go through like a major life circumstance. Now, if you're in step five, I'm going to assume that you have a fully funded emergency reserve. Step four is complete. You've got 3 to 6 months of living expenses. Even considering that if you are going through a big life change and your wife is going to be staying home and your income is going to drop, I am of the opinion this is one of those unique seasons in life where it's okay to be a little cash heavy. It's okay to be a little liquidity heavy because right now you don't know what you don't know. You don't know what other expenses you might incur or how that new budget might feel when the income goes down. So, as much as we love HSAs, when you do think about man major life change, maybe I should begin to think about storing up some additional cash inside that emergency bucket. And then if something does happen, if rates do fall and you are able to refinance your mortgage and refinancing your

mortgage because of the interest savings, and you keep it on the same timeline. Your monthly payment drops, then okay great, maybe that's a great time to begin then funding the HSA, and you make up for lost time, and you can do that. I don't think it's crazy to have cash on his side right now given this stuff. Oh for sure, but I talking about health savings accounts. There is nothing wrong. I think a lot of people think that you're actually hurting your employer when you reach open enrollment and you choose the Cadillac plan that has just like co-pays and is super great but doesn't qualify for health saf account, or you make the decision of doing the high heal high deductible health plan which puts more of it on your shoulders but then you get to that tax deduction and the triple tax advantage and all the other great things we love that make it part of step five with the health savings account. There is nothing wrong with being strategic with your choice with your health insurance with your employer. I even I have a we have a great

planner here who is for sure a financial mutant, and when I saw their choice on their health insurance earlier in the year, I was like, I wonder if their plan is doing some Family Planning, because it was just unique to see this financial mutant go from a high deductible Health Plan, loading up their retirement plan, and all of a sudden, they switch to the Cadillac health insurance. And I was like, Kind of makes you say huh, things that make you go hm. And sure enough, because now we're halfway through the year, and it has been shared with everybody at the firm that they are a growing family. I think it's brilliant, and that's what I would encourage you, Noah, if you're obviously FASTT tracking a lot of good decision-making, you're also doing a lot of Life very quickly. Um, there's nothing wrong with being opportunistic with your choices on your health insurance, so if it lines up with your family planning, um, you know, and the health insurance choices you have, nothing wrong with the HSA, but also don't look past that Cadillac plan.

If your employer offers that, because maybe that works for you in this season, then you can quickly jump right back into the high yield, I mean the health savings account and the high deductible health plan. A lot of hes there there um the very next year.

Is Refinancing Our Mortgage So My Wife Can Stay Home a Bad Idea?

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25세인 노아와 그의 아내는 재무 계획의 5단계에 따라 Roth IRA를 최대한 활용하고 고수익 계좌에 추가 저축을 하고 있습니다.

이들은 모기지를 재융자하여 월 페이먼트를 줄여 노아의 아내가 풀타임으로 집에 머물 수 있도록 할 계획입니다.

재정 고문은 세 배의 세금 혜택을 누릴 수 있는 HSA의 중요성을 강조하며 투자에 사용할 수 있는 추가 자금을 위해 HSA를 고려할 것을 제안합니다.

주요 생활 변화와 재정 탐색하기

생활에 큰 변화가 있을 때는 3~6개월 치의 생활비를 비상금으로 충분히 확보해 두는 것이 중요합니다.

이 과도기에는 예상치 못한 지출이 발생할 수 있으므로 현금이 많은 것도 괜찮습니다.

건강 보험을 전략적으로 선택하면 세금 혜택을 누리고 재정 안정에 기여할 수 있습니다.

고유한 건강 보험 선택 및 가족 계획

한 재무 설계사가 공제액이 높은 건강 보험에서 캐딜락 건강 보험으로 전환하면서 그 결정에 대한 의문이 제기되었습니다.

올해 중반, 이 플래너가 가족을 늘리고 있다는 사실이 밝혀지면서 그 전환이 현명한 선택으로 보였습니다.

이 플래너의 접근 방식은 특히 가족 계획과 연계하여 건강 보험을 선택할 때 기회주의적으로 접근하는 것이 중요하다는 점을 강조합니다.

건강 저축 계좌 및 고액 공제 의료 보험 활용하기

고용주는 직원이 고수익률 건강 저축 계좌 및 고액 공제액 건강 플랜으로 전환할 수 있는 유연한 옵션을 제공할 수 있습니다.

이러한 유연성은 특히 직원의 현재 필요에 부합하는 경우 유용할 수 있습니다.

많은 직원이 다음 해에도 비슷한 상황에 처할 수 있으므로 이러한 옵션이 유용할 수 있습니다.