모기지 상환하기: 투자 대 부채 없는 전략

### 모기지 상환 대 투자: 조기 은퇴를 위한 전략
* 💡 "재정적 독립의 문턱을 넘기기 전에 **빚이 없도록 노력하는 것**이 옳은 일이라고 생각합니다."
* 📉 자산으로 생활할 때 시장 변동성은 심리적으로 다른 영향을 미칠 수 있으므로 **부채가 없는 것이 유리**할 수 있습니다.
* 📈 젊은 층(45세 미만)은 **'부자가 되기 위한' 행동에 초점**을 맞추고, 고령층(45세 이상)은 **'부자가 되기 위한' 행동에 우선순위**를 두는 것이 좋습니다.
* 💰 모기지 이자율보다 높은 수익을 얻기 위해 **달러를 배치하는 것은 효율적인 전략**으로 간주됩니다.
* 🏠 모기지 상환과 투자 사이의 결정은 **모기지 이자율에 따라 달라집니다.**
* 🐷 "돼지는 살찌고 돼지는 도살된다." 재무 결정을 내릴 때는 **위험, 수학, 감정 사이에 균형**이 필요합니다.
* 🤝 자신을 이해하고 개인적인 상황과 목표에 따라 결정을 내리는 것이 중요합니다.

재정적으로 독립하기 전에 부채가 없는 것은 시장 변동성과 심리적 영향을 완화하는 데 도움이 되지만, 저금리 모기지는 갚는 것보다 투자하는 것이 좋습니다.

[Music] The next one is from Winnie defu. Oh man, you that's the first time I think I've heard that. That is awesome. Thought you would appreciate that. It says planning to retire early starting in about 10 years. We want to pay off our home before early retirement. Would it be smarter to pour all our money into investments and pay off the home at the end, or something else? Did Winnie defu give their age? Did not. But Winnie defu, if you're out there, if you'd like to give us your age to give us some more content or... I'm going to let you say 'cause I know what you're going to say, but I let me give the conservative... Let me give the conservative answer and then you can give the maximizer... Answer. I'm saying age is one of two variables we need to know. Well, it's... B picks on me because I do think duu. I love that name. That's why I keep saying it, but it's... There. I think

it is the right thing to try to be debt-free before you walk through that threshold of financial independence because there's already going to be some strange psychological things that happen the first time you leave your job. Stock market gets its teeth kicked in you're going to like whoa. It's not one of those things because we all cope in our own way but for most people who are working when the stock market gets beaten up they're like man I guess I'll just you know keep my head down. I'll keep working hard. It hits a a little differently once you're actually living off those assets and you see them go down 20% or even more so that that's the first thing. So I like you being debt-free because it really it kind of takes that pain out of that volatility to a lot of ways but I I've said and when I write when I when I did millionaire mission when I've talked about this on the show about the financial order of operations I do think there's a difference between people.

under age 45 because you're get wealthy behaviors versus people who are greater than 45 is stay wealthy behaviors. Because we all know the typical millionaire crosses that threshold around 49 years of age or saving an investing for 27 to 28 years, so it's right in that time. Plus when you overlay that with the wealth multiplier, if you go to money.com resource to see what every dollar has the potential to come become for you, you see that there is that balance between what money can do while you're young versus when you get older. It's just not as much of a tradeoff. Now what B is going to allude to, and this is something something we've talked about because I had my own Arbitrage situation M 25% mortgage and my cash is making 5%. B's like you should never pay that loan off and and here I am sending extra money so we we argue about this and I will tell you it's even gotten worse is because we own some

commercial real estate together. And I've told Bo, in 10 years, I want to have this loan paid off. And he's and I even negotiated with the bank to let us give them extra money every year so I could make that goal happen. But Bo, what's the rest of the story on what a maximizer does? What we recognize is that if you have a mortgage that's super super low interest, let's say that it's a 2 and a half, three, 3 and a half percent mortgage, it's very easy to go deploy your dollars elsewhere to earn more than that. Like every dollar you apply to that mortgage saves you that interest rate and interest. However, if I could go deploy that dollar and go earn 7 percent, 8 percent, 10 percent per year, there's a good chance that even if I wanted to be debt-free in 10 years, even if I wanted to write a check to pay for the mortgage, it would be a more optimal solution, a more efficient way to get there by investing those dollars to

grow and then once the account hits the size of the remaining mortgage, then pay it off. The one variable defu we don't know is what's your mortgage interest rate because my advice changes based on that 2 and a half 3%. I think it's really really hard to justify not building up like investing the dollars letting the pot of money grow up then having a check to write. If you are someone who bought the house recently or refinanced recently for some reason and you are at like a 6 and a half seven and a half, well now the mathematics becomes a lot more difficult. But for someone sitting in like a super super low interest mortgage, if your goal is to bet be debt free, I would argue that the most effective and efficient way to get to debt free would be to deploy those dollars elsewhere and then pay off the mortgage AG instead of paying it off through time. Fortunately, I have a business partner that loves math too and recognizes that's what makes sense on the commercial property B has convinced.

me the ability to be debt-free is just as good now. I just I do think it's a little different on the commercial, but I think for your primary mortgage, especially going through the threshold of being in the financial independence, meaning you're living off of your assets. It comes down to risk too, so don't don't discount that too much because we all know the say. I've said it many times, pigs get fat, Hogs get slaughtered. There is a threshold where you might be taking on too much risk, and it's not all about the mathematics. There's also emotions, and you have to know thyself to figure out what's the right decision for you.

What Is the Best Route to Take If I Want to Retire in 10 Years? (Invest or Pay Off the House?)

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조기 은퇴 및 주택 소유를 위한 전략

시장 변동성의 영향을 완화하려면 조기 은퇴 전에 부채가 없는 상태를 유지하는 것이 중요합니다.

위니 데푸의 나이는 주택 상환과 투자를 결정할 때 중요한 요소입니다.

재정적 독립은 시장 변동에 대한 다른 관점을 가져올 수 있으므로 자산에 의존하기 전에 부채가 없는 상태를 유지하는 것이 좋습니다.

나이가 부를 쌓는 전략에 미치는 영향

45세 미만과 45세 이상은 부를 쌓는 방식이 다르며, 일반적인 백만장자는 49세 전후에 백만장자 지위에 도달합니다.

특히 저금리 모기지의 경우 대출과 투자를 통해 자산 증식을 극대화하는 개념은 부채 상환에만 집중하는 것보다 더 높은 수익을 올릴 수 있는 잠재력이 있기 때문에 더 효율적인 전략입니다.

젊었을 때 자산 형성을 위해 돈을 사용하는 것과 나이가 들어감에 따라 접근하는 것의 균형을 맞추는 것은 모든 달러가 수익을 창출하여 장기적인 재무 목표에 영향을 미칠 수 있는 잠재력을 가지고 있기 때문에 매우 중요합니다.

모기지를 갚는 가장 효율적인 방법

저금리 모기지를 상환하는 가장 효과적인 방법은 모기지를 일시불로 갚기 전에 돈을 투자하여 성장시키는 것입니다.

5%로 높아지면 이 전략은 더욱 어려워집니다.

돈을 다른 곳에 투자한 다음 모기지를 한꺼번에 갚는 것이 특히 초저금리 모기지를 사용하는 경우 부채가 없는 가장 효율적인 방법이라고 주장됩니다.

재정적 자립 달성 및 모기지 부채 관리

모기지 상환과 재정적 독립 사이의 적절한 균형을 찾는 것은 재정적, 정서적 요인을 모두 고려하여 결정해야 합니다.

너무 많은 빚을 지는 것은 해로울 수 있으므로 자신이 감당할 수 있는 위험 수준을 고려하는 것이 중요합니다.

궁극적으로 모기지 상환 결정은 자신의 재정 상황과 목표에 대한 깊은 이해를 바탕으로 이루어져야 합니다.