항공 교통 관제사를 위한 조기 은퇴 전략

### 조기 은퇴 탐색하기: 재정적 성장과 개인적 성취를 위한 전략
* ✈ 56세에 의무 은퇴를 앞두고 있는 항공 교통 관제사 라이언은 복리 성장을 놓치는 것에 대해 불안감을 느낄 수 있지만, **은퇴 후에도 돈을 계속 사용할 수 있다는 사실**을 기억하는 것이 중요합니다.
* 💼 군인, 항공사 조종사 등 많은 직업의 의무 은퇴 연령이 비슷하지만, 그렇다고 해서 **투자 수익이 복리로 불어나는 것은 아닙니다.**
* 📊 **40년, 30년, 20년 만기 등 장기 투자를 혼합**하여 포트폴리오를 구성하는 것이 중요하므로 **55세가 되어도 자산을 계속 늘릴 수 있습니다.**
* 🕒 TSP 잔액과 연금을 평가하여 원하는 라이프스타일을 지원할 수 있는지 확인하고, 그렇지 않다면 **55세부터 65세까지 소득을 보충할 수 있는 방법**을 고려하세요.
* 🌟 이 전환기를 지금 마음대로 사용할 수 있는 시간이라는 소중한 자원을 활용하여 **자신에게 기쁨을 주는 것**이 무엇인지 탐색할 수 있는 기회로 삼으세요.
* 💪 고소득 직업을 가진 많은 사람들이 **아르바이트를 통해 생활비를 충당**하는 동시에 투자금을 늘려 은퇴를 보다 원활하게 준비할 수 있는 방법을 찾아 성공적으로 은퇴를 맞이하고 있습니다.
* 🎉 재정적 의무에 얽매이지 않고 자신을 만족시키는 일을 선택해 **새로운 인생의 장에서 열정과 관심사**를 추구할 수 있는 특별한 사치를 누릴 수 있습니다.
* ✨ 은퇴 후의 삶을 풍요롭게 만들기 위해 **자신의 자원과 에너지를 활용**할 수 있는 새로운 시작이 될 수 있습니다.

Ryan은 조기 은퇴를 열정적인 일을 추구할 수 있는 기회로 활용하면서 투자 수익은 계속 복리로 늘릴 수 있습니다.

[Music] All right, Ryan L133 has a question. He says, I am an air traffic controller that has to retire at 56. I have a TSP and a 30 to 40% pension. I feel like I am losing so much compound growth by forced early retirement. Any suggestions? Um, so there are a lot of professions, Ryan, that have this, you know, mandatory retirement or just early tenure. You know, you have teachers or you have military personnel or obviously air traffic control or airline pilots that either have an age they have to stop working or they hit teen and they start leaving early. And just because, and this is something important to not just because you retire, just because you are no longer working does not mean that your dollars stop compounding. I think people are amazed by this. They think, Okay, I'm going to build, I'm going to build, I'm going to get some, my number at 65, and then that's where the journey ends. $1 turned into 88, and the 88 doesn't go anywhere else. In reality

that's not what happens even at 65 or in your case at 55. Some portion of your portfolio needs to probably be 40-year money, and then some portion needs to be 30-year money, and some portion needs to be 20-year money. So even at 55, which is a relatively young age, your dollars are still going to have the opportunity to compound, and some portion of your portfolio is going to be still risk-on. It may be less than it was when you were 35, but just because you retired doesn't mean that your dollars cannot stop working for you. What you're going to have to assess is when I look at my TSP balance and when I look at that 30 to 40% pension, will those two sources be enough to allow me to live the life that I want to live? If the answer is no, then the issue may not be, Okay, well, my money stopped compounding. The issue may be, Okay, I got to figure out something to do from age 55 to 60 or from 55 to 65 to

bolster the plan. But just because you retire doesn't mean that your money retires. It does not stop working for you when you leave the workforce. Ryan, I'm only a bean bag toss from being at that 56 part there, so I mean, I can tell you what I think that this means for you. Yes, your employer and the government are telling you at age 56, you have to retire from the air traffic controller. So maybe that means potentially you're done with your peak earning years. But that doesn't mean because you wouldn't have asked this question unless you had something in the back of your mind that says, Hey, I don't know that I'm going to be done at 56 years of age. So you don't have to listen to them on saying you're completely done with how you spend your time. But I would challenge you, you're going to be at this threshold that you'll have the most valuable resource that you can't get more of, which is time, and you have to figure out

how you now want to use it now. It sounds like between the tsp, between the pension, you're going to be in a pretty good financial position. I don't know how old you currently are, and I don't know how far in the future CU. I don't know if he gave that data point to us, but I would tell you right now, use this blessing of this threat margin of time that you have to figure out what you want to do, what brings you joy, you know, and you can use this valuable resource. I think that that's, like I said, a blessing and a good thing that you are already having these questions and these thoughts. Use that curiosity to kind of make sure that you hit that threshold because you know it's coming, and you do it as peak efficiency as possible, um, and you don't have regrets. I'm kind of excited for you because I think that that means you might have a new beginning if you have the energy and the excitement that you think that you're walking away.

from you know you want to go do more and work um I I I more power to you you know figure out what that thing is because I can tell you know 20s something year old version of myself thought that I was going to be done at 50 to 55 years of age but now here I am in this this decade of being in the 50s that I'm like no I still have tons of energy I still have tons to create um so I think it's a blessing that you actually get to now have resources behind you and even income and cash flow coming in that you can go pursue what what the next chapter is. We've had clients Bri I'm kind of like going through in my head who've been in a similar situation. They were like very high earning careers you know maybe making $150 $200,000 a year. They hit retirement and while they weren't ready to retire they weren't ready to exit what they really wanted to do is just go find a job that could cover

their living expenses. So, where they might have been making $200,000 pre-retirement, they go find a job making $50,000 or $60,000 because they know that's what their footprint is. And rather than being able to save and build the 25%, they just do that for 3, 4, 5, 6, 7 years and let the money that they had earned continue to grow. That's a perfectly viable ease into retirement, if that makes sense. And we've seen a lot of people do that really, really successfully. And Ryan, you have a luxury most people don't have. Most people have to work to pay the bills, so you don't actually own your time. You're encumbered by your obligations. Use this as, like I said, as that cool opportunity where you work for the desire, the pleasure, and the actual benefits you get out of it, as emotionally and spiritually, versus the other side of it where you wake up and you go, I don't really want to do this, but I have to do it. You have

the potential at 56. You work for the passion, the desire, not because you have to. I think that's a pretty cool place to be. mhm

Retiring at 56—Am I Missing Out on Compound Growth?

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항공 교통 관제사로서 조기 은퇴 탐색하기

항공 교통 관제사인 라이언은 56세에 조기 은퇴를 해야 해서 복리 수익률이 떨어질까 걱정입니다.

은퇴한다고 해서 그의 자산이 복리로 불어나는 것이 멈추는 것은 아니며, 포트폴리오의 일부를 장기 투자에 투자하는 것을 고려해야 한다는 점에 유의해야 합니다.

그는 자신의 TSP와 연금이 원하는 라이프스타일을 유지하기에 충분한지 평가해야 하며 55세부터 65세까지 추가 일자리나 수입원을 찾아야 할 수도 있습니다.

56세에 직장에서 은퇴한다고 해서 돈의 흐름이 멈추는 것은 아닙니다.

새로 얻은 시간이라는 자원을 어떻게 사용할지 다시 생각해봐야 할 중요한 시기입니다.

TSP와 연금으로 재정 상태가 양호하다면 무엇이 자신에게 기쁨을 주는지 탐색하고 만족스러운 새 장을 계획할 수 있는 기회입니다.

50대의 많은 사람들이 여전히 에너지와 창작에 대한 열망이 있음을 발견하고 특정 나이에 은퇴한다는 개념에 도전합니다.

어떤 사람들은 은퇴 후 고소득 직업에서 저임금 직업으로 성공적으로 전환하여 그 수입으로 생활비를 충당하고 저축액을 늘리는 데 사용합니다.

이러한 접근 방식은 재정적 필요성보다는 개인적인 성취감을 위해 일할 수 있는 기회를 제공함으로써 은퇴를 편안하게 맞이할 수 있는 실행 가능한 방법을 제공합니다.

의무가 아닌 열정과 욕구를 위해 일하는 것은 성취감을 주는 접근 방식입니다.

이러한 사고방식은 긍정적이고 동기를 부여하는 환경을 조성합니다.

일에서 즐거움을 찾으면 더 만족스럽고 의미 있는 삶으로 이어질 수 있습니다.