대학 학자금보다 은퇴 저축을 우선시하기

### 재정적 독립을 위해 대학 학자금보다 은퇴 저축을 우선시하세요.
* 💼 은퇴를 위한 장학금이나 대출이 없기 때문에 **대학 학자금보다 은퇴를 위한 저축에 우선순위**를 두는 것이 중요합니다.
* 🧑 조사에 따르면 **성인 자녀의 43%가 부모의 재정 상태에 대해 걱정**하고 있으며, 성인 자녀는 **부모의 재정적 미래에 대해 불안**해하는 것으로 나타났습니다.
* 🏦 성인 자녀의 **55%는 도움이 필요할 때 부모를 재정적으로 돌볼 준비가 되어 있지 않다**고 느끼며, 이는 자신의 재정 상황에 스트레스를 더한다고 합니다.
* 💰 수표책을 열지 않고도 자녀에게 대학 및 진로 결정을 안내하고, **기본적인 금융 지식을 가르치며, 미래의 성공을 위한 준비**를 할 수 있도록 지원하실 수 있습니다.
* 👨 "우리가 아이들에게 줄 수 있는 가장 큰 선물 중 하나는 **"언젠가는 너희 집 지하실에서 살지 않아도 될 거야"**라고 말하는 것입니다.
* 🎓 재정 운영 순서에서 8단계에 도달하면 **529 계좌를 충전하고, 관리 계좌를 설정하고, 달러당 1달러 매칭 프로그램을 실행**하는 등 자녀를 위한 저축과 투자에 집중할 수 있습니다.
* 🌟 "여러분은 강한 직업 윤리의 가치를 높이 평가하는 좋은 행동의 펌프에 기름을 붓고 있지만, 실제로는 **그 많은 달러 지폐를 일터에 투입**하고 있습니다."
* 💡 은퇴 저축에 우선순위를 두면 **자신의 재정적 미래를 보장**할 수 있을 뿐만 아니라 **자녀에게 긍정적인 모범**을 보이고 소중한 선물을 제공할 수 있습니다.

자녀의 대학 입학 전에 재정적 독립을 위한 저축을 우선시하여 자신의 안정과 미래의 행복을 확보함으로써 부모와 자녀 모두에게 도움이 됩니다.

[Music] all right Brian let's talk about a second tug of war that exists right now in this country and it is should I save for retirement should I build for my future Financial Independence or do I save for my kids college how do I decide I think that this is one that emotionally it seems hard but we're going to make this very easy for you and maybe it seems like some tough love but I think this is is an easier question than the housing is because I want you focusing on your retirement yeah BR would use this analogy all the time when you get on an airplane they always tell you before you put the oxygen mask on your child you have to put it on yourself you have to make sure that you are stable before you can help others where your finances are no different we think that it makes sense when you're trying to decide between these two you have to say for your future Financial Independence before you say for your kids education people will think that this is mean I mean look we love our

kids and I think if you if you know us, or you see us out, you'll know that we are definitely we love our families, we love our children, but realize that if you think that putting all of your money and your resources into your children instead of focusing on yourself is going to make them the best version of themselves, the research is not tied to that. There is actually a lot of research that people, even adult children, are very nervous about this, yeah, absolutely, and what ends up happening is that when you get to retirement, there aren't going to be any scholarships, there aren't going to be any loans, there's nobody who's going to be waiting to hand you money to get you through retirement, and when your kid gets to college, there are grants, there are scholarship, there's loans, there are going to be mechanisms, mechanisms, and means by which they can pay, and so you have to prioritize it that way because one of the greatest gifts, one of the greatest gifts that we can give to our kids is saying hey I'm

not going to have to come live in your basement one day. I'm not going to have to depend on you to make sure that I'm going to be able to survive. I've done okay so that you can focus on your life and only having to take care of yourselves, but unfortunately in today's world, that's not the norm. Yeah, I mean look at these stats that we were able to find. 43% of adult children say they're worried their parents' financial status for the future. I mean, so that means that they're knowing, hey, not only do I have to save for my retirement, I got to save for Mom and Dad's retirement too. And we saw this at the book tour. We had people asking us these questions, big stress, big stress. 55% say they are not financially prepared to care for their parents in a time of need. So here they are feeling the anxiety knowing that they're going to have to help, but then more than the majority feel like, holy cow, I'm going to have a hard enough time.

In my own financial life, I don't even know how I'm going to do this for Mom and Dad. So here's what you can do. You can still support your kids. There are ways that, no matter where you are in the financial order of operations, you can guide them in how they think about college and career decisions. You can give them counsel on, Hey, are you sure you want to pursue that degree? Are you sure you want to go to that school that costs that much money, that's going to require that much debt? You can also teach them just basic life lessons around saving, budgeting, investing, discipline, deferred gratification. You can do all of these things without having to even crack open your checkbook. And if you can teach them these foundational financial things, you're going to set them up for future success. And look, this is the part where I still remember we were talking to that group of engineers, and one raised their hand and she says, Hey, I love my kids. It feels kind of cruel that I'm.

saving all this money. When do I get to focus on saving and investing for my children so they can do things better? And that's why we think Beyond. Once you get to step eight, you get to those abundance goals or prepaid future expenses. Yeah, let's load up the 529s for the kids. Let's, let's look at those custodial accounts. Let's even think about doing a dollar for dollar matching program so as your kids start their first jobs, you're priming that pump of that good behavior. Not only of appreciating what a strong work ethic does, but actually putting that army of dollar bills to work. And you're matching a dollar for dollar so they get excited about saving and investing, having some skin in the game, and knowing how to be good with their own money when they get out there into adult life.

Saving for Retirement vs. Kids' College: Which Should You Prioritize?

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대학 저축보다 재정적 독립을 우선시하기

자녀의 대학 교육을 위해 저축하기 전에 본인의 재정적 독립을 위한 저축을 우선시하세요.

자녀의 교육비를 마련할 수 있는 방법이 더 많기 때문입니다.

연구에 따르면 자신의 안정에 먼저 집중하는 것이 궁극적으로 자녀에게 도움이 될 수 있다고 합니다.

은퇴와 달리 자녀의 대학 생활을 지원하는 데 사용할 수 있는 다양한 재정 자원이 있습니다.

고령 부모를 돌보는 데 따른 재정적 스트레스

많은 성인 자녀들이 부모의 재정적 미래를 걱정하고 있으며, 43%는 부모의 은퇴에 대해 걱정하고 있습니다.

대다수의 성인은 부모가 돌봄이 필요할 때 재정적으로 부양할 준비가 되어 있지 않다고 느낍니다.

이러한 상황은 노부모를 돌봐야 할 책임이 있다고 생각하는 사람들에게 상당한 스트레스와 불안을 야기하고 있습니다.

자신의 재정 상황과 관계없이 자녀가 대학 진학 및 진로 결정을 내릴 수 있도록 지도할 수 있습니다.

자녀에게 저축, 예산, 투자, 규율에 대해 가르치는 것은 재정적 지원을 제공하지 않고도 큰 영향을 줄 수 있습니다.

이러한 재정적 교훈을 전수함으로써 자녀가 미래의 성공을 위해 준비할 수 있도록 도울 수 있습니다.

자녀의 재정적 미래를 위한 계획

Beyond의 8단계는 자녀를 위한 저축과 투자를 포함한 풍요로운 목표와 미래 비용 선지급에 중점을 둡니다.

이 프로그램은 자녀에게 저축과 투자의 중요성을 가르치기 위해 529 계좌를 개설하고, 관리 계좌를 고려하며, 1달러당 1달러 매칭 프로그램을 시행하도록 권장합니다.

이 프로그램의 목표는 어릴 때부터 어린이들에게 강한 직업 윤리와 재정적 책임감을 심어주는 것입니다.