은퇴를 위한 과도한 저축의 징후

### 은퇴를 위해 너무 많이 저축하고 있다는 신호와 균형을 찾는 방법
* 💰 은퇴를 위한 저축에 너무 집중하다 보면 필요와 욕구를 구분하지 못하고 **현재를 위한 필수 지출을 미루게** 될 수 있습니다.
* 🚑 건강 검진을 받지 않거나 건강에 해로운 음식을 먹거나 돈을 아끼기 위해 안전하지 않은 자동차를 운전하는 등 건강과 안전을 소홀히 하면 **심각한 결과**를 초래할 수 있습니다.
* 🏦 인생을 살아가면서 자연스럽게 라이프스타일이 확장되므로 **미래를 위한 저축과 현재의 삶을 즐기는 것 사이에서 균형**을 맞추는 것이 중요합니다.
* ♂ 지나치게 절제된 저축 습관을 가진 금융 돌연변이의 경우, **너무 검소하지 않고 중간 지점을 찾는 것**이 중요합니다.
* 해결 방법으로는 **건강과 안전에 대해 타협하지 않기**, **적절한 보험 가입**, **안전한 차량 운전**, **필요와 욕구에 대한 현실적인 시각 유지** 등이 있습니다.
* 🎉 교육 기회를 만들고, 오래도록 남을 추억을 만들고, 급여 인상을 받을 때 생활비 인플레이션에 대한 균형 잡힌 접근 방식을 찾아 노동의 결실을 누리는 것은 **저축과 생활 사이의 건강한 균형**을 이루는 데 도움이 될 수 있습니다.

은퇴를 위한 저축에만 집중하다 보면 필요와 욕구 사이의 경계가 모호해져 현재의 위험과 즐거움을 소홀히 할 수 있습니다.

[Music] The third sign that potentially you're saving too much for retirement: the line between what you need and what you want begins to get blurred. You become so focused on the dollars and cents that you lose track of things that you actually need to spend money on and things that you think you just want to spend money on. Yeah, we put together a list 'cause you could be a great saver where you are definitely taking that little bit of today for that great big beautiful tomorrow. But if you're not asking yourself, Hey, how do I risk my life? Do I need to buy life insurance, term life insurance for my loved ones? Do I need to make sure my health insurance reflects what we have going on in our life? I don't want you to be so good at saving for the future that you're not kind of looking at the risk of the current moment as well. How about this: you refuse to go to the doctor because, Oh, it's just a waste of money.

I'm not going to eat health foods 'cause I can go get very unhealthy foods at much lower prices. Or maybe you say, Hey, that car, it hasn't broken down yet, no reason will we replace that, and it actually turns out to be not a safe vehicle for your family. If you begin having those kind of conversations and noticing those sort of things, you may need to flip your mindset. I would argue those are things that you potentially need to do, not just things that you want to do. Yeah, and this one, this one frees me to say, a lot of times I say, be careful of your lifestyle creep, but there is, there is. I just want you to know this as you progress through life, as the decades go, your lifestyle is going to expand. I mean, it's just a natural thing. There's a reason we used to talk about tight wide nation, we are proud of it, but now we traded in our tight wide cars because we just, we know it's just not healthy to keep on that. Don't be trapped to where you're always

being so tight or disciplined that you're not actually giving a little bit to the ones you love to create memories and do things now. Look for most people we're only talking about financial mutants here most people do have discipline problems but I think sometimes US Financial mutants we have discipline on the other side meaning that we come off a little too tight don't keep it that way. So what are some potential Solutions don't cut Corners when it comes to health and safety recognize what are the things that I need to be doing appropriate Insurance safe automobiles appropriate maintenance on the things that I spend money on versus is what are the things that I just want to be doing okay upgrading okay having nicer things moving into luxurious Brands those are not the same so make sure you're realistic and you recognize that and we talk about and this sounds so simple to say Enjoy your success I think there's nothing wrong with creating educational opportunities you know if you want to help out with education needs of of loved ones I think

there's nothing wrong with creating blossoming memories. Look, we know the research. If 80% of millionaires are first generation, that means the stats show that 70% is gone by Generation 2, 90% is gone by Generation 3. You ought as might as well be a part of how you're going to spend your money. Make those great memories. Take the family on vacations. Do things to encourage education. Be a part of that. And then also, what are our thoughts when people get pay raises? Is there a balanced way on how to do this? Yes, I feel like what people often do is one of two things. They get a pay raise and either all goes to lifestyle or all goes to savings. I would argue that neither of those are probably prudent at the extremes. What I would say is, if you get a pay raise, there's nothing wrong with, Okay, I want to take 60% of that increase and that's going to go to increased lifestyle, but 40% is going to go to

increased savings, or maybe it's the other way around for you, but that way, not only are your savings and your behavior increasing, but so too is your lifestyle, so that you can begin enjoying some of the fruits of the hard work that you've been doing thus far in life.

Sign #3 That You’re Saving Too Much for Retirement!

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미래를 위한 저축에 집중하다 보면 필요와 욕구 사이의 경계가 모호해져 보험이나 의료비와 같은 중요한 지출을 간과할 수 있습니다.

지나친 저축은 현재의 위험과 안전 및 건강 요구와 같은 필수 구매를 소홀히 하는 결과를 초래할 수 있습니다.

인생이 발전함에 따라 라이프스타일의 확장을 염두에 두되, 현재의 필수품을 끊임없이 부정하는 사고방식에 갇히지 않도록 하세요.

사람들은 특히 사랑하는 사람들과의 추억을 만드는 데 있어서 재정적인 규율과 삶을 즐기는 것 사이에서 균형을 찾는 데 어려움을 겪는 경우가 많습니다.

한 가지 잠재적인 해결책은 필요와 욕구의 차이를 현실적으로 인식하면서 건강, 안전, 적절한 유지에 우선순위를 두는 것입니다.

또한, 성공을 즐기고 사랑하는 사람들을 위한 교육 기회를 고려하는 것에 대해 죄책감을 느끼지 않는 것도 중요합니다.

세대별 자산 통계에 따르면 3세대로 갈수록 자산이 감소하는 것으로 나타나 신중한 지출과 투자의 중요성이 강조되고 있습니다.

급여 인상을 받을 때는 어느 한 쪽에 모두 투자하기보다는 생활비에 60%, 저축에 40%를 배분하는 균형 잡힌 접근 방식이 권장됩니다.

이 전략은 재정적 신중함을 장려하는 동시에 라이프스타일을 개선할 수 있습니다.

저축 증가와 라이프스타일의 관계

저축을 늘리면 라이프스타일이 개선되어 열심히 일한 보람을 누릴 수 있습니다.

이러한 긍정적인 재정적 행동은 삶의 질을 향상시키고 노동의 결실을 누릴 수 있는 능력으로 이어질 수 있습니다.