늦게 경력을 시작하기: 재정 안내 및 커뮤니티 지원

### 지저분한 중간을 포용하기: 늦게 시작한 사람들을 위한 재무 가이드
* 💬 John은 **31세에 늦은 나이에 커리어를 시작**하고 **34세에 수입의 25%를 저축**했음에도 불구하고 뒤처진다는 느낌을 받는 것에 대해 우려를 표명합니다.
* 🩺 특히 의사와 같은 전문직에 종사하는 많은 사람들은 광범위한 교육과 훈련으로 인해 **재정적인 여정을 늦게 시작**하는 경우가 많으며, 동료들이 상당히 앞서 나간다는 사실을 깨닫게 됩니다.
* 📈 소득의 25%를 저축하면 **65세까지 은퇴 전 소득의 약 85%를 대체**할 수 있다는 점을 인식하는 것이 중요하며, 이는 John이 올바른 방향으로 가고 있음을 나타냅니다.
* 🛠 John과 같은 개인이 자신의 재무 상태를 평가하고 목표에 앞서 있는지 뒤처져 있는지 확인하려면 **'자신의 숫자 알기' 도구**를 사용하는 것이 좋습니다.
* 🕒 John은 명확한 은퇴 목표를 설정하고 자신의 포부에 맞춰 저축 전략을 재설계할 것을 권장하며, **34세는 아직 계획을 시작하기에 젊은 나이**라고 강조합니다.
* 🤝 재정적 성장에 대한 커뮤니티가 강조되고 있으며, 많은 사람들이 **비슷한 늦게 시작한 이야기**를 공유하며 **Discord와 Reddit과 같은 플랫폼**을 통해 지원과 동지애를 제공합니다.
* 🌍 마지막으로, John은 이러한 커뮤니티에 참여하고 **learn.money.com에서 제공되는 리소스**를 활용하여 자신의 재정 여정을 개선하고 비슷한 문제에 직면한 다른 사람들과 소통하도록 초대받습니다.

John은 늦게 시작한 경력이지만 지금 당장 25% 저축하면 재정적 독립과 편안한 은퇴를 이룰 수 있다는 것을 증명합니다.

[Music] We're going to move on to John's question next. He says, Hey guys, what would you say to those who start their career later in life? I started in the thick of the messy middle at 31 and now I'm 34. And though we can now live comfortably and save 25%, I can't help but feel behind after missing out on my most opportunistic investment years. Any advice, words of encouragement? Thanks for everything y'all do. Well, John, I don't think you're alone. I think a lot of people find themselves in the situation. Some folks, it might be because, you know, we see this all the time with clients of ours that are in the medical profession. They go to like a gazillion years of school and they have to go through residency, and they really don't start getting into their like good, quote-unquote, doctor money until they do get into their 30s. And they recognize that some of their peers who started in the workforce and started saving at 22.

23 24 now have almost a decade ahead of them. Or maybe you're one of those people just I didn't get it figured out in my 20s. I didn't take finances seriously until I got to my 30s. You're not alone in that, and the messy middle is a difficult time to figure that out. But you said something I love. You said, Hey, I'm 34 years old now, and I'm saving 25%. I'm doing the things that I'm supposed to be doing. I would encourage you to go to money.com resources. We have a deliverable called How much can or what can 25% do for you. This will show that even at 34 years old, if you're able to save 25% of your gross income, there's a really good chance that when you get to retirement, if you work all the way out until age 65, you're going to be able to replace about 85% of your pre-retirement income. So without doing anything else, you are going to be on track. That's why

We picked that 25% number, but rather than just basing it on the deliverable, I think one of the interesting things, and probably here at 34, is not a bad time to do this. You have to begin constructing, okay, what's the endgame, what am I working towards, am I working towards age 55 retirement, am I looking at a 65 retirement, what is my number that I know I need to hit, and then that will help you reverse engineer into, okay, did I really miss out on time in my 20s that I need to make up for, or will saving 25% at my current trajectory put me right where I want to be when I get to financial independence. First of all, John, I want to welcome you to becoming a financial mutant, um, a financial mutant who's struggling through the messy middle, and every, you know, and for those of you who are new, 'cause we know that we're picking up new subscribers all the time, when we talk about the messy middle, I think a lot of you probably identify

that because you're short on both time, you're short on money, and you're like, How do I make all this happen? And then you have this newfound skill, is that you're a financial mutant. You make your money work for you harder than you can with your back, your brain, your hands, and you want to own your time that much sooner. But you're quickly realizing, Man, I just don't know. Do I need to be saving more? 'Cause this feels good to save and invest and let my money grow, but man, I have so many things I need to be doing with my family to make sure I'm maximizing every second on this planet. Those things are in complete conflict with each other, and both, right? You can go to money.com resources and look at what 25%, but I think I want to go deeper than that and tell you, first of all, I want you to set yourself free. Um, 31, and now you're 34, so you've been on this track.

really hot and heavy for the last 3 years. Um, I don't want you to be too hard on yourself because everyone has a big regret. I mean, when we do our annual millionaire survey of all of our millionaire clients and we say, What's your biggest financial regret? every time, I mean, you can set your clock to it, they say, I wish I'd have started earlier. I wish I could go tell my 20-year-old self, 'Do a little bit more.' So, everyone has this big regret, so cut yourself off the hook to a degree, give yourself more grace. But then, I would go a step further than even the free resource. A lot of times, people wonder, you know, Why do these guys have these tools and courses? They already are financial advisers. They're picking up clients from you. You are the perfect case study, John, of why we created the Know Your Number course and tool, is because I was like, There's going to be a whole group of people that don't need a financial advisor, but they need to know, are they ahead of the curve?

behind the curve or right where they need to be. So, we needed to, we actually created a tool so you can put in all of your assumptions. You can even play around with rates of return. You can play around with inflation. You can play around with what happens if you save a little bit more. So now, instead of you guessing or just looking at a chart of what 25%, you can actually think about your real goals, your life, and know if you're ahead of the curve, behind the curve, or right where you need to be. And here's why this is so important while you're in the messy middle because you're balancing not only the financial stuff, you're balancing your relationships. Wouldn't it be nice if you actually know where you're going to, you're actually, you're guiding this thing, and you can communicate this with your spouse, and y'all can be united on this. And then maybe once you do the homework and you actually do the steps, you can say, Hey, we're fine. It's okay if we go on this.

trip. It's okay if we spend a little bit extra on these activity fees for the kids, you know, 'cause maybe you have a daughter who's in dance or some other thing that's expensive. You'll feel much better about it because you did the work, and that's exactly why we created the and the tools. So go to learn.money.com, and we'll hook you up. And 34, still young. Oh, that's great, right? That's not, it's not, 34 is not 54. Not that 54 is old, it's just 34 is younger. It's not, it's not old. There is still plenty of time. One of the things that I absolutely love is that as this question came in, I'm watching the live chat, and there's so many people saying, Hey, I didn't start 'til I was 30, or I got started at 31, or That's my story. This is so relatable. What I love about this little universe that we get to live in is it's an unbelievable community. So John, if you

like talking with other people and interacting with other people that are in a similar situation trying to solve the same types of problems. We have tons of areas where you can do that. I was trying to write them down, re and you got to correct me because I don't I don't know them all. Like we have the live chat obviously. This is financial mutants. But then we also have Facebook page. You can go be a part of our Discord exists where you can like uh participate in the Discord. We have Reddit that you can go do the Reddit thing on. These are all amazing places that if you want to like surround yourself with other Financial mutants, there's a medium for you to be able to do that. Yeah, yes sir. And if you want uh reddits out there, if you're a redditor, definitely go find our subreddit. It's just the money guy show I believe. And it's it's there's a lot of people in there. Like it's been really fun to see that Community grow. And if

you if you're interested in the uh private Facebook group. If you're a member of one of our courses, that's where everybody who's taking a course for the Money Guy show gets to talk about that, share ideas, swap information, and sometimes get uh exclusive announcements too, or early announcements from us. So definitely check out uh Reddit and then learn. money.com if you're interested in that deeper dive and that more exclusive conversation.

Starting Your Career Later in Life? (How to Catch Up and Save Big!)

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인생 후반기에 커리어 시작하기 조언과 격려

인생 후반에 커리어를 시작하는 것은 흔한 일이며, 특히 학교 교육과 레지던트 기간이 긴 직업의 경우 많은 사람들이 비슷한 어려움에 직면합니다.

저축을 시작하기에 너무 늦은 나이는 없으며, 34세에 수입의 25%를 저축한 John의 노력은 칭찬할 만합니다.

꾸준히 저축하면 65세까지 은퇴 전 소득의 85%를 대체할 수 있어 안정적인 은퇴를 준비할 수 있습니다.

목표 은퇴 연령을 설정하면 재정적 독립을 달성하는 데 필요한 저축액을 결정하는 데 도움이 됩니다.

'금융 돌연변이'라는 개념은 돈을 더 열심히 벌고 시간을 더 빨리 소유하는 것을 강조합니다.

저축과 투자의 필요성과 가족에 대한 책임 사이에서 갈등이 생길 수 있지만 지속 가능한 접근 방식을 찾는 것이 중요합니다.

재무 계획을 일찍 시작하는 것의 중요성

많은 사람들이 재무 계획을 더 일찍 시작하지 않은 것을 후회하는데, 이는 백만장자들의 공통된 감정입니다.

숫자 알기 과정과 도구는 개인이 자신의 재무 상황을 평가하고 정보에 입각한 결정을 내릴 수 있도록 돕기 위해 만들어졌습니다.

자신의 재무 목표를 명확히 이해하면 어려운 시기에 파트너와 더 잘 소통하고 단합할 수 있습니다.

금융 성장을 위한 지원 커뮤니티 구축

연사는 성취감으로 이어질 수 있으므로 자녀의 활동에 추가 지출을 해도 괜찮다고 강조합니다.

또한 많은 커뮤니티 회원들이 비슷한 이야기를 공유하면서 인생 후반기에 재무 계획을 시작하는 것이 타당하다는 점을 강조합니다.

연사는 비슷한 재정적 어려움에 직면한 다른 사람들과 소통할 수 있는 좋은 방법으로 라이브 채팅, Facebook, Discord, Reddit 등 다양한 플랫폼을 홍보합니다.

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