1단계 이해: 개인 금융에서 공제액 관리하기

### 재정 운영 질서의 1단계 이해: 보장되는 공제액
* 💰 재정 운영 순서는 재정 관리를 위한 단계별 가이드이며, 1단계는 **"보장되는 공제액"**입니다.
* 🚑 이 단계는 **보험 정책의 공제액을 충당할 수 있는 충분한 저축액**을 확보하여 재정적 긴급 상황으로부터 자신을 보호하는 데 매우 중요합니다.
* 🏠 1단계에 필요한 금액을 결정하려면 **주택 소유자/임차인, 자동차 및 건강 보험의 공제액**을 살펴보고 가장 높은 금액을 선택하세요.
* 📈 긴급 상황에서 **고금리 신용 카드에 의존**해 장기적인 재정적 어려움을 겪지 않도록 하는 것이 목표입니다.
* 🔄 1단계의 권장 금액은 **가입한 보험 중 가장 높은 공제 금액**을 기준으로 합니다.
* 🌱 1단계는 재정 상황의 변화에 따라 함께 성장하도록 설계되어 **더 많은 자산과 보험에 가입할수록 더 높은 공제액에 맞춰 조정**됩니다.
* 💡 1단계를 특정 금액으로 단순화하고 싶을 수도 있지만, 적절한 보호를 제공하기 위해서는 **개별 상황에 따라 맞춤 설정**하는 것이 중요합니다.
* 📘 재무 계획은 일반적인 조언을 제공하는 것이 아니라 **개인의 필요와 위험을 고려한 맞춤형 재무 계획 접근 방식**입니다.

최고 공제액을 이해하는 것은 재정적 긴급 상황을 피하고 정보에 입각한 결정을 내리는 데 매우 중요합니다.

[Music] fast Teddy 333 has a question for you. Hey, I see fast dy. I see, I see them in here a lot. I recognize that name. It says, Can you explain step number one? I really don't understand how much I would need to fulfill step number one in the foo. This is back to the basics, you know. I love this. Go back. I'm going to do the intro. I want you to talk about it, 'cause in the book, you like really, you dove into this pretty deep. For those of you that don't know, we think there is a tried-and-true process to what you should do with your next dollar. BR, we hold the thing up. We have this thing called the final order of operations. Got a mess over here. If you want your free copy, you can go to moneyguy.com/resources and download it. The very first step that fast stage is alluding to is high is deductibles covered. And so, Brian, we've had people ask us so many questions because there are other folks say, Hey, just a th000 bucks. Hey, a th000.

bucks, that's what you need. And we thought about it, and we were like, Well, is a th000 bucks the right? Maybe, maybe not. There's more to it, more nuance than that. That's how we came over the deductibles. Yeah, I mean, if you think about how many bankruptcies, and people just being crushed financially, it's typically an emergency. It's the unforeseen things that happen to you, whether it's medical, whether it's a car accident, whe, you know, just all kind of thing. It could just, it could even be appliances in your house going out, or you having, you know, leaker, a roof leak or something like that. It's all those things that lead you to make desperate decisions. You know what happens when you make a desperate decision in an emergency? If you go and you lean into the credit card, and now you're paying interest of greater than 20% on these credit cards if you don't pay them off, that is not good. You're actually digging a hole for your future.

self that you're just not going to be able to get out of. So we were like, we have to protect people from making those desperate decisions. And the best way you can do that is you got to know what are the big risks in your life. And what I have found when we were doing our research on this, all the big risks have some type of insurance protection that you can actually buy to completely take away that risk. So that's why when we talk about deductibles covered, all you have to do to complete Step One is go look at your homeowners or your renters insurance, look at your car or automotive policy, look at your health insurance, figure out what your deductible is on every one of those insurance policies, and then whatever the highest number of that list, that is Step number one. Because I'm not saying add them all up, that's a bridge too far because that would get into emergency reserves of Step Four. Highest deductible with Step One is just to get to the highest point. So then you

can move on to that free money from your employer with the match and then paying down the high-interest debt with step three. The highest deductible covered is going to get you through that avoiding those desperate decisions. And what I love about is that it grows with you like the highest deductible for a 22-year-old that just graduated college. And maybe the only thing they have going on is they've got, you know, health insurance through work and maybe they're paying their auto insurance or maybe they're still on parents. The deductible, the highest deductible may be pretty small, but then as you buy your own car, as you get on your own health insurance, as you go to buy a house, well then your highest deductible grows. So step one grows with you through your financial journey. I just love that it meets people where they are. That's what we want the food to do. We want to be applicable whether you're 22 and just starting out or whether you're 62 planning for the next phase. I would love

'Cause it is so much easier to say $1,000, but that doesn't really protect you. I mean, there's a good chance you might have a false sense of protection at a $1,000. I know it's simpler. I know it's easier, but that's the problem with personal finances. It is very personal, and that's why when we were writing the deeper dive in millionaire mission was to actually tell the people why, share the stories that inspired it all, so that you kind of come better as you get more and more educated on it. I wish it was. I wish I could make it even easier by putting something like $1,000, but it just doesn't work that way. If you're going to be really good with money.

Step #1 of the Financial Order of Operations Explained

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1단계 이해: 보장되는 높은 공제액

재정 절차의 첫 번째 단계는 개인마다 다를 수 있는 높은 공제액을 충당하는 것입니다.

의료 문제나 자동차 사고와 같은 긴급 상황은 종종 재정적 위기와 절박한 결정으로 이어집니다.

이러한 비상 상황에서 이자율이 높은 신용카드에 의존하는 것은 악순환의 고리를 만들 수 있으므로 계획을 세우는 것이 중요합니다.

인생의 큰 위험을 이해하고 완화하는 것은 절망적인 결정을 피하는 데 매우 중요합니다.

보험은 모든 주요 위험에 대한 보호를 제공하므로 이러한 위험을 제거할 수 있습니다.

이러한 위험을 관리하는 첫 번째 단계는 주택 소유자, 임차인, 자동차 및 건강 보험에서 가장 높은 공제액을 파악하는 것입니다.

증가하는 최고 공제액의 중요성

고용주 매칭으로 보장되는 최고 공제액은 절박한 재정적 결정을 피하는 데 도움이 될 수 있습니다.

최근 졸업한 신입사원의 작은 공제액부터 더 많은 책임을 맡게 될 때 더 큰 공제액까지, 개인의 삶의 변화에 따라 증가하도록 설계되었습니다.

이 접근 방식은 재정 여정의 다양한 단계에 있는 사람들을 충족시키는 것을 목표로 하므로 22세부터 62세까지 누구나 이용할 수 있습니다.

1,000달러와 같은 단순한 재정 목표를 설정하는 것은 잘못된 안정감을 줄 수 있습니다.

개인 재무는 개인마다 고유하기 때문에 복잡하고 어려운 문제입니다.

백만장자 미션의 목표는 공유된 이야기와 더 깊은 인사이트를 통해 사람들을 교육하고 영감을 주는 것입니다.