은퇴 계획에서 과세 대상 계좌의 중요성

### 재무 계획에서 과세 대상 계좌의 중요성
* 💼 Aaron은 **59세 반 이전에 은퇴할 계획이 없기 때문에 과세 대상 계좌 없이 Roth IRA와 HSA를 최대 한도로 사용할지 고려 중**입니다.
* 💰 그러나 금융 전문가들은 특히 생활비나 특별한 투자 기회를 위해 자금에 쉽게 접근할 수 있도록 **과세 대상 자산을 보유할 필요**가 있다고 강조합니다.
* 📉 401(k)와 같은 과세이연 계좌에서 인출하면 **일반 소득세율이 적용**되어 상당히 높아질 수 있으므로 매력도가 떨어집니다.
* 🌱 로스 계좌는 **비과세 혜택**을 제공하지만, 시간이 지남에 따라 상당한 성장 가능성이 있기 때문에 인출을 망설이는 경우가 많습니다.
* 🔑 과세 대상 계정을 통해 **강력한 비상 준비금**을 마련하는 것은 재무 안정성과 자본 접근성을 위해 매우 중요합니다.
* 🔄 재정적 운영 순서에 따르면 **Roth 및 HSA 계좌에 자금을 지원하는 것이 유리**하지만, 향후 유연성을 위해 **과세 대상 계좌를 만드는 것도 중요**합니다.
* 📊 전문가는 **비과세 계좌에 대한 불입금을 최대화**하는 동시에 충분한 세후 비상금을 확보하는 것이 현명하다고 조언합니다.
* 📈 궁극적으로 Aaron은 **비과세 성장과 즉각적인 자금 접근성 사이의 균형**을 고려하여 더 많이 저축하고 현명하게 투자를 관리하도록 권장합니다.

비상 준비금과 투자 기회를 위해 과세 대상 계좌를 만드는 것을 고려해야 합니다.

[Music] Moving on to Aon's question next. You say Aaron Aaron okay a a r o n a a Ron. He says I am not planning on retiring before 59 A5. I don't need a bridge account. Should I continue to max out my Roth IRA HSA and not have anything in taxable. I feel like I don't need taxable. Am I missing something yes do tell you I'm very confident about that. I mean look I I have clients that love the tax savings of retirement accounts but I'm just telling you you need some taxable holdings just because it's it's just the easiest access point for not only just paying your living expenses but also if you come across once in a-lifetime investments. It's just it doesn't have the the drag that retirement accounts have U. Let me let me put it this way when you pull money out of tax deferred accounts. That's your 401ks and other things. You just know you're going to pay ordinary income tax rates and that hurts because usually

those are your higher tax rates. Roth money, yes, you could get access to that. You could even get access to the capital of the initial contributions, probably tax-free. But you're going to find that, especially if you're good with math and numbers, you hate taking money out of Roth because at tax-free growth, there's a reason the government's restricting how much you can put in each year. It's because, man, when it hits critical mass, it feels so sweet watching that account grow—10,000, 100,000, whatever it is—completely tax-free. So, you kind of hesitate to want to grab that first too. So, that leaves having the taxable just to—so, you own your life is what I look at it—is it taxable? I know you say you don't need a bridge account, but man, do I like having a strong emergency reserves and access to capital. Um, and that's what the taxable accounts are going to allow you to do. I agree with you, but there's—see, Aaron threw this

thing on the end. He's like, Oh, I don't. I'm not going to re 59 and a half. Should I keep funding Roth and HSA? The thing that's so unique about Roth and HSA is they are those tax-free accounts. So, you're saying he's much younger and still in the step five of the financial order of operations. That's something, yeah, I probably just over. So, now I'm thinking is when he's thinking about building a taxable account, is making the... Is he having to make the decision, I can either put money into Roth and HSA or put it into a taxable account? In that scenario, man, this is where, because I agree with you completely with... We're talking about pre-tax accounts. You get retired. It's very expensive to go buy a car. It's going to cost you the car plus the taxes to pull it out. But with Ross and HSAs, those dollars can come out tax-free. And while I agree with they are the most valuable assets you have, you want them to grow as long as possible in terms of

getting them funded if I'm thinking through beginning to build a taxable Bridge account or continue to pile those dollars into the tax-free. I see where A's coming from because even getting those dollars into the tax-free when you get to 59 a half, there is no tax drag, and hopefully, that tax-free bucket is just big enough that yeah, you're having to pull from it. But I think having those dollars in the accounts and funded would probably be okay in the scenario, so long as you don't, as long as you know that you know that you know you won't need to leave before 59 and a half. Now yes, you can basis and that kind of Stu, you know what fixes all this? Save more, do more, both. There's a system called the financial order of operations 'cause you know what step four is going to make sure you have enough in that after-tax emergency fund, that you have all the access points that I was talking about. And then I misunderstood. I thought we were Beyond, so I missed that part if

Aaron is still in step five with the Roth and HSA. Yeah, get in there. There's a reason I was just telling you nobody wants to touch that is because it's so good. So, you need to go take advantage of what the government's offering you. Step six, the M, you know, max out your retirement accounts, getting to 25% investment rate at a tax-favored way. It's really step seven, and that's where I was maybe giving you too much credit, Aaron, is that I thought you were already kind of thinking about how you're going to use this money in retirement. So, step seven is where you think about the three buckets, where it's after-tax money, the tax-deferred money, and then the tax-free Roth money. Maybe I skipped a step there. I should have known the foo is your way of what to do with your next dollar. Love it.

I Don’t Plan to Retire Early - Do I Really Need Taxable Investments?

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과세 대상 자산을 보유하는 것은 생활비나 특별한 투자 기회를 위한 자금에 쉽게 접근하기 위해 필수적입니다.

은퇴 계좌는 특히 자금을 인출할 때 세금에 영향을 미칠 수 있습니다.

과세 대상 계좌는 유연성을 제공하며 강력한 비상 준비금과 자본 접근성을 유지하는 데 도움이 될 수 있습니다.

로스 및 HSA 계좌는 특히 젊은 층에게 부를 쌓을 수 있는 특별한 비과세 옵션입니다.

이러한 계좌에 자금을 입금할지 과세 계좌에 입금할지 결정하는 것은 매우 중요한데, Roth 및 HSA는 세금 없이 인출할 수 있기 때문입니다.

이러한 계좌는 귀중한 자산으로 간주되며 가능한 한 오랫동안 성장하도록 허용해야 합니다.

과세 브릿지 계좌와 비과세 저축 계좌에 자금 조달하기

과세 대상 브리지 계좌를 만들거나 비과세 계좌에 계속 투자하는 것 모두 고려할 수 있는 옵션입니다.

비과세 계좌는 59세 반 이후에는 세금이 부과되지 않으므로 조기 인출이 필요하지 않은 경우 매력적인 옵션입니다.

더 많이 저축하고 재정 운영 순서를 따르면 세후 비상 자금과 액세스 포인트를 충분히 확보하는 데 도움이 될 수 있습니다.

재정적 혜택 극대화하기: 취해야 할 단계

Aaron은 5단계에서 매우 유익한 Roth와 HSA에 집중하고 있습니다.

6단계는 은퇴 계좌를 최대로 활용하여 세금 혜택을 받는 방식으로 25%의 투자 비율을 달성하는 것입니다.

7단계에서는 세후 자금, 과세이연 자금, 비과세 로스 자금의 세 가지 버킷을 고려하여 은퇴 계획을 세우는 것을 강조합니다.