재정 관련 조언: 현명한 움직임과 일반적인 함정

### 스마트한 자금 이동: 저축한 10만 달러로 할 수 있는 일
* 💰 화폐학자는 단순히 동전을 수집하는 사람**이므로 너무 복잡하게 생각하지 마시고 그냥 동전을 수집**한다고 하세요.
* 📉 자산 관리 및 자문 수수료가 포함된 투자는 **수익률이 감소할 수 있고 쉽게 청산되지 않을 수 있음**을 주의해야 합니다.
* 🏠 위험한 투자 대신 **현금으로 주 주택을 갚고 임대 부동산을 구입**하여 현금 흐름을 개선하고 위험을 낮추는 방법을 고려해 보세요.
* 📊 장기 간병 보험은 60세 이상에게는 필수이지만, 불필요한 비용을 피하려면 **종신 보험이 아닌 정기 보험**을 선택해야 합니다.
* 🔍 주택 수리의 경우, **주택 보증은 생각했던 것과 다른 보장을 제공**하지 않는 경우가 많아 예상치 못한 비용이 발생할 수 있으므로 피하세요.
* 💡 생명보험은 누군가가 여러분의 수입에 의존하는 경우 매우 중요하므로 **저축액이 10만 달러가 될 때까지 기다렸다가 가입하지 마세요.**
* 🌟 확실한 재정 조언도 있지만, **금 투자나 저렴한 주택 보증**과 같이 사실이 아닌 것처럼 들리는 제안은 주의하세요.
* 🏦 마지막으로, 저축한 돈을 **고수익 예금 계좌에 넣어 유동성을 유지**하고 합리적인 이율로 성장하도록 하는 동시에 온라인에서 잘못된 금융 조언에 주의하세요.

투자자는 투자에 대한 이해를 우선시하고 너무 좋아 보이는 사기는 피해야 합니다.

[Music] $100,000 is a lot of money, and if you've got $100,000 saved up, good for you. I'm happy for you. It's one of those benchmark numbers that just feels like a big milestone to celebrate. But what do you actually do with that $100,000? Where should you put that money to make sure it's growing and helping you reach your financial goals? Well, a little site called Money Talk News posted this article about this very thing. The headline: Seven Things You Must Do When Your Savings Reach $100,000. And here's the deal: some of it is decent advice, and some of it you should 100% not do. So, in today's video, we'll look at this article to see which of the seven things they recommend doing are actually smart money moves and which ones are dumber than a screen door on a space station in a little segment I like to call Yes or Pass. Could we have gone with a simple Yay or Nay? Sure, but that sounds like we're voting on officers in the Rotary.

Club we're younger. We were more energetic. We've got the Riz, baby. But you're so old. Any before we jump in, make sure you like this video, subscribe to the channel, and share this with all of your friends in the Rotary Club, and also your friends who have no idea what the Rotary Club is, like me. I know rotary phones. Is it some kind of club for old-timey phone enthusiasts? 'Cause that actually sounds cool. All right, here we go. The first thing they say you should do is safeguard your assets with gold. And to that, I say pass. That's right, that's a pass for me. They're pushing you to a specific company called Goldco, where you can buy precious metal coins and bars. Why? Well, because they make money if you click that link and buy something. But don't do it. Don't do it. Don't do it. Data shows that over time, the stock market has outperformed gold. And if you want to know more about this, you can check out the video I made about the modern-day gold rush. I'll drop a

link to that below, but I love this line they use to try to give this thing credibility. Gold Co has been around for more than a decade and has been recommended by celebrities like actor Chuck Norris and even former presidential candidate Ron Paul. Look, I don't know for sure, but I don't think Chuck Norris invests in Gold. I think Gold invests in Chuck Norris. When Chuck Norris was born, he drove his mother back from the hospital. And Chuck, if you're watching, let me know in the comments. Let's debunk this thing, baby. All right, the next thing they say you should do if you have $100,000 in savings is plan now for medical costs. Medicare won't cover what they're trying to sell you on here is long-term care insurance, which covers the cost for a nursing home, assisted living, or in-home care when you or a loved one gets older and starts dealing with health issues. So, is this a good idea? Do you really need long-term care insurance? Well, if you're over 60, the

answer is yes. It is a good idea. Why not before 60? Why? Why? Why? Why? Well, here's the stats: about 92% of long-term care claims are filed by people older than age 70, with most new claims starting after age 80. So, it doesn't really make sense to dish out money for an extra decade for no reason. So, with that caveat, I'm going to give this one a big old yes. That's right, we were hoping for a Yas, and we got one. Yes, Queen. Yes, Queen. Next up, invest in real estate with as little as $10. Without reading anything else, I already know this is going to be a big old pass. Yeah, it's a pass for me. Here's why. This article is pointing you to a company called Fundrise, which lets ordinary people with modest amounts of money, i.e., $10, own a piece of lucrative real estate holdings. Okay, notice they said Peace. Basically, they let you pool your money with other investors to buy into private commercial and residential properties, and that may sound good, but

what they're not telling you is there's asset management fees, advisory fees, and possibly other fees, and your investment isn't very liquid, meaning you can't always just take it out when you want to. What Fundrise actually is, is a private Real Estate Investment Trust, or REIT for short. And if you want to know more about these REITs, I break down all the different types in my new book, Breaking Free from Broke, in the Investing Traps chapter. And if you want to get a copy, I'll drop a link to that below. Bottom line, don't invest in anything you don't understand, and if it sounds too good to be true, it probably is. Listen, nobody is getting rich off a $10 re-investment, and if you want to invest in real estate a better way, I recommend paying off your primary home first, then finding a rental property you can pay for in cash. Way less risk, way more cash flow. All right, next on the list, we've got use the secret source for massive discounts, and the secret source they're talking about

is AARP the American Association of Retired Persons? I know, I know, you would think it would be retired people. People in order to join, you need to have at least 11 gray hairs and occasionally eat dinner at Cracker Barrel at 4:00 p.m. I'm kidding, calm down, Ethel. You actually don't have to be retirement age to be a member here. It's open to people 18 and older, which is why I think they're calling this one a secret. People don't know that, according to the article, members get discounts on hundreds of things, like up to 200 bucks off flights, up to 30% off rental cars, up to 15% off restaurants, and up to 20% off hotels, all for as low as $12 per year. So, is this a good idea? Well, truthfully, the benefits aren't that impressive, and the discounts aren't that big, so your mileage may vary here. Also, they're going to use your data to send you a barrage of mail and insurance sales pitches, so you've been

warned if you want to try this one out. Now, the key to this membership, or any membership for that matter, is you want to make sure that you're going to save more than the membership costs. So, if you are, and that's you, go for it, give it a shot. I'm not mad about it, but as for me and my house, I'm going to give this one a big old pass. Nailed it. Okay, next on the list. Here's what they're telling you to do: get a second opinion, not in the medical sense, like when you find a new doctor to ask him if your hosis is caused by flaming hot Cheeto consumption. They're talking about something different here, working with a financial adviser. And here's a line from the article: Even if you don't need help picking investments, they can help you create a plan, maximize your Social Security, protect your assets, and offer you peace of mind by ensuring you're on the right track. Now, I actually agree with him on this. I personally use a financial adviser and would totally

recommend it when you're ready. That means you're debt-free with an emergency fund, and you're ready to invest the right way. So I'm going to give this one a hearty yes. We were due for a yes. I'm just saying it was time. Next up on their list, they say don't let home repairs drain your bank account. Okay, I agree here so far. Home repairs shouldn't make you go broke, but what they're trying to sell you on here is a home warranty, which I don't recommend. This is not advice I would give to people even if you have $100,000 in savings. Home warranties are generally a waste of money. You see, a lot of times the warranty doesn't even cover the thing that breaks. Here's what I mean. Let's say your fridge stops dispensing ice. You check your warranty, and it says ice makers are covered. Sweet. It's nice. So you give them a call, and they say, Oh, technically that's the ice dispenser that's broken, not the ice maker. So you have to pay for that yourself. Then you

get mad and you tip over the fridge, and the guy who lives in the apartment below you calls the cops, and now it's a whole thing. Most home repairs, according to research, are less than 500 bucks, and home warranties only cover the cheapest repairs and replacements, so this one unfortunately gets a big [Music] fat pass. There we go, a little light on that one, Bob. All right, the last thing they recommend is protecting your loved ones for less. Okay, what they're talking about here is life insurance, and here's what they say. Not everybody needs insurance. If your kids are grown and you have a nice fat bank account, there's really no need. But if your family would have a hard time getting along without you, life insurance is definitely something you should look into. All right, I wholeheartedly agree with that part so far. And don't wait until you have $100,000 in savings to get life insurance. If someone depends on your income, a spouse, a child, you need to get life insurance today. But make sure you

get the right type. It's got to be term life insurance, not whole life insurance. Avoid whole life and permanent life like denture on the Oregon Trail. It's a fraction of the cost without all of the commissions and fees they charge you. And this term life does the one thing life insurance is meant to do: replace your income if you die. So, what you're looking for is level term life that's 10 to 12 times your annual income. A 15 or 20-year Term Policy should do for most people because at that point, if you follow what I teach on this channel, you would be what we call self-insured. You've got the money to cover it, and they're going to be okay. So, with that caveat, I'm going to give this one a nice little yes, yes, yes indeed. All right, now that we've identified The Good, The Bad, and The idiotic in this article, hopefully, you've got a better idea of what you should and shouldn't do with your money if you get $100,000 in

savings or $110,000 for that matter. And here's a bonus tip: if you do have $100,000 in savings, I recommend storing it in a high-yield savings account to keep it liquid, safe, and growing at a solid rate. And lastly, pay attention to your sources. A lot of these websites and articles posing as financial advice really exist just to hawk products and services that are not in your best interest, so scroll with caution. I don't want you making a dumb decision with your money just because some article sends you to a site trying to lure you in with a free half-ounce silver Ronald Reagan coin. Wish I was making that up. Am I tempted? Sure. Look at that thing. Absolutely glorious. Will I fall for it? No. There's got to be a catch. Are you ever not going to fall for that? As always, don't forget to like this video, subscribe to the channel, and share this video with a numismatist who's just chomping at the bit to get their grubby little hands on a half-ounce Ronnie.

If you're wondering what a numismatist is, Google it. I'm not your mom. A specialist, researcher, and/or a well-informed collector of numismatics (coins). Just say coins. Are you embarrassed? You want to sound fancy like your mom's like, What are you doing with your life? You're like, Mother, I'm a numismatist. Just, You collect coins, buddy. Get a real job.

7 Things You Must Do Once You Have $100K

George Kamel

10만 달러 절약을 위한 스마트 머니 이동

10만 달러를 저축하는 것은 중요한 이정표이며, 이를 현명하게 사용하는 방법을 아는 것이 중요합니다.

머니 토크 뉴스의 기사에서는 이 돈으로 할 수 있는 일곱 가지를 제안하지만, 모두 좋은 조언은 아닙니다.

할인을 받기 위해 AARP에 가입하는 것은 혜택이 인상적이지 않고 마케팅에 데이터를 사용하기 때문에 그만한 가치가 없을 수 있습니다.

젊고 활기찬 사람들을 위한 재정 조언

연사는 나이든 청중에게 유머러스하게 재정적 조언의 타당성에 의문을 제기합니다.

그들은 특정 회사를 통해 금에 투자하는 것을 반대하며 주식 시장의 장기 수익률이 더 높다고 조언합니다.

대신 고수익 예금 계좌에 저축할 것을 권장하고 자신의 이익을 위해 금융 조언을 제공하는 웹사이트를 신뢰하지 말라고 경고합니다.

비상 자금으로 부채가 없다는 것은 투자할 준비가 되었다는 핵심 지표입니다.

일반적으로 주택 보증은 실제 문제가 발생했을 때 보상이 되지 않는 경우가 많기 때문에 돈 낭비입니다.

재정 고문과 협력하면 계획을 세우고, 소셜 시큐리티를 극대화하고, 자산을 보호하는 데 도움이 될 수 있습니다.

정기 생명보험은 보험료가 저렴하고 수수료와 수수료가 없기 때문에 종신보험이나 영구 생명보험보다 권장됩니다.

15~20년 동안 연 소득의 10~12배를 보장하는 수준의 정기 생명보험이 대부분의 사람들에게 이상적입니다.

부양가족이 있는 분들에게는 생명보험이 필수이며, 상당한 저축을 하기 전에 가입하는 것이 좋습니다.

화폐학자와 투자 팁에 대한 이해

화폐 수집가는 동전 전문가 또는 수집가로, 종종 자신의 취미에 대해 멋지게 보이려고 노력합니다.

Fundrise와 같은 사모 리츠를 통해 부동산에 투자하는 경우 숨겨진 수수료와 유동성 문제가 발생할 수 있습니다.

위험 부담이 적은 투자를 위해 먼저 주 거주 주택을 갚고 현금을 지급하는 임대 부동산을 찾는 것이 좋습니다.