백만장자 마인드: 지속적인 자산 성장을 위한 전략

### 부의 축적: 백만장자 지위와 그 이후의 여정
* 💰 주 거주지를 제외한 순자산이 **100만 달러가 넘으면 공식적으로 백만장자가** 되며 **상위 12%의 부유층**에 속하게 됩니다.
* 📈 첫 백만 달성은 빠른 성장의 토대를 마련하기 때문에 매우 중요하며, **그 임계값을 넘으면 두 번째 백만 달성은 훨씬 더 빠르게 이루어지는 경향**이 있습니다.
* ⚠ 첫 백만 달성 시 도움이 되었던 전략을 포기하지 않는 것이 중요하며, **일관된 접근 방식을 유지하는 것**이 지속적인 성공의 열쇠입니다.
* 🔍 더 높은 자산 구간으로 넘어갈수록 자산 축적뿐 아니라 장기적인 안정성을 보장하기 위해 **자산 유지에도 초점**을 맞추는 것이 좋습니다.
* 🏠 순자산이 늘어나면 부동산 투자나 창업과 같은 새로운 기회를 모색할 수 있지만, 진행하기 전에 항상 **이러한 옵션을 신중하게 평가**하세요.
* 📊 learn.money.com에 있는 것과 같은 도구는 **재무 목표를 정의**하고 원하는 미래 라이프스타일을 달성하는 데 필요한 것이 무엇인지 이해하는 데 도움이 될 수 있습니다.
* 💡 보다 공격적이거나 복잡한 투자 전략을 추구하고 싶은 유혹이 있을 수 있지만, **자신의 능력 내에서 생활하고 위험을 관리하는 것**과 같은 기본 원칙을 고수하는 것도 그만큼 효과적일 수 있다는 점을 기억하세요.
* 🌱 마지막으로, 새로운 부의 단계를 탐색하고 재정 여정에서 잠재적인 사각지대를 파악하는 데 도움이 되는 **금융 전문가의 지원**을 활용하는 것도 고려해 보세요.

백만장자는 성공적인 자산 형성 전략을 유지하면서 성장과 보존을 위한 새로운 기회를 모색해야 합니다.

[Music] because the next strata is the exciting one. It's the one that gets all the headlines. It's the one that gets the press. This is when your net worth, excluding your primary residence, gets into seven-figure land. You are now officially a millionaire in terms of the wealth that you've built to this point. Yeah, this one puts you - I mean, once you have this, you're in the top 12% of the rich. Yeah, and by the way, if you go into liquid net worth, this number gets even - it gets below 5%. So, that's an incredible thing when we talk about this. And I know there are some naysayers out there. They'll look at this and they'll say, Hey, we just came through a big inflationary period. You guys are still talking about a million. We've moved on from that. But now we're at 3 million, we're at 5 million, 10 million. I can tell you, you realize we've done all this content where we show you

this gets easier and easier 'cause once it gets to a certain critical mass, the money grows upon itself. I can tell you this: as soon as you get to your first million, that second million happens that much fast. It's very quick. The third, fourth, fifth. You don't get to 5 million without a million first. You don't get to 10 million without that first million. Don't sleep on this and also don't let somebody tell you, Hey, just because the goal has moved to three million, don't worry about this or give up. You can do this. Another common fallacy, and we see this out all the time, is that someone assumes that, Okay, now that I've gotten to a million, I need to do something different. I need to change something about how I'm Brian. I played baseball growing up, right? And I had coaches that would always say, We get to the tournament, we get to playoffs, we get to State, we get to whatever it is. And we would get there playing ball a certain

way we had a certain strategy. We did it a certain way, and he would always say to us boys, Don't forget to dance with the one that brought you. Don't forget the thing that got you to where you are. Don't assume that just because you are here now, you have to do something different. And so often, we see people do that. So often, they think, Because now I have a million, I've got to do something more aggressive, more risky, more sophisticated, more fill in the blank. That's not the case. It's okay to continue building wealth the boring way, even when the numbers get big. Yeah, and by the way, just because you reach millionaire status, especially liquid millionaire status, don't let somebody try to sell you on some doctor deal because it's sexier, has a sizzle. This is what other rich people do. You know, we deal with a lot of millionaires. There's nothing wrong with that boring low-cost index fund. There's nothing wrong with that risk-adjusted, you know, low-cost portfolio that you're dealing. There's nothing

wrong with you know just thinking about basic tax planning, not getting into something so sophisticated that it's really spinning your head. You're like, This is so complex, I don't even understand what we're doing anymore. You can actually be successful with a lot of the same behaviors that got you to that seven-fig status. None of that changes: living on less than you make, thinking about risk, focusing on the things that you can control like taxes, focusing on your behavior, how much I'm saving, am I still putting my money to work. Those things are still great, but even considering that reaching 1 million could mean it's time to start adding stuff, not changing what you're doing, but as you get to that phase, as you get to that stage of your wealth-building journey, there might be some things that you want to consider. Like early on, you're focused on accumulate, accumulate, accumulate, build, build, build, build. As the assets get bigger and as you start to move into that place, now you're beginning to think about the finish line.

What does the finish line look like? What am I actually working towards? Yeah, are you ahead of the curve, behind the curve, or right where you need to be? 'Cause this is where I don't want you to be, that Financial Miser, where your loved ones are saying, Why do we still stay this way? Why are we doing it this way? And it's actually taking away from the happiness or the memory-building opportunity. So, actually do the work of knowing, are you ahead of the curve? Because then maybe you can pull back a little bit on what your savings rate or your investment rate, maybe live a little bit more, but don't skip the step of actually doing the work of knowing your number. And that's why we actually created that course and the tool at learn.money.com. Yeah, this is a great thing. If you can define what you want your future life to look like, you can put this into the tool, and it will actually tell you, Okay, what's required for me to get from where I am now to where I want to be in the future? And it

defines that finish line for you. Another thing that you can start thinking about is, as you start to reach this seven-figure L, as your net worth grows above $1 million. Now you can begin focusing not just on the make wealth or the get wealthy behaviors, but now you get to focus on the maintain wealth or the stay wealthy behaviors. And those are, at this stage, just as important as the make wealth behaviors were early on in your journey. Yeah, there's nothing wrong with when you're in the stay wealthy phase to risk your life. And then that might even make sense to pay down low-interest debt. Nothing wrong with that. It also might mean that you have this glad path or understanding that your portfolio is going to be a little bit more conservative, so that that risk capacity issue doesn't come up and bite you, 'cause you just don't have as much time to wait for recovery. And then don't forget, I always amaze you, you know more than likely this is your first journey into building seven-figure status, and you don't have a

lot of blind spots you have, or you have people selling you on stuff, and you're just like, I just don't know what I don't know, or you're busy because you are a successful person, so there's a lot of obligations that go into that. There's nothing wrong with bringing in somebody, taking the relationship to the next level. I would ask you, Hey, remember the abundance cycle? Who planted the seeds? Who taught you to learn to apply these concepts of good financial management and helped you grow to the level that you are? I'd love for you to pay it back to us through the abundance cycle. Go check us out at work with us. You can go to money.com. You know we have all kinds or even aboundwealth.com. We have great resources for you. And then one of the other things, again, as you get to this stage, as you have a million-dollar net worth outside of your home, you may begin at this stage thinking about new accumulation opportunities. Is this the time when I want to get into real estate, or do I

want to think about starting a business or investing in a small business, but you need to make sure that you measure two, three, four times before you do this. Because again, you're not changing the strategy that got you to where you are, you're just recognizing that in addition to what I am doing, maybe now there are other things I could be doing as well.

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순자산 100만 달러(주 거주지 제외)에 도달하면 상위 12%의 부유층에 속하게 되며, 유동 순자산은 이를 더욱 특별하게 만들어 줍니다.

첫 백만 달러에 도달한 후에는 돈이 저절로 불어나기 시작하면서 이후 백만 달러를 향한 여정이 더 빨라집니다.

재정 목표의 변화와 관계없이 부를 쌓는다는 목표에 집중하는 것이 중요합니다.

자산 구축에서 일관성의 중요성

자산이 증가하더라도 일관된 전략을 유지하는 것은 부를 쌓는 데 매우 중요합니다.

백만장자 지위에 도달했다고 해서 더 위험하거나 복잡한 투자로 전환할 필요는 없습니다.

초기의 성공에 기여했던 기본적인 재무 원칙과 행동을 계속 우선순위에 두는 것이 중요합니다.

'재정적 실패자' 상황에 처하지 않으려면 재무 목표가 앞서 있는지, 뒤처져 있는지, 정상적으로 진행되고 있는지 평가하는 것이 중요합니다.

com의 과정과 도구는 원하는 미래의 삶을 정의하고 이를 위해 무엇이 필요한지 결정하는 데 도움이 될 수 있습니다.

순자산이 100만 달러 이상으로 늘어나면 부를 만드는 것에서 유지하는 것으로 초점을 전환하고 위험과 포트폴리오 관리에도 유의하세요.

성공한 사람들은 바쁜 일정과 의무로 인해 재정 관리의 사각지대에 놓이는 경우가 많습니다.

이 강연자는 풍요의 주기를 통해 환원의 중요성을 강조하고 재정적 지침을 위한 리소스를 제공합니다.

순자산이 백만 달러에 도달하면 부동산과 같은 새로운 자산 축적 기회를 고려해야 할 중요한 시기입니다.

소규모 비즈니스를 시작하거나 투자하려면 신중한 고려와 철저한 계획이 필요합니다.

현재 전략을 평가하고 잠재적인 새로운 기회를 인식하는 것이 중요합니다.

시간을 들여 옵션을 측정하고 평가하면 더 많은 정보에 입각한 결정을 내릴 수 있습니다.