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이런 질문은 중요한 재정적 결정할 때 지인이 좋다고 해서 하거나 그냥 대충 감으로 결정하는 것 보다 정확한 분석을 통해서 결정할 수 있으면 좋다고 생각합니다. 두가지의 옵션을 간략하게 생각해볼게요.

옵션 1: 페이오프에 올인 48개월 동안 매달 $1000 @ 3.0% 이자율의 미래가치 = $50,931.21
옵션 2: 세이빙에 48개월 동안 매달 $1000 저축 @5% 미래가치 = $53,014.89

이렇게만 보면 옵션 2가 $2000 이상 이득인데, 사실 세이빙에서 받는 이자는 세금이 부과됩니다.

만약에 연방세금 22%에다 주세율 5%라면 총 27% 세율이 되겠네요. 그러면 세후로는 5%가 3.65%가 됩니다.

옵션 2 (세후) 3.65% effective 이자율 @ 48개월의 미래가치 = $51,596.64.

이렇게 따지고 보면 모기지 페이오프 하는 것과 그 돈을 세이빙에 넣는 것은 $665.43의 차이가 납니다. 어느 쪽으로 해도 큰 차이는 없겠지만, 세금효과를 포함한 정확한 계산법을 통한 비교분석을 통해 확실히 알고 결정하는 게 중요하다고 생각됩니다.  이런 고민거리를 놓고 결정장애를 겪을 때는 세금과 상대적 분석을 정확히 할 수 있으면 고민하는 시간도 많이 줄일 수 있습니다.

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