Q: 현재 모기지 이자율이 3.0%이고 최근에 승진해서 여유자금이 한달에 $1000 더 생겼어요. 이 돈으로 모기지를 더 갚을까요, 아니면 요즘 5% 이자율 상품 많던데 저축할까요? $1000씩 매달 모기지를 더 내면 한 4년 안에 완전 페이오프 가능할 것 같은데 어떻게 하는게 더 좋을까요? 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
Roth는 의자의 3번째 다리와 비슷하다 Traditional와 Taxable보다 익숙도 낮은 Roth 제도 연령이 높아질 수록 Roth의 조건이 복잡해질 수 있다. 친해지기 어색하지만 일찍 친해질 수록 유익한 Roth! 은퇴자금을 생각할 때 크게 보면 세가지 bucket가 있습니다: traditional, Roth 그리고 일반 taxable 계좌. Traditional이라고 흔하게 불리는 계좌형태는 pretax형태로서 불입할 때 세전금액으로 채워집니다. Roth라고 불리는 형태는 세후금액으로 채워지고, 마지막으로 taxable이라고 제가 자주 사용하는 용어는 그냥 일반 브로커리지나 은행 등의 별도의 절세조건이 없는 계좌를 의미합니다. 자주 묻는 질문 중에, Roth는 왜 하면 좋은가라는 질문이
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