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
나이가 많을 수록 원천징수를 하는 것이 유용할 수 있습니다. 하지만 59.5세 미만이면 원천징수를 하면 절대 안됩니다. 천불미만의 세금부담일 경우에는, 소정의 이자를 위해 원천징수 안하는 것이 유리할 수 있습니다. 어떤 연령이든, Roth Conversion하는 경우에는 대부분 원천징수 안하는게 유리합니다. 은퇴를 한 후에 401나 traditional IRA에서 돈을 인출하려고 브로커리지 사이트에 가서 보면 세금을 원천징수 (withholding)하겠는지 물어보는데, 이 때 어떻게 하는게 맞는 걸까요? 원천징수를 할까요, 아니면 하지말고 총액을 인출할까요? 결론부터 말하자면 금액의 크기와 용도에 따라 다를 수 있습니다. 만약에 Roth Conversion이 목적이라면, 일반적으로 원천징수를
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