How To Take A Sabbatical (CASE STUDY)

Summary

このビデオでは、ミッキーとミニーという夫婦が55歳で退職できるように、2年間サバカリを計画しながら財政的自立を目指す方法について説明しています。彼らは現金100,000ドルと1,500,000ドルの税金を非公認口座に保持しており、そのうち一部を使ってサバカリを資金提供する予定です。また、彼らは年間120,000ドルの税金と93,000ドルの貯金を行っていますが、サバカリ期間には年間30,000ドルの追加費用が発生すると予想されています。ビデオでは、彼らがどのように税金の計画を通じてサバカリ期間中に0円の税金を支払うことができるかについても説明しています。

Takeaways

• 💼 米奇和米妮这对夫妇计划在45岁左右时休两年的长假，同时希望保持55岁退休的灵活性。
• 💰 他们目前拥有约100万美元的现金和150万美元的应税非退休账户，这对于资助休假非常有用，因为税率通常较低，且没有提前取款的惩罚。
• 🏦 他们还有100万美元的传统退休账户（如401ks或IRAs），但由于年龄未满50岁，提前取款会有10%的惩罚，因此不建议用于资助休假。
• 💡 他们可以通过将资金投入可征税账户或现金来为休假做准备，同时也可以设立专门的休假基金。
• 🚩 休假期间，他们计划每月支出约14,000美元，包括额外的旅行和娱乐费用，总计每年需要额外30,000美元。
• 📊 尽管休假期间不会储蓄，但他们的长期财务规划显示，即使在休假两年后，他们的资产仍然足以支持他们在55岁时退休。
• 💹 他们通过将资金投入可征税账户，有机会在休假期间通过出售长期增值投资来资助休假，同时支付0税。
• 💼 休假期间，他们的收入将为零，但他们可以通过战略性税务规划，如将资金从传统IRA转换为Roth IRA，以及在低税率时实现资本收益，来节省税收。
• 🌐 休假不仅有助于实现生活目标，提高生活质量，还可以通过适当的税务规划节省大量税收，从而在一定程度上抵消休假期间的支出。
• 📈 通过适当的规划，休假可以是实现早期退休和财务独立目标的一个很好的选择，同时不会牺牲太多净资产。

Q & A

ミッキーとミニーはなぜ2年間サバカリアンを計画していますか？

ミッキーとミニーは40代半ばにあり、主要な目標の1つが55歳で退職できるように計画しているため、2年間サバカリアンを取ることを計画しています。彼らは退職の柔軟性を保ちたいと考えています。

彼らがサバカリアン期間中に資金をどのように管理する予定ですか？

彼らは現金約10万ドルと、約150万ドルの税金を非退職口座に保持しており、サバカリアン資金として使用する予定です。また、彼らは長期資本利得を生成し、税金をゼロで支払う方法も探求しています。

ミッキーとミニーはどのようにしてサバカリアン期間中の支出をカバーする予定ですか？

彼らは現金と税金を非退職口座から使用し、長期資本利得を生成することで、税金をゼロで支払うことができます。これにより、サバカリアン期間中の支出をカバーする資金源が確保されます。

彼らの401kやIRAなどの税金を前もって取れる口座はどのように扱うべきですか？

税金を前もって取れる口座は、早期退職の罰金がかかるため、サバカリアン資金には最後の選択肢とすべきです。彼らはこれらの口座を退職後に使用することを計画しています。

サバカリアン期間中に彼らはどのように税金の節約を行うことができますか？

彼らは税率が低いサバカリアン期間中に長期資本利得を生成することで、税金を節約することができます。また、標準控除額までRothへの変換を行うことで、税金のゼロ負担を維持できます。

彼らの年収と年間支出はどのくらいですか？

ミッキーは年収約30万ドル、ミニーは年収約10万ドルを耳にしています。彼らの年間支出は約144,000ドルです。

サバカリアン期間が彼らの早期退職計画にどのような影響を与えますか？

サバカリアン期間は彼らの資産価値に若干の影響を与える可能性がありますが、長期的な資産計画は良好であり、55歳で退職する目標には向かって進むと見込まれています。

彼らはどのようにしてサバカリアン期間中の支出を見積もりますか？

彼らは月々の平均支出を14,000ドルと見積もり、年間で30,000ドルの追加支出を計画しています。これには旅行、飛行機、娯楽、およびサバカリアン期間中の医療コストや保険COVERAGEが含まれます。

彼らはどのようにして資産を管理し、財政的独立を目指す計画を立てていますか？

彼らは401kに最大限の貢献を行い、税金を非退職口座に積み重ねることで資産を管理し、財政的独立を目指す計画を立てています。また、現金を保持してサバカリアン資金を確保する予定です。

サバカリアン期間中に税金の節約をどのように計画していますか？

彼らは税率が低いサバカリアン期間中に長期資本利得を生成し、税率が低い時に投資からの収入を生成することで、税金の節約を計画しています。これにより、通常の年収年と比べて約20,000ドルの税金を節約できる可能性があります。

Outlines

00:00

💼 休暇計画と財務独立

この段落では、休暇を取ることの機会とそれに伴う税金の計画方法について説明しています。ミッキーとミニーという夫婦が2年間休暇を取りたいと考えている例を通じて、財務独立を目指しながら休暇を計画する方法を探ります。彼らは現金約10万ドルと、株式などの資産を持ち、休暇を資金提供するためには、高金利の貯金口座や株式口座を利用することが提案されています。彼らの年収は合計約40万ドルで、年間支出は約14万4千ドルです。税金と貯金計画を通じて、休暇を通じて人生の価値を最大化する方法が語られています。

05:00

💰 休暇による長期的な財務計画の影響

ミッキーとミニーが2年間休暇を取ることによる長期的な財務計画への影響について説明されています。彼らは401kやIRAなどの税金優antaged口座に積み立てており、休暇中はこれらを利用しないことで、早めの引出による罰金を避けることができます。休暇中は、年間3万ドルの追加支出が発生し、資産の減少を招く可能性がありますが、長期的な資産維持と早期退職計画への影響は最小限に留められます。休暇を通じて人生の充実を追求しつつ、財務独立の目標を維持する方法が提案されています。

10:02

💹 休暇中の税金計画の重要性

ミッキーとミニーが休暇中に行う税金計画の方法について説明されています。休暇中は収入がゼロになるため、税金の計画が重要になります。彼らは税金の標準控除額までRothIRAへの繰り入れや、長期資本利得の活用を通じて税金の節約が可能です。休暇中に株式を売却して資金を調達し、ゼロの税率帯に留まることにより、通常の年収時の税率よりはるかに低い税金を支払うことができます。これにより、休暇中の支出の一部を税金の節約でカバーできるようになります。税金計画を通じて、財務独立と人生の充実を両立させる方法が語られています。

Keywords

💡サバティカル

サバティカルとは、職務を一時的に離れる長期の休暇を指します。ビデオでは、主人公のミッキーとミニーが55歳で退職できる柔軟性を持ちながら、2年間サバティカルを取る計画について語っています。このキーワードはビデオの中心テーマであり、人生のリフレッシュやリタイア計画に重要な影響を与えます。

💡緊急資金

緊急資金とは、予期しない出来事に備えるための現金を指します。ビデオでは、サバティカルを計画する際に、緊急資金を使い果たさないようにすることが重要だと述べています。これは、経済的な安心感と計画の持続可能性を確保するための鍵です。

💡タックスプランニング

タックスプランニングとは、税金の支払いを最適化する戦略を立てることを指します。ビデオでは、サバティカル中に通常所得率よりも低い税率で課税されるため、タックスアカウントから資金を引き出す利点について説明しています。また、長期資本利得をゼロ税金で実現する方法も紹介されています。

💡401k

401kは、米国の企業による従業員の退職福利の一つで、税金を節約しながら長期にわたって蓄積できる退職資金です。ビデオでは、サバティカルを計画する際には、401kから資金を引き出すのは最後の手段とし、その理由として早めの引き出しによる10％の罰金が挙げられています。

💡Rothアカウント

Rothアカウントは、税金を後払いの形で資金を蓄積する退職資金アカウントの一形態です。ビデオでは、Rothアカウントから資金を引き出す際には税金がかからないという利点に触れていますが、ビデオの主人公はリタイア後にその資金を増やし続けたいと考えています。

💡資産

資産とは、所有権を持つ経済的な価値を持ち、将来の収入源となる可能性のある物事を指します。ビデオでは、主人公がサバティカルを資金提供するために持つ資産、特に現金や株式口座の重要性が強調されています。

💡収入

収入とは、個人または家庭が労働、投資、またはその他の活動から得る資金を指します。ビデオでは、サバティカル期間中に収入がゼロになること、またその影響を分析しています。これは、長期的なリタイア計画に直接的な影響を与える重要な要素です。

💡支出

支出とは、個人または家庭が商品やサービスを購入するために使用する資金を指します。ビデオでは、サバティカル期間中の支出を見積もり、その増加分（旅行や保険など）についても触れています。これは、資金計画において重要な要素です。

💡リタイア計画

リタイア計画とは、将来のリタイア生活を資金的にサポートするための計画を立てることを指します。ビデオでは、サバティカルを通じてリタイア計画を達成し、経済的自立を実現する戦略について語っています。

💡長期的な資金流

長期的な資金流とは、個人または家庭が長期間にわたって収入と支出を計画し、管理することです。ビデオでは、サバティカルを通じてリタイア計画に影響を与える長期的な資金流のシミュレーションを行っています。これは、計画の持続可能性と柔軟性を評価するのに役立ちます。

Highlights

就业间隔可以是获得必要的精神休息的宝贵机会，并且可以利用税收规划的机会。

Mickey和Minnie这对夫妇计划在45和44岁时进行为期两年的休假，同时希望在55岁时能够灵活退休。

他们目前拥有约10万美元的现金，建议设立专门的休假基金以避免动用紧急基金。

他们的应税非退休账户中有大约150万美元，适合用来资助休假，因为税率较低且没有提前取款的惩罚。

他们拥有100万美元的传统退休账户，但由于年龄未满50岁，不建议用于资助休假，以免受到10%的提前取款惩罚。

他们有大约6万美元的Roth账户，建议将这部分资金留到退休后使用，以享受税后增长。

Mickey和Minnie的总资产约为260万美元，他们的年收入为40万美元，年税收为12万美元，年储蓄为9.3万美元。

休假期间，他们预计每年需要额外3万美元用于旅行、娱乐和可能的额外医疗费用。

通过现金和经纪账户的资金，可以资助两年的休假，同时避免从税前账户提前取款的税收和惩罚。

休假两年可能会影响他们提前退休的长期计划，但通过适当的规划，休假和提前退休的目标可以并行实现。

在休假期间，他们可以通过战略性的税收规划，例如在税收较低的年份卖出长期投资以资助休假，从而节省税收。

通过将高达9.1万美元的资本利得转化为税收，同时保持在零税收区间，他们可以在休假期间节省超过2万美元的税收。

休假不仅可以实现生活目标，还可以通过适当的税收规划节省大量税收，从而在享受生活的同时保持财务独立。

适当的规划和税收策略可以帮助人们在实现财务独立的同时，享受生活，而不是过度储蓄。

Matt作为认证财务规划师和顾问，提供专业的早期退休规划服务，帮助优化财务状况。

Transcripts

these gaps in employment can be a super

valuable opportunity for you to get a

much needed mental break and we can also

take advantage of some tax planing

opportunities along the way so let's go

through this example case study and look

at how you can plan for sabatical while

also having the end goal of financial

Independence in mind okay so let's meet

Mickey and Minnie Mickey and Minnie are

both married they're currently in their

mid-40s age 45 and 44 and one of their

main goals is to essentially take a

2-year sabatical but they also don't

want to sabotage being able to retire at

55 or at least have the flexibility to

retire at 55 if they wish to do so later

in life now let's take a look at their

balance sheet at least they their assets

at this

point so currently they have cash of

around

$100,000 and the important thing when it

comes to your cash and and taking a

sabatical is you don't want to deplete

your emergency fund and one of the ways

you can actually save for sabatical uh

would be actually setting up essentially

a sabatical fund it could be a high

yield savings account and get some nice

yield on your cash while you're saving

now obviously they don't have enough

cash to fully cover a 2-year sabatical

uh which we'll look at when we look at

their their expenses but that's where

their taxable non-retirement account

comes in and they have around $1.5

million in that account now a taxable

account can be a great account to use

when funding sabatical because the tax

rates are normally a lot lower to your

normal ordinary income rates you also

don't have any sort of penalties for

taking distributions so this is the the

other account that you can use and we're

actually going to talk about how you can

generate basically up to $91,000 in

capital gains and still pay0 in taxes so

make sure you stick around as we go

through that next we have their

traditional accounts here so your their

401ks or IRAs they have run $1. Million

on those have because they're under the

age of 50 we don't necessarily want to

use those accounts to fund the sabatical

because youd be hit with that 10% uh

early withdrawal penalty if you use that

money so that would probably be one of

the last accounts you want to use to

find a sabatical uh if you're actually

planning for a sabatical one strategy

would be to contribute up to your fork

to get the match and then maybe you want

to start putting funds towards a uh

taxable account like the non-retirement

account we have right here or putting

some of your funds towards cash if

you're SA saving in the near term here

and lastly we have their Roth account

which they have around $60,000 you know

you could take money take your

contributions out uh taxfree but again

we want to leave that till retirement

let that grow taxfree from retirement

that puts their total assets around $2.6

million but let's start to look at their

income here so Mickey earns around

$300,000 per year and then mini earns

$100,000 per year they're both

Executives at the Walt Disney Company so

they have high incomes here but let's

break down their expenses so their

average monthly spending is around

$144,000 per month again that's

including all their spending including

their mortgage payments and then of

their total income they have around

$120,000 a year in taxes and that's made

up of both federal state as well as F

taxes so those are all the taxes that

we're factoring in and of their savings

they're saving around $93,000 per year

they're maxing out both their 401ks and

then heavily putting a good amount of

money towards their taxable account each

month as well that's that's over

24% of their income that is save going

towards savings and then lastly they

estimate they'll need an additional

30,000 each year during those sabatical

years so that's going to go towards

travel uh flights entertainment and also

adding any sort of extra medical cost or

uh insurance coverage during the 2-year

period now looking at their assets the

key thing here for funding a 2-year

sabatical uh with your assets is having

enough in both cash and a brokerage

account so whether you have employer

stock in that account or just have been

saving an account like that for decades

this can help fund your sabatical again

avoiding the taxes you pay in early

withdraw penalties from your pre-tax

accounts but in order to make sure this

is a good option for them and figuring

out basically what they can expect to

spend we want to go through how taking

two years off would impact their

long-term plan of retiring early now

here's Mickey and Minnie's financial

plan and what it looks like visually

when we run the numbers here so as as

you can see each one of these bars is a

year of their lives so next year they're

going to be AE 45 and 47 and their

investable assets are at $3.3 million of

course there are a few assumptions in

these projections that you should be

aware of you know so first of all we're

estimating a hypothetical investment

rate of return of 7% along with an

inflation Factor here of

3.75% and we add add in that higher

inflation number to add basically an

extra layer of conservative numbers into

this that way their budget is a lot more

flexible if they do overspend and you

should also know that we are having

their expenses grow at that inflation

rate over their

lifetimes now over time if they continue

to Max it out their 401ks and save into

that taxable brokage account the trend

of their plan looks really good

especially as it looks as retiring at

age 55 but of course as mentioned at the

beginning they want to know what would

happen after taking two years off so two

years of number one not saving and

number two spending down some of their

portfolio yeah so how would that look

how would that affect their long-term

plan and these numbers are future value

right here so we're looking at 40 years

of projections the main goal here again

is not Precision but to see the trend

and the trend is looking really good as

it currently stands all right so let's

see what happens when they take a 2-year

sabatical okay so I'm going to toggle

this on

now so there's some variables that you

should know on the left we're assuming

that Minnie and Mickey both finish out

2023 so they're making that $400,000

grow salary for 2023 and they're also

assuming in 2024 and 20125 both Mickey

and Minnie are taking those two years

off completely so zero income during

those two years and like I mentioned

when I was going through uh their

expenses we're factoring an additional

cost of $30 $30 ,000 per year we're also

factoring in that they're going to stop

saving completely so they're not going

to be working so they're not going to

have 41k to contribute they're also

going to stop their taxable brokerage

account uh contributions and we're also

factoring in that later on again in

20126 they can they could expect to have

a similar salary and they both start

working during that year so as you can

see clearly there is some value lost as

far as you see the gray here above each

Blue Bar uh is the value loss but again

their goal is not in taking a sabatical

is not to maximize their net worth but

to maximize their life here so we're

okay with that but let's look at some of

the details the cash flow details so we

can see what their estimated uh

sabatical spending might be okay so what

you're looking at in these cash flow

projections is their cash flow over time

right so in 2023 we can see that they're

both age 46 by the end of the year uh

they have an income and salary of around

$400,000 combined total and you can see

their their net savings the $93,000 we

talked about their total expenses were

$37,000 we're taking all their taxes as

well as their mortgage and all spending

wrapped up in that number right there

and you can see that they don't have to

withdraw anything of course because

they're working and they're not taking

any income out of their portfolio if we

look at the next year when they begin

their sabatical you can see their

expenses drop significantly and the big

piece of that is because they're both

not working and they're not paying any

sort of taxes so this

198,000 is basically a good ballark

estimate for what they might spend again

that's $14,000 per month times 12 and

also we're adding in that extra

$30,000 or so on top of that now that's

that's going to be going over the the

next 2 years of them going through a

sabatical here and again the long-term

projections still look good their assets

still last P past age 95 so the trend is

good despite them taking a sabatical

because they can go back to work after

that 2-year period and still earn and

save uh really well so now we have a

good ballpark estimates for spending

during those two sabatical years and we

can also see that the plan to retire

early is still headed in the right

direction from a long-term standpoint

this is why getting your expenses right

is so crucial and I've actually created

a a retirement Readiness report to show

you where you're at now and what sort of

action steps that you may want to

consider uh taking to increase your

chances of a successful early retirement

and I personally go through your numbers

and I'm going to record a custom video

walking you through the results and

share with you things that people that

are a few years ahead of you have

already retired early are thinking about

so if you're interested in that see the

link in the description below but like I

mentioned the goal at looking at these

long-term cash flow projections is not

for precision it's for us seeing Trends

and these numbers are conservative that

they can have that flexibility to make

changes if they find themselves going

above budget here but a huge opportunity

we have when you take a sabatical that

most people Overlook is doing some great

tax planning like I mentioned there's a

way that they can use their taxable

account to essentially sell long-term

gain Investments to fund the sabatical

and pay $0 in taxes so during the year

of the mous sabatical of course we're

assuming Mickey and Minnie's salaries

will literally be

Zer and the principle of tax planning is

to defer income when your tax rate is

high and then generate income from your

Investments when your tax rate is low so

let's look at an example here at how we

can do some strategic tax planning okay

so what you're looking at here is a side

by-side comparison of 2023 so the year

before the sabatical and then 2024 when

Mickey and Minnie uh start their first

year of sabatical as you can see in

during the tax year 2023 if we assume

they finish out the year working you

know their taxable wages are going to be

approximately 355,000 of course that's

off after all those pre-tax deductions

and if we continue to scroll down here

looking at their total tax assuming they

take the standard deduction uh federally

they'll be paying $66,000

in tax right that puts them in the

24% marginal bracket in a typical year

but if we assume and looking at this

right column right here based on 2024

figures they're going to have Z in wages

so we don't want to let this go to waste

so first of all you know how about we

convert up to $28,000 at least up to the

standard deduction towards Roth here

right and you can see

$28,000 converted to Roth what that what

is that going to do to their tax plan

and I'm going to pull up the tax report

right here so as you can see even if

they convert

$28,000 to from their pre-tax accounts

to Roth they're going to still pay $0 in

taxes and then also you we talked about

taking some long-term capital gains they

can they can take up to

$91,000 of capital gains so generate

those taxes and then also we go back to

the tax report

and still stay in that

0% tax bracket for capital

gains but let me show you how this would

affect a normal year so again converting

$28,000 2024 no tax liability but if we

did a Roth conversion in 2023 while

they're earning uh while they're earning

substantial income that's an additional

$

6,780 of tax at that 24% rate on top of

paying all the other taxes so that would

not be a a prudent decision in a year

where they're making that much money so

not only are they filling a life goal by

taking the sabatical but they're also

saving nearly $7,000 in ordinary income

tax plus over $113,000 in capital gains

so that's over $20,000 in taxes saved

while they're in Europe or whatever they

want to do so this tax savings really

offsets a good portion of their 2-year

sabatical spending just through some

proper tax planning so the main takeaway

here is that a spaical may not be the

decision that's going to maximize your

net worth per se but it could maximize

uh your return on life and the point I

want to make is that with proper

planning a sple can be a great option to

ultimately get the case of an early

retirement while still reaching your

financial Independence goals and I do

often see people taking savings way too

far and saving more than they really

need to and this might cost them in

terms of what they're missing out on on

live so I made a video on when you

should actually stop saving for an early

retirement you can watch that by

watching right here again this is Matt

I'm a certified financial planner and

advisor over at one degree advisors if

you want us to take a look at your early

retirement plan and see how we can help

optimize your situation go ahead and

click the link in the show notes to

schedule a complimentary 15minute call

with me or anyone on my team thanks for

watching and I'll catch you guys in the

next

one

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