How To Take A Sabbatical (CASE STUDY)
Summary
TLDR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
💼 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。
💰 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。
💹 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。
Mindmap
Keywords
💡サバティカル
💡緊急資金
💡タックスプランニング
💡401k
💡Rothアカウント
💡資産
💡収入
💡支出
💡リタイア計画
💡長期的な資金流
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
[Music]
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