{"id":70213,"date":"2026-05-12T14:10:37","date_gmt":"2026-05-12T14:10:37","guid":{"rendered":"https:\/\/fabricegrinda.com\/?p=70213"},"modified":"2026-05-12T14:10:44","modified_gmt":"2026-05-12T14:10:44","slug":"%e8%b3%87%e7%94%a3%e3%82%92%e7%af%89%e3%81%8f%e6%96%b9%e6%b3%95101%e9%87%91%e8%9e%8d%e3%83%96%e3%83%ad%e3%81%ab%e3%81%aa%e3%82%89%e3%81%9a%e3%81%ab","status":"publish","type":"post","link":"https:\/\/grinda.org\/ja\/%e8%b3%87%e7%94%a3%e3%82%92%e7%af%89%e3%81%8f%e6%96%b9%e6%b3%95101%e9%87%91%e8%9e%8d%e3%83%96%e3%83%ad%e3%81%ab%e3%81%aa%e3%82%89%e3%81%9a%e3%81%ab\/","title":{"rendered":"\u8cc7\u7523\u3092\u7bc9\u304f\u65b9\u6cd5101(\u91d1\u878d\u30d6\u30ed\u306b\u306a\u3089\u305a\u306b)"},"content":{"rendered":"\n<p>\u307b\u3068\u3093\u3069\u306e\u4eba\u306f\u652f\u51fa\u306e\u554f\u984c\u3092\u62b1\u3048\u3066\u3044\u308b\u308f\u3051\u3058\u3083\u306a\u3044\u3002\u30b7\u30b9\u30c6\u30e0\u306e\u554f\u984c\u3092\u62b1\u3048\u3066\u3044\u308b\u3093\u3060: <\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u304a\u91d1\u3092\u7a3c\u3050\u3002<\/li>\n\n\n\n<li>\u304a\u91d1\u3092\u4f7f\u3046\u3002<\/li>\n\n\n\n<li>\u306a\u3093\u3068\u306a\u304f\u3046\u307e\u304f\u3044\u304f\u3053\u3068\u3092\u671f\u5f85\u3059\u308b\u3002<\/li>\n<\/ul>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>10\u5e74\u5f8c:<em>\u300c\u3042\u308c\u2026\u304a\u91d1\u3069\u3053\u884c\u3063\u305f?\u300d<\/em><\/p>\n\n<p>\u3053\u308c\u306f\u7279\u306b\u50d5\u306e\u77e5\u3063\u3066\u3044\u308b\u591a\u304f\u306e\u8ce2\u304f\u3066\u6210\u529f\u3057\u3066\u3044\u308b\u5973\u6027\u306b\u5f53\u3066\u306f\u307e\u308b\u3002\u5f7c\u5973\u305f\u3061\u306e\u80fd\u529b\u304c\u52a3\u3063\u3066\u3044\u308b\u304b\u3089\u3058\u3083\u306a\u304f\u3001\u8ab0\u3082\u660e\u78ba\u3067\u30b7\u30f3\u30d7\u30eb\u306a\u653b\u7565\u6cd5\u3092\u6559\u3048\u3066\u304f\u308c\u306a\u304b\u3063\u305f\u304b\u3089\u3060\u3002<\/p>\n\n<p>\u3060\u304b\u3089\u3001\u3053\u3053\u306b\u793a\u3059\u3088\u3002<\/p>\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\"><strong>\u30b9\u30c6\u30c3\u30d71:\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u3092\u7406\u89e3\u3059\u308b\u3002<\/strong><\/h2>\n\n<p>\u73fe\u5b9f\u7684\u306b\u8003\u3048\u3066\u307f\u3088\u3046\u3002<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>\u30b1\u30fc\u30b9A:\u5e74\u53ce$100K<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u7dcf\u53ce\u5165:$100,000<\/li>\n\n\n\n<li>\u7a0e\u91d1(\u7d0430%):$30,000<\/li>\n\n\n\n<li>\u624b\u53d6\u308a:<strong>$70,000(\u6708\u7d04$5,800)<\/strong><\/li>\n<\/ul>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>\u652f\u51fa:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u5bb6\u8cc3:$2,200<\/li>\n\n\n\n<li>\u751f\u6d3b\u8cbb:$3,000<\/li>\n\n\n\n<li>\u5408\u8a08:\u7d04$5,200<\/li>\n<\/ul>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>\u8caf\u84c4:<strong>\u6708\u7d04$600(\u5e74\u7d04$7,200)<\/strong><\/p>\n\n<p>\u5927\u4e08\u592b\u3060\u3088\u3002\u3067\u3082\u91d1\u6301\u3061\u306b\u306f\u306a\u3089\u306a\u3044\u3002 <\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>\u30b1\u30fc\u30b9B:\u5e74\u53ce$150K(\u540c\u3058\u30e9\u30a4\u30d5\u30b9\u30bf\u30a4\u30eb)<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u624b\u53d6\u308a:<strong>\u7d04$105,000(\u6708\u7d04$8,750)<\/strong><\/li>\n\n\n\n<li>\u652f\u51fa\u306f\u5909\u308f\u3089\u305a:\u7d04$5,200<\/li>\n<\/ul>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>\u8caf\u84c4:<strong>\u6708\u7d04$3,500(\u5e74\u7d04$42,000)<\/strong><\/p>\n\n<p>\u3053\u308c\u306a\u3089\u8a71\u304c\u9055\u3063\u3066\u304f\u308b\u3002\u8cc7\u7523\u306f<strong>\u8caf\u84c4\u7387<\/strong>\u3067\u7bc9\u304b\u308c\u308b\u3082\u306e\u3067\u3001\u6295\u8cc7\u306e\u624d\u80fd\u3058\u3083\u306a\u3044\u3002 <\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u5e74$7K\u2192\u3086\u3063\u304f\u308a\u3068\u3057\u305f\u9032\u6b69\u3002<\/li>\n\n\n\n<li>\u5e74$20K\u2192\u672c\u5f53\u306e\u8cc7\u7523\u5f62\u6210\u3002<\/li>\n\n\n\n<li>\u5e74$30K\u2013$40K\u2192\u7d4c\u6e08\u7684\u81ea\u7acb\u3078\u306e\u8ecc\u9053\u3002<\/li>\n<\/ul>\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\"><strong>\u30b9\u30c6\u30c3\u30d72:\u57fa\u76e4\u3092\u7bc9\u304f\u3002<\/strong><\/h2>\n\n<p><strong>1. \u7dca\u6025\u8cc7\u91d1\u3002<\/strong><\/p>\n\n<p>\u78ba\u4fdd\u3059\u308b\u3082\u306e:<strong>4\u301c6\u30f6\u6708\u5206\u306e\u751f\u6d3b\u8cbb\u3092\u73fe\u91d1\u3067\u3002<\/strong><\/p>\n\n<p>\u4f8b:\u6708$5K\u306e\u652f\u51fa\u2192$20K\u301c$30K\u306e\u6e96\u5099\u91d1<\/p>\n\n<p>\u3053\u308c\u306f\u30ea\u30bf\u30fc\u30f3\u306e\u305f\u3081\u3058\u3083\u306a\u3044\u3002\u30b9\u30c8\u30ec\u30b9\u4e0b\u3067\u611a\u304b\u306a\u6c7a\u65ad\u3092\u3057\u306a\u3044\u305f\u3081\u3060\u3002 <\/p>\n\n<p><a href=\"https:\/\/www.wealthfront.com\/cash\" data-type=\"link\" data-id=\"https:\/\/www.wealthfront.com\/cash\" target=\"_blank\" rel=\"noreferrer noopener\">Wealthfront Cash Account<\/a>\u306e\u3088\u3046\u306a\u9ad8\u5229\u56de\u308a\u53e3\u5ea7\u306b\u5165\u308c\u3066\u304a\u3053\u3046\u3002\u73fe\u57283.30%\u306e\u5229\u56de\u308a\u3060\u3002<\/p>\n\n<p>Wealthfront Cash\u304c\u597d\u304d\u306a\u7406\u7531:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u3068\u3066\u3082\u4f7f\u3044\u3084\u3059\u3044UX\u3002<\/li>\n\n\n\n<li>\u7c21\u5358\u306a\u30aa\u30f3\u30e9\u30a4\u30f3\u8a2d\u5b9a\u3002<\/li>\n\n\n\n<li>\u826f\u3044\u5229\u56de\u308a\u3002<\/li>\n\n\n\n<li>\u6700\u4f4e\u9810\u91d1\u984d\u306a\u3057\/\u6708\u984d\u624b\u6570\u6599\u306a\u3057\u3002<\/li>\n\n\n\n<li>\u5f37\u529b\u306a\u6d41\u52d5\u6027\u6a5f\u80fd\u3002<\/li>\n\n\n\n<li>\u63d0\u643a\u9280\u884c\u3092\u901a\u3058\u305f\u5f37\u529b\u306aFDIC\u4fdd\u8b77\u4f53\u5236\u3067\u3001\u500b\u4eba\u53e3\u5ea7\u306f\u6700\u5927$800\u4e07\u307e\u3067\u5bfe\u8c61<\/li>\n<\/ul>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>\u7dca\u6025\u8cc7\u91d1\u3068\u77ed\u671f\u306e\u73fe\u91d1\u306f\u3053\u3053\u306b\u7f6e\u3044\u3066\u304a\u3053\u3046\u3002<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>2. \u60aa\u3044\u501f\u91d1\u3092\u6d88\u3059\u3002<\/strong><\/p>\n\n<p>\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9=\u78ba\u5b9f\u306a\u30de\u30a4\u30ca\u30b9\u30ea\u30bf\u30fc\u30f3\u3002<\/p>\n\n<p>\u8fd4\u6e08\u3057\u3088\u3046!<\/p>\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\"><strong>\u30b9\u30c6\u30c3\u30d73:\u3069\u3053\u306b\u6295\u8cc7\u3059\u308b\u304b(\u552f\u4e00\u91cd\u8981\u306a\u9806\u5e8f)\u3002<\/strong><\/h2>\n\n<p>\u3053\u3053\u3067\u307b\u3068\u3093\u3069\u306e\u4eba\u304c\u9593\u9055\u3048\u308b\u3002<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>1. 401(k)\u2192\u96c7\u7528\u4e3b\u306e\u30de\u30c3\u30c1\u30f3\u30b0\u307e\u3067\u3002<\/strong><\/p>\n\n<p>\u7121\u6599\u306e\u304a\u91d1\u3092\u53d7\u3051\u53d6\u308d\u3046\u3002\u96c7\u7528\u4e3b\u304c\u30de\u30c3\u30c1\u30f3\u30b0\u3057\u3066\u304f\u308c\u308b\u306a\u3089\u3001\u53d7\u3051\u53d6\u308b\u3002\u5e38\u306b\u3002\u4f8b\u5916\u306a\u3057\u3002   <\/p>\n\n<p>\u4f8b:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u3042\u306a\u305f\u304c$5K\u5165\u308c\u308b<\/li>\n\n\n\n<li>\u96c7\u7528\u4e3b\u304c$5K\u8ffd\u52a0<br\/>\u2192\u5373\u5ea7\u306b100%\u306e\u30ea\u30bf\u30fc\u30f3<\/li>\n<\/ul>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>2. Roth IRA\u2192\u4e0a\u9650\u307e\u3067\u3002<\/strong><\/p>\n\n<p>\u30de\u30c3\u30c1\u30f3\u30b0\u304c\u306a\u3044\u5834\u5408\u3001\u3053\u308c\u304c\u6700\u512a\u5148\u306b\u306a\u308b\u3002<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u7a0e\u5f15\u304d\u5f8c\u306e\u304a\u91d1\u3092\u62e0\u51fa\u3059\u308b\u3002<\/li>\n\n\n\n<li><strong>\u6c38\u4e45\u306b\u975e\u8ab2\u7a0e<\/strong>\u3067\u6210\u9577\u3059\u308b\u3002<\/li>\n\n\n\n<li>\u62e0\u51fa\u91d1\u306f\u3044\u3064\u3067\u3082\u5f15\u304d\u51fa\u305b\u308b\u3002<\/li>\n\n\n\n<li>\u5b8c\u5168\u306a\u6295\u8cc7\u30b3\u30f3\u30c8\u30ed\u30fc\u30eb\u3002<\/li>\n<\/ul>\n\n<p>\u3053\u308c\u306f\u904e\u5c0f\u8a55\u4fa1\u3055\u308c\u3066\u3044\u308b\u3002\u9000\u8077\u53e3\u5ea7\u3067\u3042\u308a\u306a\u304c\u3089\u67d4\u8edf\u6027\u306e\u3042\u308b\u30c4\u30fc\u30eb\u3067\u3082\u3042\u308b\u304b\u3089\u3060\u300220\u4ee3\u308430\u4ee3\u306e\u307b\u3068\u3093\u3069\u306e\u4eba\u3001\u7279\u306b\u307e\u3060\u53ce\u5165\u306e\u30d4\u30fc\u30af\u306b\u9054\u3057\u3066\u3044\u306a\u3044\u4eba\u306b\u3068\u3063\u3066\u3001\u3053\u308c\u306f\u901a\u5e38\u30de\u30c3\u30c1\u30f3\u30b0\u306e\u306a\u3044401(k)\u3088\u308a\u3082\u512a\u308c\u3066\u3044\u308b\u3002 <\/p>\n\n<p>2026\u5e74\u306e\u4e0a\u9650:<strong>\u5e74$7,500\u3002<\/strong><\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>3. \u8ab2\u7a0e\u5bfe\u8c61\u306e\u8a3c\u5238\u53e3\u5ea7\u3002<\/strong><\/p>\n\n<p>\u3053\u3053\u3067\u307b\u3068\u3093\u3069\u306e\u30a2\u30c9\u30d0\u30a4\u30b9\u304c\u6020\u60f0\u306b\u306a\u308b\u3002<\/p>\n\n<p>\u3088\u304f\u805e\u304f\u306e\u306f:\u300c\u4ed6\u306e\u4f55\u3088\u308a\u3082\u5148\u306b401(k)\u3092\u4e0a\u9650\u307e\u3067\u5165\u308c\u308d\u300d<\/p>\n\n<p>401(k)\u306f\u8907\u5229\u904b\u7528\u4e2d\u306e\u7a0e\u91d1\u306e\u5f71\u97ff\u3092\u907f\u3051\u3089\u308c\u308b\u305f\u3081\u3001\u7a0e\u52b9\u7387\u304c\u9ad8\u3044\u3053\u3068\u304c\u591a\u3044\u3002\u305f\u3060\u3057\u3001\u5f15\u304d\u51fa\u3057\u6642\u306b\u306f\u901a\u5e38\u6240\u5f97\u3068\u3057\u3066\u8ab2\u7a0e\u3055\u308c\u308b\u4e00\u65b9\u3001\u8ab2\u7a0e\u5bfe\u8c61\u306e\u6295\u8cc7\u306f\u4f4e\u3044\u30ad\u30e3\u30d4\u30bf\u30eb\u30b2\u30a4\u30f3\u7a0e\u7387\u3068\u5b8c\u5168\u306a\u67d4\u8edf\u6027\u306e\u6069\u6075\u3092\u53d7\u3051\u308b\u3002 <\/p>\n\n<p>\u5c06\u6765\u306e\u305f\u3081\u306e\u8caf\u84c4\u306b\u52a0\u3048\u3066\u3001\u8ab2\u7a0e\u5bfe\u8c61\u306e\u8a3c\u5238\u53e3\u5ea7\u306f\u6b21\u306e\u3088\u3046\u306a\u3053\u3068\u306b\u4f7f\u3048\u308b:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u4ed5\u4e8b\u3092\u8f9e\u3081\u308b\u3002<\/li>\n\n\n\n<li>\u65c5\u884c\u3059\u308b\u3002<\/li>\n\n\n\n<li>\u8d77\u696d\u3059\u308b\u3002<\/li>\n\n\n\n<li>\u60aa\u3044\u95a2\u4fc2\u304b\u3089\u629c\u3051\u51fa\u3059\u3002<\/li>\n<\/ul>\n\n<p>\u3060\u304b\u3089\u5e73\u5747\u7684\u306b\u306f\u3001401(k)\u306f\u96c7\u7528\u4e3b\u306e\u30de\u30c3\u30c1\u30f3\u30b0\u307e\u3067\u306b\u3057\u3066\u3001\u6b21\u306bRoth IRA\u3092\u4e0a\u9650\u307e\u3067\u3001\u305d\u308c\u304b\u3089\u8ab2\u7a0e\u5bfe\u8c61\u53e3\u5ea7\u306b\u9032\u3080\u306e\u304c\u3044\u3044\u3068\u601d\u3046\u3002\u9000\u8077\u5f8c\u306f\u91d1\u6301\u3061\u3060\u3051\u3069\u4eba\u751f\u306f\u8ca7\u3057\u3044\u3001\u306a\u3093\u3066\u3053\u3068\u306b\u306f\u306a\u308a\u305f\u304f\u306a\u3044\u304b\u3089\u306d\u3002 <\/p>\n\n<p>\u3068\u306f\u3044\u3048\u3001\u8caf\u84c4\u984d\u304c\u975e\u5e38\u306b\u9ad8\u304f\u3001\u9ad8\u3044\u7a0e\u7387\u533a\u5206\u306b\u3044\u3066\u3001\u30ad\u30e3\u30ea\u30a2\u3068\u5834\u6240\u304c\u5b89\u5b9a\u3057\u3066\u3044\u3066\u3001\u8fd1\u3044\u5c06\u6765\u306e\u6d41\u52d5\u6027\u304c\u5fc5\u8981\u306a\u3044\u5834\u5408\u306f\u3001\u30de\u30c3\u30c1\u30f3\u30b0\u3092\u8d85\u3048\u3066401(k)\u306b\u5e74\u9593\u5408\u8a08$24,500\u307e\u3067\u62e0\u51fa\u3059\u308b\u3053\u3068\u3082\u3067\u304d\u308b\u3002<\/p>\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\"><strong>\u30b9\u30c6\u30c3\u30d74:\u5b9f\u969b\u306b\u4f55\u3092\u8cb7\u3046\u304b\u3002<\/strong><\/h2>\n\n<p>\u8003\u3048\u3059\u304e\u306a\u3044\u3053\u3068\u3002<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>\u30aa\u30d7\u30b7\u30e7\u30f31(90%\u306e\u4eba\u306b\u6700\u9069)<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>100% VT(\u30b0\u30ed\u30fc\u30d0\u30eb\u682a\u5f0fETF)<\/strong><\/li>\n<\/ul>\n\n<p>\u5b8c\u4e86\u3002<\/p>\n\n<p>\u307b\u3068\u3093\u3069\u306e401(k)\u30d7\u30e9\u30f3\u306fVT\u306e\u3088\u3046\u306a\u30b0\u30ed\u30fc\u30d0\u30ebETF\u3092\u63d0\u4f9b\u3057\u3066\u3044\u306a\u3044\u3053\u3068\u306b\u6ce8\u610f\u3002\u305d\u306e\u5834\u5408\u306f\u3001401(k)\u5185\u3067\u4f4e\u30b3\u30b9\u30c8\u306e\u7c73\u56fd\u682a\u5f0f\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30d5\u30a1\u30f3\u30c9(S&amp;P 500\u30d5\u30a1\u30f3\u30c9\u306a\u3069)\u3092\u4f7f\u3048\u3070\u3044\u3044\u3002\u305d\u3057\u3066Roth IRA\u3068\u8ab2\u7a0e\u5bfe\u8c61\u53e3\u5ea7\u3067VT\u3092\u4f7f\u3046\u3002VT\u306f\u7d0460\u301c65%\u304c\u7c73\u56fd\u306a\u306e\u3067\u3001\u3053\u308c\u3067\u81ea\u7136\u306b\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u5168\u4f53\u304c\u7d0475\u301c80%\u7c73\u56fd\/20\u301c25%\u56fd\u969b\u306b\u306a\u308b\u3002\u3053\u308c\u304c\u307e\u3055\u306b\u76ee\u6307\u3059\u3079\u304d\u30d0\u30e9\u30f3\u30b9\u3060\u3002   <\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>\u30aa\u30d7\u30b7\u30e7\u30f32(\u308f\u305a\u304b\u306b\u6700\u9069\u5316)<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>80% VTI(\u7c73\u56fd)<\/strong><\/li>\n\n\n\n<li><strong>20% VXUS(\u56fd\u969b)<\/strong><\/li>\n<\/ul>\n\n<p>401(k)\u304c\u30b5\u30dd\u30fc\u30c8\u3057\u3066\u3044\u308c\u3070\u30b7\u30f3\u30d7\u30eb\u3067\u52b9\u679c\u7684\u3002Roth IRA\u3068\u8ab2\u7a0e\u5bfe\u8c61\u306e\u8a3c\u5238\u53e3\u5ea7\u3067\u3082\u540c\u3058\u914d\u5206\u306b\u3057\u3088\u3046\u3002 <\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>\u3084\u3063\u3066\u306f\u3044\u3051\u306a\u3044\u3053\u3068:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u500b\u5225\u682a\u3092\u9078\u3076\u3002<\/li>\n\n\n\n<li>\u30c8\u30ec\u30f3\u30c9\u3092\u8ffd\u3044\u304b\u3051\u308b\u3002<\/li>\n\n\n\n<li>\u6697\u53f7\u901a\u8ca8\u3092\u30b3\u30a2\u6226\u7565\u3068\u3057\u3066\u8cb7\u3046\u3002<\/li>\n\n\n\n<li>\u8907\u96d1\u306a\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u3092\u7d44\u3080\u3002<\/li>\n\n\n\n<li>\u8ce2\u304f\u3084\u308d\u3046\u3068\u3059\u308b\u3002<\/li>\n<\/ul>\n\n<p>\u305d\u3046\u3084\u3063\u3066\u4eba\u3005\u306f\u6d17\u7df4\u3055\u308c\u305f\u6c17\u5206\u306b\u306a\u308a\u306a\u304c\u3089\u30d1\u30d5\u30a9\u30fc\u30de\u30f3\u30b9\u3092\u4e0b\u56de\u308b\u3093\u3060\u3002<\/p>\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\"><strong>\u30b9\u30c6\u30c3\u30d75:\u3059\u3079\u3066\u3092\u81ea\u52d5\u5316\u3059\u308b\u3002<\/strong><\/h2>\n\n<p>\u8a2d\u5b9a\u3059\u308b\u3082\u306e:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u6bce\u6708\u306e\u632f\u66ff\u3002<\/li>\n\n\n\n<li>\u81ea\u52d5\u6295\u8cc7\u3002<\/li>\n<\/ul>\n\n<p>\u305d\u3057\u3066\u89e6\u3089\u306a\u3044\u3002\u3053\u308c\u306f\u30b7\u30b9\u30c6\u30e0\u3067\u3042\u3063\u3066\u3001\u8da3\u5473\u3058\u3083\u306a\u3044\u3002 <\/p>\n\n<p>\u3061\u306a\u307f\u306bRoth IRA\u3068\u8ab2\u7a0e\u5bfe\u8c61\u306e\u8a3c\u5238\u53e3\u5ea7\u306f\u4e21\u65b9\u3068\u3082<a href=\"http:\/\/www.fidelity.com\/\" data-type=\"link\" data-id=\"http:\/\/www.fidelity.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Fidelity<\/a>\u306b\u6301\u3064\u3068\u3044\u3044\u3088\u3002<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u6700\u3082\u4f7f\u3044\u3084\u3059\u3044UX\u306e\u30b9\u30e0\u30fc\u30ba\u306a\u30a2\u30d7\u30ea\u3002<\/li>\n\n\n\n<li>\u500b\u4eba\u53e3\u5ea7\u3067\u306e\u30aa\u30f3\u30e9\u30a4\u30f3\u7c73\u56fd\u682a\u5f0f\u304a\u3088\u3073ETF\u53d6\u5f15\u306e\u624b\u6570\u6599$0\u3002<\/li>\n\n\n\n<li>\u7c73\u56fd\u682a\u5f0f\u3068ETF\u306e\u7aef\u682a\u53d6\u5f15\u306b\u5bfe\u5fdc\u3002<\/li>\n\n\n\n<li>\u682a\u5f0f\u3068ETF\u306e\u5b9a\u671f\u6295\u8cc7\u6a5f\u80fd\u304c\u3042\u308a\u3001$1\u304b\u3089$100,000\u307e\u3067\u306e\u5b9a\u671f\u632f\u66ff\u306b\u5bfe\u5fdc\u3002<\/li>\n<\/ul>\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\"><strong>\u30b9\u30c6\u30c3\u30d76:\u5b9f\u969b\u306b$100\u4e07\u306b\u5230\u9054\u3059\u308b\u65b9\u6cd5\u3002<\/strong><\/h2>\n\n<p>\u5e74$20K\u309215\u301c17\u5e74\u9593\u3001\u7d047\u301c8%\u306e\u30ea\u30bf\u30fc\u30f3\u3067\u6295\u8cc7\u3059\u308c\u3070\u3001\u7d04$60\u4e07\u301c$100\u4e07+\u306b\u306a\u308b\u3002<\/p>\n\n<p>\u305d\u308c\u3092\u5e74$30K\u306b\u5897\u3084\u305b\u3070\u3001$100\u4e07\u306f\u307b\u307c\u81ea\u52d5\u7684\u306b\u9054\u6210\u3067\u304d\u308b\u3002<\/p>\n\n<p>\u9b54\u6cd5\u306f\u306a\u3044\u3002\u305f\u3060\u4e00\u8cab\u6027\u304c\u3042\u308b\u3060\u3051\u3002 <\/p>\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\"><strong>\u30dc\u30fc\u30ca\u30b9:\u8d08\u4e0e\u3068\u5bb6\u65cf\u304b\u3089\u306e\u304a\u91d1<\/strong><\/h2>\n\n<p><strong>\u3053\u308c\u306f\u3072\u3069\u304f\u8aa4\u89e3\u3055\u308c\u3066\u3044\u308b\u3002<\/strong><\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>\u7c73\u56fd\u3067\u306f:<\/strong><\/p>\n\n<p><strong>\u7c73\u56fd\u5916\u306e\u4eba<\/strong>\u304b\u3089\u304a\u91d1\u3092\u53d7\u3051\u53d6\u3063\u305f\u5834\u5408:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>\u975e\u8ab2\u7a0e!<\/strong><\/li>\n\n\n\n<li>$100K\u4ee5\u4e0a\u306e\u5834\u5408&gt;\u2192<strong>Form 3520<\/strong>\u3092\u63d0\u51fa\u3002<\/li>\n<\/ul>\n\n<p>\u305d\u308c\u3060\u3051!<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>\u30d5\u30e9\u30f3\u30b9\u3067\u306f(\u50d5\u306e\u8aad\u8005\u306e\u591a\u304f\u306b\u3068\u3063\u3066\u91cd\u8981)<\/strong><\/p>\n\n<p>\u89aa\u2192\u5b50\u3078\u306e\u8d08\u4e0e:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u7d04<strong>\u20ac100K\u304c\u975e\u8ab2\u7a0e\u3002<\/strong><\/li>\n\n\n\n<li><strong>\u89aa1\u4eba\u3042\u305f\u308a\u3002<\/strong><\/li>\n\n\n\n<li><strong>15\u5e74<\/strong>\u3054\u3068\u3002<\/li>\n<\/ul>\n\n<p>\u3064\u307e\u308a\u3001\u30d5\u30e9\u30f3\u30b9\u306e\u89aa\u306f15\u5e74\u3054\u3068\u306b\u5404\u5b50\u4f9b\u306b\u20ac100K\u3092\u975e\u8ab2\u7a0e\u3067\u8d08\u4e0e\u3067\u304d\u308b<\/p>\n\n<p>\u305f\u3060\u3057:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u9069\u5207\u306b\u7533\u544a\u3059\u308b\u3002<\/li>\n\n\n\n<li>\u672c\u5f53\u306e\u8d08\u4e0e\u3067\u3042\u308b\u3053\u3068\u3092\u78ba\u8a8d\u3059\u308b\u3002<\/li>\n<\/ul>\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\"><strong>\u30dc\u30fc\u30ca\u30b9:\u4e0d\u52d5\u7523\u3092\u8cb7\u308f\u306a\u3044\u7406\u7531\u306f?<\/strong><\/h2>\n\n<p>\u307f\u3093\u306a\u304c\u8a00\u3046:\u300c\u4e0d\u52d5\u7523\u306f\u6700\u9ad8\u306e\u6295\u8cc7\u3060\u300d<\/p>\n\n<p>\u305d\u3046\u304b\u3082\u3057\u308c\u306a\u3044\u3051\u3069\u3001\u3088\u304f\u8aa4\u89e3\u3055\u308c\u3066\u3044\u308b\u3002<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>\u30e1\u30ea\u30c3\u30c8:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u30ec\u30d0\u30ec\u30c3\u30b8\u3002<\/li>\n\n\n\n<li>\u5024\u4e0a\u304c\u308a\u306e\u53ef\u80fd\u6027\u3002<\/li>\n\n\n\n<li>\u8cc3\u8cb8\u53ce\u5165\u3002<\/li>\n<\/ul>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>\u4eba\u3005\u304c\u7121\u8996\u3059\u308b\u3053\u3068:<\/strong><\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>1. \u30d1\u30c3\u30b7\u30d6\u3058\u3083\u306a\u3044\u3002<\/strong><\/p>\n\n<p>\u5bfe\u51e6\u3059\u308b\u3082\u306e:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u30c6\u30ca\u30f3\u30c8\u3002<\/li>\n\n\n\n<li>\u4fee\u7406\u3002<\/li>\n\n\n\n<li>\u7ba1\u7406\u3002<\/li>\n\n\n\n<li>\u7a7a\u5ba4\u3002<\/li>\n<\/ul>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>Airbnb?\u305d\u308c\u306f\u4ed5\u4e8b\u3060\u3088! <\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>2. \u8cc7\u672c\u306e\u6d41\u51fa\u5148\u3002<\/strong><\/p>\n\n<p>\u652f\u6255\u3046\u3082\u306e:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u30e1\u30f3\u30c6\u30ca\u30f3\u30b9\u3002<\/li>\n\n\n\n<li>\u4fee\u7406\u3002<\/li>\n\n\n\n<li>\u56fa\u5b9a\u8cc7\u7523\u7a0e\u3002<\/li>\n\n\n\n<li>\u4fdd\u967a\u3002<\/li>\n<\/ul>\n\n<p>\u4f4f\u5b85\u6240\u6709\u8005\u3068\u3057\u3066\u8a00\u3048\u308b\u306e\u306f\u3001\u7269\u306f\u5e38\u306b\u58ca\u308c\u308b\u3068\u3044\u3046\u3053\u3068\u3060\u3002<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>3. \u6d41\u52d5\u6027\u304c\u4f4e\u3044\u3002<\/strong><\/p>\n\n<p>\u30a2\u30d1\u30fc\u30c8\u306e5%\u3092\u58f2\u308b\u3053\u3068\u306f\u3067\u304d\u306a\u3044\u3002ETF\u306a\u3089\u3067\u304d\u308b\u3002\u3055\u3089\u306b\u3001\u58f2\u5374\u306b\u306f\u9577\u3044\u6642\u9593\u304c\u304b\u304b\u308b\u3053\u3068\u304c\u3042\u308b\u3002\u50d5\u306e\u30a2\u30d1\u30fc\u30c8\u306f1\u5e74\u4ee5\u4e0a\u5e02\u5834\u306b\u51fa\u3066\u3044\u308b\u3002ETF\u306f\u672c\u8cea\u7684\u306b\u5373\u5ea7\u306b\u58f2\u5374\u3067\u304d\u308b\u3002    <\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>4. \u96c6\u4e2d\u3057\u3066\u3044\u308b\u3002<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>1\u3064\u306e\u7269\u4ef6<\/li>\n\n\n\n<li>1\u3064\u306e\u5834\u6240<\/li>\n\n\n\n<li>1\u3064\u306e\u5e02\u5834<\/li>\n<\/ul>\n\n<p>\u305d\u308c\u304c\u30ea\u30b9\u30af\u3060\u3002<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>5. \u4eca\u306f\u8a08\u7b97\u304c\u5408\u308f\u306a\u3044\u3053\u3068\u304c\u591a\u3044\u3002<\/strong><\/p>\n\n<p>2006\u5e74\u306b\u30d6\u30ed\u30b0\u8a18\u4e8b\u3092\u66f8\u3044\u3066\u3001\u4e0d\u52d5\u7523\u30d0\u30d6\u30eb\u3060\u3068\u611f\u3058\u3066\u3044\u305f\u6642\u671f\u306b\u306a\u305c\u8cc3\u8cb8\u306e\u65b9\u304c\u7406\u306b\u304b\u306a\u3063\u3066\u3044\u308b\u304b\u3092\u8aac\u660e\u3057\u305f:<a href=\"https:\/\/fabricegrinda.com\/rent-unless-you-want-to-buy\/\" data-type=\"link\" data-id=\"https:\/\/fabricegrinda.com\/rent-unless-you-want-to-buy\/\" target=\"_blank\" rel=\"noopener\">Rent\u2026 unless you want to buy<\/a>\u3002\u305d\u306e\u4e2d\u3067\u4e0d\u52d5\u7523\u6240\u6709\u306e\u7d4c\u6e08\u6027\u3092\u8aac\u660e\u3057\u3066\u3044\u308b\u3002\u540c\u3058\u8b70\u8ad6\u304c\u4eca\u65e5\u3082\u5f53\u3066\u306f\u307e\u308b\u3002  <\/p>\n\n<p>\u4eca\u65e5\u306e\u9ad8\u4fa1\u683c\u3068\u9ad8\u3044\u4f4f\u5b85\u30ed\u30fc\u30f3\u91d1\u5229\u3067\u306f\u3001\u7279\u306b\u30cb\u30e5\u30fc\u30e8\u30fc\u30af\u306e\u3088\u3046\u306a\u5834\u6240\u3067\u306f\u3001\u8cc3\u8cb8\u5229\u56de\u308a\u304c\u975e\u5e38\u306b\u4f4e\u3044\u3053\u3068\u304c\u591a\u3044\u3002<\/p>\n\n<p>\u50d5\u306e\u30a2\u30d1\u30fc\u30c8\u3092\u8cb8\u3057\u51fa\u3059\u3068\u3057\u305f\u3089\u3001\u8cc3\u8cb8\u53ce\u5165\u306f\u4f4f\u5b85\u30ed\u30fc\u30f3+\u56fa\u5b9a\u8cc7\u7523\u7a0e+\u30e1\u30f3\u30c6\u30ca\u30f3\u30b9+\u4fee\u7406\u3092\u30ab\u30d0\u30fc\u3067\u304d\u306a\u3044\u3002\u5b9f\u8cea\u5229\u56de\u308a\u306f\u3001\u6642\u9593\u3092\u542b\u3081\u306a\u304f\u3066\u3082\u826f\u304f\u30662\u301c4%\u3067\u3001\u6700\u8fd1\u306f\u901a\u5e38\u30de\u30a4\u30ca\u30b9\u3060\u3002 <\/p>\n\n<p>\u8a08\u7b97\u3092\u6210\u308a\u7acb\u305f\u305b\u308b\u552f\u4e00\u306e\u3082\u306e\u306f\u5024\u4e0a\u304c\u308a\u3060\u3002\u3057\u304b\u3057\u3001\u4fa1\u683c\u304c\u4e0a\u304c\u308b\u3053\u3068\u3092\u671f\u5f85\u3057\u3066\u3001\u5358\u4e00\u306e\u6d41\u52d5\u6027\u306e\u4f4e\u3044\u8cc7\u7523\u306b\u30ec\u30d0\u30ec\u30c3\u30b8\u30ea\u30b9\u30af\u3092\u53d6\u3063\u3066\u3044\u308b\u3002\u4fa1\u683c\u306f\u5e38\u306b\u4e0a\u304c\u308b\u308f\u3051\u3058\u3083\u306a\u3044\u3002\u50d5\u306fNY\u306e\u30a2\u30d1\u30fc\u30c8\u3092\u30b3\u30b9\u30c8\u3088\u308a\u3082\u306f\u308b\u304b\u306b\u5b89\u304f\u58f2\u5374\u3057\u3066\u3044\u308b\u3002\u3057\u304b\u308210\u5e74\u524d\u306b\u8cb7\u3063\u305f\u306e\u306b!   <\/p>\n\n<p>\u4eca\u65e5\u4e0d\u52d5\u7523\u3092\u8cb7\u3063\u3066\u3044\u308b\u307b\u3068\u3093\u3069\u306e\u4eba\u306f\u3001\u6295\u8cc7\u3092\u8cb7\u3063\u3066\u3044\u308b\u308f\u3051\u3058\u3083\u306a\u3044\u3002\u5927\u304d\u306a\u904b\u7528\u4e0a\u306e\u8907\u96d1\u3055\u3092\u4f34\u3046\u5024\u4e0a\u304c\u308a\u3078\u306e\u30ec\u30d0\u30ec\u30c3\u30b8\u8ced\u3051\u3092\u8cb7\u3063\u3066\u3044\u308b\u3093\u3060\u3002 <\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>ETF\u3068\u6bd4\u8f03\u3057\u3066\u307f\u3088\u3046:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u9577\u671f\u30ea\u30bf\u30fc\u30f3\u7d047\u301c8%\u3002<\/li>\n\n\n\n<li>\u5b8c\u5168\u306b\u6d41\u52d5\u7684\u3002<\/li>\n\n\n\n<li>\u30b0\u30ed\u30fc\u30d0\u30eb\u306b\u5206\u6563\u3002<\/li>\n\n\n\n<li>\u904b\u7528\u4e0a\u306e\u30aa\u30fc\u30d0\u30fc\u30d8\u30c3\u30c9\u30bc\u30ed\u3002<\/li>\n<\/ul>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>\u672c\u5f53\u306b\u8907\u96d1\u3055+\u30ec\u30d0\u30ec\u30c3\u30b8+\u30ea\u30b9\u30af\u30672\u301c4%(\u826f\u304f\u3066)\u3092\u3001\u30b7\u30f3\u30d7\u30eb\u3055+\u6d41\u52d5\u6027\u30677\u301c8%\u3088\u308a\u9078\u3073\u305f\u3044?<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>\u4e0d\u52d5\u7523\u304c\u6a5f\u80fd\u3059\u308b\u306e\u306f:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u305d\u308c\u304c\u597d\u304d\u306a\u5834\u5408\u3002<\/li>\n\n\n\n<li>\u898f\u6a21\u3067\u904b\u7528\u3059\u308b\u5834\u5408\u3002<\/li>\n\n\n\n<li>\u5f97\u610f\u306a\u5834\u5408\u3002<\/li>\n<\/ul>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>\u307b\u3068\u3093\u3069\u306e\u4eba\u306b\u3068\u3063\u3066\u3001\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u6295\u8cc7\u306e\u65b9\u304c\u7c21\u5358\u3067\u3001\u5b89\u5168\u3067\u3001\u30b9\u30b1\u30fc\u30e9\u30d6\u30eb\u3060\u3002<\/p>\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\"><strong>\u6700\u7d42\u7684\u306a\u771f\u5b9f<\/strong><\/h2>\n\n<p>\u5b8c\u74a7\u306a\u30bf\u30a4\u30df\u30f3\u30b0\u3001\u8907\u96d1\u306a\u6226\u7565\u3001\u91d1\u878d\u306e\u5929\u624d\u306f\u5fc5\u8981\u306a\u3044\u3002<\/p>\n\n<p>\u5fc5\u8981\u306a\u306e\u306f\u3001\u4e00\u8cab\u3057\u3066\u8caf\u84c4\u3057\u3001\u30b7\u30f3\u30d7\u30eb\u306b\u6295\u8cc7\u3057\u3001\u611a\u304b\u306a\u3053\u3068\u3092\u3057\u306a\u3044\u3053\u3068\u3060\u3002<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>\u4ed6\u306b\u4f55\u3082\u3057\u306a\u304f\u3066\u3082\u3001\u3053\u308c\u3060\u3051\u306f\u3084\u308d\u3046:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>4\u301c6\u30f6\u6708\u5206\u306e\u7dca\u6025\u8cc7\u91d1\u3092\u4f5c\u308b(Wealthfront Cash)\u3002<\/li>\n\n\n\n<li>401(k)\u306e\u30de\u30c3\u30c1\u30f3\u30b0\u3092\u53d7\u3051\u53d6\u308b\u3002<\/li>\n\n\n\n<li>Roth IRA\u3092VT\u3067\u4e0a\u9650\u307e\u3067\u5165\u308c\u308b(Fidelity)\u3002<\/li>\n\n\n\n<li>\u6b8b\u308a\u3092\u8ab2\u7a0e\u5bfe\u8c61\u53e3\u5ea7\u3067VT\u306b\u6295\u8cc7\u3059\u308b(Fidelity)\u3002<\/li>\n\n\n\n<li>\u3059\u3079\u3066\u3092\u81ea\u52d5\u5316\u3059\u308b\u3002<\/li>\n<\/ul>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>\u305d\u3057\u3066\u4eba\u751f\u3092\u751f\u304d\u3088\u3046\u3002\u8cc7\u7523\u306f\u304a\u91d1\u306b\u57f7\u7740\u3059\u308b\u3053\u3068\u3067\u7bc9\u304b\u308c\u308b\u3093\u3058\u3083\u306a\u3044\u3002\u30b7\u30b9\u30c6\u30e0\u3092\u4e00\u5ea6\u8a2d\u5b9a\u3057\u3066\u202615\u5e74\u9593\u52d5\u304b\u3057\u7d9a\u3051\u308b\u3053\u3068\u3067\u7bc9\u304b\u308c\u308b\u3093\u3060!  <\/p>\n\n<p>\u307b\u3068\u3093\u3069\u306e\u4eba\u304c\u5931\u6557\u3059\u308b\u306e\u306f\u3001\u9593\u9055\u3063\u305fETF\u3092\u9078\u3093\u3060\u304b\u3089\u3058\u3083\u306a\u3044\u3002\u30b7\u30b9\u30c6\u30e0\u3092\u69cb\u7bc9\u3057\u3066\u305d\u308c\u3092\u5b88\u308a\u7d9a\u3051\u306a\u304b\u3063\u305f\u304b\u3089\u3060\u3002 <\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u307b\u3068\u3093\u3069\u306e\u4eba\u306f\u652f\u51fa\u306e\u554f\u984c\u3092\u62b1\u3048\u3066\u3044\u308b\u308f\u3051\u3058\u3083\u306a\u3044\u3002\u30b7\u30b9\u30c6\u30e0\u306e\u554f\u984c\u3092\u62b1\u3048\u3066\u3044\u308b\u3093\u3060: 10\u5e74\u5f8c:\u300c\u3042\u308c\u2026\u304a\u91d1\u3069\u3053\u884c\u3063\u305f?\u300d \u3053\u308c\u306f\u7279\u306b\u50d5\u306e\u77e5\u3063\u3066\u3044\u308b\u591a\u304f\u306e\u8ce2\u304f\u3066\u6210\u529f\u3057\u3066\u3044\u308b\u5973\u6027\u306b\u5f53\u3066\u306f\u307e\u308b\u3002\u5f7c\u5973\u305f\u3061\u306e\u80fd\u529b\u304c\u52a3\u3063\u3066\u3044\u308b\u304b\u3089\u3058\u3083\u306a\u304f\u3001\u8ab0\u3082\u660e\u78ba\u3067\u30b7\u30f3\u30d7\u30eb\u306a\u653b\u7565\u6cd5\u3092\u6559\u3048\u3066\u304f\u308c\u306a\u304b\u3063\u305f\u304b\u3089\u3060\u3002 \u3060\u304b\u3089\u3001\u3053\u3053\u306b\u793a\u3059\u3088\u3002 \u30b9\u30c6\u30c3\u30d71:\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u3092\u7406\u89e3\u3059\u308b\u3002 \u73fe\u5b9f\u7684\u306b\u8003\u3048\u3066\u307f\u3088\u3046\u3002 \u30b1\u30fc\u30b9A:\u5e74\u53ce$100K \u652f\u51fa: \u8caf\u84c4:\u6708\u7d04$600(\u5e74\u7d04$7,200) \u5927\u4e08\u592b\u3060\u3088\u3002\u3067\u3082\u91d1\u6301\u3061\u306b\u306f\u306a\u3089\u306a\u3044\u3002 \u30b1\u30fc\u30b9B:\u5e74\u53ce$150K(\u540c\u3058\u30e9\u30a4\u30d5\u30b9\u30bf\u30a4\u30eb) \u8caf\u84c4:\u6708\u7d04$3,500(\u5e74\u7d04$42,000) \u3053\u308c\u306a\u3089\u8a71\u304c\u9055\u3063\u3066\u304f\u308b\u3002\u8cc7\u7523\u306f\u8caf\u84c4\u7387\u3067\u7bc9\u304b\u308c\u308b\u3082\u306e\u3067\u3001\u6295\u8cc7\u306e\u624d\u80fd\u3058\u3083\u306a\u3044\u3002 \u30b9\u30c6\u30c3\u30d72:\u57fa\u76e4\u3092\u7bc9\u304f\u3002 1. \u7dca\u6025\u8cc7\u91d1\u3002 \u78ba\u4fdd\u3059\u308b\u3082\u306e:4\u301c6\u30f6\u6708\u5206\u306e\u751f\u6d3b\u8cbb\u3092\u73fe\u91d1\u3067\u3002 \u4f8b:\u6708$5K\u306e\u652f\u51fa\u2192$20K\u301c$30K\u306e\u6e96\u5099\u91d1 \u3053\u308c\u306f\u30ea\u30bf\u30fc\u30f3\u306e\u305f\u3081\u3058\u3083\u306a\u3044\u3002\u30b9\u30c8\u30ec\u30b9\u4e0b\u3067\u611a\u304b\u306a\u6c7a\u65ad\u3092\u3057\u306a\u3044\u305f\u3081\u3060\u3002 Wealthfront Cash Account\u306e\u3088\u3046\u306a\u9ad8\u5229\u56de\u308a\u53e3\u5ea7\u306b\u5165\u308c\u3066\u304a\u3053\u3046\u3002\u73fe\u57283.30%\u306e\u5229\u56de\u308a\u3060\u3002 Wealthfront Cash\u304c\u597d\u304d\u306a\u7406\u7531: \u7dca\u6025\u8cc7\u91d1\u3068\u77ed\u671f\u306e\u73fe\u91d1\u306f\u3053\u3053\u306b\u7f6e\u3044\u3066\u304a\u3053\u3046\u3002 2. \u60aa\u3044\u501f\u91d1\u3092\u6d88\u3059\u3002 \u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9=\u78ba\u5b9f\u306a\u30de\u30a4\u30ca\u30b9\u30ea\u30bf\u30fc\u30f3\u3002 \u8fd4\u6e08\u3057\u3088\u3046! \u30b9\u30c6\u30c3\u30d73:\u3069\u3053\u306b\u6295\u8cc7\u3059\u308b\u304b(\u552f\u4e00\u91cd\u8981\u306a\u9806\u5e8f)\u3002 &hellip; <a href=\"\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;&#8221;<\/span><\/a><\/p>\n","protected":false},"author":9,"featured_media":70138,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[408],"tags":[],"class_list":["post-70213","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-408"],"acf":[],"contentUpdated":"\u8cc7\u7523\u3092\u7bc9\u304f\u65b9\u6cd5101(\u91d1\u878d\u30d6\u30ed\u306b\u306a\u3089\u305a\u306b). Categories - \u500b\u4eba\u7684\u306a\u3064\u3076\u3084\u304d. Date-Posted - 2026-05-12T14:10:37 . \n \u307b\u3068\u3093\u3069\u306e\u4eba\u306f\u652f\u51fa\u306e\u554f\u984c\u3092\u62b1\u3048\u3066\u3044\u308b\u308f\u3051\u3058\u3083\u306a\u3044\u3002\u30b7\u30b9\u30c6\u30e0\u306e\u554f\u984c\u3092\u62b1\u3048\u3066\u3044\u308b\u3093\u3060: \n \u304a\u91d1\u3092\u7a3c\u3050\u3002\n \u304a\u91d1\u3092\u4f7f\u3046\u3002\n \u306a\u3093\u3068\u306a\u304f\u3046\u307e\u304f\u3044\u304f\u3053\u3068\u3092\u671f\u5f85\u3059\u308b\u3002\n 10\u5e74\u5f8c:\u300c\u3042\u308c\u2026\u304a\u91d1\u3069\u3053\u884c\u3063\u305f?\u300d\n \u3053\u308c\u306f\u7279\u306b\u50d5\u306e\u77e5\u3063\u3066\u3044\u308b\u591a\u304f\u306e\u8ce2\u304f\u3066\u6210\u529f\u3057\u3066\u3044\u308b\u5973\u6027\u306b\u5f53\u3066\u306f\u307e\u308b\u3002\u5f7c\u5973\u305f\u3061\u306e\u80fd\u529b\u304c\u52a3\u3063\u3066\u3044\u308b\u304b\u3089\u3058\u3083\u306a\u304f\u3001\u8ab0\u3082\u660e\u78ba\u3067\u30b7\u30f3\u30d7\u30eb\u306a\u653b\u7565\u6cd5\u3092\u6559\u3048\u3066\u304f\u308c\u306a\u304b\u3063\u305f\u304b\u3089\u3060\u3002\n \u3060\u304b\u3089\u3001\u3053\u3053\u306b\u793a\u3059\u3088\u3002\n \u30b9\u30c6\u30c3\u30d71:\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u3092\u7406\u89e3\u3059\u308b\u3002\n \u73fe\u5b9f\u7684\u306b\u8003\u3048\u3066\u307f\u3088\u3046\u3002\n \u30b1\u30fc\u30b9A:\u5e74\u53ce$100K\n \u7dcf\u53ce\u5165:$100,000\n \u7a0e\u91d1(\u7d0430%):$30,000\n \u624b\u53d6\u308a:$70,000(\u6708\u7d04$5,800)\n \u652f\u51fa:\n \u5bb6\u8cc3:$2,200\n \u751f\u6d3b\u8cbb:$3,000\n \u5408\u8a08:\u7d04$5,200\n \u8caf\u84c4:\u6708\u7d04$600(\u5e74\u7d04$7,200)\n \u5927\u4e08\u592b\u3060\u3088\u3002\u3067\u3082\u91d1\u6301\u3061\u306b\u306f\u306a\u3089\u306a\u3044\u3002 \n \u30b1\u30fc\u30b9B:\u5e74\u53ce$150K(\u540c\u3058\u30e9\u30a4\u30d5\u30b9\u30bf\u30a4\u30eb)\n \u624b\u53d6\u308a:\u7d04$105,000(\u6708\u7d04$8,750)\n \u652f\u51fa\u306f\u5909\u308f\u3089\u305a:\u7d04$5,200\n \u8caf\u84c4:\u6708\u7d04$3,500(\u5e74\u7d04$42,000)\n \u3053\u308c\u306a\u3089\u8a71\u304c\u9055\u3063\u3066\u304f\u308b\u3002\u8cc7\u7523\u306f\u8caf\u84c4\u7387\u3067\u7bc9\u304b\u308c\u308b\u3082\u306e\u3067\u3001\u6295\u8cc7\u306e\u624d\u80fd\u3058\u3083\u306a\u3044\u3002 \n \u5e74$7K\u2192\u3086\u3063\u304f\u308a\u3068\u3057\u305f\u9032\u6b69\u3002\n \u5e74$20K\u2192\u672c\u5f53\u306e\u8cc7\u7523\u5f62\u6210\u3002\n \u5e74$30K\u2013$40K\u2192\u7d4c\u6e08\u7684\u81ea\u7acb\u3078\u306e\u8ecc\u9053\u3002\n \u30b9\u30c6\u30c3\u30d72:\u57fa\u76e4\u3092\u7bc9\u304f\u3002\n 1. \u7dca\u6025\u8cc7\u91d1\u3002\n \u78ba\u4fdd\u3059\u308b\u3082\u306e:4\u301c6\u30f6\u6708\u5206\u306e\u751f\u6d3b\u8cbb\u3092\u73fe\u91d1\u3067\u3002\n \u4f8b:\u6708$5K\u306e\u652f\u51fa\u2192$20K\u301c$30K\u306e\u6e96\u5099\u91d1\n \u3053\u308c\u306f\u30ea\u30bf\u30fc\u30f3\u306e\u305f\u3081\u3058\u3083\u306a\u3044\u3002\u30b9\u30c8\u30ec\u30b9\u4e0b\u3067\u611a\u304b\u306a\u6c7a\u65ad\u3092\u3057\u306a\u3044\u305f\u3081\u3060\u3002 \n Wealthfront Cash Account\u306e\u3088\u3046\u306a\u9ad8\u5229\u56de\u308a\u53e3\u5ea7\u306b\u5165\u308c\u3066\u304a\u3053\u3046\u3002\u73fe\u57283.30%\u306e\u5229\u56de\u308a\u3060\u3002\n Wealthfront Cash\u304c\u597d\u304d\u306a\u7406\u7531:\n \u3068\u3066\u3082\u4f7f\u3044\u3084\u3059\u3044UX\u3002\n \u7c21\u5358\u306a\u30aa\u30f3\u30e9\u30a4\u30f3\u8a2d\u5b9a\u3002\n \u826f\u3044\u5229\u56de\u308a\u3002\n \u6700\u4f4e\u9810\u91d1\u984d\u306a\u3057\/\u6708\u984d\u624b\u6570\u6599\u306a\u3057\u3002\n \u5f37\u529b\u306a\u6d41\u52d5\u6027\u6a5f\u80fd\u3002\n \u63d0\u643a\u9280\u884c\u3092\u901a\u3058\u305f\u5f37\u529b\u306aFDIC\u4fdd\u8b77\u4f53\u5236\u3067\u3001\u500b\u4eba\u53e3\u5ea7\u306f\u6700\u5927$800\u4e07\u307e\u3067\u5bfe\u8c61\n \u7dca\u6025\u8cc7\u91d1\u3068\u77ed\u671f\u306e\u73fe\u91d1\u306f\u3053\u3053\u306b\u7f6e\u3044\u3066\u304a\u3053\u3046\u3002\n 2. \u60aa\u3044\u501f\u91d1\u3092\u6d88\u3059\u3002\n \u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9=\u78ba\u5b9f\u306a\u30de\u30a4\u30ca\u30b9\u30ea\u30bf\u30fc\u30f3\u3002\n \u8fd4\u6e08\u3057\u3088\u3046!\n \u30b9\u30c6\u30c3\u30d73:\u3069\u3053\u306b\u6295\u8cc7\u3059\u308b\u304b(\u552f\u4e00\u91cd\u8981\u306a\u9806\u5e8f)\u3002\n \u3053\u3053\u3067\u307b\u3068\u3093\u3069\u306e\u4eba\u304c\u9593\u9055\u3048\u308b\u3002\n 1. 401(k)\u2192\u96c7\u7528\u4e3b\u306e\u30de\u30c3\u30c1\u30f3\u30b0\u307e\u3067\u3002\n \u7121\u6599\u306e\u304a\u91d1\u3092\u53d7\u3051\u53d6\u308d\u3046\u3002\u96c7\u7528\u4e3b\u304c\u30de\u30c3\u30c1\u30f3\u30b0\u3057\u3066\u304f\u308c\u308b\u306a\u3089\u3001\u53d7\u3051\u53d6\u308b\u3002\u5e38\u306b\u3002\u4f8b\u5916\u306a\u3057\u3002   \n \u4f8b:\n \u3042\u306a\u305f\u304c$5K\u5165\u308c\u308b\n \u96c7\u7528\u4e3b\u304c$5K\u8ffd\u52a0\u2192\u5373\u5ea7\u306b100%\u306e\u30ea\u30bf\u30fc\u30f3\n 2. Roth IRA\u2192\u4e0a\u9650\u307e\u3067\u3002\n \u30de\u30c3\u30c1\u30f3\u30b0\u304c\u306a\u3044\u5834\u5408\u3001\u3053\u308c\u304c\u6700\u512a\u5148\u306b\u306a\u308b\u3002\n \u7a0e\u5f15\u304d\u5f8c\u306e\u304a\u91d1\u3092\u62e0\u51fa\u3059\u308b\u3002\n \u6c38\u4e45\u306b\u975e\u8ab2\u7a0e\u3067\u6210\u9577\u3059\u308b\u3002\n \u62e0\u51fa\u91d1\u306f\u3044\u3064\u3067\u3082\u5f15\u304d\u51fa\u305b\u308b\u3002\n \u5b8c\u5168\u306a\u6295\u8cc7\u30b3\u30f3\u30c8\u30ed\u30fc\u30eb\u3002\n \u3053\u308c\u306f\u904e\u5c0f\u8a55\u4fa1\u3055\u308c\u3066\u3044\u308b\u3002\u9000\u8077\u53e3\u5ea7\u3067\u3042\u308a\u306a\u304c\u3089\u67d4\u8edf\u6027\u306e\u3042\u308b\u30c4\u30fc\u30eb\u3067\u3082\u3042\u308b\u304b\u3089\u3060\u300220\u4ee3\u308430\u4ee3\u306e\u307b\u3068\u3093\u3069\u306e\u4eba\u3001\u7279\u306b\u307e\u3060\u53ce\u5165\u306e\u30d4\u30fc\u30af\u306b\u9054\u3057\u3066\u3044\u306a\u3044\u4eba\u306b\u3068\u3063\u3066\u3001\u3053\u308c\u306f\u901a\u5e38\u30de\u30c3\u30c1\u30f3\u30b0\u306e\u306a\u3044401(k)\u3088\u308a\u3082\u512a\u308c\u3066\u3044\u308b\u3002 \n 2026\u5e74\u306e\u4e0a\u9650:\u5e74$7,500\u3002\n 3. \u8ab2\u7a0e\u5bfe\u8c61\u306e\u8a3c\u5238\u53e3\u5ea7\u3002\n \u3053\u3053\u3067\u307b\u3068\u3093\u3069\u306e\u30a2\u30c9\u30d0\u30a4\u30b9\u304c\u6020\u60f0\u306b\u306a\u308b\u3002\n \u3088\u304f\u805e\u304f\u306e\u306f:\u300c\u4ed6\u306e\u4f55\u3088\u308a\u3082\u5148\u306b401(k)\u3092\u4e0a\u9650\u307e\u3067\u5165\u308c\u308d\u300d\n 401(k)\u306f\u8907\u5229\u904b\u7528\u4e2d\u306e\u7a0e\u91d1\u306e\u5f71\u97ff\u3092\u907f\u3051\u3089\u308c\u308b\u305f\u3081\u3001\u7a0e\u52b9\u7387\u304c\u9ad8\u3044\u3053\u3068\u304c\u591a\u3044\u3002\u305f\u3060\u3057\u3001\u5f15\u304d\u51fa\u3057\u6642\u306b\u306f\u901a\u5e38\u6240\u5f97\u3068\u3057\u3066\u8ab2\u7a0e\u3055\u308c\u308b\u4e00\u65b9\u3001\u8ab2\u7a0e\u5bfe\u8c61\u306e\u6295\u8cc7\u306f\u4f4e\u3044\u30ad\u30e3\u30d4\u30bf\u30eb\u30b2\u30a4\u30f3\u7a0e\u7387\u3068\u5b8c\u5168\u306a\u67d4\u8edf\u6027\u306e\u6069\u6075\u3092\u53d7\u3051\u308b\u3002 \n \u5c06\u6765\u306e\u305f\u3081\u306e\u8caf\u84c4\u306b\u52a0\u3048\u3066\u3001\u8ab2\u7a0e\u5bfe\u8c61\u306e\u8a3c\u5238\u53e3\u5ea7\u306f\u6b21\u306e\u3088\u3046\u306a\u3053\u3068\u306b\u4f7f\u3048\u308b:\n \u4ed5\u4e8b\u3092\u8f9e\u3081\u308b\u3002\n \u65c5\u884c\u3059\u308b\u3002\n \u8d77\u696d\u3059\u308b\u3002\n \u60aa\u3044\u95a2\u4fc2\u304b\u3089\u629c\u3051\u51fa\u3059\u3002\n \u3060\u304b\u3089\u5e73\u5747\u7684\u306b\u306f\u3001401(k)\u306f\u96c7\u7528\u4e3b\u306e\u30de\u30c3\u30c1\u30f3\u30b0\u307e\u3067\u306b\u3057\u3066\u3001\u6b21\u306bRoth IRA\u3092\u4e0a\u9650\u307e\u3067\u3001\u305d\u308c\u304b\u3089\u8ab2\u7a0e\u5bfe\u8c61\u53e3\u5ea7\u306b\u9032\u3080\u306e\u304c\u3044\u3044\u3068\u601d\u3046\u3002\u9000\u8077\u5f8c\u306f\u91d1\u6301\u3061\u3060\u3051\u3069\u4eba\u751f\u306f\u8ca7\u3057\u3044\u3001\u306a\u3093\u3066\u3053\u3068\u306b\u306f\u306a\u308a\u305f\u304f\u306a\u3044\u304b\u3089\u306d\u3002 \n \u3068\u306f\u3044\u3048\u3001\u8caf\u84c4\u984d\u304c\u975e\u5e38\u306b\u9ad8\u304f\u3001\u9ad8\u3044\u7a0e\u7387\u533a\u5206\u306b\u3044\u3066\u3001\u30ad\u30e3\u30ea\u30a2\u3068\u5834\u6240\u304c\u5b89\u5b9a\u3057\u3066\u3044\u3066\u3001\u8fd1\u3044\u5c06\u6765\u306e\u6d41\u52d5\u6027\u304c\u5fc5\u8981\u306a\u3044\u5834\u5408\u306f\u3001\u30de\u30c3\u30c1\u30f3\u30b0\u3092\u8d85\u3048\u3066401(k)\u306b\u5e74\u9593\u5408\u8a08$24,500\u307e\u3067\u62e0\u51fa\u3059\u308b\u3053\u3068\u3082\u3067\u304d\u308b\u3002\n \u30b9\u30c6\u30c3\u30d74:\u5b9f\u969b\u306b\u4f55\u3092\u8cb7\u3046\u304b\u3002\n \u8003\u3048\u3059\u304e\u306a\u3044\u3053\u3068\u3002\n \u30aa\u30d7\u30b7\u30e7\u30f31(90%\u306e\u4eba\u306b\u6700\u9069)\n 100% VT(\u30b0\u30ed\u30fc\u30d0\u30eb\u682a\u5f0fETF)\n \u5b8c\u4e86\u3002\n \u307b\u3068\u3093\u3069\u306e401(k)\u30d7\u30e9\u30f3\u306fVT\u306e\u3088\u3046\u306a\u30b0\u30ed\u30fc\u30d0\u30ebETF\u3092\u63d0\u4f9b\u3057\u3066\u3044\u306a\u3044\u3053\u3068\u306b\u6ce8\u610f\u3002\u305d\u306e\u5834\u5408\u306f\u3001401(k)\u5185\u3067\u4f4e\u30b3\u30b9\u30c8\u306e\u7c73\u56fd\u682a\u5f0f\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30d5\u30a1\u30f3\u30c9(S&amp;P 500\u30d5\u30a1\u30f3\u30c9\u306a\u3069)\u3092\u4f7f\u3048\u3070\u3044\u3044\u3002\u305d\u3057\u3066Roth IRA\u3068\u8ab2\u7a0e\u5bfe\u8c61\u53e3\u5ea7\u3067VT\u3092\u4f7f\u3046\u3002VT\u306f\u7d0460\u301c65%\u304c\u7c73\u56fd\u306a\u306e\u3067\u3001\u3053\u308c\u3067\u81ea\u7136\u306b\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u5168\u4f53\u304c\u7d0475\u301c80%\u7c73\u56fd\/20\u301c25%\u56fd\u969b\u306b\u306a\u308b\u3002\u3053\u308c\u304c\u307e\u3055\u306b\u76ee\u6307\u3059\u3079\u304d\u30d0\u30e9\u30f3\u30b9\u3060\u3002   \n \u30aa\u30d7\u30b7\u30e7\u30f32(\u308f\u305a\u304b\u306b\u6700\u9069\u5316)\n 80% VTI(\u7c73\u56fd)\n 20% VXUS(\u56fd\u969b)\n 401(k)\u304c\u30b5\u30dd\u30fc\u30c8\u3057\u3066\u3044\u308c\u3070\u30b7\u30f3\u30d7\u30eb\u3067\u52b9\u679c\u7684\u3002Roth IRA\u3068\u8ab2\u7a0e\u5bfe\u8c61\u306e\u8a3c\u5238\u53e3\u5ea7\u3067\u3082\u540c\u3058\u914d\u5206\u306b\u3057\u3088\u3046\u3002 \n \u3084\u3063\u3066\u306f\u3044\u3051\u306a\u3044\u3053\u3068:\n \u500b\u5225\u682a\u3092\u9078\u3076\u3002\n \u30c8\u30ec\u30f3\u30c9\u3092\u8ffd\u3044\u304b\u3051\u308b\u3002\n \u6697\u53f7\u901a\u8ca8\u3092\u30b3\u30a2\u6226\u7565\u3068\u3057\u3066\u8cb7\u3046\u3002\n \u8907\u96d1\u306a\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u3092\u7d44\u3080\u3002\n \u8ce2\u304f\u3084\u308d\u3046\u3068\u3059\u308b\u3002\n \u305d\u3046\u3084\u3063\u3066\u4eba\u3005\u306f\u6d17\u7df4\u3055\u308c\u305f\u6c17\u5206\u306b\u306a\u308a\u306a\u304c\u3089\u30d1\u30d5\u30a9\u30fc\u30de\u30f3\u30b9\u3092\u4e0b\u56de\u308b\u3093\u3060\u3002\n \u30b9\u30c6\u30c3\u30d75:\u3059\u3079\u3066\u3092\u81ea\u52d5\u5316\u3059\u308b\u3002\n \u8a2d\u5b9a\u3059\u308b\u3082\u306e:\n \u6bce\u6708\u306e\u632f\u66ff\u3002\n \u81ea\u52d5\u6295\u8cc7\u3002\n \u305d\u3057\u3066\u89e6\u3089\u306a\u3044\u3002\u3053\u308c\u306f\u30b7\u30b9\u30c6\u30e0\u3067\u3042\u3063\u3066\u3001\u8da3\u5473\u3058\u3083\u306a\u3044\u3002 \n \u3061\u306a\u307f\u306bRoth IRA\u3068\u8ab2\u7a0e\u5bfe\u8c61\u306e\u8a3c\u5238\u53e3\u5ea7\u306f\u4e21\u65b9\u3068\u3082Fidelity\u306b\u6301\u3064\u3068\u3044\u3044\u3088\u3002\n \u6700\u3082\u4f7f\u3044\u3084\u3059\u3044UX\u306e\u30b9\u30e0\u30fc\u30ba\u306a\u30a2\u30d7\u30ea\u3002\n \u500b\u4eba\u53e3\u5ea7\u3067\u306e\u30aa\u30f3\u30e9\u30a4\u30f3\u7c73\u56fd\u682a\u5f0f\u304a\u3088\u3073ETF\u53d6\u5f15\u306e\u624b\u6570\u6599$0\u3002\n \u7c73\u56fd\u682a\u5f0f\u3068ETF\u306e\u7aef\u682a\u53d6\u5f15\u306b\u5bfe\u5fdc\u3002\n \u682a\u5f0f\u3068ETF\u306e\u5b9a\u671f\u6295\u8cc7\u6a5f\u80fd\u304c\u3042\u308a\u3001$1\u304b\u3089$100,000\u307e\u3067\u306e\u5b9a\u671f\u632f\u66ff\u306b\u5bfe\u5fdc\u3002\n \u30b9\u30c6\u30c3\u30d76:\u5b9f\u969b\u306b$100\u4e07\u306b\u5230\u9054\u3059\u308b\u65b9\u6cd5\u3002\n \u5e74$20K\u309215\u301c17\u5e74\u9593\u3001\u7d047\u301c8%\u306e\u30ea\u30bf\u30fc\u30f3\u3067\u6295\u8cc7\u3059\u308c\u3070\u3001\u7d04$60\u4e07\u301c$100\u4e07+\u306b\u306a\u308b\u3002\n \u305d\u308c\u3092\u5e74$30K\u306b\u5897\u3084\u305b\u3070\u3001$100\u4e07\u306f\u307b\u307c\u81ea\u52d5\u7684\u306b\u9054\u6210\u3067\u304d\u308b\u3002\n \u9b54\u6cd5\u306f\u306a\u3044\u3002\u305f\u3060\u4e00\u8cab\u6027\u304c\u3042\u308b\u3060\u3051\u3002 \n \u30dc\u30fc\u30ca\u30b9:\u8d08\u4e0e\u3068\u5bb6\u65cf\u304b\u3089\u306e\u304a\u91d1\n \u3053\u308c\u306f\u3072\u3069\u304f\u8aa4\u89e3\u3055\u308c\u3066\u3044\u308b\u3002\n \u7c73\u56fd\u3067\u306f:\n \u7c73\u56fd\u5916\u306e\u4eba\u304b\u3089\u304a\u91d1\u3092\u53d7\u3051\u53d6\u3063\u305f\u5834\u5408:\n \u975e\u8ab2\u7a0e!\n $100K\u4ee5\u4e0a\u306e\u5834\u5408&gt;\u2192Form 3520\u3092\u63d0\u51fa\u3002\n \u305d\u308c\u3060\u3051!\n \u30d5\u30e9\u30f3\u30b9\u3067\u306f(\u50d5\u306e\u8aad\u8005\u306e\u591a\u304f\u306b\u3068\u3063\u3066\u91cd\u8981)\n \u89aa\u2192\u5b50\u3078\u306e\u8d08\u4e0e:\n \u7d04\u20ac100K\u304c\u975e\u8ab2\u7a0e\u3002\n \u89aa1\u4eba\u3042\u305f\u308a\u3002\n 15\u5e74\u3054\u3068\u3002\n \u3064\u307e\u308a\u3001\u30d5\u30e9\u30f3\u30b9\u306e\u89aa\u306f15\u5e74\u3054\u3068\u306b\u5404\u5b50\u4f9b\u306b\u20ac100K\u3092\u975e\u8ab2\u7a0e\u3067\u8d08\u4e0e\u3067\u304d\u308b\n \u305f\u3060\u3057:\n \u9069\u5207\u306b\u7533\u544a\u3059\u308b\u3002\n \u672c\u5f53\u306e\u8d08\u4e0e\u3067\u3042\u308b\u3053\u3068\u3092\u78ba\u8a8d\u3059\u308b\u3002\n \u30dc\u30fc\u30ca\u30b9:\u4e0d\u52d5\u7523\u3092\u8cb7\u308f\u306a\u3044\u7406\u7531\u306f?\n \u307f\u3093\u306a\u304c\u8a00\u3046:\u300c\u4e0d\u52d5\u7523\u306f\u6700\u9ad8\u306e\u6295\u8cc7\u3060\u300d\n \u305d\u3046\u304b\u3082\u3057\u308c\u306a\u3044\u3051\u3069\u3001\u3088\u304f\u8aa4\u89e3\u3055\u308c\u3066\u3044\u308b\u3002\n \u30e1\u30ea\u30c3\u30c8:\n \u30ec\u30d0\u30ec\u30c3\u30b8\u3002\n \u5024\u4e0a\u304c\u308a\u306e\u53ef\u80fd\u6027\u3002\n \u8cc3\u8cb8\u53ce\u5165\u3002\n \u4eba\u3005\u304c\u7121\u8996\u3059\u308b\u3053\u3068:\n 1. \u30d1\u30c3\u30b7\u30d6\u3058\u3083\u306a\u3044\u3002\n \u5bfe\u51e6\u3059\u308b\u3082\u306e:\n \u30c6\u30ca\u30f3\u30c8\u3002\n \u4fee\u7406\u3002\n \u7ba1\u7406\u3002\n \u7a7a\u5ba4\u3002\n Airbnb?\u305d\u308c\u306f\u4ed5\u4e8b\u3060\u3088! \n 2. \u8cc7\u672c\u306e\u6d41\u51fa\u5148\u3002\n \u652f\u6255\u3046\u3082\u306e:\n \u30e1\u30f3\u30c6\u30ca\u30f3\u30b9\u3002\n \u4fee\u7406\u3002\n \u56fa\u5b9a\u8cc7\u7523\u7a0e\u3002\n \u4fdd\u967a\u3002\n \u4f4f\u5b85\u6240\u6709\u8005\u3068\u3057\u3066\u8a00\u3048\u308b\u306e\u306f\u3001\u7269\u306f\u5e38\u306b\u58ca\u308c\u308b\u3068\u3044\u3046\u3053\u3068\u3060\u3002\n 3. \u6d41\u52d5\u6027\u304c\u4f4e\u3044\u3002\n \u30a2\u30d1\u30fc\u30c8\u306e5%\u3092\u58f2\u308b\u3053\u3068\u306f\u3067\u304d\u306a\u3044\u3002ETF\u306a\u3089\u3067\u304d\u308b\u3002\u3055\u3089\u306b\u3001\u58f2\u5374\u306b\u306f\u9577\u3044\u6642\u9593\u304c\u304b\u304b\u308b\u3053\u3068\u304c\u3042\u308b\u3002\u50d5\u306e\u30a2\u30d1\u30fc\u30c8\u306f1\u5e74\u4ee5\u4e0a\u5e02\u5834\u306b\u51fa\u3066\u3044\u308b\u3002ETF\u306f\u672c\u8cea\u7684\u306b\u5373\u5ea7\u306b\u58f2\u5374\u3067\u304d\u308b\u3002    \n 4. \u96c6\u4e2d\u3057\u3066\u3044\u308b\u3002\n 1\u3064\u306e\u7269\u4ef6\n 1\u3064\u306e\u5834\u6240\n 1\u3064\u306e\u5e02\u5834\n \u305d\u308c\u304c\u30ea\u30b9\u30af\u3060\u3002\n 5. \u4eca\u306f\u8a08\u7b97\u304c\u5408\u308f\u306a\u3044\u3053\u3068\u304c\u591a\u3044\u3002\n 2006\u5e74\u306b\u30d6\u30ed\u30b0\u8a18\u4e8b\u3092\u66f8\u3044\u3066\u3001\u4e0d\u52d5\u7523\u30d0\u30d6\u30eb\u3060\u3068\u611f\u3058\u3066\u3044\u305f\u6642\u671f\u306b\u306a\u305c\u8cc3\u8cb8\u306e\u65b9\u304c\u7406\u306b\u304b\u306a\u3063\u3066\u3044\u308b\u304b\u3092\u8aac\u660e\u3057\u305f:Rent\u2026 unless you want to buy\u3002\u305d\u306e\u4e2d\u3067\u4e0d\u52d5\u7523\u6240\u6709\u306e\u7d4c\u6e08\u6027\u3092\u8aac\u660e\u3057\u3066\u3044\u308b\u3002\u540c\u3058\u8b70\u8ad6\u304c\u4eca\u65e5\u3082\u5f53\u3066\u306f\u307e\u308b\u3002  \n \u4eca\u65e5\u306e\u9ad8\u4fa1\u683c\u3068\u9ad8\u3044\u4f4f\u5b85\u30ed\u30fc\u30f3\u91d1\u5229\u3067\u306f\u3001\u7279\u306b\u30cb\u30e5\u30fc\u30e8\u30fc\u30af\u306e\u3088\u3046\u306a\u5834\u6240\u3067\u306f\u3001\u8cc3\u8cb8\u5229\u56de\u308a\u304c\u975e\u5e38\u306b\u4f4e\u3044\u3053\u3068\u304c\u591a\u3044\u3002\n \u50d5\u306e\u30a2\u30d1\u30fc\u30c8\u3092\u8cb8\u3057\u51fa\u3059\u3068\u3057\u305f\u3089\u3001\u8cc3\u8cb8\u53ce\u5165\u306f\u4f4f\u5b85\u30ed\u30fc\u30f3+\u56fa\u5b9a\u8cc7\u7523\u7a0e+\u30e1\u30f3\u30c6\u30ca\u30f3\u30b9+\u4fee\u7406\u3092\u30ab\u30d0\u30fc\u3067\u304d\u306a\u3044\u3002\u5b9f\u8cea\u5229\u56de\u308a\u306f\u3001\u6642\u9593\u3092\u542b\u3081\u306a\u304f\u3066\u3082\u826f\u304f\u30662\u301c4%\u3067\u3001\u6700\u8fd1\u306f\u901a\u5e38\u30de\u30a4\u30ca\u30b9\u3060\u3002 \n \u8a08\u7b97\u3092\u6210\u308a\u7acb\u305f\u305b\u308b\u552f\u4e00\u306e\u3082\u306e\u306f\u5024\u4e0a\u304c\u308a\u3060\u3002\u3057\u304b\u3057\u3001\u4fa1\u683c\u304c\u4e0a\u304c\u308b\u3053\u3068\u3092\u671f\u5f85\u3057\u3066\u3001\u5358\u4e00\u306e\u6d41\u52d5\u6027\u306e\u4f4e\u3044\u8cc7\u7523\u306b\u30ec\u30d0\u30ec\u30c3\u30b8\u30ea\u30b9\u30af\u3092\u53d6\u3063\u3066\u3044\u308b\u3002\u4fa1\u683c\u306f\u5e38\u306b\u4e0a\u304c\u308b\u308f\u3051\u3058\u3083\u306a\u3044\u3002\u50d5\u306fNY\u306e\u30a2\u30d1\u30fc\u30c8\u3092\u30b3\u30b9\u30c8\u3088\u308a\u3082\u306f\u308b\u304b\u306b\u5b89\u304f\u58f2\u5374\u3057\u3066\u3044\u308b\u3002\u3057\u304b\u308210\u5e74\u524d\u306b\u8cb7\u3063\u305f\u306e\u306b!   \n \u4eca\u65e5\u4e0d\u52d5\u7523\u3092\u8cb7\u3063\u3066\u3044\u308b\u307b\u3068\u3093\u3069\u306e\u4eba\u306f\u3001\u6295\u8cc7\u3092\u8cb7\u3063\u3066\u3044\u308b\u308f\u3051\u3058\u3083\u306a\u3044\u3002\u5927\u304d\u306a\u904b\u7528\u4e0a\u306e\u8907\u96d1\u3055\u3092\u4f34\u3046\u5024\u4e0a\u304c\u308a\u3078\u306e\u30ec\u30d0\u30ec\u30c3\u30b8\u8ced\u3051\u3092\u8cb7\u3063\u3066\u3044\u308b\u3093\u3060\u3002 \n ETF\u3068\u6bd4\u8f03\u3057\u3066\u307f\u3088\u3046:\n \u9577\u671f\u30ea\u30bf\u30fc\u30f3\u7d047\u301c8%\u3002\n \u5b8c\u5168\u306b\u6d41\u52d5\u7684\u3002\n \u30b0\u30ed\u30fc\u30d0\u30eb\u306b\u5206\u6563\u3002\n \u904b\u7528\u4e0a\u306e\u30aa\u30fc\u30d0\u30fc\u30d8\u30c3\u30c9\u30bc\u30ed\u3002\n \u672c\u5f53\u306b\u8907\u96d1\u3055+\u30ec\u30d0\u30ec\u30c3\u30b8+\u30ea\u30b9\u30af\u30672\u301c4%(\u826f\u304f\u3066)\u3092\u3001\u30b7\u30f3\u30d7\u30eb\u3055+\u6d41\u52d5\u6027\u30677\u301c8%\u3088\u308a\u9078\u3073\u305f\u3044?\n \u4e0d\u52d5\u7523\u304c\u6a5f\u80fd\u3059\u308b\u306e\u306f:\n \u305d\u308c\u304c\u597d\u304d\u306a\u5834\u5408\u3002\n \u898f\u6a21\u3067\u904b\u7528\u3059\u308b\u5834\u5408\u3002\n \u5f97\u610f\u306a\u5834\u5408\u3002\n \u307b\u3068\u3093\u3069\u306e\u4eba\u306b\u3068\u3063\u3066\u3001\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u6295\u8cc7\u306e\u65b9\u304c\u7c21\u5358\u3067\u3001\u5b89\u5168\u3067\u3001\u30b9\u30b1\u30fc\u30e9\u30d6\u30eb\u3060\u3002\n \u6700\u7d42\u7684\u306a\u771f\u5b9f\n \u5b8c\u74a7\u306a\u30bf\u30a4\u30df\u30f3\u30b0\u3001\u8907\u96d1\u306a\u6226\u7565\u3001\u91d1\u878d\u306e\u5929\u624d\u306f\u5fc5\u8981\u306a\u3044\u3002\n \u5fc5\u8981\u306a\u306e\u306f\u3001\u4e00\u8cab\u3057\u3066\u8caf\u84c4\u3057\u3001\u30b7\u30f3\u30d7\u30eb\u306b\u6295\u8cc7\u3057\u3001\u611a\u304b\u306a\u3053\u3068\u3092\u3057\u306a\u3044\u3053\u3068\u3060\u3002\n \u4ed6\u306b\u4f55\u3082\u3057\u306a\u304f\u3066\u3082\u3001\u3053\u308c\u3060\u3051\u306f\u3084\u308d\u3046:\n 4\u301c6\u30f6\u6708\u5206\u306e\u7dca\u6025\u8cc7\u91d1\u3092\u4f5c\u308b(Wealthfront Cash)\u3002\n 401(k)\u306e\u30de\u30c3\u30c1\u30f3\u30b0\u3092\u53d7\u3051\u53d6\u308b\u3002\n Roth IRA\u3092VT\u3067\u4e0a\u9650\u307e\u3067\u5165\u308c\u308b(Fidelity)\u3002\n \u6b8b\u308a\u3092\u8ab2\u7a0e\u5bfe\u8c61\u53e3\u5ea7\u3067VT\u306b\u6295\u8cc7\u3059\u308b(Fidelity)\u3002\n \u3059\u3079\u3066\u3092\u81ea\u52d5\u5316\u3059\u308b\u3002\n \u305d\u3057\u3066\u4eba\u751f\u3092\u751f\u304d\u3088\u3046\u3002\u8cc7\u7523\u306f\u304a\u91d1\u306b\u57f7\u7740\u3059\u308b\u3053\u3068\u3067\u7bc9\u304b\u308c\u308b\u3093\u3058\u3083\u306a\u3044\u3002\u30b7\u30b9\u30c6\u30e0\u3092\u4e00\u5ea6\u8a2d\u5b9a\u3057\u3066\u202615\u5e74\u9593\u52d5\u304b\u3057\u7d9a\u3051\u308b\u3053\u3068\u3067\u7bc9\u304b\u308c\u308b\u3093\u3060!  \n \u307b\u3068\u3093\u3069\u306e\u4eba\u304c\u5931\u6557\u3059\u308b\u306e\u306f\u3001\u9593\u9055\u3063\u305fETF\u3092\u9078\u3093\u3060\u304b\u3089\u3058\u3083\u306a\u3044\u3002\u30b7\u30b9\u30c6\u30e0\u3092\u69cb\u7bc9\u3057\u3066\u305d\u308c\u3092\u5b88\u308a\u7d9a\u3051\u306a\u304b\u3063\u305f\u304b\u3089\u3060\u3002 \n ","Category":["\u500b\u4eba\u7684\u306a\u3064\u3076\u3084\u304d"],"_links":{"self":[{"href":"https:\/\/grinda.org\/ja\/wp-json\/wp\/v2\/posts\/70213","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/grinda.org\/ja\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/grinda.org\/ja\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/grinda.org\/ja\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/grinda.org\/ja\/wp-json\/wp\/v2\/comments?post=70213"}],"version-history":[{"count":1,"href":"https:\/\/grinda.org\/ja\/wp-json\/wp\/v2\/posts\/70213\/revisions"}],"predecessor-version":[{"id":70214,"href":"https:\/\/grinda.org\/ja\/wp-json\/wp\/v2\/posts\/70213\/revisions\/70214"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/grinda.org\/ja\/wp-json\/wp\/v2\/media\/70138"}],"wp:attachment":[{"href":"https:\/\/grinda.org\/ja\/wp-json\/wp\/v2\/media?parent=70213"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/grinda.org\/ja\/wp-json\/wp\/v2\/categories?post=70213"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/grinda.org\/ja\/wp-json\/wp\/v2\/tags?post=70213"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}