\uc7ac\ud14c\ud06c\ub294 \ub2e8\uc21c\ud788 \ub3c8\uc744 \ubc8c\uace0 \ud22c\uc790\ud558\ub294 \uac83\uc744 \ub118\uc5b4, \uccb4\uacc4\uc801\uc778 \uae08\uc735 \uad00\ub9ac\uc640 \uacc4\ud68d\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \ud2b9\ud788 \uae08\uc735\uc77c\uc815\uc744 \uad00\ub9ac\ud558\ub294 \uac83\uc740 \uc7ac\ud14c\ud06c\uc758 \uc131\uacf5\uc744 \uc88c\uc6b0\ud558\ub294 \uc911\uc694\ud55c \uc694\uc18c \uc911 \ud558\ub098\uc785\ub2c8\ub2e4. \ubcf8 \uae00\uc5d0\uc11c\ub294 \uc7ac\ud14c\ud06c\ub97c \uc704\ud55c \uae08\uc735\uc77c\uc815 \uad00\ub9ac\uc758 \uc911\uc694\uc131\uacfc \uad6c\uccb4\uc801\uc778 \uc694\ub839\uc744 8\uac1c\uc758 \uc139\uc158\uc73c\ub85c \ub098\ub204\uc5b4 \uc124\uba85\ud558\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n
\uae08\uc735\uc77c\uc815 \uad00\ub9ac\ub294 \uac1c\uc778\uc758 \uc7ac\uc815 \uc0c1\ud0dc\ub97c \uac1c\uc120\ud558\uace0, \ubaa9\ud45c\ub97c \ub2ec\uc131\ud558\ub294 \ub370 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \uc7ac\uc815 \uacc4\ud68d\uc774 \uc5c6\uc73c\uba74 \ubd88\ud544\uc694\ud55c \uc9c0\ucd9c\uc774 \ubc1c\uc0dd\ud558\uace0, \ud22c\uc790 \uae30\ud68c\ub97c \ub193\uce60 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \uae08\uc735\uc77c\uc815\uc744 \uccb4\uacc4\uc801\uc73c\ub85c \uad00\ub9ac\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n
\uae08\uc735\uc77c\uc815 \uad00\ub9ac\uc758 \uccab \ubc88\uc9f8 \uc774\uc810\uc740 \uc608\uc0b0 \uc218\ub9bd\uc785\ub2c8\ub2e4. \uc608\uc0b0\uc744 \uc138\uc6b0\uba74 \uc218\uc785\uacfc \uc9c0\ucd9c\uc744 \uba85\ud655\ud788 \ud30c\uc545\ud560 \uc218 \uc788\uc5b4, \ubd88\ud544\uc694\ud55c \uc9c0\ucd9c\uc744 \uc904\uc774\uace0 \uc800\ucd95\uc744 \ub298\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ub9e4\ub2ec \uace0\uc815 \uc9c0\ucd9c\uacfc \ubcc0\ub3d9 \uc9c0\ucd9c\uc744 \uad6c\ubd84\ud558\uc5ec \uc608\uc0b0\uc744 \uc138\uc6b0\uba74, \uc5b4\ub290 \ubd80\ubd84\uc5d0\uc11c \uc808\uc57d\ud560 \uc218 \uc788\ub294\uc9c0\ub97c \uc27d\uac8c \uc54c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n
\ub450 \ubc88\uc9f8\ub85c, \uae08\uc735\uc77c\uc815 \uad00\ub9ac\ub294 \ud22c\uc790 \uae30\ud68c\ub97c \uadf9\ub300\ud654\ud558\ub294 \ub370 \ub3c4\uc6c0\uc744 \uc90d\ub2c8\ub2e4. \ud2b9\uc815 \uc2dc\uae30\uc5d0 \ud22c\uc790\ud574\uc57c \ud560 \uc790\uc0b0\uc774\ub098 \uc0c1\ud488\uc774 \uc788\uc744 \ub54c, \uc774\ub97c \ubbf8\ub9ac \uacc4\ud68d\ud558\uace0 \uc900\ube44\ud558\uba74 \ub354 \ub098\uc740 \uc218\uc775\uc744 \uc5bb\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc8fc\uc2dd \uc2dc\uc7a5\uc758 \ubcc0\ub3d9\uc131\uc744 \uace0\ub824\ud558\uc5ec \ud2b9\uc815 \uc2dc\uc810\uc5d0 \ub9e4\uc218\ud558\uac70\ub098 \ub9e4\ub3c4\ud558\ub294 \uc804\ub7b5\uc744 \uc138\uc6b8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n
\uc138 \ubc88\uc9f8\ub85c, \uae08\uc735\uc77c\uc815 \uad00\ub9ac\ub294 \uc7ac\uc815 \ubaa9\ud45c \ub2ec\uc131\uc5d0 \uae30\uc5ec\ud569\ub2c8\ub2e4. \ub2e8\uae30, \uc911\uae30, \uc7a5\uae30 \ubaa9\ud45c\ub97c \uc124\uc815\ud558\uace0 \uc774\ub97c \ub2ec\uc131\ud558\uae30 \uc704\ud55c \uc77c\uc815\uc744 \uad00\ub9ac\ud558\uba74, \ubaa9\ud45c\uc5d0 \ub3c4\ub2ec\ud558\ub294 \ub370 \ud544\uc694\ud55c \ud589\ub3d9\uc744 \uccb4\uacc4\uc801\uc73c\ub85c \ucde8\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, 5\ub144 \ud6c4 \uc9d1\uc744 \uad6c\ub9e4\ud558\uae30 \uc704\ud55c \uc800\ucd95 \uacc4\ud68d\uc744 \uc138\uc6b0\uace0, \ub9e4\ub2ec \uc77c\uc815 \uae08\uc561\uc744 \uc800\ucd95\ud558\ub294 \uc77c\uc815\uc744 \uad00\ub9ac\ud558\uba74 \ubaa9\ud45c \ub2ec\uc131\uc774 \uc26c\uc6cc\uc9d1\ub2c8\ub2e4.<\/p>\n
\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \uae08\uc735\uc77c\uc815 \uad00\ub9ac\ub294 \uc2a4\ud2b8\ub808\uc2a4\ub97c \uc904\uc774\ub294 \ub370 \ub3c4\uc6c0\uc744 \uc90d\ub2c8\ub2e4. \uc7ac\uc815 \uc0c1\ud0dc\uc5d0 \ub300\ud55c \ubd88\uc548\uac10\uc774 \uc904\uc5b4\ub4e4\uba74, \ub354 \ub098\uc740 \uc758\uc0ac \uacb0\uc815\uc744 \ub0b4\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc815\uae30\uc801\uc73c\ub85c \uc7ac\uc815 \uc0c1\ud0dc\ub97c \uc810\uac80\ud558\uace0 \uacc4\ud68d\uc744 \uc218\uc815\ud558\uba74, \uc608\uc0c1\uce58 \ubabb\ud55c \uc0c1\ud669\uc5d0 \ub300\ucc98\ud560 \uc218 \uc788\ub294 \ub2a5\ub825\uc774 \ud5a5\uc0c1\ub429\ub2c8\ub2e4.<\/p>\n
\uae08\uc735\uc77c\uc815\uc744 \ud6a8\uacfc\uc801\uc73c\ub85c \uad00\ub9ac\ud558\uae30 \uc704\ud574\uc11c\ub294 \uba87 \uac00\uc9c0 \uae30\ubcf8 \uc6d0\uce59\uc744 \uc774\ud574\ud558\uace0 \uc801\uc6a9\ud574\uc57c \ud569\ub2c8\ub2e4. \uccab \ubc88\uc9f8 \uc6d0\uce59\uc740 \ubaa9\ud45c \uc124\uc815\uc785\ub2c8\ub2e4. \uba85\ud655\ud55c \ubaa9\ud45c\uac00 \uc788\uc5b4\uc57c\ub9cc \uadf8 \ubaa9\ud45c\ub97c \ub2ec\uc131\ud558\uae30 \uc704\ud55c \uacc4\ud68d\uc744 \uc138\uc6b8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubaa9\ud45c\ub294 SMART \uc6d0\uce59\uc5d0 \ub530\ub77c \uc124\uc815\ud574\uc57c \ud569\ub2c8\ub2e4: Specific(\uad6c\uccb4\uc801), Measurable(\uce21\uc815 \uac00\ub2a5), Achievable(\ub2ec\uc131 \uac00\ub2a5), Relevant(\uad00\ub828\uc131), Time-bound(\uc2dc\uac04 \uc81c\ud55c).<\/p>\n
\ub450 \ubc88\uc9f8 \uc6d0\uce59\uc740 \uc6b0\uc120\uc21c\uc704 \uc124\uc815\uc785\ub2c8\ub2e4. \ubaa8\ub4e0 \ubaa9\ud45c\uac00 \ub3d9\uc77c\ud55c \uc911\uc694\uc131\uc744 \uac00\uc9c0\uc9c0 \uc54a\uae30 \ub54c\ubb38\uc5d0, \uc6b0\uc120\uc21c\uc704\ub97c \uc815\ud574 \uac00\uc7a5 \uc911\uc694\ud55c \ubaa9\ud45c\ubd80\ud130 \uc9d1\uc911\uc801\uc73c\ub85c \uad00\ub9ac\ud574\uc57c \ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uae34\uae09\ud55c \ubd80\ucc44 \uc0c1\ud658\uc774 \ud544\uc694\ud558\ub2e4\uba74 \uc774\ub97c \ucd5c\uc6b0\uc120\uc73c\ub85c \ub450\uace0, \uadf8 \ub2e4\uc74c\uc73c\ub85c \uc800\ucd95\uc774\ub098 \ud22c\uc790 \uacc4\ud68d\uc744 \uc138\uc6cc\uc57c \ud569\ub2c8\ub2e4.<\/p>\n
\uc138 \ubc88\uc9f8 \uc6d0\uce59\uc740 \uc815\uae30\uc801\uc778 \uc810\uac80\uc785\ub2c8\ub2e4. \uae08\uc735\uc77c\uc815\uc740 \ud55c \ubc88 \uc138\uc6b0\uace0 \ub05d\ub098\ub294 \uac83\uc774 \uc544\ub2d9\ub2c8\ub2e4. \uc815\uae30\uc801\uc73c\ub85c \uc810\uac80\ud558\uace0 \uc218\uc815\ud574\uc57c \ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ub9e4\ub2ec \ub9d0\uc5d0 \uc790\uc2e0\uc758 \uc7ac\uc815 \uc0c1\ud0dc\ub97c \uc810\uac80\ud558\uace0, \ud544\uc694\uc5d0 \ub530\ub77c \uc608\uc0b0\uc774\ub098 \ud22c\uc790 \uacc4\ud68d\uc744 \uc870\uc815\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n
\ub124 \ubc88\uc9f8 \uc6d0\uce59\uc740 \uae30\ub85d \uc720\uc9c0\uc785\ub2c8\ub2e4. \ubaa8\ub4e0 \uae08\uc735 \uac70\ub798\ub97c \uae30\ub85d\ud558\uba74 \uc790\uc2e0\uc758 \uc18c\ube44 \ud328\ud134\uc744 \ud30c\uc545\ud560 \uc218 \uc788\uace0, \uc774\ub97c \ubc14\ud0d5\uc73c\ub85c \ub354 \ub098\uc740 \uacb0\uc815\uc744 \ub0b4\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ub9e4\ub2ec \uc9c0\ucd9c \ub0b4\uc5ed\uc744 \uae30\ub85d\ud558\uc5ec \ubd88\ud544\uc694\ud55c \uc9c0\ucd9c\uc744 \uc904\uc774\ub294 \ub370 \ub3c4\uc6c0\uc744 \uc904 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n
\ud6a8\uacfc\uc801\uc778 \uae08\uc735\uc77c\uc815 \uad00\ub9ac\ub97c \uc704\ud574 \ub2e4\uc591\ud55c \ub3c4\uad6c\ub97c \ud65c\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uccab \ubc88\uc9f8\ub85c, \uc2a4\ud504\ub808\ub4dc\uc2dc\ud2b8 \ud504\ub85c\uadf8\ub7a8\uc744 \ud65c\uc6a9\ud558\uc5ec \uc608\uc0b0\uc744 \uad00\ub9ac\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. Excel\uc774\ub098 Google Sheets\ub97c \uc0ac\uc6a9\ud558\uba74 \uc218\uc785\uacfc \uc9c0\ucd9c\uc744 \uc27d\uac8c \uae30\ub85d\ud558\uace0 \ubd84\uc11d\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n
\ub450 \ubc88\uc9f8\ub85c, \ubaa8\ubc14\uc77c \uc571\uc744 \ud65c\uc6a9\ud558\ub294 \uac83\ub3c4 \uc88b\uc740 \ubc29\ubc95\uc785\ub2c8\ub2e4. \ub2e4\uc591\ud55c \uae08\uc735 \uad00\ub9ac \uc571\uc774 \uc788\uc73c\uba70, \uc774\ub4e4 \uc571\uc740 \uc790\ub3d9\uc73c\ub85c \uac70\ub798 \ub0b4\uc5ed\uc744 \uae30\ub85d\ud558\uace0 \ubd84\uc11d\ud574\uc90d\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, ‘Mint’\ub098 ‘YNAB(You Need A Budget)’\uc640 \uac19\uc740 \uc571\uc740 \uc0ac\uc6a9\uc790\uc758 \uc18c\ube44 \ud328\ud134\uc744 \ubd84\uc11d\ud558\uc5ec \uc608\uc0b0\uc744 \uc81c\uc548\ud574\uc90d\ub2c8\ub2e4.<\/p>\n
\uc138 \ubc88\uc9f8\ub85c, \uce98\ub9b0\ub354 \uc571\uc744 \ud65c\uc6a9\ud558\uc5ec \uc911\uc694\ud55c \uae08\uc735 \uc77c\uc815\uc744 \uad00\ub9ac\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc138\uae08 \uc2e0\uace0 \uae30\ud55c\uc774\ub098 \ud22c\uc790 \uae30\ud68c\uac00 \uc788\ub294 \ub0a0\uc9dc\ub97c \ubbf8\ub9ac \uc124\uc815\ud574\ub450\uba74 \uc78a\uc9c0 \uc54a\uace0 \uc900\ube44\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n
\ub124 \ubc88\uc9f8\ub85c, \uae08\uc735 \uc804\ubb38\uac00\uc640 \uc0c1\ub2f4\ud558\ub294 \uac83\ub3c4 \uc88b\uc740 \ubc29\ubc95\uc785\ub2c8\ub2e4. \uc804\ubb38\uac00\uc758 \uc870\uc5b8\uc744 \ud1b5\ud574 \ubcf4\ub2e4 \uccb4\uacc4\uc801\uc774\uace0 \uc804\ubb38\uc801\uc778 \uae08\uc735\uc77c\uc815\uc744 \uad00\ub9ac\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc7ac\ubb34 \uc0c1\ub2f4\uc0ac\ub97c \ud1b5\ud574 \uc790\uc2e0\uc758 \uc7ac\uc815 \uc0c1\ud0dc\ub97c \uc810\uac80\ud558\uace0, \ub9de\ucda4\ud615 \uacc4\ud68d\uc744 \uc138\uc6b8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n
\uc7ac\uc815 \ubaa9\ud45c\ub294 \uac1c\uc778\uc758 \uc7ac\uc815 \uc0c1\ud0dc\uc640 \ubbf8\ub798 \uacc4\ud68d\uc5d0 \ub530\ub77c \ub2e4\ub974\uac8c \uc124\uc815\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uccab \ubc88\uc9f8 \ub2e8\uacc4\ub294 \uc790\uc2e0\uc758 \ud604\uc7ac \uc7ac\uc815 \uc0c1\ud0dc\ub97c \ud30c\uc545\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \uc790\uc0b0, \ubd80\ucc44, \uc218\uc785 \ubc0f \uc9c0\ucd9c \ub0b4\uc5ed\uc744 \uc815\ub9ac\ud558\uc5ec \ud604\uc7ac\uc758 \uc7ac\uc815 \uc0c1\ud0dc\ub97c \uba85\ud655\ud788 \uc774\ud574\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n
\ub450 \ubc88\uc9f8 \ub2e8\uacc4\ub294 \ub2e8\uae30, \uc911\uae30, \uc7a5\uae30 \ubaa9\ud45c\ub97c \uc124\uc815\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \ub2e8\uae30 \ubaa9\ud45c\ub294 1\ub144 \uc774\ub0b4\uc5d0 \ub2ec\uc131\ud560 \uc218 \uc788\ub294 \ubaa9\ud45c\ub85c, \uc608\ub97c \ub4e4\uc5b4 \ube44\uc0c1\uae08 \ub9c8\ub828\uc774\ub098 \ubd80\ucc44 \uc0c1\ud658 \ub4f1\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc911\uae30 \ubaa9\ud45c\ub294 1\ub144\uc5d0\uc11c 5\ub144 \uc0ac\uc774\uc5d0 \ub2ec\uc131\ud560 \uc218 \uc788\ub294 \ubaa9\ud45c\ub85c, \uc608\ub97c \ub4e4\uc5b4 \uc790\ub3d9\ucc28 \uad6c\ub9e4\ub098 \uc5ec\ud589 \uc790\uae08 \ub9c8\ub828 \ub4f1\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc7a5\uae30 \ubaa9\ud45c\ub294 5\ub144 \uc774\uc0c1 \uac78\ub9ac\ub294 \ubaa9\ud45c\ub85c, \uc608\ub97c \ub4e4\uc5b4 \uc8fc\ud0dd \uad6c\ub9e4\ub098 \uc740\ud1f4 \uc790\uae08 \ub9c8\ub828 \ub4f1\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n
\uc138 \ubc88\uc9f8 \ub2e8\uacc4\ub294 \uac01 \ubaa9\ud45c\uc5d0 \ub300\ud55c \uad6c\uccb4\uc801\uc778 \uacc4\ud68d\uc744 \uc138\uc6b0\ub294 \uac83\uc785\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ube44\uc0c1\uae08\uc744 \ub9c8\ub828\ud558\uae30 \uc704\ud574 \ub9e4\ub2ec \uc77c\uc815 \uae08\uc561\uc744 \uc800\ucd95\ud558\ub294 \uacc4\ud68d\uc744 \uc138\uc6b8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub54c \ubaa9\ud45c \uae08\uc561\uacfc \uae30\uac04\uc744 \uc124\uc815\ud558\uc5ec \ub9e4\ub2ec \uc800\ucd95\ud574\uc57c \ud560 \uae08\uc561\uc744 \uacc4\uc0b0\ud569\ub2c8\ub2e4.<\/p>\n
\ub124 \ubc88\uc9f8 \ub2e8\uacc4\ub294 \ubaa9\ud45c \ub2ec\uc131\uc744 \uc704\ud55c \ud589\ub3d9 \uacc4\ud68d\uc744 \uc2e4\ud589\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \uacc4\ud68d\ud55c \ub300\ub85c \uc800\ucd95\ud558\uace0 \ud22c\uc790\ud558\uba70, \uc815\uae30\uc801\uc73c\ub85c \uc790\uc2e0\uc758 \uc9c4\ud589 \uc0c1\ud669\uc744 \uc810\uac80\ud569\ub2c8\ub2e4. \ud544\uc694\uc5d0 \ub530\ub77c \uacc4\ud68d\uc744 \uc218\uc815\ud558\uace0 \uc870\uc815\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n
\ud22c\uc790 \uc77c\uc815 \uad00\ub9ac\ub294 \uc7ac\ud14c\ud06c\uc5d0\uc11c \ub9e4\uc6b0 \uc911\uc694\ud55c \ubd80\ubd84\uc785\ub2c8\ub2e4. \uccab \ubc88\uc9f8\ub85c, \ud22c\uc790 \ubaa9\ud45c\ub97c \uc124\uc815\ud574\uc57c \ud569\ub2c8\ub2e4. \ud22c\uc790 \ubaa9\ud45c\ub294 \uc790\uc0b0 \uc99d\uc2dd, \uc740\ud1f4 \uc790\uae08 \ub9c8\ub828 \ub4f1 \ub2e4\uc591\ud560 \uc218 \uc788\uc73c\uba70, \uc774\ub97c \uba85\ud655\ud788 \uc124\uc815\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n
\ub450 \ubc88\uc9f8\ub85c, \ud22c\uc790\ud560 \uc790\uc0b0\uad70\uc744 \uacb0\uc815\ud574\uc57c \ud569\ub2c8\ub2e4. \uc8fc\uc2dd, \ucc44\uad8c, \ubd80\ub3d9\uc0b0 \ub4f1 \ub2e4\uc591\ud55c \uc790\uc0b0\uad70 \uc911\uc5d0\uc11c \uc790\uc2e0\uc758 \ud22c\uc790 \uc131\ud5a5\uacfc \ubaa9\ud45c\uc5d0 \ub9de\ub294 \uc790\uc0b0\uad70\uc744 \uc120\ud0dd\ud574\uc57c \ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc704\ud5d8\uc744 \uac10\uc218\ud560 \uc218 \uc788\ub294 \ud22c\uc790\uc790\ub77c\uba74 \uc8fc\uc2dd \ube44\uc911\uc744 \ub192\uc774\uace0, \uc548\uc815\uc131\uc744 \uc911\uc2dc\ud558\ub294 \ud22c\uc790\uc790\ub77c\uba74 \ucc44\uad8c \ube44\uc911\uc744 \ub192\uc774\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n
\uc138 \ubc88\uc9f8\ub85c, \ud22c\uc790 \uc2dc\uc810\uc744 \uacb0\uc815\ud574\uc57c \ud569\ub2c8\ub2e4. \uc2dc\uc7a5\uc758 \ubcc0\ub3d9\uc131\uc744 \uace0\ub824\ud558\uc5ec \uc801\uc808\ud55c \uc2dc\uc810\uc5d0 \ub9e4\uc218\ud558\uac70\ub098 \ub9e4\ub3c4\ud558\ub294 \uc804\ub7b5\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ud2b9\uc815 \uae30\uc5c5\uc758 \uc8fc\uac00\uac00 \ud558\ub77d\ud588\uc744 \ub54c \ub9e4\uc218\ud558\ub294 \uc804\ub7b5\uc774 \uc788\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n
\ub124 \ubc88\uc9f8\ub85c, \uc815\uae30\uc801\uc73c\ub85c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uc810\uac80\ud558\uace0 \uc870\uc815\ud574\uc57c \ud569\ub2c8\ub2e4. \uc2dc\uc7a5 \uc0c1\ud669\uc774\ub098 \uac1c\uc778\uc758 \uc7ac\uc815 \uc0c1\ud0dc\uc5d0 \ub530\ub77c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uc870\uc815\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ud2b9\uc815 \uc790\uc0b0\uad70\uc758 \ube44\uc911\uc774 \ub108\ubb34 \ub192\uc544\uc84c\ub2e4\uba74 \uc774\ub97c \uc870\uc815\ud558\uc5ec \ub9ac\uc2a4\ud06c\ub97c \ubd84\uc0b0\uc2dc\ud0ac \ud544\uc694\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n
\uc138\uae08 \uad00\ub9ac\ub294 \uc7ac\ud14c\ud06c\uc5d0\uc11c \uac04\uacfc\ud560 \uc218 \uc5c6\ub294 \ubd80\ubd84\uc785\ub2c8\ub2e4. \uccab \ubc88\uc9f8\ub85c, \uc138\uae08 \uc2e0\uace0 \uae30\ud55c\uacfc \uc808\ucc28\ub97c \uc815\ud655\ud788 \uc774\ud574\ud574\uc57c \ud569\ub2c8\ub2e4. \uc138\uae08 \uc2e0\uace0\ub294 \ub9e4\ub144 \uc815\ud574\uc9c4 \uae30\ud55c \ub0b4\uc5d0 \uc774\ub8e8\uc5b4\uc838\uc57c \ud558\uba70, \uc774\ub97c \ubbf8\ub9ac \uc900\ube44\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n
\ub450 \ubc88\uc9f8\ub85c, \uc138\uae08 \uacf5\uc81c \ud56d\ubaa9\uc744 \ud30c\uc545\ud574\uc57c \ud569\ub2c8\ub2e4. \ub2e4\uc591\ud55c \uc138\uae08 \uacf5\uc81c \ud56d\ubaa9\uc774 \uc788\uc73c\uba70, \uc774\ub97c \ud65c\uc6a9\ud558\uba74 \uc138\uae08\uc744 \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc758\ub8cc\ube44\ub098 \uad50\uc721\ube44 \ub4f1 \ud2b9\uc815 \uc9c0\ucd9c\uc5d0 \ub300\ud574 \uc138\uae08 \uacf5\uc81c\ub97c \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n
\uc138 \ubc88\uc9f8\ub85c, \uc808\uc138 \uc0c1\ud488\uc744 \ud65c\uc6a9\ud558\ub294 \uac83\ub3c4 \uc88b\uc740 \ubc29\ubc95\uc785\ub2c8\ub2e4. \uc5f0\uae08\uc800\ucd95\uc774\ub098 IRP(Individual Retirement Pension)\uc640 \uac19\uc740 \uc808\uc138 \uc0c1\ud488\uc5d0 \uac00\uc785\ud558\uba74 \uc138\uae08\uc744 \uc904\uc774\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n
\ub124 \ubc88\uc9f8\ub85c, \uc804\ubb38\uac00\uc758 \ub3c4\uc6c0\uc744 \ubc1b\ub294 \uac83\ub3c4 \uc88b\uc740 \ubc29\ubc95\uc785\ub2c8\ub2e4. \uc138\ubb34\uc0ac\ub098 \ud68c\uacc4\uc0ac\uc640 \uc0c1\ub2f4\ud558\uc5ec \uc790\uc2e0\uc758 \uc0c1\ud669\uc5d0 \ub9de\ub294 \uc808\uc138 \uc804\ub7b5\uc744 \uc138\uc6b8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n
\ube44\uc0c1\uae08\uc740 \uc608\uc0c1\uce58 \ubabb\ud55c \uc0c1\ud669\uc5d0 \ub300\ube44\ud558\uae30 \uc704\ud574 \ubc18\ub4dc\uc2dc \ub9c8\ub828\ud574\uc57c \ud558\ub294 \uc790\uae08\uc785\ub2c8\ub2e4. \uccab \ubc88\uc9f8\ub85c, \ube44\uc0c1\uae08\uc758 \ud544\uc694\uc131\uc744 \uc778\uc2dd\ud574\uc57c \ud569\ub2c8\ub2e4. \uac11\uc791\uc2a4\ub7ec\uc6b4 \uc758\ub8cc\ube44\ub098 \uc2e4\uc9c1 \ub4f1\uc758 \uc0c1\ud669\uc5d0 \ub300\ube44\ud558\uae30 \uc704\ud574 \ube44\uc0c1\uae08\uc744 \ub9c8\ub828\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n
\ub450 \ubc88\uc9f8\ub85c, \ube44\uc0c1\uae08\uc758 \uaddc\ubaa8\ub97c \uacb0\uc815\ud574\uc57c \ud569\ub2c8\ub2e4. \uc77c\ubc18\uc801\uc73c\ub85c 3~6\uac1c\uc6d4\uce58 \uc0dd\ud65c\ube44\ub97c \ube44\uc0c1\uae08\uc73c\ub85c \ub9c8\ub828\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \uac11\uc791\uc2a4\ub7ec\uc6b4 \uc0c1\ud669\uc5d0\uc11c\ub3c4 \uc548\uc815\uc801\uc778 \uc0dd\ud65c\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n
\uc138 \ubc88\uc9f8\ub85c, \ube44\uc0c1\uae08\uc744 \uc5b4\ub514\uc5d0 \ubcf4\uad00\ud560\uc9c0\ub97c \uacb0\uc815\ud574\uc57c \ud569\ub2c8\ub2e4. \ube44\uc0c1\uae08\uc740 \uc720\ub3d9\uc131\uc774 \ub192\uc740 \uacf3\uc5d0 \ubcf4\uad00\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uace0\uc774\uc728\uc758 \uc801\uae08\uc774\ub098 \ud1b5\uc7a5\uc5d0 \ubcf4\uad00\ud558\uba74 \ud544\uc694\ud560 \ub54c \uc27d\uac8c \uc778\ucd9c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n
\ub124 \ubc88\uc9f8\ub85c, \ube44\uc0c1\uae08\uc744 \uc815\uae30\uc801\uc73c\ub85c \uc810\uac80\ud558\uace0 \ubcf4\ucda9\ud574\uc57c \ud569\ub2c8\ub2e4. \ube44\uc0c1\uae08\uc744 \uc0ac\uc6a9\ud55c \uacbd\uc6b0\uc5d0\ub294 \ube60\ub974\uac8c \ubcf4\ucda9\ud558\uc5ec \ud56d\uc0c1 \uc900\ube44\ub41c \uc0c1\ud0dc\ub97c \uc720\uc9c0\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n
\uc7ac\ud14c\ud06c\uc5d0\uc11c \uac00\uc7a5 \uc911\uc694\ud55c \uac83\uc740 \uc9c0\uc18d\uc801\uc778 \uae08\uc735 \uad50\uc721\uacfc \uc790\uae30\uacc4\ubc1c\uc785\ub2c8\ub2e4. \uccab \ubc88\uc9f8\ub85c, \ub2e4\uc591\ud55c \uae08\uc735 \uad00\ub828 \uc11c\uc801\uc774\ub098 \uac15\uc758\ub97c \ud1b5\ud574 \uc9c0\uc2dd\uc744 \uc313\uc544\uc57c \ud569\ub2c8\ub2e4. \uae08\uc735 \uc2dc\uc7a5\uc740 \ub04a\uc784\uc5c6\uc774 \ubcc0\ud654\ud558\ubbc0\ub85c \ucd5c\uc2e0 \uc815\ubcf4\ub97c \uc2b5\ub4dd\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n
\ub450 \ubc88\uc9f8\ub85c, \uc2e4\uc81c \ud22c\uc790 \uacbd\ud5d8\uc744 \ud1b5\ud574 \ubc30\uc6cc\uc57c \ud569\ub2c8\ub2e4. \uc18c\uc561\uc73c\ub85c\ub77c\ub3c4 \uc9c1\uc811 \ud22c\uc790\ub97c \ud574\ubcf4\uba74 \uc774\ub860\uc73c\ub85c \ubc30\uc6b4 \ub0b4\uc6a9\uc744 \uc2e4\uc81c\ub85c \uc801\uc6a9\ud574\ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n
\uc138 \ubc88\uc9f8\ub85c, \uae08\uc735 \uad00\ub828 \ucee4\ubba4\ub2c8\ud2f0\uc5d0 \ucc38\uc5ec\ud558\uc5ec \ub2e4\ub978 \uc0ac\ub78c\ub4e4\uacfc \uacbd\ud5d8\uc744 \uacf5\uc720\ud558\ub294 \uac83\ub3c4 \uc88b\uc740 \ubc29\ubc95\uc785\ub2c8\ub2e4. \ub2e4\uc591\ud55c \uc758\uacac\uacfc \uc815\ubcf4\ub97c \uad50\ud658\ud558\uba70 \ub354 \ub098\uc740 \uc7ac\ud14c\ud06c \uc804\ub7b5\uc744 \uc138\uc6b8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n
\ub124 \ubc88\uc9f8\ub85c, \uc804\ubb38\uac00\uc640\uc758 \uc0c1\ub2f4\uc744 \ud1b5\ud574 \uc790\uc2e0\uc758 \uc7ac\uc815 \uc0c1\ud0dc\ub97c \uc810\uac80\ud558\uace0 \uac1c\uc120\ud560 \uc218 \uc788\ub294 \ubc29\ubc95\uc744 \ubaa8\uc0c9\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n
\uc7ac\ud14c\ud06c\ub97c \uc704\ud55c \uae08\uc735\uc77c\uc815 \uad00\ub9ac\ub294 \uc131\uacf5\uc801\uc778 \uc7ac\uc815 \uad00\ub9ac\ub97c \uc704\ud55c \ud544\uc218 \uc694\uc18c\uc785\ub2c8\ub2e4. \uccb4\uacc4\uc801\uc778 \ubaa9\ud45c \uc124\uc815\uacfc \uc6b0\uc120\uc21c\uc704 \uacb0\uc815, \ub2e4\uc591\ud55c \ub3c4\uad6c \ud65c\uc6a9 \ub4f1\uc744 \ud1b5\ud574 \ud6a8\uacfc\uc801\uc73c\ub85c \uae08\uc735\uc77c\uc815\uc744 \uad00\ub9ac\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c \ud22c\uc790 \uc77c\uc815 \uad00\ub9ac\uc640 \uc138\uae08 \uad00\ub9ac \ub4f1 \ub2e4\uc591\ud55c \uce21\uba74\uc5d0\uc11c \ucca0\uc800\ud55c \uc900\ube44\uac00 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n
\ub9c8\uc9c0\ub9c9\uc73c\ub85c \uc9c0\uc18d\uc801\uc778 \uae08\uc735 \uad50\uc721\uacfc \uc790\uae30\uacc4\ubc1c\uc774 \uc911\uc694\ud558\uba70, \uc774\ub97c \ud1b5\ud574 \ubcc0\ud654\ud558\ub294 \uae08\uc735 \ud658\uacbd\uc5d0 \ub2a5\ub3d9\uc801\uc73c\ub85c \ub300\ucc98\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc694\ub839\ub4e4\uc744 \ud1b5\ud574 \uc5ec\ub7ec\ubd84\uc758 \uc7ac\ud14c\ud06c \uc5ec\uc815\uc774 \ub354\uc6b1 \uc131\uacf5\uc801\uc774\uae30\ub97c \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"
\uc7ac\ud14c\ud06c \uc131\uacf5\uc744 \uc704\ud55c \uae08\uc735\uc77c\uc815 \uad00\ub9ac \uc694\ub839\uc744 \uc18c\uac1c\ud569\ub2c8\ub2e4. \uc911\uc694\ud55c \ub0a0\uc9dc\uc640 \ubaa9\ud45c\ub97c \uc124\uc815\ud574 \uccb4\uacc4\uc801\uc73c\ub85c \uc790\uc0b0\uc744 \uad00\ub9ac\ud558\uc138\uc694.<\/p>\n","protected":false},"author":1,"featured_media":12634,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1965],"tags":[190,4356],"class_list":["post-52958","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lifestyle","tag-google","tag-smart"],"acf":[],"_links":{"self":[{"href":"https:\/\/m9js.shop\/blog\/wp-json\/wp\/v2\/posts\/52958","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/m9js.shop\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/m9js.shop\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/m9js.shop\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/m9js.shop\/blog\/wp-json\/wp\/v2\/comments?post=52958"}],"version-history":[{"count":1,"href":"https:\/\/m9js.shop\/blog\/wp-json\/wp\/v2\/posts\/52958\/revisions"}],"predecessor-version":[{"id":52959,"href":"https:\/\/m9js.shop\/blog\/wp-json\/wp\/v2\/posts\/52958\/revisions\/52959"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/m9js.shop\/blog\/wp-json\/wp\/v2\/media\/12634"}],"wp:attachment":[{"href":"https:\/\/m9js.shop\/blog\/wp-json\/wp\/v2\/media?parent=52958"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/m9js.shop\/blog\/wp-json\/wp\/v2\/categories?post=52958"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/m9js.shop\/blog\/wp-json\/wp\/v2\/tags?post=52958"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}