{"id":57894,"date":"2025-05-18T08:39:20","date_gmt":"2025-05-17T23:39:20","guid":{"rendered":"https:\/\/7lsfm.shop\/blog\/lifestyle\/a-guide-to-financial-management-for-those-in-their-20s-and-30s-that-you-must-prepare-before-marriage"},"modified":"2025-05-18T08:39:23","modified_gmt":"2025-05-17T23:39:23","slug":"a-guide-to-financial-management-for-those-in-their-20s-and-30s-that-you-must-prepare-before-marriage","status":"publish","type":"post","link":"https:\/\/7lsfm.shop\/blog\/lifestyle\/a-guide-to-financial-management-for-those-in-their-20s-and-30s-that-you-must-prepare-before-marriage","title":{"rendered":"\uacb0\ud63c \uc804 \uaf2d \uc900\ube44\ud574\uc57c \ud558\ub294 2030\ub300 \uc7ac\ubb34 \uad00\ub9ac \uac00\uc774\ub4dc"},"content":{"rendered":"<ul class=\"toc_post_list\">\n<li>\n<h2>\ubaa9\ucc28<\/h2>\n<ul>\n<li><a href=\"#%ea%b2%b0%ed%98%bc-%ec%a0%84-%ea%bc%ad-%ec%a4%80%eb%b9%84%ed%95%b4%ec%95%bc-%ed%95%98%eb%8a%94-2030%eb%8c%80-%ec%9e%ac%eb%ac%b4-%ea%b4%80%eb%a6%ac-%ea%b0%80%ec%9d%b4%eb%93%9c-sQMdDsthEd\">\uacb0\ud63c \uc804 \uaf2d \uc900\ube44\ud574\uc57c \ud558\ub294 2030\ub300 \uc7ac\ubb34 \uad00\ub9ac \uac00\uc774\ub4dc<\/a><\/li>\n<li><a href=\"#1-%ec%9e%ac%eb%ac%b4-%ec%83%81%ed%83%9c-%ec%a0%90%ea%b2%80%ea%b3%bc-%ec%a4%80%eb%b9%84-%ea%b3%bc%ec%a0%95-sQMdDsthEd\">1. \uc7ac\ubb34 \uc0c1\ud0dc \uc810\uac80\uacfc \uc900\ube44 \uacfc\uc815<\/a><\/li>\n<li><a href=\"#2-%ec%98%88%ec%82%b0-%ea%b4%80%eb%a6%ac-%eb%b0%8f-%eb%b6%80%ec%b1%84-%ed%95%b4%ea%b2%b0-%ec%a0%84%eb%9e%b5-sQMdDsthEd\">2. \uc608\uc0b0 \uad00\ub9ac \ubc0f \ubd80\ucc44 \ud574\uacb0 \uc804\ub7b5<\/a><\/li>\n<li><a href=\"#3-%ed%88%ac%ec%9e%90%ec%99%80-%ec%a0%80%ec%b6%95-%eb%af%b8%eb%9e%98%eb%a5%bc-%ec%9c%84%ed%95%9c-%ec%9e%ac%eb%ac%b4-%ec%a0%84%eb%9e%b5-sQMdDsthEd\">3. \ud22c\uc790\uc640 \uc800\ucd95: \ubbf8\ub798\ub97c \uc704\ud55c \uc7ac\ubb34 \uc804\ub7b5<\/a><\/li>\n<li><a href=\"#4-%ec%9e%a5%ea%b8%b0-%ec%9e%ac%eb%ac%b4-%ea%b3%84%ed%9a%8d-%eb%b3%b4%ed%97%98-%ec%84%b8%eb%ac%b4-%eb%b0%8f-%ed%87%b4%ec%a7%81-%ec%a4%80%eb%b9%84-sQMdDsthEd\">4. \uc7a5\uae30 \uc7ac\ubb34 \uacc4\ud68d, \ubcf4\ud5d8, \uc138\ubb34 \ubc0f \ud1f4\uc9c1 \uc900\ube44<\/a><\/li>\n<li><a href=\"#%ea%b2%b0%eb%a1%a0-%eb%af%b8%eb%9e%98%eb%a5%bc-%ec%a4%80%eb%b9%84%ed%95%98%eb%8a%94-%ed%98%84%eb%aa%85%ed%95%9c-%ec%9e%ac%eb%ac%b4-%ea%b4%80%eb%a6%ac-sQMdDsthEd\">\uacb0\ub860: \ubbf8\ub798\ub97c \uc900\ube44\ud558\ub294 \ud604\uba85\ud55c \uc7ac\ubb34 \uad00\ub9ac<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>    <title id=\"%ea%b2%b0%ed%98%bc-%ec%a0%84-%ea%bc%ad-%ec%a4%80%eb%b9%84%ed%95%b4%ec%95%bc-%ed%95%98%eb%8a%94-2030%eb%8c%80-%ec%9e%ac%eb%ac%b4-%ea%b4%80%eb%a6%ac-%ea%b0%80%ec%9d%b4%eb%93%9c-sQMdDsthEd\">\uacb0\ud63c \uc804 \uaf2d \uc900\ube44\ud574\uc57c \ud558\ub294 2030\ub300 \uc7ac\ubb34 \uad00\ub9ac \uac00\uc774\ub4dc<\/title><\/p>\n<h1 id=\"%ea%b2%b0%ed%98%bc-%ec%a0%84-%ea%bc%ad-%ec%a4%80%eb%b9%84%ed%95%b4%ec%95%bc-%ed%95%98%eb%8a%94-2030%eb%8c%80-%ec%9e%ac%eb%ac%b4-%ea%b4%80%eb%a6%ac-%ea%b0%80%ec%9d%b4%eb%93%9c-sQMdDsthEd\">\uacb0\ud63c \uc804 \uaf2d \uc900\ube44\ud574\uc57c \ud558\ub294 2030\ub300 \uc7ac\ubb34 \uad00\ub9ac \uac00\uc774\ub4dc<\/h1>\n<p><img decoding=\"async\" src=\"https:\/\/7lsfm.shop\/blog\/wp-content\/uploads\/2025\/05\/eab2b0ed98bc-eca084-eabcad-eca480ebb984ed95b4ec95bc-ed9598eb8a94-2030eb8c80-ec9eacebacb4-eab480eba6ac-eab080ec9db4eb939c.jpeg\" alt=\"\uacb0\ud63c \uc804 \uaf2d \uc900\ube44\ud574\uc57c \ud558\ub294 2030\ub300 \uc7ac\ubb34 \uad00\ub9ac \uac00\uc774\ub4dc\" \/><\/p>\n<p>2030 \uc138\ub300\uc5d0\uac8c \uacb0\ud63c \uc804 \uc7ac\ubb34 \uc900\ube44\ub294 \ub2e8\uc21c\ud55c \uc808\uc57d\uc758 \ubb38\uc81c\uac00 \uc544\ub2c8\ub77c, \uc55e\uc73c\ub85c\uc758 \uc778\uc0dd \uc124\uacc4 \uc804\ubc18\uc744 \uc544\uc6b0\ub974\ub294 \uc911\uc694\ud55c \uacfc\uc81c\uc785\ub2c8\ub2e4. \uc624\ub298\ub0a0 \uc80a\uc740 \uc138\ub300\ub294 \ud559\uc790\uae08 \ub300\ucd9c, \ucde8\uc5c5\ub09c, \ubd88\uc548\uc815\ud55c \uace0\uc6a9 \ud658\uacbd \ub4f1 \ub2e4\uc591\ud55c \uacbd\uc81c\uc801 \uc555\ubc15 \uc18d\uc5d0\uc11c \uc0b4\uc544\uac00\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \uae00\uc5d0\uc11c\ub294 \uacb0\ud63c \uc804 \ubc18\ub4dc\uc2dc \uc900\ube44\ud574\uc57c \ud558\ub294 \uc7ac\ubb34 \uad00\ub9ac \uc804\ub7b5\uc744 \ub124 \uac1c\uc758 \uc8fc\uc694 \uc139\uc158\uc73c\ub85c \ub098\ub204\uc5b4, \uac01 \uc139\uc158\ub9c8\ub2e4 \uc2e4\uc81c \uc0ac\ub840, \ud1b5\uacc4 \uc790\ub8cc, \uc2ec\ub3c4 \uc788\ub294 \uc5f0\uad6c \uacb0\uacfc\ub97c \ubc14\ud0d5\uc73c\ub85c \uc2e4\uc9c8\uc801\uc778 \uc870\uc5b8\uacfc \ubc29\ud5a5\uc744 \uc81c\uc2dc\ud558\uace0\uc790 \ud569\ub2c8\ub2e4.<\/p>\n<p>\uc7ac\ubb34 \uad00\ub9ac\uc758 \ud575\uc2ec\uc740 \uc790\uc2e0\uc758 \ud604\uc7ac \uc7ac\ubb34 \uc0c1\ud0dc\ub97c \uc815\ud655\ud788 \uc9c4\ub2e8\ud558\uace0, \uc774\ub97c \ud1a0\ub300\ub85c \ub2e8\uae30 \ubc0f \uc7a5\uae30 \ubaa9\ud45c\ub97c \uc218\ub9bd\ud558\ub294 \uac83\uc5d0 \uc788\uc2b5\ub2c8\ub2e4. 2030 \uc138\ub300\uc758 \uacbd\uc6b0, \uacb0\ud63c\uc774\ub77c\ub294 \uc778\uc0dd\uc758 \uc911\ub300 \uc774\ubca4\ud2b8\ub97c \uc55e\ub450\uace0 \uc788\ub294 \ub9cc\ud07c, \ubbf8\ub798\uc758 \uc7ac\ubb34 \uc548\uc815\uc131\uc744 \ud655\ubcf4\ud558\ub294 \uac83\uc740 \ubb3c\ub860, \ud63c\uc218 \ube44\uc6a9, \uc8fc\uac70\ube44, \uc790\ub140 \uad50\uc721\ube44 \ub4f1 \ub2e4\uc591\ud55c \ubd80\ub2f4 \uc694\uc18c\ub97c \uace0\ub824\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774 \uae00\uc740 \uadf8\ub7ec\ud55c \uc694\uad6c\uc5d0 \ubd80\uc751\ud558\uc5ec, \uc804\ubb38\uac00\uc758 \uc2dc\uac01\uc5d0\uc11c \uccb4\uacc4\uc801\uc774\uace0 \uc138\uc138\ud55c \uad00\ub9ac \ubc29\ubc95\uc744 \uc548\ub0b4\ud569\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c, \uc7ac\ubb34 \uad00\ub9ac\ub77c\ub294 \uc8fc\uc81c\ub294 \ub2e8\uc21c\ud55c \uc808\uc57d\uc774\ub098 \uc800\ucd95\ubfd0 \uc544\ub2c8\ub77c, \uc790\uc2e0\uc758 \uc7ac\ubb34 \uc0c1\ud0dc\uc5d0 \ub9de\ub294 \ub9de\ucda4\ud615 \ud22c\uc790 \uc804\ub7b5\uacfc \ub9ac\uc2a4\ud06c \uad00\ub9ac, \uadf8\ub9ac\uace0 \uae34\uae09\uc790\uae08 \ub9c8\ub828\uacfc \uac19\uc740 \uc694\uc18c\ub4e4\uc744 \ubaa8\ub450 \ud3ec\ud568\ud569\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \ub3c5\uc790 \uc5ec\ub7ec\ubd84\uc774 \ud5a5\ud6c4 \ubd80\ubd80\uac04\uc758 \uc7ac\ubb34 \ubb38\uc81c\ub85c \uc778\ud55c \uac08\ub4f1\uc744 \uc608\ubc29\ud558\uace0, \uc548\uc815\uc801\uc778 \uac00\uc815\uacbd\uc81c \uae30\ubc18\uc744 \ub9c8\ub828\ud560 \uc218 \uc788\ub3c4\ub85d \ub3d5\uace0\uc790 \ud569\ub2c8\ub2e4.<\/p>\n<p>\ucd5c\uadfc \uc870\uc0ac\uc5d0 \ub530\ub974\uba74, \uacb0\ud63c\uc744 \uc55e\ub454 2030 \uc138\ub300\uc758 \uc57d 65%\uac00 \uc7ac\ubb34 \uad00\ub9ac\uc5d0 \uad00\ud55c \ubd88\uc548\uc744 \uac16\uace0 \uc788\uc73c\uba70, \uc774 \uc911 45%\ub294 \uad6c\uccb4\uc801\uc778 \uc7ac\ubb34 \uacc4\ud68d\uc744 \uc138\uc6b0\uc9c0 \uc54a\uc740 \uc0c1\ud0dc\ub77c\ub294 \uacb0\uacfc\uac00 \ub098\uc654\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uc55e\uc73c\ub85c\uc758 \uc778\uc0dd\uc5d0 \uc788\uc5b4 \uc7ac\ubb34 \uacc4\ud68d\uc774 \uc5bc\ub9c8\ub098 \uc911\uc694\ud55c\uc9c0\ub97c \ub2e8\uc801\uc73c\ub85c \ubcf4\uc5ec\uc90d\ub2c8\ub2e4. \ub530\ub77c\uc11c \uac01\uc790\uc758 \uc0c1\ud669\uc5d0 \ub9de\ub294 \ucca0\uc800\ud55c \uc900\ube44\uac00 \ud544\uc694\ud558\uba70, \uc804\ubb38\uac00\ub4e4\uc758 \uc870\uc5b8\uc744 \ubc14\ud0d5\uc73c\ub85c \ud55c \uccb4\uacc4\uc801\uc778 \uc804\ub7b5 \uc218\ub9bd\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc774 \uae00\uc5d0\uc11c\ub294 \uacb0\ud63c \uc804 \uc7ac\ubb34 \uc900\ube44\ub97c \uc704\ud574 \uaf2d \uc54c\uc544\uc57c \ud560 \ub124 \uac00\uc9c0 \ud575\uc2ec \uc8fc\uc81c\ub97c \ub2e4\ub8f9\ub2c8\ub2e4. \uccab \ubc88\uc9f8 \uc139\uc158\uc5d0\uc11c\ub294 \u2018\uc7ac\ubb34 \uc0c1\ud0dc \uc810\uac80\uacfc \uc900\ube44 \uacfc\uc815\u2019\uc5d0 \ub300\ud574 \uc0c1\uc138\ud788 \uc124\uba85\ud558\uace0, \ub450 \ubc88\uc9f8 \uc139\uc158\uc5d0\uc11c\ub294 \u2018\uc608\uc0b0 \uad00\ub9ac \ubc0f \ubd80\ucc44 \ud574\uacb0 \uc804\ub7b5\u2019\uc744 \uc0b4\ud3b4\ubd05\ub2c8\ub2e4. \uc138 \ubc88\uc9f8 \uc139\uc158\uc5d0\uc11c\ub294 \u2018\ud22c\uc790\uc640 \uc800\ucd95: \ubbf8\ub798\ub97c \uc704\ud55c \uc7ac\ubb34 \uc804\ub7b5\u2019\uc744 \ud1b5\ud574 \ucd5c\uc2e0 \ud22c\uc790 \ub3d9\ud5a5\uacfc \uc0ac\ub840\ub97c \ubd84\uc11d\ud558\uba70, \ub124 \ubc88\uc9f8 \uc139\uc158\uc5d0\uc11c\ub294 \u2018\uc7a5\uae30 \uc7ac\ubb34 \uacc4\ud68d \ubc0f \ubcf4\ud5d8, \uc138\ubb34\uc640 \ud1f4\uc9c1 \uc900\ube44\u2019\ub97c \uc911\uc2ec\uc73c\ub85c \uc7a5\uae30\uc801\uc778 \uc7ac\ubb34 \uacc4\ud68d \uc218\ub9bd \ubc29\ubc95\uc744 \uc81c\uc2dc\ud569\ub2c8\ub2e4. \uac01 \uc139\uc158\uc740 2030 \uc138\ub300\uac00 \uacb0\ud63c \uc804 \ubc18\ub4dc\uc2dc \ud130\ub4dd\ud574\uc57c \ud560 \ud575\uc2ec \ub0b4\uc6a9\ub4e4\uc744 \uccb4\uacc4\uc801\uc73c\ub85c \uc815\ub9ac\ud558\uc600\uc73c\uba70, \uc774\ub97c \ud1b5\ud574 \ub3c5\uc790 \uc5ec\ub7ec\ubd84\uc774 \uc790\uc2e0\uc5d0\uac8c \ub9de\ub294 \uc7ac\ubb34 \uc804\ub7b5\uc744 \uc218\ub9bd\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub418\uace0\uc790 \ud569\ub2c8\ub2e4.<\/p>\n<p>\uc624\ub298\ub0a0 \uc0ac\ud68c\uc5d0\uc11c\ub294 \ub2e8\uc21c\ud55c \uc800\ucd95\ub9cc\uc73c\ub85c\ub294 \ubbf8\ub798\uc758 \uacbd\uc81c\uc801 \uc5b4\ub824\uc6c0\uc744 \uadf9\ubcf5\ud558\uae30 \uc5b4\ub835\uae30 \ub54c\ubb38\uc5d0, \uccb4\uacc4\uc801\uc778 \uc7ac\ubb34 \uad00\ub9ac\uc640 \ud568\uaed8 \ud22c\uc790 \ubc0f \ub2e4\uc591\ud55c \uc7ac\ubb34 \uc804\ub7b5\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uce21\uba74\uc5d0\uc11c \ubcf8 \uac00\uc774\ub4dc\ub294 \ud604\uba85\ud55c \uc7ac\ubb34 \uad00\ub9ac\uc758 \ucd9c\ubc1c\uc810\uc774 \ub420 \uc218 \uc788\ub3c4\ub85d \uc2ec\ub3c4 \uc788\ub294 \ubd84\uc11d\uacfc \uad6c\uccb4\uc801\uc778 \uc0ac\ub840\ub97c \ud1b5\ud574 \ub3c5\uc790\uc758 \uc774\ud574\ub97c \ub3d5\uace0\uc790 \ud569\ub2c8\ub2e4.<\/p>\n<p>    <\/p>\n<h2 id=\"1-%ec%9e%ac%eb%ac%b4-%ec%83%81%ed%83%9c-%ec%a0%90%ea%b2%80%ea%b3%bc-%ec%a4%80%eb%b9%84-%ea%b3%bc%ec%a0%95-sQMdDsthEd\">1. \uc7ac\ubb34 \uc0c1\ud0dc \uc810\uac80\uacfc \uc900\ube44 \uacfc\uc815<\/h2>\n<p>\uacb0\ud63c \uc804 \uc7ac\ubb34 \uc900\ube44\uc758 \uccab\uac78\uc74c\uc740 \ubc14\ub85c \ud604 \uc0c1\ud0dc\uc5d0 \ub300\ud55c \ucca0\uc800\ud55c \ubd84\uc11d\uc785\ub2c8\ub2e4. \ud604\uc7ac \uc18c\ub4dd, \uc9c0\ucd9c, \ubd80\ucc44 \ubc0f \uc790\uc0b0\uc744 \ubaa8\ub450 \uc9c4\ub2e8\ud558\uc5ec \uc885\ud569\uc801\uc778 \uc7ac\ubb34 \uc0c1\ud0dc\ub97c \ud3c9\uac00\ud558\ub294 \uacfc\uc815\uc740, \uc55e\uc73c\ub85c\uc758 \uc7ac\ubb34 \uc804\ub7b5 \uc218\ub9bd\uc758 \uae30\ucd08\uac00 \ub429\ub2c8\ub2e4. \uc774 \uacfc\uc815\uc5d0\uc11c \uc7ac\ubb34 \uc0c1\ud0dc\ub97c \uc62c\ubc14\ub974\uac8c \ud3c9\uac00\ud558\uc9c0 \ubabb\ud558\uba74, \ubd88\ud544\uc694\ud55c \uc704\ud5d8 \uc694\uc18c\uc5d0 \ub178\ucd9c\ub420 \uc218 \uc788\uc73c\ubbc0\ub85c \uc8fc\uc758\uac00 \ud544\uc694\ud569\ub2c8\ub2e4. \ud2b9\ud788 2030 \uc138\ub300\ub294 \ube44\uad50\uc801 \uc80a\uc740 \ub098\uc774\uc9c0\ub9cc, \ud559\uc790\uae08 \ub300\ucd9c\uc774\ub098 \ucd08\uae30 \uc0ac\ud68c\uc0dd\ud65c\uc5d0\uc11c \ubc1c\uc0dd\ud558\ub294 \ub2e4\uc591\ud55c \ubd80\ucc44 \ubb38\uc81c\ub85c \uc778\ud574 \uc7ac\ubb34 \uac74\uc804\uc131\uc774 \ud754\ub4e4\ub9b4 \uc6b0\ub824\uac00 \ub192\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc6b0\uc120, \uac1c\uc778\uc758 \uc6d4\ubcc4 \uc18c\ub4dd\uacfc \uc9c0\ucd9c \ub0b4\uc5ed\uc744 \uc0c1\uc138\ud788 \uae30\ub85d\ud558\uace0 \ubd84\ub958\ud558\ub294 \uac83\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \uc740\ud589 \uac70\ub798 \ub0b4\uc5ed, \uce74\ub4dc \uc0ac\uc6a9 \ub0b4\uc5ed \ub4f1 \ubaa8\ub4e0 \uae08\uc804\uc801 \ud65c\ub3d9\uc744 \uaf3c\uaf3c\ud788 \uae30\ub85d\ud568\uc73c\ub85c\uc368, \uc790\uc2e0\uc758 \uc18c\ube44 \ud328\ud134\uacfc \uc808\uc57d \uc5ec\ubd80\ub97c \uac1d\uad00\uc801\uc73c\ub85c \ud30c\uc545\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ud55c \uc5f0\uad6c\uc5d0\uc11c\ub294 \uacb0\ud63c \uc804 \uc7ac\ubb34 \uc0c1\ud0dc \uc810\uac80\uc744 \ud1b5\ud574 \ub9e4\ub2ec 10~15% \uc774\uc0c1\uc758 \ubd88\ud544\uc694 \uc9c0\ucd9c\uc744 \uc904\uc778 \ubd80\ubd80\ub4e4\uc774 \uc7ac\ud63c \ud6c4 \uc0dd\ud65c \ub9cc\uc871\ub3c4\uac00 20% \uc774\uc0c1 \ub192\uc558\ub2e4\ub294 \uacb0\uacfc\ub97c \ubc1c\ud45c\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc774\uc640 \ud568\uaed8, \uc7ac\ubb34 \uc790\uc0b0\uacfc \ubd80\ucc44\ub97c \ud55c\ub208\uc5d0 \ubcfc \uc218 \uc788\ub294 \uc7ac\ubb34 \uc0c1\ud669\ud45c\ub97c \uc791\uc131\ud560 \uac83\uc744 \uad8c\uc7a5\ud569\ub2c8\ub2e4. \uc790\uc0b0\uc5d0\ub294 \uc608\uae08, \ud22c\uc790 \uacc4\uc88c, \ubd80\ub3d9\uc0b0 \ub4f1 \ubaa8\ub4e0 \ud615\ud0dc\uc758 \uacbd\uc81c\uc801 \uac00\uce58\ub97c \ud3ec\ud568\uc2dc\ud0a4\uace0, \ubd80\ucc44\uc5d0\ub294 \uc2e0\uc6a9\uce74\ub4dc \uc794\uc561, \ub300\ucd9c, \ud560\ubd80 \ub4f1\ub85d\uae08 \ub4f1 \ubaa8\ub4e0 \ubd80\ucc44\ub97c \uae30\ub85d\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \uac1c\uc778\uc758 \uc21c\uc790\uc0b0(Net Worth)\uc744 \uacc4\uc0b0\ud558\uace0, \ud5a5\ud6c4 \uc5b4\ub5a4 \uc7ac\ubb34 \uc804\ub7b5\uc774 \ud544\uc694\ud55c\uc9c0 \uba85\ud655\ud788 \ud30c\uc545\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc7ac\ubb34 \uc0c1\ud0dc \uc810\uac80\uc744 \uc704\ud55c \ub3c4\uad6c\uc640 \ubc29\ubc95 \ub610\ud55c \ub2e4\uc591\ud569\ub2c8\ub2e4. \ucd5c\uadfc\uc5d0\ub294 \ub2e4\uc591\ud55c \ubaa8\ubc14\uc77c \uc571\uacfc \uc6f9\uc0ac\uc774\ud2b8\uac00 \uac1c\uc778\uc758 \uc7ac\ubb34 \ub370\uc774\ud130\ub97c \uc190\uc27d\uac8c \ubd84\uc11d\ud574 \uc8fc\uba70, \uc774\ub97c \uae30\ubc18\uc73c\ub85c \ub9de\ucda4\ud615 \uc7ac\ubb34 \ud50c\ub79c\uc744 \uc81c\uc2dc\ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \u2018Mint\u2019, \u2018YNAB(You Need A Budget)\u2019 \ub4f1\uc758 \uc571\uc740 \uc0ac\uc6a9\uc790\uc758 \uc18c\ube44\ud328\ud134\uacfc \uc608\uc0b0\uc744 \ubd84\uc11d\ud558\uc5ec \uac1c\uc120\uc810\uc744 \uc81c\uc548\ud558\uace0, \uc7ac\ubb34 \ubaa9\ud45c\uc5d0 \ub9de\ub294 \uacc4\ud68d\uc744 \uc218\ub9bd\ud558\ub294 \ub370 \ub3c4\uc6c0\uc744 \uc90d\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub3c4\uad6c\ub4e4\uc744 \ud65c\uc6a9\ud558\uba74 \ubcf4\ub2e4 \ud6a8\uc728\uc801\uc73c\ub85c \uc7ac\ubb34 \uc0c1\ud0dc\ub97c \ud30c\uc545\ud558\uace0, \uacc4\ud68d\uc744 \uc138\uc6b0\ub294 \ub370 \ud070 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n<p>\uc7ac\ubb34 \uc810\uac80\uc758 \ub450 \ubc88\uc9f8 \ub2e8\uacc4\ub294 \uc790\uc2e0\uc758 \uc7a5\uae30\uc801\uc778 \uc7ac\ubb34 \ubaa9\ud45c\ub97c \uc218\ub9bd\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \uacb0\ud63c \ud6c4 \uc790\ub140 \uad50\uc721\ube44, \uc8fc\ud0dd \uad6c\uc785, \uc740\ud1f4 \uc900\ube44 \ub4f1 \uc7a5\uae30\uc801\uc778 \uad00\uc810\uc5d0\uc11c \ud544\uc694\ud55c \uc790\uae08\uc744 \ubbf8\ub9ac \uacc4\ud68d\ud558\uace0 \uc900\ube44\ud558\ub294 \uac83\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \uc774 \uacfc\uc815\uc5d0\uc11c \ud604\uc2e4\uc801\uc778 \ubaa9\ud45c \uc124\uc815\uacfc \ud568\uaed8, \uc608\uc0c1\uce58 \ubabb\ud55c \ubcc0\uc218\uc5d0\ub3c4 \ub300\ube44\ud560 \uc218 \uc788\ub294 \uae34\uae09\uc790\uae08 \ub9c8\ub828 \uacc4\ud68d\uc774 \ub3d9\uc2dc\uc5d0 \uc774\ub904\uc838\uc57c \ud569\ub2c8\ub2e4. \uc2e4\uc81c \uc0ac\ub840\ub97c \ubcf4\uba74, \uacb0\ud63c \uc900\ube44 \ub2e8\uacc4\uc5d0\uc11c \uc7ac\ubb34 \ubaa9\ud45c\ub97c \uba85\ud655\ud788 \uc124\uc815\ud55c \ubd80\ubd80\ub4e4\uc758 \uacbd\uc6b0 \uacb0\ud63c \ud6c4 \uc7ac\uc815 \uc6b4\uc6a9\uc5d0 \uc788\uc5b4\uc11c \ub354\uc6b1 \uc720\uc5f0\ud558\uac8c \ub300\ucc98\ud560 \uc218 \uc788\uc5c8\ub358 \uc810\uc774 \ud655\uc778\ub429\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c, \uc7ac\ubb34 \uc0c1\ud0dc \uc810\uac80\uc744 \ud1b5\ud574 \ub098\ud0c0\ub09c \ubb38\uc81c\uc810\uc744 \uac1c\uc120\ud558\uae30 \uc704\ud55c \uc2e4\ud589 \uacc4\ud68d\uc744 \uc218\ub9bd\ud574\uc57c \ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ubd88\ud544\uc694\ud55c \uc18c\ube44\ub97c \uc904\uc774\ub294 \uad6c\uccb4\uc801\uc778 \ud589\ub3d9 \uacc4\ud68d\uc774\ub098, \uacfc\ub3c4\ud55c \ubd80\ucc44\uc5d0 \ub300\ud55c \uc0c1\ud658 \uc2a4\ucf00\uc904\uc744 \uccb4\uacc4\uc801\uc73c\ub85c \uc815\ub9ac\ud560 \ud544\uc694\uac00 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub97c \uc704\ud574 \uc804\ubb38\uac00\uc640 \uc0c1\ub2f4\ud558\uac70\ub098, \uc7ac\ubb34 \uad00\ub828 \uc11c\uc801 \ubc0f \uc628\ub77c\uc778 \uac15\uc758\ub97c \ucc38\uace0\ud558\ub294 \uac83\ub3c4 \uc88b\uc740 \ubc29\ubc95\uc785\ub2c8\ub2e4. \ud2b9\ud788, \ucd5c\uadfc\uc5d0\ub294 \uc7ac\ubb34 \uad00\ub9ac \uc804\ubb38\uac00\ub4e4\uc774 \uc81c\uacf5\ud558\ub294 \uc628\ub77c\uc778 \ucee8\uc124\ud305 \uc11c\ube44\uc2a4\uac00 \uc778\uae30\ub97c \ub04c\uace0 \uc788\uc5b4, \uc774\ub97c \ud1b5\ud574 \uac1c\ubcc4 \uc0c1\ud669\uc5d0 \ub9de\ub294 \ub9de\ucda4\ud615 \uc804\ub7b5\uc744 \uc138\uc6b8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ud55c\ud3b8, \uacb0\ud63c \uc804 \uc7ac\ubb34 \uc900\ube44 \uacfc\uc815\uc5d0\uc11c\ub294 \uc2ec\ub9ac\uc801 \uc694\uc778\ub3c4 \uc911\uc694\ud55c \ubcc0\uc218\ub85c \uc791\uc6a9\ud569\ub2c8\ub2e4. \uc7ac\ubb34 \uc0c1\ud669\uc5d0 \ub300\ud55c \uc778\uc2dd\uc774 \ubd80\uc815\uc801\uc77c \uacbd\uc6b0 \uacfc\ub3c4\ud55c \uc2a4\ud2b8\ub808\uc2a4\ub098 \ubd88\uc548\uc73c\ub85c \uc774\uc5b4\uc9c8 \uc218 \uc788\uae30 \ub54c\ubb38\uc5d0, \uae0d\uc815\uc801\uc778 \ub9c8\uc778\ub4dc\uc640 \uc7a5\uae30\uc801 \uc548\ubaa9\uc744 \uc720\uc9c0\ud558\ub294 \uac83\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uc2e4\uc81c\ub85c, \uacb0\ud63c \uc804 \uc7ac\ubb34 \uc810\uac80\uc744 \uc2e4\uc2dc\ud55c \ud6c4 \uc804\ubb38\uac00\uc640\uc758 \uc0c1\ub2f4\uc744 \ud1b5\ud574 \uc7ac\ubb34\uc5d0 \ub300\ud55c \uae0d\uc815\uc801 \uc778\uc2dd\uc744 \ud68c\ubcf5\ud55c \uc0ac\ub840\ub4e4\uc774 \ub2e4\uc218 \ubcf4\uace0\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\uc640 \uac19\uc740 \uc0ac\ub840\ub294 \uc7ac\ubb34 \uc0c1\ud0dc \uc810\uac80\uc774 \ub2e8\uc21c\ud788 \uc22b\uc790\uc758 \uad00\ub9ac\ubfd0 \uc544\ub2c8\ub77c \uc815\uc2e0\uc801\uc778 \uc548\uc815\uc5d0\ub3c4 \uae30\uc5ec\ud560 \uc218 \uc788\uc74c\uc744 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4.<\/p>\n<p>\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \uc7ac\ubb34 \uc0c1\ud0dc \uc810\uac80 \ubc0f \uc900\ube44 \uacfc\uc815\uc5d0\uc11c \ubc18\ub4dc\uc2dc \uace0\ub824\ud574\uc57c \ud560 \uc0ac\ud56d\uc740 \u2018\ud22c\uba85\uc131\u2019\uc785\ub2c8\ub2e4. \uc790\uc2e0\uc774 \uc54c\uace0 \uc788\ub294 \ubaa8\ub4e0 \uc7ac\ubb34 \uc815\ubcf4\ub97c \uac1d\uad00\uc801\uc73c\ub85c \uac80\ud1a0\ud558\uace0, \uc228\uaca8\uc9c4 \ubd80\ucc44\ub098 \uc608\uc0c1\uce58 \ubabb\ud55c \uc9c0\ucd9c \uc694\uc18c\ub4e4\uc744 \uc194\uc9c1\ud558\uac8c \ubc1b\uc544\ub4e4\uc5ec\uc57c \ud569\ub2c8\ub2e4. \uc774\ub97c \ud1a0\ub300\ub85c \ud604\uc2e4\uc801\uc778 \uc7ac\ubb34 \ubaa9\ud45c\uc640 \uc2e4\ud589 \uacc4\ud68d\uc744 \uc138\uc6c0\uc73c\ub85c\uc368, \uc7a5\ub798\uc758 \uc7ac\ubb34 \ubd88\uc548 \uc694\uc18c\ub97c \uc0ac\uc804\uc5d0 \uc81c\uac70\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub9ce\uc740 \uc804\ubb38\uac00\ub4e4\uc774 \ucd08\uae30 \uc7ac\ubb34 \uc810\uac80 \ub2e8\uacc4\uc5d0\uc11c \ubaa8\ub4e0 \ub370\uc774\ud130\ub97c \uba74\ubc00\ud788 \ubd84\uc11d\ud558\ub294 \uac83\uc774 \uc7a5\uae30\uc801\uc778 \uc7ac\ubb34 \uc548\uc815\uc131 \ud655\ubcf4\uc758 \ud575\uc2ec\uc774\ub77c\uace0 \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc2e4\uc81c \uc0ac\ub840\ub85c, \ud55c 2030 \uc138\ub300 \ubd80\ubd80\ub294 \ucc98\uc74c\uc5d0 \uc790\uc2e0\ub4e4\uc758 \uc7ac\ubb34 \uc0c1\ud0dc\ub97c \uc815\ud655\ud788 \uc810\uac80\ud558\uc9c0 \uc54a\uc544 \uacb0\ud63c \ud6c4 \uae09\uaca9\ud55c \uc18c\ube44 \uc99d\uac00\uc640 \uc608\uc0c1\uce58 \ubabb\ud55c \ubd80\ucc44 \ubb38\uc81c\ub85c \ud070 \uc5b4\ub824\uc6c0\uc744 \uacaa\uc740 \ubc18\uba74, \ub2e4\ub978 \ubd80\ubd80\ub294 \ucca0\uc800\ud55c \uc7ac\ubb34 \uc810\uac80\uacfc \uacc4\ud68d \uc218\ub9bd \ub355\ubd84\uc5d0 \uacb0\ud63c \ud6c4\uc5d0\ub3c4 \uc548\uc815\uc801\uc778 \uc7ac\ubb34 \uc0dd\ud65c\uc744 \uc720\uc9c0\ud560 \uc218 \uc788\uc5c8\uc2b5\ub2c8\ub2e4. \uc774\uc640 \uac19\uc774 \ud604\uba85\ud55c \uc7ac\ubb34 \uc0c1\ud0dc \uc810\uac80\uc740 \ud5a5\ud6c4 \ubc1c\uc0dd\ud560 \ub2e4\uc591\ud55c \uc7ac\ubb34 \ubb38\uc81c\ub97c \uc608\ubc29\ud558\ub294 \ud6a8\uacfc\uc801\uc778 \ubc29\ubc95\uc784\uc744 \ub2e4\uc2dc \ud55c \ubc88 \uac15\uc870\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uacb0\ub860\uc801\uc73c\ub85c, \uc7ac\ubb34 \uc0c1\ud0dc \uc810\uac80\uacfc \uc900\ube44 \uacfc\uc815\uc740 \uacb0\ud63c \uc804 2030 \uc138\ub300\uc5d0\uac8c \uc788\uc5b4 \ud544\uc218\uc801\uc778 \uc808\ucc28\uc785\ub2c8\ub2e4. \ucca0\uc800\ud55c \uae30\ub85d\uacfc \ubd84\uc11d, \uadf8\ub9ac\uace0 \ud604\uc2e4\uc801\uc778 \ubaa9\ud45c \uc124\uc815\uacfc \uc2e4\ud589 \uacc4\ud68d\uc744 \ud1b5\ud574 \ud5a5\ud6c4 \ubc1c\uc0dd\ud560 \uc218 \uc788\ub294 \uc7ac\ubb34 \uc704\uae30\ub97c \ubbf8\ub9ac \uc608\ubc29\ud560 \uc218 \uc788\uc73c\uba70, \uc774\uac83\uc774 \uc548\uc815\uc801\uc778 \uac00\uc815 \uacbd\uc81c\ub97c \uad6c\ucd95\ud558\ub294 \uccab\uac78\uc74c\uc785\ub2c8\ub2e4. \uc774\uc81c \ub2e4\uc74c \uc139\uc158\uc5d0\uc11c\ub294 \uc7ac\ubb34 \uc0c1\ud0dc \uc810\uac80 \ub2e8\uacc4\uc5d0\uc11c \ub3c4\ucd9c\ub41c \ub370\uc774\ud130\ub97c \ubc14\ud0d5\uc73c\ub85c \uad6c\uccb4\uc801\uc778 \uc608\uc0b0 \uad00\ub9ac \ubc0f \ubd80\ucc44 \ud574\uacb0 \uc804\ub7b5\uc5d0 \ub300\ud574 \uc0b4\ud3b4\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<p>    <\/p>\n<h2 id=\"2-%ec%98%88%ec%82%b0-%ea%b4%80%eb%a6%ac-%eb%b0%8f-%eb%b6%80%ec%b1%84-%ed%95%b4%ea%b2%b0-%ec%a0%84%eb%9e%b5-sQMdDsthEd\">2. \uc608\uc0b0 \uad00\ub9ac \ubc0f \ubd80\ucc44 \ud574\uacb0 \uc804\ub7b5<\/h2>\n<p>\uc608\uc0b0 \uad00\ub9ac\ub294 \uc7ac\ubb34 \uc900\ube44 \uacfc\uc815\uc5d0\uc11c \uac00\uc7a5 \uc911\uc694\ud55c \ub2e8\uacc4 \uc911 \ud558\ub098\uc774\uba70, \ud2b9\ud788 \uacb0\ud63c \uc804 2030 \uc138\ub300\ub294 \ub2e4\uc591\ud55c \uc18c\ube44 \uc694\uc778\uacfc \ubd88\uaddc\uce59\ud55c \uc218\uc785 \uad6c\uc870\ub85c \uc778\ud574 \uc608\uc0b0 \uad00\ub9ac\uac00 \uc5b4\ub824\uc6b8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud6a8\uacfc\uc801\uc778 \uc608\uc0b0 \uad00\ub9ac\ub294 \ubaa8\ub4e0 \ubd80\ubd80\uc5d0\uac8c \ud544\uc218\uc801\uc774\uba70, \uacb0\ud63c \uc0dd\ud65c\uc758 \uc548\uc815\uc131\uc744 \ubcf4\uc7a5\ud558\ub294 \ub370 \ud070 \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \uc774 \uc139\uc158\uc5d0\uc11c\ub294 \uc608\uc0b0 \uad00\ub9ac\ub97c \uc704\ud55c \uad6c\uccb4\uc801\uc778 \uc804\ub7b5\uacfc \ubd80\ucc44 \ud574\uacb0 \ubc29\ubc95, \uadf8\ub9ac\uace0 \uc2e4\uc81c \uc0ac\ub840\uc640 \ud1b5\uacc4 \uc790\ub8cc\ub97c \ud1a0\ub300\ub85c \ud55c \ubd84\uc11d\uc744 \ud1b5\ud574 \uc5ec\ub7ec\ubd84\uc758 \uc7ac\ubb34 \uc0dd\ud65c\uc5d0 \uc2e4\uc9c8\uc801\uc778 \ub3c4\uc6c0\uc744 \uc81c\uacf5\ud558\uace0\uc790 \ud569\ub2c8\ub2e4.<\/p>\n<p>\uccab \ubc88\uc9f8\ub85c, \uc608\uc0b0 \uc218\ub9bd \uacfc\uc815\uc5d0\uc11c\ub294 \uace0\uc815 \uc9c0\ucd9c\uacfc \ubcc0\ub3d9 \uc9c0\ucd9c\uc744 \uad6c\ubd84\ud558\uc5ec \uccb4\uacc4\uc801\uc73c\ub85c \uae30\ub85d\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uace0\uc815 \uc9c0\ucd9c\uc740 \uc6d4\uc138, \uacf5\uacfc\uae08, \ubcf4\ud5d8\ub8cc \ub4f1 \ub9e4\uc6d4 \ubc18\ub4dc\uc2dc \uc9c0\ucd9c\ub418\ub294 \ube44\uc6a9\uc744 \uc758\ubbf8\ud558\uba70, \ubcc0\ub3d9 \uc9c0\ucd9c\uc740 \uc2dd\ube44, \uad50\ud1b5\ube44, \uc5d4\ud130\ud14c\uc778\uba3c\ud2b8 \ube44\uc6a9 \ub4f1 \uc0c1\ud669\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c0\ub294 \ubd80\ubd84\uc744 \ud3ec\ud568\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uad6c\ubd84 \uc791\uc5c5\uc740 \uc608\uc0b0\uc744 \ud6a8\uc728\uc801\uc73c\ub85c \uad00\ub9ac\ud560 \uc218 \uc788\ub3c4\ub85d \ub3c4\uc640\uc8fc\uba70, \ubd88\ud544\uc694\ud55c \uc9c0\ucd9c \ud56d\ubaa9\uc744 \uc27d\uac8c \ud30c\uc545\ud560 \uc218 \uc788\uac8c \ud574\uc90d\ub2c8\ub2e4.<\/p>\n<p>\uc608\uc0b0 \uad00\ub9ac\ub97c \uc704\ud574\uc11c\ub294 \ub2e4\uc74c\uacfc \uac19\uc740 \ub2e8\uacc4\uc801 \uc811\uadfc \ubc29\ubc95\uc774 \ud6a8\uacfc\uc801\uc785\ub2c8\ub2e4. \uc6b0\uc120, \ud55c \ub2ec \ub3d9\uc548\uc758 \ubaa8\ub4e0 \uc218\uc785\uacfc \uc9c0\ucd9c \ub0b4\uc5ed\uc744 \uaf3c\uaf3c\ud788 \uae30\ub85d\ud55c \ud6c4, \uac01 \ud56d\ubaa9\ubcc4\ub85c \uc5bc\ub9c8\ub9cc\ud07c\uc758 \ube44\uc6a9\uc774 \uc18c\uc694\ub418\ub294\uc9c0 \ubd84\uc11d\ud569\ub2c8\ub2e4. \uc774 \uacfc\uc815\uc5d0\uc11c, \uacfc\uac70 \ub370\uc774\ud130\uc640 \ucd5c\uadfc\uc758 \uc18c\ube44 \ud328\ud134\uc744 \ubd84\uc11d\ud558\uc5ec \ubbf8\ub798\uc758 \uc18c\ube44 \uacc4\ud68d\uc744 \uc608\uce21\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ud2b9\uc815 \uae30\uac04\uc5d0 \uc9c0\ucd9c\uc774 \uae09\uc99d\ud558\ub294 \uc6d0\uc778\uc744 \ud30c\uc545\ud558\uace0, \uc774\ub97c \uac1c\uc120\ud558\uae30 \uc704\ud55c \ubc29\uc548\uc744 \ub9c8\ub828\ud558\ub294 \uac83\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4.<\/p>\n<p>\ub450 \ubc88\uc9f8\ub85c, \uc608\uc0b0 \uc218\ub9bd \ud6c4\uc5d0\ub294 \uc2e4\uc81c \uc9c0\ucd9c\uacfc \uc608\uc0b0 \uacc4\ud68d \uac04\uc758 \ucc28\uc774\ub97c \uc815\uae30\uc801\uc73c\ub85c \ubaa8\ub2c8\ud130\ub9c1\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774\ub97c \uc704\ud574 \ub9e4\uc8fc \ud639\uc740 \ub9e4\uc6d4 \uc815\uae30\uc801\uc73c\ub85c \uc608\uc0b0 \uac80\ud1a0 \ud68c\uc758\ub97c \ud1b5\ud574, \uc9c0\ucd9c \ub0b4\uc5ed\uc744 \uc7ac\ud655\uc778\ud558\uace0 \ubd88\ud544\uc694\ud55c \uc18c\ube44\ub97c \uc904\uc774\ub294 \ub178\ub825\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \ucd5c\uadfc \ud55c \uc870\uc0ac\uc5d0 \ub530\ub974\uba74, \uccb4\uacc4\uc801\uc778 \uc608\uc0b0 \uad00\ub9ac\ub97c \uc2e4\uc2dc\ud55c \ubd80\ubd80\ub4e4\uc740 \uacb0\ud63c \ud6c4 \uc7ac\uc815\uc801 \ubd88\uc548\uac10\uc744 30% \uc774\uc0c1 \ub0ae\ucd9c \uc218 \uc788\uc5c8\ub2e4\uace0 \ubcf4\uace0\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc0ac\ub840\ub294 \uc608\uc0b0 \uad00\ub9ac\uc758 \uc911\uc694\uc131\uacfc \ud6a8\uacfc\ub97c \ub2e8\uc801\uc73c\ub85c \ubcf4\uc5ec\uc90d\ub2c8\ub2e4.<\/p>\n<p>\uc608\uc0b0 \uad00\ub9ac\ub97c \ubcf4\ub2e4 \uccb4\uacc4\uc801\uc73c\ub85c \uc218\ud589\ud558\uae30 \uc704\ud574 \ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc774 \ubaa8\ubc14\uc77c \uc571\uc774\ub098 \uc5d1\uc140 \uc2a4\ud504\ub808\ub4dc\uc2dc\ud2b8 \uac19\uc740 \ub3c4\uad6c\ub97c \uc0ac\uc6a9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uad6d\ub0b4\uc678\uc5d0\uc11c \ub9ce\uc774 \uc0ac\uc6a9\ub418\ub294 \u2018\ubc45\ud06c\uc0d0\ub7ec\ub4dc\u2019\ub098 \u2018\ud1a0\uc2a4\u2019\uc640 \uac19\uc740 \uc571\uc740 \uc0ac\uc6a9\uc790\uac00 \uc6d4\ubcc4 \uc608\uc0b0\uc744 \uc124\uc815\ud558\uace0, \uc18c\ube44 \ub0b4\uc5ed\uc744 \uc2e4\uc2dc\uac04\uc73c\ub85c \uae30\ub85d\ud558\uc5ec \ubd84\uc11d \uacb0\uacfc\ub97c \uc81c\uacf5\ud574 \uc90d\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub3c4\uad6c\ub4e4\uc740 \uc0ac\uc6a9\uc790\uc5d0\uac8c \ub9de\ucda4\ud615 \uc608\uc0b0 \uad00\ub9ac \uc804\ub7b5\uc744 \uc81c\uc2dc\ud558\uba70, \ubd88\ud544\uc694\ud55c \uc18c\ube44 \ud56d\ubaa9\uc744 \uc81c\uac70\ud558\ub294 \ub370 \ud070 \ub3c4\uc6c0\uc744 \uc90d\ub2c8\ub2e4.<\/p>\n<p>\ubd80\ucc44 \uad00\ub9ac \uc5ed\uc2dc \uc608\uc0b0 \uad00\ub9ac\uc758 \uc5f0\uc7a5\uc120\uc0c1\uc5d0\uc11c \ub9e4\uc6b0 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \uacb0\ud63c \uc804 2030 \uc138\ub300 \uc911\uc5d0\ub294 \ud559\uc790\uae08 \ub300\ucd9c, \uc2e0\uc6a9\uce74\ub4dc \ubd80\ucc44, \uc18c\ube44 \ub300\ucd9c \ub4f1 \ub2e4\uc591\ud55c \ubd80\ucc44\ub97c \uc548\uace0 \uc788\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \ubd80\ucc44\ub294 \ub2e8\uc21c\ud788 \ub0a8\ub294 \uae08\uc561\uc744 \uc904\uc774\ub294 \ubb38\uc81c\uac00 \uc544\ub2c8\ub77c, \uc774\uc790 \ubd80\ub2f4\uacfc \uc7a5\uae30\uc801\uc778 \uc7ac\ubb34 \uac74\uc804\uc131\uc5d0 \ud070 \uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4. \ub530\ub77c\uc11c \ubd80\ucc44 \uc0c1\ud669\uc744 \uc815\ud655\ud788 \ud30c\uc545\ud558\uace0, \uc0c1\ud658 \uacc4\ud68d\uc744 \uccb4\uacc4\uc801\uc73c\ub85c \uc218\ub9bd\ud558\ub294 \uac83\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4.<\/p>\n<p>\ubd80\ucc44 \ud574\uacb0 \uc804\ub7b5\uc5d0\uc11c\ub294 \uba3c\uc800, \uace0\uc774\uc728 \ubd80\ucc44\ubd80\ud130 \uc6b0\uc120 \uc0c1\ud658\ud558\ub294 \u2018\ub208\ub369\uc774 \ubc29\uc2dd(Debt Snowball)\u2019\uacfc \u2018\ub208\uc0ac\ud0dc \ubc29\uc2dd(Debt Avalanche)\u2019 \uc911 \ubcf8\uc778\uc5d0\uac8c \ub9de\ub294 \uc804\ub7b5\uc744 \uc120\ud0dd\ud574\uc57c \ud569\ub2c8\ub2e4. \ub208\ub369\uc774 \ubc29\uc2dd\uc740 \uc794\uc561\uc774 \uc791\uc740 \ubd80\ucc44\ubd80\ud130 \uc0c1\ud658\ud574 \ub098\uac00\uba70 \uc2ec\ub9ac\uc801 \ub3d9\uae30\ub97c \ubd80\uc5ec\ud558\ub294 \ubc29\uc2dd\uc774\uba70, \ub208\uc0ac\ud0dc \ubc29\uc2dd\uc740 \uc774\uc790\uc728\uc774 \ub192\uc740 \ubd80\ucc44\ubd80\ud130 \uc0c1\ud658\ud558\ub294 \ubc29\uc2dd\uc73c\ub85c \uc7a5\uae30\uc801\uc73c\ub85c \uc774\uc790 \ubd80\ub2f4\uc744 \uc904\uc77c \uc218 \uc788\ub294 \uc7a5\uc810\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc804\ubb38\uac00\ub4e4\uc740 \uac01\uc790\uc758 \uc7ac\ubb34 \uc0c1\ud669\uc5d0 \ub530\ub77c \uc704\uc758 \ub450 \uac00\uc9c0 \uc804\ub7b5\uc744 \ud63c\ud569\ud558\uc5ec \uc0ac\uc6a9\ud558\ub294 \uac83\uc774 \ubc14\ub78c\uc9c1\ud558\ub2e4\uace0 \uc870\uc5b8\ud569\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c, \ubd80\ucc44 \uad00\ub9ac\uc5d0\ub294 \u2018\uae34\uae09 \uc790\uae08 \ub9c8\ub828\u2019\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \uc608\uae30\uce58 \ubabb\ud55c \uc0ac\uace0\ub098 \uc9c8\ubcd1, \uc2e4\uc9c1 \ub4f1\uc73c\ub85c \uc778\ud574 \ubc1c\uc0dd\ud560 \uc218 \uc788\ub294 \uae09\uc791\uc2a4\ub7ec\uc6b4 \uc7ac\uc815 \uc704\uae30\ub97c \uadf9\ubcf5\ud558\uae30 \uc704\ud574, \ucd5c\uc18c 3~6\uac1c\uc6d4 \uce58 \uc0dd\ud65c\ube44\uc5d0 \ud574\ub2f9\ud558\ub294 \uae08\uc561\uc744 \uae34\uae09 \uc790\uae08\uc73c\ub85c \ub530\ub85c \ub9c8\ub828\ud574 \ub450\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \ubd80\ucc44 \uc0c1\ud658\uacfc \ub3d9\uc2dc\uc5d0 \uc7ac\uc815\uc801 \uc548\uc804\ub9dd\uc744 \uad6c\ucd95\ud560 \uc218 \uc788\uc73c\uba70, \uc7a5\uae30\uc801\uc778 \uc7ac\ubb34 \ubd88\uc548 \uc694\uc18c\ub97c \ud6a8\uacfc\uc801\uc73c\ub85c \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc2e4\uc81c \uc0ac\ub840\ub97c \ub4e4\uc5b4\ubcf4\uba74, \ud55c 2030 \uc138\ub300 \ubd80\ubd80\ub294 \uacb0\ud63c \uc804 \uc608\uc0b0 \uad00\ub9ac\ub97c \uc18c\ud640\ud788 \ud55c \uacb0\uacfc, \uacb0\ud63c \ud6c4 \uc608\uc0c1\uce58 \ubabb\ud55c \uc758\ub8cc\ube44\uc640 \uc0dd\ud65c\ube44 \uc0c1\uc2b9\uc73c\ub85c \uc778\ud574 \uc2ec\uac01\ud55c \uc7ac\ubb34 \uc704\uae30\ub97c \uacaa\uc5c8\uc2b5\ub2c8\ub2e4. \ubc18\uba74, \ub2e4\ub978 \ubd80\ubd80\ub294 \uacb0\ud63c \uc804\ubd80\ud130 \uccb4\uacc4\uc801\uc778 \uc608\uc0b0 \uad00\ub9ac\uc640 \ubd80\ucc44 \uc0c1\ud658 \uacc4\ud68d\uc744 \uc138\uc6cc, \uacb0\ud63c \ud6c4\uc5d0\ub3c4 \uc548\uc815\uc801\uc778 \uc7ac\ubb34 \uc0c1\ud0dc\ub97c \uc720\uc9c0\ud560 \uc218 \uc788\uc5c8\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc0ac\ub840\ub4e4\uc740 \uc608\uc0b0 \uad00\ub9ac\uc640 \ubd80\ucc44 \ud574\uacb0 \uc804\ub7b5\uc774 \uacb0\ud63c \ud6c4\uc758 \uc7ac\ubb34 \uc0dd\ud65c\uc5d0 \uc5bc\ub9c8\ub098 \uc911\uc694\ud55c \uc601\ud5a5\uc744 \ubbf8\uce58\ub294\uc9c0\ub97c \uba85\ud655\ud788 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4.<\/p>\n<p>\uc608\uc0b0 \uad00\ub9ac\uc640 \ubd80\ucc44 \ud574\uacb0\uc744 \uc704\ud55c \ub3c4\uad6c\uc640 \uc804\ub7b5\uc744 \uc815\ub9ac\ud558\uba74 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n<ul>\n<li>\uc6d4\ubcc4 \uc18c\ub4dd \ubc0f \uc9c0\ucd9c \uae30\ub85d\uacfc \ubd84\ub958<\/li>\n<li>\uace0\uc815 \uc9c0\ucd9c\uacfc \ubcc0\ub3d9 \uc9c0\ucd9c\uc758 \uba85\ud655\ud55c \uad6c\ubd84<\/li>\n<li>\uc815\uae30\uc801\uc778 \uc608\uc0b0 \uac80\ud1a0 \ubc0f \uc870\uc815<\/li>\n<li>\ubd80\ucc44 \uc0c1\ud658 \uc6b0\uc120\uc21c\uc704 \uc124\uc815 (\ub208\ub369\uc774 \ud639\uc740 \ub208\uc0ac\ud0dc \ubc29\uc2dd)<\/li>\n<li>\uae34\uae09 \uc790\uae08 \ub9c8\ub828 \uacc4\ud68d \uc218\ub9bd<\/li>\n<\/ul>\n<p>\ub610\ud55c, \ucd5c\uadfc \ub370\uc774\ud130\uc5d0 \ub530\ub974\uba74 2030 \uc138\ub300 \uc911 \uc608\uc0b0 \uad00\ub9ac\ub97c \uccb4\uacc4\uc801\uc73c\ub85c \uc218\ud589\ud55c \uc774\ub4e4\uc758 \uc7ac\ubb34 \uac74\uc804\uc131\uc774 \ud3c9\uade0 25% \uc774\uc0c1 \uac1c\uc120\ub418\uc5c8\uc73c\uba70, \ubd80\ucc44 \uc0c1\ud658\uc5d0 \uc131\uacf5\ud55c \uc0ac\ub840\ub294 40% \uc774\uc0c1\uc758 \ud655\ub960\uc744 \ubcf4\uc600\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uccb4\uacc4\uc801\uc778 \uc608\uc0b0 \uad00\ub9ac\uc640 \ubd80\ucc44 \ud574\uacb0 \uc804\ub7b5\uc774 \uc5bc\ub9c8\ub098 \ud6a8\uacfc\uc801\uc778\uc9c0 \ubcf4\uc5ec\uc8fc\ub294 \uc911\uc694\ud55c \ud1b5\uacc4 \uc790\ub8cc\uc785\ub2c8\ub2e4.<\/p>\n<p>\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \uc608\uc0b0 \uad00\ub9ac\uc640 \ubd80\ucc44 \ud574\uacb0\uc5d0\ub294 \ubd80\ubd80\uac04\uc758 \uc18c\ud1b5\uacfc \ud611\ub825\uc774 \ubb34\uc5c7\ubcf4\ub2e4 \uc911\uc694\ud569\ub2c8\ub2e4. \uacb0\ud63c \uc804 \uc7ac\ubb34 \uacc4\ud68d \uc218\ub9bd \ub2e8\uacc4\uc5d0\uc11c \uc11c\ub85c\uc758 \uc18c\ube44 \uc2b5\uad00\uc744 \uc774\ud574\ud558\uace0, \uc7a5\uae30\uc801\uc778 \ubaa9\ud45c\ub97c \uacf5\uc720\ud558\ub294 \uacfc\uc815\uc740 \uacb0\ud63c \ud6c4 \uc7ac\uc815 \uad00\ub9ac\uc758 \uc6d0\ud65c\ud55c \uc9c4\ud589\uc5d0 \ud070 \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \uc804\ubb38\uac00\ub4e4\uc740 \uacb0\ud63c \uc804 \uc7ac\ubb34 \uc0c1\ub2f4\uc774\ub098 \ubd80\ubd80 \uc0c1\ub2f4\uc744 \ud1b5\ud574 \uc11c\ub85c\uc758 \uc7ac\ubb34\uad00\ub150\uc744 \uc870\uc728\ud558\uace0, \ud604\uc2e4\uc801\uc778 \uc608\uc0b0 \uacc4\ud68d\uc744 \uc138\uc6b8 \uac83\uc744 \uad8c\uc7a5\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc885\ud569\ud558\uba74, \ud6a8\uacfc\uc801\uc778 \uc608\uc0b0 \uad00\ub9ac\uc640 \ubd80\ucc44 \ud574\uacb0 \uc804\ub7b5\uc740 \uacb0\ud63c \uc804 \uc7ac\ubb34 \uc900\ube44\uc758 \ud575\uc2ec\uc801\uc778 \uc694\uc18c\ub85c, \uccb4\uacc4\uc801\uc778 \uacc4\ud68d \uc218\ub9bd\uacfc \uc815\uae30\uc801\uc778 \uc810\uac80\uc744 \ud1b5\ud574 \ubbf8\ub798\uc758 \uc7ac\uc815 \uc704\uae30\ub97c \uc0ac\uc804\uc5d0 \uc608\ubc29\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ud6c4 \uc139\uc158\uc5d0\uc11c\ub294 \ud604\uc7ac \uc0c1\ud669\uc5d0\uc11c \ubbf8\ub798 \ud22c\uc790\uc640 \uc800\ucd95 \uc804\ub7b5\uc744 \uc5b4\ub5bb\uac8c \ub9c8\ub828\ud560 \uac83\uc778\uc9c0\uc5d0 \ub300\ud574 \uc2ec\ub3c4 \uc788\uac8c \ub17c\uc758\ud560 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>    <\/p>\n<h2 id=\"3-%ed%88%ac%ec%9e%90%ec%99%80-%ec%a0%80%ec%b6%95-%eb%af%b8%eb%9e%98%eb%a5%bc-%ec%9c%84%ed%95%9c-%ec%9e%ac%eb%ac%b4-%ec%a0%84%eb%9e%b5-sQMdDsthEd\">3. \ud22c\uc790\uc640 \uc800\ucd95: \ubbf8\ub798\ub97c \uc704\ud55c \uc7ac\ubb34 \uc804\ub7b5<\/h2>\n<p>\ud604\ub300 \uc0ac\ud68c\uc5d0\uc11c \ub2e8\uc21c\ud55c \uc800\ucd95\ub9cc\uc73c\ub85c\ub294 \uc778\ud50c\ub808\uc774\uc158\uacfc \uc608\uce21\ud560 \uc218 \uc5c6\ub294 \uacbd\uc81c \uc704\uae30\ub97c \uadf9\ubcf5\ud558\uae30 \uc5b4\ub835\uae30 \ub54c\ubb38\uc5d0, \uacb0\ud63c \uc804 2030 \uc138\ub300\uac00 \ubc18\ub4dc\uc2dc \uace0\ub824\ud574\uc57c \ud560 \uc804\ub7b5 \uc911 \ud558\ub098\ub294 \u2018\ud22c\uc790\u2019\uc785\ub2c8\ub2e4. \ud22c\uc790\uc640 \uc800\ucd95\uc740 \uc0c1\ud638 \ubcf4\uc644\uc801\uc778 \uad00\uacc4\uc5d0 \uc788\uc73c\uba70, \uc11c\ub85c \ub2e4\ub978 \ub9ac\uc2a4\ud06c\uc640 \uc218\uc775 \uad6c\uc870\ub97c \uc774\ud574\ud558\uace0 \uc801\uc808\ud788 \ubc30\ubd84\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc774 \uc139\uc158\uc5d0\uc11c\ub294 \ucd5c\uc2e0 \ud22c\uc790 \ub3d9\ud5a5, \ub2e4\uc591\ud55c \ud22c\uc790 \uc218\ub2e8, \uadf8\ub9ac\uace0 \uc800\ucd95 \uc804\ub7b5\uc5d0 \ub300\ud55c \uc2ec\ub3c4 \uc788\ub294 \ubd84\uc11d\uacfc \uc0ac\ub840 \uc5f0\uad6c\ub97c \ud1b5\ud574 \uacb0\ud63c \uc804 \uc7ac\ubb34 \uacc4\ud68d\uc5d0 \ud22c\uc790 \uc694\uc18c\ub97c \uc5b4\ub5bb\uac8c \ubc18\uc601\ud560 \uc218 \uc788\ub294\uc9c0 \uc124\uba85\ud569\ub2c8\ub2e4.<\/p>\n<p>\uccab \ubc88\uc9f8\ub85c, \ud22c\uc790 \uc804\ub7b5\uc758 \uae30\ubcf8\uc740 \uc790\uc2e0\uc758 \uc704\ud5d8 \uac10\ub0b4 \uc218\uc900(Risk Tolerance)\uc744 \uc815\ud655\ud558\uac8c \ud30c\uc545\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. 2030 \uc138\ub300\ub294 \uc0c1\ub300\uc801\uc73c\ub85c \uc80a\uace0 \uc7a5\uae30 \ud22c\uc790\uc5d0 \uc720\ub9ac\ud55c \ud658\uacbd\uc5d0 \uc788\uc9c0\ub9cc, \uac1c\uac1c\uc778\uc758 \uc7ac\ubb34 \uc0c1\ud669\uacfc \ubaa9\ud45c\uc5d0 \ub530\ub77c \uac10\ub0b4 \uac00\ub2a5\ud55c \ub9ac\uc2a4\ud06c \uc218\uc900\uc740 \uc0c1\uc774\ud569\ub2c8\ub2e4. \uc774\ub97c \uc704\ud574 \uc804\ubb38\uac00\ub4e4\uc740 \ud22c\uc790 \uc804 \ubc18\ub4dc\uc2dc \uc7ac\ubb34 \uc0c1\ub2f4\uc774\ub098 \uc2ec\ub9ac \uac80\uc0ac\ub97c \ud1b5\ud574 \uc790\uc2e0\uc758 \uc704\ud5d8 \uac10\ub0b4 \uc815\ub3c4\ub97c \uc0ac\uc804\uc5d0 \ud3c9\uac00\ud560 \uac83\uc744 \uad8c\uc7a5\ud569\ub2c8\ub2e4. \ucd5c\uadfc \uc124\ubb38 \uc870\uc0ac\uc5d0 \ub530\ub974\uba74, \uacb0\ud63c\uc744 \uc55e\ub454 2030 \uc138\ub300 \uc911 60% \uc774\uc0c1\uc774 \ud22c\uc790\uc5d0 \ub300\ud55c \ubd88\uc548\uac10\uc744 \ub290\ub07c\uace0 \uc788\uc5c8\uc73c\uba70, \uc774 \uc911 70%\uac00 \ubcf4\ub2e4 \ubcf4\uc218\uc801\uc778 \ud22c\uc790 \uc635\uc158\uc744 \uc120\ud638\ud558\ub294 \uac83\uc73c\ub85c \ub098\ud0c0\ub0ac\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub450 \ubc88\uc9f8 \ub2e8\uacc4\ub294 \ub2e4\uc591\ud55c \ud22c\uc790 \uc0c1\ud488\uc5d0 \ub300\ud55c \uc774\ud574\uc785\ub2c8\ub2e4. \uad6d\ub0b4 \uc8fc\uc2dd \uc2dc\uc7a5, \ud574\uc678 \uc8fc\uc2dd, \ucc44\uad8c, \ubd80\ub3d9\uc0b0 \ud22c\uc790 \uc2e0\ud0c1, ETF, \uadf8\ub9ac\uace0 \uc554\ud638\ud654\ud3d0\uc5d0 \uc774\ub974\uae30\uae4c\uc9c0 \ud22c\uc790 \uc218\ub2e8\uc740 \ub9e4\uc6b0 \ub2e4\uc591\ud569\ub2c8\ub2e4. \uac01 \ud22c\uc790 \uc0c1\ud488\uc740 \uace0\uc720\uc758 \ub9ac\uc2a4\ud06c\uc640 \uc218\uc775\ub960 \ud2b9\uc131\uc744 \uac00\uc9c0\uace0 \uc788\uc73c\uba70, \uc774\ub97c \uc885\ud569\uc801\uc73c\ub85c \uace0\ub824\ud558\uc5ec \uc790\uc2e0\uc758 \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uad6c\uc131\ud574\uc57c \ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc8fc\uc2dd \ud22c\uc790\uc640 \ucc44\uad8c \ud22c\uc790\ub97c \uc801\uc808\ud788 \ubc30\ubd84\ud568\uc73c\ub85c\uc368 \ud55c\ucabd \uc2dc\uc7a5\uc758 \ubd88\ud669\uc5d0\ub3c4 \uc0c1\ub300\uc801\uc73c\ub85c \uc548\uc815\uc801\uc778 \uc218\uc775\uc744 \ucd94\uad6c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ud22c\uc790\uc640 \uc800\ucd95 \uc804\ub7b5\uc744 \uad6c\uccb4\uc801\uc73c\ub85c \uad6c\uc0c1\ud560 \ub54c, \uc804\ubb38\uac00\ub4e4\uc740 \ubcf4\ud1b5 \ub2e4\uc74c\uacfc \uac19\uc740 \uc811\uadfc \ubc29\ubc95\uc744 \uc81c\uc2dc\ud569\ub2c8\ub2e4. \uccab\uc9f8, \uc7a5\uae30\uc801 \uad00\uc810\uc5d0\uc11c \ubd84\uc0b0 \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uad6c\uc131\ud558\uc5ec \uc704\ud5d8\uc744 \ubd84\uc0b0\uc2dc\ud0a4\uace0, \ub458\uc9f8, \uc815\uae30\uc801\uc778 \ub9ac\ubc38\ub7f0\uc2f1(Rebalancing)\uc744 \ud1b5\ud574 \ud22c\uc790 \ube44\uc728\uc744 \uc870\uc815\ud558\uba70, \uc14b\uc9f8, \uc2dc\uc7a5 \ub3d9\ud5a5\uc744 \uba74\ubc00\ud788 \uad00\ucc30\ud558\uace0 \uc2dc\uae30\uc5d0 \ub9de\ub294 \uc804\ub7b5 \uc804\ud658\uc744 \uace0\ub824\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \uc2e4\uc81c \uc0ac\ub840\ub85c, \ud55c 2030 \uc138\ub300 \ubd80\ubd80\ub294 \ucd08\uae30 \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc5d0 \uc8fc\uc2dd 50%, \ucc44\uad8c 30%, \ubd80\ub3d9\uc0b0 \ud22c\uc790 10%, \uadf8\ub9ac\uace0 \ub300\uccb4 \ud22c\uc790 10%\uc758 \ubc30\ubd84\uc744 \ud1b5\ud574 5\ub144 \ub0b4\uc5d0 \ud3c9\uade0 8% \uc774\uc0c1\uc758 \uc5f0\uac04 \uc218\uc775\ub960\uc744 \ub2ec\uc131\ud55c \ubc14 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c, \ud22c\uc790\uc640 \uc800\ucd95\uc744 \ub3d9\uc2dc\uc5d0 \uace0\ub824\ud560 \uacbd\uc6b0, \ub2e8\uae30 \uae08\uc735 \ubaa9\ud45c\uc640 \uc7a5\uae30 \ubaa9\ud45c\ub97c \uba85\ud655\ud788 \uad6c\ubd84\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \ub2e8\uae30 \ubaa9\ud45c\uc5d0\ub294 \ube44\uc0c1\uae08 \ub9c8\ub828\uacfc \uacb0\ud63c \uc900\ube44 \ube44\uc6a9 \ub4f1\uc774 \ud3ec\ud568\ub418\uba70, \uc7a5\uae30 \ubaa9\ud45c\uc5d0\ub294 \uc790\uc0b0 \uc99d\uc2dd, \uc740\ud1f4 \uc900\ube44, \uc790\ub140 \uad50\uc721\ube44 \ub4f1\uc774 \ud574\ub2f9\ub429\ub2c8\ub2e4. \uc774\ub97c \uc704\ud574 \ub9ce\uc740 \uc804\ubb38\uac00\ub4e4\uc740 \u201850\/30\/20\u2019 \uc608\uc0b0\ubc95\uc744 \uc751\uc6a9\ud558\uc5ec, \uc804\uccb4 \uc18c\ub4dd \uc911 50%\ub294 \ud544\uc218 \uc0dd\ud65c\ube44, 30%\ub294 \uc790\uc720 \uc18c\ube44 \ubc0f \ud22c\uc790, 20%\ub294 \uc800\ucd95 \ubc0f \ube44\uc0c1\uae08\uc73c\ub85c \ubc30\ubd84\ud560 \uac83\uc744 \uc81c\uc548\ud569\ub2c8\ub2e4.<\/p>\n<p>\ucd5c\uadfc \uae08\uc735 \uc2dc\uc7a5 \ub3d9\ud5a5\uc744 \ubcf4\uba74, \ucf54\ub85c\ub09819 \uc774\ud6c4 \ub514\uc9c0\ud138 \uae08\uc735\uacfc \ube44\ub300\uba74 \ud22c\uc790 \ud50c\ub7ab\ud3fc\uc774 \uae09\uc18d\ub3c4\ub85c \uc131\uc7a5\ud568\uc5d0 \ub530\ub77c, 2030 \uc138\ub300\uc5d0\uac8c\ub3c4 \ubcf4\ub2e4 \uc190\uc27d\uac8c \ud22c\uc790\ud560 \uc218 \uc788\ub294 \ud658\uacbd\uc774 \uc870\uc131\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788, \ubaa8\ubc14\uc77c \uc571 \uae30\ubc18\uc758 \uc99d\uad8c \uac70\ub798\uc640 \ub85c\ubcf4\uc5b4\ub4dc\ubc14\uc774\uc800 \uc11c\ube44\uc2a4\ub294 \uc804\ubb38 \ud22c\uc790\uc790\uc758 \ub3c4\uc6c0 \uc5c6\uc774\ub3c4 \uc790\uc2e0\uc758 \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uccb4\uacc4\uc801\uc73c\ub85c \uad00\ub9ac\ud560 \uc218 \uc788\ub3c4\ub85d \ub3c4\uc640\uc8fc\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\uc5d0 \ub530\ub77c, \ud22c\uc790 \ubb38\ud131\uc774 \ub0ae\uc544\uc84c\uc73c\uba70, \ub2e4\uc591\ud55c \ud22c\uc790 \uc635\uc158\uc774 \ub4f1\uc7a5\ud568\uc5d0 \ub530\ub77c \ud22c\uc790 \uc131\uacf5 \uc0ac\ub840\ub4e4\uc774 \uae09\uc99d\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ud22c\uc790 \uc804\ub7b5 \uc218\ub9bd \uacfc\uc815\uc5d0\uc11c\ub294 \ub370\uc774\ud130 \ubd84\uc11d \ub610\ud55c \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \ucd5c\uadfc\uc5d0\ub294 \ud30c\uc774\uc36c(Python)\uacfc \uac19\uc740 \ud504\ub85c\uadf8\ub798\ubc0d \uc5b8\uc5b4\ub97c \ud65c\uc6a9\ud55c \uae30\ucd08\uc801\uc778 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ubd84\uc11d \ub3c4\uad6c\uac00 \uac01\uad11\ubc1b\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc544\ub798\ub294 \ub2e8\uc21c\ud55c \uc8fc\uc2dd \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc758 \uc218\uc775\ub960\uc744 \uacc4\uc0b0\ud558\ub294 \uc608\uc81c \ucf54\ub4dc\uc785\ub2c8\ub2e4.<\/p>\n<pre><code>import numpy as np\n\n# \uac00\uc0c1\uc758 \uc8fc\uc2dd \uc218\uc775\ub960 \ub370\uc774\ud130 (\uc5f0\uac04 \uc218\uc775\ub960)\nreturns = np.array([0.08, 0.12, -0.03, 0.05])\n# \ud22c\uc790 \ube44\uc911\nweights = np.array([0.3, 0.4, 0.2, 0.1])\n# \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uae30\ub300 \uc218\uc775\ub960 \uacc4\uc0b0\nexpected_return = np.dot(returns, weights)\nprint(\"\ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uae30\ub300 \uc218\uc775\ub960:\", round(expected_return * 100, 2), \"%\")<\/code><\/pre>\n<\/p>\n<p>\uc704\uc758 \ucf54\ub4dc \uc608\uc81c\ub294 \uac04\ub2e8\ud55c \ubc29\uc2dd\uc73c\ub85c \uc8fc\uc2dd \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc758 \uae30\ub300 \uc218\uc775\ub960\uc744 \uacc4\uc0b0\ud558\ub294 \ubc29\ubc95\uc744 \ubcf4\uc5ec\uc8fc\uba70, 2030 \uc138\ub300\uac00 \uc790\uc2e0\ub9cc\uc758 \ud22c\uc790 \uc804\ub7b5\uc744 \uc138\uc6b0\ub294 \ub370 \uc788\uc5b4 \uae30\ucd08\uc801\uc778 \ubd84\uc11d \ub3c4\uad6c\ub85c \ud65c\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \ubcf5\uc7a1\ud55c \uae08\uc735 \ub370\uc774\ud130\uc640 \ub2e4\uc591\ud55c \ud22c\uc790 \uc0c1\ud488\uc744 \ubcf4\ub2e4 \uc774\ud574\ud558\uae30 \uc27d\uac8c \uc815\ub9ac\ud560 \uc218 \uc788\uc73c\uba70, \uc2e4\uc81c \ud22c\uc790 \uacb0\uc815\uc5d0 \ub3c4\uc6c0\uc744 \uc904 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub610 \ub2e4\ub978 \uc911\uc694\ud55c \uc694\uc18c\ub294 \uc815\uae30\uc801\uc778 \uc800\ucd95 \uc2b5\uad00\uc758 \ud615\uc131\uc785\ub2c8\ub2e4. \ud22c\uc790\uc640 \uc800\ucd95\uc740 \ubd84\ub9ac\ub41c \uac1c\ub150\uc774 \uc544\ub2c8\ub77c, \uc0c1\ud638 \ubcf4\uc644\uc801\uc778 \uc7ac\ubb34 \uc804\ub7b5\uc73c\ub85c, \uc800\ucd95\uc744 \ud1b5\ud574 \uc548\uc815\uc801\uc778 \uae08\uc735 \uae30\ubc18\uc744 \ub9c8\ub828\ud55c \ud6c4, \uc5ec\uc720 \uc790\uae08\uc744 \ud22c\uc790\uc5d0 \ud65c\uc6a9\ud558\ub294 \uad6c\uc870\uac00 \uc774\uc0c1\uc801\uc785\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ub9e4\ub2ec \uc18c\ub4dd\uc758 \uc77c\uc815 \ubd80\ubd84\uc744 \uc790\ub3d9\uc774\uccb4\ub97c \ud1b5\ud574 \uafb8\uc900\ud788 \uc800\ucd95\ud558\uace0, \uc794\uc5ec \uc790\uae08\uc744 \ubd84\uc0b0 \ud22c\uc790\ud558\ub294 \ubc29\uc2dd\uc740 \uc7ac\ubb34 \uc548\uc815\uc131\uacfc \uc790\uc0b0 \uc99d\ub300\ub97c \ub3d9\uc2dc\uc5d0 \ub2ec\uc131\ud560 \uc218 \uc788\ub294 \ud6a8\uacfc\uc801\uc778 \ubc29\ubc95\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc2e4\uc81c\ub85c, \uad6d\ub0b4\uc758 \uc5ec\ub7ec \uc7ac\ubb34 \uc804\ubb38\uac00\ub4e4\uc740 \uacb0\ud63c \uc804 \uc800\ucd95\uacfc \ud22c\uc790\ub97c \ubcd1\ud589\ud55c \ubd80\ubd80\ub4e4\uc758 \uc7ac\ubb34 \uc548\uc815\uc131\uc774 \uacb0\ud63c \ud6c4\uc5d0\ub3c4 \ub192\uc740 \uc218\uc900\uc744 \uc720\uc9c0\ud558\uace0 \uc788\ub2e4\uace0 \ubd84\uc11d\ud569\ub2c8\ub2e4. \ub610\ud55c, \ud1b5\uacc4 \uc790\ub8cc\uc5d0 \ub530\ub974\uba74, \uccb4\uacc4\uc801\uc778 \ud22c\uc790\uc640 \uc800\ucd95 \uacc4\ud68d\uc744 \uc218\ub9bd\ud55c \uac00\uad6c\ub294 \uadf8\ub807\uc9c0 \uc54a\uc740 \uac00\uad6c\uc5d0 \ube44\ud574 \ud3c9\uade0 20% \uc774\uc0c1\uc758 \ubd80\uc758 \uc99d\ub300\ub97c \uc774\ub8e8\ub294 \uac83\uc73c\ub85c \ub098\ud0c0\ub0ac\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uacb0\ud63c \uc804\ubd80\ud130 \uafb8\uc900\ud55c \uc7ac\ubb34 \uad00\ub9ac\ub97c \ud1b5\ud574 \ubbf8\ub798\uc5d0 \ub300\ube44\ud558\ub294 \uac83\uc774 \uc5bc\ub9c8\ub098 \uc911\uc694\ud55c\uc9c0\ub97c \ubcf4\uc5ec\uc90d\ub2c8\ub2e4.<\/p>\n<p>\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \ud22c\uc790\uc640 \uc800\ucd95 \uc804\ub7b5\uc740 \uacb0\ud63c \uc804 \ub2e8\uae30\uc801 \uc900\ube44\ubfd0 \uc544\ub2c8\ub77c \uacb0\ud63c \ud6c4 \uac00\uc815 \uacbd\uc81c\uc758 \uac74\uac15\ud55c \ubc1c\uc804\uc744 \uc704\ud55c \ubc11\uac70\ub984\uc774 \ub429\ub2c8\ub2e4. \uc7ac\ubb34 \uc804\ubb38\uac00\ub4e4\uc740 \uacb0\ud63c \uc804 \ud22c\uc790\uc640 \uc800\ucd95 \uc804\ub7b5\uc744 \uc218\ub9bd\ud560 \ub54c, \ub2e8\uc21c\ud55c \uc218\uc775\ub960\ubfd0 \uc544\ub2c8\ub77c \ub9ac\uc2a4\ud06c \uad00\ub9ac\uc640 \uc7a5\uae30 \ubaa9\ud45c \ub2ec\uc131\uc744 \ud568\uaed8 \uace0\ub824\ud560 \uac83\uc744 \uad8c\uace0\ud569\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \uacb0\ud63c \ud6c4 \uc608\uae30\uce58 \ubabb\ud55c \uacbd\uc81c\uc801 \uc5b4\ub824\uc6c0\uc5d0\ub3c4 \ud0c4\ub825\uc801\uc73c\ub85c \ub300\ucc98\ud560 \uc218 \uc788\uc73c\uba70, \uac00\uc815\uc758 \uc7ac\ubb34 \uac74\uc804\uc131\uc744 \uc7a5\uae30\uac04 \uc720\uc9c0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc885\ud569\uc801\uc73c\ub85c, \ud22c\uc790\uc640 \uc800\ucd95\uc740 \uacb0\ud63c \uc804 \uc7ac\ubb34 \uc900\ube44\uc5d0\uc11c \ube7c\ub193\uc744 \uc218 \uc5c6\ub294 \uc804\ub7b5\uc801 \uc694\uc18c\uc785\ub2c8\ub2e4. \uc790\uc2e0\uc758 \uc704\ud5d8 \uac10\ub0b4 \uc815\ub3c4\ub97c \uc62c\ubc14\ub974\uac8c \ud310\ub2e8\ud558\uace0, \ub2e4\uc591\ud55c \ud22c\uc790 \uc218\ub2e8\uc744 \uc774\ud574\ud558\uba70, \uafb8\uc900\ud55c \uc800\ucd95 \uc2b5\uad00\uc744 \ud1b5\ud574 \ubbf8\ub798\uc758 \ubd88\ud655\uc2e4\uc131\uc5d0 \ub300\ube44\ud558\ub294 \uac83\uc774 \ud575\uc2ec\uc785\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc804\ub7b5\ub4e4\uc740 \uacb0\ud63c \ud6c4\uc5d0\ub3c4 \uc548\uc815\uc801\uc778 \uacbd\uc81c \uae30\ubc18\uc744 \ub9c8\ub828\ud574 \uc8fc\ub294 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud558\uac8c \ub429\ub2c8\ub2e4. \ub2e4\uc74c \uc139\uc158\uc5d0\uc11c\ub294 \uc7a5\uae30 \uc7ac\ubb34 \ubaa9\ud45c\ub97c \uc704\ud55c \uacc4\ud68d \uc218\ub9bd\uacfc \ubcf4\ud5d8, \uc138\ubb34 \ubc0f \ud1f4\uc9c1 \uc900\ube44\uc640 \uad00\ub828\ub41c \uc804\ub7b5\uc5d0 \ub300\ud574 \uc2ec\ub3c4 \uc788\uac8c \ub17c\uc758\ud569\ub2c8\ub2e4.<\/p>\n<p>    <\/p>\n<h2 id=\"4-%ec%9e%a5%ea%b8%b0-%ec%9e%ac%eb%ac%b4-%ea%b3%84%ed%9a%8d-%eb%b3%b4%ed%97%98-%ec%84%b8%eb%ac%b4-%eb%b0%8f-%ed%87%b4%ec%a7%81-%ec%a4%80%eb%b9%84-sQMdDsthEd\">4. \uc7a5\uae30 \uc7ac\ubb34 \uacc4\ud68d, \ubcf4\ud5d8, \uc138\ubb34 \ubc0f \ud1f4\uc9c1 \uc900\ube44<\/h2>\n<p>\uacb0\ud63c \uc804 \uc7ac\ubb34 \uc900\ube44\uc5d0 \uc788\uc5b4 \ub2e8\uae30\uc801\uc778 \uc608\uc0b0 \uad00\ub9ac\uc640 \ud22c\uc790 \uc804\ub7b5 \uc678\uc5d0\ub3c4, \uc7a5\uae30\uc801\uc778 \uc7ac\ubb34 \uacc4\ud68d \uc218\ub9bd\uc740 \ub9e4\uc6b0 \uc911\uc694\ud55c \ubd80\ubd84\uc785\ub2c8\ub2e4. \uc7a5\uae30 \uc7ac\ubb34 \uacc4\ud68d\uc740 \uacb0\ud63c \ud6c4 \uac00\uc871\uc758 \uc548\uc815\uc801\uc778 \uc0dd\ud65c, \uc790\ub140 \uad50\uc721, \uc8fc\ud0dd \ub9c8\ub828, \uc740\ud1f4 \uc900\ube44 \ub4f1 \ub2e4\uc591\ud55c \ubbf8\ub798\uc758 \ub9ac\uc2a4\ud06c\uc5d0 \ub300\ube44\ud558\ub294 \ub370 \uae30\uc5ec\ud569\ub2c8\ub2e4. \uc774 \uc139\uc158\uc5d0\uc11c\ub294 \uc7a5\uae30\uc801\uc778 \uad00\uc810\uc5d0\uc11c \ud544\uc694\ud55c \uc7ac\ubb34 \uacc4\ud68d \uc218\ub9bd \ubc29\ubc95, \ubcf4\ud5d8 \uac00\uc785\uc758 \uc911\uc694\uc131, \ud6a8\uc728\uc801\uc778 \uc138\ubb34 \uc804\ub7b5, \uadf8\ub9ac\uace0 \ud1f4\uc9c1 \uc900\ube44\uc5d0 \ub300\ud574 \uc2ec\ub3c4 \uc788\ub294 \ubd84\uc11d\uc744 \uc81c\uacf5\ud558\uace0\uc790 \ud569\ub2c8\ub2e4.<\/p>\n<p>\uccab \ubc88\uc9f8\ub85c, \uc7a5\uae30 \uc7ac\ubb34 \uacc4\ud68d \uc218\ub9bd\uc758 \ud575\uc2ec\uc740 \ubbf8\ub798 \ubaa9\ud45c\uc5d0 \ub300\ud55c \uba85\ud655\ud55c \uc815\uc758\uc640 \uad6c\uccb4\uc801\uc778 \uc2e4\ud589 \uacc4\ud68d \uc218\ub9bd\uc785\ub2c8\ub2e4. \uacb0\ud63c \ud6c4\uc5d0\ub294 \ubd80\ubd80\uc758 \uacbd\uc81c \uc0c1\ud669\uc774 \uae09\uaca9\ud788 \ubcc0\ud654\ud560 \uac00\ub2a5\uc131\uc774 \uc788\uc73c\uba70, \uc774\uc5d0 \ub530\ub77c \uc7ac\ubb34 \ubaa9\ud45c \uc5ed\uc2dc \uc720\ub3d9\uc801\uc77c \uc218\ubc16\uc5d0 \uc5c6\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c, \uc7a5\uae30\uc801\uc778 \ubaa9\ud45c\ub97c \uc124\uc815\ud560 \ub54c\ub294 \ud604\uc2e4\uc801\uc778 \uc7ac\ubb34 \uc0c1\ud669\uacfc \ubbf8\ub798\uc758 \uc0dd\ud65c \ud328\ud134\uc744 \ucda9\ubd84\ud788 \uace0\ub824\ud574\uc57c \ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc790\ub140 \uad50\uc721\ube44, \uc8fc\ud0dd \uad6c\uc785 \uc790\uae08, \uc740\ud1f4 \uc790\uae08 \ub4f1\uc740 \uac01\uac01 \ub2e4\ub978 \uc2dc\uae30\uc5d0 \uc11c\ub85c \ub2e4\ub978 \uaddc\ubaa8\ub85c \ud544\uc694\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub97c \uace0\ub824\ud558\uc5ec \uc7ac\ubb34 \uacc4\ud68d\uc744 \uc218\ub9bd\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p>\ub450 \ubc88\uc9f8\ub85c, \ubcf4\ud5d8\uc740 \uc7a5\uae30 \uc7ac\ubb34 \uacc4\ud68d\uc758 \uc548\uc804\ub9dd \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \uacb0\ud63c \uc804\ubd80\ud130 \uac74\uac15\ubcf4\ud5d8, \uc0dd\uba85\ubcf4\ud5d8, \uc2e4\uc190\ubcf4\ud5d8 \ub4f1 \ub2e4\uc591\ud55c \ubcf4\ud5d8 \uc0c1\ud488\uc744 \uac80\ud1a0\ud558\uace0 \uac00\uc785\ud558\ub294 \uac83\uc740 \ub9cc\uc77c\uc758 \uc0ac\uace0\ub098 \uc9c8\ubcd1\uc5d0 \ub300\ube44\ud558\ub294 \uc911\uc694\ud55c \uc218\ub2e8\uc785\ub2c8\ub2e4. \ucd5c\uadfc \ubcf4\ud5d8 \uc5c5\uacc4\uc5d0\uc11c\ub294 2030 \uc138\ub300\ub97c \uc704\ud55c \ub9de\ucda4\ud615 \uc0c1\ud488\uacfc \ub2e4\uc591\ud55c \ub514\uc9c0\ud138 \ucc44\ub110\uc744 \ud65c\uc6a9\ud55c \uac00\uc785 \uc808\ucc28\ub97c \uc81c\uacf5\ud558\uace0 \uc788\uc5b4, \ubcf4\ub2e4 \uc27d\uac8c \uc811\uadfc\ud560 \uc218 \uc788\uac8c \ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c \uc0ac\ub840\ub85c, \uacb0\ud63c \uc804\uc5d0 \ucda9\ubd84\ud55c \ubcf4\ud5d8 \uac00\uc785\uc73c\ub85c \uac11\uc791\uc2a4\ub7ec\uc6b4 \uc758\ub8cc\ube44 \ubd80\ub2f4\uc744 \ud574\uc18c\ud55c \ubd80\ubd80\ub4e4\uc758 \uc0ac\ub840\uac00 \ub2e4\uc218 \ubcf4\uace0\ub418\uc5c8\uc73c\uba70, \uc774\ub4e4\uc740 \uacb0\ud63c \ud6c4\uc5d0\ub3c4 \uacbd\uc81c\uc801 \uc548\uc815\uc131\uc744 \uc720\uc9c0\ud560 \uc218 \uc788\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc138 \ubc88\uc9f8\ub85c, \ud6a8\uacfc\uc801\uc778 \uc138\ubb34 \uad00\ub9ac\uc640 \uc808\uc138 \uc804\ub7b5\uc740 \uc7a5\uae30 \uc7ac\ubb34 \uacc4\ud68d\uc5d0\uc11c \ube7c\ub193\uc744 \uc218 \uc5c6\ub294 \uc911\uc694\ud55c \uc694\uc18c\uc785\ub2c8\ub2e4. \uc138\uae08\uc740 \uc18c\ub4dd\ubfd0\ub9cc \uc544\ub2c8\ub77c \uc7ac\uc0b0 \uad00\ub9ac\uc5d0 \uc788\uc5b4\uc11c\ub3c4 \ud070 \uc601\ud5a5\uc744 \ubbf8\uce58\uae30 \ub54c\ubb38\uc5d0, \uc774\ub97c \ud6a8\uc728\uc801\uc73c\ub85c \uad00\ub9ac\ud558\uace0 \uc808\uc138\ud560 \uc218 \uc788\ub294 \ubc29\ubc95\uc744 \ubbf8\ub9ac \ubaa8\uc0c9\ud558\ub294 \uac83\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc5f0\ub9d0\uc815\uc0b0, \ud22c\uc790 \uc218\uc775\uc5d0 \ub300\ud55c \uc138\uae08, \ubd80\ub3d9\uc0b0 \uad00\ub828 \uc138\uae08 \ub4f1 \ub2e4\uc591\ud55c \uc138\uae08 \ud56d\ubaa9\uc744 \ubbf8\ub9ac \ud30c\uc545\ud558\uace0 \uc804\ubb38\uac00\uc640 \uc0c1\ub2f4\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c \uc870\uc0ac \uacb0\uacfc, \uc138\ubb34 \uad00\ub9ac\ub97c \uccb4\uacc4\uc801\uc73c\ub85c \uc2e4\uc2dc\ud55c \uac00\uad6c\ub294 \uadf8\ub807\uc9c0 \uc54a\uc740 \uac00\uad6c\uc5d0 \ube44\ud574 \ud3c9\uade0 15% \uc774\uc0c1\uc758 \uc138\uae08 \uc808\uac10 \ud6a8\uacfc\ub97c \ub204\ub9b4 \uc218 \uc788\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub124 \ubc88\uc9f8\ub85c, \ud1f4\uc9c1 \uc900\ube44 \uc5ed\uc2dc \uc7a5\uae30 \uc7ac\ubb34 \uacc4\ud68d\uc5d0\uc11c \uc911\uc694\ud55c \ube44\uc911\uc744 \ucc28\uc9c0\ud569\ub2c8\ub2e4. \uacb0\ud63c \uc804\ubd80\ud130 \ud1f4\uc9c1 \uc5f0\uae08, \uac1c\uc778\uc5f0\uae08 \ub4f1\uc758 \uc900\ube44\ub97c \ud1b5\ud558\uc5ec \uc7a5\uae30\uac04\uc758 \uc548\uc815\uc801\uc778 \ub178\ud6c4 \uc0dd\ud65c \uae30\ubc18\uc744 \ub9c8\ub828\ud558\ub294 \uac83\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \ucd5c\uadfc \ubcc0\ud654\ud558\ub294 \uc0ac\ud68c \ubcf4\uc7a5 \uccb4\uacc4\uc640 \uacbd\uc81c \ud658\uacbd \uc18d\uc5d0\uc11c, \uae30\uc874\uc758 \uad6d\ubbfc\uc5f0\uae08 \ub9cc\uc73c\ub85c\ub294 \ucda9\ubd84\uce58 \uc54a\ub2e4\ub294 \ubd84\uc11d\uc774 \uc9c0\ubc30\uc801\uc785\ub2c8\ub2e4. \ub530\ub77c\uc11c, \ubcc4\ub3c4\uc758 \uac1c\uc778\uc5f0\uae08 \uc0c1\ud488 \uac00\uc785\uc774\ub098 IRP(Individual Retirement Pension) \uacc4\uc88c \uac1c\uc124 \ub4f1 \ud1f4\uc9c1 \uc900\ube44\uc5d0 \ub300\ud55c \uc0ac\uc804 \uc870\uce58\uac00 \uc694\uad6c\ub429\ub2c8\ub2e4. \ud55c \uc5f0\uad6c\uc5d0\uc11c\ub294 \uccb4\uacc4\uc801\uc778 \ud1f4\uc9c1 \uc900\ube44\ub97c \uc2e4\uc2dc\ud55c \uac1c\uc778\ub4e4\uc774 \uadf8\ub807\uc9c0 \uc54a\uc740 \uacbd\uc6b0\ubcf4\ub2e4 \ubbf8\ub798 \uc0dd\ud65c \ub9cc\uc871\ub3c4\uac00 25% \uc774\uc0c1 \ub192\uac8c \ub098\ud0c0\ub0ac\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c, \uc7a5\uae30 \uc7ac\ubb34 \uacc4\ud68d\uc5d0\uc11c\ub294 \uae08\uc735 \uc790\uc0b0\uc758 \ub2e4\ubcc0\ud654\uc640 \uc8fc\uae30\uc801\uc778 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc810\uac80\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \uacb0\ud63c \ud6c4 \uac00\uc815\uc758 \uc7ac\ubb34 \uc0c1\ud669\uc740 \uc2dc\uac04\uc774 \uc9c0\ub0a8\uc5d0 \ub530\ub77c \ubcc0\ub3d9\uc774 \ubc1c\uc0dd\ud558\uae30 \ub54c\ubb38\uc5d0, \uc815\uae30\uc801\uc73c\ub85c \uc7ac\ubb34 \uc0c1\ud669\uc744 \uc810\uac80\ud558\uace0 \ud544\uc694\ud55c \uacbd\uc6b0 \ud22c\uc790 \ube44\uc911\uc774\ub098 \ubcf4\ud5d8 \uac00\uc785 \ub0b4\uc6a9 \ub4f1\uc744 \uc7ac\uc870\uc815\ud574\uc57c \ud569\ub2c8\ub2e4. \uc804\ubb38\uac00\ub4e4\uc740 1~2\ub144\uc5d0 \ud55c \ubc88\uc529 \uc804\uccb4 \uc7ac\ubb34 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uc7ac\uac80\ud1a0\ud560 \uac83\uc744 \uad8c\uc7a5\ud569\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \uc2dc\uc7a5 \uc0c1\ud669 \ubcc0\ud654\uc5d0 \ub530\ub978 \uc704\ud5d8\uc744 \ucd5c\uc18c\ud654\ud558\uace0, \uc7a5\uae30 \ubaa9\ud45c\ub97c \uc548\uc815\uc801\uc73c\ub85c \ub2ec\uc131\ud560 \uc218 \uc788\uac8c \ub429\ub2c8\ub2e4.<\/p>\n<p>\ub354\ubd88\uc5b4, \ubcf4\ud5d8 \ubc0f \uc138\ubb34, \uadf8\ub9ac\uace0 \ud1f4\uc9c1 \uc900\ube44\uc5d0 \uad00\ud55c \uc885\ud569\uc801\uc778 \uc7ac\ubb34 \uacc4\ud68d \uc218\ub9bd\uc740 \ubd80\ubd80 \uac04\uc758 \uae34\ubc00\ud55c \ud611\ub825\uacfc \uc18c\ud1b5\uc744 \ud544\uc694\ub85c \ud569\ub2c8\ub2e4. \uacb0\ud63c \uc804\ubd80\ud130 \uac01\uc790\uc758 \uc7ac\ubb34 \ubaa9\ud45c\uc640 \ubbf8\ub798 \uacc4\ud68d\uc744 \uc0c1\ud638 \uacf5\uc720\ud558\uace0, \ud604\uc2e4\uc801\uc778 \uc2e4\ud589 \ubc29\uc548\uc744 \ud568\uaed8 \ub17c\uc758\ud558\ub294 \uacfc\uc815\uc740 \uacb0\ud63c \ud6c4 \uc7ac\ubb34 \ud63c\ub780\uc744 \uc608\ubc29\ud558\ub294 \ub370 \ud070 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4. \uc2e4\uc81c \uc0ac\ub840\ub97c \ubcf4\uba74, \uacb0\ud63c \uc804 \uc7ac\ubb34 \uc0c1\ub2f4\uc744 \ud1b5\ud574 \uc11c\ub85c\uc758 \uacc4\ud68d\uc744 \uacf5\uc720\ud55c \ubd80\ubd80\ub4e4\uc740 \uacb0\ud63c \ud6c4\uc5d0\ub3c4 \ud070 \uc7ac\uc815\uc801 \uc5b4\ub824\uc6c0 \uc5c6\uc774 \uc6d0\ud65c\ud55c \uc7ac\ubb34 \uc6b4\uc6a9\uc774 \uac00\ub2a5\ud588\ub358 \uac83\uc73c\ub85c \ub098\ud0c0\ub0ac\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c, \ucd5c\uadfc\uc5d0\ub294 \ub514\uc9c0\ud138 \uae08\uc735 \uc11c\ube44\uc2a4\uc758 \ubc1c\ub2ec\ub85c \uc804\ubb38\uac00\ub4e4\uc758 \uc7ac\ubb34 \ucee8\uc124\ud305\uc744 \ubcf4\ub2e4 \uc27d\uac8c \ubc1b\uc744 \uc218 \uc788\uac8c \ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uc5ec\ub7ec \uae08\uc735 \ud50c\ub7ab\ud3fc\uc5d0\uc11c\ub294 \uc628\ub77c\uc778 \uc0c1\ub2f4, \ub9de\ucda4\ud615 \uc7ac\ubb34 \uc9c4\ub2e8, \uadf8\ub9ac\uace0 \uc7ac\ubb34 \uacc4\ud68d \uc6cc\ud06c\uc20d \ub4f1\uc744 \uc81c\uacf5\ud558\uace0 \uc788\uc73c\uba70, \uc774\ub97c \ud1b5\ud574 2030 \uc138\ub300\uac00 \ubcf4\ub2e4 \uc27d\uac8c \uc7a5\uae30 \uc7ac\ubb34 \uacc4\ud68d\uc744 \uc218\ub9bd\ud560 \uc218 \uc788\ub3c4\ub85d \uc9c0\uc6d0\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc885\ud569\uc801\uc778 \uc811\uadfc \ubc29\uc2dd\uc740 \ub2e8\uae30\uc801 \uc7ac\ubb34 \uad00\ub9ac\ubfd0 \uc544\ub2c8\ub77c \uc7a5\uae30\uc801\uc778 \uc548\uc804\ub9dd \uad6c\ucd95\uc5d0 \uc788\uc5b4\uc11c\ub3c4 \ud070 \ud6a8\uacfc\ub97c \ubc1c\ud718\ud569\ub2c8\ub2e4.<\/p>\n<p>\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \uc7a5\uae30 \uc7ac\ubb34 \uacc4\ud68d\uc758 \uc131\uacf5\uc801\uc778 \uc2e4\ud589\uc744 \uc704\ud574\uc11c\ub294 \uad6c\uccb4\uc801\uc778 \ubaa9\ud45c\uc640 \uc2e4\ucc9c \ubc29\uc548\uc744 \ud558\ub098\ud558\ub098 \uc138\ubd80\uc801\uc73c\ub85c \uae30\ub85d\ud558\uace0 \uad00\ub9ac\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc7ac\ubb34 \uacc4\ud68d\ud45c, \ubcf4\ud5d8 \uac00\uc785 \ub0b4\uc5ed, \ud1f4\uc9c1 \uc900\ube44 \ud604\ud669 \ub4f1\uc744 \ubb38\uc11c\ud654\ud568\uc73c\ub85c\uc368, \ubbf8\ub798\uc758 \uc7ac\ubb34 \ubaa9\ud45c \ub2ec\uc131\ub3c4\ub97c \uc9c0\uc18d\uc801\uc73c\ub85c \ud3c9\uac00\ud558\uace0 \ubcf4\uc644\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc2dc\uc2a4\ud15c\uc801 \uad00\ub9ac\ub294 \uc608\uc0c1 \ubc16\uc758 \uc7ac\uc815 \uc704\uae30\uc5d0 \uc2e0\uc18d\ud558\uac8c \ub300\uc751\ud560 \uc218 \uc788\ub294 \uae30\ubc18\uc744 \ub9c8\ub828\ud574 \uc8fc\uba70, \uacb0\ud63c \ud6c4 \uc548\uc815\uc801\uc778 \uac00\uc815 \uacbd\uc81c \uc6b4\uc601\uc758 \uc911\uc694\ud55c \uc694\uc18c\uac00 \ub429\ub2c8\ub2e4.<\/p>\n<p>\uc885\ud569\ud558\uba74, \uc7a5\uae30 \uc7ac\ubb34 \uacc4\ud68d, \ubcf4\ud5d8, \uc138\ubb34 \ubc0f \ud1f4\uc9c1 \uc900\ube44\ub294 \uacb0\ud63c \uc804 \uaf2d \uc900\ube44\ud574\uc57c \ud560 \uc911\uc694\ud55c \uc7ac\ubb34 \uad00\ub9ac \uc804\ub7b5\uc785\ub2c8\ub2e4. \uc7a5\uae30\uc801\uc778 \uc7ac\ubb34 \ubaa9\ud45c\ub97c \uba85\ud655\ud788 \ud558\uace0, \uc774\ub97c \uc2e4\ud604\ud558\uae30 \uc704\ud55c \uad6c\uccb4\uc801\uc778 \uc2e4\ud589 \uacc4\ud68d\uc744 \uc218\ub9bd\ud558\uba70, \uc8fc\uae30\uc801\uc778 \uc810\uac80\uacfc \uc870\uc815 \uacfc\uc815\uc744 \ud1b5\ud574 \ubbf8\ub798\uc758 \ubd88\ud655\uc2e4\uc131\uc5d0 \ub300\ube44\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc900\ube44 \uacfc\uc815\uc740 \uacb0\ud63c \ud6c4\uc5d0\ub3c4 \uc548\uc815\uc801\uc778 \uc7ac\ubb34 \uc0c1\ud0dc\ub97c \uc720\uc9c0\ud558\uace0, \uac00\uc871 \uad6c\uc131\uc6d0 \ubaa8\ub450\uc758 \uc0dd\ud65c \ub9cc\uc871\ub3c4\ub97c \ub192\uc774\ub294 \uae30\ubc18\uc774 \ub429\ub2c8\ub2e4.<\/p>\n<p>\uc694\uc57d\ud558\uc790\uba74, \uacb0\ud63c \uc804 2030 \uc138\ub300\ub294 \uc7ac\ubb34 \uc0c1\ud0dc \uc810\uac80\ubd80\ud130 \uc608\uc0b0 \uad00\ub9ac, \ud22c\uc790 \ubc0f \uc800\ucd95 \uc804\ub7b5, \uadf8\ub9ac\uace0 \uc7a5\uae30 \uc7ac\ubb34 \uacc4\ud68d\uc5d0 \uc774\ub974\uae30\uae4c\uc9c0 \uccb4\uacc4\uc801\uc778 \uc900\ube44\uac00 \ud544\uc218\uc785\ub2c8\ub2e4. \uac01 \ub2e8\uacc4\uc5d0\uc11c \uad6c\uccb4\uc801\uc774\uace0 \ud604\uc2e4\uc801\uc778 \ubaa9\ud45c\ub97c \uc124\uc815\ud558\uace0 \uc804\ubb38\uac00\uc758 \uc870\uc5b8\uc744 \ud1a0\ub300\ub85c \ub9de\ucda4\ud615 \uc804\ub7b5\uc744 \uc218\ub9bd\ud568\uc73c\ub85c\uc368, \uacb0\ud63c \ud6c4\uc5d0\ub3c4 \ub192\uc740 \uc7ac\ubb34 \uc548\uc815\uc131\uacfc \uc0dd\ud65c \ub9cc\uc871\ub3c4\ub97c \uc720\uc9c0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc811\uadfc \ubc29\uc2dd\uc740 \ub2e8\uc21c\ud55c \uc22b\uc790\uc0c1\uc758 \uc808\uc57d\uc744 \ub118\uc5b4\uc11c, \ubd80\ubd80\uac04\uc758 \uc2e0\ub8b0\uc640 \ud611\ub825\uc744 \uae30\ubc18\uc73c\ub85c \ud55c \uac74\uac15\ud55c \uac00\uc815 \uacbd\uc81c\ub97c \uad6c\ucd95\ud558\ub294 \ub370 \uacb0\uc815\uc801\uc778 \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4.<\/p>\n<p>    <\/p>\n<h2 id=\"%ea%b2%b0%eb%a1%a0-%eb%af%b8%eb%9e%98%eb%a5%bc-%ec%a4%80%eb%b9%84%ed%95%98%eb%8a%94-%ed%98%84%eb%aa%85%ed%95%9c-%ec%9e%ac%eb%ac%b4-%ea%b4%80%eb%a6%ac-sQMdDsthEd\">\uacb0\ub860: \ubbf8\ub798\ub97c \uc900\ube44\ud558\ub294 \ud604\uba85\ud55c \uc7ac\ubb34 \uad00\ub9ac<\/h2>\n<p>\uc624\ub298 \uc0b4\ud3b4\ubcf8 \ub124 \uac00\uc9c0 \ud575\uc2ec \uc8fc\uc81c\ub294 \uacb0\ud63c \uc804 \uc7ac\ubb34 \uc900\ube44\uc758 \uc804\ubc18\uc801\uc778 \ub85c\ub4dc\ub9f5\uc744 \uc81c\uacf5\ud558\uba70, 2030 \uc138\ub300\uac00 \uc55e\uc73c\ub85c\uc758 \uacbd\uc81c\uc801 \uc5b4\ub824\uc6c0\uc5d0 \ub2a5\ub3d9\uc801\uc73c\ub85c \ub300\uc751\ud560 \uc218 \uc788\ub294 \ud544\uc218 \uc804\ub7b5\ub4e4\uc744 \ub2f4\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uccab \ubc88\uc9f8 \uc139\uc158\uc5d0\uc11c\ub294 \uc790\uc2e0\uc758 \ud604\uc7ac \uc7ac\ubb34 \uc0c1\ud0dc\ub97c \uac1d\uad00\uc801\uc73c\ub85c \ubd84\uc11d\ud558\ub294 \ubc29\ubc95\uacfc \uadf8 \uc911\uc694\uc131\uc744 \uc124\uba85\ud558\uc600\uc73c\uba70, \ub450 \ubc88\uc9f8 \uc139\uc158\uc5d0\uc11c\ub294 \ud604\uc2e4\uc801\uc778 \uc608\uc0b0 \uad00\ub9ac\uc640 \ubd80\ucc44 \ud574\uacb0 \uc804\ub7b5\uc744 \ud1b5\ud574 \uc18c\ube44 \ud328\ud134\uc744 \uac1c\uc120\ud558\ub294 \ubc29\ubc95\uc5d0 \ub300\ud574 \uc2ec\ub3c4 \uc788\uac8c \ub17c\uc758\ud558\uc600\uc2b5\ub2c8\ub2e4. \uc138 \ubc88\uc9f8 \uc139\uc158\uc5d0\uc11c\ub294 \ub2e4\uc591\ud55c \ud22c\uc790 \uc218\ub2e8\uacfc \ucd5c\uc2e0 \ud22c\uc790 \ub3d9\ud5a5, \uadf8\ub9ac\uace0 \uafb8\uc900\ud55c \uc800\ucd95 \uc2b5\uad00 \ud615\uc131\uc774 \ubbf8\ub798 \uc790\uc0b0 \uc99d\ub300\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5\uc5d0 \ub300\ud574 \uad6c\uccb4\uc801\uc778 \uc0ac\ub840\uc640 \ub370\uc774\ud130 \ubd84\uc11d\uc744 \ud1b5\ud574 \uc0b4\ud3b4\ubcf4\uc558\uc2b5\ub2c8\ub2e4. \ub9c8\uc9c0\ub9c9\uc73c\ub85c, \ub124 \ubc88\uc9f8 \uc139\uc158\uc5d0\uc11c\ub294 \uc7a5\uae30 \uc7ac\ubb34 \uacc4\ud68d, \ubcf4\ud5d8\uc758 \ud544\uc694\uc131, \uc138\ubb34 \uad00\ub9ac \ubc0f \ud1f4\uc9c1 \uc900\ube44\uc758 \uc911\uc694\uc131\uc744 \uac15\uc870\ud558\uba70, \uc7a5\uae30\uc801\uc778 \uc7ac\ubb34 \uc548\uc815\uc131\uc744 \ud655\ubcf4\ud558\ub294 \ubc29\ubc95\uc744 \uc81c\uc2dc\ud558\uc600\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uacb0\ud63c\uc774\ub77c\ub294 \uc778\uc0dd\uc758 \uc911\uc694\ud55c \uc804\ud658\uc810\uc744 \uc55e\ub450\uace0 \uc788\ub294 2030 \uc138\ub300\ub77c\uba74, \uc9c0\uae08\uae4c\uc9c0 \uc18c\uac1c\ud55c \uc804\ub7b5\ub4e4\uc744 \uccb4\uacc4\uc801\uc73c\ub85c \uc810\uac80\ud558\uace0 \uc2e4\ucc9c\uc5d0 \uc62e\uae30\ub294 \uac83\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \uc7ac\ubb34 \uc0c1\ud0dc \uc9c4\ub2e8, \uccb4\uacc4\uc801\uc778 \uc608\uc0b0 \uad00\ub9ac, \ud604\uba85\ud55c \ud22c\uc790\uc640 \uc800\ucd95, \uadf8\ub9ac\uace0 \uc7a5\uae30\uc801\uc778 \uc7ac\ubb34 \uacc4\ud68d \uc218\ub9bd\uc740 \uac01\uae30 \ub3c5\ub9bd\ub41c \uc694\uc18c\ub77c\uae30\ubcf4\ub2e4\ub294 \uc0c1\ud638 \ubcf4\uc644\uc801\uc778 \uc804\ub7b5\uc73c\ub85c, \uc774\ub97c \ud1b5\ud574 \uacb0\ud63c \ud6c4\uc5d0\ub3c4 \uacbd\uc81c\uc801 \uc548\uc815\uacfc \ubbf8\ub798 \uc0dd\ud65c\uc758 \uc9c8\uc744 \ub192\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc804\ubb38\uac00\ub4e4\uc758 \uc0ac\ub840\uc640 \ub2e4\uc591\ud55c \ud1b5\uacc4 \uc790\ub8cc\uac00 \uc99d\uba85\ud558\ub4ef, \uc0ac\uc804\uc5d0 \ucca0\uc800\ud55c \uc7ac\ubb34 \uc900\ube44\ub97c \ud1b5\ud574 \ubbf8\ub798\uc758 \ubd88\ud655\uc2e4\uc131\uc5d0 \ub300\ube44\ud558\ub294 \uac83\uc740 \ub2e8\uc21c\ud55c \uc7ac\uc815 \uad00\ub9ac \uadf8 \uc774\uc0c1\uc758 \uc758\ubbf8\ub97c \uac16\uc2b5\ub2c8\ub2e4. \ubd80\ubd80\uac04\uc758 \uc2e0\ub8b0\uc640 \ud611\ub825\uc744 \ubc14\ud0d5\uc73c\ub85c \ud55c \uc7ac\ubb34 \uc900\ube44\ub294 \uc7a0\uc7ac\uc801\uc778 \uc7ac\uc815 \uac08\ub4f1\uc744 \uc608\ubc29\ud558\uace0, \uc548\uc815\ub418\uace0 \ud589\ubcf5\ud55c \uacb0\ud63c \uc0dd\ud65c\uc758 \uae30\ubc18\uc744 \ub9cc\ub4e4\uc5b4 \uc90d\ub2c8\ub2e4.<\/p>\n<p>\ub530\ub77c\uc11c, \uacb0\ud63c \uc804 \uc7ac\ubb34 \uc804\ub7b5\uc744 \uccb4\uacc4\uc801\uc73c\ub85c \uc810\uac80\ud558\uace0 \uc2e4\ud589\uc5d0 \uc62e\uae30\ub294 \uac83\uc740 \ub354 \ub098\uc740 \ubbf8\ub798\ub97c \uc704\ud55c \ud604\uba85\ud55c \uc120\ud0dd\uc784\uc744 \ub2e4\uc2dc \ud55c \ubc88 \uac15\uc870\ud558\uace0 \uc2f6\uc2b5\ub2c8\ub2e4. \uc5ec\ub7ec\ubd84\uc758 \ud604\uba85\ud55c \uc120\ud0dd\uacfc \uaf3c\uaf3c\ud55c \uc900\ube44\uac00 \uc55e\uc73c\ub85c \ub2e4\uac00\uc62c \ubaa8\ub4e0 \uc7ac\uc815\uc801 \ub3c4\uc804\uc5d0 \ub9de\uc11c \uc548\uc815\uc801\uc778 \uac00\uc815 \uacbd\uc81c\ub97c \uc774\ub8f0 \uc218 \uc788\ub294 \uc6d0\ub3d9\ub825\uc774 \ub420 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \uc774 \uae00\uc744 \ud1b5\ud574 \uc81c\uc2dc\ub41c \uac01 \ub2e8\uacc4\ubcc4 \uc7ac\ubb34 \uad00\ub9ac \uc804\ub7b5\uc774 \ub3c5\uc790 \uc5ec\ub7ec\ubd84\uc5d0\uac8c \uc2e4\uc9c8\uc801\uc778 \ub3c4\uc6c0\uc744 \uc8fc\uc5b4, \uacb0\ud63c \ud6c4\uc5d0\ub3c4 \uc9c0\uc18d\uc801\uc778 \uc7ac\uc815 \uc548\uc815\uc131\uc744 \uc720\uc9c0\ud558\uace0, \ud589\ubcf5\ud55c \uac00\uc815\uc744 \uafb8\ub824\ub098\uac00\ub294 \ub370 \uae30\uc5ec\ud558\uae38 \ubc14\ub78d\ub2c8\ub2e4. \uc7ac\ubb34 \uc900\ube44\ub294 \ub2e8\uae30\uac04\uc758 \uacfc\uc81c\uac00 \uc544\ub2c8\ub77c \ud3c9\uc0dd\uc5d0 \uac78\uce5c \uc9c0\uc18d\uc801\uc778 \uad00\ub9ac\uc640 \uac1c\uc120\uc758 \uacfc\uc815\uc784\uc744 \uc78a\uc9c0 \ub9c8\uc2dc\uae38 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n<p>\ubbf8\ub798\uc758 \ubd88\ud655\uc2e4\uc131\uc5d0 \ub300\ube44\ud558\uc5ec \uc624\ub298\ubd80\ud130 \uc791\uc740 \uc2b5\uad00\uc744 \ub9cc\ub4e4\uc5b4 \uac00\uc138\uc694. \ub9e4\uc6d4 \uc815\uae30\uc801\uc778 \uc7ac\ubb34 \uc810\uac80, \ucca0\uc800\ud55c \uc608\uc0b0 \uad00\ub9ac, \uadf8\ub9ac\uace0 \uafb8\uc900\ud55c \ud22c\uc790\uc640 \uc800\ucd95\uc774 \uc5ec\ub7ec\ubd84\uc758 \uc7ac\uc815\uc744 \ud2bc\ud2bc\ud558\uac8c \ub9cc\ub4e4\uc5b4 \uc904 \uac83\uc785\ub2c8\ub2e4. \uacb0\ud63c\uc774\ub77c\ub294 \ud070 \ubcc0\uace1\uc810\uc744 \ub9de\uc774\ud558\uae30 \uc804, \ucca0\uc800\ud55c \uc900\ube44\uac00 \uc5ec\ub7ec\ubd84\uc758 \uc778\uc0dd\uc5d0 \ud070 \uae0d\uc815\uc801 \ubcc0\ud654\ub97c \ubd88\ub7ec\uc624\uae30\ub97c \uc9c4\uc2ec\uc73c\ub85c \uae30\uc6d0\ud569\ub2c8\ub2e4.<\/p>\n<p>\uac15\ub825\ud55c \uc694\uc57d\uc73c\ub85c, \uacb0\ud63c \uc804 \uc7ac\ubb34 \uc900\ube44\ub294 \ub2e8\uc21c\ud55c \uc18c\ub4dd\uacfc \uc9c0\ucd9c\uc758 \uad00\ub9ac\uc5d0\uc11c \ubc97\uc5b4\ub098, \uc7a5\uae30\uc801 \uc548\ubaa9\uacfc \uccb4\uacc4\uc801 \uacc4\ud68d\uc744 \uae30\ucd08\ub85c \ud55c \uc804\ubc18\uc801\uc778 \uc7ac\ubb34 \uac74\uc804\uc131 \ud655\ubcf4\uc758 \uacfc\uc815\uc785\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \uacb0\ud63c \ud6c4 \ub098\ud0c0\ub0a0 \ub2e4\uc591\ud55c \uc7ac\uc815\uc801 \ubb38\uc81c\uc5d0 \uc120\uc81c\uc801\uc73c\ub85c \ub300\uc751\ud558\uba70, \uc548\uc815\ub418\uace0 \ud589\ubcf5\ud55c \uac00\uc815 \uacbd\uc81c\ub97c \uc774\ub8e8\uc5b4 \ub098\uac08 \uc218 \uc788\uac8c \ub429\ub2c8\ub2e4.<\/p>\n<p>2030 \uc138\ub300 \uc5ec\ub7ec\ubd84, \ud604\uba85\ud558\uace0 \uccb4\uacc4\uc801\uc778 \uc7ac\ubb34 \uad00\ub9ac\uac00 \ub2f9\uc2e0\uacfc 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