<\/a><\/p>\n\n\n\n\uc800\ucd95\uc740 \uc77c\ucc0d \uc2dc\uc791\ud560\uc218\ub85d \ubcf5\ub9ac \ud6a8\uacfc\uac00 \ucee4\uc9c4\ub2e4. \ub9e4\ub2ec \uc18c\uc561\uc774\ub77c\ub3c4 \uafb8\uc900\ud788 \uc801\ub9bd\ud55c\ub2e4\uba74 \uc2dc\uac04\uc774 \uc9c0\ub0a8\uc5d0 \ub530\ub77c \ud070 \uc790\uc0b0\uc73c\ub85c \ubd88\uc5b4\ub09c\ub2e4. \uc774\ubbf8 \uc800\ucd95\uc744 \uc2dc\uc791\ud588\ub2e4\uba74 \ud754\ub4e4\ub9bc \uc5c6\uc774 \uc774\uc5b4\uac00\ub294 \uac83\uc774 \uc911\uc694\ud558\ub2e4. \uc544\uc9c1 \uc2dc\uc791\ud558\uc9c0 \uc54a\uc558\ub2e4\uba74 \uc624\ub298\uc774 \uac00\uc7a5 \ube60\ub978 \ucd9c\ubc1c\uc810\uc774\ub2e4.<\/p>\n\n\n\n
\u25a0 \uc740\ud1f4 \ud6c4 \uc0dd\ud65c\ube44\ub97c \uacc4\uc0b0\ud558\ub77c<\/strong><\/p>\n\n\n\n\uc804\ubb38\uac00\ub4e4\uc740 \uc740\ud1f4 \uc774\ud6c4\uc5d0\ub3c4 \ud604\uc5ed \uc2dc\uc808 \uc18c\ub4dd\uc758 70~90%\uac00 \ud544\uc694\ud558\ub2e4\uace0 \ubcf8\ub2e4. \ub530\ub77c\uc11c \uc790\uc2e0\uc774 \ub9e4\ub2ec \uc5bc\ub9c8\ub97c \uc9c0\ucd9c\ud558\ub294\uc9c0 \ud30c\uc545\ud558\uace0, \uadf8 \uc218\uc900\uc744 \uc740\ud1f4 \ud6c4\uc5d0\ub3c4 \uc720\uc9c0\ud558\ub824\uba74 \uc5bc\ub9c8\uac00 \ud544\uc694\ud55c\uc9c0 \uc0b0\uc815\ud574\uc57c \ud55c\ub2e4. \ubaa9\ud45c\uc561\uc774 \uc788\uc5b4\uc57c \uad6c\uccb4\uc801\uc778 \uacc4\ud68d\uc744 \uc138\uc6b8 \uc218 \uc788\uace0, \uc0dd\ud65c\ud328\ud134\ub3c4 \ubbf8\ub9ac \uc870\uc815\ud560 \uc218 \uc788\ub2e4.<\/p>\n\n\n\n
\u25a0 \uace0\uc6a9\uc8fc\uc758 \ud1f4\uc9c1\uc5f0\uae08 \uc81c\ub3c4 \ud65c\uc6a9<\/strong><\/p>\n\n\n\n\ud68c\uc0ac\uac00 \uc81c\uacf5\ud558\ub294 401(k)\ub098 \ub9e4\uce6d \uc81c\ub3c4\ub294 \uc740\ud1f4 \uc790\uc0b0 \ud615\uc131\uc758 \uac00\uc7a5 \uac15\ub825\ud55c \ub3c4\uad6c\ub2e4. \uc138\uae08 \ud61c\ud0dd\uc744 \ubc1b\uc744 \uc218 \uc788\uc744 \ubfd0 \uc544\ub2c8\ub77c, \ud68c\uc0ac\uac00 \uc77c\uc815 \ube44\uc728\uc744 \ucd94\uac00\ub85c \ubd80\ub2f4\ud574\uc8fc\uae30 \ub54c\ubb38\uc5d0 \uc2e4\uc9c8\uc801\uc778 \uc218\uc775\ub960\uc774 \ub192\ub2e4. \ub9e4\ub2ec \uc790\ub3d9 \uacf5\uc81c \ubc29\uc2dd\uc73c\ub85c \uafb8\uc900\ud788 \ubd88\uc785\ud558\uba74 \uc7a5\uae30\uc801\uc73c\ub85c \ud070 \ucc28\uc774\ub97c \ub9cc\ub4e0\ub2e4.<\/p>\n\n\n\n
\u25a0 \uc5f0\uae08\uc81c\ub3c4\ub97c \uc815\ud655\ud788 \uc774\ud574\ud558\ub77c<\/strong><\/p>\n\n\n\n\uace0\uc6a9\uc8fc\uac00 \uc81c\uacf5\ud558\ub294 \uc804\ud1b5\uc801 \uc5f0\uae08\uc81c\ub3c4\uac00 \uc788\ub2e4\uba74 \ubc18\ub4dc\uc2dc \uac00\uc785 \uc5ec\ubd80\uc640 \uc218\ub839 \uc870\uac74\uc744 \ud655\uc778\ud574\uc57c \ud55c\ub2e4. \uac1c\uc778\ubcc4 \uc608\uc0c1 \uc218\ub839\uc561\uc774 \uae30\ub85d\ub41c \u2018\ubca0\ub124\ud54f \uc2a4\ud14c\uc774\ud2b8\uba3c\ud2b8\u2019\ub97c \ud1b5\ud574 \uad6c\uccb4\uc801\uc778 \uae08\uc561\uc744 \ud655\uc778\ud560 \uc218 \uc788\ub2e4. \uc9c1\uc7a5\uc744 \uc62e\uae30\uae30 \uc804\uc5d0\ub294 \uae30\uc874 \uc5f0\uae08\uc774 \uc5b4\ub5bb\uac8c \ucc98\ub9ac\ub418\ub294\uc9c0\ub3c4 \ubc18\ub4dc\uc2dc \uc0b4\ud3b4\uc57c \ubd88\uc774\uc775\uc744 \ud53c\ud560 \uc218 \uc788\ub2e4.<\/p>\n\n\n\n
\u25a0 \ud22c\uc790\uc758 \uc6d0\ub9ac\ub97c \ubc30\uc6cc\ub77c<\/strong><\/p>\n\n\n\n\ub2e8\uc21c \uc800\ucd95\ub9cc\uc73c\ub85c\ub294 \ubb3c\uac00 \uc0c1\uc2b9\ub960\uc744 \ub530\ub77c\uc7a1\uc744 \uc218 \uc5c6\ub2e4. \ub530\ub77c\uc11c \uc740\ud1f4 \uc790\uc0b0\uc758 \uc77c\uc815 \ubd80\ubd84\uc740 \uc8fc\uc2dd, \ucc44\uad8c, \ud380\ub4dc \ub4f1 \ub2e4\uc591\ud55c \ud22c\uc790 \uc790\uc0b0\uc5d0 \ubc30\ubd84\ud574\uc57c \ud55c\ub2e4. \ubd84\uc0b0 \ud22c\uc790\ub85c \uc704\ud5d8\uc744 \uc904\uc774\uace0, \ub098\uc774\uc640 \ubaa9\ud45c\uc5d0 \ub9de\uac8c \ud22c\uc790 \ube44\uc911\uc744 \uc870\uc815\ud558\ub294 \uac83\uc774 \ud575\uc2ec\uc774\ub2e4. \ud22c\uc790 \uc6d0\ub9ac\ub97c \uc774\ud574\ud558\ub294 \uac83 \uc790\uccb4\uac00 \uc740\ud1f4 \uc790\uc0b0\uc744 \uc9c0\ud0a4\ub294 \uccab\uac78\uc74c\uc774\ub2e4.<\/p>\n\n\n\n
\u25a0 \uc740\ud1f4 \uc790\uae08\uc740 \ud568\ubd80\ub85c \uc778\ucd9c\ud558\uc9c0 \ub9d0\ub77c<\/strong><\/p>\n\n\n\n\uc911\ub3c4 \uc778\ucd9c\uc740 \ub2e8\uc21c\ud788 \uc6d0\uae08\uacfc \uc774\uc790\ub97c \uc904\uc774\ub294 \ub370\uc11c \ub05d\ub098\uc9c0 \uc54a\ub294\ub2e4. \uc138\uae08 \ud61c\ud0dd\uc744 \uc783\uac70\ub098 \ubc8c\uae08\uc744 \ub0b4\uc57c \ud560 \uc218\ub3c4 \uc788\uc5b4 \uc190\uc2e4\uc774 \ubc30\uac00\ub41c\ub2e4. \uc9c1\uc7a5\uc744 \uc62e\uae38 \ub54c\uc5d0\ub3c4 \uae30\uc874 \uacc4\uc88c\ub97c \ud574\uc9c0\ud558\uae30\ubcf4\ub2e4 \uac00\ub2a5\ud55c \ud55c \uc0c8\ub85c\uc6b4 \uc81c\ub3c4\ub85c \uc62e\uae30\uac70\ub098 \uadf8\ub300\ub85c \ub450\ub294 \uac83\uc774 \ubc14\ub78c\uc9c1\ud558\ub2e4.<\/p>\n\n\n\n
\u25a0 \uace0\uc6a9\uc8fc\uc5d0\uac8c \ud1f4\uc9c1\ud50c\ub79c\uc744 \uc694\uad6c\ud558\ub77c<\/strong><\/p>\n\n\n\n\ub2e4\ub2c8\ub294 \ud68c\uc0ac\uc5d0 \ud1f4\uc9c1\ud50c\ub79c\uc774 \uc5c6\ub2e4\uba74 \uc81c\ub3c4 \ub3c4\uc785\uc744 \uac74\uc758\ud560 \uc218\ub3c4 \uc788\ub2e4. \uc911\uc18c\uae30\uc5c5\uc774\ub77c\ub3c4 \uac04\ub2e8\ud55c \ud615\ud0dc\uc758 \uc740\ud1f4\ud50c\ub79c\uc744 \uc6b4\uc601\ud560 \uc218 \uc788\ub294 \ubc29\uc548\uc774 \ub9c8\ub828\ub3fc \uc788\ub2e4. \uc774\ub294 \ud68c\uc0ac\uc5d0\ub3c4 \ub3c4\uc6c0\uc774 \ub418\uace0, \uc9c1\uc6d0\ub4e4\uc5d0\uac8c\ub3c4 \uc548\uc815\uc801\uc778 \ub178\ud6c4 \uc900\ube44 \uc218\ub2e8\uc774 \ub41c\ub2e4.<\/p>\n\n\n\n
\u25a0 \uac1c\uc778 \uc740\ud1f4\uacc4\uc88c(IRA)\ub97c \ud65c\uc6a9\ud558\ub77c<\/strong><\/p>\n\n\n\n\uac1c\uc778 \uc740\ud1f4\uacc4\uc88c\ub294 \uc138\uc81c \ud61c\ud0dd\uc744 \ud65c\uc6a9\ud560 \uc218 \uc788\ub294 \ub610 \ud558\ub098\uc758 \uc720\uc6a9\ud55c \uc218\ub2e8\uc774\ub2e4. \ub9e4\ub144 \uc77c\uc815 \ud55c\ub3c4\uae4c\uc9c0 \ub0a9\uc785\ud560 \uc218 \uc788\uc73c\uba70, 50\uc138 \uc774\uc0c1\uc774\ub77c\uba74 \ucd94\uac00 \ubd88\uc785\ub3c4 \uac00\ub2a5\ud558\ub2e4. \uc804\ud1b5\ud615 IRA\uc640 \ub85c\uc2a4(Roth) IRA \uc911 \uc790\uc2e0\uc758 \uc18c\ub4dd\uacfc \uc138\uae08 \uc0c1\ud669\uc5d0 \ub9de\ub294 \uac83\uc744 \uc120\ud0dd\ud574\uc57c \ud55c\ub2e4.<\/p>\n\n\n\n
\u25a0 \uc0ac\ud68c\ubcf4\uc7a5\uc5f0\uae08(SSA) \ud61c\ud0dd \ud655\uc778<\/strong><\/p>\n\n\n\n\uc0ac\ud68c\ubcf4\uc7a5\uc5f0\uae08\uc740 \uc740\ud1f4\uc790 \ud3c9\uade0 \uc18c\ub4dd\uc758 \uc57d 40%\ub97c \ubcf4\uc7a5\ud55c\ub2e4. \uc218\ub839 \uc2dc\uae30\uc640 \uacfc\uac70 \uc18c\ub4dd \uae30\ub85d\uc5d0 \ub530\ub77c \uae08\uc561\uc774 \ub2ec\ub77c\uc9c0\ubbc0\ub85c, \ubbf8\ub9ac \uacc4\uc0b0\ud574\ubcf4\uace0 \uacc4\ud68d\uc744 \uc138\uc6b0\ub294 \uac83\uc774 \uc911\uc694\ud558\ub2e4. \uc815\ubd80 \uc6f9\uc0ac\uc774\ud2b8\uc758 \uacc4\uc0b0\uae30\ub97c \uc774\uc6a9\ud558\uba74 \uc608\uc0c1 \uc218\ub839\uc561\uc744 \uc27d\uac8c \ud655\uc778\ud560 \uc218 \uc788\ub2e4.<\/p>\n\n\n\n
\u25a0 \ud56d\uc0c1 \uc9c8\ubb38\ud558\uace0 \ubc30\uc6b0\ub77c<\/strong><\/p>\n\n\n\n\uc740\ud1f4 \uc900\ube44\ub294 \ud63c\uc790\uc11c \ubaa8\ub4e0 \uc815\ubcf4\ub97c \ud30c\uc545\ud558\uae30 \uc5b4\ub835\ub2e4. \uace0\uc6a9\uc8fc, \uc740\ud589, \uae08\uc735\uae30\uad00, \uc7ac\ubb34 \uc0c1\ub2f4\uac00\uc5d0\uac8c \uc801\uadf9\uc801\uc73c\ub85c \uc9c8\ubb38\ud574\uc57c \ud55c\ub2e4. \uc791\uc740 \uad81\uae08\uc99d\uc774\ub77c\ub3c4 \ud574\uc18c\ud558\ub294 \uacfc\uc815\uc774 \uc740\ud1f4 \uc900\ube44\uc758 \uc2dc\uc791\uc774\uc790 \ud575\uc2ec\uc774\ub2e4.<\/p>\n\n\n\n
<\ubc15\ud64d\uc6a9 \uae30\uc790><\/p>\n","protected":false},"excerpt":{"rendered":"
\u25b6 \ud22c\uc790\u00b7\uc138\uc81c\ud61c\ud0dd\uc740 \ud544\uc218\uc801\u25b6 401(k)\u00b7IRA \ub4f1 \uc801\uadf9 \ud65c\uc6a9 \u25b6 \u2018\ubcf5\ub9ac\uc758 \ub9c8\ubc95\u2019 \uadf9\ub300\ud654 \uc911\uc694\u25b6 \ucd5c\uc2e0 \uc7ac\ubb34\u00b7\uc815\ubcf4 \uc2b5\ub4dd…<\/p>","protected":false},"author":1,"featured_media":32099,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"WB4WB4WP_MODE":"","WB4WP_PAGE_SCRIPTS":"","WB4WP_PAGE_STYLES":"","WB4WP_PAGE_FONTS":"","WB4WP_PAGE_HEADER":"","WB4WP_PAGE_FOOTER":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[37],"tags":[2282],"class_list":["post-32097","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-politics","tag-2282"],"yoast_head":"\n
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