{"id":34125,"date":"2025-12-01T11:51:02","date_gmt":"2025-12-01T16:51:02","guid":{"rendered":"https:\/\/koreatimesphila.com\/?p=34125"},"modified":"2025-12-01T11:51:06","modified_gmt":"2025-12-01T16:51:06","slug":"%eb%8a%99%ec%97%88%eb%8b%a4%ea%b3%a0-%eb%ac%b4%ec%8b%9c%eb%a7%88%ec%84%b8%ec%9a%94-%eb%b2%a0%ec%9d%b4%eb%b9%84%eb%b6%80%eb%a8%b8-%ec%b5%9c%eb%8c%80-%eb%b6%80","status":"publish","type":"post","link":"https:\/\/koreatimesphila.com\/en\/%eb%8a%99%ec%97%88%eb%8b%a4%ea%b3%a0-%eb%ac%b4%ec%8b%9c%eb%a7%88%ec%84%b8%ec%9a%94-%eb%b2%a0%ec%9d%b4%eb%b9%84%eb%b6%80%eb%a8%b8-%ec%b5%9c%eb%8c%80-%eb%b6%80\/","title":{"rendered":"\u201c\ub299\uc5c8\ub2e4\uace0 \ubb34\uc2dc\ub9c8\uc138\uc694\u201d\u2026 \ubca0\uc774\ube44\ubd80\uba38 \u2018\ucd5c\ub300 \ubd80\uc790\uc138\ub300\u2019"},"content":{"rendered":"\n

\u25b6 \u2018\uae08\uc735\u00b7\uc8fc\ud0dd\u2019 \uc790\uc0b0 \ub4f1 85\uc870 \ub2ec\ub7ec\u2191
\u25b6 \uacfc\uac70 \uacbd\uc81c \ud638\ud669\uae30 \ub192\uc740 \uc800\ucd95\ub960<\/p>\n\n\n\n

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\"\u201c\ub299\uc5c8\ub2e4\uace0<\/p>\n\n\n\n

\ubca0\uc774\ube44 \ubd90 \uc138\ub300\uc758 \uc790\uc0b0\uc774 85\uc870 \ub2ec\ub7ec\ub97c \ub118\uc5b4\uc120 \uac83\uc73c\ub85c \uc9d1\uacc4\ub410\ub2e4. \uacfc\uac70 \uacbd\uc81c \ud638\ud669\uae30\uc5d0 \ub192\uc740 \uc800\ucd95\uc744 \ud55c \uac83\uc774 \uc774\ub4e4 \uc790\uc0b0 \ud615\uc131\uc758 \uc8fc\uc694 \uacbd\ub85c\ub85c\ub3c4 \uc870\uc0ac\ub410\ub2e4. [\ub85c\uc774\ud130]\n\n\n\n

\ubca0\uc774\ube44\ubd90 \uc138\ub300\uac00 \ubcf4\uc720\ud55c \uc790\uc0b0\uc774 85\uc870\ub2ec\ub7ec\ub97c \ub118\uc5b4\uc120 \uac83\uc73c\ub85c \uc870\uc0ac\ub410\ub2e4. \ub274\uc695\ub300\ud559\uc774 \u2018\uc804\uad6d\uacbd\uc81c\uc5f0\uad6c\uad6d\u2019(National Bureau of Economic Research)\uc758 \uc790\ub8cc\ub97c \ubd84\uc11d\ud574 \ucd5c\uadfc \ubc1c\ud45c\ud55c \ubcf4\uace0\uc11c\uc5d0 \ub530\ub974\uba74 75\uc138 \uc774\uc0c1 \uace0\ub839\uce35\uc740 \uc8fc\ud0dd\uacfc \uc8fc\uc2dd\uc5d0 \ube44\uad50\uc801 \uc77c\ucc0d \ud22c\uc790\ud588\uace0, \uc774\ud6c4 \uc218\uc2ed \ub144\uc5d0 \uac78\uccd0 \uc774\ub4e4 \uc790\uc0b0\uc774 \ud3ed\ubc1c\uc801\uc73c\ub85c \uc0c1\uc2b9\ud588\ub2e4. \uc774\ucc98\ub7fc 1983\ub144\ubd80\ud130 2022\ub144\uae4c\uc9c0 40\ub144 \ub3d9\uc548 \uace0\ub839 \ubca0\uc774\ube44\ubd90 \uc138\ub300\uc758 \uc790\uc0b0\uc740 \uac00\ud30c\ub974\uac8c \uc0c1\uc2b9\ud55c \ubc18\uba74, \uc80a\uc740 \uc138\ub300\uc758 \uc790\uc0b0 \ud615\uc131\uc740 \uc0c1\ub300\uc801\uc73c\ub85c \ub4b7\uac78\uc74c\uc9c8\uce5c \uac83\uc73c\ub85c\ub3c4 \ubd84\uc11d\ub410\ub2e4.<\/p>\n\n\n\n

\u25a0 \uc6b0\ud638\uc801\uc778 \uacbd\uc81c \uc5ec\uac74 \ub355\ubd84<\/strong><\/p>\n\n\n\n

\uacbd\uc81c \uc804\ubb38\uac00\ub4e4\uc740 \ubca0\uc774\ube44\ubd90 \uc138\ub300\uac00 \ud604\uc7ac \ub204\ub9ac\ub294 \u2018\ud48d\uc694\u2019\ub294 \uc774\ub4e4\uc774 \uadfc\ub85c \uc5f0\ub839\uc774\uc5c8\ub358 \uc2dc\uae30\uc5d0 \uc774\uc5b4\uc9c4 \ub9e4\uc6b0 \uc6b0\ud638\uc801\uc778 \uacbd\uc81c \uc5ec\uac74 \ub355\ubd84\uc73c\ub85c \ubd84\uc11d\ud55c\ub2e4. \ub2f9\uc2dc\uc758 \uc548\uc815\uc801 \uc77c\uc790\ub9ac, \uc0c1\ub300\uc801\uc73c\ub85c \ub0ae\uc558\ub358 \ub300\ud559 \ud559\ube44, \uac10\ub2f9 \uac00\ub2a5\ud55c \uc8fc\ud0dd\uac00\uaca9 \ub4f1\uc774 \uc790\uc0b0 \ucd95\uc801\uc744 \uac00\ub2a5\ucf00 \ud588\ub2e4\ub294 \ubd84\uc11d\uc774\ub2e4. \ubc18\uba74 \uc774\ud6c4 \uc80a\uc740 \uc138\ub300\ub294 \ud559\uc790\uae08 \ub300\ucd9c, \ub192\uc740 \uc591\uc721\ube44 \ub4f1\uc73c\ub85c \ubca0\uc774\ube44\ubd90 \uc138\ub300\uc640 \uac19\uc740 \uc790\uc0b0 \ud615\uc131 \uacbd\ub85c\ub97c \ub530\ub974\uc9c0 \ubabb\ud558\ub294 \uac83\uc774 \ud604\uc2e4\uc774\ub2e4.<\/p>\n\n\n\n

<\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/p>\n\n\n\n

\uc138\ub300\ubcc4 \uc8fc\uac70\ube44\ub3c4 \uc138\ub300 \uac04 \ubd80\uc758 \uaca9\ucc28\ub97c \ub354\uc6b1 \ubc8c\ub9ac\ub294 \uc694\uc778\uc774\ub2e4. \uacbd\uc81c \uc804\ubb38\uac00\ub4e4\uc740 \ubca0\uc774\ube44\ubd90 \uc138\ub300(1946~1964\ub144\uc0dd)\ub294 \uc9d1\uac12\uc774 \uc800\ub834\ud55c \uc2dc\uae30\uc5d0 \ub0b4 \uc9d1\uc744 \ub9c8\ub828\ud588\uc9c0\ub9cc, X\uc138\ub300(1965~1980\ub144\uc0dd), \ubc00\ub808\ub2c8\uc5bc(1981~1996\ub144\uc0dd) \uc774\ud6c4 \uc138\ub300\ub294 \uc18c\ub4dd\uc758 \uc0c1\ub2f9 \ubd80\ubd84\uc744 \ubaa8\uae30\uc9c0 \ub300\ucd9c \uc0c1\ud658\uc774\ub098 \uc8fc\ud0dd \uc784\ub300\ub8cc\ub85c \uc9c0\ucd9c\ud574\uc57c \ud558\ub294 \uc2e4\uc815\uc774\ub2e4. \uc62c\ub9ac\ube44\uc544 \ubbf8\uccbc \ud39c\uc2e4\ubca0\uc774\ub2c8\uc544\ub300 \uc640\ud2bc \uacbd\uc601\ub300 \uad50\uc218\ub294 \u201c\ubca0\uc774\ube44\ubd90 \uc138\ub300\uc758 \ubd80\ub294 \uadf8\ub4e4\uc758 \ub6f0\uc5b4\ub09c \uc7ac\uc815\uad00\ub9ac \ub2a5\ub825 \uc678\uc5d0\ub3c4 \uc7a5\uae30\uac04\uc5d0 \uac78\uccd0 \uc790\uc0b0\uc744 \ubd88\ub9b4 \uc218 \uc788\uc5c8\ub358 \uacbd\uc81c \uc5ec\uac74 \ub355\ubd84\u201d\uc774\ub77c\uace0 \uc124\uba85\ud588\ub2e4.<\/p>\n\n\n\n

\u25a0 \uacbd\uc81c \ud638\ud669\uae30\uc5d0 \ub192\uc740 \uc800\ucd95\ub960<\/strong><\/p>\n\n\n\n

\ubca0\uc774\ube44\ubd90 \uc138\ub300\ub294 \uac15\ud55c \uacbd\uc81c\uc131\uc7a5, \uc0dd\uc0b0\uc131 \uc0c1\uc2b9, \ub192\uc740 \uc2e4\uc9c8\uc784\uae08\uc774 \uc774\uc5b4\uc9c0\ub358 \uc774\ub978\ubc14 \uacbd\uc81c \ud638\ud669 \uc2dc\uae30\uc5d0 \ub178\ub3d9\uc2dc\uc7a5\uc5d0 \uc9c4\uc785\ud588\ub2e4. \ubca0\uc774\ube44 \ubd90 \uc138\ub300\ub294 \ub6101980~90\ub144\ub300 \uc7a5\uae30 \uc8fc\uc2dd \uac15\uc138\uc7a5\uacfc \uacbd\uae30 \ub300\uce68\uccb4 \uc774\ud6c4\uc758 \ube60\ub978 \uacbd\uc81c \ud68c\ubcf5\uae30\ub97c \uac70\uce58\uba70 \ub192\uc740 \uc18c\ub4dd\uacfc \uc800\ucd95\ub960 \ubcf4\uc600\ub2e4. \uc774 \uae30\uac04 \ub300\ud559 \ub4f1\ub85d\uae08\uacfc \uc758\ub8cc\ube44\ub294 \uc9c0\uae08\uacfc \ube44\uad50\ud558\uba74 \ud604\uc800\ud788 \ub0ae\uc558\uace0, \ub0ae\uc740 \u2018\uc790\ubcf8\uc774\ub4dd\uc138\u2019(Capital Gains Tax) \ub4f1\uacfc \uac19\uc740 \uc138\uc81c \ud61c\ud0dd\ub3c4 \ub204\ub9b4 \uc218 \uc788\uc5c8\ub2e4.<\/p>\n\n\n\n

\ubc18\uba74 \uc80a\uc740 \uc138\ub300\ub294 \uc0ac\ud68c\uc5d0 \uccab\ubc1c\uc744 \ub0b4\ub51b\uc790\ub9c8\uc790 \uacbd\uae30 \ub300\uce68\uccb4(2007\ub144 \ub9d0~2009\ub144 \uc911\ubc18)\ub97c \ub9de\ub2e5\ub728\ub838\uace0, \uc774\ud6c4 \uc2dc\uc7a5 \ubcc0\ub3d9\uc131\ub3c4 \ud6e8\uc52c \ud070 \ud658\uacbd\uc5d0\uc11c \uc790\uc0b0\uc744 \uad00\ub9ac\ud574\uc57c \ud588\ub2e4. \uc81c\ub7ec\ubbf8 \ub124\uc774 \uceec\ub7fc\ube44\uc544\ub300 \uacbd\uc601\ub300 \uad50\uc218\ub294 \u201c30\uc138 \uae30\uc900\uc73c\ub85c \ud3c9\uade0 \ubc00\ub808\ub2c8\uc5bc\uc758 \ubd80\ucc44\ub294 \ubca0\uc774\ube44 \ubd90 \uc138\ub300\uac00 \uac19\uc740 \ub098\uc774\uc600\uc744 \ub54c\ubcf4\ub2e4 \uc57d \ub450 \ubc30 \ub9ce\ub2e4\u201d\ub77c\uba70 \u201c\ubca0\uc774\ube44\ubd90 \uc138\ub300 \uc774\ud6c4 \uc138\ub300\ub294 \ub2f7\ucef4\ubc84\ube14 \ubd95\uad34, 2008\ub144 \uae08\uc735 \uc704\uae30, \ucf54\ub85c\ub098 \ud32c\ub370\ubbf9 \ub4f1 \uc787\ub530\ub978 \uacbd\uae30 \uce68\uccb4\ub97c \uacaa\uc73c\uba70 \ud22c\uc790\uc640 \uc790\uc0b0 \ucd95\uc801\uc774 \ud6e8\uc52c \uc5b4\ub824\uc6cc\uc84c\ub2e4\u201d\ub77c\uace0 \uc9c0\uc801\ud588\ub2e4.<\/p>\n\n\n\n

\u25a0 \ubcf4\uc720 \uae08\uc735 \uc790\uc0b0 \uae09\ub4f1<\/strong><\/p>\n\n\n\n

\uc77c\ubd80 \uace0\ub839 \ubca0\uc774\ube44\ubd90 \uc138\ub300\ub294 \uc9c0\uae08\uc740 \ub4dc\ubb38 \u2018\ud655\uc815\uae09\uc5ec\u2019(Defined-Benefit\u00b7DB)\ud615 \uc5f0\uae08\uc758 \ud61c\ud0dd\uc744 \ub204\ub838\ub2e4. \ubbfc\uac04 \uae30\uc5c5\uc5d0\uc11c DB \uc5f0\uae08\uc774 1980\ub144\ub300 \uc774\ud6c4 \uc810\ucc28 \uc0ac\ub77c\uc9c4 \ub4a4\uc5d0\ub294 \uc138\uc81c \ud61c\ud0dd\uc744 \ubc1b\ub294 401(k) \uc81c\ub3c4\uac00 \ube60\ub974\uac8c \ubcf4\ud3b8\ud654\ub418\uba74\uc11c \ubca0\uc774\ube44\ubd90 \uc138\ub300\ub4e4\uc758 \uc8fc\uc2dd \ubcf4\uc720 \uaddc\ubaa8\ub3c4 \ub3d9\uc2dc\uc5d0 \uc99d\uac00\ud588\ub2e4. \u2018\uc5f0\ubc29\uc900\ube44\uc81c\ub3c4\u2019(Fed)\uc758 2023\ub144 \uc870\uc0ac\uc5d0 \ub530\ub974\uba74 \ubca0\uc774\ube44 \ubd90 \uc138\ub300 \uc790\uc0b0\uc758 \uc808\ubc18 \uac00\ub7c9\uc774 \ud604\uae08, \ucc44\uad8c, \uc8fc\uc2dd, \ubba4\ucd94\uc5bc \ud380\ub4dc \ub4f1 \uae08\uc735\uc790\uc0b0\uc774\ub2e4. \ubca0\uc774\ube44 \ubd90 \uc138\ub300\uc758 \uc778\uad6c \ube44\uc911\uc740 \uc804\uccb4 \uc778\uad6c\uc758 \uc57d 20%\uc5d0 \ubd88\uacfc\ud558\uc9c0\ub9cc \uc8fc\uc2dd\uacfc \ubba4\ucd94\uc5bc\ud380\ub4dc \ube44\uc911\uc740 \uc804\uccb4\uc758 \uc808\ubc18\uc744 \ub118\ub294\ub2e4. Fed\uc758 \uc9d1\uacc4\uc5d0 \ub530\ub974\uba74 \ubca0\uc774\ube44\ubd90 \uc138\ub300\uac00 \uc62c\ud574 2\ubd84\uae30\uae4c\uc9c0 \ucd95\uc801\ud55c \ubd80\ub294 85\uc8704\ucc9c\uc5b5\ub2ec\ub7ec\ub85c, X\uc138\ub300\uc758 \ub450 \ubc30, \ubc00\ub808\ub2c8\uc5bc\uc758 \ub124 \ubc30 \uc218\uc900\uc774\ub2e4.<\/p>\n\n\n\n

\ubc18\uba74 \uc80a\uc740 \uc138\ub300\ub294 \ubd80\ucc44 \ubd80\ub2f4\uc774 \ucee4 \uc800\ucd95\uc774\ub098 \ud22c\uc790 \uc5ec\ub825\uc774 \ub5a8\uc5b4\uc9c4\ub2e4. \uc5f0\ubc29\ud1b5\uacc4\uad6d \uc790\ub8cc\uc5d0 \ub530\ub974\uba74 \ud559\uc790\uae08 \ub300\ucd9c\uacfc \uc591\uc721\ube44\uac00 1980\ub144\ub300 \uc911\ubc18\ubd80\ud130 2011\ub144 \uc0ac\uc774 \uac70\uc758 \ub450 \ubc30\ub85c \ub6f0\uc5c8\ub294\ub370, \uc774\ub4e4 \ube44\uc6a9\uc774 \uc80a\uc740 \uc138\ub300\uc758 \uc790\uc0b0 \ud615\uc131\uc744 \uac00\ub85c\ub9c9\uace0 \uc788\ub2e4. \uceec\ub7fc\ube44\uc544 \uacbd\uc601\ub300 \uc81c\ub7ec\ubbf8 \ub124\uc774 \uad50\uc218\ub294 \u201c1940\ub144 \ud0dc\uc5b4\ub09c \uc0ac\ub78c\uc740 \ubd80\ubaa8\ubcf4\ub2e4 \ub354 \ub9ce\uc774 \ubc8c \ud655\ub960\uc774 90%\uc600\uc9c0\ub9cc, \ud604\uc7ac \ud0dc\uc5b4\ub09c \uc138\ub300\uc758 \uc790\uc0b0 \ud615\uc131\uc740 \uc804\uc801\uc73c\ub85c \uc6b4\uc5d0 \ub9e1\uaca8\uc57c \ud558\ub294 \uc0c1\ud669\uc774 \ub410\ub2e4\u201d\ub77c\uace0 \ube44\uc720\ud588\ub2e4.<\/p>\n\n\n\n

\ud22c\uc790 \uc131\ud5a5\uc5d0\uc11c\ub3c4 \uc138\ub300 \uac04\ucc28\uc774\uac00 \ub69c\ub837\ud558\ub2e4. \ub124\uc774 \uad50\uc218\ub294 \u201c\ubc00\ub808\ub2c8\uc5bc\uacfc Z\uc138\ub300(1997~2012\ub144\uc0dd)\ub294 \uc8fc\uc2dd\uc2dc\uc7a5\uc5d0 \ud6e8\uc52c \uc704\ud5d8\ud68c\ud53c\uc801\uc73c\ub85c \uacbd\uc81c \ud638\ud669\uc744 \uacbd\ud5d8\ud55c \uce68\ubb35 \uc138\ub300(1928~1945\ub144\uc0dd), \ubca0\uc774\ube44 \ubd90 \uc138\ub300, X\uc138\ub300\uc640\ub294 \ub2e4\ub974\ub2e4\u201d\ub77c\uba70 \u201cZ\uc138\ub300\ub294 \uc8fc\uac00 \ud558\ub77d\uc744 \u2018\uc800\uac00 \ub9e4\uc218 \uae30\ud68c\u2019\ub85c \ubcf4\uc9c0 \uc54a\uace0 \uac00\uaca9\uc774 \ub5a8\uc5b4\uc9c8\uc218\ub85d \uc624\ud788\ub824 \uc2dc\uc7a5 \ucc38\uc5ec\ub97c \uc8fc\uc800\ud558\ub294 \uacbd\ud5a5\uc744 \ubcf4\uc778\ub2e4\u201d\ub77c\uace0 \ubd84\uc11d\ud588\ub2e4<\/p>\n\n\n\n

\u25a0 \uc9d1\uac12 \uc0c1\uc2b9 \ud61c\ud0dd \uace0\uc2a4\ub780\ud788 \ub204\ub824<\/strong><\/p>\n\n\n\n

\ubca0\uc774\ube44\ubd90 \uc138\ub300 \uc790\uc0b0 \uc911 \uac00\uc7a5 \ube44\uc911\uc744 \ucc28\uc9c0\ud558\ub294 \uac83\uc740 \ubc14\ub85c \uc8fc\ud0dd\uc774\ub2e4. \ubca0\uc774\ube44\ubd90 \uc138\ub300 \ub300\ubd80\ubd84\uc740 \uae08\uc735\uc704\uae30 \uc774\ud6c4\ub098 \ud32c\ub370\ubbf9 \uc774\ud6c4 \ub098\ud0c0\ub09c \uc5ed\ub300 \ucd5c\uc800 \uae08\ub9ac \uc2dc\uae30\uc5d0 \uc8fc\ud0dd\uc744 \ub9e4\uc6b0 \uc800\ub834\ud55c \uac00\uaca9\uc73c\ub85c \uad6c\uc785\ud558\ub294 \ud61c\ud0dd\uc744 \ub204\ub838\ub2e4. Fed\uc790\ub8cc\uc5d0 \ub530\ub974\uba74 \uc62c\ud574 2\ubd84\uae30 \uc804\uad6d \uc8fc\ud0dd \uc911\uac04\uac00\uaca9\uc740 41\ub9cc800\ub2ec\ub7ec\ub85c, \ud32c\ub370\ubbf9 \uc9c1\uc804\uc778 2020\ub144 32\ub9cc7,100\ub2ec\ub7ec\ubcf4\ub2e4 \ud06c\uac8c \uc62c\ub790\ub2e4. \ud2b9\ud788 \ubd81\ub3d9\ubd80(79\ub9cc6,700\ub2ec\ub7ec), \uc11c\ubd80(53\ub9cc1,100\ub2ec\ub7ec) \ub4f1 \uc9c0\uc5ed\uc758 \uc0c1\uc2b9\ud3ed\uc740 \ub354\uc6b1 \ud06c\ub2e4. 1976\ub144 1\ubd84\uae30, \uace0\ub839 \ubca0\uc774\ube44\ubd90 \uc138\ub300\uac00 30\uc138 \ubb34\ub835\uc774\ub358 \uc2dc\uae30\uc758 \uc8fc\ud0dd \uc911\uac04\uac00\uaca9\uc740 4\ub9cc2,800\ub2ec\ub7ec\uc600\uace0, \uc778\ud50c\ub808\uc774\uc158\uc744 \ubc18\uc601\ud574\ub3c4 \uc9c0\uae08\uc758 \uc808\ubc18 \uc218\uc900\uc778 24\ub9cc2,400\ub2ec\ub7ec\uc5d0 \ubd88\uacfc\ud55c \uc218\uc900\uc774\ub2e4.<\/p>\n\n\n\n

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