{"id":37846,"date":"2026-01-09T22:29:48","date_gmt":"2026-01-10T03:29:48","guid":{"rendered":"https:\/\/koreatimesphila.com\/?p=37846"},"modified":"2026-01-09T22:29:50","modified_gmt":"2026-01-10T03:29:50","slug":"%ec%8b%a0%eb%85%84-%ea%b8%b0%ed%9a%8d-%ec%97%b0%ec%b4%88-%ec%8b%9c%ec%9e%91%ed%95%98%eb%a9%b4-%ec%a2%8b%ec%9d%80-%ed%88%ac%ec%9e%90%c2%b7%ec%a0%80%ec%b6%95%ea%b3%84%ed%9a%8d-401k","status":"publish","type":"post","link":"https:\/\/koreatimesphila.com\/en\/%ec%8b%a0%eb%85%84-%ea%b8%b0%ed%9a%8d-%ec%97%b0%ec%b4%88-%ec%8b%9c%ec%9e%91%ed%95%98%eb%a9%b4-%ec%a2%8b%ec%9d%80-%ed%88%ac%ec%9e%90%c2%b7%ec%a0%80%ec%b6%95%ea%b3%84%ed%9a%8d-401k\/","title":{"rendered":"[\uc2e0\ub144 \uae30\ud68d – \uc5f0\ucd08 \uc2dc\uc791\ud558\uba74 \uc88b\uc740 \ud22c\uc790\u00b7\uc800\ucd95\uacc4\ud68d] \u201c401(k)(\uc9c1\uc7a5\ud1f4\uc9c1\uc5f0\uae08)\u00b7IRA(\uac1c\uc778\uc740\ud1f4\uacc4\uc88c) \uc7ac\uc810\uac80\u2026 \uaf2d \uac00\uc785\ud558\uace0 \ubd84\ub2f4\uae08 \ub298\ub824\uc57c\u201d"},"content":{"rendered":"

\u25b6 \ubb3c\uac00 \ub9de\ucdb0 \uc790\ub3d9\uc774\uccb4\ub85c \uc6d4 \uae08\uc561 \uc778\uc0c1 \ud544\uc218<\/p>\n\n\n\n

\u25b6 \uace0\uc6a9\uc8fc\uac00 \ub9e4\uce6d \uc81c\uacf5\ud558\uba74 \ubc18\ub4dc\uc2dc \ud65c\uc6a9 \uc774\ub4dd
\u25b6 \ubbf8\uad6d\uc778 \ub178\ud6c4\uc900\ube44 \uc808\ubc18 \uc774\ud558, \uc77c\ucc0d \uc2dc\uc791\ud574\uc57c<\/p>\n\n\n\n

\uc0c8\ud574\ub97c \ub9de\uc544 \uc7ac\uc815 \ubaa9\ud45c\ub97c \uc138\uc6b0\ub294 \uc0ac\ub78c\ub4e4\uc5d0\uac8c 2026\ub144\uc740 \uc740\ud1f4 \uc900\ube44\ub97c\u2018\ubcf8\uaca9\uc801\uc73c\ub85c\u2019 \uac15\ud654\ud574\uc57c \ud558\ub294 \ud574\ub2e4. \ud2b9\ud788 \uc784\uae08 \uc778\uc0c1\uc744 \ubc1b\uc744 \uc608\uc815\uc774\ub77c\uba74, \uadf8 \uc99d\uac00\ubd84\uc744 \ub2e8\uc21c \uc18c\ube44\ub85c \ub118\uae30\uc9c0 \uc54a\uace0 IRA(\uac1c\uc778\uc740\ud1f4\uacc4\uc88c)\ub098 \uc9c1\uc7a5 \ud1f4\uc9c1\uc5f0\uae08\uc778 401(k)\uc640 \uac19\uc740 \uc740\ud1f4\uacc4\uc88c\ub85c \uace7\ubc14\ub85c \ub3cc\ub9ac\ub294 \uc804\ub7b5\uc774 \ud1f4\uc9c1 \ud6c4 \uc548\uc815\uc801\uc778 \uc0b6\uc744 \ubcf4\uc7a5\ud558\ub294 \ud575\uc2ec \ud3ec\uc778\ud2b8\ub2e4.<\/p>\n\n\n\n

USA\ud22c\ub370\uc774\uc5d0 \ub530\ub974\uba74 \ub9ce\uc740 \uc9c1\uc7a5\uc778\uc774 \uc0c8\ud574\uac00 \ub418\uba74 \uc5f0\ubd09 \uc778\uc0c1\uc774\ub098 \ubcf4\ub108\uc2a4\ub97c \uae30\ub300\ud558\uc9c0\ub9cc, \ud1b5\uc7a5\uc5d0 \ucc0d\ud788\ub294 \uc22b\uc790\uac00 \ub298\uc5b4\ub098\ub294 \uc21c\uac04 \uc0c8\ub85c\uc6b4 \uc9c0\ucd9c\uc744 \ub298\ub9ac\ub294 \uc0ac\ub78c\ub4e4\uc774 \ud0dc\ubc18\uc774\ub2e4. \uad6c\ub3c5 \uc11c\ube44\uc2a4 \ucd94\uac00, \ucd5c\uc2e0\ud615 \uc2a4\ub9c8\ud2b8\ud3f0 \uad6c\ub9e4, \ud639\uc740 \ub354 \ube44\uc2fc \uc678\uc2dd \ub4f1 \uc774\ub978\ubc14 \u2018\ub77c\uc774\ud504\uc2a4\ud0c0\uc77c \uc778\ud50c\ub808\uc774\uc158\u2019(Lifestyle Inflation)\uc774 \ubc1c\uc0dd\ud558\ub294 \uac83\uc774\ub2e4.<\/p>\n\n\n\n

\u25b2 \uc775\uc219\ud574\uc9c0\uae30 \uc804 \uc790\ub3d9 \uc801\ub9bd\ud544\uc218<\/strong><\/p>\n\n\n\n

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

2026\ub144 \uc0c8\ud574\uc5d0 \uae09\uc5ec\uac00 \uc624\ub974\ub294 \uc9c1\uc7a5\uc778\uc740 \ub9ce\ub2e4. \ud558\uc9c0\ub9cc \uc778\uc0c1\ub41c \uae09\uc5ec\ub97c \uadf8\ub0e5 \uc18c\ube44\ub85c \ud758\ub824\ubcf4\ub0b4\uae30\ubcf4\ub2e4 \uc989\uc2dc \uc740\ud1f4\uacc4\uc88c\ub85c \uc62e\uae30\ub294 \uac83\uc774 \uc7a5\uae30 \uc7ac\uc815\uc5d0 \ubbf8\uce58\ub294 \ud6a8\uacfc\uac00 \ud6e8\uc52c \ud06c\ub2e4\ub294 \uac83\uc774 \uae08\uc735 \uc804\ubb38\uac00\ub4e4\uc758 \uc77c\uad00\ub41c \uc870\uc5b8\uc774\ub2e4. \u2018\ub354 \ub9ce\uc740 \uae09\uc5ec\u2019\ub97c \uacbd\ud5d8\ud558\uae30 \uc804\uc5d0, \uae09\uc5ec\uc5d0\uc11c \uc790\ub3d9\uc73c\ub85c \uc740\ud1f4\uc800\ucd95 \ube44\uc728\uc744 \ub192\uc774\ub294 \uac83\uc774 \uac00\uc7a5 \uc548\uc804\ud55c \uc804\ub7b5\uc774\ub77c\ub294 \uc870\uc5b8\uc774\ub2e4. \uc9c1\uc7a5\uc5d0\uc11c 401(k) \ud50c\ub79c\uc5d0 \uac00\uc785\ub3fc \uc788\ub2e4\uba74 \uae09\uc5ec \ub2f4\ub2f9\ubd80\uc11c\uc5d0 \uae30\uc5ec \ube44\uc728\uc744 \uc0c1\ud5a5 \uc870\uc815\ud574 \ub2ec\ub77c\uace0 \uc694\uccad\ud574\uc57c \ud55c\ub2e4. IRA\ub97c \uac16\uace0 \uc788\ub2e4\uba74 \uc6d4 \uc790\ub3d9\uc774\uccb4 \uae08\uc561\uc744 \uc778\uc0c1\ud574 \ucd94\uac00 \uae09\uc5ec\ubd84\uc744 \ubc18\uc601\ud558\ub294 \ubc29\ubc95\ub3c4 \uc788\ub2e4.<\/p>\n\n\n\n

\u25b2 401(k)\u00b7IRA \uc800\ucd95\ub960\uc740 \ube60\ub974\uac8c \uc99d\uac00\uc138<\/strong><\/p>\n\n\n\n

\uc9c1\uc7a5\uc778\ub4e4\uc758 \uc740\ud1f4 \uc800\ucd95\ub960\uc740 \ub192\uc544\uc9c0\uace0 \uc788\ub2e4. \ud53c\ub378\ub9ac\ud2f0\uc758 2025\ub144 \uc870\uc0ac\uc5d0\uc11c\ub294 401(k) \ucc38\uac00\uc790\uc758 \ucd1d \uc800\ucd95\ub960\uc774 14.2% \uc774\uc0c1\uc73c\ub85c, \uad8c\uc7a5\ud558\ub294 15% \uc218\uc900\uc5d0 \uadfc\uc811\ud588\ub2e4. \uc9c1\uc6d0 \uae30\uc5ec\uc728\uc774 9.5% \uc218\uc900\uc778\ub370, \uc5ec\uae30\uc5d0 \ud3c9\uade0 4.7% \uc218\uc900\uc758 \uace0\uc6a9\uc8fc \ub9e4\uce6d\uc774 \ub354\ud574\uc9c4 \uacb0\uacfc\ub2e4. \ud3c9\uade0 IRA \uc794\uc561 \uc5ed\uc2dc \uc9c0\uc18d\uc801\uc778 \uc99d\uac00\uc138\ub97c \ubcf4\uc774\uba70 \uc9c0\ub09c\ud574 \uae30\uc900 \uc57d 13\ub9cc7,900\ub2ec\ub7ec\ub97c \uae30\ub85d\ud588\ub2e4. \ud558\uc9c0\ub9cc \uc800\ucd95\uae08\uc561 \uc801\uc5b4 \uc7ac\uc815\uc801 \uc900\ube44\uac00 \ucda9\ubd84\uce58 \uc54a\uc740 \uac00\uad6c\ub4e4\ub3c4 \ub9ce\ub2e4. \ubc45\uac00\ub4dc\uc758 \ubcf4\uace0\uc11c\uc5d0 \ub530\ub974\uba74 \ubbf8\uad6d\uc778\uc758 \uc808\ubc18 \uc774\ud558\ub9cc\uc774 \uc740\ud1f4 \ud6c4 \uae30\uc874 \uc0dd\ud65c\uc218\uc900\uc744 \uc720\uc9c0\ud560 \uc900\ube44\uac00 \ub3fc \uc788\ub294 \uc0c1\ud669\uc774\ub77c\ub294 \ubd84\uc11d\ub3c4 \ub098\uc628\ub2e4.<\/p>\n\n\n\n

\u25b2 \uace0\uc6a9\uc8fc \ub9e4\uce6d \ud61c\ud0dd\uc740 \u2018\ubb34\ub8cc \ub3c8\u2019<\/strong><\/p>\n\n\n\n

401(k)\uc758 \uac00\uc7a5 \ud070 \uc7a5\uc810 \uc911 \ud558\ub098\ub294 \ubc14\ub85c \u2018\uace0\uc6a9\uc8fc \ub9e4\uce6d\u2019\uc774\ub2e4. \ub300\ubd80\ubd84\uc758 \uae30\uc5c5\uc774 401(k) \ud50c\ub79c\uc5d0 \ub300\ud574 \uc5f0\ubd09\uc758 4~6% \ubc94\uc704 \uc548\uc5d0\uc11c \ub9e4\uce6d\uc744 \uc81c\uacf5\ud55c\ub2e4. \uc774 \ud61c\ud0dd\uc740 \ub2e8\uc21c\ud55c \ucd94\uac00 \uc801\ub9bd\uae08\uc744 \ub118\uc5b4, \ubcf5\ub9ac\ud6a8\uacfc\ub85c \uc218\uc2ed\ub144 \ud6c4 \ud070 \uc790\uc0b0 \ucc28\uc774\ub97c \ub9cc\ub4e4 \uc218 \uc788\ub2e4. \ud558\uc9c0\ub9cc \ub9ce\uc740 \uc9c1\uc7a5\uc778\uc774 \ub9e4\uce6d\uc758 \uc808\ubc18\uc744 \ucc44\uc6b0\uc9c0 \ubabb\ud558\ub294 \uacbd\uc6b0\uac00 \uc788\ub2e4. \uc608\ucee8\ub300 \ud68c\uc0ac\uac00 \u201c\uc5f0\ubd09\uc758 6%\uae4c\uc9c0 50% \ub9e4\uce6d\u201d\uc744 \uc81c\uacf5\ud55c\ub2e4\uba74, \uc9c1\uc6d0\uc740 \ucd5c\uc18c 6%\ub97c \uc800\ucd95\ud574\uc57c \ucd5c\ub300 \ub9e4\uce6d\uc744 \ubc1b\uc744 \uc218 \uc788\ub2e4. \uc774\ub97c \ub193\uce58\uba74 \uc2e4\uc9c8\uc801\uc73c\ub85c \uc5f0\ubd09\uc758 \uc77c\ubd80\ub97c \u2018\ud3ec\uae30\u2019\ud558\ub294 \uac83\uacfc \uac19\ub2e4.<\/p>\n\n\n\n

\u25b2 \uacb0\ub2e8\uc774 \ub9cc\ub4dc\ub294 \uc218\uc2ed\ub9cc \ub2ec\ub7ec\uc758 \uac00\uce58<\/strong><\/p>\n\n\n\n

\uc784\uae08\uc774 \uc778\uc0c1\ub418\ub294 \uc62c\ud574\ub77c\uba74, \uadf8 \uc99d\uac00\ubd84\uc744 \ub2e8\uc9c0 \uc18c\ube44\ud558\ub294 \uac83\uc774 \uc544\ub2c8\ub77c \ubbf8\ub798\uc758 \ub098\ub97c \uc704\ud55c \ud22c\uc790\ub85c \uc5f0\uacb0\ud558\ub294 \uac83\uc774 \ucd5c\uc120\uc758 \uc120\ud0dd\uc774\ub2e4. 401(k)\u00b7IRA \uac19\uc740 \uc740\ud1f4\uacc4\uc88c\ub294 \ub2e8\uc21c\ud55c \uc800\ucd95 \uc218\ub2e8\uc774 \uc544\ub2c8\ub77c \uc138\uc81c \ud61c\ud0dd, \uace0\uc6a9\uc8fc \ub9e4\uce6d, \ubcf5\ub9ac \uc131\uc7a5\uc774\ub77c\ub294 \uba40\ud2f0 \ub808\ubc84\ub9ac\uc9c0\ub97c \uac00\uc9c0\uace0 \uc788\ub2e4. \uc62c\ud574 \ucd08 \uacc4\uc88c\ub97c \uc810\uac80\ud558\uace0 \uc790\ub3d9\ud654\uc2dc\ud0a4\uba70, \ub9e4\uce6d \uae30\ud68c\ub97c \ucd5c\ub300\ud55c \ud65c\uc6a9\ud558\ub294 \uac83\uc774 \ubc14\ub85c 2026\ub144\uc744 \u2018\uc740\ud1f4 \uacc4\ud68d\uc758 \uc804\ud658\uc810\u2019\uc73c\ub85c \ub9cc\ub4dc\ub294 \ud575\uc2ec \uc804\ub7b5\uc774\ub2e4. \ud55c \uc740\ud1f4 \uc124\uacc4 \uc804\ubb38\uac00\ub294 \u201c\uc784\uae08 \uc778\uc0c1 \uc2dc\uc810\uc740 \uc740\ud1f4 \uc900\ube44\ub97c \uac00\uc18d\ud560 \uc218 \uc788\ub294 \uac00\uc7a5 \uac15\ub825\ud55c \ud0c0\uc774\ubc0d\u201d\uc774\ub77c\uba70 \u201c\uc18c\ub4dd\uc774 \ub298\uc5b4\ub09c \uccab \uc21c\uac04\uc5d0 \uc800\ucd95 \ube44\uc728\uc744 \ub192\uc5ec \uc790\ub3d9\ud654\ud558\uba74, \uc0dd\ud65c \uc218\uc900\uc744 \ud76c\uc0dd\ud558\uc9c0 \uc54a\uc73c\uba74\uc11c\ub3c4 \uc7a5\uae30\uc801\uc73c\ub85c \uc218\uc2ed\ub9cc \ub2ec\ub7ec\uc758 \ucc28\uc774\ub97c \ub9cc\ub4e4 \uc218 \uc788\ub2e4\u201d\uace0 \uc870\uc5b8\ud588\ub2e4.<\/p>\n\n\n\n

<\ubc15\ud64d\uc6a9 \uae30\uc790><\/p>","protected":false},"excerpt":{"rendered":"

\u25b6 \ubb3c\uac00 \ub9de\ucdb0 \uc790\ub3d9\uc774\uccb4\ub85c \uc6d4 \uae08\uc561 \uc778\uc0c1 \ud544\uc218 \u25b6 \uace0\uc6a9\uc8fc\uac00 \ub9e4\uce6d \uc81c\uacf5\ud558\uba74 \ubc18\ub4dc\uc2dc \ud65c\uc6a9 \uc774\ub4dd\u25b6…<\/p>","protected":false},"author":1,"featured_media":37850,"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-37846","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-politics","tag-2282"],"yoast_head":"\n[\uc2e0\ub144 \uae30\ud68d - \uc5f0\ucd08 \uc2dc\uc791\ud558\uba74 \uc88b\uc740 \ud22c\uc790\u00b7\uc800\ucd95\uacc4\ud68d] \u201c401(k)(\uc9c1\uc7a5\ud1f4\uc9c1\uc5f0\uae08)\u00b7IRA(\uac1c\uc778\uc740\ud1f4\uacc4\uc88c) \uc7ac\uc810\uac80\u2026 \uaf2d \uac00\uc785\ud558\uace0 \ubd84\ub2f4\uae08 \ub298\ub824\uc57c\u201d - \ud55c\uad6d\uc77c\ubcf4 \ud544\ub77c\ub378\ud53c\uc544<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/koreatimesphila.com\/en\/\uc2e0\ub144-\uae30\ud68d-\uc5f0\ucd08-\uc2dc\uc791\ud558\uba74-\uc88b\uc740-\ud22c\uc790\u00b7\uc800\ucd95\uacc4\ud68d-401k\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[\uc2e0\ub144 \uae30\ud68d - \uc5f0\ucd08 \uc2dc\uc791\ud558\uba74 \uc88b\uc740 \ud22c\uc790\u00b7\uc800\ucd95\uacc4\ud68d] \u201c401(k)(\uc9c1\uc7a5\ud1f4\uc9c1\uc5f0\uae08)\u00b7IRA(\uac1c\uc778\uc740\ud1f4\uacc4\uc88c) \uc7ac\uc810\uac80\u2026 \uaf2d \uac00\uc785\ud558\uace0 \ubd84\ub2f4\uae08 \ub298\ub824\uc57c\u201d - \ud55c\uad6d\uc77c\ubcf4 \ud544\ub77c\ub378\ud53c\uc544\" \/>\n<meta property=\"og:description\" content=\"\u25b6 \ubb3c\uac00 \ub9de\ucdb0 \uc790\ub3d9\uc774\uccb4\ub85c \uc6d4 \uae08\uc561 \uc778\uc0c1 \ud544\uc218 \u25b6 \uace0\uc6a9\uc8fc\uac00 \ub9e4\uce6d \uc81c\uacf5\ud558\uba74 \ubc18\ub4dc\uc2dc \ud65c\uc6a9 \uc774\ub4dd\u25b6...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/koreatimesphila.com\/en\/\uc2e0\ub144-\uae30\ud68d-\uc5f0\ucd08-\uc2dc\uc791\ud558\uba74-\uc88b\uc740-\ud22c\uc790\u00b7\uc800\ucd95\uacc4\ud68d-401k\/\" \/>\n<meta property=\"og:site_name\" content=\"\ud55c\uad6d\uc77c\ubcf4 \ud544\ub77c\ub378\ud53c\uc544\" \/>\n<meta property=\"article:published_time\" content=\"2026-01-10T03:29:48+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-10T03:29:50+00:00\" \/>\n<meta property=\"og:image\" 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