{"id":65,"date":"2025-06-28T00:22:04","date_gmt":"2025-06-27T15:22:04","guid":{"rendered":"https:\/\/joafinance.com\/?p=65"},"modified":"2026-02-20T22:12:04","modified_gmt":"2026-02-20T13:12:04","slug":"%ed%87%b4%ec%a7%81%ea%b8%88-%ec%a7%80%ea%b8%89-%ea%b8%b0%ec%a4%80-%eb%b0%8f-%ec%a1%b0%ea%b1%b4-%ec%95%8c%ec%95%84%eb%b3%b4%ea%b8%b0","status":"publish","type":"post","link":"https:\/\/joafinance.com\/?p=65","title":{"rendered":"\ud1f4\uc9c1\uae08 \uc9c0\uae09 \uae30\uc900 \uc644\ubcbd \uac00\uc774\ub4dc \u2013 \uc911\uac04\uc815\uc0b0\uacfc \uc800\uacc4\uc0b0\ubc95 \ud3ec\ud568"},"content":{"rendered":"\n<p>\u201c1\ub144\ub9cc \ucc44\uc6b0\uba74 \ud1f4\uc9c1\uae08 \ubc1b\uc744 \uc218 \uc788\ub2e4\ub294\ub370, \uc54c\ubc14\ub3c4 \ud574\ub2f9\ub418\ub098\uc694?\u201d<br>\u201c\uace7 \ud1f4\uc0ac \uc608\uc815\uc778\ub370 \ud1f4\uc9c1\uae08 \uc9c0\uae09 \uae30\ud55c\uc740 \uc5b8\uc81c\uae4c\uc9c0\uc778\uac00\uc694?\u201d<\/p>\n\n\n\n<p>\ud1f4\uc9c1\uc744 \uc55e\ub450\uace0 \uac00\uc7a5 \ub9ce\uc774 \uac80\uc0c9\ud558\ub294 \ud0a4\uc6cc\ub4dc\uac00 \ubc14\ub85c <strong>\ud1f4\uc9c1\uae08 \uc9c0\uae09 \uae30\uc900<\/strong>\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud2b9\ud788 1\ub144\uc744 \uc870\uae08 \ubabb \ucc44\uc6b4 \uacbd\uc6b0, \uc8fc 15\uc2dc\uac04\uc758 \uacbd\uacc4\uc120\uc5d0 \uac78\ub9b0 \uacbd\uc6b0\ucc98\ub7fc \uc560\ub9e4\ud55c \uc0c1\ud669\uc774 \ub9ce\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc774\ubc88 \uae00\uc5d0\uc11c\ub294 \ud1f4\uc9c1\uae08 \uacc4\uc0b0\ubc95\ubd80\ud130 \uc9c0\uae09 \uae30\ud55c, \uc138\uae08\uae4c\uc9c0 \ud55c \ubc88\uc5d0 \uc815\ub9ac\ud574 \ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n<div class=\"swell-block-postLink\">\t\t\t<div class=\"p-blogCard -external\" data-type=\"type3\" data-onclick=\"clickLink\">\n\t\t\t\t<div class=\"p-blogCard__inner\">\n\t\t\t\t\t<span class=\"p-blogCard__caption\">joafinance.com<\/span>\n\t\t\t\t\t<div class=\"p-blogCard__thumb c-postThumb\"><figure class=\"c-postThumb__figure\"><img decoding=\"async\" src=\"https:\/\/joafinance.com\/wp-content\/uploads\/2025\/08\/httpjoafinance.com_.jpg\" alt=\"\" class=\"c-postThumb__img u-obf-cover\" width=\"320\" height=\"180\"><\/figure><\/div>\t\t\t\t\t<div class=\"p-blogCard__body\">\n\t\t\t\t\t\t<a class=\"p-blogCard__title\" href=\"https:\/\/joafinance.com\/?p=92\" target=\"_blank\" rel=\"noopener noreferrer\">\ud1f4\uc0ac \ud1b5\ubcf4 \uba58\ud2b8 \uc608\uc2dc \ubc0f \uc218\uc2b5\uae30\uac04 \ud1f4\uc0ac \uc0ac\uc720 \uc815\ub9ac &#8211; \uc870\uc544\ud30c\uc774\ub0b8\uc2a4<\/a>\n\t\t\t\t\t\t<span class=\"p-blogCard__excerpt\">\uc9c1\uc7a5 \uc0dd\ud65c\uc744 \ud558\ub2e4 \ubcf4\uba74 \ud1f4\uc0ac\ub97c \uace0\ubbfc\ud558\uac8c \ub418\ub294 \uc21c\uac04\uc774 \ucc3e\uc544\uc62c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \ub9c9\uc0c1 \ud1f4\uc0ac\ub97c \uacb0\uc2ec\ud558\ub354\ub77c\ub3c4 \uc5b4\ub5a4 \uba58\ud2b8\ub97c \uc368\uc57c \ud560\uc9c0, \ud1f4\uc0ac \uc0ac\uc720\ub97c \uc5b4\ub5bb\uac8c \uc124\uba85\ud574\uc57c \ud560\uc9c0 \uace0&#8230;<\/span>\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\n<h2 class=\"wp-block-heading\">\ud1f4\uc9c1\uae08\uc774\ub780?<\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/images.surferseo.art\/08ef3219-6f7f-42a6-b02e-9e4316a262ce.jpeg\" alt=\"\"\/><\/figure>\n\n\n\n<p>(\ucd9c\ucc98: <a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/www.nc.press\/news\/articleView.html?idxno=568715\">\ub274\uc2a4\uceec\ucc98<\/a>)<\/p>\n\n\n\n<p>\ud1f4\uc9c1\uae08\uc740 \uc0ac\uc6a9\uc790\uac00 \uadfc\ub85c\uc790\uac00 \ud1f4\uc9c1\ud560 \ub54c \uc9c0\uae09\ud574\uc57c \ud558\ub294 \ubc95\uc815 \uae09\uc5ec\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ubc95\uc801 \uadfc\uac70\ub294 \u300c\uadfc\ub85c\uae30\uc900\ubc95\u300d\uacfc \u300c\uadfc\ub85c\uc790\ud1f4\uc9c1\uae09\uc5ec \ubcf4\uc7a5\ubc95\u300d\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uae30\ubcf8 \uad6c\uc870\ub294 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p><strong>1\ub144 \uadfc\uc18d \uc2dc \ud3c9\uade0\uc784\uae08 30\uc77c\ubd84 \uc774\uc0c1 \uc9c0\uae09<\/strong><\/p>\n\n\n\n<p>\uc774\ub294 \ud68c\uc0ac \uaddc\ubaa8, \uc815\uaddc\uc9c1\u00b7\uacc4\uc57d\uc9c1\u00b7\uc544\ub974\ubc14\uc774\ud2b8 \uc5ec\ubd80\uc640 \uad00\uacc4\uc5c6\uc774 \ub3d9\uc77c\ud558\uac8c \uc801\uc6a9\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ud1f4\uc9c1\uae08 \uc9c0\uae09 \uc870\uac74\uc740?<\/h2>\n\n\n\n<p>\ud1f4\uc9c1\uae08\uc744 \ubc1b\uae30 \uc704\ud574\uc11c\ub294 \uc544\ub798 \ub450 \uac00\uc9c0\ub97c \ubaa8\ub450 \ucda9\uc871\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uacc4\uc18d \uadfc\ub85c \uae30\uac04\uc778 1\ub144 \uc774\uc0c1<\/h3>\n\n\n\n<p>\ud558\ub8e8\ub77c\ub3c4 \ubaa8\uc790\ub77c\uba74 \ubc95\uc801 \ud1f4\uc9c1\uae08 \uc9c0\uae09 \uc758\ubb34\ub294 \ubc1c\uc0dd\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc785\uc0ac\uc77c\ubd80\ud130 \ud1f4\uc9c1\uc77c\uae4c\uc9c0 \uc77c\uc218<\/li>\n\n\n\n<li>\uc218\uc2b5\uae30\uac04 \ud3ec\ud568<\/li>\n\n\n\n<li>\uc720\uae09\ud734\uac00, \ubcd1\uac00, \ucd9c\uc0b0\ud734\uac00 \ud3ec\ud568<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">4\uc8fc \ud3c9\uade0 1\uc8fc \uc18c\uc815 \uadfc\ub85c \uc2dc\uac04<\/h3>\n\n\n\n<p><strong>1\ub144 + \uc8fc15\uc2dc\uac04 \uc774\uc0c1<\/strong>\uc774 \ud575\uc2ec \uae30\uc900\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc720\uae09\ubcd1\uac00, \ubcd1\uac00, \ucd9c\uc0b0\ud734\uac00 \ub4f1 \ubaa8\ub450 \uadfc\uc18d\uae30\uac04\uc5d0 \ud3ec\ud568\ub428<\/li>\n\n\n\n<li>4\uc8fc \ud3c9\uade0\uc73c\ub85c \uacc4\uc0b0\ud558\uae30 \ub54c\ubb38\uc5d0, \uc5b4\ub5a4\uc8fc\ub294 10\uc2dc\uac04 \uc5b4\ub5a4 \uc8fc\ub294 20\uc2dc\uac04 \uc77c\ud574\ub3c4 \ud3c9\uade0\uc774 15\uc2dc\uac04\uc774 \ub118\uc73c\uba74 \uac00\ub2a5<\/li>\n\n\n\n<li>\uc0ac\uc5c5\uc7a5 \uaddc\ubaa8 \uc0c1\uad00\uc5c6\uc774 \uc9c1\uc6d0\uc774 1\uba85\uc774\ub4e0 100\uba85\uc774\ub4e0, \uc54c\ubc14\ub4e0 \uacc4\uc57d\uc9c1\uc774\ub4e0 \uc815\uaddc\uc9c1\uc774\ub4e0 \uc0c1\uad00\uc5c6\uc74c<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">\ud1f4\uc9c1\uae08 \uc9c0\uae09 \uae30\uc900 \uc54c\uc544\ubcf4\uae30<\/h2>\n\n\n\n<p>1\ub144 \uc774\uc0c1 \uadfc\ubb34\ud55c \uadfc\ub85c\uc790\ub77c\uba74, \ub204\uad6c\ub098 \ubc1b\uc744 \uc218 \uc788\ub294 \ud1f4\uc9c1\uae08!<\/p>\n\n\n\n<p>\uc54c\ubc14\ub3c4 \ubc1b\uc744 \uc218 \uc788\ub294\uc9c0, \uace7 \uadf8\ub9cc \ub458 \uc608\uc815\uc778\ub300 \ubc1b\uc744 \uc218 \uc788\ub294\uc9c0 \uad81\uae08\ud558\uc2dc\uc8e0?<\/p>\n\n\n\n<p>\uc624\ub298\uc740 \ud1f4\uc9c1\uae08\uc744 \ubc1b\uc73c\ub824\uba74 \uc5b4\ub5a4 \uc870\uac74\uc744 \ucda9\uc871\ud574\uc57c \ud558\ub294\uc9c0 \uc54c\uc544\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ud1f4\uc9c1\uae08\uc774\ub780?<\/h3>\n\n\n\n<p>\ud1f4\uc9c1\uae08\uc740 \uc0ac\uc6a9\uc790 \uc989 \uace0\uc6a9\uc8fc\uac00 \ud1f4\uc9c1\ud558\ub294 \uadfc\ub85c\uc790\uc5d0\uac8c \ud3c9\uade0\uc784\uae08\uc744 \ud1f4\uc9c1\uae08\uc73c\ub85c \uc9c0\uae09\ud558\ub294 \uac83\uc744 \ub9d0\ud569\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ud1f4\uc9c1\uae08 \uc9c0\uae09 \uae30\uc900<\/h3>\n\n\n\n<p>\uadfc\ub85c\uc790\uac00 \uc544\ub798 \ub450\uac00\uc9c0 \uc870\uac74\uc744 \ubaa8\ub450 \ucda9\uc871\ud560 \uacbd\uc6b0\uc5d0\ub294 \uc0ac\uc5c5\uc7a5\uc758 \uaddc\ubaa8\uc640 \uadfc\ub85c\ud615\ud0dc, \ud1f4\uc9c1 \uc0ac\uc720\uc5d0 \uad00\uacc4\uc5c6\uc774 \ud1f4\uc9c1\uae09\uc744 \uc9c0\uae09\ud574\uc57c \ud569\ub2c8\ub2e4. \ub2e8 \ud558\ub8e8\ub77c\ub3c4 \ubaa8\uc790\ub77c\uba74 \ubc1b\uc744 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\uacc4\uc18d \uadfc\ub85c \uae30\uac04\uc778 1\ub144 \uc774\uc0c1<\/li>\n<\/ol>\n\n\n\n<p>(\uadfc\ub85c \uacc4\uc57d \uccb4\uacb0\uc77c\ubd80\ud130 \ud1f4\uc9c1\uc77c\uae4c\uc9c0 \uae30\uac04 = \uc218\uc2b5\uae30\uac04\uacfc \ud734\uac00 \ub4f1 \ud3ec\ud568\ud55c \uc804\uccb4\uae30\uac04)<\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li>4\uc8fc \ud3c9\uade0 1\uc8fc \uc18c\uc815 \uadfc\ub85c \uc2dc\uac04\uc774 15\uc2dc\uac04 \uc774\uc0c1<\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc720\uae09\ubcd1\uac00, \ubcd1\uac00, \ucd9c\uc0b0\ud734\uac00 \ub4f1 \ubaa8\ub450 \uadfc\uc18d\uae30\uac04\uc5d0 \ud3ec\ud568\ub428<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">\ud1f4\uc9c1\uae08 \uc138\uae08 \uc5bc\ub9c8\ub098 \ub5bc\ub098\uc694?<\/h2>\n\n\n\n<p>\ub9ce\uc774 \uac71\uc815\ud558\ub294 \ubd80\ubd84\uc774 <strong>\ud1f4\uc9c1\uae08 \uc138\uae08<\/strong>\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud1f4\uc9c1\uae08\uc740 \uc77c\ubc18 \uadfc\ub85c\uc18c\ub4dd\uacfc \ub2e4\ub974\uac8c <strong>\ud1f4\uc9c1\uc18c\ub4dd\uc138<\/strong>\uac00 \uc801\uc6a9\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud1f4\uc9c1\uc18c\ub4dd\uc138\ub294 \uadfc\uc18d\uc5f0\uc218\uc5d0 \ub530\ub77c \uc138 \ubd80\ub2f4\uc774 \ub0ae\uc544\uc9c0\ub294 \uad6c\uc870\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uadfc\uc18d\uae30\uac04\uc774 \uae38\uc218\ub85d \uc138\uc728\uc774 \uc644\ud654\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc77c\ubc18 \uc6d4\uae09\ucc98\ub7fc \ub192\uc740 \uc138\uc728\uc774 \uc801\uc6a9\ub418\uc9c0\ub294 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud1f4\uc9c1\uc18c\ub4dd\uc138 \uacc4\uc0b0\uc740 \uad6d\uc138\uccad \ud648\ud0dd\uc2a4\uc5d0\uc11c \ud655\uc778 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ud1f4\uc9c1\uae08 \uc9c0\uae09 \uae30\ud55c<\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/images.surferseo.art\/8b27a0f6-5ac7-4100-a805-19173342f6a5.png\" alt=\"\"\/><\/figure>\n\n\n\n<p>(\ucd9c\ucc98: <a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/ceo.baemin.com\/knowhow\/7318?one_depth=%EA%B0%80%EA%B2%8C%EC%9A%B4%EC%98%81&amp;two_depth=%EC%A7%81%EC%9B%90%EA%B4%80%EB%A6%AC\">\ubc30\ubbfc\uc678\uc2dd\uc5c5\uad11\uc7a5<\/a>)<\/p>\n\n\n\n<p>\ud1f4\uc9c1\uae08\uc740 \uadfc\ub85c\uc790\uac00 \ud1f4\uc9c1\ud55c \ud1f4\uc9c1\uc77c\ub85c\ubd80\ud130 14\uc77c \uc774\ub0b4\uc5d0 \uc9c0\uae09\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud2b9\ubcc4\ud55c \uc0ac\uc815\uc774 \uc788\uc744 \uacbd\uc6b0\ub294 \uadfc\ub85c\uc790\uc778 \ub2f9\uc790\uc0ac\uc640 \ud569\uc758\ud574 \uc9c0\uae09\uae30\ud55c\uc744 \uc5f0\uc7a5\ud560 \uc218\uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uae30\ud55c \ub0b4\uc5d0 \ud1f4\uc9c1\uae09\uc744 \uc9c0\uae09\ud558\uc9c0 \uc54a\ub294 \uacbd\uc6b0\uc5d0\ub294 \uc9c0\uc5f0\uc774\uc790\uac00 \uc5f0 20% \ubc1c\uc0dd\ud558\uba70, \ucd5c\ub300 3\ub144 \uc774\ud558 \uc9d5\uc5ed \ub610\ub294 3,000\ub9cc\uc6d0 \uc774\ud558\uc758 \ubc8c\uae08 \ucc98\ubd84\uc744 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc9c0\uc5f0\uc774\uc790\uac00 \uc5f0 20%\ub77c\uba74, \uaf64 \ud070 \uae08\uc561\uc774\uc8e0?<\/p>\n\n\n\n<p>\uc774 \uc9c0\uae09 \uae30\ud55c\uc740 \ubc95\uc73c\ub85c \uc815\ud574\uc838 \uc788\ub294\ub370\uc694. \uadfc\ub85c\uae30\uc900\ubc95 \uc81c36\uc870\uc640 \ud1f4\uc9c1\uae09\uc5ec\ubc95 \uc81c9\uc870\uc5d0 \uba85\uc2dc\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ud1f4\uc9c1\uae08 \uc911\uac04\uc815\uc0b0 \uac00\ub2a5\ud55c \uacbd\uc6b0<\/h2>\n\n\n\n<p>\ud1f4\uc9c1\uae08\uc740 \uc6d0\uce59\uc801\uc73c\ub85c \ud1f4\uc9c1 \uc2dc \uc9c0\uae09\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud558\uc9c0\ub9cc <strong>\ud1f4\uc9c1\uae08 \uc911\uac04\uc815\uc0b0<\/strong>\uc774 \uac00\ub2a5\ud55c \uc608\uc678\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub300\ud45c \uc0ac\ub840\ub294 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ubb34\uc8fc\ud0dd\uc790\uc758 \uc8fc\ud0dd \uad6c\uc785<\/li>\n\n\n\n<li>\uc804\uc138\uae08 \ub9c8\ub828<\/li>\n\n\n\n<li>\ubcf8\uc778 \ub610\ub294 \uac00\uc871 6\uac1c\uc6d4 \uc774\uc0c1 \uce58\ub8cc<\/li>\n\n\n\n<li>\ud30c\uc0b0\u00b7\ud68c\uc0dd \uc808\ucc28<\/li>\n\n\n\n<li>\ucc9c\uc7ac\uc9c0\ubcc0 \ud53c\ud574<\/li>\n<\/ul>\n\n\n\n<p>\ud68c\uc0ac \uc2b9\uc778\uacfc \uc99d\ube59\uc11c\ub958\uac00 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc911\uac04\uc815\uc0b0\uc744 \ubc1b\uc558\ub354\ub77c\ub3c4 \uc774\ud6c4 \uadfc\uc18d\uae30\uac04\uc5d0 \ub300\ud574 \ub2e4\uc2dc \ud1f4\uc9c1\uae08\uc774 \ubc1c\uc0dd\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ud1f4\uc9c1\uae08 \uacc4\uc0b0\uae30<\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/images.surferseo.art\/dfd62387-9007-46ff-b718-8a91a1732a0c.jpeg\" alt=\"\"\/><\/figure>\n\n\n\n<p>\ucd9c\ucc98: <a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/www.korea.kr\/multi\/visualNewsView.do?newsId=148887629\">\ub300\ud55c\ubbfc\uad6d \uc815\ucc45 \ube0c\ub9ac\ud551<\/a><\/p>\n\n\n\n<p>\ud1f4\uc9c1\uae08 \uacc4\uc0b0\ubc95\uc740 \uacf5\uc2dd\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p><strong>\ud3c9\uade0\uc784\uae08<\/strong>\uc740 \uadfc\ub85c\uc790\uc5d0\uac8c \uc9c0\uae09\ub41c \uc2e4\uc81c \uc784\uae08\uc758 \ucd1d\uc561\uc774\uba70, \uae30\ubcf8\uae09, \uc218\ub2f9 \ub4f1 \uc784\uae08\uc758 \uc131\uaca9\uc744 \ub760\ub294 \ubaa8\ub4e0 \uae08\uc561\uc744 \ud3ec\ud568\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p><strong>1\uc77c \ud3c9\uade0\uc784\uae08 X 30\uc77c X (\ucd1d \uc7ac\uc9c1\uc77c\uc218 \u00f7 365\uc77c)<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ud3c9\uade0\uc784\uae08 \uacc4\uc0b0\ubc95<\/h3>\n\n\n\n<p><strong>\ud1f4\uc9c1 \uc804 3\uac1c\uc6d4 \uc784\uae08 \ucd1d\uc561 \u00f7 3\uac1c\uc6d4 \ucd1d\uc77c\uc218<\/strong><\/p>\n\n\n\n<p>\uc5ec\uae30\uc11c \ud3c9\uade0\uc784\uae08\uc5d0\ub294 \ub2e4\uc74c\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uae30\ubcf8\uae09<\/li>\n\n\n\n<li>\uc9c1\ucc45\uc218\ub2f9<\/li>\n\n\n\n<li>\uace0\uc815\uc218\ub2f9<\/li>\n\n\n\n<li>\uc0c1\uc5ec\uae08 \uc77c\ubd80<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\ud3c9\uade0\uc784\uae08 \uc0b0\uc815\uc5d0\uc11c \uc81c\uc678\ub418\ub294 \uae30\uac04\uc740?<\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\uadfc\ub85c\uacc4\uc57d\uc744 \uccb4\uacb0\ud558\uace0 \uc218\uc2b5 \uc911\uc5d0 \uc788\ub294 \uadfc\ub85c\uc790\uac00 \uc218\uc2b5\uc744 \uc2dc\uc791\ud55c \ub0a0\ubd80\ud130 3\uac1c\uc6d4 \uc774\ub0b4 \uae30\uac04<\/li>\n\n\n\n<li>\uace0\uc6a9\uc8fc\uc758 \uadc0\ucc45\uc0ac\uc720\ub85c \ud734\uc5c5\ud55c \uae30\uac04<\/li>\n\n\n\n<li>\ucd9c\uc0b0\uc804\ud6c4\ud734\uac00 \ubc0f \uc720\uc0b0\u00b7\uc0ac\uc0b0 \ud734\uac00 \uae30\uac04<\/li>\n\n\n\n<li>\uc5c5\ubb34\uc0c1 \ubd80\uc0c1 \ub610\ub294 \uc9c8\ubcd1\uc73c\ub85c \uc694\uc591\ud558\uae30 \uc704\ud574 \ud734\uc5c5\ud55c \uae30\uac04<\/li>\n\n\n\n<li>\uc721\uc544\ud734\uc9c1 \uae30\uac04<\/li>\n\n\n\n<li>\ud30c\uc5c5\u00b7\ud0dc\uc5c5\u00b7\uc9c1\uc7a5\ud3d0\uc1c4 \ub4f1\uc758 \uc7c1\uc758\ud589\uc704\uae30\uac04<\/li>\n\n\n\n<li>\ubcd1\uc5ed\uc758\ubb34\ub97c \uc774\ud589\ud558\uae30 \uc704\ud574 \ud734\uc9c1\ud558\uac70\ub098 \uadfc\ub85c\ud558\uc9c0 \ubabb\ud55c \uae30\uac04(\uc784\uae08\uc744 \uc9c0\uae09\ubc1b\uc740 \uacbd\uc6b0\uc5d0\ub294 \uc81c\uc678)<\/li>\n\n\n\n<li>\uc5c5\ubb34 \uc678 \ubd80\uc0c1\uc774\ub098 \uc9c8\ubcd1, \uadf8 \ubc16\uc758 \uc0ac\uc720\ub85c \uace0\uc6a9\uc8fc\uc758 \uc2b9\uc778\uc744 \ubc1b\uc544 \ud734\uc5c5\ud55c \uae30\uac04<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\">\uadf8\ub7fc \ud1f4\uc9c1\uae08, \ubaa8\uc758\uacc4\uc0b0 \ud574\ubcfc\uae4c\uc694?<\/h3>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/images.surferseo.art\/2c3c0db2-5433-4784-a775-d18b21f6a9de.png\" alt=\"\"\/><\/figure>\n\n\n\n<p>\ucd9c\ucc98: <a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/www.moel.go.kr\/retirementpayCal.do\">\uace0\uc6a9\ub178\ub3d9\ubd80<\/a><\/p>\n\n\n\n<p>\uadfc\ub85c\uc790 \u2018\ud64d\uae38\ub3d9\u2019\uc774 2025\ub144 3\uc6d4 1\uc77c\uc5d0 \uc785\uc0ac\ud574\uc11c 2026\ub144 5\uc6d4 31\uc77c\uc5d0 \ud1f4\uc9c1\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\uc6d4\uae09: 250\ub9cc\uc6d0<\/li>\n\n\n\n<li>\ucd1d \uc7ac\uc9c1\uc77c\uc218: 456\uc77c<\/li>\n\n\n\n<li>\ud3c9\uade0\uc784\uae08: (250\ub9cc \uc6d0 X 3\uac1c\uc6d4) \u00f7 92\uc77c = 81,522\uc6d0<\/li>\n\n\n\n<li>\ud1f4\uc9c1\uae08: 81,522\uc6d0 X 30\uc77c X (457\uc77c \u00f7 365\uc77c) = 3,062,100\uc6d0<\/li>\n<\/ol>\n\n\n\n<p>\uacc4\uc0b0\ud558\uae30 \ud5f7\uac08\ub9ac\uba74, \uace0\uc6a9\ub178\ub3d9\ubd80\uc5d0\uc11c \uc81c\uacf5\ud558\ub294 \ud1f4\uc9c1\uae08 \uacc4\uc0b0\uae30 \uc774\uc6a9\uc73c\ub85c \ud6e8\uc52c \uc815\ud655\ud558\uace0 \ube60\ub974\uac8c \uacc4\uc0b0\ud560 \uc218 \uc788\uc5b4\uc694.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uc721\uc544\ud734\uc9c1 \ub4f1 \uadfc\ub85c\uc790\uc758 \ud1f4\uc9c1\uae08 \uc0b0\uc815\ubc29\ubc95<\/h3>\n\n\n\n<p>\uc721\uc544\ud734\uc9c1 \ub4f1\uc758 \uadfc\ub85c\uc790\uc758 \ud1f4\uc9c1\uae08\uc744 \uc0b0\uc815\ud558\ub294 \ubc29\ubc95\uc740 \uc870\uae08 \ub2e4\ub978\ub300\uc694.(\uadfc\ub85c\uae30\uc900\ubc95\uc5d0 \uc758\uac70)<\/p>\n\n\n\n<p>\ud3c9\uade0\uc784\uae08 \uc0b0\uc815\uae30\uac04 \uc911\uc5d0 \ucd9c\uc0b0\uc804\ud6c4\ud734\uac00 \ubc0f \uc720\uc0b0\u00b7\uc0ac\uc0b0 \ud734\uac00 \uae30\uac04\uacfc \uc721\uc544\ud734\uc9c1 \uae30\uac04\uc774 \uc788\ub294 \uacbd\uc6b0\uc5d0\ub294 \uadf8 \uae30\uac04\uacfc \uadf8 \uae30\uac04 \uc911\uc5d0 \uc9c0\uae09\ub41c \uc784\uae08\uc740 \ud3c9\uade0\uc784\uae08 \uc0b0\uc815\uae30\uc900\uc774 \ub418\ub294 \uae30\uac04\uacfc \uc784\uae08\uc758 \ucd1d\uc561\uc5d0\uc11c \uac01\uac01 \ube8d\ub2c8\ub2e4&nbsp;<\/p>\n\n\n\n<p>\uc721\uc544\uae30 \uadfc\ub85c\uc2dc\uac04 \ub2e8\ucd95\uc744 \ud55c \uadfc\ub85c\uc790\uc5d0 \ub300\ud574\uc11c \ud3c9\uade0\uc784\uae08\uc744 \uc0b0\uc815\ud558\ub294 \uacbd\uc6b0\uc5d0\ub294 \uadf8 \uadfc\ub85c\uc790\uc758 \uc721\uc544\uae30 \uadfc\ub85c\uc2dc\uac04 \ub2e8\ucd95 \uae30\uac04\uc744 \ud3c9\uade0\uc784\uae08 \uc0b0\uc815\uae30\uac04\uc5d0\uc11c \uc81c\uc678\ud569\ub2c8\ub2e4<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uc7ac\uc9c1\uc77c\uc218 365\uc77c \ubbf8\ub9cc, \ud1f4\uc9c1\uae08 \ubc1b\uc744 \uc218 \uc788\ub294 \uacbd\uc6b0\ub294?<\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/images.surferseo.art\/56167aad-22d9-45fe-87ff-a6ee03d848dc.jpeg\" alt=\"\"\/><\/figure>\n\n\n\n<p>\ucd9c\ucc98: <a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/www.donga.com\/news\/Society\/article\/all\/20260204\/133292533\/2\">\ub3d9\uc544\uc77c\ubcf4<\/a><\/p>\n\n\n\n<p>\uadfc\ub85c \uae30\uac04\uc774 1\ub144 \ubbf8\ub9cc\uc778 \uacbd\uc6b0 \ud1f4\uc9c1\uae08\uc744 \ubc1b\uc744 \uc218 \uc788\uc744\uae4c\uc694?<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uadfc\ub85c\uacc4\uc57d\uc11c\ub098 \ud68c\uc0ac \ucde8\uc5c5\uaddc\uce59\uc5d0 \uba85\uc2dc\ub41c \uacbd\uc6b0<\/h3>\n\n\n\n<p>\uc77c\ubd80 \uc911\uc18c\uae30\uc5c5\ub4e4\uc774 \ud68c\uc0ac \uc790\uccb4 \uaddc\uc815\uc73c\ub85c \u201c\uadfc\uc18d 6\uac1c\uc6d4 \uc774\uc0c1 \uc2dc \ud1f4\uc9c1\uae08 \uc9c0\uae09\u201d\uacfc \uac19\uc740 \ub0b4\uc6a9\uc744 \uc815\ud574\ub193\ub294 \uacf3\ub4e4\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc774 \uacbd\uc6b0\uc5d0\ub294 \ubc95\uc815 \uae30\uc900\ubcf4\ub2e4 \ud68c\uc0ac \uaddc\uc815\uc774 \ub354 \uc6b0\uc120 \uc801\uc6a9\ub418\uc5b4, 1\ub144 \ubbf8\ub9cc \uadfc\ub85c\ud574\ub3c4 \ud1f4\uc9c1\uae08\uc744 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uc8fc 15\uc2dc\uac04 \uc774\uc0c1 \ucda9\uc871\ud55c \uacbd\uc6b0<\/h3>\n\n\n\n<p>\uc544\ub974\ubc14\uc774\ud2b8\ub098 \uc2dc\uac04\uc81c \uadfc\ub85c\uc790\ub3c4 \u2018\uc8fc 15\uc2dc\uac04 \uc774\uc0c1\u2019 \uadfc\ubb34 \ud558\uba74 \ud1f4\uc9c1\uae08 \uc0b0\uc815 \uae30\uc900\uc774 \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud2b9\ud788 \uc8fc\ub2e8\uc704\ub85c \uadfc\ub85c\uacc4\uc57d\uc744 \ud558\ub294 \uc0ac\uc5c5\uc7a5\uc5d0\uc11c \uc885\uc885 \ub204\ub77d\ub418\uac70\ub098 \ud63c\uc120\uc774 \uc0dd\uae30\uae30\ub3c4 \ud558\ub294\ub300\uc694.<\/p>\n\n\n\n<p>\uc774 \uacbd\uc6b0\uc5d0\ub3c4 \uc8fc\ub2e8\uc704\ub85c \uacc4\uc57d\uc740 \ud588\uc9c0\ub9cc, \uac19\uc740 \uc0ac\uc5c5\uc7a5\uc5d0\uc11c \ucb49 \uc77c\ud55c \uae30\uac04\uc774 1\ub144 \uc774\uc0c1\uc774\uace0 \uc8fc15\uc2dc\uac04 \uc774\uc0c1 \uadfc\ubb34 \ud588\ub2e4\uba74, \uadfc\uc18d\uae30\uac04\uc740 \uc774\uc5b4\uc9c4\ub2e4\uace0 \ubcf4\uae30\ub54c\ubb38\uc5d0 \ud1f4\uc9c1\uae08\uc744 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uc911\uac04\uc815\uc0b0\uc744 \ubc1b\uc740 \uacbd\uc6b0<\/h3>\n\n\n\n<p>\ud1f4\uc9c1\uae08\uc744 \uc911\uac04\uc815\uc0b0\ud558\uc5ec \ub2e4\uc2dc \uc785\uc0ac\ud574\ub3c4, \uc774\ud6c4 \uadfc\ubb34 \uae30\uac04\uc5d0 \ub300\ud574\uc11c \ud1f4\uc9c1\uae08\uc744 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\uccab \uc785\uc0ac\ud574\uc11c \ud1f4\uc0ac \uc2dc\uc810\uae4c\uc9c0(\uc911\uac04\uc815\uc0b0 \uae30\uac04 \ud3ec\ud568) \ucd1d 1\ub144 \uadfc\ubb34\ub9cc \ub418\uba74 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ud1f4\uc9c1\uae08 \uccad\uad6c\uae30\uac04<\/h2>\n\n\n\n<p>\ud1f4\uc9c1\uae08 \uccad\uad6c\uad8c\uc740 \ud1f4\uc9c1\uc77c\ub85c\ubd80\ud130 3\ub144\ub3d9\uc548\ub9cc \uc720\ud6a8\ud569\ub2c8\ub2e4!<\/p>\n\n\n\n<p>3\ub144\uc774 \uc9c0\ub098\uba74 \ubc1b\uc744 \uc218 \uc5c6\uae30 \ub54c\ubb38\uc5d0, \uae30\uac04 \uc548\uc5d0 \uaf2d \ucc59\uaca8\uc57c \ud574\uc694<\/p>\n\n\n\n<p>\ub9cc\uc77c \uadfc\ub85c\uacc4\uc57d\uc11c\uc5d0 \u201c\ud1f4\uc9c1\uae08\uc740 \uc9c0\uae09\ud558\uc9c0 \uc54a\ub294\ub2e4\u201d\ub77c\uace0 \uc368\uc788\uc5b4\ub3c4<\/p>\n\n\n\n<p>\ud1f4\uc9c1\uae08\uc740 \ubc95\uc73c\ub85c \uc815\ud574\uc9c4 \uac83\uc774\uae30 \ub54c\ubb38\uc5d0, \uadfc\ub85c \uacc4\uc57d\uc11c\ubcf4\ub2e4 \uc0c1\uc704\ubc95\uc744 \ub530\ub77c\uc57c\ud574\uc11c \ubc1b\uc744\uc218 \uc788\uc5b4\uc694<\/p>\n\n\n\n<p>\ub2e4\ub9cc \ud504\ub9ac\ub79c\uc11c\uc778 \uacbd\uc6b0\uc5d0\ub294 \u2018\uadfc\ub85c\uc790\u2019\uc5d0 \ud3ec\ud568\ub418\uc9c0 \uc54a\uae30 \ub54c\ubb38\uc5d0 \ud1f4\uc9c1\uae08 \uc9c0\uae09 \ub300\uc0c1\uc5d0\uc11c \uc81c\uc678\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc774 \uacbd\uc6b0\uc5d0\ub294 \ubcf8\uc778\uc774 \uc2e4\uc81c \ud558\ub294 \uc5c5\ubb34\uac00 \uadfc\ub85c\uc790\uc778\uc774 \ud504\ub9ac\ub79c\uc11c\uc778\uc9c0\uc5d0 \ub530\ub77c \ub2e4\ub974\uae30 \ub54c\ubb38\uc5d0 \uace0\uc6a9\ub178\ub3d9\ubd80\uc5d0 \ubb38\uc758\ud558\ub294\uac8c \uc815\ud655\ud574\uc694.<\/p>\n\n\n\n<p>\ud1f4\uc9c1\uae08\uc740 \uadfc\ubb34 \ud558\ub8e8 \uc774\ud2c0 \ucc28\uc774\ub85c \uc218\uc2ed\ub9cc\uc6d0\uc774 \uc654\ub2e4 \uac14\ub2e4 \ud558\ub294 \uacbd\uc6b0\uc778\ub9cc\ud07c, \uc5b5\uc6b8\ud55c \uc77c\uc774 \uc5c6\uc5b4\uc57c \uaca0\uc8e0?<\/p>\n\n\n\n<p>\ub0b4 \uc0c1\ud669\uc774 \uc870\uae08 \ud2b9\uc218\ud558\ub2e4, \ucc3e\uc544\ubd10\ub3c4 \ubaa8\ub974\uaca0\ub2e4 \uc2f6\uc73c\uba74, \uace0\uc6a9\ub178\ub3d9\ubd80 1350\uc5d0 \uc804\ud654\ud558\uac70\ub098&nbsp;<\/p>\n\n\n\n<p>\uac00\uae4c\uc6b4 \uace0\uc6a9\uc13c\ud130\uc5d0\uc11c \uc0c1\ub2f4\uc744 \ubc1b\uc73c\uba74 \ub354\uc6b1 \uc815\ud655\ud558\uac8c \uc54c \uc218 \uc788\uc5b4\uc694.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ub9c8\ubb34\ub9ac<\/h2>\n\n\n\n<p>\ud1f4\uc9c1\uae08\uc740 \uc120\ud0dd\uc774 \uc544\ub2c8\ub77c \ubc95\uc801 \uad8c\ub9ac\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud1f4\uc9c1\uae08 \uc9c0\uae09 \uae30\uc900\uc740<br><strong>1\ub144 \uc774\uc0c1 + \uc8fc 15\uc2dc\uac04 \uc774\uc0c1<\/strong><\/p>\n\n\n\n<p>\ud1f4\uc9c1\uae08 \uc9c0\uae09 \uae30\ud55c\uc740<br><strong>\ud1f4\uc9c1 \ud6c4 14\uc77c \uc774\ub0b4<\/strong><\/p>\n\n\n\n<p>\ud1f4\uc9c1\uae08 \uacc4\uc0b0\ubc95\uacfc \uc138\uae08 \uad6c\uc870\uae4c\uc9c0 \uc774\ud574\ud558\uace0 \uc788\uc5b4\uc57c \uc5b5\uc6b8\ud55c \uc0c1\ud669\uc744 \ub9c9\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud1f4\uc9c1\uc744 \uc55e\ub450\uace0 \uc788\ub2e4\uba74 \uc9c0\uae08 \ubc14\ub85c \uadfc\uc18d \uae30\uac04\uacfc \ud3c9\uade0\uc784\uae08\uc744 \ud655\uc778\ud574 \ubcf4\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud558\ub8e8 \ucc28\uc774\ub85c \uc218\uc2ed\ub9cc\uc6d0\uc774 \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n<div class=\"swell-block-postLink\">\t\t\t<div class=\"p-blogCard -external\" data-type=\"type3\" data-onclick=\"clickLink\">\n\t\t\t\t<div class=\"p-blogCard__inner\">\n\t\t\t\t\t<span class=\"p-blogCard__caption\">joafinance.com<\/span>\n\t\t\t\t\t<div class=\"p-blogCard__thumb c-postThumb\"><figure class=\"c-postThumb__figure\"><img decoding=\"async\" src=\"https:\/\/joafinance.com\/wp-content\/uploads\/2025\/12\/joafinance.com-G-26.jpg\" alt=\"\" class=\"c-postThumb__img u-obf-cover\" width=\"320\" height=\"180\"><\/figure><\/div>\t\t\t\t\t<div class=\"p-blogCard__body\">\n\t\t\t\t\t\t<a class=\"p-blogCard__title\" href=\"https:\/\/joafinance.com\/?p=383\" target=\"_blank\" rel=\"noopener noreferrer\">\uc2e4\uc5c5\uae09\uc5ec \uc870\uac74 6\uac1c\uc6d4 \uae30\uc900 \ucd1d\uc815\ub9ac \u2013 \uad8c\uace0\uc0ac\uc9c1\u00b7\uc790\ubc1c\uc801 \ud1f4\uc0ac \ucc28\uc774 &#8211; \uc870\uc544\ud30c\uc774\ub0b8\uc2a4<\/a>\n\t\t\t\t\t\t<span class=\"p-blogCard__excerpt\">\uc9c1\uc7a5 \uc0dd\ud65c\uc744 \ud558\ub2e4\uac00 \uac11\uc790\uae30 \uc608\uc0c1\ud558\uc9c0 \ubabb\ud558\ub294 \uc0c1\ud669\uc5d0\uc11c \u2018\ud1f4\uc0ac\u2019\uac00 \uacb0\uc815\ub418\uace4 \ud569\ub2c8\ub2e4.\u00a0<\/span>\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>\u201c1\ub144\ub9cc \ucc44\uc6b0\uba74 \ud1f4\uc9c1\uae08 \ubc1b\uc744 \uc218 \uc788\ub2e4\ub294\ub370, \uc54c\ubc14\ub3c4 \ud574\ub2f9\ub418\ub098\uc694?\u201d\u201c\uace7 \ud1f4\uc0ac \uc608\uc815\uc778\ub370 \ud1f4\uc9c1\uae08 \uc9c0\uae09 \uae30\ud55c\uc740 \uc5b8\uc81c\uae4c\uc9c0\uc778\uac00\uc694?\u201d \ud1f4\uc9c1\uc744 \uc55e\ub450\uace0 \uac00\uc7a5 \ub9ce\uc774 \uac80\uc0c9\ud558\ub294 \ud0a4\uc6cc\ub4dc\uac00 \ubc14\ub85c \ud1f4\uc9c1\uae08 \uc9c0\uae09 \uae30\uc900\uc785\ub2c8\ub2e4. \ud2b9\ud788 1\ub144\uc744 \uc870\uae08 \ubabb \ucc44\uc6b4 \uacbd\uc6b0, \uc8fc 15\uc2dc\uac04\uc758 \uacbd\uacc4\uc120\uc5d0 \uac78\ub9b0 \uacbd\uc6b0\ucc98\ub7fc \uc560\ub9e4\ud55c \uc0c1\ud669\uc774 \ub9ce\uc2b5\ub2c8\ub2e4. \uc774\ubc88 \uae00\uc5d0\uc11c\ub294 \ud1f4\uc9c1\uae08 \uacc4\uc0b0\ubc95\ubd80\ud130 \uc9c0\uae09 \uae30\ud55c, \uc138\uae08\uae4c\uc9c0 \ud55c \ubc88\uc5d0 \uc815\ub9ac\ud574 \ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4. \ud1f4\uc9c1\uae08\uc774\ub780? (\ucd9c\ucc98: \ub274\uc2a4\uceec\ucc98) \ud1f4\uc9c1\uae08\uc740 \uc0ac\uc6a9\uc790\uac00 \uadfc\ub85c\uc790\uac00 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":211,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"swell_btn_cv_data":"","footnotes":""},"categories":[9],"tags":[],"class_list":["post-65","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-9"],"_links":{"self":[{"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/posts\/65","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/joafinance.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=65"}],"version-history":[{"count":3,"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/posts\/65\/revisions"}],"predecessor-version":[{"id":666,"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/posts\/65\/revisions\/666"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/media\/211"}],"wp:attachment":[{"href":"https:\/\/joafinance.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=65"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/joafinance.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=65"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/joafinance.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=65"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}