2\ucc28\ub300\uc804 \ud6c4 1946\ub144\uc5d0\uc11c 1964\ub144 \uc0ac\uc774\uc5d0 \ud0dc\uc5b4\ub09c \uc57d 7,700\ub9cc \uba85\uc758<\/p>\n\n\n\n
\u2018\ubca0\uc774\ube44 \ubd80\uba38\u2019 (Baby Boomer)\ub4e4\uc774 \uc740\ud1f4\ud6c4 \uc0b6\uc5d0 \ub300\ud574 \ubd88\uc548\uc744<\/p>\n\n\n\n
\ub290\ub07c\uace0 \uc788\ub294 \uac83\uc73c\ub85c \ucd5c\uadfc \uc870\uc0ac\ub418\uc5c8\ub2e4.<\/p>\n\n\n\n
\ucd5c\uadfc AP\ud1b5\uc2e0\uc758 \uc124\ubb38 \uc870\uc0ac\uc5d0 \uc758\ud558\uba74 \ubca0\uc774\ube44 \ubd80\uba38 \uc138\ub300 \uc911 11%\ub9cc \uc740\ud1f4 \ud6c4 \uacbd\uc81c\uc801\uc73c\ub85c \uc548\uc815\ub41c \uc0b6\uc744 \uc790\uc2e0\ud558\uace0 \uc788\ub294 \uac83\uc73c\ub85c \ub098\ud0c0\ub0ac\uace0 \uc544\uc9c1 \uacbd\uc81c\uc801\uc778 \ud65c\ub3d9 \uc911\uc778 \ubca0\uc774\ube44 \ubd80\uba38 4\uba85 \uc911 1\uba85\uc740 \uacbd\uc81c\uc801\uc778 \uc774\uc720 \ub54c\ubb38\uc5d0 \uc740\ud1f4\ub97c \ud560 \uc218 \uc5c6\uace0 \uacc4\uc18d \uc77c\uc744 \ud560 \uac83\uc73c\ub85c \ub2f5\ud55c \uac83\uc73c\ub85c \uc870\uc0ac\ub418\uc5c8\ub2e4.<\/p>\n\n\n\n
\ud2b9\ud788 \uc6b0\ub9ac \uc774\ubbfc 1\uc138\ub4e4\uc758 \uc785\uc7a5\uc5d0\uc11c \ubcfc\ub54c \uc774\ubbfc\uc640\uc11c \uc0c8 \uc0b6\uc744 \uc77c\uad6c\uc5b4 \uac00\uba74\uc11c \uc790\uc2dd\ud0a4\uc6b0\uace0 \uacf5\ubd80\uc2dc\ud0a4\ub290\ub77c \uac00\uc871\uc744 \uc704\ud558\uc5ec \ud5cc\uc2e0\uc758 \uc0b6\uc744 \uc0b4\uc544\uc628 1\uc138\ub4e4\uc774 \uc740\ud1f4\ub97c \ud588\uac70\ub098 \uc740\ud1f4\ub97c \ubc14\ub77c\ubcf4\uace0 \uc788\ub294 \uc774\ub4e4\uc774 \ub9ce\uc544\uc84c\ub2e4. \uadf8\ub7ec\ub098 \ub178\ud6c4\uac00 \ubd88\uc548\ud558\ub2e4\ub294 \ub9d0\uc744 \ub9ce\uc774\ud558\uace0 \uc788\ub2e4. \uc740\ud1f4 \ud6c4\uc758 \uc0b6\uc774 \ub354 \uace0\ub2ec\ud504\uc9c0 \uc54a\uac8c \ubca0\uc774\ube44 \ubd80\uba38\uc758 \ud604\uc2e4\uacfc \ub300\ucc45\uc744 \uc0b4\ud3b4\ubcf4\uae30\ub85c \ud55c\ub2e4.<\/p>\n\n\n\n
1. \ubd88\ud22c\uba85\ud55c \ubbf8\ub798<\/p>\n\n\n\n
\ubbf8\uad6d\uc758 \uae08\uc735\uc704\uae30\ub85c \uc2dc\uc791\ub41c \uacbd\uae30\uce68\uccb4\uc640 \uc720\ub7fd\ubc1c \uad6d\uac00\ubd80\ub3c4\uc0ac\ud0dc\uc5d0 \ub300\ud55c \uc720\ub7ec \uc790\ubcf8\uc2dc\uc7a5\uc774 \uc544\uc9c1\ub3c4 \ubd88\uc548\ud55c \uc0c1\ud669 \uac00\uc6b4\ub370 \uc788\ub2e4. \uc774\ub7ec\ud55c \uacbd\uae30\ubd88\ud669\uacfc \ubd88\uc548 \uc18d\uc5d0\uc11c \ubca0\uc774\ube44 \ubd80\uba38\uc911 64%\ub294 \uc18c\uc15c\uc5f0\uae08 (Social Security Benefit)\uc744 \uc911\uc694\ud55c \ub178\ud6c4\uc218\uc785\uc73c\ub85c \uc0dd\uac01\ud55c\ub2e4\uace0 \ud55c\ub2e4. \uadf8\ub7ec\ub098 \uc774\ub300\ub85c\uac00\uba74 21\ub144\ub0b4\uc5d0 \uae30\uae08\uc774 \uace0\uac08\ub420 \uc804\ub9dd\uc774\ub2e4. <\/p>\n\n\n\n
\u2018\uc218\uba85 \ubc31\uc138 \uc2dc\ub300\u2019\ub97c \ub9de\uc544 \uc218\ub839\uc790\ub4e4\uc740 \uc810\uc810 \ub298\uc5b4\ub098\uc9c0\ub9cc \ucd9c\uc0b0\uc728\uc740 \uc810\uc810 \uc904\uc5b4 \uc0ac\ud68c\ubcf4\uc7a5\uc138\ub97c \ub0b4\ub294 \uadfc\ub85c\uc790\uc758 \uc22b\uc790\uac00 \uc904\uc5b4\ub4e4\uace0 \uc788\uae30 \ub54c\ubb38\uc774\ub2e4. \ub530\ub77c\uc11c \uc0ac\ud68c\ubcf4\uc7a5\uae30\uae08 \uc790\uccb4\uac00 \uba38\uc9c0\uc54a\uc544 \uc801\uc790\ub85c \uc804\ud658\ub418\uace0 \uc6d0\uae08\uc5d0\uc11c \uc9c0\ucd9c\ud574\uc57c \ud558\ub294 \uc0c1\ud669\uc774 \uc624\uac8c \ub41c\ub2e4. \uc774\ub7f0 \ubb38\uc81c\uc810\uc744 \ud0c0\ud30c\ud558\ub294 \ud574\uacb0\ucc45\uc73c\ub85c \uc218\ub839\uc5f0\ub839\uc744 \ub192\uc774\uace0 \uc740\ud1f4\ud61c\ud0dd\uc744 \uc904\uc774\ub294 \ubc29\ud5a5\uc73c\ub85c \uac00\uace0 \uc788\ub2e4. \uc18c\uc15c\uc5f0\uae08\uc5d0 \ub300\ud55c \ubbf8\ub798\ub294 \ubd88\uc548\ud558\uace0 \uc5ec\uae30\ub9cc \uc758\uc874\ud560 \uacbd\uc6b0 \uacbd\uc81c\uc801\uc778 \ud3b8\uc548\ud55c \ub178\ud6c4\ub97c \ubcf4\uc7a5 \ubc1b\uae30\ub294 \uc5b4\ub824\uc6b8 \uac83\uc774\ub2e4.<\/p>\n\n\n\n
2. \uc740\ud1f4\uc900\ube44\uc640 \ub178\ud6c4\ub300\ucc45<\/p>\n\n\n\n
\uc740\ud1f4\uc0dd\ud65c\uc740 \ub300\uac1c 3\uac1c\uc758 \uc2dc\uae30\ub85c \ub098\ub204\uc5b4 \uc0dd\uac01\ud560 \uc218 \uc788\ub2e4.<\/p>\n\n\n\n
\ud65c\ub3d9\uae30 (60 ~ 70\ub300 \uc911\ubc18), \ud68c\uace0\uae30(70\ub300 \ud6c4\ubc18), \uac04\ubcd1\uae30 (80\ub300 ~ 90\ub300) \ub4f1 \ucd1d 3\uac1c\uc2dc\uae30\ub85c \uad6c\uc131\ub41c\ub2e4\uace0\ud55c\ub2e4. \uc774 3\uac1c \uc2dc\uae30\ub97c \uc798 \uc54c\uc544\ub450\uc5b4\uc57c \uc88b\uc740 \ub178\ud6c4\uacc4\ud68d\uc744 \uc138\uc6b8 \uc218 \uc788\ub2e4. \uc740\ud1f4 \uc900\ube44\ud558\uba74 \ub178\ud6c4\uc790\uae08 \ub9c8\ub828\uc744 \uccab\uc9f8\ub85c \uaf3d\uc9c0\ub9cc \uc2e4\uc740 \uc740\ud1f4\uc124\uacc4\ub294 \uc7ac\ubb34\uc801(financial) \uc900\ube44\uc640 \ube44\uc7ac\ubb34\uc801(non-financial) \uc900\ube44\ub85c \uc774\ub8e8\uc5b4\uc838\uc57c \ud55c\ub2e4. \uc804\uc790\ub294 \ub178\ud6c4 \uc0dd\ud65c\ube44, \uc758\ub8cc\ube44 \ub4f1\uc744 \ub9c8\ub828\ud558\ub294 \uac83\uc774\uace0, \ud6c4\uc790\ub294 \uac74\uac15, \uc790\uae30\uac1c\ubc1c, \uac00\uc871\uad00\uacc4, \uc8fc\uac70\uacc4\ud68d \ub4f1\uc744 \uc900\ube44\ud558\ub294 \uac83\uc774\ub2e4. \ud589\ubcf5\ud558\uace0 \ud48d\uc694\ub85c\uc6b4 \uc740\ud1f4\uc0dd\ud65c\uc774 \ub418\ub824\uba74 \ub2f9\uc5f0\ud788 \uc774 \ub450 \uac00\uc9c0 \uc900\ube44\uac00 \uade0\ud615\uc744 \uc774\ub8e8\uc5b4\uc57c \ud55c\ub2e4.<\/p>\n\n\n\n
\uc0ac\uc2e4 \ub098\uc774 40\uc774 \ub118\uc73c\uba74 \uc740\ud1f4\uc900\ube44\ub97c \ubbf8\ub9ac \ud574\uc57c \ud55c\ub2e4. \ub178\ud6c4\uc5d0 \ud3bc\uccd0\uc9c8 \ub77c\uc774\ud504 \uc2a4\ud0c0\uc77c\uc744 \uadf8\ub824\ubcf4\uace0 \uc900\ube44\ud558\uba74\uc11c \uc740\ud1f4\ud6c4 \uc0b6\uc758 \uc9c8\uc5d0 \ub300\ud558\uc5ec \ub300\ucc98\ud574\uc57c\ud560 \uac83\uc774\ub2e4. \uc740\ud1f4\ub97c \uc0dd\uac01\ud558\uae30\uc5d0\ub294 \ub108\ubb34 \uc774\ub978 \ub098\uc774\ub77c\uace0 \uc0dd\uac01\ub418\uc9c0\ub9cc \uadf8\ub0a0\uc740 \uc3dc \uc0b4 \uac19\uc774 \uc628\ub2e4\ub294 \uc0ac\uc2e4\uc744 \uba85\uc2ec\ud574\uc57c \ud55c\ub2e4.<\/p>\n\n\n\n
\ubca0\uc774\ube44 \ubd80\uba38\ub4e4\uc758 \uac00\uc7a5 \ud070 \uace0\ubbfc\uc740 \u2018\uc218\uba85\uc744 \ub2e4\ud558\uae30 \uc804 \ub3c8 \ub5a8\uc5b4\uc9c8 \uac83\u2019<\/p>\n\n\n\n
\uc774\ub77c\ub294 \uac71\uc815\uc774\ub2e4. \uc740\ud1f4 \ud6c4 20\ub144 ~ 30\ub144\uc744, \uc778\uc0dd\uc758 \uc0bc\ubd84\uc758 \uc77c \uc774\uc0c1\uc744 \ub354 \uc0b4\uc544\uc57c \ud558\ub294 \ud604\uc2e4\uc5d0\uc11c \uc5b4\ub5bb\uac8c \ud574\uc57c \ud488\uc704 \uc788\ub294 \uc0b6\uc744 \uc720\uc9c0\ud560 \uac83\uc778\uc9c0 \uc2ec\uac01\ud558\uac8c \uace0\ubbfc\ud574 \ubcfc \uc2dc\uc810\uc774\ub77c \uc0dd\uac01\ud55c\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"
2\ucc28\ub300\uc804 \ud6c4 1946\ub144\uc5d0\uc11c 1964\ub144 \uc0ac\uc774\uc5d0 \ud0dc\uc5b4\ub09c \uc57d 7,700\ub9cc \uba85\uc758 \u2018\ubca0\uc774\ube44 \ubd80\uba38\u2019 (Baby Boomer)\ub4e4\uc774 \uc740\ud1f4\ud6c4 \uc0b6\uc5d0 \ub300\ud574 \ubd88\uc548\uc744 \ub290\ub07c\uace0 \uc788\ub294 \uac83\uc73c\ub85c \ucd5c\uadfc \uc870\uc0ac\ub418\uc5c8\ub2e4. \ucd5c\uadfc AP\ud1b5\uc2e0\uc758 \uc124\ubb38 \uc870\uc0ac\uc5d0 \uc758\ud558\uba74 \ubca0\uc774\ube44 \ubd80\uba38 \uc138\ub300 \uc911 11%\ub9cc \uc740\ud1f4 \ud6c4 \uacbd\uc81c\uc801\uc73c\ub85c \uc548\uc815\ub41c \uc0b6\uc744 \uc790\uc2e0\ud558\uace0 \uc788\ub294 \uac83\uc73c\ub85c \ub098\ud0c0\ub0ac\uace0 \uc544\uc9c1 \uacbd\uc81c\uc801\uc778 \ud65c\ub3d9 \uc911\uc778 \ubca0\uc774\ube44 \ubd80\uba38 4\uba85 \uc911 1\uba85\uc740 \uacbd\uc81c\uc801\uc778 \uc774\uc720 \ub54c\ubb38\uc5d0 \uc740\ud1f4\ub97c \ud560 \uc218 \uc5c6\uace0 \uacc4\uc18d \uc77c\uc744 \ud560 \uac83\uc73c\ub85c \ub2f5\ud55c \uac83\uc73c\ub85c \uc870\uc0ac\ub418\uc5c8\ub2e4. \ud2b9\ud788 \uc6b0\ub9ac \uc774\ubbfc 1\uc138\ub4e4\uc758 \uc785\uc7a5\uc5d0\uc11c \ubcfc\ub54c \uc774\ubbfc\uc640\uc11c \uc0c8 \uc0b6\uc744 \uc77c\uad6c\uc5b4 \uac00\uba74\uc11c \uc790\uc2dd\ud0a4\uc6b0\uace0 \uacf5\ubd80\uc2dc\ud0a4\ub290\ub77c \uac00\uc871\uc744 \uc704\ud558\uc5ec \ud5cc\uc2e0\uc758 \uc0b6\uc744 \uc0b4\uc544\uc628 1\uc138\ub4e4\uc774 \uc740\ud1f4\ub97c \ud588\uac70\ub098 \uc740\ud1f4\ub97c \ubc14\ub77c\ubcf4\uace0 \uc788\ub294 \uc774\ub4e4\uc774 \ub9ce\uc544\uc84c\ub2e4. \uadf8\ub7ec\ub098 \ub178\ud6c4\uac00 \ubd88\uc548\ud558\ub2e4\ub294 \ub9d0\uc744 \ub9ce\uc774\ud558\uace0 \uc788\ub2e4. \uc740\ud1f4 \ud6c4\uc758 \uc0b6\uc774 \ub354 \uace0\ub2ec\ud504\uc9c0 \uc54a\uac8c \ubca0\uc774\ube44 \ubd80\uba38\uc758 \ud604\uc2e4\uacfc \ub300\ucc45\uc744 \uc0b4\ud3b4\ubcf4\uae30\ub85c \ud55c\ub2e4. 1. \ubd88\ud22c\uba85\ud55c \ubbf8\ub798 \ubbf8\uad6d\uc758 \uae08\uc735\uc704\uae30\ub85c \uc2dc\uc791\ub41c \uacbd\uae30\uce68\uccb4\uc640 \uc720\ub7fd\ubc1c \uad6d\uac00\ubd80\ub3c4\uc0ac\ud0dc\uc5d0 \ub300\ud55c \uc720\ub7ec \uc790\ubcf8\uc2dc\uc7a5\uc774 \uc544\uc9c1\ub3c4 \ubd88\uc548\ud55c \uc0c1\ud669 \uac00\uc6b4\ub370 \uc788\ub2e4. \uc774\ub7ec\ud55c \uacbd\uae30\ubd88\ud669\uacfc \ubd88\uc548 \uc18d\uc5d0\uc11c \ubca0\uc774\ube44 \ubd80\uba38\uc911 64%\ub294 \uc18c\uc15c\uc5f0\uae08 (Social Security Benefit)\uc744 \uc911\uc694\ud55c \ub178\ud6c4\uc218\uc785\uc73c\ub85c \uc0dd\uac01\ud55c\ub2e4\uace0 \ud55c\ub2e4. \uadf8\ub7ec\ub098 \uc774\ub300\ub85c\uac00\uba74 21\ub144\ub0b4\uc5d0 \uae30\uae08\uc774 \uace0\uac08\ub420 \uc804\ub9dd\uc774\ub2e4. \u2018\uc218\uba85 \ubc31\uc138 \uc2dc\ub300\u2019\ub97c \ub9de\uc544 \uc218\ub839\uc790\ub4e4\uc740 \uc810\uc810 \ub298\uc5b4\ub098\uc9c0\ub9cc \ucd9c\uc0b0\uc728\uc740 \uc810\uc810 \uc904\uc5b4 \uc0ac\ud68c\ubcf4\uc7a5\uc138\ub97c \ub0b4\ub294 \uadfc\ub85c\uc790\uc758 \uc22b\uc790\uac00 \uc904\uc5b4\ub4e4\uace0 \uc788\uae30 \ub54c\ubb38\uc774\ub2e4. \ub530\ub77c\uc11c \uc0ac\ud68c\ubcf4\uc7a5\uae30\uae08 \uc790\uccb4\uac00 \uba38\uc9c0\uc54a\uc544 \uc801\uc790\ub85c \uc804\ud658\ub418\uace0 \uc6d0\uae08\uc5d0\uc11c \uc9c0\ucd9c\ud574\uc57c \ud558\ub294 \uc0c1\ud669\uc774 \uc624\uac8c \ub41c\ub2e4. \uc774\ub7f0 \ubb38\uc81c\uc810\uc744 \ud0c0\ud30c\ud558\ub294 \ud574\uacb0\ucc45\uc73c\ub85c \uc218\ub839\uc5f0\ub839\uc744 \ub192\uc774\uace0 \uc740\ud1f4\ud61c\ud0dd\uc744 \uc904\uc774\ub294 \ubc29\ud5a5\uc73c\ub85c \uac00\uace0 \uc788\ub2e4. \uc18c\uc15c\uc5f0\uae08\uc5d0 \ub300\ud55c \ubbf8\ub798\ub294 \ubd88\uc548\ud558\uace0 \uc5ec\uae30\ub9cc \uc758\uc874\ud560 \uacbd\uc6b0 \uacbd\uc81c\uc801\uc778 \ud3b8\uc548\ud55c \ub178\ud6c4\ub97c \ubcf4\uc7a5 \ubc1b\uae30\ub294 \uc5b4\ub824\uc6b8 \uac83\uc774\ub2e4. 2. \uc740\ud1f4\uc900\ube44\uc640 \ub178\ud6c4\ub300\ucc45 \uc740\ud1f4\uc0dd\ud65c\uc740 \ub300\uac1c 3\uac1c\uc758 \uc2dc\uae30\ub85c \ub098\ub204\uc5b4 \uc0dd\uac01\ud560 \uc218 \uc788\ub2e4. \ud65c\ub3d9\uae30 (60 ~ 70\ub300 \uc911\ubc18), \ud68c\uace0\uae30(70\ub300 \ud6c4\ubc18), \uac04\ubcd1\uae30 (80\ub300 ~ 90\ub300) \ub4f1 \ucd1d 3\uac1c\uc2dc\uae30\ub85c \uad6c\uc131\ub41c\ub2e4\uace0\ud55c\ub2e4. \uc774 3\uac1c \uc2dc\uae30\ub97c \uc798 \uc54c\uc544\ub450\uc5b4\uc57c \uc88b\uc740 \ub178\ud6c4\uacc4\ud68d\uc744 \uc138\uc6b8 \uc218 \uc788\ub2e4. \uc740\ud1f4 \uc900\ube44\ud558\uba74 \ub178\ud6c4\uc790\uae08 \ub9c8\ub828\uc744 \uccab\uc9f8\ub85c \uaf3d\uc9c0\ub9cc \uc2e4\uc740 \uc740\ud1f4\uc124\uacc4\ub294 \uc7ac\ubb34\uc801(financial) \uc900\ube44\uc640 \ube44\uc7ac\ubb34\uc801(non-financial) \uc900\ube44\ub85c \uc774\ub8e8\uc5b4\uc838\uc57c \ud55c\ub2e4. \uc804\uc790\ub294 \ub178\ud6c4 \uc0dd\ud65c\ube44, \uc758\ub8cc\ube44 \ub4f1\uc744 \ub9c8\ub828\ud558\ub294 \uac83\uc774\uace0, \ud6c4\uc790\ub294 \uac74\uac15, \uc790\uae30\uac1c\ubc1c, \uac00\uc871\uad00\uacc4, \uc8fc\uac70\uacc4\ud68d \ub4f1\uc744 \uc900\ube44\ud558\ub294 \uac83\uc774\ub2e4. \ud589\ubcf5\ud558\uace0 \ud48d\uc694\ub85c\uc6b4 \uc740\ud1f4\uc0dd\ud65c\uc774 \ub418\ub824\uba74 \ub2f9\uc5f0\ud788 \uc774 \ub450 \uac00\uc9c0 \uc900\ube44\uac00 \uade0\ud615\uc744 \uc774\ub8e8\uc5b4\uc57c \ud55c\ub2e4. \uc0ac\uc2e4 \ub098\uc774 40\uc774 \ub118\uc73c\uba74 \uc740\ud1f4\uc900\ube44\ub97c \ubbf8\ub9ac \ud574\uc57c \ud55c\ub2e4. \ub178\ud6c4\uc5d0 \ud3bc\uccd0\uc9c8 \ub77c\uc774\ud504 \uc2a4\ud0c0\uc77c\uc744 \uadf8\ub824\ubcf4\uace0 \uc900\ube44\ud558\uba74\uc11c \uc740\ud1f4\ud6c4 \uc0b6\uc758 \uc9c8\uc5d0 \ub300\ud558\uc5ec \ub300\ucc98\ud574\uc57c\ud560 \uac83\uc774\ub2e4. \uc740\ud1f4\ub97c \uc0dd\uac01\ud558\uae30\uc5d0\ub294 \ub108\ubb34 \uc774\ub978 \ub098\uc774\ub77c\uace0 \uc0dd\uac01\ub418\uc9c0\ub9cc \uadf8\ub0a0\uc740 \uc3dc \uc0b4 \uac19\uc774 \uc628\ub2e4\ub294 \uc0ac\uc2e4\uc744 \uba85\uc2ec\ud574\uc57c \ud55c\ub2e4. \ubca0\uc774\ube44 \ubd80\uba38\ub4e4\uc758 \uac00\uc7a5 \ud070 \uace0\ubbfc\uc740 \u2018\uc218\uba85\uc744 \ub2e4\ud558\uae30 \uc804 \ub3c8 \ub5a8\uc5b4\uc9c8 \uac83\u2019 \uc774\ub77c\ub294 \uac71\uc815\uc774\ub2e4. \uc740\ud1f4 \ud6c4 20\ub144 ~ 30\ub144\uc744, \uc778\uc0dd\uc758 \uc0bc\ubd84\uc758 \uc77c \uc774\uc0c1\uc744 \ub354 \uc0b4\uc544\uc57c \ud558\ub294 \ud604\uc2e4\uc5d0\uc11c \uc5b4\ub5bb\uac8c \ud574\uc57c \ud488\uc704 \uc788\ub294 \uc0b6\uc744 \uc720\uc9c0\ud560 \uac83\uc778\uc9c0 \uc2ec\uac01\ud558\uac8c \uace0\ubbfc\ud574 \ubcfc \uc2dc\uc810\uc774\ub77c 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