{"id":130,"date":"2012-10-03T17:41:00","date_gmt":"2012-10-03T17:41:00","guid":{"rendered":"https:\/\/retirebooja.com\/blog\/?p=130"},"modified":"2024-03-01T17:41:53","modified_gmt":"2024-03-01T17:41:53","slug":"%ec%98%a4%eb%b0%94%eb%a7%88-vs-%eb%a1%ac%eb%8b%88-%ec%84%b8%ea%b8%88-%ec%a0%95%ec%b1%85-%eb%b9%84%ea%b5%90","status":"publish","type":"post","link":"https:\/\/retirebooja.com\/blog\/%ec%98%a4%eb%b0%94%eb%a7%88-vs-%eb%a1%ac%eb%8b%88-%ec%84%b8%ea%b8%88-%ec%a0%95%ec%b1%85-%eb%b9%84%ea%b5%90\/","title":{"rendered":"\uc624\ubc14\ub9c8 vs. \ub86c\ub2c8: \uc138\uae08 \uc815\ucc45 \ube44\uad50"},"content":{"rendered":"\n

\uac1c\uc778 \ub0a9\uc138\uc790\uc5d0\uac8c \ubbf8\uce60 \uc601\ud5a5 <\/strong><\/p>\n\n\n\n

\ubbf8\uad6d \ub300\uc120 \uc2dc\uc98c\uc774 \ub9c9\ubc14\uc9c0\uc5d0 \ub4e4\uc5b4\uc11c\uace0 \uc788\ub294 \uac00\uc6b4\ub370 \uc591\ub2f9 \ub450 \ud6c4\ubcf4\ub294 \uc0c1\ubc18\ub41c \uc138\uae08 \ud50c\ub79c\uc744 \uc138\uc6b0\uace0 \uc788\ub2e4.  \ubbfc\uc8fc\ub2f9\uc758 \uc624\ubc14\ub9c8 \ud6c4\ubcf4\uc640 \uacf5\ud654\ub2f9\uc758 \ub86c\ub2c8 \ud6c4\ubcf4\uac00 \uc5bc\ub9c8\ub098 \ub300\ub9bd\ub418\ub294 \uc138\uae08 \uacf5\uc57d\uc744 \uc138\uc6b0\uace0 \uc788\ub294\uc9c0 \uc0b4\ud3b4\ubcf4\uae30\ub85c \ud55c\ub2e4.<\/p>\n\n\n\n

1.  \ubd09\uae09\ubc0f \uac1c\uc778 \uc18c\ub4dd\uc138<\/p>\n\n\n\n

    \uc624\ubc14\ub9c8 \ud50c\ub79c\uc740 \ud604\uc7ac \uc138\uc728 6\ub2e8\uacc4 \uc911 4\ub2e8\uacc4, \uc989 10%, 15%, 25%, 28%\ub294 \uadf8\ub300\ub85c \ub450\uace0 \uc0c1\uc704 33%\uc758 \uc138\uc728\uc740 36%, 35%\ub294 39.5%\uae4c\uc9c0 \ucd5c\uace0 \uc138\uc728\uc744 \uc62c\ub9ac\uaca0\ub2e4\ub294 \uac83\uc774\ub2e4.  (\ubd80\ubd80\ub294 \uc5f0\uc18c\ub4dd 25\ub9cc \ub2ec\ub7ec \uc774\uc0c1, \ub3c5\uc2e0\uc740 20\ub9cc\ub2ec\ub7ec\uc774\uc0c1) \uc624\ubc14\ub9c8\ub294 \uc18c\uc704 Buffett Rule\uc744 \uc9c0\uc9c0\ud55c \ubc14 \uc788\ub2e4.  \uc774\ub294 \uc18c\ub4dd 1\ubc31\ub9cc \ub2ec\ub7ec \uc774\uc0c1 \uac00\uc815\uc5d0\ub294 \ucd5c\uc18c 30% \uc5f0\ubc29\uc18c\ub4dd\uc138\ub97c \uc9c0\ubd88\ud558\uac8c \ud558\ub294 \ubc29\ubc95\uc774\ub2e4.<\/p>\n\n\n\n

    \ub86c\ub2c8\ub294 \ud604\uc7ac\uc758 6\ub2e8\uacc4 \uc138\uc728\uc744 \uac01\uac01 20% \uc529 \uc778\ud558\ud558\uc5ec 8%, 12%, 20%, 22.4%, 26.4%, 28%\ub85c \ubaa8\ub4e0 \ub0a9\uc138\uc790\ub4e4\uc5d0 \ub300\ud55c \uc18c\ub4dd\uc138\uc728\uc744 \uc62c\ub9ac\uc9c0 \uc54a\uaca0\ub2e4\ub294 \uac83\uc774\ub2e4.<\/p>\n\n\n\n

    \ub9cc\uc77c \uc704\uc758 \ub450 \ud50c\ub79c \uc911 \ud558\ub098\ub3c4 \ucc44\ud0dd\ub418\uc9c0 \uc54a\ub294\ub2e4\uba74 2013\ub144 \uc774\ud6c4\ub294 15%, 28%, 31%, 36%, 39.6%\uc758 5\ub2e8\uacc4\ub85c \uac00\uac8c \ub418\uc5b4 \uc788\ub2e4.<\/p>\n\n\n\n

2.  \ud22c\uc790 \uc18c\ub4dd\uc138<\/p>\n\n\n\n

    \uc7a5\uae30\uc790\ubcf8\uc774\ub4dd(long term capital gain)\uc5d0 \ub300\ud55c \uc138\uc728\uc744 \uc624\ubc14\ub9c8\ub294 \uc5f0\uc18c\ub4dd 25\ub9cc \ubd88 \uc774\ud558\uc5d0 \ub300\ud558\uc5ec\uc11c\ub294 \ud604 \ucd5c\uace0\uc138\uc728\uc778 15%\ub97c \uc720\uc9c0\ud558\uace0 25\ub9cc \ubd88 \uc774\uc0c1\uc740 20%\ub97c \ubd80\uacfc\ud558\uaca0\ub2e4\ub294 \ud50c\ub79c\uc774\ub2e4.  \uc8fc\uc2dd\ubc30\ub2f9\uae08 (dividend income)\ub3c4 \uc0c1\uc704\uad8c 2\ub2e8\uacc4\uc5d0 \uc18d\ud558\ub294 \uace0\uc18c\ub4dd\uce35\uc5d0 \ub300\ud558\uc5ec\uc11c\ub294 36%\uc640 39.6%\uc758 \uc138\uc728\uc744 \uc801\uc6a9\ud558\uaca0\ub2e4\ub294 \uac83\uc774\ub2e4.<\/p>\n\n\n\n

    \ub86c\ub2c8 \ud6c4\ubcf4\ub294 \uc5f0\uc18c\ub4dd 20\ub9cc \ubd88 \uc774\ud558\uc5d0 \ub300\ud558\uc5ec\ub294 \uc790\ubcf8\uc774\ub4dd, \ubc30\ub2f9\uae08, \uc774\uc790\uc218\uc785 \ub4f1\uc5d0 \uc5f0\ubc29\uc18c\ub4dd\uc138\ub97c \ubd80\uacfc\ud558\uc9c0 \uc54a\uaca0\ub2e4\ub294 \ud50c\ub79c\uc774\uace0 20\ub9cc \ubd88 \uc774\uc0c1\uc5d0 \ub300\ud574\uc11c\ub294 \uc77c\ub960\uc801\uc73c\ub85c 15%\ub97c \ub0b4\uac8c \ud558\uaca0\ub2e4\ub294 \uac83\uc774\ub2e4.<\/p>\n\n\n\n

    \uc774\uac83 \ub610\ud55c \uc544\ubb34 \ud50c\ub79c\ub3c4 \ucc44\ud0dd\ub418\uc9c0 \uc54a\ub294\ub2e4\uba74 \uc7a5\uae30\uc790\ubcf8\uc774\ub4dd\uc5d0 \ub300\ud55c \uc138\uae08\uc740 2001\ub144 \uc774\ud6c4, 5\ub144 \uc774\uc0c1 \ubcf4\uc720\ud55c \uc774\ub4dd\uc740 \ucd5c\uace0\uc138\uc728\uc774 18% \ub610\ub294 20% \ubd80\uacfc\ub420 \uc804\ub9dd\uc774\ub2e4. ( \ud604\uc7ac\ub294 0% \ub610\ub294 15%)   \ubc30\ub2f9\uae08\uacfc \uc774\uc790\uc218\uc785\ub3c4 \uc0c8 \uc138\uc728\uc744 \uc801\uc6a9\ubc1b\uac8c \ub41c\ub2e4.<\/p>\n\n\n\n

3.  \ub300\uc548 \ucd5c\uc18c\uc138 (\uc77c\uba85 AMT)<\/p>\n\n\n\n

      AMT (Alternative Minimum Tax)\ub294 \uc6d0\ub798 \uc808\uc138\ubc29\uc548 \ub4f1\uc744 \ud1b5\ud558\uc5ec \uace0\uc138\uc728\uc744 \ud53c\ud574 \uac00\ub294 \ubd80\uc790\ub4e4\uc744 \ud0c0\uac9f\uc73c\ub85c \ucd5c\uc18c\ud55c\uc758 \uc138\uae08\uc744 \ub0b4\uac8c \ud558\ub294 \ubaa9\uc801\uc73c\ub85c \uc0dd\uacbc\ub294\ub370 \ud604\uc7ac\ub294 \uc911\uc0b0\uce35 \uc911 \ub85c\uce7c \uc138\uae08\uc744 \ub9ce\uc774 \ub0b4\uace0 \ubd80\uc591\uac00\uc871\uc774 \ub9ce\uc740 \ub0a9\uc138\uc790\ub4e4\ub3c4 \ud574\ub2f9\uc774 \ub418\uc5b4 \uc18c\ub4dd\ub3c4 \ub9ce\uc9c0\uc54a\ub294 \ub0a9\uc138\uc790\ub4e4\uae4c\uc9c0 \ub300\uc0c1\uc774 \ub418\uc5b4 AMT Victim\uc774\ub780 \ub9d0\uc774 \ub098\uc62c \uc815\ub3c4\ub85c \ub17c\ub780\uc774 \ub9ce\uc740 \uc138\ubc95\uc870\ud56d\uc774\ub2e4.<\/p>\n\n\n\n

     \uc624\ubc14\ub9c8 \ud6c4\ubcf4\ub294 \ud604\ud589\ub300\ub85c \uc720\uc9c0\ud558\uc790\ub294 \uc785\uc7a5\uc778 \ubc18\uba74, \ub86c\ub2c8 \ud6c4\ubcf4\ub294 AMT\ud3d0\uc9c0\ub97c \uc8fc\uc7a5\ud558\uace0\uc788\ub2e4.<\/p>\n\n\n\n

4.  \uc0c1\uc18d\uc138 (Estate Tax)<\/p>\n\n\n\n

     \uc62c\ud574 \uc801\uc6a9\ub418\ub294 5\ubc311\uc2ed2\ub9cc \ubd88 \uacf5\uc81c\uc561\uacfc \uc138\uc728 35%\ub294 2012\uc73c\ub85c \ud3d0\uc9c0\ub41c\ub2e4. \uc624\ubc14\ub9c8 \ud50c\ub79c\uc740 2009\ub8f0\ub85c \ub3cc\uc544\uac00\uc11c 3\ubc315\uc2ed\ub9cc \ubd88 \uacf5\uc81c\uc561\uc5d0 45% \uc0c1\uc18d\uc138\ub97c \ubd80\uacfc\ud558\uaca0\ub2e4\ub294 \uac83\uc774\uace0, \ub86c\ub2c8\ub294 \uc5f0\ubc29\uc0c1\uc18d\uc138\ub97c \uc804\uba74 \ud3d0\uc9c0 \uc2dc\ud0a4\uaca0\ub2e4\ub294 \uac83\uc774\ub2e4.<\/p>\n\n\n\n

    \uc774\uac83 \uc5ed\uc2dc \uc544\ubb34 \ud50c\ub79c\uc774 \ucc44\ud0dd\ub418\uc9c0 \uc54a\ub294\ub2e4\uba74 \ub2e4\uc2dc Bush\ub300\ud1b5\ub839 \uc2dc\uc808\ub85c \ub3cc\uc544\uac00\uc11c \uacf5\uc81c\uc561\uc740 1\ubc31\ub9cc \ub2ec\ub7ec, \ucd5c\uace0\uc138\uc728\uc740 55%\ub85c \ud658\uc6d0\ub420 \uc218\ub3c4 \uc788\ub294 \uac83\uc774\ub2e4.<\/p>\n\n\n\n

\uc774\uc0c1\uc73c\ub85c \ub450 \ud6c4\ubcf4\uc758 \uc138\uae08 \uc815\ucc45 \uc911 \uc911\uc694\ub300\ubaa9\uc5d0 \ub300\ud558\uc5ec \ube44\uad50\ud574 \ubcf4\uc558\ub2e4.<\/p>\n\n\n\n

\uc6d0\ub798 \uc120\uac70 \ub54c\uba74 \uc138\uae08\uc744 \ub0b4\ub9b0\ub2e4\uace0\ud558\uba74 \ud45c\ub97c \ub354 \ubaa8\uc744 \uc218 \uc788\uace0 \uc138\uae08\uc744 \uc62c\ub9b0\ub2e4\uace0 \ud558\uba74 \ud45c\ub97c \uc783\uc744 \ud655\ub960\uc774 \ub192\ub2e4.  \uc624\ubc14\ub9c8\ub294 \uc138\uae08\uc744 \uc62c\ub9ac\ub418 \uace0\uc18c\ub4dd\uce35\uacfc \ubd88\ub85c\uc18c\ub4dd\uc5d0 \uc138\uae08\uc744 \ub354 \ubd80\uacfc\ud558\uace0 \uc911\uac04\uc18c\ub4dd \uc774\ud558\uc5d0\uac90 \uac10\uc138\ud61c\ud0dd\uc744 \uc8fc\uc790\ub294 \ubc29\uce68\uc774\uace0 \ub86c\ub2c8\ub294 \ub300\uae30\uc5c5\uacfc \uace0\ub4dd\uc790 \uce35\uc5d0\uac8c \uc720\ub9ac\ud55c \uc815\ucc45\uc744 \ud3b4\uace0 \uc788\ub2e4\ub294 \uc5ec\ub860\uc774\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"

\uac1c\uc778 \ub0a9\uc138\uc790\uc5d0\uac8c \ubbf8\uce60 \uc601\ud5a5  \ubbf8\uad6d \ub300\uc120 \uc2dc\uc98c\uc774 \ub9c9\ubc14\uc9c0\uc5d0 \ub4e4\uc5b4\uc11c\uace0 \uc788\ub294 \uac00\uc6b4\ub370 \uc591\ub2f9 \ub450 \ud6c4\ubcf4\ub294 \uc0c1\ubc18\ub41c \uc138\uae08 \ud50c\ub79c\uc744 \uc138\uc6b0\uace0 \uc788\ub2e4.  \ubbfc\uc8fc\ub2f9\uc758 \uc624\ubc14\ub9c8 \ud6c4\ubcf4\uc640 \uacf5\ud654\ub2f9\uc758 \ub86c\ub2c8 \ud6c4\ubcf4\uac00 \uc5bc\ub9c8\ub098 \ub300\ub9bd\ub418\ub294 \uc138\uae08 \uacf5\uc57d\uc744 \uc138\uc6b0\uace0 \uc788\ub294\uc9c0 \uc0b4\ud3b4\ubcf4\uae30\ub85c \ud55c\ub2e4. 1.  \ubd09\uae09\ubc0f \uac1c\uc778 \uc18c\ub4dd\uc138     \uc624\ubc14\ub9c8 \ud50c\ub79c\uc740 \ud604\uc7ac \uc138\uc728 6\ub2e8\uacc4 \uc911 4\ub2e8\uacc4, \uc989 10%, 15%, 25%, 28%\ub294 \uadf8\ub300\ub85c \ub450\uace0 \uc0c1\uc704 33%\uc758 \uc138\uc728\uc740 36%, 35%\ub294 39.5%\uae4c\uc9c0 \ucd5c\uace0 \uc138\uc728\uc744 \uc62c\ub9ac\uaca0\ub2e4\ub294 \uac83\uc774\ub2e4.  (\ubd80\ubd80\ub294 \uc5f0\uc18c\ub4dd 25\ub9cc \ub2ec\ub7ec \uc774\uc0c1, \ub3c5\uc2e0\uc740 20\ub9cc\ub2ec\ub7ec\uc774\uc0c1) \uc624\ubc14\ub9c8\ub294 \uc18c\uc704 Buffett Rule\uc744 \uc9c0\uc9c0\ud55c \ubc14 \uc788\ub2e4.  \uc774\ub294 \uc18c\ub4dd 1\ubc31\ub9cc \ub2ec\ub7ec \uc774\uc0c1 \uac00\uc815\uc5d0\ub294 \ucd5c\uc18c 30% \uc5f0\ubc29\uc18c\ub4dd\uc138\ub97c \uc9c0\ubd88\ud558\uac8c \ud558\ub294 \ubc29\ubc95\uc774\ub2e4.     \ub86c\ub2c8\ub294 \ud604\uc7ac\uc758 6\ub2e8\uacc4 \uc138\uc728\uc744 \uac01\uac01 20% \uc529 \uc778\ud558\ud558\uc5ec 8%, 12%, 20%, 22.4%, 26.4%, 28%\ub85c \ubaa8\ub4e0 \ub0a9\uc138\uc790\ub4e4\uc5d0 \ub300\ud55c \uc18c\ub4dd\uc138\uc728\uc744 \uc62c\ub9ac\uc9c0 \uc54a\uaca0\ub2e4\ub294 \uac83\uc774\ub2e4.     \ub9cc\uc77c \uc704\uc758 \ub450 \ud50c\ub79c \uc911 \ud558\ub098\ub3c4 \ucc44\ud0dd\ub418\uc9c0 \uc54a\ub294\ub2e4\uba74 2013\ub144 \uc774\ud6c4\ub294 15%, 28%, 31%, 36%, 39.6%\uc758 5\ub2e8\uacc4\ub85c \uac00\uac8c \ub418\uc5b4 \uc788\ub2e4. 2.  \ud22c\uc790 \uc18c\ub4dd\uc138     \uc7a5\uae30\uc790\ubcf8\uc774\ub4dd(long term capital gain)\uc5d0 \ub300\ud55c \uc138\uc728\uc744 \uc624\ubc14\ub9c8\ub294 \uc5f0\uc18c\ub4dd 25\ub9cc \ubd88 \uc774\ud558\uc5d0 \ub300\ud558\uc5ec\uc11c\ub294 \ud604 \ucd5c\uace0\uc138\uc728\uc778 15%\ub97c \uc720\uc9c0\ud558\uace0 25\ub9cc \ubd88 \uc774\uc0c1\uc740 20%\ub97c \ubd80\uacfc\ud558\uaca0\ub2e4\ub294 \ud50c\ub79c\uc774\ub2e4.  \uc8fc\uc2dd\ubc30\ub2f9\uae08 (dividend income)\ub3c4 \uc0c1\uc704\uad8c 2\ub2e8\uacc4\uc5d0 \uc18d\ud558\ub294 \uace0\uc18c\ub4dd\uce35\uc5d0 \ub300\ud558\uc5ec\uc11c\ub294 36%\uc640 39.6%\uc758 \uc138\uc728\uc744 \uc801\uc6a9\ud558\uaca0\ub2e4\ub294 \uac83\uc774\ub2e4.     \ub86c\ub2c8 \ud6c4\ubcf4\ub294 \uc5f0\uc18c\ub4dd 20\ub9cc \ubd88 \uc774\ud558\uc5d0 \ub300\ud558\uc5ec\ub294 \uc790\ubcf8\uc774\ub4dd, \ubc30\ub2f9\uae08, \uc774\uc790\uc218\uc785 \ub4f1\uc5d0 \uc5f0\ubc29\uc18c\ub4dd\uc138\ub97c \ubd80\uacfc\ud558\uc9c0 \uc54a\uaca0\ub2e4\ub294 \ud50c\ub79c\uc774\uace0 20\ub9cc \ubd88 \uc774\uc0c1\uc5d0 \ub300\ud574\uc11c\ub294 \uc77c\ub960\uc801\uc73c\ub85c 15%\ub97c \ub0b4\uac8c \ud558\uaca0\ub2e4\ub294 \uac83\uc774\ub2e4.     \uc774\uac83 \ub610\ud55c \uc544\ubb34 \ud50c\ub79c\ub3c4 \ucc44\ud0dd\ub418\uc9c0 \uc54a\ub294\ub2e4\uba74 \uc7a5\uae30\uc790\ubcf8\uc774\ub4dd\uc5d0 \ub300\ud55c \uc138\uae08\uc740 2001\ub144 \uc774\ud6c4, 5\ub144 \uc774\uc0c1 \ubcf4\uc720\ud55c \uc774\ub4dd\uc740 \ucd5c\uace0\uc138\uc728\uc774 18% \ub610\ub294 20% \ubd80\uacfc\ub420 \uc804\ub9dd\uc774\ub2e4. ( \ud604\uc7ac\ub294 0% \ub610\ub294 15%)   \ubc30\ub2f9\uae08\uacfc \uc774\uc790\uc218\uc785\ub3c4 \uc0c8 \uc138\uc728\uc744 \uc801\uc6a9\ubc1b\uac8c \ub41c\ub2e4. 3.  \ub300\uc548 \ucd5c\uc18c\uc138 (\uc77c\uba85 AMT)       AMT (Alternative Minimum Tax)\ub294 \uc6d0\ub798 \uc808\uc138\ubc29\uc548 \ub4f1\uc744 \ud1b5\ud558\uc5ec \uace0\uc138\uc728\uc744 \ud53c\ud574 \uac00\ub294 \ubd80\uc790\ub4e4\uc744 \ud0c0\uac9f\uc73c\ub85c \ucd5c\uc18c\ud55c\uc758 \uc138\uae08\uc744 \ub0b4\uac8c \ud558\ub294 \ubaa9\uc801\uc73c\ub85c \uc0dd\uacbc\ub294\ub370 \ud604\uc7ac\ub294 \uc911\uc0b0\uce35 \uc911 \ub85c\uce7c \uc138\uae08\uc744 \ub9ce\uc774 \ub0b4\uace0 \ubd80\uc591\uac00\uc871\uc774 \ub9ce\uc740 \ub0a9\uc138\uc790\ub4e4\ub3c4 \ud574\ub2f9\uc774 \ub418\uc5b4 \uc18c\ub4dd\ub3c4 \ub9ce\uc9c0\uc54a\ub294 \ub0a9\uc138\uc790\ub4e4\uae4c\uc9c0 \ub300\uc0c1\uc774 \ub418\uc5b4 AMT Victim\uc774\ub780 \ub9d0\uc774 \ub098\uc62c \uc815\ub3c4\ub85c \ub17c\ub780\uc774 \ub9ce\uc740 \uc138\ubc95\uc870\ud56d\uc774\ub2e4.      \uc624\ubc14\ub9c8 \ud6c4\ubcf4\ub294 \ud604\ud589\ub300\ub85c \uc720\uc9c0\ud558\uc790\ub294 \uc785\uc7a5\uc778 \ubc18\uba74, \ub86c\ub2c8 \ud6c4\ubcf4\ub294 AMT\ud3d0\uc9c0\ub97c \uc8fc\uc7a5\ud558\uace0\uc788\ub2e4. 4.  \uc0c1\uc18d\uc138 (Estate Tax)      \uc62c\ud574 \uc801\uc6a9\ub418\ub294 5\ubc311\uc2ed2\ub9cc \ubd88 \uacf5\uc81c\uc561\uacfc \uc138\uc728 35%\ub294 2012\uc73c\ub85c \ud3d0\uc9c0\ub41c\ub2e4. \uc624\ubc14\ub9c8 \ud50c\ub79c\uc740 2009\ub8f0\ub85c \ub3cc\uc544\uac00\uc11c 3\ubc315\uc2ed\ub9cc \ubd88 \uacf5\uc81c\uc561\uc5d0 45% \uc0c1\uc18d\uc138\ub97c \ubd80\uacfc\ud558\uaca0\ub2e4\ub294 \uac83\uc774\uace0, \ub86c\ub2c8\ub294 \uc5f0\ubc29\uc0c1\uc18d\uc138\ub97c \uc804\uba74 \ud3d0\uc9c0 \uc2dc\ud0a4\uaca0\ub2e4\ub294 \uac83\uc774\ub2e4.     \uc774\uac83 \uc5ed\uc2dc \uc544\ubb34 \ud50c\ub79c\uc774 \ucc44\ud0dd\ub418\uc9c0 \uc54a\ub294\ub2e4\uba74 \ub2e4\uc2dc Bush\ub300\ud1b5\ub839 \uc2dc\uc808\ub85c \ub3cc\uc544\uac00\uc11c \uacf5\uc81c\uc561\uc740 1\ubc31\ub9cc \ub2ec\ub7ec, \ucd5c\uace0\uc138\uc728\uc740 55%\ub85c \ud658\uc6d0\ub420 \uc218\ub3c4 \uc788\ub294 \uac83\uc774\ub2e4. \uc774\uc0c1\uc73c\ub85c \ub450 \ud6c4\ubcf4\uc758 \uc138\uae08 \uc815\ucc45 \uc911 \uc911\uc694\ub300\ubaa9\uc5d0 \ub300\ud558\uc5ec \ube44\uad50\ud574 \ubcf4\uc558\ub2e4. \uc6d0\ub798 \uc120\uac70 \ub54c\uba74 \uc138\uae08\uc744 \ub0b4\ub9b0\ub2e4\uace0\ud558\uba74 \ud45c\ub97c \ub354 \ubaa8\uc744 \uc218 \uc788\uace0 \uc138\uae08\uc744 \uc62c\ub9b0\ub2e4\uace0 \ud558\uba74 \ud45c\ub97c \uc783\uc744 \ud655\ub960\uc774 \ub192\ub2e4.  \uc624\ubc14\ub9c8\ub294 \uc138\uae08\uc744 \uc62c\ub9ac\ub418 \uace0\uc18c\ub4dd\uce35\uacfc \ubd88\ub85c\uc18c\ub4dd\uc5d0 \uc138\uae08\uc744 \ub354 \ubd80\uacfc\ud558\uace0 \uc911\uac04\uc18c\ub4dd \uc774\ud558\uc5d0\uac90 \uac10\uc138\ud61c\ud0dd\uc744 \uc8fc\uc790\ub294 \ubc29\uce68\uc774\uace0 \ub86c\ub2c8\ub294 \ub300\uae30\uc5c5\uacfc \uace0\ub4dd\uc790 \uce35\uc5d0\uac8c \uc720\ub9ac\ud55c \uc815\ucc45\uc744 \ud3b4\uace0 \uc788\ub2e4\ub294 \uc5ec\ub860\uc774\ub2e4.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","footnotes":""},"categories":[1],"tags":[5],"class_list":["post-130","post","type-post","status-publish","format-standard","hentry","category-uncategorized","tag-tax"],"_links":{"self":[{"href":"https:\/\/retirebooja.com\/blog\/wp-json\/wp\/v2\/posts\/130","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/retirebooja.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/retirebooja.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/retirebooja.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/retirebooja.com\/blog\/wp-json\/wp\/v2\/comments?post=130"}],"version-history":[{"count":1,"href":"https:\/\/retirebooja.com\/blog\/wp-json\/wp\/v2\/posts\/130\/revisions"}],"predecessor-version":[{"id":131,"href":"https:\/\/retirebooja.com\/blog\/wp-json\/wp\/v2\/posts\/130\/revisions\/131"}],"wp:attachment":[{"href":"https:\/\/retirebooja.com\/blog\/wp-json\/wp\/v2\/media?parent=130"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/retirebooja.com\/blog\/wp-json\/wp\/v2\/categories?post=130"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/retirebooja.com\/blog\/wp-json\/wp\/v2\/tags?post=130"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}