{"id":372,"date":"2023-04-07T23:28:00","date_gmt":"2023-04-07T23:28:00","guid":{"rendered":"https:\/\/retirebooja.com\/blog\/?p=372"},"modified":"2024-03-02T23:29:25","modified_gmt":"2024-03-02T23:29:25","slug":"%eb%8d%94-%ea%b8%80%eb%a1%9c%eb%a6%ac%ec%99%80-%ec%84%b8%ea%b8%88%ec%9d%98-%ec%84%b8%ea%b3%84","status":"publish","type":"post","link":"https:\/\/retirebooja.com\/blog\/%eb%8d%94-%ea%b8%80%eb%a1%9c%eb%a6%ac%ec%99%80-%ec%84%b8%ea%b8%88%ec%9d%98-%ec%84%b8%ea%b3%84\/","title":{"rendered":"\ub354 \uae00\ub85c\ub9ac\uc640 \uc138\uae08\uc758 \uc138\uacc4"},"content":{"rendered":"\n

“<\/strong>\uadfc\ub85c\uc18c\ub4dd\uc138<\/strong> <\/strong>\ub0b4\ub294<\/strong> <\/strong>\ub2c8\uac00<\/strong> <\/strong>\ubaa8\ub974\ub294<\/strong> <\/strong>\uc885\ud569\uc18c\ub4dd\uc138<\/strong> <\/strong>\ub0b4\ub294<\/strong> <\/strong>\uc138\uacc4\uac00<\/strong> <\/strong>\uc788\ub2e8\ub2e4<\/strong>, <\/strong>\ud61c\uc815\uc544<\/strong>“<\/strong><\/p>\n\n\n\n

\uc778\uae30 \ub4dc\ub77c\ub9c8 \ub354<\/strong> <\/strong>\uae00\ub85c\ub9ac<\/strong> <\/strong>\ud30c\ud2b8<\/strong> 1<\/strong>\uc5d0\uc11c<\/strong> <\/strong>\uac11\uc9c8\ud558\ub294<\/strong> <\/strong>\uce5c\uad6c<\/strong> <\/strong>\uc0ac\ub77c\uac00<\/strong> <\/strong>\ud559\uad50\ud3ed\ub825<\/strong> <\/strong>\uac00\ud574\uc790<\/strong> <\/strong><\/p>\n\n\n\n

\uc9d1\ub2e8<\/strong> <\/strong>\uc911 \ud55c<\/strong> <\/strong>\uba85\uc778<\/strong> <\/strong>\uc2a4\ud29c\uc5b4\ub514\uc2a4<\/strong> <\/strong>\ucd5c\ud61c\uc815\uc5d0\uac8c<\/strong> <\/strong>\ub9d0\ud558\ub294<\/strong> <\/strong>\ub300\uc0ac\uc774\ub2e4<\/strong>. <\/strong>\uc790\uae30<\/strong> <\/strong>\ubd80\ubaa8\ub2d8<\/strong>  <\/strong><\/p>\n\n\n\n

\uc138\ud0c1\uc18c\uc5d0 \ub9e1\uae34<\/strong> <\/strong>\uc6d0\ud53c\uc2a4\ub97c<\/strong> <\/strong>\ud6d4\uccd0\uc785\uace0<\/strong> <\/strong>\ubaa8\uc784\uc5d0<\/strong> <\/strong>\ub098\uc640<\/strong> <\/strong>\uad74\uc695\uc744<\/strong> <\/strong>\ub2f9\ud558\ub294<\/strong> <\/strong>\uc7a5\uba74\uc774\ub2e4<\/strong>.<\/strong><\/p>\n\n\n\n

\ubd80\uc790\uc758<\/strong> <\/strong>\uc0b6\uc744<\/strong> <\/strong>\ub3d9\uacbd\ud574<\/strong> <\/strong>\uac16\uc740<\/strong> <\/strong>\ubaa8\uc695\uc744<\/strong> <\/strong>\ub2f9\ud55c\ucc44<\/strong> <\/strong>\uc0b4\uc544\uac00\ub294<\/strong> <\/strong>\uadf9\uac15\uc758<\/strong> <\/strong>\uc18d\ubb3c<\/strong> <\/strong><\/p>\n\n\n\n

\ucd5c\ud61c\uc815\uc740<\/strong> 5<\/strong>\uba85\uc758<\/strong> <\/strong>\uac00\ud574\uc790\ub4e4\uc911<\/strong> <\/strong>\ud558\uc704\uc11c\uc5f4\uc774\ub2e4<\/strong>.  <\/strong>\uac00\ud574\uc790\ub4e4<\/strong> <\/strong>\uc0ac\uc774\uc5d0<\/strong> <\/strong>\uc874\uc7ac\ud558\ub294<\/strong> <\/strong><\/p>\n\n\n\n

\uc11c\uc5f4\uc774<\/strong> ‘<\/strong>\uc138\uae08<\/strong>‘<\/strong>\uc73c\ub85c<\/strong> <\/strong>\ud45c\ud604\ub418\uae30\ub3c4<\/strong> <\/strong>\ud55c\ub2e4<\/strong>. <\/strong>\ub2e4\ub978\uce5c\uad6c\ub4e4\uc5d0\uac8c<\/strong> <\/strong>\ubb34\uc2dc<\/strong> <\/strong>\ub2f9\ud558\uba74\uc11c\ub3c4<\/strong><\/p>\n\n\n\n

\uc2e0\ubd84\uc0c1\uc2b9\uc744<\/strong> <\/strong>\uafc8\uafb8\uba70<\/strong> <\/strong>\uce5c\uad6c\uad00\uacc4\ub97c<\/strong> <\/strong>\uc720\uc9c0\ud55c\ub2e4<\/strong>. <\/strong>\uc6d4\uae09\ubc1b\ub294<\/strong> <\/strong>\ud61c\uc815\uc740<\/strong> <\/strong>\uc885\ud569\uc18c\ub4dd\uc138<\/strong>(<\/strong>\uc885\uc18c\uc138<\/strong>)<\/strong><\/p>\n\n\n\n

\ub0b4\ub294<\/strong> <\/strong>\uc790\uc2e0\uc744<\/strong> <\/strong>\uc774\ud574\ud558\uc9c0<\/strong> <\/strong>\ubabb\ud55c\ub2e4\ub294<\/strong> <\/strong>\uce5c\uad6c<\/strong> <\/strong>\uc0ac\ub77c\uc758<\/strong> <\/strong>\ube44\uaf3c\ucc98\ub7fc<\/strong> <\/strong>\uc885\uc18c\uc138\ub294<\/strong> <\/strong>\ubd80\uc790\ub4e4\uc5d0\uac8c\ub9cc<\/strong><\/p>\n\n\n\n

\uad6d\ud55c\ub41c\uac78\ub85c<\/strong> <\/strong>\uc554\uc2dc\ud55c\ub2e4<\/strong>.  <\/strong>\uc5ec\uae30\uc11c<\/strong> <\/strong>\ub9d0\ud55c<\/strong> <\/strong>\uc885\uc18c\uc138<\/strong> <\/strong>\ub0b4\ub294<\/strong> <\/strong>\uc138\uacc4\ub294<\/strong> <\/strong>\ub2e8\uc21c\ud788<\/strong> ‘<\/strong>\uc885\uc18c\uc138<\/strong> <\/strong>\ub0b4\ub294<\/strong> <\/strong>\uc138\uacc4<\/strong>‘<\/strong><\/p>\n\n\n\n

\ub9cc\uc744<\/strong> <\/strong>\ub9d0\ud558\ub294\uac83\uc740<\/strong> <\/strong>\uc544\ub2d0\uac83\uc774\ub2e4<\/strong>.  <\/strong>\ud3c9\ubc94\ud55c<\/strong> <\/strong>\uc0ac\ub78c\uc740<\/strong> <\/strong>\uc0dd\uac01\ud558\uae30<\/strong> <\/strong>\ud798\ub4e0<\/strong> <\/strong>\uc0c1\ub958\uce35\ub4e4<\/strong> <\/strong>\ub9cc\uc758<\/strong> <\/strong><\/p>\n\n\n\n

\uc138\uacc4\ub97c<\/strong> <\/strong>\ub9d0\ud558\ub294\uac83\uc774\ub9ac\ub77c<\/strong>.  <\/strong><\/p>\n\n\n\n

\ubbf8\uad6d\uc740<\/strong> <\/strong>\uc774\ub7f0\ub958\uc758<\/strong> <\/strong>\uc885\uc18c\uc138\uac00<\/strong> <\/strong>\uc5c6\uc9c0\ub9cc<\/strong> <\/strong>\ub300\uc2e0<\/strong> <\/strong>\uc778\ucef4\ud0dd\uc2a4\uc678\uc5d0<\/strong> <\/strong>\uc18c\uc15c\uc2dc\ud050\ub9ac\ud2f0\ud0dd\uc2a4\uac00<\/strong> <\/strong>\uc788\ub2e4<\/strong>.<\/strong><\/p>\n\n\n\n

\uc740\ud1f4\ub97c<\/strong> <\/strong>\ud558\uace0<\/strong> <\/strong>\ub098\uba74<\/strong> <\/strong>\ub9e4\uc6d4\ubc1b\ub294<\/strong> <\/strong>\uc18c\uc15c\uc5f0\uae08\uc5d0\ub300\ud55c<\/strong> <\/strong>\uc138\uacc4\uac00<\/strong> <\/strong>\uc788\ub2e4<\/strong>. <\/strong>\ubbf8\uad6d\uc5d0\uc11c<\/strong> <\/strong>\uc218\uc2ed\ub144<\/strong> CPA<\/strong>\uc5c5\ubb34\ub97c<\/strong><\/p>\n\n\n\n

\ud55c<\/strong> <\/strong>\ud6c4<\/strong> <\/strong>\uc8fc\ubcc0\uc744<\/strong> <\/strong>\ub458\ub7ec\ubcf4\uba74<\/strong> <\/strong>\uc0ac\ub294<\/strong> <\/strong>\ubaa8\uc2b5\ub4e4\uc774<\/strong> <\/strong>\uc81c<\/strong> <\/strong>\uac01\uac01\uc774\ub2e4<\/strong>.  <\/strong>\ucca8\uc640\uc11c<\/strong> <\/strong>\uc2dc\uc791\ud560\ub54c<\/strong> <\/strong>\ube44\uc2b7\ube44\uc2b7\ud558\ub358<\/strong><\/p>\n\n\n\n

\uc774\ubbfc<\/strong> <\/strong>\ucd08\ub144\uc0dd\ub4e4\uc774<\/strong> <\/strong>\uba87\ub144\uc9c0\ub098\uba74\uc11c<\/strong> <\/strong>\uace0\ub9cc\uace0\ub9cc\ud558\ub358<\/strong> <\/strong>\uadf8\ub4e4\uc758<\/strong> <\/strong>\uc0dd\ud65c<\/strong> <\/strong>\uc218\uc900\uc774<\/strong> <\/strong>\uc218\ub144\uc774<\/strong> <\/strong>\uc9c0\ub09c<\/strong> <\/strong>\uc774\uc81c\ub294<\/strong> <\/strong><\/p>\n\n\n\n

\ucc98\uc9c0\uac00<\/strong> <\/strong>\ucc9c\uc591\uc9c0\ucc28\ub2e4<\/strong>.  <\/strong>\uc788\ub294\ub4ef<\/strong> <\/strong>\uc5c6\ub294\ub4ef<\/strong> <\/strong>\ud758\ub7ec\uac00\ub294<\/strong> <\/strong>\uc2dc\uac04\uc5d0<\/strong> <\/strong>\ubb34\uc5c7\uc744<\/strong> <\/strong>\uc5b4\ub5bb\uac8c<\/strong> <\/strong>\ub2f4\uc544\ub0c8\ub290\ub0d0\uac00<\/strong><\/p>\n\n\n\n

\ub9cc\ub4e4\uc5b4\ub0b8<\/strong> <\/strong>\ucc28\uc774\uc774\ub2e4<\/strong>.  <\/strong>\uc77c\ub840\ub85c<\/strong> Client<\/strong>\ub4e4<\/strong> <\/strong>\uc911<\/strong> <\/strong>\ube44\uc2b7\ud55c<\/strong> <\/strong>\uc2dc\uae30\uc5d0<\/strong> <\/strong>\ube44\uc2b7\ud55c \uaddc\ubaa8\uc758<\/strong> <\/strong>\uc138\ud0c1\uc18c\ub97c<\/strong><\/p>\n\n\n\n

\uc6b4\uc601\ud558\ub358<\/strong> <\/strong>\ub450\uc624\ub108\uac00\uc788\uc5c8\ub2e4<\/strong>.  <\/strong>\uac00\uac8c\ub97c<\/strong> <\/strong>\ud314\uace0<\/strong> <\/strong>\uc740\ud1f4\ud55c<\/strong> <\/strong>\ud55c\uc0ac\ub78c\uc740<\/strong> <\/strong>\uc18c\uc15c\uc5f0\uae08\uc73c\ub85c<\/strong> <\/strong><\/p>\n\n\n\n

\uc6d4<\/strong>2<\/strong>\ucc9c\ubd88\uac00\ub7c9\ubc1b\uace0<\/strong> <\/strong>\ub2e4\ub978\ud55c\uc0ac\ub78c\uc740<\/strong> 1<\/strong>\ucc9c\ubd88\ub3c4<\/strong> <\/strong>\ubabb\ubc1b\uace0<\/strong> <\/strong>\uc788\ub2e4<\/strong>. <\/strong>\uc774\uc720\ub294<\/strong> <\/strong>\ub2f9\uc5f0\ud558\ub2e4<\/strong>.  <\/strong><\/p>\n\n\n\n

\uc804\uc790\ub294<\/strong> <\/strong>\ud6c4\uc790\ubcf4\ub2e4<\/strong> <\/strong>\uc18c\uc15c<\/strong> <\/strong>\ud0dd\uc2a4\ub97c<\/strong> <\/strong>\ub354<\/strong> <\/strong>\ub9ce\uc774<\/strong> <\/strong>\ub0b8<\/strong> <\/strong>\uacb0\uacfc\uc774\ub2e4<\/strong>.  <\/strong>\uc790\uc601\uc5c5\uc790\uc758<\/strong> <\/strong><\/p>\n\n\n\n

Self-employment tax rat<\/strong>\ub294<\/strong> <\/strong>\uc601\uc5c5\uc21c\uc774\uc775\uc758<\/strong> 15.3%<\/strong>\uc744<\/strong> <\/strong>\ub0b4\uc57c\ud55c\ub2e4<\/strong>.<\/strong><\/p>\n\n\n\n

10<\/strong>\ub9cc\ubd88<\/strong> <\/strong>\uc21c\uc774\uc775\uc774\uba74<\/strong> 1<\/strong>\ub9cc<\/strong>5<\/strong>\ucc9c<\/strong>3<\/strong>\ubc31\ubd88\uc744<\/strong> <\/strong>\uc18c\ub4dd\uc138<\/strong> (income tax)<\/strong>\uc678\uc5d0<\/strong> <\/strong>\ub354<\/strong> <\/strong>\ub0a9\ubd80\ud574\uc57c\ud55c\ub2e4<\/strong>.  <\/strong><\/p>\n\n\n\n

\uc18c\ub4dd\uc138\ub294<\/strong> <\/strong>\uacf5\uc81c\ud56d\ubaa9\uc774<\/strong> <\/strong>\uc788\uc9c0\ub9cc<\/strong> <\/strong>\uc774<\/strong> <\/strong>\uc138\uae08\uc740<\/strong> <\/strong>\uacf5\uc81c\ud61c\ud0dd\uc774<\/strong> <\/strong>\uc5c6\ub2e4<\/strong>.  <\/strong><\/p>\n\n\n\n

\uc790\uc9c4\uc2e0\uace0\ub97c<\/strong> <\/strong>\uc6d0\uce59\uc73c\ub85c\ud558\ub294<\/strong> <\/strong>\ubbf8\uad6d<\/strong> <\/strong>\uc138\uae08\uc81c\ub3c4\uc5d0\uc11c<\/strong> <\/strong>\uc774<\/strong> <\/strong>\uc138\uae08\uc744<\/strong> <\/strong>\uc801\uac8c<\/strong> <\/strong>\ub0b4\ub824\uace0<\/strong> <\/strong>\ucd95\uc18c<\/strong> <\/strong>\ubcf4\uace0\ub97c<\/strong> <\/strong><\/p>\n\n\n\n

\ud588\ub2e4\uba74<\/strong> <\/strong>\uc774\ub7f0<\/strong> <\/strong>\uacb0\uacfc\ub97c<\/strong> <\/strong>\ucd08\ub798\ud558\uac8c\ub41c\ub2e4<\/strong>.  <\/strong>\uc774<\/strong> <\/strong>\uc18c\uc15c\ud0dd\uc2a4\ub294<\/strong> <\/strong>\uacb0\ucf54<\/strong> <\/strong>\uacbd\uc2dc\ud574\uc11c\ub294<\/strong> <\/strong>\uc544\ub2c8\ub420<\/strong> <\/strong><\/p>\n\n\n\n

\uc138\uae08\uc758<\/strong> <\/strong>\uc138\uacc4\uc774\ub2e4<\/strong>. 2023<\/strong>\ub144\uae30\uc900<\/strong> Full Retirement Age (FRA)<\/strong>\uc5d0<\/strong> <\/strong>\ubc1b\uc744<\/strong> <\/strong>\uc218<\/strong> <\/strong>\uc788\ub294<\/strong><\/p>\n\n\n\n

\ucd5c\uace0<\/strong> <\/strong>\uc218\ub839\uae08\uc561\uc740<\/strong> $3,627<\/strong>\uc774\uace0<\/strong> 70<\/strong>\uc138\uc5d0<\/strong> <\/strong>\ubc1b\uc73c\uba74<\/strong> <\/strong>\ucd5c\uace0<\/strong> $4,555<\/strong>\uc774<\/strong> <\/strong>\ub41c\ub2e4<\/strong>.  <\/strong><\/p>\n\n\n\n

\uc740\ud1f4\ud6c4\uc5d0\ub3c4<\/strong> <\/strong>\uc774\ub9cc\ud55c<\/strong> <\/strong>\uae08\uc561\uc744<\/strong> <\/strong>\ub9e4\uc6d4<\/strong> <\/strong>\ubc1b\uc744<\/strong> <\/strong>\uc218\uc788\ub2e4\uba74<\/strong> <\/strong>\uc660\ub9cc\ud55c<\/strong> <\/strong>\uc2dc\ub2c8\uc5b4\ub4e4\uc758<\/strong> <\/strong>\uc0dd\ud65c\ube44\uac00<\/strong> <\/strong><\/p>\n\n\n\n

\ub420<\/strong> <\/strong>\uc218<\/strong> <\/strong>\uc788\uc73c\ub9ac\ub77c<\/strong>. <\/strong>\uc5b4\ub290<\/strong> <\/strong>\uc790\uc2dd\uc774<\/strong> <\/strong>\ub9e4\uc6d4<\/strong> <\/strong>\uc774\ub7f0<\/strong> <\/strong>\uc790\uae08\uc744<\/strong> <\/strong>\uaf2c\ubc15\uaf2c\ubc15<\/strong> <\/strong>\uc740\ud589\uc5d0<\/strong> <\/strong>\ub123\uc5b4\uc904\uae4c<\/strong>?  <\/strong><\/p>\n\n\n\n

\uadf8\uac83\uc870\ucc28\ub3c4<\/strong> <\/strong>\ud3c9\uc0dd\ub3d9\uc548<\/strong>. <\/strong>\uc774<\/strong> <\/strong>\uae08\uc561\uc744<\/strong>  <\/strong>\ucd5c\ub300\ub85c<\/strong> <\/strong>\ub110\ub824<\/strong> <\/strong>\ub193\uc744<\/strong> <\/strong>\ud544\uc694\uac00<\/strong> <\/strong>\ub2f9\uc5f0\ud558\ub2e4<\/strong>. <\/strong><\/p>\n\n\n\n

\ud3c9\uc18c<\/strong> <\/strong>\uc138\uae08\ubcf4\uace0\uc2dc\uc5d0<\/strong> <\/strong>\uc815\uc9c1<\/strong>, <\/strong>\uc131\uc2e4\ud558\uac8c<\/strong> <\/strong>\ub0a9\ubd80\ud574<\/strong> <\/strong>\ub450\uc5b4\uc57c\ud55c\ub2e4<\/strong>.  <\/strong><\/p>\n\n\n\n

\uacfc\uc5f0<\/strong> <\/strong>\uc774\ub7f0<\/strong> <\/strong>\ud45c\ud604\uc744<\/strong> <\/strong>\ud574\ub3c4<\/strong> <\/strong>\ubb34\ub9ac\ub294<\/strong> <\/strong>\uc544\ub2d0\uc9c0<\/strong>.<\/strong><\/p>\n\n\n\n

‘<\/strong>\uc778\ucef4\ud0dd\uc2a4<\/strong> <\/strong>\ub0b4\ub294 \ub108\uac00 \uaf2d<\/strong> <\/strong>\uc18c\uc15c\ud0dd\uc2a4<\/strong> <\/strong>\ub0b4\uc57c\ub9cc\ud558\ub294<\/strong> <\/strong>\uc138\uacc4\uac00<\/strong> <\/strong>\uc788\ub2e8\ub2e4<\/strong>.’<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

“\uadfc\ub85c\uc18c\ub4dd\uc138 \ub0b4\ub294 \ub2c8\uac00 \ubaa8\ub974\ub294 \uc885\ud569\uc18c\ub4dd\uc138 \ub0b4\ub294 \uc138\uacc4\uac00 \uc788\ub2e8\ub2e4, \ud61c\uc815\uc544“ \uc778\uae30 \ub4dc\ub77c\ub9c8 \ub354 \uae00\ub85c\ub9ac \ud30c\ud2b8 1\uc5d0\uc11c \uac11\uc9c8\ud558\ub294 \uce5c\uad6c \uc0ac\ub77c\uac00 \ud559\uad50\ud3ed\ub825 \uac00\ud574\uc790  \uc9d1\ub2e8 \uc911 \ud55c \uba85\uc778 \uc2a4\ud29c\uc5b4\ub514\uc2a4 \ucd5c\ud61c\uc815\uc5d0\uac8c \ub9d0\ud558\ub294 \ub300\uc0ac\uc774\ub2e4. \uc790\uae30 \ubd80\ubaa8\ub2d8   \uc138\ud0c1\uc18c\uc5d0 \ub9e1\uae34 \uc6d0\ud53c\uc2a4\ub97c \ud6d4\uccd0\uc785\uace0 \ubaa8\uc784\uc5d0 \ub098\uc640 \uad74\uc695\uc744 \ub2f9\ud558\ub294 \uc7a5\uba74\uc774\ub2e4. \ubd80\uc790\uc758 \uc0b6\uc744 \ub3d9\uacbd\ud574 \uac16\uc740 \ubaa8\uc695\uc744 \ub2f9\ud55c\ucc44 \uc0b4\uc544\uac00\ub294 \uadf9\uac15\uc758 \uc18d\ubb3c  \ucd5c\ud61c\uc815\uc740 5\uba85\uc758 \uac00\ud574\uc790\ub4e4\uc911 \ud558\uc704\uc11c\uc5f4\uc774\ub2e4.  \uac00\ud574\uc790\ub4e4 \uc0ac\uc774\uc5d0 \uc874\uc7ac\ud558\ub294  \uc11c\uc5f4\uc774 ‘\uc138\uae08‘\uc73c\ub85c \ud45c\ud604\ub418\uae30\ub3c4 \ud55c\ub2e4. \ub2e4\ub978\uce5c\uad6c\ub4e4\uc5d0\uac8c \ubb34\uc2dc \ub2f9\ud558\uba74\uc11c\ub3c4 \uc2e0\ubd84\uc0c1\uc2b9\uc744 \uafc8\uafb8\uba70 \uce5c\uad6c\uad00\uacc4\ub97c \uc720\uc9c0\ud55c\ub2e4. \uc6d4\uae09\ubc1b\ub294 \ud61c\uc815\uc740 \uc885\ud569\uc18c\ub4dd\uc138(\uc885\uc18c\uc138) \ub0b4\ub294 \uc790\uc2e0\uc744 \uc774\ud574\ud558\uc9c0 \ubabb\ud55c\ub2e4\ub294 \uce5c\uad6c \uc0ac\ub77c\uc758 \ube44\uaf3c\ucc98\ub7fc \uc885\uc18c\uc138\ub294 \ubd80\uc790\ub4e4\uc5d0\uac8c\ub9cc \uad6d\ud55c\ub41c\uac78\ub85c \uc554\uc2dc\ud55c\ub2e4.  \uc5ec\uae30\uc11c \ub9d0\ud55c \uc885\uc18c\uc138 \ub0b4\ub294 \uc138\uacc4\ub294 \ub2e8\uc21c\ud788 ‘\uc885\uc18c\uc138 \ub0b4\ub294 \uc138\uacc4‘ \ub9cc\uc744 \ub9d0\ud558\ub294\uac83\uc740 \uc544\ub2d0\uac83\uc774\ub2e4.  \ud3c9\ubc94\ud55c \uc0ac\ub78c\uc740 \uc0dd\uac01\ud558\uae30 \ud798\ub4e0 \uc0c1\ub958\uce35\ub4e4 \ub9cc\uc758  \uc138\uacc4\ub97c \ub9d0\ud558\ub294\uac83\uc774\ub9ac\ub77c.   \ubbf8\uad6d\uc740 \uc774\ub7f0\ub958\uc758 \uc885\uc18c\uc138\uac00 \uc5c6\uc9c0\ub9cc \ub300\uc2e0 \uc778\ucef4\ud0dd\uc2a4\uc678\uc5d0 \uc18c\uc15c\uc2dc\ud050\ub9ac\ud2f0\ud0dd\uc2a4\uac00 \uc788\ub2e4. \uc740\ud1f4\ub97c \ud558\uace0 \ub098\uba74 \ub9e4\uc6d4\ubc1b\ub294 \uc18c\uc15c\uc5f0\uae08\uc5d0\ub300\ud55c \uc138\uacc4\uac00 \uc788\ub2e4. \ubbf8\uad6d\uc5d0\uc11c \uc218\uc2ed\ub144 CPA\uc5c5\ubb34\ub97c \ud55c \ud6c4 \uc8fc\ubcc0\uc744 \ub458\ub7ec\ubcf4\uba74 \uc0ac\ub294 \ubaa8\uc2b5\ub4e4\uc774 \uc81c \uac01\uac01\uc774\ub2e4.  \ucca8\uc640\uc11c \uc2dc\uc791\ud560\ub54c \ube44\uc2b7\ube44\uc2b7\ud558\ub358 \uc774\ubbfc \ucd08\ub144\uc0dd\ub4e4\uc774 \uba87\ub144\uc9c0\ub098\uba74\uc11c \uace0\ub9cc\uace0\ub9cc\ud558\ub358 \uadf8\ub4e4\uc758 \uc0dd\ud65c \uc218\uc900\uc774 \uc218\ub144\uc774 \uc9c0\ub09c \uc774\uc81c\ub294  \ucc98\uc9c0\uac00 \ucc9c\uc591\uc9c0\ucc28\ub2e4.  \uc788\ub294\ub4ef \uc5c6\ub294\ub4ef \ud758\ub7ec\uac00\ub294 \uc2dc\uac04\uc5d0 \ubb34\uc5c7\uc744 \uc5b4\ub5bb\uac8c \ub2f4\uc544\ub0c8\ub290\ub0d0\uac00 \ub9cc\ub4e4\uc5b4\ub0b8 \ucc28\uc774\uc774\ub2e4.  \uc77c\ub840\ub85c Client\ub4e4 \uc911 \ube44\uc2b7\ud55c \uc2dc\uae30\uc5d0 \ube44\uc2b7\ud55c \uaddc\ubaa8\uc758 \uc138\ud0c1\uc18c\ub97c \uc6b4\uc601\ud558\ub358 \ub450\uc624\ub108\uac00\uc788\uc5c8\ub2e4.  \uac00\uac8c\ub97c \ud314\uace0 \uc740\ud1f4\ud55c \ud55c\uc0ac\ub78c\uc740 \uc18c\uc15c\uc5f0\uae08\uc73c\ub85c  \uc6d42\ucc9c\ubd88\uac00\ub7c9\ubc1b\uace0 \ub2e4\ub978\ud55c\uc0ac\ub78c\uc740 1\ucc9c\ubd88\ub3c4 \ubabb\ubc1b\uace0 \uc788\ub2e4. \uc774\uc720\ub294 \ub2f9\uc5f0\ud558\ub2e4.   \uc804\uc790\ub294 \ud6c4\uc790\ubcf4\ub2e4 \uc18c\uc15c \ud0dd\uc2a4\ub97c \ub354 \ub9ce\uc774 \ub0b8 \uacb0\uacfc\uc774\ub2e4.  \uc790\uc601\uc5c5\uc790\uc758  Self-employment tax rat\ub294 \uc601\uc5c5\uc21c\uc774\uc775\uc758 15.3%\uc744 \ub0b4\uc57c\ud55c\ub2e4. 10\ub9cc\ubd88 \uc21c\uc774\uc775\uc774\uba74 1\ub9cc5\ucc9c3\ubc31\ubd88\uc744 \uc18c\ub4dd\uc138 (income tax)\uc678\uc5d0 \ub354 \ub0a9\ubd80\ud574\uc57c\ud55c\ub2e4.   \uc18c\ub4dd\uc138\ub294 \uacf5\uc81c\ud56d\ubaa9\uc774 \uc788\uc9c0\ub9cc \uc774 \uc138\uae08\uc740 \uacf5\uc81c\ud61c\ud0dd\uc774 \uc5c6\ub2e4.   \uc790\uc9c4\uc2e0\uace0\ub97c \uc6d0\uce59\uc73c\ub85c\ud558\ub294 \ubbf8\uad6d \uc138\uae08\uc81c\ub3c4\uc5d0\uc11c \uc774 \uc138\uae08\uc744 \uc801\uac8c \ub0b4\ub824\uace0 \ucd95\uc18c \ubcf4\uace0\ub97c  \ud588\ub2e4\uba74 \uc774\ub7f0 \uacb0\uacfc\ub97c \ucd08\ub798\ud558\uac8c\ub41c\ub2e4.  \uc774 \uc18c\uc15c\ud0dd\uc2a4\ub294 \uacb0\ucf54 \uacbd\uc2dc\ud574\uc11c\ub294 \uc544\ub2c8\ub420  \uc138\uae08\uc758 \uc138\uacc4\uc774\ub2e4. 2023\ub144\uae30\uc900 Full Retirement Age (FRA)\uc5d0 \ubc1b\uc744 \uc218 \uc788\ub294 \ucd5c\uace0 \uc218\ub839\uae08\uc561\uc740 $3,627\uc774\uace0 70\uc138\uc5d0 \ubc1b\uc73c\uba74 \ucd5c\uace0 $4,555\uc774 \ub41c\ub2e4.   \uc740\ud1f4\ud6c4\uc5d0\ub3c4 \uc774\ub9cc\ud55c \uae08\uc561\uc744 \ub9e4\uc6d4 \ubc1b\uc744 \uc218\uc788\ub2e4\uba74 \uc660\ub9cc\ud55c \uc2dc\ub2c8\uc5b4\ub4e4\uc758 \uc0dd\ud65c\ube44\uac00  \ub420 \uc218 \uc788\uc73c\ub9ac\ub77c. \uc5b4\ub290 \uc790\uc2dd\uc774 \ub9e4\uc6d4 \uc774\ub7f0 \uc790\uae08\uc744 \uaf2c\ubc15\uaf2c\ubc15 \uc740\ud589\uc5d0 \ub123\uc5b4\uc904\uae4c?   \uadf8\uac83\uc870\ucc28\ub3c4 \ud3c9\uc0dd\ub3d9\uc548. \uc774 \uae08\uc561\uc744  \ucd5c\ub300\ub85c \ub110\ub824 \ub193\uc744 \ud544\uc694\uac00 \ub2f9\uc5f0\ud558\ub2e4.  \ud3c9\uc18c \uc138\uae08\ubcf4\uace0\uc2dc\uc5d0 \uc815\uc9c1, \uc131\uc2e4\ud558\uac8c \ub0a9\ubd80\ud574 \ub450\uc5b4\uc57c\ud55c\ub2e4.   \uacfc\uc5f0 \uc774\ub7f0 \ud45c\ud604\uc744 \ud574\ub3c4 \ubb34\ub9ac\ub294 \uc544\ub2d0\uc9c0. ‘\uc778\ucef4\ud0dd\uc2a4 \ub0b4\ub294 \ub108\uac00 \uaf2d \uc18c\uc15c\ud0dd\uc2a4 \ub0b4\uc57c\ub9cc\ud558\ub294 \uc138\uacc4\uac00 \uc788\ub2e8\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":[],"class_list":["post-372","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/retirebooja.com\/blog\/wp-json\/wp\/v2\/posts\/372","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=372"}],"version-history":[{"count":1,"href":"https:\/\/retirebooja.com\/blog\/wp-json\/wp\/v2\/posts\/372\/revisions"}],"predecessor-version":[{"id":373,"href":"https:\/\/retirebooja.com\/blog\/wp-json\/wp\/v2\/posts\/372\/revisions\/373"}],"wp:attachment":[{"href":"https:\/\/retirebooja.com\/blog\/wp-json\/wp\/v2\/media?parent=372"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/retirebooja.com\/blog\/wp-json\/wp\/v2\/categories?post=372"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/retirebooja.com\/blog\/wp-json\/wp\/v2\/tags?post=372"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}