{"id":65,"date":"2011-09-02T23:44:00","date_gmt":"2011-09-02T23:44:00","guid":{"rendered":"https:\/\/retirebooja.com\/blog\/?p=65"},"modified":"2024-02-29T23:47:18","modified_gmt":"2024-02-29T23:47:18","slug":"%eb%af%b8%ea%b5%ad%ec%97%90%eb%8a%94-%ed%87%b4%ec%a7%81%ea%b8%88-%ec%a0%9c%eb%8f%84%ea%b0%80-%ec%97%86%eb%8b%a4","status":"publish","type":"post","link":"https:\/\/retirebooja.com\/blog\/%eb%af%b8%ea%b5%ad%ec%97%90%eb%8a%94-%ed%87%b4%ec%a7%81%ea%b8%88-%ec%a0%9c%eb%8f%84%ea%b0%80-%ec%97%86%eb%8b%a4\/","title":{"rendered":"\ubbf8\uad6d\uc5d0\ub294 \ud1f4\uc9c1\uae08 \uc81c\ub3c4\uac00 \uc5c6\ub2e4?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>I.<\/strong><strong>&nbsp;&nbsp;&nbsp;&nbsp;<\/strong>\uc11c&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\ub860<\/p>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-4fc3f8e1 wp-block-group-is-layout-flex\">\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;\uc5bc\ub9c8\uc804&nbsp;\ud55c\uad6d&nbsp;\ub300\uae30\uc5c5\uc758&nbsp;\ud611\ub825\uc5c5\uccb4\uc778&nbsp;\uc0cc\ub514\uc5d0\uace0&nbsp;\uc9c0\uc0ac\uc5d0\uc11c&nbsp;\uc57d&nbsp;7\ub144&nbsp;\uc774\uc0c1<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\uadfc\ubb34\ud55c&nbsp;\uc5b4\ub290&nbsp;\uc911\uacac\uc0ac\uc6d0\uc774&nbsp;\ubd88\uacbd\uae30&nbsp;\uc5ec\ud30c\ub85c&nbsp;\uad6c\uc870\uc870\uc815&nbsp;(Layoff)\uc758&nbsp;\uc77c\ud658\uc73c\ub85c<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\ud1f4\uc9c1\uc744&nbsp;\ub2f9\ud558\uc600\ub2e4.&nbsp;&nbsp;\ud55c\uad6d\uc2dd\uc73c\ub85c&nbsp;\uadf8\ub3d9\uc548&nbsp;\uc313\uc600\uc73c\ub9ac\ub77c&nbsp;\ubbff\uc5c8\ub358&nbsp;\ud1f4\uc9c1\uae08\uc744<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\uae30\ub300\ud588\uc5c8\ub294\ub370&nbsp;Severance Pay (\uc804\ubcc4\uae08)&nbsp;\ud615\uc2dd\uc73c\ub85c&nbsp;\uae30\ub300\uce58\uc5d0&nbsp;\ud6e8\uc52c&nbsp;\uc5b4\uae0b\ub098\ub294<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\uc18c\uc815\uc758&nbsp;\uba85\ud1f4\uae08\ub9cc&nbsp;\ubc1b\uc558\ub2e4.&nbsp;&nbsp;\ub108\ubb34\ub098&nbsp;\uc2e4\ub9dd\ud558\uc5ec&nbsp;\uc218\uc18c\ubb38\ud574\ubcf8&nbsp;\uacb0\uacfc&nbsp;\ubbf8\uad6d\uc11c\ub294<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\uc774\ub7f0&nbsp;\uacbd\uc6b0&nbsp;\ud55c\uad6d\uc2dd&nbsp;\ud1f4\uc9c1\uae08\uc774&nbsp;\uc5c6\ub2e4\ub294&nbsp;\uac83\uc774\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\uae30\ub85d\uc0c1&nbsp;\ud55c\uad6d\uc740&nbsp;1953\ub144\ubd80\ud130&nbsp;\uc2e4\uc2dc\ud558\uc600\uace0&nbsp;\ud1f4\uc9c1\uae08&nbsp;\uc81c\ub3c4\uac00&nbsp;\ubc95\uc73c\ub85c&nbsp;\ubcf8\uaca9\ud654<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\ub41c&nbsp;\uac83\uc740&nbsp;5.16\uad70\uc0ac\uc815\ubd80\uac00&nbsp;\ub4e4\uc5b4\uc120&nbsp;1961\ub144\ub3c4&nbsp;\ubd80\ud130\ub77c&nbsp;\ud55c\ub2e4.&nbsp;\ubc18\uc138\uae30\ub97c&nbsp;\uacbd\uacfc\ud558\uba74\uc11c&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\ud1f4\uc9c1\uae08&nbsp;\uc81c\ub3c4\uc5d0&nbsp;\uc775\uc219\ud574\uc84c\uace0&nbsp;\uc2ec\uc9c0\uc5b4\ub294&nbsp;\uae30\uc5c5\uc740&nbsp;\ub9dd\ud574\ub3c4&nbsp;\ud1f4\uc9c1\uae08\uc740&nbsp;\ubc1b\uc544\ub0b4\ub294<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\ubaa8\uc21c\ub3c4&nbsp;\uc0dd\uaca8\ub098\uac8c&nbsp;\ub418\uc5c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\ubbf8\uad6d\uc740&nbsp;\ud1f4\uc9c1\uae08&nbsp;\uc81c\ub3c4&nbsp;\ub300\uc2e0&nbsp;\uc77c\ucc0d\uc774&nbsp;\uae30\uc5c5\uc5f0\uae08&nbsp;\uc81c\ub3c4\ub97c&nbsp;\ub3c4\uc785\ud558\uc5ec&nbsp;\uc790\ubc1c\uc801\uc73c\ub85c<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\ud1f4\uc9c1\uae08\uc744&nbsp;\ubaa8\uc73c\ub3c4\ub85d&nbsp;\ud558\ub294&nbsp;\uc808\uc138\ubc29\uc548\uc774&nbsp;\ubc1c\ub2ec\ub418\uc5b4&nbsp;\uc654\ub2e4.&nbsp;\ubbf8\uad6d\uc758&nbsp;\ud1f4\uc9c1\uc5f0\uae08&nbsp;\uc81c\ub3c4\ub97c<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\uc7ac\uc870\uba85\ud558\ub294&nbsp;\uae30\ud68c\ub97c&nbsp;\ubaa8\uc0c9\ud574&nbsp;\ubcf4\uc558\ub2e4.<\/p>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>II.<\/strong>&nbsp;&nbsp;&nbsp;\ubbf8\uad6d\uc758&nbsp;\ud1f4\uc9c1\uc5f0\uae08&nbsp;\uc81c\ub3c4<\/p>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-4fc3f8e1 wp-block-group-is-layout-flex\">\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\ubbf8\uad6d\uc740&nbsp;\ud55c\uad6d\uacfc&nbsp;\uac19\uc740&nbsp;\ud1f4\uc9c1\uae08&nbsp;\uc81c\ub3c4\ub294&nbsp;\uc5c6\uc9c0\ub9cc&nbsp;\ub178\ud6c4\ubc29\uc9c0\uc2dc\uc2a4\ud15c\uc73c\ub85c&nbsp;3\uce35\uc758&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\uc0ac\ud68c\ubcf4\uc7a5\uc81c\ub3c4\ub97c&nbsp;\uac16\ucd94\uace0\uc788\ub2e4. 1\uce35:&nbsp;\uc0ac\ud68c\ubcf4\uc7a5\uc5f0\uae08&nbsp;(Social Security), 2&nbsp;\uce35:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\ud1f4\uc9c1\uc5f0\uae08\uc81c\ub3c4-\uc790\ubc1c\uc801&nbsp;\uac00\uc785\uc774\uba70&nbsp;\uc720\ud615\uc774&nbsp;\ub2e4\uc591\ud558\ub2e4.&nbsp;\ud655\uc815\uae09\uc5ec\ud615(DB)\uacfc<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\ud655\uc815\uae30\uc5ec\ud615(DC)\uc744&nbsp;\uc911\uc2ec\uc73c\ub85c&nbsp;\ub2e4\uc591\ud55c&nbsp;\uc81c\ub3c4\ub97c&nbsp;\uc778\uc815\ud558\uace0&nbsp;\uc788\ub2e4.&nbsp;&nbsp;\uc801\ub9bd\uc744<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\uc6d0\uce59\uc73c\ub85c&nbsp;\ud558\uae30&nbsp;\ub54c\ubb38\uc5d0&nbsp;\ubbf8\uad6d&nbsp;\uc9c1\uc7a5\uc778\ub4e4\uc758&nbsp;\ud1f4\uc9c1\uc2dc&nbsp;\ub9e4\uc6b0&nbsp;\uc911\uc694\ud55c&nbsp;\uc790\uae08\ub9c8\ub828\uc774&nbsp;\ub41c\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3\uce35\uc758&nbsp;\uac1c\uc778\ud1f4\uc9c1\uad6c\uc88c(IRA)\ub294&nbsp;\ubbf8\uad6d\uc758&nbsp;\ub300\ud45c\uc801&nbsp;\uac1c\uc778\uc740\ud1f4\uad6c\uc88c\ub85c\uc368&nbsp;\uc138\uae08\uacf5\uc81c\ub97c&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\ubc1b\ub294&nbsp;\uc804\ud1b5\uc801&nbsp;IRA\uc640&nbsp;\ub85c\uc2a4&nbsp;IRA\ub4f1&nbsp;\ub2e4\uc591\ud558\uac8c&nbsp;\ud65c\uc6a9\ud560&nbsp;\uc218&nbsp;\uc788\ub294&nbsp;\uac1c\uc778\uc6a9&nbsp;\ud1f4\uc9c1\ud50c\ub79c\uc774\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\uc774\ub7ec\ud55c&nbsp;\ud1f4\uc9c1\uc5f0\uae08\uc81c\ub3c4\ub294&nbsp;\uc0ac\uc5c5\uc790(\ud68c\uc0ac)&nbsp;\uce21\uc5d0\uc11c\ub294&nbsp;\ubcf5\ub9ac\ud6c4\uc0dd\ucc28\uc6d0,&nbsp;\ubc95\uc778\uc138&nbsp;\uc808\uac10,&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\uc778\uc7ac\ud655\ubcf4\uc5d0&nbsp;\ud6a8\uacfc\ub97c&nbsp;\uac70\ub458&nbsp;\uc218&nbsp;\uc788\uace0&nbsp;\uadfc\ub85c\uc790&nbsp;(\uac1c\uc778)&nbsp;\uce21\uba74\uc5d0\uc11c\ub294&nbsp;\uae30\uc5c5\uc120\ud0dd\uc2dc&nbsp;\uc911\uc694&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\uc694\uc18c\ub85c&nbsp;\uc791\uc6a9\ud558\uba70&nbsp;\uc5f0\uae08\uc790\uc0b0&nbsp;\uc6b4\uc6a9\uc218\uc775\uc5d0&nbsp;\ub300\ud55c&nbsp;\uc18c\ub4dd\uc138&nbsp;\uacfc\uc138\uc774\uc5f0,&nbsp;\uc18c\ub4dd\uacf5\uc81c,<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\uc0ac\uc678\uc801\ub9bd\uc744&nbsp;\ud1b5\ud55c&nbsp;\ud1f4\uc9c1\uae09\uc5ec&nbsp;\ubcf4\uc7a5&nbsp;\ub4f1&nbsp;\uc5ec\ub7ec&nbsp;\uc7a5\uc810\ub4e4\uc774&nbsp;\uc788\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\ubbf8\uad6d&nbsp;\ud1f4\uc9c1\uc5f0\uae08&nbsp;\uc2dc\ud589\uc740&nbsp;\uc0ac\uc6a9\uc790\uc758&nbsp;\uc790\ubc1c\uc801&nbsp;\uc758\uc9c0\uc5d0&nbsp;\uc758\ud558\uc5ec&nbsp;\uacb0\uc815\ub418\uc9c0\ub9cc&nbsp;\uc77c\ub2e8&nbsp;\ub3c4\uc785<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\ub418\uba74&nbsp;\u2018\uadfc\ub85c\uc790&nbsp;\ud1f4\uc9c1\uae09\uc5ec&nbsp;\ubcf4\uc7a5\ubc95\u2019 (Employee Retirement Income Security Act:&nbsp;\uc77c\uba85<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ERISA-1974\ub144&nbsp;Ford&nbsp;\ub300\ud1b5\ub839&nbsp;\uc2dc\ud589)\uc5d0&nbsp;\uc758\ud574&nbsp;\uc5c4\uaca9\ud788&nbsp;\uaddc\uc81c\ub97c&nbsp;\ubc1b\uac8c&nbsp;\ub41c\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2006\ub144&nbsp;8\uc6d4,&nbsp;\ubd80\uc2dc&nbsp;\ub300\ud1b5\ub839&nbsp;\ub54c&nbsp;\uadfc\ub85c\uc790\ub4e4\uc758&nbsp;\ud1f4\uc9c1\uc5f0\uae08&nbsp;\uc9c0\uae09\uc744&nbsp;\ubcf4\ub2e4&nbsp;\ud655\uc2e4\ud788&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\ubcf4\uc7a5\ud558\uace0\uc790&nbsp;\u2018\ud1f4\uc9c1\uc5f0\uae08\ubcf4\ud638\ubc95\u2019(Pension Protection Act: PPA)\uc774&nbsp;\uc81c\uc815\ub418\uc5c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1980\ub144\ub300&nbsp;\ucd08\uc5d0&nbsp;\ub3c4\uc785\ub41c&nbsp;401(k) plan\uc740&nbsp;\ubbf8\uad6d&nbsp;\ud1f4\uc9c1\uc5f0\uae08\uc758&nbsp;\ub300\ud45c\uc801&nbsp;\ud50c\ub79c\uc73c\ub85c<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\ucd5c\uadfc&nbsp;\uac1c\ubd09\ub41c&nbsp;\uc601\ud654&nbsp;\u2018\ub2e4\uc774\ud558\ub4dc4\u2019\uc5d0\uc11c&nbsp;\uc8fc\uc778\uacf5\uc758&nbsp;401(k)&nbsp;\uacc4\uc88c\uc794\uace0\ub97c&nbsp;\ubaa8\ud2f0\ube0c\ub85c<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\ud560&nbsp;\uc815\ub3c4\ub85c&nbsp;\uac01\uad11\uc744&nbsp;\ubc1b\uace0&nbsp;\uc788\ub2e4.<\/p>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>III.<\/strong>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\uacb0&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\ub860<\/p>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-4fc3f8e1 wp-block-group-is-layout-flex\">\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\ud604\uc2e4\uc801\uc73c\ub85c&nbsp;\ubbf8\uad6d\uc758&nbsp;\ub300\uae30\uc5c5\ub4e4\uc740&nbsp;\ub300\ubd80\ubd84&nbsp;\ud1f4\uc9c1\uc5f0\uae08&nbsp;\uc81c\ub3c4\ub97c&nbsp;\uc2dc\ud589\ud558\uace0&nbsp;\uc788\uc9c0\ub9cc<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\uc911\uc18c\uae30\uc5c5,&nbsp;\ud2b9\ud788&nbsp;\ud55c\uad6d\uc11c&nbsp;\uc9c4\ucd9c\ud55c&nbsp;\uc9c0\uc0c1\uc0ac&nbsp;\uacbd\uc6b0&nbsp;\ub3c4\uc785\uc774&nbsp;\uc548&nbsp;\ub41c&nbsp;\uacbd\uc6b0\uac00&nbsp;\uc0c1\ub2f9\ud788&nbsp;\ub9ce\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\uc5b4\ub824\uc6b4&nbsp;\uacbd\uc81c\uc5ec\uac74\uc73c\ub85c&nbsp;\ud1f4\uc9c1\uc5f0\uae08\uc744&nbsp;\uc81c\uacf5\ud558\ub294&nbsp;\ud68c\uc0ac\ub97c&nbsp;\ucc3e\ub294&nbsp;\uac83\uc740&nbsp;\uc26c\uc6b4&nbsp;\uc77c\uc774&nbsp;\uc544\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\ub530\ub77c\uc11c&nbsp;\ud1f4\uc9c1\uae08&nbsp;\ub9c8\ub828\uc740&nbsp;\uac01\uc790\uac00&nbsp;\uc740\ud1f4\ud50c\ub79c\uc744&nbsp;\uc138\uc6cc\uc11c&nbsp;\ucca0\uc800\ud55c&nbsp;\uc900\ube44\ub97c&nbsp;\uc9c0\uae08\ubd80\ud130&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\ud558\uc5ec\uc57c&nbsp;\ud55c\ub2e4.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-4fc3f8e1 wp-block-group-is-layout-flex\">\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\uae40&nbsp;&nbsp;\uc7a5&nbsp;&nbsp;\uc2dd, CPA<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(858) 922-1015<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<a href=\"mailto:jay@cpakim.org\">jay@cpakim.org<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>I.&nbsp;&nbsp;&nbsp;&nbsp;\uc11c&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\ub860 &nbsp;&nbsp;&nbsp;&nbsp;\uc5bc\ub9c8\uc804&nbsp;\ud55c\uad6d&nbsp;\ub300\uae30\uc5c5\uc758&nbsp;\ud611\ub825\uc5c5\uccb4\uc778&nbsp;\uc0cc\ub514\uc5d0\uace0&nbsp;\uc9c0\uc0ac\uc5d0\uc11c&nbsp;\uc57d&nbsp;7\ub144&nbsp;\uc774\uc0c1 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\uadfc\ubb34\ud55c&nbsp;\uc5b4\ub290&nbsp;\uc911\uacac\uc0ac\uc6d0\uc774&nbsp;\ubd88\uacbd\uae30&nbsp;\uc5ec\ud30c\ub85c&nbsp;\uad6c\uc870\uc870\uc815&nbsp;(Layoff)\uc758&nbsp;\uc77c\ud658\uc73c\ub85c &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\ud1f4\uc9c1\uc744&nbsp;\ub2f9\ud558\uc600\ub2e4.&nbsp;&nbsp;\ud55c\uad6d\uc2dd\uc73c\ub85c&nbsp;\uadf8\ub3d9\uc548&nbsp;\uc313\uc600\uc73c\ub9ac\ub77c&nbsp;\ubbff\uc5c8\ub358&nbsp;\ud1f4\uc9c1\uae08\uc744 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\uae30\ub300\ud588\uc5c8\ub294\ub370&nbsp;Severance Pay (\uc804\ubcc4\uae08)&nbsp;\ud615\uc2dd\uc73c\ub85c&nbsp;\uae30\ub300\uce58\uc5d0&nbsp;\ud6e8\uc52c&nbsp;\uc5b4\uae0b\ub098\ub294 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\uc18c\uc815\uc758&nbsp;\uba85\ud1f4\uae08\ub9cc&nbsp;\ubc1b\uc558\ub2e4.&nbsp;&nbsp;\ub108\ubb34\ub098&nbsp;\uc2e4\ub9dd\ud558\uc5ec&nbsp;\uc218\uc18c\ubb38\ud574\ubcf8&nbsp;\uacb0\uacfc&nbsp;\ubbf8\uad6d\uc11c\ub294 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\uc774\ub7f0&nbsp;\uacbd\uc6b0&nbsp;\ud55c\uad6d\uc2dd&nbsp;\ud1f4\uc9c1\uae08\uc774&nbsp;\uc5c6\ub2e4\ub294&nbsp;\uac83\uc774\ub2e4. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\uae30\ub85d\uc0c1&nbsp;\ud55c\uad6d\uc740&nbsp;1953\ub144\ubd80\ud130&nbsp;\uc2e4\uc2dc\ud558\uc600\uace0&nbsp;\ud1f4\uc9c1\uae08&nbsp;\uc81c\ub3c4\uac00&nbsp;\ubc95\uc73c\ub85c&nbsp;\ubcf8\uaca9\ud654 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\ub41c&nbsp;\uac83\uc740&nbsp;5.16\uad70\uc0ac\uc815\ubd80\uac00&nbsp;\ub4e4\uc5b4\uc120&nbsp;1961\ub144\ub3c4&nbsp;\ubd80\ud130\ub77c&nbsp;\ud55c\ub2e4.&nbsp;\ubc18\uc138\uae30\ub97c&nbsp;\uacbd\uacfc\ud558\uba74\uc11c&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\ud1f4\uc9c1\uae08&nbsp;\uc81c\ub3c4\uc5d0&nbsp;\uc775\uc219\ud574\uc84c\uace0&nbsp;\uc2ec\uc9c0\uc5b4\ub294&nbsp;\uae30\uc5c5\uc740&nbsp;\ub9dd\ud574\ub3c4&nbsp;\ud1f4\uc9c1\uae08\uc740&nbsp;\ubc1b\uc544\ub0b4\ub294 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\ubaa8\uc21c\ub3c4&nbsp;\uc0dd\uaca8\ub098\uac8c&nbsp;\ub418\uc5c8\ub2e4. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\ubbf8\uad6d\uc740&nbsp;\ud1f4\uc9c1\uae08&nbsp;\uc81c\ub3c4&nbsp;\ub300\uc2e0&nbsp;\uc77c\ucc0d\uc774&nbsp;\uae30\uc5c5\uc5f0\uae08&nbsp;\uc81c\ub3c4\ub97c&nbsp;\ub3c4\uc785\ud558\uc5ec&nbsp;\uc790\ubc1c\uc801\uc73c\ub85c &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\ud1f4\uc9c1\uae08\uc744&nbsp;\ubaa8\uc73c\ub3c4\ub85d&nbsp;\ud558\ub294&nbsp;\uc808\uc138\ubc29\uc548\uc774&nbsp;\ubc1c\ub2ec\ub418\uc5b4&nbsp;\uc654\ub2e4.&nbsp;\ubbf8\uad6d\uc758&nbsp;\ud1f4\uc9c1\uc5f0\uae08&nbsp;\uc81c\ub3c4\ub97c &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\uc7ac\uc870\uba85\ud558\ub294&nbsp;\uae30\ud68c\ub97c&nbsp;\ubaa8\uc0c9\ud574&nbsp;\ubcf4\uc558\ub2e4. II.&nbsp;&nbsp;&nbsp;\ubbf8\uad6d\uc758&nbsp;\ud1f4\uc9c1\uc5f0\uae08&nbsp;\uc81c\ub3c4 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\ubbf8\uad6d\uc740&nbsp;\ud55c\uad6d\uacfc&nbsp;\uac19\uc740&nbsp;\ud1f4\uc9c1\uae08&nbsp;\uc81c\ub3c4\ub294&nbsp;\uc5c6\uc9c0\ub9cc&nbsp;\ub178\ud6c4\ubc29\uc9c0\uc2dc\uc2a4\ud15c\uc73c\ub85c&nbsp;3\uce35\uc758&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\uc0ac\ud68c\ubcf4\uc7a5\uc81c\ub3c4\ub97c&nbsp;\uac16\ucd94\uace0\uc788\ub2e4. 1\uce35:&nbsp;\uc0ac\ud68c\ubcf4\uc7a5\uc5f0\uae08&nbsp;(Social Security), 2&nbsp;\uce35: &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\ud1f4\uc9c1\uc5f0\uae08\uc81c\ub3c4-\uc790\ubc1c\uc801&nbsp;\uac00\uc785\uc774\uba70&nbsp;\uc720\ud615\uc774&nbsp;\ub2e4\uc591\ud558\ub2e4.&nbsp;\ud655\uc815\uae09\uc5ec\ud615(DB)\uacfc &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\ud655\uc815\uae30\uc5ec\ud615(DC)\uc744&nbsp;\uc911\uc2ec\uc73c\ub85c&nbsp;\ub2e4\uc591\ud55c&nbsp;\uc81c\ub3c4\ub97c&nbsp;\uc778\uc815\ud558\uace0&nbsp;\uc788\ub2e4.&nbsp;&nbsp;\uc801\ub9bd\uc744 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\uc6d0\uce59\uc73c\ub85c&nbsp;\ud558\uae30&nbsp;\ub54c\ubb38\uc5d0&nbsp;\ubbf8\uad6d&nbsp;\uc9c1\uc7a5\uc778\ub4e4\uc758&nbsp;\ud1f4\uc9c1\uc2dc&nbsp;\ub9e4\uc6b0&nbsp;\uc911\uc694\ud55c&nbsp;\uc790\uae08\ub9c8\ub828\uc774&nbsp;\ub41c\ub2e4. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3\uce35\uc758&nbsp;\uac1c\uc778\ud1f4\uc9c1\uad6c\uc88c(IRA)\ub294&nbsp;\ubbf8\uad6d\uc758&nbsp;\ub300\ud45c\uc801&nbsp;\uac1c\uc778\uc740\ud1f4\uad6c\uc88c\ub85c\uc368&nbsp;\uc138\uae08\uacf5\uc81c\ub97c&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\ubc1b\ub294&nbsp;\uc804\ud1b5\uc801&nbsp;IRA\uc640&nbsp;\ub85c\uc2a4&nbsp;IRA\ub4f1&nbsp;\ub2e4\uc591\ud558\uac8c&nbsp;\ud65c\uc6a9\ud560&nbsp;\uc218&nbsp;\uc788\ub294&nbsp;\uac1c\uc778\uc6a9&nbsp;\ud1f4\uc9c1\ud50c\ub79c\uc774\ub2e4. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\uc774\ub7ec\ud55c&nbsp;\ud1f4\uc9c1\uc5f0\uae08\uc81c\ub3c4\ub294&nbsp;\uc0ac\uc5c5\uc790(\ud68c\uc0ac)&nbsp;\uce21\uc5d0\uc11c\ub294&nbsp;\ubcf5\ub9ac\ud6c4\uc0dd\ucc28\uc6d0,&nbsp;\ubc95\uc778\uc138&nbsp;\uc808\uac10,&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\uc778\uc7ac\ud655\ubcf4\uc5d0&nbsp;\ud6a8\uacfc\ub97c&nbsp;\uac70\ub458&nbsp;\uc218&nbsp;\uc788\uace0&nbsp;\uadfc\ub85c\uc790&nbsp;(\uac1c\uc778)&nbsp;\uce21\uba74\uc5d0\uc11c\ub294&nbsp;\uae30\uc5c5\uc120\ud0dd\uc2dc&nbsp;\uc911\uc694&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\uc694\uc18c\ub85c&nbsp;\uc791\uc6a9\ud558\uba70&nbsp;\uc5f0\uae08\uc790\uc0b0&nbsp;\uc6b4\uc6a9\uc218\uc775\uc5d0&nbsp;\ub300\ud55c&nbsp;\uc18c\ub4dd\uc138&nbsp;\uacfc\uc138\uc774\uc5f0,&nbsp;\uc18c\ub4dd\uacf5\uc81c, &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\uc0ac\uc678\uc801\ub9bd\uc744&nbsp;\ud1b5\ud55c&nbsp;\ud1f4\uc9c1\uae09\uc5ec&nbsp;\ubcf4\uc7a5&nbsp;\ub4f1&nbsp;\uc5ec\ub7ec&nbsp;\uc7a5\uc810\ub4e4\uc774&nbsp;\uc788\ub2e4. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\ubbf8\uad6d&nbsp;\ud1f4\uc9c1\uc5f0\uae08&nbsp;\uc2dc\ud589\uc740&nbsp;\uc0ac\uc6a9\uc790\uc758&nbsp;\uc790\ubc1c\uc801&nbsp;\uc758\uc9c0\uc5d0&nbsp;\uc758\ud558\uc5ec&nbsp;\uacb0\uc815\ub418\uc9c0\ub9cc&nbsp;\uc77c\ub2e8&nbsp;\ub3c4\uc785 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\ub418\uba74&nbsp;\u2018\uadfc\ub85c\uc790&nbsp;\ud1f4\uc9c1\uae09\uc5ec&nbsp;\ubcf4\uc7a5\ubc95\u2019 (Employee Retirement Income Security Act:&nbsp;\uc77c\uba85 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ERISA-1974\ub144&nbsp;Ford&nbsp;\ub300\ud1b5\ub839&nbsp;\uc2dc\ud589)\uc5d0&nbsp;\uc758\ud574&nbsp;\uc5c4\uaca9\ud788&nbsp;\uaddc\uc81c\ub97c&nbsp;\ubc1b\uac8c&nbsp;\ub41c\ub2e4. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2006\ub144&nbsp;8\uc6d4,&nbsp;\ubd80\uc2dc&nbsp;\ub300\ud1b5\ub839&nbsp;\ub54c&nbsp;\uadfc\ub85c\uc790\ub4e4\uc758&nbsp;\ud1f4\uc9c1\uc5f0\uae08&nbsp;\uc9c0\uae09\uc744&nbsp;\ubcf4\ub2e4&nbsp;\ud655\uc2e4\ud788&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\ubcf4\uc7a5\ud558\uace0\uc790&nbsp;\u2018\ud1f4\uc9c1\uc5f0\uae08\ubcf4\ud638\ubc95\u2019(Pension Protection Act: PPA)\uc774&nbsp;\uc81c\uc815\ub418\uc5c8\ub2e4. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1980\ub144\ub300&nbsp;\ucd08\uc5d0&nbsp;\ub3c4\uc785\ub41c&nbsp;401(k) plan\uc740&nbsp;\ubbf8\uad6d&nbsp;\ud1f4\uc9c1\uc5f0\uae08\uc758&nbsp;\ub300\ud45c\uc801&nbsp;\ud50c\ub79c\uc73c\ub85c &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\ucd5c\uadfc&nbsp;\uac1c\ubd09\ub41c&nbsp;\uc601\ud654&nbsp;\u2018\ub2e4\uc774\ud558\ub4dc4\u2019\uc5d0\uc11c&nbsp;\uc8fc\uc778\uacf5\uc758&nbsp;401(k)&nbsp;\uacc4\uc88c\uc794\uace0\ub97c&nbsp;\ubaa8\ud2f0\ube0c\ub85c &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\ud560&nbsp;\uc815\ub3c4\ub85c&nbsp;\uac01\uad11\uc744&nbsp;\ubc1b\uace0&nbsp;\uc788\ub2e4. III.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\uacb0&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\ub860 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\ud604\uc2e4\uc801\uc73c\ub85c&nbsp;\ubbf8\uad6d\uc758&nbsp;\ub300\uae30\uc5c5\ub4e4\uc740&nbsp;\ub300\ubd80\ubd84&nbsp;\ud1f4\uc9c1\uc5f0\uae08&nbsp;\uc81c\ub3c4\ub97c&nbsp;\uc2dc\ud589\ud558\uace0&nbsp;\uc788\uc9c0\ub9cc &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\uc911\uc18c\uae30\uc5c5,&nbsp;\ud2b9\ud788&nbsp;\ud55c\uad6d\uc11c&nbsp;\uc9c4\ucd9c\ud55c&nbsp;\uc9c0\uc0c1\uc0ac&nbsp;\uacbd\uc6b0&nbsp;\ub3c4\uc785\uc774&nbsp;\uc548&nbsp;\ub41c&nbsp;\uacbd\uc6b0\uac00&nbsp;\uc0c1\ub2f9\ud788&nbsp;\ub9ce\ub2e4. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\uc5b4\ub824\uc6b4&nbsp;\uacbd\uc81c\uc5ec\uac74\uc73c\ub85c&nbsp;\ud1f4\uc9c1\uc5f0\uae08\uc744&nbsp;\uc81c\uacf5\ud558\ub294&nbsp;\ud68c\uc0ac\ub97c&nbsp;\ucc3e\ub294&nbsp;\uac83\uc740&nbsp;\uc26c\uc6b4&nbsp;\uc77c\uc774&nbsp;\uc544\ub2c8\ub2e4. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\ub530\ub77c\uc11c&nbsp;\ud1f4\uc9c1\uae08&nbsp;\ub9c8\ub828\uc740&nbsp;\uac01\uc790\uac00&nbsp;\uc740\ud1f4\ud50c\ub79c\uc744&nbsp;\uc138\uc6cc\uc11c&nbsp;\ucca0\uc800\ud55c&nbsp;\uc900\ube44\ub97c&nbsp;\uc9c0\uae08\ubd80\ud130&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\ud558\uc5ec\uc57c&nbsp;\ud55c\ub2e4. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\uae40&nbsp;&nbsp;\uc7a5&nbsp;&nbsp;\uc2dd, [&hellip;]<\/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-65","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/retirebooja.com\/blog\/wp-json\/wp\/v2\/posts\/65","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=65"}],"version-history":[{"count":2,"href":"https:\/\/retirebooja.com\/blog\/wp-json\/wp\/v2\/posts\/65\/revisions"}],"predecessor-version":[{"id":68,"href":"https:\/\/retirebooja.com\/blog\/wp-json\/wp\/v2\/posts\/65\/revisions\/68"}],"wp:attachment":[{"href":"https:\/\/retirebooja.com\/blog\/wp-json\/wp\/v2\/media?parent=65"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/retirebooja.com\/blog\/wp-json\/wp\/v2\/categories?post=65"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/retirebooja.com\/blog\/wp-json\/wp\/v2\/tags?post=65"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}