{"id":278,"date":"2025-09-24T12:43:36","date_gmt":"2025-09-24T12:43:36","guid":{"rendered":"https:\/\/yes0rich.com\/?p=278"},"modified":"2025-09-30T20:10:40","modified_gmt":"2025-09-30T11:10:40","slug":"%ea%b8%88%eb%a6%ac%eb%8a%94-%eb%82%ae%ec%95%84%ec%a1%8c%ec%a7%80%eb%a7%8c-%ec%a0%81%ea%b8%88%ec%9d%b4-%ec%97%ac%ec%a0%84%ed%9e%88-%ed%95%84%ec%9a%94%ed%95%9c-%ec%9d%b4%ec%9c%a0-3%ea%b0%80%ec%a7%80","status":"publish","type":"post","link":"https:\/\/yes0rich.com\/?p=278","title":{"rendered":"\uae08\ub9ac\ub294 \ub0ae\uc544\uc84c\uc9c0\ub9cc, \uc801\uae08\uc774 \uc5ec\uc804\ud788 \ud544\uc694\ud55c \uc774\uc720 3\uac00\uc9c0"},"content":{"rendered":"\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\ubaa9\ucc28<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"\ubaa9\ucc28 \ud1a0\uae00\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/yes0rich.com\/?p=278\/#%EA%B8%88%EB%A6%AC%EB%8A%94_%EB%82%AE%EC%95%84%EC%A1%8C%EC%A7%80%EB%A7%8C_%EC%A0%81%EA%B8%88%EC%9D%B4_%EC%97%AC%EC%A0%84%ED%9E%88_%ED%95%84%EC%9A%94%ED%95%9C_%EC%9D%B4%EC%9C%A0_3%EA%B0%80%EC%A7%80\" >\uae08\ub9ac\ub294 \ub0ae\uc544\uc84c\uc9c0\ub9cc, \uc801\uae08\uc774 \uc5ec\uc804\ud788 \ud544\uc694\ud55c \uc774\uc720 3\uac00\uc9c0<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/yes0rich.com\/?p=278\/#%E2%9C%85_%EC%9D%B4%EC%9C%A0_1_%EA%B8%88%EB%A6%AC%EB%8A%94_%EB%82%AE%EC%95%84%EB%8F%84_%E2%80%98%EC%A0%80%EC%B6%95_%EB%A3%A8%ED%8B%B4%EC%9D%80_%EC%97%AC%EC%A0%84%ED%9E%88_%EA%B0%95%EB%A0%A5%ED%95%98%EB%8B%A4\" >\u2705 \uc774\uc720 1. \uae08\ub9ac\ub294 \ub0ae\uc544\ub3c4 \u2018\uc800\ucd95 \ub8e8\ud2f4\u2019\uc740 \uc5ec\uc804\ud788 \uac15\ub825\ud558\ub2e4<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/yes0rich.com\/?p=278\/#%F0%9F%93%8C_%EC%98%88%EB%A5%BC_%EB%93%A4%EC%96%B4_%EB%B3%B4%EA%B2%A0%EC%8A%B5%EB%8B%88%EB%8B%A4\" >\ud83d\udccc \uc608\ub97c \ub4e4\uc5b4 \ubcf4\uaca0\uc2b5\ub2c8\ub2e4<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/yes0rich.com\/?p=278\/#%F0%9F%92%A1_%EB%A3%A8%ED%8B%B4%EC%9D%B4_%EB%A7%8C%EB%93%A4%EC%96%B4%EC%A7%80%EB%A9%B4_%EB%8B%AC%EB%9D%BC%EC%A7%80%EB%8A%94_%EA%B2%83\" >\ud83d\udca1 \ub8e8\ud2f4\uc774 \ub9cc\ub4e4\uc5b4\uc9c0\uba74 \ub2ec\ub77c\uc9c0\ub294 \uac83<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/yes0rich.com\/?p=278\/#%F0%9F%93%8B_%EC%B6%94%EC%B2%9C_%EC%A0%80%EC%B6%95_%EC%8A%B5%EA%B4%80%EB%A3%A8%ED%8B%B4_%EB%93%A4%EC%9D%B4%EA%B8%B0_%EC%98%88%EC%8B%9C\" >\ud83d\udccb \ucd94\ucc9c \uc800\ucd95 \uc2b5\uad00(\ub8e8\ud2f4) \ub4e4\uc774\uae30 \uc608\uc2dc<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/yes0rich.com\/?p=278\/#%E2%9C%85_%EC%9D%B4%EC%9C%A0_2_%EC%B4%88%EB%B3%B4%EC%9E%90%EB%8A%94_%EC%88%98%EC%9D%B5%EB%B3%B4%EB%8B%A4_%E2%80%98%EC%95%88%EC%A0%95%EC%84%B1%EC%9D%84_%EB%A8%BC%EC%A0%80_%EC%B1%99%EA%B2%A8%EC%95%BC_%ED%95%9C%EB%8B%A4\" >\u2705 \uc774\uc720 2. \ucd08\ubcf4\uc790\ub294 \uc218\uc775\ubcf4\ub2e4 \u2018\uc548\uc815\uc131\u2019\uc744 \uba3c\uc800 \ucc59\uaca8\uc57c \ud55c\ub2e4<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/yes0rich.com\/?p=278\/#%F0%9F%93%8C_%EC%A0%81%EA%B8%88%EC%9D%B4_%EC%A0%9C%EA%B3%B5%ED%95%98%EB%8A%94_%EC%95%88%EC%A0%95%EC%84%B1_5%EA%B0%80%EC%A7%80\" >\ud83d\udccc \uc801\uae08\uc774 \uc81c\uacf5\ud558\ub294 \uc548\uc815\uc131 5\uac00\uc9c0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/yes0rich.com\/?p=278\/#%F0%9F%A7%A0_%EC%8B%AC%EB%A6%AC%EC%A0%81_%ED%9A%A8%EA%B3%BC\" >\ud83e\udde0 \uc2ec\ub9ac\uc801 \ud6a8\uacfc<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/yes0rich.com\/?p=278\/#%E2%9C%85_%EC%9D%B4%EC%9C%A0_3_%EC%8B%A4%EC%86%8D_%EC%9E%88%EB%8A%94_%EC%A0%81%EA%B8%88_%EC%83%81%ED%92%88%EC%9D%80_%EC%95%84%EC%A7%81%EB%8F%84_%EC%A1%B4%EC%9E%AC%ED%95%9C%EB%8B%A4\" >\u2705 \uc774\uc720 3. \uc2e4\uc18d \uc788\ub294 \uc801\uae08 \uc0c1\ud488\uc740 \uc544\uc9c1\ub3c4 \uc874\uc7ac\ud55c\ub2e4<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/yes0rich.com\/?p=278\/#%F0%9F%8F%A6_2025%EB%85%84_9%EC%9B%94_%EA%B8%B0%EC%A4%80_%EC%A3%BC%EC%9A%94_%EC%A0%81%EA%B8%88_%EC%83%81%ED%92%88_%EB%B9%84%EA%B5%90\" >\ud83c\udfe6 2025\ub144 9\uc6d4 \uae30\uc900 \uc8fc\uc694 \uc801\uae08 \uc0c1\ud488 \ube44\uad50<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/yes0rich.com\/?p=278\/#%F0%9F%93%8C_%EC%9A%B0%EB%8C%80%EA%B8%88%EB%A6%AC_%EC%A1%B0%EA%B1%B4_%EC%98%88%EC%8B%9C_%EB%B3%B5%EC%9E%A1%ED%95%98%EC%A7%80_%EC%95%8A%EC%8A%B5%EB%8B%88%EB%8B%A4\" >\ud83d\udccc \uc6b0\ub300\uae08\ub9ac \uc870\uac74 \uc608\uc2dc (\ubcf5\uc7a1\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4)<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/yes0rich.com\/?p=278\/#%E2%9C%85_%EC%8B%A4%EC%B2%9C_%EC%A0%84%EB%9E%B5_%E2%80%93_%EC%A0%81%EA%B8%88_%EC%83%81%ED%92%88_%ED%99%9C%EC%9A%A9%EB%B2%95\" >\u2705 \uc2e4\ucc9c \uc804\ub7b5 \u2013 \uc801\uae08 \uc0c1\ud488 \ud65c\uc6a9\ubc95<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/yes0rich.com\/?p=278\/#%F0%9F%A7%AD_%EA%B2%B0%EA%B5%AD_%EC%A0%81%EA%B8%88%EC%9D%80_%EC%A7%80%EA%B8%88%EB%8F%84_%E2%80%98%EB%8F%88_%EA%B4%80%EB%A6%AC%EC%9D%98_%EC%8B%9C%EC%9E%91%EC%A0%90_%EC%9D%B4%EB%8B%A4\" >\ud83e\udded \uacb0\uad6d, \uc801\uae08\uc740 \uc9c0\uae08\ub3c4 \u2018\ub3c8 \uad00\ub9ac\uc758 \uc2dc\uc791\uc810\u2019 \uc774\ub2e4<\/a><\/li><\/ul><\/nav><\/div>\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%EA%B8%88%EB%A6%AC%EB%8A%94_%EB%82%AE%EC%95%84%EC%A1%8C%EC%A7%80%EB%A7%8C_%EC%A0%81%EA%B8%88%EC%9D%B4_%EC%97%AC%EC%A0%84%ED%9E%88_%ED%95%84%EC%9A%94%ED%95%9C_%EC%9D%B4%EC%9C%A0_3%EA%B0%80%EC%A7%80\"><\/span><br><strong>\uae08\ub9ac\ub294 \ub0ae\uc544\uc84c\uc9c0\ub9cc, \uc801\uae08\uc774 \uc5ec\uc804\ud788 \ud544\uc694\ud55c \uc774\uc720 3\uac00\uc9c0 <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"gb-block-image gb-block-image-2f9d7ac1\"><a href=\"https:\/\/yes0rich.com\/%ea%b8%88%eb%a6%ac%eb%8a%94-%eb%82%ae%ec%95%84%ec%a1%8c%ec%a7%80%eb%a7%8c-%ec%a0%81%ea%b8%88%ec%9d%b4-%ec%97%ac%ec%a0%84%ed%9e%88-%ed%95%84%ec%9a%94%ed%95%9c-%ec%9d%b4%ec%9c%a0-3%ea%b0%80%ec%a7%80\/#more-278\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" width=\"1080\" height=\"1080\" class=\"gb-image gb-image-2f9d7ac1 lazyload\" data-src=\"https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/09\/\uae08\ub9ac\ub294-\ub0ae\uc740\ub370-\uc801\uae08\uc774-\ud544\uc694\ud55c-\uc774\uc720.jpg\" alt=\"\" title=\"\uae08\ub9ac\ub294 \ub0ae\uc740\ub370 \uc801\uae08\uc774 \ud544\uc694\ud55c \uc774\uc720\" data-srcset=\"https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/09\/\uae08\ub9ac\ub294-\ub0ae\uc740\ub370-\uc801\uae08\uc774-\ud544\uc694\ud55c-\uc774\uc720.jpg 1080w, https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/09\/\uae08\ub9ac\ub294-\ub0ae\uc740\ub370-\uc801\uae08\uc774-\ud544\uc694\ud55c-\uc774\uc720-300x300.jpg 300w, https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/09\/\uae08\ub9ac\ub294-\ub0ae\uc740\ub370-\uc801\uae08\uc774-\ud544\uc694\ud55c-\uc774\uc720-1024x1024.jpg 1024w, https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/09\/\uae08\ub9ac\ub294-\ub0ae\uc740\ub370-\uc801\uae08\uc774-\ud544\uc694\ud55c-\uc774\uc720-150x150.jpg 150w, https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/09\/\uae08\ub9ac\ub294-\ub0ae\uc740\ub370-\uc801\uae08\uc774-\ud544\uc694\ud55c-\uc774\uc720-768x768.jpg 768w\" data-sizes=\"(max-width: 1080px) 100vw, 1080px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1080px; --smush-placeholder-aspect-ratio: 1080\/1080;\" \/><\/a><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p>2025\ub144 9\uc6d4 \ud604\uc7ac, \uc2dc\uc911 \uc801\uae08 \uae08\ub9ac\ub294 \ub300\ubd80\ubd84 <strong>\uc5f0 2~2.5% \uc218\uc900<\/strong>\uc785\ub2c8\ub2e4.<br>\uba87 \ub144 \uc804 5%\uac00 \ub118\ub294 \ud2b9\ud310 \uc801\uae08\uc774 \uc3df\uc544\uc9c0\ub358 \uc2dc\uc808\uc5d0 \ube44\ud558\uba74, \uc9c0\uae08 \uc801\uae08\uc740 \u2018\ubcc4 \uc758\ubbf8 \uc5c6\ub2e4\u2019\ub294 \ub9d0\ub3c4 \ub9ce\uc774 \ub4e4\ub9bd\ub2c8\ub2e4. <\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u201c\uc801\uae08 \ub123\uc73c\uba74 \uc774\uc790\ubcf4\ub2e4 \uc138\uae08\uc774 \ub354 \ub098\uac00\uc694.\u201d<br>\u201c\uadf8\ub0e5 \ud22c\uc790\ud558\ub294 \uac8c \ub0ab\uc9c0 \uc54a\ub098\uc694?\u201d<\/p>\n<\/blockquote>\n\n\n\n<p>\ud558\uc9c0\ub9cc \uc815\ub9d0 \uadf8\ub7f4\uae4c\uc694?<\/p>\n\n\n\n<p><strong>\uc9c0\uae08\ub3c4 \uc801\uae08\uc740 \uc5ec\uc804\ud788 \u2018\ub3c8 \uad00\ub9ac\uc758 \uac00\uc7a5 \uae30\ucd08\uc801\uc774\uace0 \uac15\ub825\ud55c \ub3c4\uad6c\u2019\uc785\ub2c8\ub2e4.<\/strong><br>\uadf8 \uc774\uc720\ub294 \ub2e8\uc21c\ud788 \uc774\uc790\uac00 \uc544\ub2c8\ub77c, <strong>\uc7ac\uc815\uc801 \uc548\uc815\uc131\uacfc \uad6c\uc870 \ud615\uc131\uc758 \uce21\uba74\uc5d0\uc11c \uacb0\uc815\uc801\uc778 \uc5ed\ud560<\/strong>\uc744 \ud558\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc774 \uae00\uc5d0\uc11c\ub294 <strong>2025\ub144 \uc9c0\uae08\ub3c4 \uc801\uae08\uc774 \uc720\ud6a8\ud55c \uc774\uc720 3\uac00\uc9c0<\/strong>\ub97c<br><strong>\uc2e4\uc81c \uae08\ub9ac, \uc0c1\ud488, \ud65c\uc6a9 \uc804\ub7b5<\/strong>\uacfc \ud568\uaed8 \uc0c1\uc138\ud788 \ud480\uc5b4\ub4dc\ub9bd\ub2c8\ub2e4.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%9C%85_%EC%9D%B4%EC%9C%A0_1_%EA%B8%88%EB%A6%AC%EB%8A%94_%EB%82%AE%EC%95%84%EB%8F%84_%E2%80%98%EC%A0%80%EC%B6%95_%EB%A3%A8%ED%8B%B4%EC%9D%80_%EC%97%AC%EC%A0%84%ED%9E%88_%EA%B0%95%EB%A0%A5%ED%95%98%EB%8B%A4\"><\/span><br>\u2705 \uc774\uc720 1. \uae08\ub9ac\ub294 \ub0ae\uc544\ub3c4 \u2018\uc800\ucd95 \ub8e8\ud2f4\u2019\uc740 \uc5ec\uc804\ud788 \uac15\ub825\ud558\ub2e4<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\uc694\uc998 \uc2dc\ub300\uc5d4 \u2018\uc218\uc775\ub960\u2019\ubcf4\ub2e4 <strong>\u2018\ub8e8\ud2f4(\uc2b5\uad00)\u2019\uc774 \ub354 \ud070 \uc790\uc0b0<\/strong>\uc785\ub2c8\ub2e4. \ubb3c\ub860 \uc218\uc775\ub960\uc774 \uc88b\uc73c\uba74 \uc708\uc708\uc774\uae34 \ud558\uc8e0.<br><br>\uc801\uae08\uc740 \ub2e8\uc21c\ud788 \uc774\uc790\ub97c \ubc1b\ub294 \uc218\ub2e8\uc774 \uc544\ub2c8\ub77c, <strong>\ub3c8\uc774 \uc0c8\uc9c0 \uc54a\ub294 \uad6c\uc870\ub97c \ub9cc\ub4dc\ub294 \uc2b5\uad00\ud615 \uc0c1\ud488<\/strong>\uc785\ub2c8\ub2e4. \uadf8\ub7ec\ub2c8\uae4c \ub0b4 \uc2b5\uad00\uc744 \ub4e4\uc774\uae30 \ub531 \uc88b\uc740 \uc0c1\ud488\uc774 \ubc14\ub85c \uc801\uae08\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%93%8C_%EC%98%88%EB%A5%BC_%EB%93%A4%EC%96%B4_%EB%B3%B4%EA%B2%A0%EC%8A%B5%EB%8B%88%EB%8B%A4\"><\/span>\ud83d\udccc \uc608\ub97c \ub4e4\uc5b4 \ubcf4\uaca0\uc2b5\ub2c8\ub2e4<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>\uc9c1\uc7a5\uc778 A\uc528\ub294 \ud55c \ub2ec\uc5d0 50\ub9cc \uc6d0\uc529 \uc800\ucd95\ud558\ub824\uace0 \ub9c8\uc74c\uba39\uc5c8\uc9c0\ub9cc,<br>\ub9e4\ub2ec \uc608\uc0c1\uce58 \ubabb\ud55c \uc9c0\ucd9c\uacfc \uce74\ub4dc\uac12\uc73c\ub85c \uacc4\ud68d\uc774 \ubb34\uc0b0\ub418\uace4 \ud588\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uadf8\ub7ec\ub2e4 <strong>\uc6d4\uae09\uc77c \ub2e4\uc74c \ub0a0 \uc790\ub3d9\uc774\uccb4 \uc124\uc815\uc744 \ud574\ub454 A\uc740\ud589 \uc801\uae08<\/strong>\uc744 \ud65c\uc6a9\ud558\uae30 \uc2dc\uc791\ud588\uace0,<br><strong>6\uac1c\uc6d4 \ub9cc\uc5d0 \uc544\ubb34 \uc758\uc2dd \uc5c6\uc774 300\ub9cc \uc6d0\uc744 \ubaa8\uc744 \uc218 \uc788\uc5c8\uc2b5\ub2c8\ub2e4.<\/strong><\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u2705 \ud575\uc2ec\uc740 \u2018\uacb0\uc2ec\u2019\uc774 \uc544\ub2c8\ub77c<strong> \u2018\uad6c\uc870\u2019<\/strong>\uc785\ub2c8\ub2e4.<\/p>\n<\/blockquote>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%92%A1_%EB%A3%A8%ED%8B%B4%EC%9D%B4_%EB%A7%8C%EB%93%A4%EC%96%B4%EC%A7%80%EB%A9%B4_%EB%8B%AC%EB%9D%BC%EC%A7%80%EB%8A%94_%EA%B2%83\"><\/span>\ud83d\udca1 \ub8e8\ud2f4\uc774 \ub9cc\ub4e4\uc5b4\uc9c0\uba74 \ub2ec\ub77c\uc9c0\ub294 \uac83<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u2018\ub0a8\uc740 \ub3c8 \u2192 \uc800\ucd95\u2019\uc774 \uc544\ub2c8\ub77c \u2018\uba3c\uc800 \ube60\uc9c0\ub294 \ub3c8 \u2192 \uc18c\ube44\u2019\ub85c \ubc14\ub01c<\/li>\n\n\n\n<li>\ubaa9\ud45c\uac00 \ub69c\ub837\ud574\uc9c0\uba74, \ubd88\ud544\uc694\ud55c \uc18c\ube44\uac00 \uc904\uc5b4\ub4ec<\/li>\n\n\n\n<li>\uc18c\ube44 \uc2a4\ud2b8\ub808\uc2a4\uac00 \uc904\uace0, <strong>\uc790\uae30\ud1b5\uc81c\uac10 \uc0c1\uc2b9<\/strong><\/li>\n\n\n\n<li>\ub2e4\uc74c \uc7ac\ud14c\ud06c \ub2e8\uacc4\ub85c \uc790\uc5f0\uc2a4\ub7fd\uac8c \uc804\ud658 \uac00\ub2a5 (IRP, ETF \ub4f1)<br><br>\uadf8\ub7fc \uc804\ub7b5\uc801\uc774\uace0 \uc62c\ubc14\ub978 \uc800\ucd95 \uc2b5\uad00 \ub4e4\uc774\uae30\uc758 \uc608\uc2dc\ub97c \ubcf4\uc5ec\ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%93%8B_%EC%B6%94%EC%B2%9C_%EC%A0%80%EC%B6%95_%EC%8A%B5%EA%B4%80%EB%A3%A8%ED%8B%B4_%EB%93%A4%EC%9D%B4%EA%B8%B0_%EC%98%88%EC%8B%9C\"><\/span>\ud83d\udccb \ucd94\ucc9c \uc800\ucd95 \uc2b5\uad00(\ub8e8\ud2f4) \ub4e4\uc774\uae30 \uc608\uc2dc<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\ud56d\ubaa9<\/th><th>\uc124\uc815<\/th><\/tr><\/thead><tbody><tr><td><strong>\uc790\ub3d9\uc774\uccb4 \ub0a0\uc9dc<\/strong><\/td><td>\uc6d4\uae09 \ub2e4\uc74c\ub0a0 (26\uc77c)<\/td><\/tr><tr><td><strong>\uae08\uc561<\/strong><\/td><td>10\ub9cc \uc6d0 ~ 30\ub9cc \uc6d0<\/td><\/tr><tr><td><strong>\ubaa9\uc801<\/strong><\/td><td>\ube44\uc0c1\uae08 \/ \uc5ec\ud589 \/ \ubd80\ubaa8\ub2d8 \uc6a9\ub3c8 \/ \ubcf4\ud5d8\ub8cc<\/td><\/tr><tr><td><strong>\uc0c1\ud488<\/strong><\/td><td>\ud558\ub098\uc740\ud589 \uc815\uae30\uc801\uae08, NH\uc62c\uc6d0e\uc815\uae30\uc801\uae08 \ub4f1<\/td><\/tr><tr><td><strong>\uc810\uac80 \uc8fc\uae30<\/strong><\/td><td>\ub9e4\uc6d4 1\uc77c \uc571 \ud655\uc778 (\uc608: \uce74\uce74\uc624\ubc45\ud06c \uc54c\ub9bc)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%9C%85_%EC%9D%B4%EC%9C%A0_2_%EC%B4%88%EB%B3%B4%EC%9E%90%EB%8A%94_%EC%88%98%EC%9D%B5%EB%B3%B4%EB%8B%A4_%E2%80%98%EC%95%88%EC%A0%95%EC%84%B1%EC%9D%84_%EB%A8%BC%EC%A0%80_%EC%B1%99%EA%B2%A8%EC%95%BC_%ED%95%9C%EB%8B%A4\"><\/span><br>\u2705 \uc774\uc720 2. \ucd08\ubcf4\uc790\ub294 \uc218\uc775\ubcf4\ub2e4 \u2018\uc548\uc815\uc131\u2019\uc744 \uba3c\uc800 \ucc59\uaca8\uc57c \ud55c\ub2e4<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\uc7ac\ud14c\ud06c\uc758 \uccab \ub2e8\uacc4\uc5d0\uc11c \uac00\uc7a5 \ubb34\uc11c\uc6b4 \uac74 <strong>\ubd88\uc548\uac10\uacfc \uc190\uc2e4 \uacbd\ud5d8<\/strong>\uc785\ub2c8\ub2e4.<br>\uc5b4\ub518\uac00\uc5d0 \ud22c\uc790\ub97c \ud558\uac70\ub098 \ub3c8\uc744 \ub4e4\uc774\ub294 \uac83\uc5d0 \ubd88\uc548\uac10\uc774 \uba3c\uc800 \ucc3e\uc544\uc62c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc18c\uc911\ud788 \ud53c \ub540\ud758\ub824 \ubc88 \ub3c8\uc744 \ud55c \ubc88\uc5d0 \uc783\uc744 \uc218\ub3c4 \uc788\uae30 \ub54c\ubb38\uc774\uc8e0.<\/p>\n\n\n\n<p>ETF, \uc8fc\uc2dd, \ucf54\uc778 \ub4f1 \ub2e4\uc591\ud55c \uae08\uc735 \uc218\ub2e8\uc774 \uc788\uc9c0\ub9cc,<br><strong>\ucd08\ubcf4\uc790\ub294 \ub2e8 \ud55c \ubc88\uc758 \uc190\ud574 \uacbd\ud5d8\uc73c\ub85c \uae08\uc735 \uc804\ubc18\uc5d0 \ub300\ud55c \uac70\ubd80\uac10\uc744 \uac16\uac8c \ub418\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.<\/strong><\/p>\n\n\n\n<p>\ubc18\uba74 \uc801\uae08\uc740 <strong>\uc190\uc2e4\uc774 \uc5c6\uace0, \ubbf8\ub798\ub97c \uc608\uce21\ud560 \uc218 \uc788\ub294 \uae08\uc735 \uc2b5\uad00 \ub3c4\uad6c<\/strong>\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%93%8C_%EC%A0%81%EA%B8%88%EC%9D%B4_%EC%A0%9C%EA%B3%B5%ED%95%98%EB%8A%94_%EC%95%88%EC%A0%95%EC%84%B1_5%EA%B0%80%EC%A7%80\"><\/span>\ud83d\udccc \uc801\uae08\uc774 \uc81c\uacf5\ud558\ub294 \uc548\uc815\uc131 5\uac00\uc9c0<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\uc694\uc18c<\/th><th>\uc124\uba85<\/th><\/tr><\/thead><tbody><tr><td>\u2705 \uc6d0\uae08 \ubcf4\uc7a5<\/td><td>\uc608\uae08\uc790\ubcf4\ud638\ubc95\uc5d0 \ub530\ub77c 1\uae08\uc735\uad8c \uc801\uae08\uc740 5,000\ub9cc \uc6d0\uae4c\uc9c0 \ubcf4\ud638 (25\ub144 9\uc6d4 1\uc77c\ubd80\ud130 1\uc5b5 \ud55c\ub3c4\uae4c\uc9c0)<\/td><\/tr><tr><td>\u2705 \uc774\uc790 \uc608\uce21 \uac00\ub2a5<\/td><td>\uc5b8\uc81c, \uc5bc\ub9c8\ub97c \ubc1b\ub294\uc9c0 \uba85\ud655<\/td><\/tr><tr><td>\u2705 \uc790\ub3d9\ud654 \uac00\ub2a5<\/td><td>\uc758\uc9c0\uc5d0 \uc758\uc874\ud558\uc9c0 \uc54a\uc74c<\/td><\/tr><tr><td>\u2705 \uc815\ubcf4 \uc811\uadfc \uc26c\uc6c0<\/td><td>\uc571\uc5d0\uc11c \uc190\uc27d\uac8c \uac00\uc785\u00b7\ud574\uc9c0 \uac00\ub2a5<\/td><\/tr><tr><td>\u2705 \uae08\uc735 \uc0ac\uace0 \ubc29\uc9c0<\/td><td>\ud30c\uc0dd\uc0c1\ud488, \ud22c\uc790\uc2e4\uc218\ub85c \uc778\ud55c \uc190\uc2e4 \uc704\ud5d8 \uc5c6\uc74c<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%A7%A0_%EC%8B%AC%EB%A6%AC%EC%A0%81_%ED%9A%A8%EA%B3%BC\"><\/span>\ud83e\udde0 \uc2ec\ub9ac\uc801 \ud6a8\uacfc<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u201c\ub098\ub294 \uc800\ucd95\uc744 \ubabb \ud574\u201d\ub77c\ub294 \ud328\ubc30\uac10\uc5d0\uc11c \ubc97\uc5b4\ub0a8<\/li>\n\n\n\n<li>\uc791\uc740 \uc131\uacf5 \u2192 \uc810\uc9c4\uc801 \uc790\uc2e0\uac10<\/li>\n\n\n\n<li><strong>\uae08\uc735 \ucf58\ud150\uce20 \uc18c\ube44, \uc7ac\ubb34 \uacc4\ud68d, \ud22c\uc790 \uacf5\ubd80<\/strong>\ub85c\uc758 \uc5f0\uacb0 \uac00\ub2a5\uc131 \ub192\uc74c<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<figure class=\"gb-block-image gb-block-image-10cbefed\"><img decoding=\"async\" width=\"1080\" height=\"1080\" class=\"gb-image gb-image-10cbefed lazyload\" data-src=\"https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/09\/\uae08\ub9ac\ub294-\ub0ae\uc544\uc84c\uc9c0\ub9cc-\uc801\uae08\uc774-\uc5ec\uc804\ud788-\ud544\uc694\ud55c-\uc774\uc7203.jpg\" alt=\"\" title=\"\uae08\ub9ac\ub294 \ub0ae\uc544\uc84c\uc9c0\ub9cc \uc801\uae08\uc774 \uc5ec\uc804\ud788 \ud544\uc694\ud55c \uc774\uc7203\" data-srcset=\"https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/09\/\uae08\ub9ac\ub294-\ub0ae\uc544\uc84c\uc9c0\ub9cc-\uc801\uae08\uc774-\uc5ec\uc804\ud788-\ud544\uc694\ud55c-\uc774\uc7203.jpg 1080w, https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/09\/\uae08\ub9ac\ub294-\ub0ae\uc544\uc84c\uc9c0\ub9cc-\uc801\uae08\uc774-\uc5ec\uc804\ud788-\ud544\uc694\ud55c-\uc774\uc7203-300x300.jpg 300w, https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/09\/\uae08\ub9ac\ub294-\ub0ae\uc544\uc84c\uc9c0\ub9cc-\uc801\uae08\uc774-\uc5ec\uc804\ud788-\ud544\uc694\ud55c-\uc774\uc7203-1024x1024.jpg 1024w, https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/09\/\uae08\ub9ac\ub294-\ub0ae\uc544\uc84c\uc9c0\ub9cc-\uc801\uae08\uc774-\uc5ec\uc804\ud788-\ud544\uc694\ud55c-\uc774\uc7203-150x150.jpg 150w, https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/09\/\uae08\ub9ac\ub294-\ub0ae\uc544\uc84c\uc9c0\ub9cc-\uc801\uae08\uc774-\uc5ec\uc804\ud788-\ud544\uc694\ud55c-\uc774\uc7203-768x768.jpg 768w\" data-sizes=\"(max-width: 1080px) 100vw, 1080px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1080px; --smush-placeholder-aspect-ratio: 1080\/1080;\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%9C%85_%EC%9D%B4%EC%9C%A0_3_%EC%8B%A4%EC%86%8D_%EC%9E%88%EB%8A%94_%EC%A0%81%EA%B8%88_%EC%83%81%ED%92%88%EC%9D%80_%EC%95%84%EC%A7%81%EB%8F%84_%EC%A1%B4%EC%9E%AC%ED%95%9C%EB%8B%A4\"><\/span><br><br>\u2705 \uc774\uc720 3. \uc2e4\uc18d \uc788\ub294 \uc801\uae08 \uc0c1\ud488\uc740 \uc544\uc9c1\ub3c4 \uc874\uc7ac\ud55c\ub2e4<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\ub9ce\uc740 \ubd84\ub4e4\uc774 \uc774\ub807\uac8c \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u201c\uc801\uae08 \ub2e4 \uae08\ub9ac \ub0ae\uc796\uc544\uc694. \uc774\uc81c 5%\uc9dc\ub9ac\ub294 \uc5c6\uc5b4\uc694.\u201d<\/p>\n<\/blockquote>\n\n\n\n<p>\ub9de\ub294 \ub9d0\uc785\ub2c8\ub2e4.<br><strong>2025\ub144 \uae30\uc900, \uace0\uae08\ub9ac \ud2b9\ud310\uc740 \uac70\uc758 \uc0ac\ub77c\uc84c\uc2b5\ub2c8\ub2e4.<\/strong><\/p>\n\n\n\n<p>\ud558\uc9c0\ub9cc \uadf8\ub807\ub2e4\uace0 \ud574\ub3c4, <strong>\uc5f0 3% \uc774\uc0c1\uc744 \ubc1b\uc744 \uc218 \uc788\ub294 \uc2e4\uc18d\ud615 \uc801\uae08 \uc0c1\ud488<\/strong>\uc740 \uc5ec\uc804\ud788 \uc874\uc7ac\ud569\ub2c8\ub2e4.<br>\ud2b9\ud788 <strong>\ubaa8\ubc14\uc77c \ube44\ub300\uba74 \uc804\uc6a9 \uc0c1\ud488<\/strong>\uacfc <strong>\uc6b0\ub300 \uc870\uac74\uc774 \uac04\ub2e8\ud55c \uc0c1\ud488<\/strong>\uc740 \uc5ec\uc804\ud788 \uc720\ud6a8\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%8F%A6_2025%EB%85%84_9%EC%9B%94_%EA%B8%B0%EC%A4%80_%EC%A3%BC%EC%9A%94_%EC%A0%81%EA%B8%88_%EC%83%81%ED%92%88_%EB%B9%84%EA%B5%90\"><\/span>\ud83c\udfe6 2025\ub144 9\uc6d4 \uae30\uc900 \uc8fc\uc694 \uc801\uae08 \uc0c1\ud488 \ube44\uad50<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\uc740\ud589<\/th><th>\uc0c1\ud488\uba85<\/th><th>\uae30\ubcf8\uae08\ub9ac (\uc5f0)<\/th><th>\uc6b0\ub300\uae08\ub9ac<\/th><th>\ucd5c\ub300 \uc801\uc6a9\uae08\ub9ac<\/th><\/tr><\/thead><tbody><tr><td><strong>\ud558\ub098\uc740\ud589<\/strong><\/td><td>\uc624\ub298\ubd80\ud130, \ud558\ub098 \uc801\uae08<\/td><td>2.00%<\/td><td>+5.70%<\/td><td><strong>7.70%<\/strong><\/td><\/tr><tr><td><strong>NH\ub18d\ud611<\/strong><\/td><td>NH\uc62c\uc6d0e \ubbf8\ub2c8\uc801\uae08<\/td><td>2.15%<\/td><td>+1.70%<\/td><td><strong><strong>3.85%<\/strong><\/strong><\/td><\/tr><tr><td><strong>\uce74\uce74\uc624\ubc45\ud06c<\/strong><\/td><td>26\uc8fc \uc801\uae08<\/td><td>2.00%<\/td><td>+3.00%<\/td><td><strong>5.00%<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>\ud558\ub098\uc740\ud589\uc758 \uc624\ub298\ubd80\ud130, \ud558\ub098 \uc801\uae08\uc758 \uac19\uc740 \uacbd\uc6b0 2025.09.03(\uc218)~2025.12.31(\uc218), 5\ub9cc\uc88c \ud55c\uc815<\/strong>\uc73c\ub85c \ud310\ub9e4\uae30\uac04\uc73c\ub85c \ub098\uc640\uc788\uc73c\ub098 5\ub9cc\uc88c\uac00 \ucc44\uc6cc\uc9c0\uba74 \uc544\ub9c8\ub3c4 \uc885\ub8cc\ub418\uaca0\uc8e0.<br><br><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%93%8C_%EC%9A%B0%EB%8C%80%EA%B8%88%EB%A6%AC_%EC%A1%B0%EA%B1%B4_%EC%98%88%EC%8B%9C_%EB%B3%B5%EC%9E%A1%ED%95%98%EC%A7%80_%EC%95%8A%EC%8A%B5%EB%8B%88%EB%8B%A4\"><\/span><br>\ud83d\udccc \uc6b0\ub300\uae08\ub9ac \uc870\uac74 \uc608\uc2dc (\ubcf5\uc7a1\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4)<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\uc870\uac74 \ud56d\ubaa9<\/th><th>\ub0b4\uc6a9<\/th><\/tr><\/thead><tbody><tr><td>\uc790\ub3d9\uc774\uccb4<\/td><td>\uc6d4 1\ud68c\ub9cc \ub4f1\ub85d\ud574\ub3c4 \uac00\ub2a5<\/td><\/tr><tr><td>\ub9c8\ucf00\ud305 \uc218\uc2e0 \ub3d9\uc758<\/td><td>\uccb4\ud06c \ud55c \ubc88<\/td><\/tr><tr><td>\uc571 \ub85c\uadf8\uc778<\/td><td>\uc6d4 1\ud68c \ub85c\uadf8\uc778 \uc2dc<\/td><\/tr><tr><td>\uae09\uc5ec\uc774\uccb4 \ub4f1\ub85d<\/td><td>\uc120\ud0dd\uc801<\/td><\/tr><tr><td>\uc801\uae08 \uc720\uc9c0 \uae30\uac04<\/td><td>6\uac1c\uc6d4 \uc774\uc0c1<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\uac01 \uc740\ud589\uc5d0 \ud655\uc778 \ud544\uc694\ud569\ub2c8\ub2e4!<br>\ub300\ubd80\ubd84 <strong>\uae30\ubcf8\uc801\uc778 \uae08\uc735 \uc0dd\ud65c<\/strong>\ub9cc \uc720\uc9c0\ud574\ub3c4 \uc6b0\ub300\uae08\ub9ac\ub97c \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%9C%85_%EC%8B%A4%EC%B2%9C_%EC%A0%84%EB%9E%B5_%E2%80%93_%EC%A0%81%EA%B8%88_%EC%83%81%ED%92%88_%ED%99%9C%EC%9A%A9%EB%B2%95\"><\/span>\u2705 \uc2e4\ucc9c \uc804\ub7b5 \u2013 \uc801\uae08 \uc0c1\ud488 \ud65c\uc6a9\ubc95<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\uc804\ub7b5<\/th><th>\uc124\uba85<\/th><\/tr><\/thead><tbody><tr><td><strong>\ubaa9\uc801\ubcc4\ub85c \ud1b5\uc7a5 \ub098\ub204\uae30<\/strong><\/td><td>\uc5ec\ud589 \uc801\uae08, \ubcf4\ud5d8 \uc801\uae08, \uc5f0\ub9d0\uc815\uc0b0 \ub300\ube44 \ub4f1<\/td><\/tr><tr><td><strong>\uc18c\uc561\uc73c\ub85c \uc2dc\uc791<\/strong><\/td><td>\uc6d4 5\ub9cc \uc6d0\ubd80\ud130\ub3c4 \uac00\ub2a5<\/td><\/tr><tr><td><strong>\ub8e8\ud2f4\uc744 \uace0\uc815\ud654<\/strong><\/td><td>\ub9e4\uc6d4 \uc77c\uc815\uc77c, \uc77c\uc815 \uae08\uc561, \uc77c\uc815 \ud1b5\uc7a5<\/td><\/tr><tr><td><strong>1~2\uac1c \uc740\ud589\uc5d0 \uc9d1\uc911<\/strong><\/td><td>\uad00\ub9ac \ud3b8\ud558\uace0, \uc6b0\ub300\uc870\uac74 \uc720\uc9c0 \uc26c\uc6c0<\/td><\/tr><tr><td><strong>6\uac1c\uc6d4~1\ub144 \ub2e8\uc704 \uc6b4\uc601<\/strong><\/td><td>\ubd80\ub2f4 \uc5c6\uc774 \ub2e8\uae30 \ubaa9\ud45c \ub2ec\uc131<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%A7%AD_%EA%B2%B0%EA%B5%AD_%EC%A0%81%EA%B8%88%EC%9D%80_%EC%A7%80%EA%B8%88%EB%8F%84_%E2%80%98%EB%8F%88_%EA%B4%80%EB%A6%AC%EC%9D%98_%EC%8B%9C%EC%9E%91%EC%A0%90_%EC%9D%B4%EB%8B%A4\"><\/span>\ud83e\udded \uacb0\uad6d, \uc801\uae08\uc740 \uc9c0\uae08\ub3c4 \u2018\ub3c8 \uad00\ub9ac\uc758 \uc2dc\uc791\uc810\u2019 \uc774\ub2e4<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>2025\ub144\uc740 \ubd84\uba85 \uace0\uae08\ub9ac \uc2dc\ub300\uac00 \uc544\ub2d9\ub2c8\ub2e4.<br>\ud558\uc9c0\ub9cc \uc9c0\uae08\ub3c4 \ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc774 <strong>\ub3c8\uc744 \ubaa8\uc73c\ub294 \ub370 \uc5b4\ub824\uc6c0\uc744 \uacaa\uace0<\/strong> \uc788\uace0,<br>\uc7ac\ud14c\ud06c\ub97c \uc2dc\uc791\ud588\ub2e4\uac00 <strong>\uccab \uc2e4\ud328\ub85c \uc804\ubd80 \ud3ec\uae30\ud574\ubc84\ub9ac\ub294 \uc77c<\/strong>\ub3c4 \ube48\ubc88\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uae08\ub9ac\ub294 \ub0ae\uc544\uc84c\uc9c0\ub9cc \uc801\uae08\uc774 \uc5ec\uc804\ud788 \ud544\uc694\ud55c \uc774\uc720\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc774\ub7f4 \ub54c \ud544\uc694\ud55c \uac74 \uace0\uc218\uc775\uc774 \uc544\ub2c8\ub77c,<br>\uc2e4\ud328\ud558\uc9c0 \uc54a\ub294 \ub3c8 \uad00\ub9ac\uc758 \u2018\ucd9c\ubc1c\uc810\u2019\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\uc801\uae08\uc740 \ub354 \uc774\uc0c1 \u2018\ub3c8\uc744 \ubd88\ub9ac\ub294 \uc218\ub2e8\u2019\uc774 \uc544\ub2d9\ub2c8\ub2e4.<br>\uc774\uc81c\ub294 <strong>\u2018\ub3c8\uc744 \uc124\uacc4\ud558\uace0 \ud750\ub984\uc744 \uc81c\uc5b4\ud558\ub294 \uc2b5\uad00\u2019\uc758 \ucd9c\ubc1c\uc120<\/strong>\uc785\ub2c8\ub2e4.<\/p>\n<\/blockquote>\n\n\n\n<p>\uc9c0\uae08 \uc774 \uae00\uc744 \uc77d\ub294 \ub2f9\uc2e0\ub3c4<br>\uc624\ub298 \ub2e8 1\uac1c\uc758 \uc801\uae08\ub9cc \uac1c\uc124\ud574 \ubcf4\ub294 \uac83\uc73c\ub85c,<br><strong>\ub3c8\uacfc\uc758 \uad00\uacc4\ub97c \ubc14\uafb8\ub294 \uccab\uac78\uc74c\uc744 \ub0b4\ub514\ub51c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"gb-block-image gb-block-image-5a298186\"><a href=\"https:\/\/yes0rich.com\/2025-%eb%8f%88-%ea%b4%80%eb%a6%ac%eb%b2%95-%ed%86%b5%ec%9e%a5%ed%8e%b8-%ed%86%b5%ec%9e%a5-%ec%aa%bc%ea%b0%9c%ea%b8%b0%ec%99%80-%ec%9e%90%ec%82%b0-%ec%9e%90%eb%8f%99%ed%99%94%eb%a1%9c\/#more-273\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" width=\"458\" height=\"223\" class=\"gb-image gb-image-5a298186 lazyload\" data-src=\"https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/09\/\ub2e4\uc74c-\uae00-\ubcf4\uae30.jpg\" alt=\"\" title=\"\ub2e4\uc74c \uae00 \ubcf4\uae30\" data-srcset=\"https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/09\/\ub2e4\uc74c-\uae00-\ubcf4\uae30.jpg 458w, https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/09\/\ub2e4\uc74c-\uae00-\ubcf4\uae30-300x146.jpg 300w\" data-sizes=\"(max-width: 458px) 100vw, 458px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 458px; --smush-placeholder-aspect-ratio: 458\/223;\" \/><\/a><\/figure>\n\n\n\n<p><br><br><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uae08\ub9ac\ub294 \ub0ae\uc544\uc84c\uc9c0\ub9cc, \uc801\uae08\uc774 \uc5ec\uc804\ud788 \ud544\uc694\ud55c \uc774\uc720 3\uac00\uc9c0 2025\ub144 9\uc6d4 \ud604\uc7ac, \uc2dc\uc911 \uc801\uae08 \uae08\ub9ac\ub294 \ub300\ubd80\ubd84 \uc5f0 2~2.5% \uc218\uc900\uc785\ub2c8\ub2e4.\uba87 \ub144 \uc804 5%\uac00 &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"\uae08\ub9ac\ub294 \ub0ae\uc544\uc84c\uc9c0\ub9cc, \uc801\uae08\uc774 \uc5ec\uc804\ud788 \ud544\uc694\ud55c \uc774\uc720 3\uac00\uc9c0\" class=\"read-more button\" href=\"https:\/\/yes0rich.com\/?p=278#more-278\" aria-label=\"\uae08\ub9ac\ub294 \ub0ae\uc544\uc84c\uc9c0\ub9cc, \uc801\uae08\uc774 \uc5ec\uc804\ud788 \ud544\uc694\ud55c \uc774\uc720 3\uac00\uc9c0\uc5d0 \ub300\ud574 \ub354 \uc790\uc138\ud788 \uc54c\uc544\ubcf4\uc138\uc694\">\uc790\uc138\ud788 \ubcf4\uae30<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[24,31,33,34,35,36],"class_list":["post-278","post","type-post","status-publish","format-standard","hentry","category-economic-policy-information","tag-24","tag-31","tag-33","tag-34","tag-35","tag-36"],"_links":{"self":[{"href":"https:\/\/yes0rich.com\/index.php?rest_route=\/wp\/v2\/posts\/278","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/yes0rich.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/yes0rich.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/yes0rich.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/yes0rich.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=278"}],"version-history":[{"count":3,"href":"https:\/\/yes0rich.com\/index.php?rest_route=\/wp\/v2\/posts\/278\/revisions"}],"predecessor-version":[{"id":296,"href":"https:\/\/yes0rich.com\/index.php?rest_route=\/wp\/v2\/posts\/278\/revisions\/296"}],"wp:attachment":[{"href":"https:\/\/yes0rich.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=278"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/yes0rich.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=278"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/yes0rich.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=278"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}