{"id":18770,"date":"2024-05-20T10:49:00","date_gmt":"2024-05-20T14:49:00","guid":{"rendered":"https:\/\/faith4.net\/?p=18770"},"modified":"2024-05-20T15:03:10","modified_gmt":"2024-05-20T19:03:10","slug":"%ec%9d%80%ed%87%b4-%eb%aa%a9%ed%9a%8c%ec%9e%90%eb%a5%bc-%ec%9c%84%ed%95%9c-16%ea%b0%80%ec%a7%80-%ec%b2%b4%ed%81%ac%eb%a6%ac%ec%8a%a4%ed%8a%b8","status":"publish","type":"post","link":"https:\/\/faith4.net\/2024\/05\/20\/%ec%9d%80%ed%87%b4-%eb%aa%a9%ed%9a%8c%ec%9e%90%eb%a5%bc-%ec%9c%84%ed%95%9c-16%ea%b0%80%ec%a7%80-%ec%b2%b4%ed%81%ac%eb%a6%ac%ec%8a%a4%ed%8a%b8\/","title":{"rendered":"\uc740\ud1f4 \ubaa9\ud68c\uc790\ub97c \uc704\ud55c 16\uac00\uc9c0 \uccb4\ud06c\ub9ac\uc2a4\ud2b8"},"content":{"rendered":"\n

\u201c\ubca0\uc774\ube44\ubd90 \uc138\ub300\uc5d0\uac8c \u2018\uc740\ud1f4\u2019\ub294 \ub2e4\uc591\ud55c \uc758\ubbf8\ub97c \uc9c0\ub2c8\uace0 \uc788\ub2e4. \ud1b0 \ub808\uc774\ub108\uc758 \uc740\ud1f4 \ubaa9\ud68c\uc790\ub97c \uc704\ud55c 16\uac00\uc9c0 \uccb4\ud06c\ub9ac\uc2a4\ud2b8\ub294 \ubaa9\ud68c\uc790\uac00 \uace0\ub824\ud574\uc57c \ud560 \uc0ac\ud56d\uc744 \uc0c1\uae30\uc2dc\ucf1c\uc900\ub2e4. <\/p>\n\n\n\n

1. \uac1c\uc778 \uc7ac\uc815\uacfc \ubaa9\ud68c\uc790 \uc7ac\uc815 \ubaa8\ub450\ub97c \uc798 \uc544\ub294 \uc0ac\ub78c\uc5d0\uac8c \uc7ac\uc815\uc801\uc778 \uc870\uc5b8\uc744 \uad6c\ud558\ub77c. \uc740\ud1f4 \uac00\ub2a5\uc131\uc744 \uac80\ud1a0\ud558\uae30 \uc704\ud574 \ub2e8\uae30\uc801\uc778 \uc870\uc5b8\uc744 \ubc1b\ub354\ub77c\ub3c4 \uadf8\ub9cc\ud55c \uac00\uce58\uac00 \uc788\ub2e4. \ub9ce\uc740 \uc740\ud1f4\uc790\ub4e4\uc774 \ube60\uc9c0\ub294 \ud22c\uc790 \ubc0f \uc138\uae08\uc758 \ud568\uc815\uc744 \ud53c\ud560 \uc218 \uc788\ub2e4. \ubaa8\ub450\uac00 \uc8fc\ub85c \ubaa9\ud68c\uc790 \uc7ac\uc815\uc758 \uc138\uacc4\ub97c \uc774\ud574\ud558\ub294 \uc0ac\ub78c\uc774 \ud544\uc694\ud558\ub2e4. <\/p>\n\n\n\n

2. \uc740\ud1f4 \ud6c4\uc758 \uc0b6\uc5d0 \ub300\ud55c \ucd08\uae30 \uacb0\uc815\uc744 \ub0b4\ub9b0\ub2e4. \uc7a5\uae30\uc801\uc778 \uacb0\uc815\uc744 \ub0b4\ub9b4 \ud544\uc694\ub294 \uc5c6\uc9c0\ub9cc \uc5b4\ub5a4 \uc885\ub958\uc758 \uacb0\uc815\uc744 \ub0b4\ub9b4 \uc900\ube44\ub97c \ud558\ub77c. \uacc4\ud68d \uc5c6\uc774 \uc9c1\uc7a5\uc744 \ub5a0\ub098\ub294 \uc740\ud1f4\uc790\ub294 \uc77c\ubc18\uc801\uc73c\ub85c \uc0c8\ub85c\uc6b4 \uc138\uc0c1\uc5d0\uc11c \uae38\uc744 \uc783\uac8c \ub41c\ub2e4. \ud2b9\ud788 \ucd08\uae30 \uacc4\ud68d \uc5c6\uc774 \uc0ac\uc5ed\uc744 \ub5a0\ub098\ub294 \ubaa9\ud68c\uc790\ub098 \uad50\ud68c \uc9c1\uc6d0\uc740 \ubd88\uc548\ud574\ud558\uace0 \ucd5c\uc545\uc758 \uacbd\uc6b0 \uc6b0\uc6b8\ud55c \uae30\ubd84\uc744 \ub290\ub07c\uac8c \ub41c\ub2e4.<\/p>\n\n\n\n

3. \uacf5\uc778\uc7ac\ubb34\uc124\uacc4\uc0ac(CFP) \ub4f1 \ub2e4\uc74c \ub2e8\uacc4\ub97c \uc704\ud55c \uc0c8\ub85c\uc6b4 \ud6c8\ub828\uc744 \uace0\ub824\ud558\ub77c. <\/p>\n\n\n\n

4. \uc740\ud1f4 \ud61c\ud0dd\uc5d0 \ub300\ud55c \uc774\ud574. \uc740\ud1f4 \uc18c\ub4dd\uc758 \ucd9c\ucc98\uac00 \uc5b4\ub514\uc778\uc9c0 \uc54c\uc544\uc57c \ud55c\ub2e4. \uc0ac\ud68c\ubcf4\uc7a5\uc5f0\uae08\uc744 \ubc1b\uc744 \uc218 \uc788\ub098? \uadf8\ub807\ub2e4\uba74 \uba87 \uc0b4\ubd80\ud130 \ubc1b\uc744 \uc218 \uc788\ub098? 401(k) \ub610\ub294 403(b)\ub97c \uac00\uc9c0\uace0 \uc788\ub098? \uc774 \uac83\ub4e4\uc744 \uc5b8\uc81c\ubd80\ud130 \uc778\ucd9c\uc744 \uc2dc\uc791\ud558\ub098? \uc5f0\uae08\uc744 \ubc1b\uc744 \uc218 \uc5c6\uc790\ub294 \uc54a\uc740\uc9c0?<\/p>\n\n\n\n

5. \uc740\ud1f4 \uc790\uae08\uc744 \uc704\ud5d8\uc5d0 \ube60\ub728\ub9ac\uc9c0 \ub9d0\ub77c. \uc740\ud1f4 \ud6c4\uc5d0\ub294 \uc790\uae08\uc744 \ub354\uc6b1 \ubcf4\uc218\uc801\uc73c\ub85c \uc6b4\uc6a9\ud574\uc57c \ud55c\ub2e4. 2007~2008\ub144 \uae00\ub85c\ubc8c \uae08\uc735\uc704\uae30 \ub54c \ud55c \uc740\ud1f4 \ubaa9\ud68c\uc790\ub294 \uc740\ud1f4 \uc790\uae08\uc758 \uc808\ubc18\uc778 100\ub9cc \ub2ec\ub7ec\ub97c \uc783\uc5c8\ub2e4. \uadf8\ub294 \ub2f9\uc2dc \uacbd\uc81c \ud658\uacbd\uc744 \uc774\uaca8\ub0bc \uc218 \uc5c6\ub2e4\uace0 \ud310\ub2e8\ud558\uc5ec \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc758 \uac70\uc758 \uc804\ubd80\uc600\ub358 \uc8fc\uc2dd \ud380\ub4dc\ub97c \ub9e4\uac01\ud588\ub2e4. \uacb0\uacfc\uc801\uc73c\ub85c \uadf8\ub294 \uc190\uc2e4\uc744 \ud68c\ubcf5\ud558\uc9c0 \ubabb\ud588\ub2e4.<\/p>\n\n\n\n

6. RMD(Required Minimum Distribution), \uc740\ud1f4\ud6c4 73\uc138\uac00 \ub418\uba74 \ub9e4\ud574 \ucd5c\uc18c\ud55c\uc758 \uc815\ud574\uc9c4 \uc77c\uc815 \uae08\uc561\uc744 \ucc3e\uc544 \uc368\uc57c \ud558\ub294 \uac15\uc81c\uc778\ucd9c \uc81c\ub3c4\uc5d0 \uad00\ud55c \ubc95\ub960\uc744 \uc774\ud574\ud558\ub77c. 401(k), 403(b), 457(b), IRA(\ub85c\uc2a4 \uc81c\uc678) \ub610\ub294 \uc774\uc640 \uc720\uc0ac\ud55c \ud380\ub4dc\uac00 \uc788\ub294 \uacbd\uc6b0 \ub9e4\ub144 \ucd5c\uc18c \uae08\uc561\uc744 \uc778\ucd9c\ud574\uc57c \ud55c\ub2e4. \uc774 \ucd5c\uc18c \uae08\uc561\uc744 \uc758\ubb34 \ucd5c\uc18c \ubd84\ubc30\uae08 \ub610\ub294 RMD\ub77c\uace0 \ud55c\ub2e4. \ub300\ubd80\ubd84\uc758 \uacbd\uc6b0 72\uc138(2022\ub144 12\uc6d4 31\uc77c \uc774\ud6c4 72\uc138\uac00 \ub418\ub294 \uacbd\uc6b0 73\uc138)\ubd80\ud130 RMD\uac00 \uc2dc\uc791\ub418\uc9c0\ub9cc, \ub354 \uc77c\ucc0d \uc778\ucd9c\ud560 \uc218\ub3c4 \uc788\ub2e4. RMD\uc5d0 \ub300\ud574\uc11c\ub294 \uc18c\ub4dd\uc138\ub97c \ub0a9\ubd80\ud574\uc57c \ud55c\ub2e4.\u00a0<\/p>\n\n\n\n

7. RMD\ub97c \uc8fc\ud0dd \uc218\ub2f9\uc73c\ub85c \uc218\ub839\ud558\ub294 \uac83\uc744 \uace0\ub824\ud558\ub77c. RMD\ub97c \uc8fc\ud0dd \uc218\ub2f9\uc73c\ub85c \uc218\ub839\ud560 \uc218 \uc788\ub294 \uc790\uaca9\uc774 \uc788\uc744 \uc218 \uc788\ub2e4. \uc774\ub294 \uc740\ud1f4 \uc790\uae08\uc774 \uc5b4\ub514\uc5d0 \ud22c\uc790\ub418\uc5c8\ub294\uc9c0, \uadf8\ub9ac\uace0 \ud22c\uc790\uae08\uc744 \ubcf4\uc720\ud558\uace0 \uc788\ub294 \uae30\uad00\uc5d0 \ub530\ub77c \ub2e4\ub974\ub2e4. \uc8fc\ud0dd \uc218\ub2f9\uc5d0 \ub300\ud574 \uc5f0\ubc29 \uc18c\ub4dd\uc138\ub97c \ub0a9\ubd80\ud558\uc9c0 \uc54a\uae30 \ub54c\ubb38\uc5d0 \ud070 \ubcf4\ub108\uc2a4\uac00 \ub420 \uc218 \uc788\ub2e4. \ubb3c\ub860 \uc8fc\ud0dd \uc218\ub2f9 \uc218\ub839 \uc790\uaca9\uc5d0 \uad00\ud55c IRS \uaddc\uc815\uc744 \uc900\uc218\ud574\uc57c \ud55c\ub2e4.<\/p>\n\n\n\n

8. \uc0dd\uac01\ubcf4\ub2e4 \uc624\ub798 \uc0b4 \uc218 \uc788\ub3c4\ub85d \uc900\ube44\ud558\ub77c. \uc774\uc0c1\ud558\uac8c \ub4e4\ub9ac\uaca0\uc9c0\ub9cc \uc740\ud1f4 \uc790\uae08\uc774 \uc0b4\uc544\uc788\ub294 \ub3d9\uc548 \uc9c0\uc18d\ub418\uae30\ub97c \uc6d0\ud560 \uac83\uc774\ub2e4. \uc608\ub97c \ub4e4\uc5b4, 85\uc138\uae4c\uc9c0 \uc0b4 \uac83\uc774\ub77c\uace0 \uc608\uc0c1\ud558\ub294 \uac83\uc740 \ud604\uba85\ud558\uc9c0 \uc54a\uc744 \uc218 \uc788\ub2e4. \uc6b0\ub9ac \uc911 \ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc774 100\uc138 \uc774\uc0c1\uae4c\uc9c0 \uc0b4 \uac83\uc774\ub2e4. \uc740\ud1f4 \uc790\uae08\uc774 \ubc14\ub2e5\ub098\uc11c \uc9c0\ub09c 15\ub144 \ub3d9\uc548 \ubb34\uc77c\ud47c\uc774 \ub418\uace0 \uc2f6\uc9c0\ub294 \uc54a\uc9c0 \uc54a\uc740\uac00.<\/p>\n\n\n\n

9. \uc0ac\ud68c\ubcf4\uc7a5 \ud61c\ud0dd\uc5d0 \ub300\ud574 \ud604\uba85\ud55c \uacb0\uc815\uc744 \ub0b4\ub9ac\ub77c. \uc18c\uc15c \uc5f0\uae08\uc744 \ubc1b\uc744 \uc790\uaca9\uc774 \uc788\ub294 \uacbd\uc6b0 \uba87 \uc0b4\ubd80\ud130 \uc5f0\uae08\uc744 \ubc1b\uc544\uc57c \ud558\ub294\uc9c0 \ud63c\ub780\uc2a4\ub7ec\uc6b8 \uc218 \uc788\ub2e4. 62\uc138, 63\uc138, 64\uc138, 65\uc138, 66\uc138\ub294 \u201c\uc870\uae30\u201d \uc218\ub839 \uc5f0\ub839\uc73c\ub85c \uac04\uc8fc\ub41c\ub2e4. \uc774\uc81c 67\uc138\ub294 \u201c\uc644\uc804\u201d \uc740\ud1f4\ub85c \uac04\uc8fc\ub41c\ub2e4. \uadf8\ub7ec\ub098 68\uc138, 69\uc138, 70\uc138\uae4c\uc9c0\ub294 \uc5ec\uc804\ud788 \uc5f0\uae08 \uc218\ub839\uc744 \uc5f0\uae30\ud560 \uc218 \uc788\ub2e4. 70\uc138\uac00 \ub420 \ub54c\uae4c\uc9c0 \uc218\ub839\ud558\uc9c0 \uc54a\uc558\ub2e4\uba74 \ubc18\ub4dc\uc2dc \uc218\ub839\uc744 \uc2dc\uc791\ud574\uc57c \ud55c\ub2e4. \uba85\uce6d\uc740 \ubcf5\uc7a1\ud558\uc9c0\ub9cc \uc6d0\uce59\uc740 \uac04\ub2e8\ud558\ub2e4. 70\uc138\uae4c\uc9c0 \uae30\ub2e4\ub9b4 \ub54c\ub9c8\ub2e4 \uc5f0\uac04 \ud61c\ud0dd\uc740 \ub9e4\ub144 \uc99d\uac00\ud55c\ub2e4. \uc6d0\uce59\uc740 \uac04\ub2e8\ud558\uc9c0\ub9cc \uac01 \uc5f0\ub839\uc5d0 \ub530\ub978 \ud61c\ud0dd \uc218\ub839\uc758 \uadfc\uac70\ub294 \uac04\ub2e8\ud558\uc9c0 \uc54a\ub2e4. \uc804\ubb38\uac00\uc5d0\uac8c \uc7ac\uc815\uc801\uc778 \uc870\uc5b8\uc744 \uad6c\ud558\ub77c.<\/p>\n\n\n\n

10. \uc758\ub8cc\ube44\ub97c \ud604\uba85\ud558\uac8c \uacc4\ud68d\ud558\ub77c. \uc758\ub8cc\ube44\ub294 \uc740\ud1f4 \ud6c4 \uac00\uc7a5 \ud070 \uc9c0\ucd9c\uc774 \ub420 \uac00\ub2a5\uc131\uc774 \ub192\uae30 \ub54c\ubb38\uc5d0 \uc740\ud1f4 \ud6c4 \uac00\uc7a5 \uc911\uc694\ud558\uac8c \uace0\ub824\ud574\uc57c \ud560 \ubb38\uc81c \uc911 \ud558\ub098\uc774\ub2e4. \ud604\uc7ac \uc740\ud1f4\uc790\uc758 \uc18c\ub4dd \ub300\ube44 \uc758\ub8cc\ube44\ub294 \uc57d 15%\uc774\uc9c0\ub9cc \uc774\ubcf4\ub2e4 \ud6e8\uc52c \ub354 \ub192\uc744 \uc218 \uc788\ub2e4. \uba54\ub514\ucf00\uc5b4 \uc218\ud61c \uc790\uaca9\uc774 \ub418\ub294\uac00? \ub3c4\uc6c0\uc744 \uc904 \uc218 \uc788\ub294 \uc5d0\uc9c0\uc804\ud2b8\uac00 \uc788\uc73c\uba74 \uc88b\ub2e4.<\/p>\n\n\n\n

11. \uac70\uc8fc\uc9c0\ub97c \uacb0\uc815\ud558\ub77c. \ub9ce\uc740 \uc740\ud1f4\uc790\ub4e4\uc774 \uc778\uc0dd\uc758 \uc0c8\ub85c\uc6b4 \uad6d\uba74\uc744 \ub9de\uc774\ud558\uc5ec \uc774\uc0ac\ub97c \ud55c\ub2e4. \uaddc\ubaa8\ub97c \ucd95\uc18c\ud558\uace0 \uc2f6\uc744 \uc218\ub3c4 \uc788\ub2e4. \uc77c\ubd80\ub294 \uac00\uc871\uacfc \ub354 \uac00\uae4c\uc6b4 \uacf3\uc73c\ub85c \uc774\uc0ac\ud558\uace0 \uc2f6\uc5b4 \ud55c\ub2e4. \uc77c\ubd80\ub294 \ud3b8\uc758\uc2dc\uc124\uacfc \uc591\uc9c8\uc758 \uc758\ub8cc \uc11c\ube44\uc2a4\uac00 \uac00\uae4c\uc6b4 \uacf3\uc73c\ub85c \uc774\uc0ac\ud55c\ub2e4. \uc5b4\ub5a4 \uc740\ud1f4\uc790\ub4e4\uc740 \ud50c\ub85c\ub9ac\ub2e4\ub85c \uac00\uace0 \uc2f6\uc5b4 \ud558\uae30\ub3c4 \ud55c\ub2e4! \uc774\uc0ac\ub294 \uc7ac\uc815\uc801, \uc815\uc11c\uc801\uc73c\ub85c \uc911\uc694\ud55c \uacb0\uc815\uc774\ub2e4. \uadf8\ub7ec\ubbc0\ub85c \uc774\uc0ac\ub97c \uacb0\uc815\ud560 \ub54c\ub294 \uc2e0\uc911\ud558\uace0 \uacc4\ud68d\uc801\uc73c\ub85c \uacb0\uc815\ud558\ub77c.<\/p>\n\n\n\n

12. \uc0c8\ub85c\uc6b4 \uc2dc\ub300\ub97c \uc704\ud574 \ud604\uba85\ud558\uac8c \uc608\uc0b0\uc744 \uc138\uc6b0\ub77c. \uc740\ud1f4 \ud6c4\uc5d0\ub3c4 \uc608\uc0b0 \uc218\ub9bd\uc758 \uae30\ubcf8 \uc6d0\uce59\uc740 \ub3d9\uc77c\ud558\uc9c0\ub9cc, \uc218\uc785\uacfc \uc9c0\ucd9c\uc740 \ub2ec\ub77c\uc9c8 \uac83\uc774\ub2e4. \ud569\ub9ac\uc801\uc778 \uc218\uc785\uacfc \uc9c0\ucd9c \ucd94\uc815\uce58 \uc5c6\uc774 \uc740\ud1f4\ub97c \ub9de\uc774\ud574\uc11c\ub294 \uc548 \ub41c\ub2e4. \ud544\uc790\ub294 \uc9c0\ucd9c \ubc0f \ucd94\uc801 \ub3c4\uad6c\ub85c ‘\uc9c0\ucd9c \ucd94\uc801\uae30 \uc571’\uc744 \uc990\uaca8 \uc0ac\uc6a9\ud558\ub294\ub370, \ub9e4\uc6b0 \uc9c1\uad00\uc801\uc774\ub77c\uace0 \ud55c\ub2e4. 16,000\uac1c \uc774\uc0c1\uc758 \ub9ac\ubdf0\ub97c \ubc1b\uc558\ub294\ub370 \ub300\ubd80\ubd84 \ubcc4 \ub2e4\uc12f \uac1c\ub97c \ubc1b\uc558\ub2e4\uace0 \ud558\uba70, \uae30\ubcf8 \ubc84\uc804\uc740 \ubb34\ub8cc\uc774\ub77c\uace0 \ud55c\ub2e4. \ud504\ub85c \uc5c5\uadf8\ub808\uc774\ub4dc\ub97c \ucd94\ucc9c\ud558\ub294\ub370, \uc77c\ud68c\uc131 \ube44\uc6a9\uc73c\ub85c $2.99 \ub4e0\ub2e4\uace0 \ud55c\ub2e4.<\/p>\n\n\n\n

13. \uc608\uc0c1\uce58 \ubabb\ud55c \uc0c1\ud669\uc5d0 \ub300\ube44\ud558\ub77c. \uc740\ud1f4 \uc804\uacfc \ub9c8\ucc2c\uac00\uc9c0\ub85c \uc6b0\ub9ac \ubaa8\ub450\ub294 \uc608\uc0c1\uce58 \ubabb\ud55c \uc7ac\uc815\uc801 \ubb38\uc81c\ub97c \uacaa\uc744 \uc218 \uc788\ub2e4. \ube44\uc0c1\uae08\uc774 \ud544\uc694 \uc5c6\uc744 \uac70\ub77c\uace0 \uc0dd\uac01\ud574\uc11c\ub294 \uc548 \ub41c\ub2e4.<\/p>\n\n\n\n

14. \uacc4\uc18d\ud574\uc11c \uc544\ub08c\uc5c6\uc774 \uae30\ubd80\ud558\ub77c. \uc740\ud1f4\ub294 \uad00\ub300\ud55c \uc0b6\uc744 \ud3ec\uae30\ud560 \ub54c\uac00 \uc544\ub2c8\ub2e4. \uacc4\uc18d\ud574\uc11c \ud560 \uc218 \uc788\ub294 \ud55c \uae30\ubd80\ud558\ub77c. \uad50\ud68c\uc640 \ub2e4\ub978 \uc0ac\ub78c\ub4e4\uc5d0\uac8c \uae30\ubd80\ud558\ub294 \uac83\uc740 \ud070 \uae30\uc068\uc774\ub2e4.<\/p>\n\n\n\n

15. \uadf8\ub9ac\uc2a4\ub3c4\uc640 \ub354 \uae4a\uc740 \ub3d9\ud589\uc744 \ucd94\uad6c\ud558\ub77c. \uc2dc\uac04\uc774 \ub354 \ub9ce\uc544\uc9c8 \uc218\ub3c4 \uc788\ub2e4. \uc131\uacbd\uacfc \uae30\ub3c4\uc5d0 \ub354 \ub9ce\uc740 \uc2dc\uac04\uc744 \ubcf4\ub0b4\ub294 \uac83\uc740 \ub180\ub77c\uc6b4 \uc120\ubb3c\uc774\ub2e4. \ubcf5\uc74c\uc744 \ub354 \uc790\uc720\ub86d\uac8c \ub098\ub20c \uc218 \uc788\ub294 \ubc29\ubc95\uc744 \ubaa8\uc0c9\ud558\ub77c. \ud76c\ub9dd \uc774\ub2c8\uc154\ud2f0\ube0c\ub97c \ud1b5\ud574 \ub2e4\ub978 \uc774\ub4e4\uc5d0\uac8c \uadf8\ub9ac\uc2a4\ub3c4\ub97c \uc804\ud558\ub824\ub294 \uc5f4\uc815\uc744 \ub2e4\uc2dc \ubd88\ud0dc\uc6cc \ubcf4\ub77c.<\/p>\n\n\n\n

16. \ub9c8\uc9c0\ub9c9 \uc740\ud1f4\ub97c \uc900\ube44\ud558\ub77c. \uc740\ud1f4\ud558\uba74 \ucc9c\uad6d\uc5d0 \ud6e8\uc52c \ub354 \uac00\uae4c\uc6cc\uc9c4\ub2e4\ub294 \uac83\uc744 \uae68\ub2eb\uac8c \ub41c\ub2e4. \uc774 \uadc0\ud55c \uc2dc\uac04\uc744 \uadf8\ub9ac\uc2a4\ub3c4\uc640\uc758 \ub354 \uae4a\uc740 \ub3d9\ud589\uc744 \ucd94\uad6c\ud558\uace0 \uc9d1\uc744 \uc815\ub9ac\ud558\ub294 \ub370 \uc0ac\uc6a9\ud558\ub77c. \ud560 \ub9d0\uc774 \ub108\ubb34 \ub9ce\ub2e4. \ud55c \uac00\uc9c0 \uc694\uc810\ub9cc\uc73c\ub85c\ub294 \ucda9\ubd84\ud558\uc9c0 \uc54a\ub2e4. <\/p>\n\n\n\n

\uc740\ud1f4\ub294 \ub2e4\ub978 \uc758\ubbf8\ub85c \uc0c8\ub85c\uc6b4 \uae38\uc744 \uc81c\uc2dc\ud56d\ub2e4. \ud2b9\ud788 \ubaa9\ud68c\uc790\uc640 \uad50\ud68c \uc9c1\uc6d0\ub4e4\uc740 \uc778\uc0dd\uc758 \ub0a8\uc740 \uc2dc\uac04\uc744 \uc798 \ub9c8\ubb34\ub9ac\ud558\ub294 \uc120\ud55c \uccad\uc9c0\uae30\uc758 \uc0b6\uc744 \uc0b4\ub3c4\ub85d \ub178\ub825\ud574\uc57c \uaca0\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"

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