{"id":272,"date":"2024-08-28T22:29:28","date_gmt":"2024-08-28T13:29:28","guid":{"rendered":"https:\/\/excatch.com\/?p=272"},"modified":"2024-09-18T13:09:41","modified_gmt":"2024-09-18T04:09:41","slug":"its-never-too-late-to-start-preparing-for-retirement-in-your-20s","status":"publish","type":"post","link":"https:\/\/excatch.com\/its-never-too-late-to-start-preparing-for-retirement-in-your-20s\/","title":{"rendered":"20\ub300\ubd80\ud130 \uc2dc\uc791\ud558\ub294 \ub178\ud6c4 \uc900\ube44 \uc808\ub300 \ub2a6\uc9c0 \uc54a\uc740 \uc7ac\ud14c\ud06c \uc804\ub7b5"},"content":{"rendered":"<p>\ub178\ud6c4 \uc900\ube44\ub294 \uba40\uac8c\ub9cc \ub290\uaef4\uc9c8 \uc218 \uc788\uc9c0\ub9cc, \uc2e4\uc81c\ub85c\ub294 \uac00\ub2a5\ud55c \ud55c \uc77c\ucc0d \uc2dc\uc791\ud558\ub294 \uac83\uc774 \uac00\uc7a5 \ud604\uba85\ud55c \uc120\ud0dd\uc785\ub2c8\ub2e4. \ud2b9\ud788 20\ub300\ub294 \uc544\uc9c1 \uacbd\uc81c\uc801 \uc790\ub9bd\uc744 \uc774\ub8e8\ub294 \uc2dc\uae30\uc774\uae30 \ub54c\ubb38\uc5d0 \ub178\ud6c4\ub97c \ub300\ube44\ud558\uae30 \uc704\ud55c \uc7ac\ud14c\ud06c\ub97c \uc2dc\uc791\ud558\uae30\uc5d0 \uc644\ubcbd\ud55c \uc2dc\uae30\uc785\ub2c8\ub2e4. \uc774 \uae00\uc5d0\uc11c\ub294 20\ub300\ubd80\ud130 \uc2e4\ucc9c\ud560 \uc218 \uc788\ub294 \ub2e4\uc591\ud55c \ub178\ud6c4 \uc900\ube44 \uc804\ub7b5\uc744 \uc18c\uac1c\ud558\uace0\uc790 \ud569\ub2c8\ub2e4. \uc80a\uc744 \ub54c\ubd80\ud130 \ucc28\uadfc\ucc28\uadfc \uc900\ube44\ud55c\ub2e4\uba74, \ub178\ud6c4\uc758 \uc7ac\uc815\uc801 \uc548\uc815\uc131\uc744 \ucda9\ubd84\ud788 \ud655\ubcf4\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. 20\ub300 \ubd80\ud130 \uc2dc\uc791\ud574\ubcfc \uc218 \uc788\ub294 \ub178\ud6c4 \uc900\ube44 \uc7ac\ud14c\ud06c \uc804\ub7b5\uc5d0 \ub300\ud574 \uc54c\uc544\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-150 size-medium aligncenter\" src=\"http:\/\/excatch.com\/wp-content\/uploads\/2024\/05\/13-300x226.jpg\" alt=\"\ubc14\uad6c\ub124 3\uac1c\uc5d0 \ub3c8\uc774 \ub2f4\uaca8\uc838 \uc788\ub294 \uc0ac\uc9c4\" width=\"300\" height=\"226\" srcset=\"https:\/\/excatch.com\/wp-content\/uploads\/2024\/05\/13-300x226.jpg 300w, https:\/\/excatch.com\/wp-content\/uploads\/2024\/05\/13.jpg 640w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<p>&nbsp;<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_69_1 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 \" >Table of Contents<\/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=\"Toggle Table of Content\"><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 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/excatch.com\/its-never-too-late-to-start-preparing-for-retirement-in-your-20s\/#%EB%B3%B5%EB%A6%AC_%ED%9A%A8%EA%B3%BC%EB%A5%BC_%ED%99%9C%EC%9A%A9%ED%95%9C_%EC%9E%A5%EA%B8%B0_%ED%88%AC%EC%9E%90\" title=\"\ubcf5\ub9ac \ud6a8\uacfc\ub97c \ud65c\uc6a9\ud55c \uc7a5\uae30 \ud22c\uc790\">\ubcf5\ub9ac \ud6a8\uacfc\ub97c \ud65c\uc6a9\ud55c \uc7a5\uae30 \ud22c\uc790<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/excatch.com\/its-never-too-late-to-start-preparing-for-retirement-in-your-20s\/#%EA%B0%9C%EC%9D%B8_%EC%97%B0%EA%B8%88_%EA%B3%84%EC%A2%8CIRA_%EA%B0%9C%EC%84%A4%EA%B3%BC_%EC%A0%80%EC%B6%95_%EC%8A%B5%EA%B4%80\" title=\"\uac1c\uc778 \uc5f0\uae08 \uacc4\uc88c(IRA) \uac1c\uc124\uacfc \uc800\ucd95 \uc2b5\uad00\">\uac1c\uc778 \uc5f0\uae08 \uacc4\uc88c(IRA) \uac1c\uc124\uacfc \uc800\ucd95 \uc2b5\uad00<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/excatch.com\/its-never-too-late-to-start-preparing-for-retirement-in-your-20s\/#%EC%9E%AC%EB%AC%B4_%EB%AA%A9%ED%91%9C_%EB%B0%8F_%EA%B3%84%ED%9A%8D%EA%B3%BC_%EC%9E%90%EC%82%B0%EB%B0%B0%EB%B6%84_%EB%A6%AC%EC%8A%A4%ED%81%AC_%EA%B4%80%EB%A6%AC\" title=\"\uc7ac\ubb34 \ubaa9\ud45c \ubc0f \uacc4\ud68d\uacfc \uc790\uc0b0\ubc30\ubd84 \ub9ac\uc2a4\ud06c \uad00\ub9ac\">\uc7ac\ubb34 \ubaa9\ud45c \ubc0f \uacc4\ud68d\uacfc \uc790\uc0b0\ubc30\ubd84 \ub9ac\uc2a4\ud06c \uad00\ub9ac<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/excatch.com\/its-never-too-late-to-start-preparing-for-retirement-in-your-20s\/#%EA%B2%B0%EB%A1%A0\" title=\"\uacb0\ub860\">\uacb0\ub860<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%EB%B3%B5%EB%A6%AC_%ED%9A%A8%EA%B3%BC%EB%A5%BC_%ED%99%9C%EC%9A%A9%ED%95%9C_%EC%9E%A5%EA%B8%B0_%ED%88%AC%EC%9E%90\"><\/span>\ubcf5\ub9ac \ud6a8\uacfc\ub97c \ud65c\uc6a9\ud55c \uc7a5\uae30 \ud22c\uc790<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>20\ub300\uc758 \uac00\uc7a5 \ud070 \uc7a5\uc810\uc740 \uc2dc\uac04\uc774 \ub9ce\ub2e4\ub294 \uac83\uc785\ub2c8\ub2e4. \uc2dc\uac04\uc774 \ub9ce\ub2e4\ub294 \uac83\uc740 \ubcf5\ub9ac \ud6a8\uacfc\ub97c \ucd5c\ub300\ud55c \ub204\ub9b4 \uc218 \uc788\ub2e4\ub294 \uc758\ubbf8\uc785\ub2c8\ub2e4. \ubcf5\ub9ac\ub294 \uc2dc\uac04\uc774 \uc9c0\ub0a0\uc218\ub85d \ud070 \uc218\uc775\uc744 \ub9cc\ub4e4\uc5b4\ub0b4\ubbc0\ub85c, \uc7a5\uae30\uc801\uc778 \uad00\uc810\uc5d0\uc11c \ud22c\uc790\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc8fc\uc2dd, ETF, \ud380\ub4dc \ub4f1 \ub2e4\uc591\ud55c \uae08\uc735 \uc0c1\ud488\uc5d0 \uc18c\uc561\uc774\ub77c\ub3c4 \uafb8\uc900\ud788 \ud22c\uc790\ud558\uc5ec \uc7a5\uae30\uc801\uc778 \uc790\uc0b0 \uc99d\uc2dd\uc744 \ub3c4\ubaa8\ud558\uc138\uc694. \ucc98\uc74c\uc5d0\ub294 \uc791\uc740 \uae08\uc561\uc73c\ub85c \uc2dc\uc791\ud560 \uc218 \uc788\uc9c0\ub9cc, \uc2dc\uac04\uc774 \uc9c0\ub0a8\uc5d0 \ub530\ub77c \ud070 \uc218\uc775\uc73c\ub85c \ub3cc\uc544\uc62c \uac83\uc785\ub2c8\ub2e4.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%EA%B0%9C%EC%9D%B8_%EC%97%B0%EA%B8%88_%EA%B3%84%EC%A2%8CIRA_%EA%B0%9C%EC%84%A4%EA%B3%BC_%EC%A0%80%EC%B6%95_%EC%8A%B5%EA%B4%80\"><\/span>\uac1c\uc778 \uc5f0\uae08 \uacc4\uc88c(IRA) \uac1c\uc124\uacfc \uc800\ucd95 \uc2b5\uad00<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\uc815\ubd80\ub098 \ud68c\uc0ac\uc5d0\uc11c \uc81c\uacf5\ud558\ub294 \uad6d\ubbfc\uc5f0\uae08 \uc678\uc5d0\ub3c4, \uac1c\uc778\uc801\uc73c\ub85c \uc5f0\uae08\uc744 \uc900\ube44\ud558\ub294 \uac83\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. 20\ub300\ubd80\ud130 \uac1c\uc778 \uc5f0\uae08 \uacc4\uc88c(IRA)\ub97c \uac1c\uc124\ud574 \ub178\ud6c4 \uc790\uae08\uc744 \ub9c8\ub828\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uac1c\uc778 \uc5f0\uae08 \uacc4\uc88c\ub294 \uc138\uae08 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\uba70, \uc7a5\uae30\uc801\uc73c\ub85c \ub178\ud6c4 \uc790\uc0b0\uc744 \uc313\ub294 \ub370 \uc720\ub9ac\ud569\ub2c8\ub2e4. \uc815\uae30\uc801\uc73c\ub85c \uc77c\uc815 \uae08\uc561\uc744 \ub0a9\uc785\ud558\uba74, \uc740\ud1f4 \ud6c4 \uc548\uc815\uc801\uc778 \uc218\uc785\uc6d0\uc744 \ud655\ubcf4\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\uc0dd\ud65c\ube44 \uc808\uc57d\uacfc \uc800\ucd95 \uc2b5\uad00 \uae30\ub974\uae30\uc785\ub2c8\ub2e4.20\ub300\ub294 \uc544\uc9c1 \ud070 \uc9c0\ucd9c\uc774 \ub9ce\uc9c0 \uc54a\uc740 \uc2dc\uae30\uc774\uae30 \ub54c\ubb38\uc5d0, \uc0dd\ud65c\ube44\ub97c \uc808\uc57d\ud558\uace0 \uc800\ucd95\ud558\ub294 \uc2b5\uad00\uc744 \ub4e4\uc774\uae30 \uc88b\uc2b5\ub2c8\ub2e4. \uc6d4\uae09\uc758 \uc77c\uc815 \ube44\uc728\uc744 \uc800\ucd95\ud558\uace0, \ud544\uc694 \uc774\uc0c1\uc758 \uc9c0\ucd9c\uc744 \ud53c\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \ub9e4\ub2ec \uc77c\uc815 \uae08\uc561\uc744 \uc800\ucd95\ud558\uac70\ub098, \ubaa9\ud45c \uae08\uc561\uc744 \uc124\uc815\ud574 \uc800\ucd95\ud558\ub294 \ubc29\ubc95\ub3c4 \uc88b\uc2b5\ub2c8\ub2e4. \uc774\ub807\uac8c \ubaa8\uc740 \uc790\uae08\uc740 \ud5a5\ud6c4 \ud22c\uc790 \uc790\uae08\uc73c\ub85c \ud65c\uc6a9\ud560 \uc218 \uc788\uc73c\uba70, \uae34\uae09 \uc0c1\ud669\uc5d0 \ub300\ube44\ud55c \ube44\uc0c1\uae08\uc73c\ub85c\ub3c4 \uc720\uc6a9\ud558\uac8c \uc0ac\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%EC%9E%AC%EB%AC%B4_%EB%AA%A9%ED%91%9C_%EB%B0%8F_%EA%B3%84%ED%9A%8D%EA%B3%BC_%EC%9E%90%EC%82%B0%EB%B0%B0%EB%B6%84_%EB%A6%AC%EC%8A%A4%ED%81%AC_%EA%B4%80%EB%A6%AC\"><\/span>\uc7ac\ubb34 \ubaa9\ud45c \ubc0f \uacc4\ud68d\uacfc \uc790\uc0b0\ubc30\ubd84 \ub9ac\uc2a4\ud06c \uad00\ub9ac<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\ub178\ud6c4 \uc900\ube44\ub97c \uc704\ud574\uc11c\ub294 \uba85\ud655\ud55c \uc7ac\ubb34 \ubaa9\ud45c\ub97c \uc124\uc815\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, 60\uc138\uae4c\uc9c0 \uc5bc\ub9c8\uc758 \uc790\uae08\uc744 \ubaa8\uc744 \uac83\uc778\uc9c0, \uc740\ud1f4 \ud6c4 \uc5b4\ub5a4 \uc0dd\ud65c\uc744 \ud560 \uac83\uc778\uc9c0 \uad6c\uccb4\uc801\uc73c\ub85c \uacc4\ud68d\ud574\ubcf4\uc138\uc694. \uc774\ub7ec\ud55c \ubaa9\ud45c\ub97c \ubc14\ud0d5\uc73c\ub85c \ub9e4\ub2ec \uc5bc\ub9c8\ub97c \uc800\ucd95\ud558\uace0, \uc5bc\ub9c8\ub97c \ud22c\uc790\ud560\uc9c0 \uacc4\ud68d\uc744 \uc138\uc6b0\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \ubaa9\ud45c\uac00 \uba85\ud655\ud558\uba74, \uc790\uc0b0\uc744 \uafb8\uc900\ud788 \ubaa8\uc73c\ub294 \ub3d9\uae30 \ubd80\uc5ec\uac00 \ub429\ub2c8\ub2e4.\uae08\uc735 \uc9c0\uc2dd \ud568\uc591\uacfc \uc7ac\ud14c\ud06c \uacf5\ubd80\ub97c \ud574\uc57c\ud569\ub2c8\ub2e4.\uc7ac\ud14c\ud06c\ub294 \ub2e8\uc21c\ud788 \ub3c8\uc744 \ubaa8\uc73c\ub294 \uac83\uc774 \uc544\ub2c8\ub77c, \ub3c8\uc744 \uc5b4\ub5bb\uac8c \ubd88\ub9b4\uc9c0\uc5d0 \ub300\ud55c \uc804\ub7b5\uc744 \uc138\uc6b0\ub294 \uac83\uc785\ub2c8\ub2e4. 20\ub300\uc5d0\ub294 \ub2e4\uc591\ud55c \uc7ac\ud14c\ud06c \uc11c\uc801\uc744 \uc77d\uac70\ub098, \uc628\ub77c\uc778 \uac15\uc88c\ub97c \ud1b5\ud574 \uae08\uc735 \uc9c0\uc2dd\uc744 \ud568\uc591\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \uc8fc\uc2dd, \ucc44\uad8c, \ubd80\ub3d9\uc0b0 \ub4f1 \uc5ec\ub7ec \uae08\uc735 \uc0c1\ud488\uc5d0 \ub300\ud55c \uc774\ud574\ub97c \ub192\uc774\uace0, \uc790\uc2e0\uc5d0\uac8c \ub9de\ub294 \ud22c\uc790 \ubc29\ubc95\uc744 \ucc3e\uc544\ubcf4\uc138\uc694. \uc7ac\ud14c\ud06c \uacf5\ubd80\ub294 \ud5a5\ud6c4 \uc7ac\uc815\uc801 \uacb0\uc815\uc744 \ub0b4\ub9ac\ub294 \ub370 \ud070 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.\uc790\uc0b0 \ubc30\ubd84\uc744 \ud1b5\ud55c \ub9ac\uc2a4\ud06c \uad00\ub9ac\ub294\ub178\ud6c4 \uc900\ube44\ub97c \uc704\ud55c \uc7ac\ud14c\ud06c\ub294 \uc7a5\uae30\uc801\uc778 \uad00\uc810\uc5d0\uc11c \uc9c4\ud589\ub418\ubbc0\ub85c, \ub9ac\uc2a4\ud06c \uad00\ub9ac\uac00 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \uc790\uc0b0\uc744 \uc5ec\ub7ec \uae08\uc735 \uc0c1\ud488\uc5d0 \ubd84\uc0b0 \ud22c\uc790\ud558\uc5ec \ub9ac\uc2a4\ud06c\ub97c \ucd5c\uc18c\ud654\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc8fc\uc2dd\uacfc \ucc44\uad8c, \ubd80\ub3d9\uc0b0 \ub4f1\uc5d0 \uc790\uc0b0\uc744 \ubd84\ubc30\ud558\uba74 \ud55c\ucabd\uc758 \uc190\uc2e4\uc774 \ub2e4\ub978 \ucabd\uc758 \uc218\uc775\uc73c\ub85c \ubcf4\uc644\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc790\uc0b0 \ubc30\ubd84 \uc804\ub7b5\uc740 \uc7a5\uae30\uc801\uc778 \uc7ac\uc815 \uc548\uc815\uc131\uc744 \ud655\ubcf4\ud558\ub294 \ub370 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%EA%B2%B0%EB%A1%A0\"><\/span>\uacb0\ub860<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>20\ub300\ubd80\ud130 \uc2dc\uc791\ud558\ub294 \ub178\ud6c4 \uc900\ube44\ub294 \uacb0\ucf54 \uc774\ub978 \uac83\uc774 \uc544\ub2d9\ub2c8\ub2e4. \uc624\ud788\ub824 \uc774 \uc2dc\uae30\uc5d0 \uc7ac\ud14c\ud06c\ub97c \uc2dc\uc791\ud558\ub294 \uac83\uc774 \uc7a5\uae30\uc801\uc778 \uc7ac\uc815\uc801 \uc131\uacf5\uc758 \uc5f4\uc1e0\uc785\ub2c8\ub2e4. \ubcf5\ub9ac \ud6a8\uacfc\ub97c \ud65c\uc6a9\ud55c \uc7a5\uae30 \ud22c\uc790, \uac1c\uc778 \uc5f0\uae08 \uacc4\uc88c \uac1c\uc124, \uc0dd\ud65c\ube44 \uc808\uc57d, \uae08\uc735 \uc9c0\uc2dd \ud568\uc591 \ub4f1 \ub2e4\uc591\ud55c \uc804\ub7b5\uc744 \ud1b5\ud574 \ub178\ud6c4\ub97c \ub300\ube44\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc9c0\uae08\ubd80\ud130 \ucc28\uadfc\ucc28\uadfc \uc900\ube44\ud574 \ub098\uac00\uba74, \uc740\ud1f4 \ud6c4\uc5d0\ub3c4 \uacbd\uc81c\uc801 \uc790\uc720\ub97c \ub204\ub9b4 \uc218 \uc788\uc744 \uac83\uc785\ub2c8\ub2e4. \ub178\ud6c4 \uc900\ube44\ub294 \uc2dc\uac04\uc774 \uc9c0\ub0a0\uc218\ub85d \uadf8 \uac00\uce58\ub97c \ub354\ud558\ubbc0\ub85c, \uc9c0\uae08 \ubc14\ub85c \uc2dc\uc791\ud574\ubcf4\uc138\uc694.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ub178\ud6c4 \uc900\ube44\ub294 \uba40\uac8c\ub9cc \ub290\uaef4\uc9c8 \uc218 \uc788\uc9c0\ub9cc, \uc2e4\uc81c\ub85c\ub294 \uac00\ub2a5\ud55c \ud55c \uc77c\ucc0d \uc2dc\uc791\ud558\ub294 \uac83\uc774 \uac00\uc7a5 \ud604\uba85\ud55c \uc120\ud0dd\uc785\ub2c8\ub2e4. \ud2b9\ud788 20\ub300\ub294 \uc544\uc9c1 \uacbd\uc81c\uc801 \uc790\ub9bd\uc744 \uc774\ub8e8\ub294 \uc2dc\uae30\uc774\uae30 \ub54c\ubb38\uc5d0 \ub178\ud6c4\ub97c \ub300\ube44\ud558\uae30 \uc704\ud55c \uc7ac\ud14c\ud06c\ub97c \uc2dc\uc791\ud558\uae30\uc5d0 \uc644\ubcbd\ud55c \uc2dc\uae30\uc785\ub2c8\ub2e4. \uc774 \uae00\uc5d0\uc11c\ub294 20\ub300\ubd80\ud130 \uc2e4\ucc9c\ud560 \uc218 \uc788\ub294 \ub2e4\uc591\ud55c \ub178\ud6c4 \uc900\ube44 \uc804\ub7b5\uc744 \uc18c\uac1c\ud558\uace0\uc790 \ud569\ub2c8\ub2e4. \uc80a\uc744 \ub54c\ubd80\ud130 \ucc28\uadfc\ucc28\uadfc \uc900\ube44\ud55c\ub2e4\uba74, \ub178\ud6c4\uc758 \uc7ac\uc815\uc801 \uc548\uc815\uc131\uc744 \ucda9\ubd84\ud788 \ud655\ubcf4\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. 20\ub300 \ubd80\ud130 &#8230; <a title=\"20\ub300\ubd80\ud130 \uc2dc\uc791\ud558\ub294 \ub178\ud6c4 \uc900\ube44 \uc808\ub300 \ub2a6\uc9c0 \uc54a\uc740 \uc7ac\ud14c\ud06c \uc804\ub7b5\" class=\"read-more\" href=\"https:\/\/excatch.com\/its-never-too-late-to-start-preparing-for-retirement-in-your-20s\/\" aria-label=\"Read more about 20\ub300\ubd80\ud130 \uc2dc\uc791\ud558\ub294 \ub178\ud6c4 \uc900\ube44 \uc808\ub300 \ub2a6\uc9c0 \uc54a\uc740 \uc7ac\ud14c\ud06c \uc804\ub7b5\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[7],"tags":[158,159,80,118],"_links":{"self":[{"href":"https:\/\/excatch.com\/wp-json\/wp\/v2\/posts\/272"}],"collection":[{"href":"https:\/\/excatch.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/excatch.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/excatch.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/excatch.com\/wp-json\/wp\/v2\/comments?post=272"}],"version-history":[{"count":4,"href":"https:\/\/excatch.com\/wp-json\/wp\/v2\/posts\/272\/revisions"}],"predecessor-version":[{"id":366,"href":"https:\/\/excatch.com\/wp-json\/wp\/v2\/posts\/272\/revisions\/366"}],"wp:attachment":[{"href":"https:\/\/excatch.com\/wp-json\/wp\/v2\/media?parent=272"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/excatch.com\/wp-json\/wp\/v2\/categories?post=272"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/excatch.com\/wp-json\/wp\/v2\/tags?post=272"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}