Prologue: A salaryman earning 1.28 million won a month builds assets worth 4.4 billion won through small real estate investments!

Chapter 1.
You should start accumulating assets from a young age.

The reason I became interested in small real estate investment in my 20s
The Real Reason Ordinary Office Workers Need to Save Money
How to Turn Small Changes into Startup Money and Turn Startup Money into Assets
Create 50 million won in seed money through saving and saving over 5 years.
I don't order deliveries or ride the KTX to save up seed money.
A spirit I learned from my grandmother who went out to work in the fields even though it was pouring rain on her birthday.
The rich brag about how cheap they got something, not how expensive it was.

Chapter 2.
The first step to small-scale real estate investing that even beginners can start right away.

Why I Chose Real Estate Over Stocks - Real Estate Investments Are Possible for Office Workers
If you're new to investing, start with a small property.
Use gap investing, but be prepared for a reversal.
I definitely need a home, even if it's small.
Investing, like exercise, requires consistency.
When Should I Buy Real Estate? - The Best Time to Buy a Home
More important than studying investment is hands-on experience.
Even micro-apartments are on the rise! Real estate investments are possible with small amounts of money.
Subscription vs. Actual Residence vs. Gap Investment: Choose the Method That's Right for You
Expand your portfolio with income-generating investments that provide steady monthly rent payments.
Achieving Infinite Returns: The Allure of Real Estate Investment
The Difference in Economic Perception between Those Who Have Owned a Home and Those Who Have Not

Chapter 3.
Becoming a FIRE Tribe in Your 40s Through Small Real Estate Investments

My first 13-pyeong apartment: a micro-investment that grew like compound interest.
It's okay if it's not perfect, buy a small house quickly
From an ordinary salaried worker to a landlord who collects rent
If you aim for immediate price differences, you are likely to fail.
Why You Don't Need a Forest in Real Estate Investing
Prepare for an investigation into the source of funds for real estate investments.
Stable rental income and rising market prices through micro-housing gap investment.
Achieve a 17% annual return with two one-room urban homes.
The story of repurchasing a house that was sold 8 months later
Investment in Gwangmyeong, a place I had never been to and didn't even know was a new town.
The best investment of my life was a new apartment in the countryside that I bought on a whim.

Chapter 4.
Retire with Real Estate Rental Income! The Small Real Estate Investment That Changed My Life

How much would an office worker earning a monthly salary of 1.28 million won have earned through real estate investment?
The Key to Real Estate Investment: Taxes. Disclosure of Taxes Paid by Homeowners
The misconception that rental income is unearned income, the mindset of those running a rental business
How much should I earn from real estate? Determine the size of my desired asset.
The end of my 22-year career: What if I hadn't invested in real estate?

Chapter 5.
An investment mindset that remains unshaken by changing real estate policies.

Don't compare, don't be greedy, and set your own investment criteria.
Real estate investments made for show are prone to failure.
If you stick to your own investment criteria, you won't fail.
Invest in what's right for you, not trends. Don't be swayed by real estate policy changes.
You also need to know how to wait for your investments to bear fruit.
22 years of real estate investment, meticulously written in 11 diaries
Overcoming the fear of failure is essential to building a large fortune.
The Butterfly Effect of Positive Thinking and Investment
There has never been an era when it was easy to buy a house.

Chapter 6.
I buy a small house instead of shopping.

Investing in small properties instead of shopping: Lighten your load, but keep your mind strong.
Save money for sustainable investing

Appendix: Daily Budget Habits for Life-Changing Real Estate Investments
Epilogue: If I Can Do It, You Can Do It

Even salaried workers should start investing in real estate! "Gold Bear Small-Scale Real Estate Investment" offers a hassle-free way to start.

If real estate investment is still someone else's story, pay attention to the story of Goldgom, a 'small real estate investment expert.'
For those who find real estate investment difficult and daunting, this book, 'Gold Bear's Small Real Estate Investment Secrets', reveals the actual investment process over 22 years and the process of starting with a seed money of 50 million won and achieving assets of 4.4 billion won. It contains all of Gold Bear's real estate investment know-how, from preparing for small real estate investment to the entire process of executing the investment, secrets to asset expansion, and even rental management tips.

Gold Bear explains the process of 'salary' becoming an 'asset' in three steps: 'pocket money = 〉seed money = 〉asset.'
Even if you save a small salary, it becomes 'seed money', and you can steadily invest the seed money in 'small real estate' to grow it into an 'asset'.
The author emphasizes that saving small amounts of money is not just small amounts, and that if you don't save small amounts, you will never be able to build assets.
Rather than the amount of your salary, how you spend and save it, that is, 'expenditure management', is the basis of investment.
Also, real estate investment is best done as early as possible, starting in your 20s when you start your career, but it is also possible in your 30s and 40s.
It's not too late.
Experience the joy and fulfillment of turning your precious salary into an asset with Gold Bear before it's too late.

Small homes are okay! Owning your own home is the first step to wealth.

Goldbear's suggested 'small real estate investment stages' are as follows.
The stages are 'Preparing for Real Estate Investment' (Chapter 1) to manage spending habits to save seed money with your salary, 'Small Real Estate Investment for Real Estate Beginners (Burin-i)' (Chapters 2-3) to start investing in small real estate with seed money, and 'Real Estate Asset Management' (Chapters 4-5) to start accumulating assets in earnest.

Here, the author emphasizes that 'owning a home' is a 'stepping stone' for real estate investment and the 'first step to wealth.'
It's okay if the house isn't big or nice.
Even if it's small, having a house in your name gives you psychological stability and helps you develop a proper sense of finances.
Goldbear's first home, purchased at age 31, served as a springboard for future investments rather than a source of capital gains, and he still owns it today.

Many people who started out by only aiming for price differences ended up in debt, lost interest in real estate after investing following others and suffered losses, and even never started investing in real estate because they were afraid of it.
The author, observing these people around him, said that it is difficult to make a lot of money all at once unless you are an investment expert, and that since office workers have to balance work and investment, he thought about his desired goals and the most efficient method to implement them.
By following the practical know-how Gold Bear reveals in this book, you can begin investing in real estate safely and reap significant benefits while reducing trial and error.

How to choose a good property without a rental fee, starting from a small real estate near you!

When investing in real estate, it's best to start in a neighborhood you know well.
If you frequently visit a neighborhood, you can naturally identify pros and cons that outsiders may not easily know about, and you can use your 'eagle eye' to find properties with potential, even if there is little investment demand.
Gold Bear also started his first investment in an area he knew well, and after acquiring the "investment feel," he made additional purchases without a brokerage and made large profits.

Of course, at first, I was interested in a small apartment complex in Dobong-gu, Seoul, because I wanted to buy an apartment like everyone else.
However, after regrettably missing out on an investment opportunity, I decided that I needed to start investing in real estate sooner rather than later, and started looking around the Dangsan-dong area where I was living at the time.
Although it was not an apartment, but an urban residential house with low investment demand, I decided to purchase my first small property because I could purchase it without taking out a loan, it was a good site that had been held by a public corporation for a long time, it was located near a double subway station, there was a growing trend of one- to two-person households, and above all, there was ample parking space, so I judged that there was growth potential.

Afterwards, he purchased additional urban residential housing in nearby areas and sold the micro-apartment in Jamsil-dong, Seoul, which he invested in without making a large profit. However, based on this experience, he further solidified his investment philosophy and introduced the process of signing a contract for a small apartment in Songpa-gu, Seoul and Gwangmyeong-si, Gyeonggi-do without a tenant and making a large profit.


Everyone wants to own a property with high investment value.
But realistically, you can't start investing in real estate to make that investment money.
Moreover, office workers do not have enough time to go to the forest.
Gold Bear details the insight that allows him to select good real estate without having to worry about the cost of ownership, and a feasible investment method that doesn't involve excessive debt.

Retire as a Salaried Worker in Your 40s with Small Real Estate Investments!

Over the past 17 years, Gold Bear has purchased 10 homes, sold 3, and currently holds 7 for a long period of time. He has continued to invest based on his own investment beliefs, making decisions based on his own thoughts and beliefs, without being swayed by trends, advice from others, or real estate policies.
However, he says his only regret is not starting real estate investment in his 20s.
It would have been difficult to save only my salary, but I was able to live more quickly and freely from money and time through small real estate investments.
This is why I encourage anyone interested in real estate investing.

In this book, the author emphasizes, “If I did it, anyone can do it.”
There are many people who have made more money through real estate investment, but the reason Gold Bear's story resonates so much is because it is the result of 22 years of consistent practice by an ordinary office worker at a small to medium-sized company.
He says he wouldn't have been this interested in real estate if he hadn't been an employee of a large corporation or a civil servant.
Because I worked at a small to medium-sized company, I was more concerned about financial planning and retirement preparation.
My grandparents, who passed on to me frugality and honesty, also had a great influence.
We also reveal the minimalist lifestyle and expense management methods that allowed us to achieve early retirement by reducing our monthly expenses through maintaining a frugal and simple lifestyle.

These days, it's difficult to buy a house even if you save your entire salary.
If you give up on investing in negative news and spend your hard-earned salary in the name of small but certain happiness, it will be difficult to invest, let alone save.
Gold Bear says that there has never been an era, not even during the Joseon Dynasty, when it was easy to own a home.
However, a viable investment is small real estate, and I recommend gradually expanding your investment based on a small home.
The desire to succeed at once is a shortcut to ruining your investment.
If you're a working professional, a stay-at-home mom, or a real estate novice, take your first steps into the world of investing with Goldgom's small-scale real estate investment strategy.
You can create a steady cash flow and live the life you want without having to go to work every day.