prolog

Part 1.
Where is your money going?

Chapter 1.
Why Don't I Save My Salary? It's Decreasing Without Me Knowing
1.1 The flow of money that disappears as soon as it comes in
1.2 Reasons for having income but no assets
1.3 Are deposits really safe?

Chapter 2.
Am I just contributing to capital? ─ The structural differences between consumers and capital.
2.1 Why are consumers always at a disadvantage?
2.2 Consumption is a vote for capital.
2.3 If the National Pension Fund can invest, why can't I?

Chapter 3.
Where is money created and to whom does it flow? ─ The power to read the flow of capital.
3.1 Modern capitalism is determined by the middle market.
3.2 I am an investor even though I am not a direct investor.
3.3 He who understands the flow of money controls the future.
3.4 From Consumption to Assets - Structural Theories Governing Flows (Advanced Learning)

Part 2.
Who Are You? Find the Right Investment Strategy for You

Chapter 1.
Is it possible with just 1 million won? - The first step for small investors.
1.1 There's no rule that says you shouldn't invest just because you don't have enough money.
1.2 In your first investment, it's more important to "not lose."
1.3 A piece of US stock for the price of a cup of coffee

Chapter 2.
5 to 30 million won: This is when strategy becomes necessary.
2.1 Now We Need Structure - The Foundation of Asset Diversification
2.2 Where should dividend ETFs, installment funds, and REITs fit? ─ Cash flow-focused design
2.3 The Golden Time for ISAs and Pension Savings - Understanding the Entry Point of Tax-Saving Structure
2.4 The Crossroads of Asset Growth and Tax Savings - The Power of Dividing Flows (In-Depth Learning)

Chapter 3.
Over 50 million won: The era of risk management rather than investment
3.1 The more money you have, the more important it becomes to have a sense of "protection."
3.2 A Combination of Covered Calls, Bonds, and Robo-Advisors – A Conservative Asset Management Strategy
3.3 Structures that High Net Worth Individuals Understand First - Taxes, Structure, Unlisted Companies, and PEFs

Part 3.
Why I Invest: A Guide to Purpose-Based Strategies

Chapter 1.
If you need money coming in every month - Everything you need to know about dividend strategies
1.1 Dividends are not about 'yield' but about 'lifestyle'.
1.2 High-dividend stocks, monthly dividend ETFs, and REITs… What’s the difference?
1.3 The Real Structure of a Covered Call Strategy - Explaining the Monthly Payment Structure

Chapter 2.
If you want to grow your money - Growth Investment Strategy
2.1 Index investing is ultimately about "buying the market."
2.2 S&P 500, Nasdaq 100, Tech ETFs - Representative Growth Engines
2.3 Practical Establishment of Accumulated Investments, Thematic ETFs, and Global Diversification Strategies

Chapter 3.
Tax-Winning Investing - Designing Tax-Saving Strategies
3.1 Taxes eat away at profits - Tax savings come before 'earning'
3.2 Structure and pros and cons of ISAs, pension savings, and TDFs
3.3 Tax-saving portfolio composition strategy using ETFs
3.4 Strategic Thinking that Integrates Dividends, Growth, and Tax Savings (In-Depth Learning)

Part 4.
Hot Products Now - The World of Practical Strategies for ETFs and Various Investment Products

Chapter 1. Why ETFs Are So Hot - Understanding Their Structure Is Key to Choosing
1.1 What are ETFs and Why Are They So Popular?
1.2 Index, Active, and Thematic ETFs—What's the Difference?
1.3 Things to check: ETF fees, tracking errors, dividends, etc.

Chapter 2.
A Strategy You Can Understand Just by Looking at the Product Name - Learn How to Read
2.1 What do 'TIGER US S&P 500' and 'KODEX 200TR' mean?
2.2 Monthly Dividends, Covered Calls, TDFs, REITs… Interpreting Product Names in Practice
2.3 The Reality and Precautions of Thematic ETFs (AI, Robotics, ESG, etc.)

Chapter 3.
Funds, ETFs, and REITs—How to Combine Them?
3.1 Funds vs. ETFs - Who uses them, when, and for what?
3.2 ETF + Pension Savings + REITs… A Combination Strategy Based on Purpose
3.3 From small diversified portfolios to mid- to long-term strategies

Part 5.
From Consumption to Investment: Discovering Money Opportunities in Everyday Life

Chapter 1.
Your money is sleeping where you spend it every month.
1.1 When I buy Starbucks, someone gets a dividend.
1.2 Naver, Kakao, Baedal Minjok - Companies I Support
1.3 'Brand Stock' and Consumption-Linked Investment Strategies

Chapter 2.
From a life of paying monthly rent to a life of receiving monthly dividends
2.1 What is a REIT and how does it pay monthly dividends?
2.2 Comparison of monthly rent expenditure structure and dividend income structure
2.3 How to Create a Realistic Monthly Dividend Portfolio

Chapter 3.
5 Strategies for Turning Consumption into Assets - Creating Your Own Portfolio
3.1 How to Turn Recurring Expenses—Communication, Streaming, Education—Into Investments
3.2 'Invest in the field you write about' - Consumption-based portfolio design
3.3 Training to create an investment portfolio based on your spending history
3.4 A Three-Step Model for Converting Consumption into Assets (Advanced Learning)

Part 6.
Questions Before Investing: Money, Me, and Society

Chapter 1.
Why I Want to Be Rich: Facing the Roots of Desire
1.1 Feelings of Comparison and Recognition of Inadequacy
1.2 The Real Meaning of "I Want to Be Rich"
1.3 The desire to be compensated with money
1.4 The Structure of Desire: The Triangular Frame of Possession, Comparison, and Reward (Advanced Learning)

Chapter 2.
How I Feel About Money - Unconscious Financial Habits
2.1 Anxiety, control, and avoidance caused by money
2.2 The Psychological Roots of Consumer Addiction and Saving Obsession
2.3 The Origins of My Recurring Consumption Patterns
2.4 Cognitive Strategies for Emotion-Based Consumption: Applying Behavioral Economics (Advanced Learning)

Chapter 3.
What is Financial Freedom? - Can You Be Free Without Money?
3.1 FIRE, Minimalism, and Self-Sufficiency: Ideals and Realities
3.2 Is it possible to live a free life without money?
3.3 Finding Your Own Definition of a "Life Without Money Worries"
3.4 The Four-Stage Model of Economic Freedom: Security, Choice, Meaning, and Liberation (Advanced Learning)

Chapter 4.
An era where investment is essential - structural compulsion
4.1 The Era of Inflation and Asset Imbalance
4.2 Limitations of the National Pension and the Four Major Insurances
4.3 It is capital, not income, that creates the gap.
4.4 Survival Investment Structure: The Crossroads Between Neglect and Design (Advanced Learning)

Part 7.
Investment Strategies: Learning from Failure - Don't Repeat Mistakes

Chapter 1.
People Who Lost Money by Following YouTube - The Trap of Misinformation
1.1 Why the 'Experts' Don't Respond to Me
1.2 In an Age of Information Overload, What Should We Believe?
1.3 An eye to read whose position it is
1.4 Investment Information Filtering Model: Signal and Noise Distinction (Deep Learning)

Chapter 2.
The moment when emotions determine investment direction - a clash of psychology and timing.
2.1 Loss aversion, confirmation bias, and regret theory
2.2 The “I should have sold it then” repetition mechanism
2.3 When emotions, not the market, move first
2.4 Analysis of the Four Major Distortions in Investment Psychology (Advanced Learning)

Chapter 3.
I made money, but I couldn't keep it: investing without an exit strategy.
3.1 The psychology of taking profits and cutting losses
3.2 The 'erosion structure' of taxes, exchange rates, and fees
3.3 Investment without rebalancing = Leakage structure
3.4 Exit Strategy Design Framework: Plan-Condition-Timing (Advanced Learning)

Chapter 4.
Investing, but life didn't improve - a directionless design
4.1 Numbers Grow, But Life Stays the Same: Lack of Perceived Investment Performance
4.2 Why It Doesn't Connect: The Problem of Disconnected Investment Structures
4.3 The 'Life-Changing Investment' Model: Structuring a Goal-Based Strategy

Part 8.
A Money Routine to Start Now - Creating Habits in Your Daily Life

Chapter 1.
A 10-Minute Daily Routine Can Change Your Life - Creating an Investment Routine
1.1 5 Minutes in the Morning: Market and Sentiment Check
1.2 5 Minutes in the Evening: Recording and Organizing Investment Flows
1.3 Create your own 'Investment Diary'
1.4 Designing a Financial Routine: 4 Steps: Observe, Record, Analyze, and Feedback (Advanced Learning)

Chapter 2.
Record your emotions, not your money: How to Write an Investment Motivational Letter
2.1 The art of asking “Why did you buy it?”
2.2 Emotion-Based Consumption Analysis Exercise
2.3 Exploring Consumption Triggers
2.4 Creating an Emotion-Consumption Linkage Matrix (Advanced Learning)

Chapter 3.
Monthly Financial Reset - Portfolio Review Day
3.1 Automatic transfer and cash flow monitoring routine
3.2 Health Checkup for Pension, ISA, and ETF Accounts
3.3 Writing a Monthly Portfolio Report
3.4 Asset Rebalancing Routine Blueprint (Advanced Learning)

Chapter 4.
Practical Routines for Turning Consumption into Assets: Creating Automation and Feedback Structures
4.1 Fixed Cost Structure Reset Routine - Monthly Consumption Automation Check
4.2 Analysis of Failure Types in Consumption-ETF Linkages - Avoiding Linkage Mistakes
4.3 Creating an Automated Consumption-Asset Linkage System – Combining Apps and Routines
4.4 Recurring Expense Redesign Toolkit - Visualizing Consumption → Asset Flow (Advanced Learning)

Epilogue

- Money doesn't simply disappear; it's a structure that understands the flow and designs it as an asset.
- Practical strategies and flow management to convert recurring monthly spending into assets.

We often say that money 'disappears', but in fact, money does not disappear; it flows away.
The money that comes into our bank accounts on payday goes towards various expenses such as coffee, subscription fees, delivery fees, and communication fees, and in the process, we are always standing at the 'exit'.
《Money Disappears, Money Accumulates》 shows in detail how to change the direction of this flow.
Rather than simply earning more or spending less, it presents a structural strategy to convert the money you already spend into assets.

Authors Lee Chang-woon and Lee Sang-hwa, financial experts with experience at the Financial Supervisory Service and in the securities and banking sectors, clearly explain practical strategies for connecting individual consumption and assets.
From the first steps of small investors to the risk management of high-net-worth individuals, it contains step-by-step customized strategies and practical portfolio design methods.
We offer a wide range of guidance, from connecting everyday expenses like rent, telecommunications, and subscription fees to investments, to strategic thinking that integrates dividends, growth, and tax savings.

In particular, this book emphasizes the "capability to design money flow" that operates on top of the investment tools themselves. Financial products like ETFs, REITs, pensions, and covered calls are merely tools; what matters is how they connect with my consumption and circulate as assets.
It guides you through the process of observing your recurring daily expenses, designing a portfolio and routine, and even creating habits to manage your assets.

The moment you read it, readers will gain a practical manual that goes beyond a simple financial management guide and allows them to structurally design their money and life.
It opens the way to an "investor mindset" that allows you to understand the flow and proactively design, breaking away from the old pattern of repeating spending and disappearing when you receive your paycheck.
Ultimately, the core message of this book is to transform consumption into assets and create a structure that allows money to accumulate.