Make your happy retirement a reality now!
The choices you make now will change your future!

Money and job insecurity! Moments of crisis are turning points! The author is a financial expert who has worked in the financial industry for 20 years, working across banks, insurance companies, and securities firms, serving over 10,000 diverse clients.
The process was not smooth.
Every time I changed jobs, I had to overcome new environments and stereotypes. At one point, my investment failed, my bank account was empty, and I even sold my house to pursue new challenges. However, no matter how hard I tried, things didn't go well.
The emptiness he felt every morning when he left home and the helplessness of not being able to say anything to his family are scars he will never forget for the rest of his life.
The author says that the 'anxiety of not having money' and the 'pain of not having a job' were experiences that shook the very foundations of life.
But sometimes, that anxiety and pain are the most powerful forces that change us.
Anxiety about money, work, and retirement is something that every working person has felt at least once.
The author wrote this book for those who want to overcome this very situation.
Rather than worrying about an uncertain future, I suggest that you create your own new turning point right now.

I retired about 10 years earlier than my peers.
Thanks to this, I was able to experience life after retirement 10 years earlier, and I had to face realistic problems and overcome them while preparing for retirement.
This book is not about making the rich richer.
This book presents specific methods that ordinary people around us should implement to prepare for retirement.
--- From the "Prologue"

Why can't I save 500 million won even though I'm receiving a monthly salary from my job? The biggest reason is because I start preparing for retirement too late.
If you start preparing from the age of 30, you can save up to 500 million won by paying only 330,000 won per month by the age of 70.
However, if you prepare from the age of 40, you will need to pay 610,000 won per month, and if you prepare from the age of 50, you will need to pay 1.23 million won per month.
If you start preparing from the age of 60, you will need to pay a whopping 3.24 million won per month.

--- From "Part 1 'Can I make 500 million won by the age of 70?'"

After retirement, Mr. K is running out of money and is left with only one house.
What should I do? If I take out a loan, I don't have the money to repay the principal and interest. If I sell my house, there's no one willing to buy it right away. If I keep it, I don't have the money for living expenses.
Is there a way to simultaneously cover housing and living expenses? In this situation, a housing pension can be utilized.
Housing pension is a system in which you put up your home as collateral and receive a monthly pension.
The format is a loan, but it is very different from a typical home mortgage loan.

--- From "Part 1 'How many pensions can I receive?'"

Reader, do you know how much pension you're eligible for? If not, let's find out together.
My pension inquiry shouldn't end with just an inquiry.
I need to check whether my pension is sufficient for my retirement living expenses, and if not, calculate how much more I need to save.
And you need to think about how you will prepare to cover the shortfall.
I hope that readers will follow along in the following order.

--- From "Part 1 'If I retire... how much will my pension be?'"

So how can we create the "situation" that will allow us to become wealthy? The answer lies in "salary setting."
Salary setting is an asset growth system that sets the proportions of income, investment, and expenditure in advance and executes them as set.
Setting up a salary is about saving money and creating a situation where you have no choice but to call.
Once you set it up, you can use it for at least a year, or even a lifetime.
I'll walk you through it step by step, so I encourage you to get your pen and notepad ready and create and implement your own salary setup.

--- From "Part 2 'A sure way to save money and be called?'"

When preparing for retirement, it is best to utilize pension savings and IRP.
Because you can receive tax deductions every year, you can increase your income, and because you can receive it as a pension in your old age, it can supplement your income in your old age.
If you save 750,000 won starting at age 40, you can secure about 300 million won by age 60.
I think it would be a good idea to invest 500,000 won in a pension savings fund and 250,000 won in an IRP every month.
.
--- From "Part 2 'You can make 300 million won by saving exactly 750,000 won each?'"

Our country has become a super-aged society, with the population aged 65 and over exceeding 20%.
With interest rates low and life expectancy increasing, living a long life has become less of a burden.
When your income decreases after retirement, you are bound to feel more anxious.
In times like these, the national pension plays a role in guaranteeing a livelihood in old age.
However, most people do not receive much in national pension.
Is there a way to increase your national pension? There is! Some people have even doubled their national pension by using the methods described below.

--- From "Part 3 'There's a way to double your national pension?'"

You need to manage your retirement funds well to ensure a stable living expenses in your old age.
There is a way to receive retirement benefits like a monthly salary through investment products.
Utilizing investment products is not suitable for conservative investors who value principal protection.
It is suitable for aggressive investors who have experience in various investments, including stock investment, and are willing to take risks.
Whether a savings product or an investment product is better is simply a matter of each person's investment tendencies, not a question of right or wrong.
Below, we will describe retirement fund management methods utilizing high-dividend stocks and ETFs among investment products.

--- From "Part 3 'How to set up a pension using 100 million won in retirement pay?'"

I also acknowledge that spending on appropriate private education expenses (within 10% of monthly salary) is appropriate.
However, I think that excessive private education expenses (over 10% of monthly salary) are an unreasonable expense.
As you can see in Table 43, if you reduce unnecessary spending by 500,000 won, you can save 100 to 200 million won.
What you do with the 200 million won is up to you.
① All 200 million won will be used as children’s independence funds.
② I will use all 200 million won for my retirement funds.
③ I will use 100 million won for my children's independence fund and 100 million won for my retirement fund.
Now, choose one of ①②③!
--- From "Part 4: 'The Era of 1 Million Won Per Person in Private Education Spending? Where Will It End?'"

Meanwhile, if you set up a new existing insurance policy and pay 184,000 won per month, the total insurance premium payment over 20 years will be only 40 million won, the 1.7 million won you put in as a monthly savings account will become 400 million won after 20 years, and the 50 million won surrender value will become 100 million won, securing a total of 500 million won in retirement funds.
However, the exact amount cannot be said to be the amount because actual cost insurance or health insurance does not reflect the increase in premium due to renewal special contracts.
However, even if the insurance premium increases, it will not increase by 100 million won every 5 years, so it is much more advantageous to set it up again.

--- From "Part 4 'What if you earn 1.7 million won per month by setting up insurance?'"