{"id":3122,"date":"2025-12-31T00:33:21","date_gmt":"2025-12-31T00:33:21","guid":{"rendered":"https:\/\/ihavenomoney.co.kr\/?p=3122"},"modified":"2025-12-31T00:33:21","modified_gmt":"2025-12-31T00:33:21","slug":"%ed%92%8b%ec%98%b5%ec%85%98","status":"publish","type":"post","link":"https:\/\/ihavenomoney.co.kr\/?p=3122","title":{"rendered":"\ud48b\uc635\uc158"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">**\uc815\ud574\uc9c4 \uac00\uaca9(\ud589\uc0ac\uac00\uaca9)**\uc5d0 <strong>\uc815\ud574\uc9c4 \uae30\uac04 \uc548\uc5d0<\/strong> <strong>\uc8fc\uc2dd\uc744 \ud314 \uc218 \uc788\ub294 \uad8c\ub9ac<\/strong>\ub97c \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\ud55c \uc904 \uc694\uc57d<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udcc9 <strong>\uc8fc\uac00\uac00 \ub5a8\uc5b4\uc9c8 \uac83\uc774\ub77c\uace0 \uc608\uc0c1\ud560 \ub54c \uc0ac\uc6a9\ud558\ub294 \uad8c\ub9ac<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\uae30\ubcf8 \uac1c\ub150 \uc815\ub9ac<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\ub9e4\ub3c4 \uad8c\ub9ac<\/strong>: \uc8fc\uc2dd\uc744 <em>\ud314 \uc218 \uc788\ub294<\/em> \uad8c\ub9ac<\/li>\n\n\n\n<li><strong>\uc758\ubb34\ub294 \uc5c6\uc74c<\/strong>: \uc6d0\ud558\uc9c0 \uc54a\uc73c\uba74 \ud589\uc0ac\ud558\uc9c0 \uc54a\uc544\ub3c4 \ub428<\/li>\n\n\n\n<li><strong>\uc635\uc158 \ud504\ub9ac\ubbf8\uc5c4<\/strong>: \uc774 \uad8c\ub9ac\ub97c \uc0ac\uae30 \uc704\ud574 \ubbf8\ub9ac \uc9c0\ubd88\ud558\ub294 \ube44\uc6a9<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\uc608\uc2dc\ub85c \uc27d\uac8c \uc124\uba85<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ud604\uc7ac \uc8fc\uac00: <strong>100,000\uc6d0<\/strong><\/li>\n\n\n\n<li>\ud48b\uc635\uc158 \ud589\uc0ac\uac00\uaca9: <strong>95,000\uc6d0<\/strong><\/li>\n\n\n\n<li>\uc635\uc158 \ub9cc\uae30: <strong>3\uac1c\uc6d4 \ud6c4<\/strong><\/li>\n\n\n\n<li>\ud504\ub9ac\ubbf8\uc5c4(\uc635\uc158 \uac00\uaca9): <strong>3,000\uc6d0<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\u2460 \uc8fc\uac00\uac00 \ud558\ub77d\ud55c \uacbd\uc6b0<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ub9cc\uae30 \uc2dc \uc8fc\uac00\uac00 <strong>80,000\uc6d0<\/strong><\/li>\n\n\n\n<li>\uc2dc\uc7a5\uc5d0\uc11c\ub294 80,000\uc6d0\uc5d0 \ud314\uc544\uc57c \ud558\uc9c0\ub9cc<\/li>\n\n\n\n<li>\ud83d\udc49 \ud48b\uc635\uc158\uc73c\ub85c <strong>95,000\uc6d0\uc5d0 \ub9e4\ub3c4 \uac00\ub2a5<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\uc774\uc775 \uacc4\uc0b0<\/strong><\/p>\n\n\n\n<pre class=\"wp-block-code\"><code>95,000 \u2212 80,000 \u2212 3,000 = 12,000\uc6d0 \uc774\uc775\n<\/code><\/pre>\n\n\n\n<h3 class=\"wp-block-heading\">\u2461 \uc8fc\uac00\uac00 \uc0c1\uc2b9\ud55c \uacbd\uc6b0<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ub9cc\uae30 \uc2dc \uc8fc\uac00\uac00 <strong>110,000\uc6d0<\/strong><\/li>\n\n\n\n<li>\uad73\uc774 95,000\uc6d0\uc5d0 \ud314 \uc774\uc720 \uc5c6\uc74c<\/li>\n\n\n\n<li>\ud83d\udc49 \uc635\uc158\uc740 <strong>\ud589\uc0ac \uc548 \ud568<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\uc190\uc2e4<\/strong><\/p>\n\n\n\n<pre class=\"wp-block-code\"><code>\ud504\ub9ac\ubbf8\uc5c4 3,000\uc6d0 (\ucd5c\ub300 \uc190\uc2e4)\n<\/code><\/pre>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\ud48b\uc635\uc158\uc744 \uc0ac\uc6a9\ud558\ub294 \ubaa9\uc801<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1\ufe0f\u20e3 \ud558\ub77d\uc5d0 \ubca0\ud305 (\ud22c\uae30)<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc8fc\uac00 \ud558\ub77d \uc2dc \ud070 \uc218\uc775 \uac00\ub2a5<\/li>\n\n\n\n<li>\uc801\uc740 \ub3c8\uc73c\ub85c \ub808\ubc84\ub9ac\uc9c0 \ud6a8\uacfc<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">2\ufe0f\u20e3 \ubcf4\ud5d8(\ud5e4\uc9c0) \uc6a9\ub3c4<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc774\ubbf8 \uc8fc\uc2dd\uc744 \ubcf4\uc720\ud55c \uc0c1\ud0dc\uc5d0\uc11c<\/li>\n\n\n\n<li>\ud558\ub77d \ub9ac\uc2a4\ud06c \ubc29\uc5b4\uc6a9<\/li>\n\n\n\n<li>\ud83d\udc49 <strong>\uc8fc\uc2dd \ubcf4\ud5d8<\/strong>\uc774\ub77c\uace0 \uc0dd\uac01\ud558\uba74 \uc774\ud574 \uc26c\uc6c0<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\ucf5c\uc635\uc158\uacfc \ube44\uad50<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\uad6c\ubd84<\/th><th>\ucf5c\uc635\uc158<\/th><th>\ud48b\uc635\uc158<\/th><\/tr><\/thead><tbody><tr><td>\uad8c\ub9ac<\/td><td>\uc0b4 \uad8c\ub9ac<\/td><td><strong>\ud314 \uad8c\ub9ac<\/strong><\/td><\/tr><tr><td>\uae30\ub300 \ubc29\ud5a5<\/td><td>\uc0c1\uc2b9 \ud83d\udcc8<\/td><td><strong>\ud558\ub77d \ud83d\udcc9<\/strong><\/td><\/tr><tr><td>\ucd5c\ub300 \uc190\uc2e4<\/td><td>\ud504\ub9ac\ubbf8\uc5c4<\/td><td><strong>\ud504\ub9ac\ubbf8\uc5c4<\/strong><\/td><\/tr><tr><td>\ucd5c\ub300 \uc774\uc775<\/td><td>\ubb34\uc81c\ud55c<\/td><td><strong>\uc81c\ud55c\uc801<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\uc8fc\uc758\ud560 \uc810 \u26a0\ufe0f<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\ub9cc\uae30 \uc788\uc74c<\/strong> \u2192 \uc2dc\uac04 \uc9c0\ub098\uba74 \uac00\uce58 \uac10\uc18c(\uc2dc\uac04\uac00\uce58 \uc18c\uba78)<\/li>\n\n\n\n<li>\ubcc0\ub3d9\uc131, \ub9cc\uae30, \ud589\uc0ac\uac00\uc5d0 \ub530\ub77c \uac00\uaca9 \ud06c\uac8c \ub2ec\ub77c\uc9d0<\/li>\n\n\n\n<li>\uc635\uc158 \ub9e4\ub3c4\uc790\ub294 \uc704\ud5d8\uc774 \ud07c (\ud2b9\ud788 \ud48b \ub9e4\ub3c4)<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">\uc6d0\ud558\uc2dc\uba74<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\ubbf8\uad6d \uc8fc\uc2dd \uc635\uc158(\ubbf8\uc7a5)<\/strong> \uae30\uc900 \uc124\uba85<\/li>\n\n\n\n<li><strong>\ud48b\uc635\uc158 vs \uacf5\ub9e4\ub3c4 \ucc28\uc774<\/strong><\/li>\n\n\n\n<li><strong>\uc2e4\uc81c \ud22c\uc790 \uc804\ub7b5 \uc608\uc2dc(\ubcf4\ud638\uc801 \ud48b, \ud48b \uc2a4\ud504\ub808\ub4dc)<\/strong><br>\ub3c4 \uc774\uc5b4\uc11c \uc124\uba85\ud574 \ub4dc\ub9b4\uac8c\uc694.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">**\ub514\ucee4\ud50c\ub9c1(Decoupling)**\uc774\ub780<br>\ud83d\udc49 <strong>\uc6d0\ub798 \ud568\uaed8 \uc6c0\uc9c1\uc774\ub358 \ub450 \ub300\uc0c1\uc758 \ud750\ub984\uc774 \ubd84\ub9ac\ub418\ub294 \ud604\uc0c1<\/strong>\uc744 \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\ud55c \uc904 \uc694\uc57d<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udcca <strong>\u201c\uac19\uc774 \uac00\ub358 \uac8c, \ub530\ub85c \uac04\ub2e4\u201d<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\uacbd\uc81c\u00b7\uc8fc\uc2dd\uc5d0\uc11c\uc758 \uc758\ubbf8<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ubcf4\ud1b5 \uad6d\uac00\u00b7\uc2dc\uc7a5\u00b7\uc790\uc0b0\uc740 <strong>\ub192\uc740 \uc0c1\uad00\uad00\uacc4<\/strong>\ub97c \uac00\uc9c0\ub294\ub370,<br>\uc5b4\ub290 \uc21c\uac04\ubd80\ud130 <strong>\ud55c\ucabd\uc740 \uc0c1\uc2b9, \ub2e4\ub978 \ucabd\uc740 \ud558\ub77d<\/strong>\ud558\uac70\ub098<br><strong>\uc6c0\uc9c1\uc784\uc758 \ubc29\ud5a5\u00b7\uac15\ub3c4\uac00 \ub2ec\ub77c\uc9c0\uba74<\/strong> \uc774\ub97c <strong>\ub514\ucee4\ud50c\ub9c1<\/strong>\uc774\ub77c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\ub300\ud45c\uc801\uc778 \ub514\ucee4\ud50c\ub9c1 \uc0ac\ub840<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1\ufe0f\u20e3 \uad6d\uac00 \uac04 \ub514\ucee4\ud50c\ub9c1<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\ubbf8\uad6d \uc99d\uc2dc \uc0c1\uc2b9 \ud83d\udcc8<\/strong><\/li>\n\n\n\n<li><strong>\ud55c\uad6d\u00b7\uc911\uad6d \uc99d\uc2dc \ud558\ub77d \ud83d\udcc9<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 \uacfc\uac70\uc5d4 \uac19\uc774 \uc6c0\uc9c1\uc600\ub294\ub370,<br>\ud83d\udc49 \uae08\ub9ac\u00b7\ud658\uc728\u00b7\uc815\ucc45\u00b7\uc0b0\uc5c5 \uad6c\uc870 \ucc28\uc774\ub85c \ubd84\ub9ac<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">2\ufe0f\u20e3 \uc8fc\uc2dd vs \uc2e4\ubb3c\uacbd\uc81c \ub514\ucee4\ud50c\ub9c1<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc8fc\uac00\ub294 \uacc4\uc18d \uc624\ub974\ub294\ub370<\/li>\n\n\n\n<li>\uc2e4\ubb3c\uacbd\uae30(\uace0\uc6a9\u00b7\uc18c\ube44)\ub294 \uce68\uccb4<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <strong>\uc720\ub3d9\uc131 \ud6a8\uacfc<\/strong>, <strong>\uae08\ub9ac \uc815\ucc45<\/strong> \ub54c\ubb38\uc778 \uacbd\uc6b0 \ub9ce\uc74c<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">3\ufe0f\u20e3 \uc790\uc0b0 \uac04 \ub514\ucee4\ud50c\ub9c1<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uae08\ub9ac \uc778\uc0c1\uae30\uc778\ub370 <strong>\uc8fc\uac00 \uc0c1\uc2b9<\/strong><\/li>\n\n\n\n<li>\ub2ec\ub7ec \uac15\uc138\uc778\ub370 <strong>\uc6d0\uc790\uc7ac \uc0c1\uc2b9<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 \uc804\ud1b5\uc801 \uc0c1\uad00\uad00\uacc4 \ubd95\uad34<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">4\ufe0f\u20e3 \uc0b0\uc5c5\u00b7\uc885\ubaa9 \ub514\ucee4\ud50c\ub9c1<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc9c0\uc218\ub294 \ud6a1\ubcf4<\/li>\n\n\n\n<li><strong>AI\u00b7\ubc18\ub3c4\uccb4\ub9cc \uae09\ub4f1<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 \ud2b9\uc815 \uc0b0\uc5c5\uc73c\ub85c \uc790\uae08 \uc9d1\uc911<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\uc65c \ub514\ucee4\ud50c\ub9c1\uc774 \ubc1c\uc0dd\ud560\uae4c?<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\uae08\ub9ac \uc815\ucc45 \ucc28\uc774<\/strong> (\ubbf8\uad6d vs \uc2e0\ud765\uad6d)<\/li>\n\n\n\n<li><strong>\ud658\uc728 \uc601\ud5a5<\/strong><\/li>\n\n\n\n<li><strong>\uc0b0\uc5c5 \uad6c\uc870 \ucc28\uc774<\/strong><\/li>\n\n\n\n<li><strong>\uc815\ucc45\u00b7\uc9c0\uc815\ud559 \ub9ac\uc2a4\ud06c<\/strong><\/li>\n\n\n\n<li><strong>\uc790\ubcf8 \uc774\ub3d9(\uc678\uad6d\uc778 \uc790\uae08)<\/strong><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\ud22c\uc790\uc5d0\uc11c \uc911\uc694\ud55c \uc774\uc720<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">\u2714 \uae30\ud68c<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uac15\ud55c \uc2dc\uc7a5\ub9cc \uace8\ub77c \ud22c\uc790 \uac00\ub2a5<\/li>\n\n\n\n<li>\uae00\ub85c\ubc8c \ubd84\uc0b0\ud22c\uc790 \uc804\ub7b5\uc5d0 \ud65c\uc6a9<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\u2714 \uc704\ud5d8<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u201c\ubbf8\uad6d \uc624\ub974\uba74 \ud55c\uad6d\ub3c4 \uc624\ub978\ub2e4\u201d\ub294 <strong>\uace0\uc815\uad00\ub150 \ubd95\uad34<\/strong><\/li>\n\n\n\n<li>\uacfc\uac70 \ud328\ud134\ub9cc \ubbff\uc73c\uba74 \uc190\uc2e4 \uac00\ub2a5<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\ub514\ucee4\ud50c\ub9c1 vs \ucee4\ud50c\ub9c1<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\uad6c\ubd84<\/th><th>\ucee4\ud50c\ub9c1<\/th><th>\ub514\ucee4\ud50c\ub9c1<\/th><\/tr><\/thead><tbody><tr><td>\uc6c0\uc9c1\uc784<\/td><td>\ud568\uaed8 \uc6c0\uc9c1\uc784<\/td><td><strong>\ub530\ub85c \uc6c0\uc9c1\uc784<\/strong><\/td><\/tr><tr><td>\uc0c1\uad00\uad00\uacc4<\/td><td>\ub192\uc74c<\/td><td><strong>\ub0ae\uc544\uc9d0\/\ubd95\uad34<\/strong><\/td><\/tr><tr><td>\ud22c\uc790 \uc811\uadfc<\/td><td>\uc9c0\uc218 \ucd94\uc885<\/td><td><strong>\uc120\ubcc4 \ud22c\uc790 \ud544\uc694<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\uc2e4\uc804 \ud22c\uc790 \ud301<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\uc0c1\uad00\uacc4\uc218(Correlation)<\/strong> \ud655\uc778<\/li>\n\n\n\n<li>\uc7a5\uae30 \ub514\ucee4\ud50c\ub9c1\uc778\uc9c0, \ub2e8\uae30 \ucc29\uc2dc\uc778\uc9c0 \uad6c\ubd84<\/li>\n\n\n\n<li>\uae08\ub9ac\u00b7\ud658\uc728\uacfc <strong>\uac19\uc774 \ubd84\uc11d<\/strong><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>**\uc815\ud574\uc9c4 \uac00\uaca9(\ud589\uc0ac\uac00\uaca9)**\uc5d0 \uc815\ud574\uc9c4 \uae30\uac04 \uc548\uc5d0 \uc8fc\uc2dd\uc744 \ud314 \uc218 \uc788\ub294 \uad8c\ub9ac\ub97c \ub9d0\ud569\ub2c8\ub2e4. \ud55c \uc904 \uc694\uc57d \ud83d\udcc9 \uc8fc\uac00\uac00 \ub5a8\uc5b4\uc9c8 \uac83\uc774\ub77c\uace0 \uc608\uc0c1\ud560 \ub54c \uc0ac\uc6a9\ud558\ub294 \uad8c\ub9ac \uae30\ubcf8 \uac1c\ub150 \uc815\ub9ac \uc608\uc2dc\ub85c \uc27d\uac8c \uc124\uba85 \u2460 \uc8fc\uac00\uac00 \ud558\ub77d\ud55c \uacbd\uc6b0 \uc774\uc775 \uacc4\uc0b0 \u2461 \uc8fc\uac00\uac00 \uc0c1\uc2b9\ud55c \uacbd\uc6b0 \uc190\uc2e4 \ud48b\uc635\uc158\uc744 \uc0ac\uc6a9\ud558\ub294 \ubaa9\uc801 1\ufe0f\u20e3 \ud558\ub77d\uc5d0 \ubca0\ud305 (\ud22c\uae30) 2\ufe0f\u20e3 \ubcf4\ud5d8(\ud5e4\uc9c0) \uc6a9\ub3c4 \ucf5c\uc635\uc158\uacfc \ube44\uad50 \uad6c\ubd84 \ucf5c\uc635\uc158 \ud48b\uc635\uc158 \uad8c\ub9ac &hellip; <a href=\"https:\/\/ihavenomoney.co.kr\/?p=3122\" class=\"more-link\"><span class=\"screen-reader-text\">\ud48b\uc635\uc158<\/span> \ub354\ubcf4\uae30 <span 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