{"id":127,"date":"2025-08-16T04:09:00","date_gmt":"2025-08-16T04:09:00","guid":{"rendered":"https:\/\/thequickwise.com\/practical-guide-setting-smart-financial-goals-success\/"},"modified":"2026-01-30T11:59:48","modified_gmt":"2026-01-30T11:59:48","slug":"practical-guide-setting-smart-financial-goals-success","status":"publish","type":"post","link":"https:\/\/thequickwise.com\/ko\/practical-guide-setting-smart-financial-goals-success\/","title":{"rendered":"\uc131\uacf5\uc744 \uc704\ud55c SMART \uc7ac\uc815 \ubaa9\ud45c \uc124\uc815\uc744 \uc704\ud55c \uc2e4\uc6a9 \uac00\uc774\ub4dc"},"content":{"rendered":"<p>\uc131\uacf5\uc744 \uc704\ud55c SMART \uc7ac\uc815 \ubaa9\ud45c \uc124\uc815\uc744 \uc704\ud55c \uc2e4\uc6a9 \uac00\uc774\ub4dc<\/p>\n<p>\ub3c8\uc5d0 \ub300\ud55c \ubaa9\ud45c\ub97c \uace0\uc218\ud558\ub294 \uac83\uc774 \ub9c8\uce58 \uc6c0\uc9c1\uc774\ub294 \ud45c\uc801\uc744 \ucad3\ub294 \uac83\ucc98\ub7fc \ub290\uaef4\uc9c0\ub294 \uc774\uc720\uac00 \uad81\uae08\ud588\ub358 \uc801 \uc788\uc73c\uc2e0\uac00\uc694? \uc544\ubb34\ub9ac \uc88b\uc740 \uc758\ub3c4\ub97c \uac00\uc9c0\uace0 \uc788\ub354\ub77c\ub3c4 \uc800\ucd95, \ud22c\uc790, \uc608\uc0b0 \uad00\ub9ac\ub294 \uae08\ubc29 \ubc84\uac70\uc6cc\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc7ac\uc815 \uad00\ub9ac\ub294 \uba85\ud655\ud558\uace0 \ud604\uc2e4\uc801\uc778 \ubaa9\ud45c \uc124\uc815\uc5d0\uc11c \uc2dc\uc791\ub429\ub2c8\ub2e4.<\/p>\n<p>\uc7ac\uc815 \ubaa9\ud45c\ub294 \uc6b0\ub9ac\uc758 \uc120\ud0dd\uc744 \ub4b7\ubc1b\uce68\ud558\uace0, \uc548\uc815\uacfc \uae30\ud68c\ub97c \ud5a5\ud574 \ub098\uc544\uac00\ub3c4\ub85d \uc774\ub055\ub2c8\ub2e4. \uafc8\uafd4\uc654\ub358 \ud734\uac00\ub97c \uacc4\ud68d\ud558\ub4e0, \uc9d1\uc744 \uc0ac\ub4e0, \uc544\ub2c8\uba74 \uc6d4\ub9d0 \uc2a4\ud2b8\ub808\uc2a4\ub97c \ud53c\ud558\ub4e0, \ud0c4\ud0c4\ud55c \uacc4\ud68d\uc740 \ud070 \ucc28\uc774\ub97c \ub9cc\ub4ed\ub2c8\ub2e4. SMART \uc811\uadfc\ubc95\uc740 \uc0c1\ud669\uc774 \ubd88\ubd84\uba85\ud574 \ubcf4\uc77c \ub54c \uccb4\uacc4\uc801\uc778 \uacc4\ud68d\uc744 \uc81c\uc2dc\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc7ac\uc815\uc5d0 \ub300\ud55c \uc57c\ub9dd\uc744 \uc0c8\ub86d\uac8c \uc2dc\uc791\ud560 \uc900\ube44\uac00 \ub418\uc168\ub098\uc694? \uc774 \uac00\uc774\ub4dc\ub294 SMART \uc7ac\uc815 \ubaa9\ud45c \uc124\uc815\uc744 \uc2e4\uc6a9\uc801\uc778 \ub2e8\uacc4, \uacf5\uac10\ud560 \uc218 \uc788\ub294 \uc0ac\ub840, \uadf8\ub9ac\uace0 \uc26c\uc6b4 \ube44\uad50\ub97c \ud1b5\ud574 \uc790\uc138\ud788 \uc124\uba85\ud558\uc5ec \uc2e4\uc81c \uc9c4\ud589 \uc0c1\ud669\uc744 \ud655\uc778\ud560 \uc218 \uc788\ub3c4\ub85d \ub3c4\uc640\uc90d\ub2c8\ub2e4. \uce21\uc815\ud558\uace0 \uc990\uae38 \uc218 \uc788\ub294 \uc2e4\uc9c8\uc801\uc778 \uacb0\uacfc\ub97c \ud5a5\ud574 \ub098\uc544\uac00 \ubcf4\uc138\uc694!<\/p>\n<h2>\ub3c8 \ubaa9\ud45c\ub97c \uc704\ud55c SMART \ud504\ub808\uc784\uc6cc\ud06c \uc774\ud574\ud558\uae30<\/h2>\n<p>\ubaa9\ud45c\ub97c \ud5a5\ud574 \uc804\ub825 \uc9c8\uc8fc\ud558\uae30 \uc804\uc5d0, \ubb34\uc5c7\uc744 \uc6d0\ud558\ub294\uc9c0, \uc5b8\uc81c \uc6d0\ud558\ub294\uc9c0, \uadf8\ub9ac\uace0 \uc5b4\ub5bb\uac8c \ubaa9\ud45c\uc5d0 \ub3c4\ub2ec\ud560 \uc218 \uc788\ub294\uc9c0 \uc815\ud655\ud788 \uc544\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \ubc14\ub85c \uc774 \uc9c0\uc810\uc5d0\uc11c SMART \ud504\ub808\uc784\uc6cc\ud06c\uac00 \ube5b\uc744 \ubc1c\ud558\uba70, \ub9c9\uc5f0\ud55c \ud76c\ub9dd\uc744 \uad6c\uccb4\uc801\uc778 \uacc4\ud68d\uc73c\ub85c \ubc14\uafd4\uc90d\ub2c8\ub2e4.<\/p>\n<p>\ub9c8\uce58 \uc790\ub3d9\ucc28 \uc5ec\ud589\uc5d0\uc11c GPS\ub97c \uc0ac\uc6a9\ud558\ub294 \uac83\uacfc \uac19\ub2e4\uace0 \uc0dd\uac01\ud574 \ubcf4\uc138\uc694. \ub2e8\uc21c\ud788 \uc9c1\uac10\uc5d0 \ub530\ub77c \uac00\ub294 \uac83\uc774 \uc544\ub2c8\ub77c, \uba85\ud655\ud55c \ubc29\ud5a5, \uc774\uc815\ud45c, \ub3c4\ucc29 \uc2dc\uac04\uc744 \uc815\ud574 \uacbd\ub85c\ub97c \uacc4\ud68d\ud558\ub294 \uac83\uc774\uc8e0. \uc5ec\ud589\uacfc \ub9c8\ucc2c\uac00\uc9c0\ub85c, \uc138\ubd80 \uc0ac\ud56d\uc744 \uc54c\uba74 \ubd88\ud544\uc694\ud55c \ub178\ub825\uacfc \uc608\uc0c1\uce58 \ubabb\ud55c \uc6b0\ud68c\ub85c\ub97c \ud53c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<ul>\n<li><strong>\ud2b9\uc815\ud55c:<\/strong> &quot;\ub3c8\uc744 \uc800\ucd95\ud55c\ub2e4&quot;\ub294 \ub9d0 \ub300\uc2e0 &quot;\ucc28\ub97c \uc0ac\uae30 \uc704\ud574 1,000\ub2ec\ub7ec\ub97c \uc800\ucd95\ud55c\ub2e4&quot;\ub294 \ub9d0\ucc98\ub7fc \uba85\ud655\ud55c \ubaa9\uc801\uc744 \uac16\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/li>\n<li><strong>\uce21\uc815 \uac00\ub2a5:<\/strong> \uc9c4\ud589 \uc0c1\ud669\uc744 \uc22b\uc790\ub85c \uc27d\uac8c \ucd94\uc801\ud558\uc138\uc694.<\/li>\n<li><strong>\ub2ec\uc131 \uac00\ub2a5:<\/strong> \ud604\uc7ac \uc18c\ub4dd\uacfc \uc9c0\ucd9c\uc744 \ubc14\ud0d5\uc73c\ub85c \ud604\uc2e4\uc801\uc778 \uacc4\ud68d\uc744 \uc138\uc6b0\uc138\uc694. \ud76c\ub9dd\uc801 \uc0dd\uac01\uc774 \uc544\ub2d9\ub2c8\ub2e4.<\/li>\n<li><strong>\uad00\ub828 \uc788\ub294:<\/strong> \ud2b8\ub80c\ub4dc\ub098 \ub3d9\ub8cc\uc758 \uc555\ub825\uc774 \uc544\ub2cc, \ub2f9\uc2e0\uc5d0\uac8c \uc815\ub9d0 \uc911\uc694\ud55c \uac83\uc5d0 \ub9de\ucdb0 \uc870\uc815\ud569\ub2c8\ub2e4.<\/li>\n<li><strong>\uc2dc\uac04 \uc81c\ud55c:<\/strong> \uae34\ubc15\uac10\uacfc \ucd94\uc9c4\ub825\uc744 \ucc3d\ucd9c\ud558\uae30 \uc704\ud55c \ub9c8\uac10\uc77c.<\/li>\n<\/ul>\n<p>SMART \ubc29\ubc95\uc740 \ubaa8\ub4e0 \ubaa9\ud45c\uc5d0 \uae30\ubc18\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \ub2e8\uc21c\ud788 \uafc8\uafb8\ub294 \uac83\ubcf4\ub2e4\ub294 \ub2e8\uacc4\uc801\uc73c\ub85c \ud0c4\ud0c4\ud55c \uae30\ubc18\uc744 \uc313\uc544\uac00\ub294 \ub370 \ub354 \uc911\uc810\uc744 \ub461\ub2c8\ub2e4.<\/p>\n<h2>\ubaa8\ud638\ud55c \uafc8\uc744 \uba85\ud655\ud55c \uc7ac\uc815 \ubaa9\ud45c\ub85c \uc804\ud658\ud558\uae30<\/h2>\n<p>&quot;\uc5b8\uc820\uac00 \ubd80\uc790\uac00 \ub418\uace0 \uc2f6\uc5b4\uc694.&quot; \ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc774 \ub9c9\uc5f0\ud55c \uc18c\ub9dd\uc73c\ub85c \uc2dc\uc791\ud558\uc9c0\ub9cc, \uadf8 \ub9c9\uc5f0\ud55c \uc57c\ub9dd\uc740 \uc880\ucc98\ub7fc \uba85\ud655\ud55c \ubaa9\ud45c\ub97c \uc81c\uc2dc\ud558\uc9c0 \ubabb\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc81c\ub2c8\ud37c\ub294 \ub9c8\uce68\ub0b4 \uc790\uae30 \uc544\ud30c\ud2b8\ub97c \uac16\uae30\ub85c \uacb0\uc2ec\ud588\uc9c0\ub9cc, \uc5bc\ub9c8\ub098 \ud544\uc694\ud560\uc9c0, \uc5b8\uc81c\ucbe4 \uac00\ub2a5\ud560\uc9c0 \ud655\uc2e0\ud560 \uc218 \uc5c6\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc81c\ub2c8\ud37c\uc758 \uce5c\uad6c \ub9c8\ucee4\uc2a4\ub294 SMART \ubaa9\ud45c\ub97c \uac00\uc9c0\uace0 \uc788\uc5c8\uc2b5\ub2c8\ub2e4. \uadf8\ub294 18\uac1c\uc6d4 \uc548\uc5d0 $12,000\uc744 \uc800\ucd95\ud558\ub294 \uac83\uc744 \ubaa9\ud45c\ub85c \ud588\uc2b5\ub2c8\ub2e4. \ubcf4\uc99d\uae08\uacfc \uc774\uc0ac \ube44\uc6a9\uc744 \ucda9\ub2f9\ud560 \uc218 \uc788\ub294 \uae08\uc561\uc774\uc5c8\uc2b5\ub2c8\ub2e4. \uafc8\uc744 \uc138\ubd84\ud654\ud568\uc73c\ub85c\uc368 \uadf8\uc758 \uc9c4\ucc99 \uc0c1\ud669\uc744 \uce21\uc815\ud558\uace0 \ub3d9\uae30\ub97c \ubd80\uc5ec\ud588\uc2b5\ub2c8\ub2e4. \uadf8\ub294 \ub9e4 \uc6d4\uae09\uc744 \ubc1b\uc744 \ub54c\ub9c8\ub2e4 \uc77c\uc815 \uae08\uc561\uc744 \ub530\ub85c \ubaa8\uc544 \uc2a4\ud504\ub808\ub4dc\uc2dc\ud2b8\uc5d0 \uc131\uacf5 \uc5ec\ubd80\ub97c \uae30\ub85d\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub9c9\uc5f0\ud558\uac8c &quot;\ub354 \uc800\ucd95\ud558\uace0 \uc2f6\ub2e4&quot;\uace0 \ud588\ub358 \ud06c\ub9ac\uc2a4\uc640 \ube44\uad50\ud574 \ubcf4\uc138\uc694. \uc5ec\ud589\uc744 \uac08 \uae30\ud68c\uac00 \uc0dd\uacbc\uc744 \ub54c, \uadf8\ub294 \ucda9\ubd84\ud55c \ub3c8\uc744 \ub530\ub85c \ub9c8\ub828\ud558\uc9c0 \ubabb\ud588\ub2e4\ub294 \uac83\uc744 \uae68\ub2ec\uc558\uc2b5\ub2c8\ub2e4. \uad6c\uccb4\uc801\uc778 \uacc4\ud68d\uacfc \uc77c\uc815\uc774 \uc5c6\uc73c\uba74 \ubd80\uc871\ud558\uae30 \uc27d\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uad6c\uccb4\uc801\uc774\uc5b4\uc57c \ud76c\ub9dd\uc744 \uacc4\ud68d\uc73c\ub85c \ubc14\uafc0 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubb34\uc5c7\uc744, \uc65c, \uc5b8\uc81c\uae4c\uc9c0 \ud560\uc9c0 \uba85\ud655\ud788 \ud558\uba74 \uae38\uc774 \ub35c \ubaa8\ud638\ud574\uc9c0\uace0 \uc7ac\uc815\uc801 \uc131\ucde8\ub85c \ud5a5\ud558\ub294 \uae38\uc774 \ubc1d\uc544\uc9d1\ub2c8\ub2e4. \ub9c9\uc5f0\ud55c \uafc8\uc740 \uad6c\uccb4\uc801\uc778 \uc9c4\uc804\uc744 \uac00\uc838\uc624\uc9c0 \ubabb\ud569\ub2c8\ub2e4.<\/p>\n<h2>\uac1c\uc778 \uc7ac\uc815 \uc6b0\uc120\uc21c\uc704 \ub9e4\ud551<\/h2>\n<p>\uc6b0\uc120\uc21c\uc704\ub97c \uc815\ud55c\ub2e4\ub294 \uac83\uc740 \uc790\uc2e0\uc758 \ud544\uc694, \ubc14\ub78c, \uadf8\ub9ac\uace0 \uc758\ubb34\uc758 \uc21c\uc704\ub97c \ub9e4\uae30\ub294 \uac83\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4. \ubaa8\ub4e0 \uac83\uc744 \ud55c\uaebc\ubc88\uc5d0 \ud560 \uc218\ub294 \uc5c6\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \uc9c4\uc815\uc73c\ub85c \uc911\uc694\ud55c \uac83\uc774 \ubb34\uc5c7\uc778\uc9c0 \ud30c\uc545\ud558\uba74 \ub178\ub825\uacfc \uc790\uc6d0\uc744 \ud604\uba85\ud558\uac8c \uc9d1\uc911\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n<ol>\n<li>\ud06c\uace0 \uc791\uc740 \ubaa8\ub4e0 \uc7a0\uc7ac\uc801 \uc7ac\uc815 \ubaa9\ud45c\ub97c \ub098\uc5f4\ud574 \ubcf4\uc138\uc694. \uadf8\ub9ac\uace0 \uc5b4\ub5a4 \ubaa9\ud45c\uac00 \ub2f9\uc7a5\uc758 \ud544\uc694\uc5d0 \ub9de\ub294\uc9c0 \ube44\uad50\ud574 \ubcf4\uc138\uc694. \uc608\ub97c \ub4e4\uc5b4, \ud734\ub300\ud3f0\uc744 \ubc14\uafb8\ub294 \uac83\ubcf4\ub2e4 \ube44\uc0c1\uae08\uc744 \ubaa8\uc73c\ub294 \uac83\uc774 \ub354 \ub098\uc740\uc9c0 \uc0dd\uac01\ud574 \ubcf4\uc138\uc694.<\/li>\n<li>\uac01 \ubaa9\ud45c\uc758 \uc2dc\uae09\uc131\uc744 \ub530\uc838\ubcf4\uc138\uc694. \ub2e8\uae30\uc801\uc778 \ud544\uc694(\uc608\uc0c1\uce58 \ubabb\ud55c \uc9c0\ucd9c \ucda9\ub2f9)\uac00 \uc740\ud1f4 \uc790\uae08 \ub9c8\ub828\uacfc \uac19\uc740 \uc7a5\uae30\uc801\uc778 \ubaa9\ud45c\ub97c \ubc29\ud574\ud558\ub294 \uac83\uc744 \ub9c9\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li>\uac01 \ubaa9\ud45c\uc5d0 \ub4dc\ub294 \ube44\uc6a9\uc744 \uc608\uc0c1\ud574 \ubcf4\uc138\uc694. \ubd80\ucc44 \uc0c1\ud658\uc5d0 \uc9d1\uc911\ud558\ub294 \ub3d9\uc548 \uc5ec\ud589\uc740 \ubbf8\ub904\ub450\uace0, \uc800\ucd95\uc774 \ub298\uc5b4\ub0a0 \ub54c\uae4c\uc9c0 \uc0c8 \ucc28\ub97c \uc0ac\ub294 \uac83\ub3c4 \uace0\ub824\ud574 \ubcf4\uc138\uc694.<\/li>\n<li>\uac01 \uc6b0\uc120\uc21c\uc704\uc5d0 \uae30\uac04\uc744 \uc815\ud558\uc138\uc694. \ub2e4\uc74c \ub2ec \ubaa9\ud45c\ub294 3\ub144 \uc548\uc5d0 \uc774\ub8e8\uace0 \uc2f6\uc740 \ubaa9\ud45c\uc640 \ub2ec\ub77c\uc57c \ud569\ub2c8\ub2e4. \uc774\ub807\uac8c \ud558\uba74 \ud560 \uc77c \ubaa9\ub85d\uc744 \uad00\ub9ac\ud558\uae30 \uc27d\uace0 \ub3d9\uae30\ub97c \ubd80\uc5ec\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/li>\n<li>\uc790\uc2e0\uc758 \uc900\ube44 \uc0c1\ud0dc\uc640 \uc790\uc6d0\uc744 \ubd84\uc11d\ud558\uc138\uc694. \ub2e8\uae30\uc801\uc778 \uc131\uacfc\uc5d0 \ub354 \ud070 \ub3d9\uae30\ub97c \ubd80\uc5ec\ubc1b\ub294\uc9c0, \uc544\ub2c8\uba74 \uc7a5\uae30\uc801\uc73c\ub85c \ub354 \ud070 \ubaa9\ud45c\ub97c \ud5a5\ud574 \ub098\uc544\uac00\ub294\uc9c0 \uc0dd\uac01\ud574 \ubcf4\uc138\uc694. \uc790\uc2e0\uc758 \uc131\uaca9\uacfc \uc0c1\ud669\uc5d0 \ub9de\ucdb0 \ubaa9\ud45c\ub97c \uc870\uc815\ud558\uc138\uc694.<\/li>\n<li>\uc720\uc5f0\uc131\uacfc \uaddc\uc728\uc758 \uade0\ud615\uc744 \ub9de\ucd94\uc138\uc694. \uc0b6\uc758 \ubcc0\ud654\uc5d0 \ub530\ub77c \uc6b0\uc120\uc21c\uc704\uac00 \ubc14\ub014 \uc218 \uc788\uc73c\ubbc0\ub85c, \ud544\uc694\uc5d0 \ub530\ub77c \ubaa9\ub85d\uc744 \uc815\uae30\uc801\uc73c\ub85c \uac80\ud1a0\ud558\uc5ec \uc870\uc815\ud558\uc138\uc694.<\/li>\n<li>\uc791\uc740 \uc131\ucde8\ub97c \ucd95\ud558\ud558\uace0 \uc790\uc2e0\uc758 \ubaa9\ud45c \ub2ec\uc131 \uc5ec\ubd80\ub97c \uc815\uae30\uc801\uc73c\ub85c \uc810\uac80\ud558\uc138\uc694. \uc774\ub807\uac8c \ud558\uba74 \ub3d9\uae30 \ubd80\uc5ec\uac00 \ub192\uc544\uc9c0\uace0 \ubaa9\ud45c \ub2ec\uc131 \uac00\ub2a5\uc131\uc774 \ub192\uc544\uc9c0\uba70, \ubaa9\ud45c \ud53c\ub85c\uac10\uc758 \uc704\ud5d8\ub3c4 \uc904\uc5b4\ub4ed\ub2c8\ub2e4.<\/li>\n<\/ol>\n<p>\uc774\ub7ec\ud55c \uc870\uce58\ub97c \ub530\ub974\uba74 \ud769\uc5b4\uc9c4 \uc544\uc774\ub514\uc5b4\uac00 \ud558\ub098\uc758 \uba85\ud655\ud55c \uc9c0\ub3c4\ub85c \uc644\uc131\ub429\ub2c8\ub2e4. \uba85\ud655\ud55c \uc6b0\uc120\uc21c\uc704\ub294 \ubaa8\ub4e0 \ub2e8\uacc4\ub97c \uc758\ubbf8 \uc788\uace0, \uad00\ub9ac \uac00\ub2a5\ud558\uba70, \uc810\uc810 \ub354 \ub2ec\uc131 \uac00\ub2a5\ud55c \uac83\uc73c\ub85c \ub290\ub07c\uac8c \ud569\ub2c8\ub2e4.<\/p>\n<h2>\ub2e8\uae30 \uc7ac\uc815 \ubaa9\ud45c\uc640 \uc7a5\uae30 \uc7ac\uc815 \ubaa9\ud45c\uc758 \ub300\uc870<\/h2>\n<p>\uc5ec\ub984 \uc5ec\ud589 \uc790\uae08 \ub9c8\ub828\uacfc \uac19\uc740 \ub2e8\uae30 \ubaa9\ud45c\ub294 \ubcf4\ud1b5 \ube60\ub978 \uc131\uacfc\ub97c \uc81c\uacf5\ud558\uace0 \ub3d9\uae30\ub97c \ubd80\uc5ec\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ubaa9\ud45c\ub294 \ub354 \ud070 \uc131\ucde8\ub85c \uc774\uc5b4\uc9c0\ub294 \ub514\ub524\ub3cc\uc774 \ub418\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \ubc18\uba74, \uc740\ud1f4 \uc790\uae08 \ub9c8\ub828\uacfc \uac19\uc740 \uc7a5\uae30 \ubaa9\ud45c\ub294 \uc778\ub0b4\uc2ec\uacfc \uafb8\uc900\ud55c \uae30\uc5ec\ub97c \uc694\uad6c\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc218\uc785\uc744 \ub098\ub204\ub294 \ubc1c\ub808\ub9ac\uc758 \uacbd\uc6b0\ub97c \uc0dd\uac01\ud574 \ubcf4\uc138\uc694. \uadf8\ub140\ub294 \ub2e4\uc74c \uac00\uc871 \ud734\uac00\uc640 \uacb0\uad6d \uc9d1\uc744 \uc0b4 \ub3c8\uc744 \ub9e4\ub2ec \ub530\ub85c \ubaa8\uc544\ub461\ub2c8\ub2e4. \uadf8\ub140\uc758 \uc811\uadfc \ubc29\uc2dd\uc740 \uade0\ud615\uc744 \uc798 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4. \ud604\uc7ac\uc758 \uc9c4\uc804\uc744 \uc990\uae30\uba74\uc11c\ub3c4 \uc55e\uc73c\ub85c \ub354 \ud070 \ubaa9\ud45c\ub97c \uc5fc\ub450\uc5d0 \ub450\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<table>\n<thead>\n<tr>\n<th>\ubaa9\ud45c \uc720\ud615<\/th>\n<th>\uc608<\/th>\n<th>\ud0c0\uc784\ub77c\uc778<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\ub2e8\uae30<\/td>\n<td>\ud734\uc77c \uc120\ubb3c<\/td>\n<td>0~12\uac1c\uc6d4<\/td>\n<\/tr>\n<tr>\n<td>\uc911\uae30<\/td>\n<td>\ucc28\ub7c9 \uc120\ubd88\uae08<\/td>\n<td>1~3\ub144<\/td>\n<\/tr>\n<tr>\n<td>\uc7a5\uae30<\/td>\n<td>\ud1f4\uc9c1\uc5f0\uae08<\/td>\n<td>10\ub144 \uc774\uc0c1<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\ud45c\ub97c \ubcf4\uba74 \ubaa9\ud45c\uc758 \ud06c\uae30\uc640 \uae30\uac04\uc774 \uc5b4\ub5bb\uac8c \ub2e4\ub978\uc9c0 \ube44\uad50\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e8\uae30 \ubaa9\ud45c\ub294 \uc989\uac01\uc801\uc778 \ub9cc\uc871\uac10\uc744 \uc81c\uacf5\ud558\ub294 \ubc18\uba74, \uc7a5\uae30 \ubaa9\ud45c\ub294 \uc77c\uad00\uc131\uc744 \uc694\uad6c\ud558\uc9c0\ub9cc \ub354 \ud070 \ubbf8\ub798\ub97c \ub9cc\ub4e4\uc5b4\ub0c5\ub2c8\ub2e4. \ub450 \ubaa9\ud45c\ub97c \uacb0\ud569\ud558\uba74 \ub3d9\uae30 \ubd80\uc5ec\uc640 \uc548\uc815\uac10\uc758 \uade0\ud615\uc744 \uc720\uc9c0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<h2>\uc2e4\uc81c \ub3c4\uad6c\uc640 \uc2b5\uad00\uc744 \ud1b5\ud574 \ucc45\uc784\uac10\uc744 \uc720\uc9c0\ud558\ub2e4<\/h2>\n<p>\uc608\uc0b0 \uad00\ub9ac \uc571\uc740 \uc9c0\uac11\uc5d0 \ub123\uc5b4 \ub2e4\ub2c8\ub294 \ud53c\ud2b8\ub2c8\uc2a4 \ud2b8\ub798\ucee4\ub77c\uace0 \uc0dd\uac01\ud558\uba74 \ub429\ub2c8\ub2e4. \uc9c0\ucd9c \ud328\ud134\uc744 \ud30c\uc545\ud558\uace0, \uc800\ucd95 \ud604\ud669\uc744 \ud30c\uc545\ud558\uba70, \ubaa9\ud45c \ub2ec\uc131\uc5d0 \uc2e4\ud328\ud558\uba74 \uc54c\ub9bc\uc744 \uc90d\ub2c8\ub2e4. \uc5b4\ub5a4 \uc571\uc740 \uce5c\uad6c\uac00 \ubb3c\uc744 \ub354 \ub9c8\uc2dc\ub77c\uace0 \uc54c\ub824\uc8fc\ub294 \uac83\ucc98\ub7fc, \ub11b\uc9c0(Nudge) \uae30\ub2a5\ub3c4 \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/p>\n<p>\ucc45\uc784\uac10 \uc788\ub294 \ud30c\ud2b8\ub108\ub294 \ub610 \ub2e4\ub978 \uce35\uc744 \ub354\ud569\ub2c8\ub2e4. \ubc30\uc6b0\uc790, \ubd80\ubaa8, \ub610\ub294 \uce5c\uad6c\uc640 \ubaa9\ud45c\ub97c \uacf5\uc720\ud558\uba74 \ub9c8\uce58 \uc6b4\ub3d9 \uc138\uc158\uc744 \uc704\ud574 \ud300\uc744 \uc774\ub8e8\ub294 \uac83\ucc98\ub7fc \uacc4\ud68d\uc744 \uace0\uc218\ud560 \uac00\ub2a5\uc131\uc774 \ub354 \ub192\uc544\uc9d1\ub2c8\ub2e4. \uc9c4\ud589 \uc0c1\ud669\uc744 \uacf5\uc720\ud558\uba74 \ub354 \ud070 \ub3d9\uae30 \ubd80\uc5ec\uac00 \ub418\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ucc28\ud2b8, \uc0c9\uce60 \uacf5\ubd80, \ubcd1\uacfc \uac19\uc740 \uc2dc\uac01\uc801 \ucd94\uc801 \ub3c4\uad6c\ub294 \uc9c4\ud589 \uc0c1\ud669\uc744 \ub208\uc73c\ub85c \ud655\uc778\ud558\uace0 \ucd95\ud558\ud558\ub294 \uc758\ubbf8\ub85c \ubc14\uafd4\uc90d\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc544\ub0a0\ub85c\uadf8\uc801\uc778 \uc54c\ub9bc\uc740 \uc571\uc5d0\uc11c\ub294 \ub193\uce58\uae30 \uc26c\uc6b4 \uc88b\uc740 \uc2b5\uad00\uc744 \uae38\ub7ec\uc90d\ub2c8\ub2e4.<\/p>\n<p>\uce5c\uad6c\ub4e4\uacfc \ud53c\ud06c\ub2c9\uc744 \uacc4\ud68d\ud55c\ub2e4\uace0 \uc0c1\uc0c1\ud574 \ubcf4\uc138\uc694. \ub0a0\uc528\ub97c \ud655\uc778\ud558\uace0, \uc2e0\uc911\ud558\uac8c \uc9d0\uc744 \ucc59\uae30\uace0, \uc9d0\uc744 \ub098\ub220 \ucc59\uae38 \uac81\ub2c8\ub2e4. \uc7ac\uc815 \ubaa9\ud45c \uc124\uc815\ub3c4 \uc774\uc640 \uac19\uc740 \uc9c1\uc811\uc801\uc774\uace0 \ud611\ub825\uc801\uc778 \uc811\uadfc \ubc29\uc2dd\uc744 \ud1b5\ud574 \uc774\uc810\uc744 \uc5bb\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<h2>\uc9c0\uc18d \uac00\ub2a5\ud55c \ubc1c\uc804\uc744 \ub4b7\ubc1b\uce68\ud558\ub294 \uc2b5\uad00\uacfc \uc0ac\uace0\ubc29\uc2dd<\/h2>\n<ul>\n<li>\ud070 \ubaa9\ud45c\ub97c \uad00\ub9ac \uac00\ub2a5\ud55c \ub2e8\uacc4\ub85c \ub098\ub204\uc138\uc694. \uc5c4\uccad\ub09c \ub3c4\uc57d\uc73c\ub85c \uc778\ud55c \uc18c\uc9c4\uc744 \ud53c\ud558\uc138\uc694.<\/li>\n<li>\uac00\ub2a5\ud558\uba74 \uc790\ub3d9\ud654\ub41c \uc800\ucd95\uc744 \uc2e4\ucc9c\ud558\uc138\uc694. \uc720\ud639\uc744 \uc904\uc774\uace0 \uc77c\uad00\uc131\uc744 \ub192\uc774\ub824\uba74 \uc800\ucd95\uc744 \uc124\uc815\ud558\uace0 \uc78a\uc5b4\ubc84\ub9ac\uc138\uc694.<\/li>\n<li>\uc815\uae30\uc801\uc73c\ub85c \uc9c4\ud589 \uc0c1\ud669\uc744 \uac80\ud1a0\ud558\uace0, \ubaa9\ud45c\ub97c \ub2ec\uc131\ud558\uae30 \uc704\ud574 \ud544\uc694\ud55c \uacbd\uc6b0 \uc804\ub7b5\uc744 \uc870\uc815\ud558\uc138\uc694.<\/li>\n<li>\uc88c\uc808\uc744 \ubc30\uc6b0\ub294 \uc21c\uac04\uc73c\ub85c \ubc1b\uc544\ub4e4\uc774\uc138\uc694. \uc644\ubcbd\ud568\uc740 \ub4dc\ubb3c\uace0, \uc9c4\uc804\uc774 \ub354 \uc911\uc694\ud569\ub2c8\ub2e4.<\/li>\n<li>\ub354 \ub098\uc740 \uc804\ub7b5\uc5d0 \ub300\ud55c \ud638\uae30\uc2ec\uc744 \uc720\uc9c0\ud558\uc138\uc694. \uc77d\uace0, \uc9c8\ubb38\ud558\uace0, \ubcc0\ud654\ud558\ub294 \uc0c1\ud669\uc5d0 \uc801\uc751\ud558\uc138\uc694.<\/li>\n<li>\uc911\uc694\ud55c \uc774\uc815\ud45c\ub97c \ucd95\ud558\ud558\uace0 \ub192\uc740 \uc5d0\ub108\uc9c0\ub97c \uc720\uc9c0\ud558\uc138\uc694. \uac01 \ubaa9\ud45c\ub97c \ub2ec\uc131\ud560 \ub54c\ub9c8\ub2e4 \uc790\uc2e0\uc5d0\uac8c \ubcf4\uc0c1\uc744 \uc8fc\uc138\uc694.<\/li>\n<li>\uc0b6\uc774\ub098 \uc6b0\uc120\uc21c\uc704\uac00 \ubc14\ub00c\uba74 \ubaa9\ud45c\ub97c \uc7ac\ud3c9\uac00\ud558\uc138\uc694. \uc720\uc5f0\uc131\uc740 \uacc4\ud68d\uc744 \ud604\uc2e4\uc801\uc774\uace0 \uad00\ub828\uc131 \uc788\uac8c \uc720\uc9c0\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p>\uc704\uc758 \uc2b5\uad00\ub4e4\uc740 SMART \ubaa9\ud45c \uc124\uc815\uc744 \ub354\uc6b1 \uc9c0\uc18d \uac00\ub2a5\ud558\uac8c \ub9cc\ub4e4\uc5b4 \uc90d\ub2c8\ub2e4. \uc77c\uc2dc\uc801\uc778 \ub3d9\uae30\ub97c \uc77c\uc0c1\uc801\uc778 \ud589\ub3d9\uc73c\ub85c \uc804\ud658\ud558\uc5ec \uacc4\ud68d\uc744 \uc801\uc751\uc801\uc774\uace0 \uc548\uc815\uc801\uc73c\ub85c \uc720\uc9c0\ud560 \uc218 \uc788\ub3c4\ub85d \ub3c4\uc640\uc90d\ub2c8\ub2e4.<\/p>\n<p>\uc815\uc6d0\uc744 \uac00\uafb8\ub294 \uac83\uacfc \uac19\uc2b5\ub2c8\ub2e4. \uafb8\uc900\ud55c \uad00\uc2ec, \uc801\uc808\ud55c \uc870\uc815, \uadf8\ub9ac\uace0 \ub178\ub825\uc774 \uaf43\ud53c\ub294 \ubaa8\uc2b5\uc744 \uc9c0\ucf1c\ubcf4\uba70 \uc791\uc740 \ucd95\ud558\ub97c \ub098\ub204\ub294 \uac83\uc774\uc8e0. \uc9c0\uc18d \uac00\ub2a5\ud55c \uc7ac\uc815 \uac74\uc804\uc131\uc740 \uc77c\ud68c\uc131 \ub178\ub825\ubcf4\ub2e4\ub294 \uafb8\uc900\ud55c \uc2b5\uad00\uc5d0\uc11c \ube44\ub86f\ub429\ub2c8\ub2e4.<\/p>\n<h2>\uc7ac\uc815 \ubaa9\ud45c \uacb0\uacfc \ube44\uad50: \uba85\ud655\ud55c \uacc4\ud68d vs. \uc815\uc758\ub418\uc9c0 \uc54a\uc740 \uacc4\ud68d<\/h2>\n<p>SMART \uc800\ucd95 \uacc4\ud68d\uc744 \uc138\uc6b4 \uc54c\ub809\uc2a4\uc640 &quot;\ub0a8\uc740 \ub3c8&quot;\uc744 \ubaa8\uc544\ub454 \ubbf8\uc544\ub97c \ube44\uad50\ud574 \ubcf4\uc138\uc694. \uc54c\ub809\uc2a4\ub294 6\uac1c\uc6d4 \ub9cc\uc5d0 \ube44\uc0c1 \uc790\uae08 \ubaa9\ud45c\ub97c \ub2ec\uc131\ud588\uace0, \uadf8 \uacfc\uc815\uc5d0\uc11c \uc2a4\ud2b8\ub808\uc2a4\uc640 \ubd88\ud655\uc2e4\uc131\ub3c4 \ud6e8\uc52c \uc904\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ubbf8\uc544\uc758 \ucc28\uac00 \uace0\uc7a5 \ub098\uba74 \uadf8\ub140\ub294 \ud5c8\ub465\uc9c0\ub465 \ud604\uae08\uc744 \ucc3e\uc558\uace0, \ub54c\ub85c\ub294 \uc2e0\uc6a9\uce74\ub4dc\ub97c \uc0ac\uc6a9\ud558\uba70 \ub354 \ubd88\uc548\ud574\uc84c\uc2b5\ub2c8\ub2e4. \ubaa8\ud638\ud55c \uc811\uadfc \ubc29\uc2dd\uc740 \uc608\uce21 \ubd88\uac00\ub2a5\ud55c \uc9c4\uc804\uacfc \ub354 \ud070 \ub180\ub77c\uc6c0\uc744 \uc758\ubbf8\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uacc4\ud68d\uc740 \uc790\uc2e0\uac10\uc744 \ud0a4\uc6cc\uc90d\ub2c8\ub2e4. \uacc4\ud68d\uc774 \uc5c6\uc73c\uba74 \uc88c\uc808\uc774 \uc7a6\uc544\ub4e4\uace0, \uc88b\uc740 \uc2b5\uad00\uc740 \uad73\uac74\ud788 \uc790\ub9ac \uc7a1\uae30 \uc5b4\ub835\uc2b5\ub2c8\ub2e4. \uac15\ub825\ud558\uace0 \uba85\ud655\ud55c \ubaa9\ud45c\uac00 \uc778\uc0dd\uc758 \uc608\uc0c1\uce58 \ubabb\ud55c \uc77c\ub4e4\uc744 \uc644\uc804\ud788 \uc5c6\uc560\uc9c0\ub294 \ubabb\ud558\uc9c0\ub9cc, \ub9c8\uce58 \uc9c0\ub3c4\ub97c \ub4e4\uace0 \uc5ec\ud589\ud558\ub294 \uac83\uacfc \uac19\uc2b5\ub2c8\ub2e4. circling(\uc6d0\ud615\uc744 \ub9f4\ub3c4\ub294 \uac83)\ud558\ub294 \ub300\uc2e0 \ub9d0\uc774\uc8e0.<\/p>\n<h2>SMART \uc7ac\uc815 \ub85c\ub4dc\ub9f5\uc744 \uc2e4\uc81c \uc5c5\ubb34\uc5d0 \uc801\uc6a9\ud558\uae30<\/h2>\n<p>\ubaa8\ub4e0 \uc704\ub300\ud55c \uc5ec\uc815\uc740 \ud55c \uac78\uc74c\ubd80\ud130 \uc2dc\uc791\ud558\uc9c0\ub9cc, \uc9c0\ub3c4\ub294 \uc62c\ubc14\ub978 \uac78\uc74c\uc744 \ub0b4\ub51b\ub3c4\ub85d \ub3c4\uc640\uc90d\ub2c8\ub2e4. \uc7ac\uc815\uc5d0 SMART \ud504\ub808\uc784\uc6cc\ud06c\ub97c \uc801\uc6a9\ud558\uba74 \ub354 \uc5f4\uc2ec\ud788, \ub354 \uc624\ub798 \uc77c\ud558\ub294 \uac83\uc774 \uc544\ub2c8\ub77c \ub354 \ud604\uba85\ud558\uac8c \uc77c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ubc30\uc6b4 \ub0b4\uc6a9\uc744 \ub2e4\uc2dc \ud55c\ubc88 \uc815\ub9ac\ud574 \ubcf4\uc138\uc694. \uad6c\uccb4\uc131, \uce21\uc815, \ud604\uc2e4\uc131, \uad00\ub828\uc131, \uadf8\ub9ac\uace0 \ud0c0\uc774\ubc0d\uc740 \uba85\ud655\uc131\uc744 \uac00\uc838\uc635\ub2c8\ub2e4. \uc0b0\ub9cc\ud55c \ubaa9\ud45c\ub97c \ubaa9\uc801 \uc758\uc2dd\uc774 \ub69c\ub837\ud55c \ub85c\ub4dc\ub9f5\uacfc \ube44\uad50\ud574 \ubcf4\uc138\uc694. \ud544\uc694\uc5d0 \ub530\ub77c \ubcc0\ud654\ud558\uc9c0\ub9cc \uacb0\ucf54 \ucd94\uce21\uc744 \uac15\uc694\ud558\uc9c0 \uc54a\ub294 \ub85c\ub4dc\ub9f5\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc7ac\uc815 \ubaa9\ud45c\ub294 \uc800\uc808\ub85c \uc774\ub8e8\uc5b4\uc9c0\ub294 \uac83\uc774 \uc544\ub2d9\ub2c8\ub2e4. \ubc29\ud5a5\uacfc \uc810\uac80\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uc548\uc815\uac10\uacfc \ub9cc\uc871\uc744 \uc704\ud574 \uac01 \uacc4\ud68d\uc744 \uc2b5\uad00, \uc77c\uc0c1, \uadf8\ub9ac\uace0 \uc9c4\ud589 \uc0c1\ud669 \uac80\ud1a0\uc640 \uc5f0\uacc4\ud558\uc138\uc694. \uc791\uc740 \uc774\uc815\ud45c\ub97c \ucd95\ud558\ud558\uace0, \uc5b4\ub824\uc6c0\uc5d0 \ubd80\ub52a\ud788\uba74 \ub2e4\uc2dc \uacc4\uc0b0\ud560 \uc900\ube44\ub97c \ud558\uc138\uc694.<\/p>\n<p>\ubbff\uc74c\uc9c1\ud55c \uc2b5\uad00\uc744 \uae30\ub974\uace0, \ucc45\uc784\uac10\uc744 \uac16\uace0, \ubaa9\ud45c\ub97c \uafb8\uc900\ud788 \uc5c5\ub370\uc774\ud2b8\ud558\uba74 \uc5ec\uc815\uc774 \ubcf4\ub78c \uc788\uac8c \ub290\uaef4\uc9d1\ub2c8\ub2e4. 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