{"id":147,"date":"2025-08-16T04:46:00","date_gmt":"2025-08-16T04:46:00","guid":{"rendered":"https:\/\/thequickwise.com\/how-to-read-and-understand-a-pay-stub\/"},"modified":"2026-01-29T18:53:49","modified_gmt":"2026-01-29T18:53:49","slug":"how-to-read-and-understand-a-pay-stub","status":"publish","type":"post","link":"https:\/\/thequickwise.com\/ko\/how-to-read-and-understand-a-pay-stub\/","title":{"rendered":"\uae09\uc5ec \uba85\uc138\uc11c\ub97c \uc77d\uace0 \uc774\ud574\ud558\ub294 \ubc29\ubc95"},"content":{"rendered":"<p><!-- Introduction --><\/p>\n<p>\uae09\uc5ec \uba85\uc138\uc11c\ub97c \ubcf4\uace0 \ub2f9\ud669\ud588\ub358 \uc801\uc774 \uc788\ub2e4\uba74, \ub2f9\uc2e0\ub9cc \uadf8\ub7f0 \uac8c \uc544\ub2d9\ub2c8\ub2e4. \uc22b\uc790, \ucf54\ub4dc, \uacf5\uc81c \ub0b4\uc5ed\uc774 \uc904\uc904\uc774 \uc801\ud78c \uadf8 \uc11c\ub958\ub4e4\uc740 \ub9c8\uce58 \ube44\ubc00 \uc5b8\uc5b4\ucc98\ub7fc \ubcf4\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc5d0\uac8c \uc774 \uc11c\ub958\ub294 \uc911\uc694\ud558\uba74\uc11c\ub3c4 \uc774\ud574\ud558\uae30 \uc5b4\ub824\uc6b4 \ubb38\uc11c\uc785\ub2c8\ub2e4.<\/p>\n<p>\uae09\uc5ec \uba85\uc138\uc11c\ub97c \uc774\ud574\ud558\ub294 \uac83\uc740 \uc7ac\uc815 \uad00\ub9ac, \uc624\ub958 \ubc1c\uacac, \uadf8\ub9ac\uace0 \uc815\ud655\ud55c \uae09\uc5ec \uc9c0\uae09\uc744 \uc704\ud574 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \ub300\ubd80\ubd84\uc758 \uc0ac\ub78c\ub4e4\uc740 \uac01 \ubd80\ubd84\uc758 \uc758\ubbf8\ub97c \uba85\ud655\ud558\uac8c \uc774\ud574\ud558\uc9c0 \ubabb\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc9c0\uc2dd\uc740 \uc8fc\uae09, \uaca9\uc8fc\uae09, \uc6d4\uae09 \uc5ec\ubd80\uc5d0 \uad00\uacc4\uc5c6\uc774 \uc720\uc6a9\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc774 \uc885\ud569 \uac00\uc774\ub4dc\uc5d0\uc11c\ub294 \uc77c\ubc18\uc801\uc778 \uae09\uc5ec \uba85\uc138\uc11c\uc758 \uac01 \ubd80\ubd84\uc744 \uc2e4\uc81c \uc0ac\ub840, \ube44\uad50, \uadf8\ub9ac\uace0 \uad00\ub828 \uc2dc\ub098\ub9ac\uc624\ub97c \ud1b5\ud574 \uc790\uc138\ud788 \ubd84\uc11d\ud574 \ub4dc\ub9bd\ub2c8\ub2e4. \uba85\ud655\uc131\uc744 \ud655\ubcf4\ud558\uace0, \ubb38\uc81c\uc810\uc744 \ud30c\uc545\ud558\uace0, \uc218\uc785 \ucd94\uc801\uc744 \ud6a8\uc728\uc801\uc73c\ub85c \uad00\ub9ac\ud560 \uc900\ube44\ub97c \ud558\uc138\uc694.<\/p>\n<h2>\uae09\uc5ec \uba85\uc138\uc11c \ub514\ucf54\ub529: \uac01 \uc139\uc158 \uc124\uba85<\/h2>\n<p>\uae09\uc5ec \uba85\uc138\uc11c\ub294 \uc21c\uae09\uc5ec \uadf8 \uc774\uc0c1\uc758 \uac00\uce58\ub97c \uc9c0\ub2d9\ub2c8\ub2e4. \ub2f9\uc2e0\uc758 \ub178\uace0, \uc138\uae08, \uadf8\ub9ac\uace0 \ubcf5\ub9ac\ud6c4\uc0dd\uc5d0 \ub300\ud55c \ubaa8\ub4e0 \uac83\uc744 \ud55c\ub208\uc5d0 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4. \uac01 \ud56d\ubaa9\uc744 \uc790\uc138\ud788 \uc0b4\ud3b4\ubcf4\uba74 \uc218\uc785\uc744 \ud655\uc2e4\ud558\uac8c \uad00\ub9ac\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uae09\uc5ec \uba85\uc138\uc11c\ub97c \uc2dd\ub8cc\ud488 \uc601\uc218\uc99d\uc774\ub77c\uace0 \uc0dd\uac01\ud574 \ubcf4\uc138\uc694. \uac01 \ud56d\ubaa9\uc5d0\ub294 \ubc1b\uc740 \uae08\uc561\uacfc \uacf5\uc81c\ub41c \uae08\uc561\uc5d0 \ub300\ud55c \ub0b4\uc5ed\uc774 \ud45c\uc2dc\ub418\uc5b4 \uc788\uc73c\ubbc0\ub85c \uc9c0\uac11\uc5d0\uc11c \ub098\uac00\ub294 \ubaa8\ub4e0 \uc13c\ud2b8\ub97c \ud655\uc778\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<ul>\n<li><strong>\uc9c1\uc6d0 \uc815\ubcf4:<\/strong> \uae09\uc5ec \uae30\ub85d\uc758 \uc815\ud655\uc131\uc744 \uc704\ud574 \uc774\ub984, \uc8fc\uc18c \ubc0f \uc2dd\ubcc4 \uc815\ubcf4\uac00 \ud3ec\ud568\ub429\ub2c8\ub2e4.<\/li>\n<li><strong>\uae09\uc5ec \uae30\uac04:<\/strong> \uae09\uc5ec\ub97c \uc9c0\uae09\ubc1b\ub294 \uad6c\uccb4\uc801\uc778 \ub0a0\uc9dc\ub97c \ud45c\uc2dc\ud558\uc5ec \ucd08\uacfc \uadfc\ubb34\uc640 \ud734\uac00\ub97c \ucd94\uc801\ud558\ub294 \ub370 \uc720\uc6a9\ud569\ub2c8\ub2e4.<\/li>\n<li><strong>\ucd1d \uae09\uc5ec:<\/strong> \uc784\uae08\uc774\ub098 \uae09\uc5ec \uacc4\uc57d\uc5d0 \ub530\ub978 \uacf5\uc81c \uc804 \ucd1d \uc218\uc785\uc785\ub2c8\ub2e4.<\/li>\n<li><strong>\uacf5\uc81c \ud56d\ubaa9:<\/strong> \uc62c\ubc14\ub978 \uacf5\uc81c\ub97c \ubcf4\uc7a5\ud558\ub294 \ub370 \uc911\uc694\ud55c \uc138\uae08, \ud61c\ud0dd \ubc0f \uae30\ud0c0 \uc6d0\ucc9c\uc9d5\uc218 \uae08\uc561\uc744 \ub098\uc5f4\ud569\ub2c8\ub2e4.<\/li>\n<li><strong>\uc21c\uae09\uc5ec:<\/strong> \uc2e4\uc81c\ub85c \ubc1b\ub294 \uae08\uc561\uc740 \uacf5\uc81c \ud6c4 \uc2e4\uc81c \ubc1b\ub294 \uae08\uc561\uc785\ub2c8\ub2e4.<\/li>\n<li><strong>\uc5f0\ucd08\ubd80\ud130 \ud604\uc7ac\uae4c\uc9c0(YTD):<\/strong> \ub2f9\ud574 \uc5f0\ub3c4\uc758 \ub204\uc801 \uc218\uc785\uacfc \uacf5\uc81c\uc561\uc744 \ucd94\uc801\ud558\uc5ec \uc7ac\uc815 \uacc4\ud68d\uc5d0 \uc720\uc6a9\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p>\uc774\ub7ec\ud55c \uac01 \uc139\uc158\uc744 \uc774\ud574\ud558\ub294 \uac83\uc740 \ubcf4\uc0c1\uc774 \uc815\ud655\ud55c\uc9c0 \ud655\uc778\ud558\uace0, \ud22c\uba85\uc131\uc744 \ubcf4\uc7a5\ud558\uace0, \ub098\uc911\uc5d0 \ube44\uc6a9\uc774 \ub9ce\uc774 \ub4dc\ub294 \uc2e4\uc218\ub97c \ud53c\ud558\ub294 \ub370 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n<h2>\ucd1d \uae09\uc5ec\uac00 \uc2e4\uc81c\ub85c \ub2f9\uc2e0\uc5d0\uac8c \uc54c\ub824\uc8fc\ub294 \uac83<\/h2>\n<p>\ucd1d\uae09\uc5ec\ub294 \ubaa8\ub4e0 \uae09\uc5ec \uba85\uc138\uc11c \uacc4\uc0b0\uc758 \uc2dc\uc791\uc810\uc744 \ud615\uc131\ud558\uba70 \uc138\uae08\uc774\ub098 \uacf5\uc81c\uc561\uc774 \uc801\uc6a9\ub418\uae30 \uc804\uc758 \ucd1d \uc5c5\ubb34 \uac00\uce58\ub97c \ub098\ud0c0\ub0c5\ub2c8\ub2e4.<\/p>\n<p>\uc608\ub97c \ub4e4\uc5b4, \uc54c\ub809\uc2a4\uac00 \uc2dc\uac04\ub2f9 $20\uc744 \ubc1b\uace0 80\uc2dc\uac04 \uc77c\ud588\ub2e4\uace0 \uac00\uc815\ud574 \ubcf4\uaca0\uc2b5\ub2c8\ub2e4. \uadf8 \uae30\uac04 \ub3d9\uc548\uc758 \ucd1d\uae09\uc5ec\ub294 $1,600\uc774 \ub429\ub2c8\ub2e4. \uc774\ub97c \uc6d4\uae09 $3,000\uc744 \ubc1b\ub294 \uc81c\uc774\ubbf8\uc640 \ube44\uad50\ud574 \ubcf4\uc138\uc694. \uc81c\uc774\ubbf8\uc758 \ucd1d\uae09\uc5ec\ub294 \uae09\uc5ec \uc9c0\uae09\uc77c\ub9c8\ub2e4 \ud06c\uac8c \ubcc0\ub3d9\ud558\uc9c0 \uc54a\uc744 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\ucd08\uacfc \uadfc\ubb34, \uc218\uc218\ub8cc \ub610\ub294 \ubcf4\ub108\uc2a4\uac00 \ud3ec\ud568\ub41c \uacbd\uc6b0 \ucd1d\uae09\uc5ec\ub294 \ubcc0\ub3d9\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. Sarah\uc758 \ucd1d\uae09\uc5ec\ub294 \ud734\uc77c \ucd08\uacfc \uadfc\ubb34\ub85c \uc778\ud574 12\uc6d4\uc5d0 \uc99d\uac00\ud588\uc9c0\ub9cc, Kevin\uc758 \ucd1d\uae09\uc5ec\ub294 \ubb34\uae09 \ud734\uac00\ub85c \uc778\ud574 \ud55c \ub2ec \ub3d9\uc548 \uac10\uc18c\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ucd1d\uae09\uc5ec\uac00 \uc2dc\uae09\uc774\ub098 \uae09\uc5ec \uacc4\uc57d\uacfc \uc77c\uce58\ud558\ub294\uc9c0 \ud655\uc778\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \ucd08\uacfc \uadfc\ubb34 \ub204\ub77d\uacfc \uac19\uc740 \uc0ac\uc18c\ud55c \uc2e4\uc218 \ud558\ub098\ub9cc\uc73c\ub85c\ub3c4 \uacf5\uc81c\uc561\uc744 \ubc1b\uae30\ub3c4 \uc804\uc5d0 \ub204\uc801\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uae09\uc5ec \uba85\uc138\uc11c \uac80\ud1a0\ub97c \uc2dc\uc791\ud560 \ub54c\ub294 \ud56d\uc0c1 \ucd1d\uae09\uc5ec\ubd80\ud130 \uac80\ud1a0\ud558\uc138\uc694. \uc774\ub807\uac8c \ud558\uba74 \uadc0\ud558\uc758 \ub178\uace0\uac00 \uc628\uc804\ud788 \uc778\uc815\ubc1b\uc744 \uc218 \uc788\uc73c\uba70, \uc774\ub294 \uadc0\ud558\uac00 \uc9d1\uc73c\ub85c \uac00\uc838\uc624\ub294 \ubaa8\ub4e0 \ub2ec\ub7ec\uc758 \uae30\ucd08\uac00 \ub429\ub2c8\ub2e4.<\/p>\n<h2>\uc21c\uae09\uc5ec\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce58\ub294 \uacf5\uc81c \ud56d\ubaa9<\/h2>\n<p>\uacf5\uc81c \ud56d\ubaa9\uc740 \ucd1d\uae09\uc5ec\uac00 \uc21c\uae09\uc5ec\ub85c \uc904\uc5b4\ub4dc\ub294 \ubd80\ubd84\uc785\ub2c8\ub2e4. \uac01 \uacf5\uc81c \ud56d\ubaa9\uc744 \uc774\ud574\ud558\uba74 \uc18c\ub4dd\uc774 \uc5b4\ub514\uc5d0 \uc4f0\uc774\uace0 \ub354 \uad11\ubc94\uc704\ud55c \uc81c\ub3c4\uc640 \ubcf5\ub9ac\ud6c4\uc0dd\uc5d0 \uc5b4\ub5bb\uac8c \uae30\uc5ec\ud558\ub294\uc9c0 \uc54c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<ol>\n<li><strong>\uc5f0\ubc29\uc18c\ub4dd\uc138:<\/strong> \uc18c\ub4dd \ubc0f \uc138\uc728 \uad6c\uac04\uc5d0 \ub530\ub77c \uacc4\uc0b0\ub429\ub2c8\ub2e4. \ub3d9\uc77c\ud55c \uae09\uc5ec\ub97c \ubc1b\ub294 \ub450 \uc9c1\uc6d0\uc774 \uc6d0\ucc9c\uc9d5\uc218 \uacf5\uc81c \ub54c\ubb38\uc5d0 \ub2e4\ub978 \uc138\uc728\uc744 \ub0a9\ubd80\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li><strong>\uc8fc \ubc0f \uc9c0\ubc29\uc138:<\/strong> \ubaa8\ub4e0 \uc8fc\uac00 \uc18c\ub4dd\uc138\ub97c \ubd80\uacfc\ud558\ub294 \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ud14d\uc0ac\uc2a4 \uadfc\ub85c\uc790\ub294 \uc8fc\uc138\uac00 \ubd80\uacfc\ub418\uc9c0 \uc54a\uc9c0\ub9cc \uce98\ub9ac\ud3ec\ub2c8\uc544 \uadfc\ub85c\uc790\ub294 \ubd80\uacfc\ub420 \uc218 \uc788\uc73c\ubbc0\ub85c \uac70\uc8fc \uc9c0\uc5ed\uc758 \uc815\ucc45\uc744 \ud655\uc778\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/li>\n<li><strong>\uc0ac\ud68c \ubcf4\uc7a5:<\/strong> \uc77c\ubc18\uc801\uc73c\ub85c 6.2%\uc758 \uc77c\uc815 \ube44\uc728\uc774 \ud1f4\uc9c1 \ubc0f \uc7a5\uc560 \uc218\ub2f9\uc73c\ub85c \uc9c0\uc6d0\ub429\ub2c8\ub2e4. \uace0\uc6a9\uc8fc\ub294 \uadc0\ud558\uc758 \uae30\uc5ec\uae08\uc5d0 \ub9de\ucdb0 \uc9c0\uc6d0\ud558\uc5ec \uadc0\ud558\uc758 \ubbf8\ub798\ub97c \uc704\ud574 \uc9c0\uae09\ub418\ub294 \uae08\uc561\uc744 \uc0ac\uc2e4\uc0c1 \ub450 \ubc30\ub85c \ub298\ub824\uc90d\ub2c8\ub2e4.<\/li>\n<li><strong>\uba54\ub514\ucf00\uc5b4:<\/strong> \ucd1d\uae09\uc5ec\uc758 1.45%\uc5d0 \ud574\ub2f9\ud558\ub294 \uba54\ub514\ucf00\uc5b4\ub294 \ub178\ub144\uc758 \uac74\uac15 \uad00\ub9ac\ub97c \uc9c0\uc6d0\ud569\ub2c8\ub2e4. \uc0ac\ud68c\ubcf4\uc7a5\uc5f0\uae08\uacfc \ub9c8\ucc2c\uac00\uc9c0\ub85c \uace0\uc6a9\uc8fc\ub3c4 \ub3d9\ub4f1\ud558\uac8c \ubd80\ub2f4\ud569\ub2c8\ub2e4.<\/li>\n<li><strong>\uac74\uac15 \ubcf4\ud5d8\ub8cc:<\/strong> \uace0\uc6a9\uc8fc\uc758 \uac74\uac15 \ubcf4\ud5d8\uc5d0 \uac00\uc785\ud558\uba74 \ubcf4\ud5d8\ub8cc\uac00 \uc138\uc804\uc73c\ub85c \uacf5\uc81c\ub418\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc544 \uacfc\uc138 \uc18c\ub4dd\uc740 \uc904\uc5b4\ub4e4\uc9c0\ub9cc \uc2e4\uc218\ub839\uc561\uc5d0\ub3c4 \uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4.<\/li>\n<li><strong>\ud1f4\uc9c1\uc5f0\uae08 \uae30\uc5ec\uae08:<\/strong> 401(k) \ub610\ub294 \uc5f0\uae08\uc5d0 \ub300\ud55c \uae30\uc5ec\uae08\uc740 \uc5ec\uae30\uc5d0\uc11c \uc6d0\ucc9c\uc9d5\uc218\ub418\uc5b4 \ubbf8\ub798\ub97c \uc704\ud55c \uc18c\ub4dd\uc744 \ub530\ub85c \ub9c8\ub828\ud569\ub2c8\ub2e4. \uace0\uc6a9\uc8fc\uac00 \uc774\uc5d0 \uc0c1\uc751\ud558\ub294 \uae08\uc561\uc744 \uc9c0\uae09\ud560 \uc218\ub3c4 \uc788\uace0 \uadf8\ub807\uc9c0 \uc54a\uc744 \uc218\ub3c4 \uc788\uc73c\ubbc0\ub85c \uc774 \ubd80\ubd84\uc744 \uc790\uc138\ud788 \ud655\uc778\ud558\uc2ed\uc2dc\uc624.<\/li>\n<li><strong>\uae30\ud0c0 \uacf5\uc81c:<\/strong> \ub54c\ub85c\ub294 \uc555\ub958\uae08, \ub178\uc870\ube44, \ub610\ub294 \uae30\ud0c0 \uc218\uc218\ub8cc\uac00 \ubd80\uacfc\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc775\uc219\ud558\uc9c0 \uc54a\uc740 \uacf5\uc81c \ud56d\ubaa9\uc744 \ubc1c\uacac\ud558\uba74 \uc989\uc2dc \uc870\uc0ac\ud558\uace0 \uae09\uc5ec \ub2f4\ub2f9\uc790\uc5d0\uac8c \ubb38\uc758\ud558\uc2ed\uc2dc\uc624.<\/li>\n<\/ol>\n<p>\uc774\ub7ec\ud55c \uacf5\uc81c \ud56d\ubaa9\uc744 \uac80\ud1a0\ud558\uba74 \uc6d0\ucc9c\uc9d5\uc218\uc561\uc744 \uad00\ub9ac\ud558\uace0, \ud61c\ud0dd\uc744 \uadf9\ub300\ud654\ud558\uace0, \uc2e4\uc218\ub098 \uc2b9\uc778\ub418\uc9c0 \uc54a\uc740 \uccad\uad6c\uac00 \uc870\uc6a9\ud788 \uc2e4\uc218\ub098 \uc2b9\uc778\ub418\uc9c0 \uc54a\uc740 \uccad\uad6c\ub85c \uc778\ud574 \uc2e4\uc218\ub098 \uc2b9\uc778\ub418\uc9c0 \uc54a\uc740 \uccad\uad6c\uac00 \uae09\uc5ec\uc5d0\uc11c \uc0ac\ub77c\uc9c0\uae30 \uc804\uc5d0 \ubc1c\uacac\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n<h2>\uc138\uc804 \uacf5\uc81c\uc640 \uc138\ud6c4 \uacf5\uc81c \ube44\uad50<\/h2>\n<p>\ubaa8\ub4e0 \uacf5\uc81c\uac00 \ub3d9\uc77c\ud558\uac8c \uc801\uc6a9\ub418\ub294 \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4. \uacf5\uc81c \uae08\uc561\uc774 \uc5b8\uc81c \ub098\uc624\ub294\uc9c0\uc5d0 \ub530\ub77c \uae09\uc5ec\uc640 \uc138\uae08\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5\uc774 \ub2ec\ub77c\uc9d1\ub2c8\ub2e4.<\/p>\n<p>401(k)(\uc138\uc804)\uc5d0 \ubd88\uc785\ud558\ub294 \uc81c\uc778\uacfc \ud5ec\uc2a4\uc7a5 \uba64\ubc84\uc2ed(\uc138\ud6c4)\uc5d0 \ubd88\uc785\ud558\ub294 \ub370\uc774\ube0c\ub97c \uc0dd\uac01\ud574 \ubcf4\uc138\uc694. \uc81c\uc778\uc758 \uacfc\uc138 \uc18c\ub4dd\uc774 \uac10\uc18c\ud558\uba74 \uc138\uae08 \ub4f1\uae09\uc774 \ub0ae\uc544\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub370\uc774\ube0c\ub294 \uc138\ud6c4 \uacf5\uc81c \ud61c\ud0dd\uc744 \ubc1b\uae30 \ub54c\ubb38\uc5d0 \ub2f9\uc7a5 \uc800\ucd95\ud560 \uc218 \uc788\ub294 \uae08\uc561\uc774 \uc904\uc5b4\ub4ed\ub2c8\ub2e4.<\/p>\n<table>\n<thead>\n<tr>\n<th>\uacf5\uc81c \uc720\ud615<\/th>\n<th>\uc608<\/th>\n<th>\uc138\uae08 \uc601\ud5a5<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\uc138\uc804<\/td>\n<td>401(k), \uac74\uac15 \ubcf4\ud5d8<\/td>\n<td>\uacfc\uc138\uc18c\ub4dd \uac10\uc18c, \uc2e4\uc218\uc785 \uc99d\uac00<\/td>\n<\/tr>\n<tr>\n<td>\uc138\ud6c4<\/td>\n<td>\ub178\uc870\ube44, \uc790\uc120 \uae30\ubd80\uae08<\/td>\n<td>\uacfc\uc138\uc18c\ub4dd\uc5d0 \uc601\ud5a5 \uc5c6\uc74c, \uc138\uae08 \ub0a9\ubd80 \ud6c4 \uc9c0\uae09<\/td>\n<\/tr>\n<tr>\n<td>\uc758\ubb34\uc801 \uc6d0\ucc9c\uc9d5\uc218<\/td>\n<td>\uc0ac\ud68c\ubcf4\uc7a5, \uc758\ub8cc\ubcf4\ud5d8<\/td>\n<td>\ubc95\ub960\uc5d0 \ub530\ub77c \uc815\ud574\uc9c4 \ube44\uc728<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\uc774 \ud45c\ub294 \uac01 \uacf5\uc81c\uac00 \uc21c\uae09\uc5ec\uc5d0 \uc5b4\ub5a4 \uc601\ud5a5\uc744 \ubbf8\uce58\ub294\uc9c0 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4. \uc138\uc804 \ud61c\ud0dd\uc744 \uc120\ud0dd\ud558\uba74 \ub354 \ud604\uba85\ud558\uac8c \uacc4\ud68d\uc744 \uc138\uc6b8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc138\uc804 \ud61c\ud0dd\uc744 \uc120\ud0dd\ud558\uba74 \ud604\uc7ac \uc8fc\uba38\ub2c8\uc5d0 \ub354 \ub9ce\uc740 \ub3c8\uc744 \ub123\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<h2>\uc5f0\ucd08\ubd80\ud130 \ud604\uc7ac\uae4c\uc9c0\uc758 \uc138\ubd80 \uc815\ubcf4: \ub204\uc801 \uc218\uc785 \ubc0f \uacf5\uc81c<\/h2>\n<p>\uc5f0\uac04 \ub204\uacc4(YTD) \uc218\uce58\ub294 \uae09\uc5ec \uc5f0\ub3c4 \ub3d9\uc548\uc758 \ub204\uc801\ub41c \uc5ec\uc815\uc744 \ubcf4\uc5ec\uc8fc\uba70, \uc218\uc785\uacfc \uacf5\uc81c\uc561\uc744 \ud569\uc0b0\ud558\uc5ec \ub354\uc6b1 \uba85\ud655\ud558\uace0 \uacc4\ud68d\uc801\uc778 \uacc4\ud68d\uc744 \uc138\uc6b8 \uc218 \uc788\ub3c4\ub85d \ud574\uc90d\ub2c8\ub2e4.<\/p>\n<p>\ud53c\ud2b8\ub2c8\uc2a4 \uc571\uc5d0\uc11c \uc9c4\ud589 \uc0c1\ud669\uc744 \ucd94\uc801\ud558\ub294 \uac83\uc744 \uc0c1\uc0c1\ud574 \ubcf4\uc138\uc694. YTD \uc5f4\ub3c4 \ube44\uc2b7\ud55c \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \uc62c\ud574 \ud604\uc7ac\uae4c\uc9c0\uc758 \ucd1d \uc218\uc785, \ub0a9\ubd80\ud55c \uc138\uae08, \ub610\ub294 \ud1f4\uc9c1 \uc5f0\uae08 \ub0a9\uc785\uc561\uc744 \ud655\uc778\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub204\uc801 \ud569\uacc4\ub97c \ud1b5\ud574 \ud070 \uc9c0\ucd9c\uc774\ub098 \uc6d0\ucc9c\uc9d5\uc218\uc561 \ubcc0\ub3d9\uc5d0 \ub300\ube44\ud558\uc5ec \uc608\uc0b0\uc744 \uc138\uc6b0\ub294 \uac83\uc774 \ub354 \uc26c\uc6cc\uc9d1\ub2c8\ub2e4.<\/p>\n<p>YTD \uc0ac\ud68c\ubcf4\uc7a5 \uae30\uc5ec\uae08\uc774 \uc774\ubbf8 \uc5f0\uac04 \ud55c\ub3c4\uc5d0 \uadfc\uc811\ud55c \uacbd\uc6b0, \ud5a5\ud6c4 \uae09\uc5ec\uc5d0\uc11c \ucd94\uac00\ub85c \uacf5\uc81c\ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. YTD\ub294 \uac11\uc790\uae30 \ub298\uc5b4\ub09c \uc21c \uc9c0\uae09\uc561\uc5d0 \ub300\ud55c \ud63c\ub780\uc744 \ubc29\uc9c0\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n<p>\uace0\uc6a9\uc8fc\ub294 \ubcf4\ub108\uc2a4 \uacc4\uc0b0, \uc138\uae08 \uacc4\ud68d, \ubcf5\ub9ac\ud6c4\uc0dd \uc790\uaca9 \uc2ec\uc0ac\uc5d0 YTD\ub97c \uc790\uc8fc \uc0ac\uc6a9\ud569\ub2c8\ub2e4. \uc774 \uc218\uce58\ub97c \uc774\uc804 \uc5f0\ub3c4\uc640 \ube44\uad50\ud558\uba74 \uc784\uae08 \uc778\uc0c1\uc774\ub098 \uc774\uc9c1\uc744 \uba85\ud655\ud788 \ud30c\uc545\ud560 \uc218 \uc788\uc73c\uba70, \uc774\ub97c \ud1b5\ud574 \uad6c\uccb4\uc801\uc778 \uc218\uce58\ub97c \ubc14\ud0d5\uc73c\ub85c \uacbd\ub825 \uc131\uc7a5\uc744 \ub4b7\ubc1b\uce68\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<h2>\ud575\uc2ec \uc6a9\uc5b4 \ubc0f \uc57d\uc5b4 \ud480\uc774<\/h2>\n<ul>\n<li>YTD \u2013 \uc5f0\uac04 \ub204\uacc4: \uc5f0\ucd08\ubd80\ud130 \ud604\uc7ac\uae4c\uc9c0\uc758 \ubaa8\ub4e0 \uc218\uc785\uacfc \uacf5\uc81c \ub0b4\uc5ed\uc744 \ucd94\uc801\ud569\ub2c8\ub2e4.<\/li>\n<li>FWT \u2013 \uc5f0\ubc29 \uc6d0\ucc9c\uc9d5\uc218\uc138: \uc5f0\ubc29 \uc18c\ub4dd\uc138\uc5d0 \ub300\ud574 \uc6d0\ucc9c\uc9d5\uc218\ub418\ub294 \uae08\uc561.<\/li>\n<li>SS \u2013 \uc0ac\ud68c \ubcf4\uc7a5: \uc0ac\ud68c \ubcf4\uc7a5 \ud504\ub85c\uadf8\ub7a8\uc5d0 \ub300\ud55c \uadc0\ud558\uc758 \uae30\uc5ec.<\/li>\n<li>MED \u2013 \uba54\ub514\ucf00\uc5b4 \uc138\uae08: \uba54\ub514\ucf00\uc5b4\uc5d0 \ub300\ud55c \ud544\uc218 \uae30\uc5ec\uae08\uc785\ub2c8\ub2e4.<\/li>\n<li>PTO \u2013 \uc720\uae09 \ud734\uac00: \ub204\uc801\ub418\uac70\ub098 \uc0ac\uc6a9\ub41c \uc720\uae09 \ud734\uac00\uc640 \uadf8 \uac00\uce58.<\/li>\n<li>401(k) \u2013 \uc740\ud1f4 \ud50c\ub79c: \uc790\ubc1c\uc801 \uc740\ud1f4 \uc800\ucd95 \ud50c\ub79c \uacf5\uc81c, \uc885\uc885 \uc138\uc804.<\/li>\n<li>\uac00\ub2c8\uc2dc\uba3c\ud2b8(Garn \u2013 \uc555\ub958): \ubc95\uc6d0 \uba85\ub839\uc5d0 \ub530\ub77c \uae09\uc5ec\uc5d0\uc11c \uacf5\uc81c\ud558\ub294 \uac83.<\/li>\n<\/ul>\n<p>\uc774\ub7ec\ud55c \uc57d\uc5b4\uc5d0 \uc775\uc219\ud574\uc9c0\uba74 \uae09\uc5ec \uba85\uc138\uc11c\uc758 \uc815\ud655\uc131\uc744 \ube60\ub974\uac8c \ud655\uc778\ud558\uace0 \uc7ac\uc815 \uacc4\ud68d\uc774\ub098 \uc138\ubb34 \uc870\uc0ac \uc2dc \uc9c8\ubb38\uc744 \uc608\uc0c1\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc774\ub7ec\ud55c \uc9c0\uc2dd\uc744 \ud1b5\ud574 \uac01 \uc6a9\uc5b4\uac00 \ubb34\uc5c7\uc744 \uc758\ubbf8\ud558\ub294\uc9c0 \uc815\ud655\ud788 \uc54c \uc218 \uc788\uc5b4 \uae09\uc5ec \ubd88\uc77c\uce58\ub97c \ub354 \ube68\ub9ac \ud574\uacb0\ud558\uace0, \uc2dc\uac04\uc744 \uc808\uc57d\ud558\uace0 \uc2a4\ud2b8\ub808\uc2a4\ub97c \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<h2>\uae09\uc5ec \uba85\uc138\uc11c \uc624\ub958\uac00 \ubc1c\uc0dd\ud558\ub294 \uacbd\uc6b0: \ubb34\uc5c7\uc774 \uc704\ud5d8\uc5d0 \ucc98\ud574 \uc788\uc2b5\ub2c8\uae4c?<\/h2>\n<p>\uae09\uc5ec \uba85\uc138\uc11c\uc758 \uc624\ub958\ub294 \ub2e8\uc21c\ud55c \uacc4\uc0b0 \uc624\ub958\ubd80\ud130 \uc138\uc728 \uc624\ub958, \ucd08\uacfc \uadfc\ubb34 \ub204\ub77d\uae4c\uc9c0 \ub2e4\uc591\ud569\ub2c8\ub2e4. \uc5ec\ub7ec \uae30\uac04\uc5d0 \uac78\uccd0 $200\uc758 \ubbf8\uc9c0\uae09 \uae09\uc5ec\ub97c \ubc1c\uacac\ud588\ub294\ub370, \ud655\uc778\ud558\uc9c0 \uc54a\uc73c\uba74 \uc138\uae08 \ub0a9\ubd80 \uae30\uac04\uc774 \ub418\uc5b4\uc11c\uc57c \uc54c\uc544\ucc28\ub9b4 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc5b4\ub5a4 \uc0ac\ub78c\ub4e4\uc740 \uc790\uc2e0\uc5d0\uac8c \uc801\uc6a9\ub418\uc9c0 \uc54a\ub294 \ucd94\uac00 \uacf5\uc81c \ud56d\ubaa9\uc744 \ubc1c\uacac\ud569\ub2c8\ub2e4. \ub610 \uc5b4\ub5a4 \uc0ac\ub78c\ub4e4\uc740 \uc720\uae09 \ud734\uac00 \uacc4\uc0b0\uc5d0\uc11c \ucc28\uc774\ub97c \ubc1c\uacac\ud569\ub2c8\ub2e4. \uc624\ub958\ub97c \ubbf8\ub9ac \ubc1c\uacac\ud558\uba74 \uc815\ub2f9\ud558\uac8c \ubc8c\uc5b4\ub4e4\uc778 \uae08\uc561\uc744 \ud655\ubcf4\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub418\uace0, \ub098\uc911\uc5d0 \ubcf5\uc7a1\ud55c \uc218\uc815 \uc791\uc5c5\uc744 \ud53c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ubb38\uc81c\uac00 \uc758\uc2ec\ub418\ub294 \uacbd\uc6b0, \ubb38\uc81c\ub97c \uae30\ub85d\ud558\uace0 \uae09\uc5ec \ub2f4\ub2f9\uc790\uc5d0\uac8c \uc989\uc2dc \uc54c\ub9ac\uc2ed\uc2dc\uc624. \uc801\uc808\ud55c \uc2dc\uae30\uc5d0 \ubb38\uc758\ud558\uba74 \ud658\uae09, \uc138\ubb34 \uc870\uc815, \ub610\ub294 \ubcf5\ub9ac\ud6c4\uc0dd \uacf5\uc81c \ub0b4\uc5ed \ud655\uc778 \ub4f1 \ub300\uac1c \uc88b\uc740 \uacb0\uacfc\ub97c \uc5bb\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubd84\uc7c1\uc744 \ud6a8\uc728\uc801\uc73c\ub85c \ud574\uacb0\ud558\ub824\uba74 \uba85\ud655\ud55c \uc758\uc0ac\uc18c\ud1b5\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n<h2>\uae09\uc5ec \uba85\uc138\uc11c \uc774\ud574\uc5d0 \ub300\ud55c \ub9c8\uc9c0\ub9c9 \uc0dd\uac01<\/h2>\n<p>\uae09\uc5ec \uba85\uc138\uc11c\ub97c \uc798 \uc774\ud574\ud558\uba74 \uc7ac\uc815\uc744 \uad00\ub9ac\ud558\uace0, \ucd5c\uc2e0 \uc815\ubcf4\ub97c \uc5bb\uace0, \uae09\uc5ec\uc640 \ud5a5\ud6c4 \ubcf5\ub9ac\ud6c4\uc0dd\uc744 \ubcf4\ud638\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ucd1d\uae09\uc5ec\ubd80\ud130 \uc5f0\uac04 \ucd1d\uc561\uae4c\uc9c0 \ubaa8\ub4e0 \ud56d\ubaa9\uc740 \uc7ac\uc815\uc801 \uc548\uc815\uacfc \ub9c8\uc74c\uc758 \ud3c9\ud654\uc5d0 \uc9c1\uc811\uc801\uc73c\ub85c \uc5f0\uacb0\ub429\ub2c8\ub2e4.<\/p>\n<p>\uc815\ud655\ud55c \uae09\uc5ec \uba85\uc138\uc11c\ub294 \uc624\ub958\ub97c \ud3ec\ucc29\ud558\uace0, \ud6a8\uacfc\uc801\uc73c\ub85c \uacc4\ud68d\uc744 \uc138\uc6b0\uace0, \ud569\ub9ac\uc801\uc778 \ubcf5\ub9ac\ud6c4\uc0dd \uacb0\uc815\uc744 \ub0b4\ub9ac\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4. \ub610\ud55c, \ud5a5\ud6c4 \uc138\uae08, \ud1f4\uc9c1\uc5f0\uae08, \ubcf4\ud5d8\ub8cc \ub4f1 \ub354 \ud070 \ubb38\uc81c\ub97c \uc608\ubc29\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ud2b9\uc815 \ud56d\ubaa9\uc774\ub098 \uacf5\uc81c\uc5d0 \ub300\ud574 \ud5f7\uac08\ub9ac\uc2dc\uba74 \uc5b8\uc81c\ub4e0\uc9c0 \uae09\uc5ec \ub2f4\ub2f9 \ubd80\uc11c\uc5d0 \ubb38\uc758\ud558\uc138\uc694. \uae09\uc5ec \uc9c0\uae09 \ubc29\uc2dd\uc744 \uc774\ud574\ud558\uace0 \ubaa8\ub4e0 \uae08\uc561\uc744 \uc815\ud655\ud558\uac8c \uacc4\uc0b0\ud560 \uad8c\ub9ac\ub294 \uc5ec\ub7ec\ubd84\uc758 \uad8c\ub9ac\uc785\ub2c8\ub2e4.<\/p>\n<p>\uae09\uc5ec \uba85\uc138\uc11c\ub97c \ub354 \ub9ce\uc774 \uc0b4\ud3b4\ubcfc\uc218\ub85d \ucd94\uc138\ub97c \ud30c\uc545\ud558\uace0, \uc218\uc785\uc744 \uc608\uce21\ud558\uace0, \uc790\uc2e0\uacfc \uac00\uc871\uc5d0\uac8c \uc774\uc775\uc774 \ub418\ub294 \uc870\uc815\uc744 \ud558\ub294 \uac83\uc774 \ub354 \uc26c\uc6cc\uc9d1\ub2c8\ub2e4.<\/p>\n<p>\uc9c0\uae08 \uae09\uc5ec \uba85\uc138\uc11c\ub97c \uc774\ud574\ud558\ub294 \ub370 \uc2dc\uac04\uc744 \ub4e4\uc774\uba74 \ud5a5\ud6c4 \uba87 \ub144 \ub3d9\uc548 \uc774\uc775\uc744 \ubcfc \uc218 \uc788\uc73c\uba70, \uc218\uc785\uc5d0 \ub300\ud55c \uc790\uc2e0\uac10\uacfc \uc7ac\uc815\uc801 \ubbf8\ub798\uc5d0 \ub300\ud55c \uba85\ud655\uc131\uc744 \uc5bb\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>","protected":false},"excerpt":{"rendered":"<p>\uae09\uc5ec \uba85\uc138\uc11c \ub54c\ubb38\uc5d0 \uace0\ubbfc\uc774\uc2e0\uac00\uc694? \uce5c\uc808\ud55c \uac00\uc774\ub4dc\ub97c \ud1b5\ud574 \uac01 \uc22b\uc790\uc758 \uc758\ubbf8\ub97c \uc54c\uc544\ubcf4\uace0 \uc18c\ub4dd, \uacf5\uc81c, \ubcf5\ub9ac\ud6c4\uc0dd\uc744 \uc81c\ub300\ub85c \uc774\ud574\ud574 \ubcf4\uc138\uc694.<\/p>","protected":false},"author":3,"featured_media":2153,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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