{"id":5075,"date":"2025-10-22T10:48:35","date_gmt":"2025-10-22T01:48:35","guid":{"rendered":"https:\/\/www.doochang.co.kr\/blog\/%ed%95%98%ed%94%84%eb%aa%a8%ec%96%b4-35%ec%96%b5-%ec%9b%90-%ed%88%ac%ec%9e%90-%ec%9c%a0%ec%b9%98%eb%a1%9c-%eb%af%b8%ea%b5%ad-%ed%95%80%ed%85%8c%ed%81%ac-%ec%8b%9c%ec%9e%a5-%ed%99%95%ec%9e%a5\/"},"modified":"2025-10-22T10:48:35","modified_gmt":"2025-10-22T01:48:35","slug":"%ed%95%98%ed%94%84%eb%aa%a8%ec%96%b4-35%ec%96%b5-%ec%9b%90-%ed%88%ac%ec%9e%90-%ec%9c%a0%ec%b9%98%eb%a1%9c-%eb%af%b8%ea%b5%ad-%ed%95%80%ed%85%8c%ed%81%ac-%ec%8b%9c%ec%9e%a5-%ed%99%95%ec%9e%a5","status":"publish","type":"post","link":"https:\/\/www.doochang.co.kr\/blog\/%ed%95%98%ed%94%84%eb%aa%a8%ec%96%b4-35%ec%96%b5-%ec%9b%90-%ed%88%ac%ec%9e%90-%ec%9c%a0%ec%b9%98%eb%a1%9c-%eb%af%b8%ea%b5%ad-%ed%95%80%ed%85%8c%ed%81%ac-%ec%8b%9c%ec%9e%a5-%ed%99%95%ec%9e%a5\/","title":{"rendered":"\ud558\ud504\ubaa8\uc5b4, 35\uc5b5 \uc6d0 \ud22c\uc790 \uc720\uce58\ub85c \ubbf8\uad6d \ud540\ud14c\ud06c \uc2dc\uc7a5 \ud655\uc7a5 \uac00\uc18d\ud654"},"content":{"rendered":"<p>\uc2e4\ub9ac\ucf58\ubc38\ub9ac\uc758 \ud55c\uc778 \ud540\ud14c\ud06c \uc2a4\ud0c0\ud2b8\uc5c5 \ud558\ud504\ubaa8\uc5b4(Halfmore)\uac00 \ucd5c\uadfc 35\uc5b5 \uc6d0 \uaddc\ubaa8\uc758 \ucd94\uac00 \ud22c\uc790\ub97c \uc720\uce58\ud558\uba70 \ubbf8\uad6d \ub0b4 \uc11c\ube44\uc2a4 \ud655\ub300\uc5d0 \ubc15\ucc28\ub97c \uac00\ud558\uace0 \uc788\ub2e4. \uc774\ubc88 \ud22c\uc790\uc5d0\ub294 \uc18c\ud504\ud2b8\ubc45\ud06c \uadf8\ub8f9\uc758 \uc790\ud68c\uc0ac\uc778 \ub525\ucf54\uc5b4\uac00 \ub9ac\ub4dc \ud22c\uc790\uc790\ub85c \ucc38\uc5ec\ud558\uba70 AI\uc640 \ud540\ud14c\ud06c \ubd84\uc57c\uc758 \uc2dc\ub108\uc9c0\ub97c \ud1b5\ud574 \ud558\ud504\ubaa8\uc5b4\uc758 \uae30\uc220\ub825\uacfc \uc131\uc7a5 \uac00\ub2a5\uc131\uc774 \uae00\ub85c\ubc8c \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c \uc778\uc815\ubc1b\uc558\ub2e4\ub294 \uc810\uc5d0\uc11c \ud070 \uc8fc\ubaa9\uc744 \ubc1b\uace0 \uc788\ub2e4. \ud558\ud504\ubaa8\uc5b4\ub294 \ud2b9\ud788 \uc790\ub140 \uc790\uc0b0 \uad00\ub9ac\uc758 \uc811\uadfc\uc131\uc744 \ub192\uc774\uae30 \uc704\ud574 \uc124\uacc4\ub41c \ud50c\ub7ab\ud3fc\uc73c\ub85c, \uc77c\ubc18 \uac00\uc815\uc774 \uc790\ub140\uc758 \uc7ac\uc815 \uad00\ub9ac\uc5d0 \ub2a5\ub3d9\uc801\uc73c\ub85c \ucc38\uc5ec\ud560 \uc218 \uc788\ub3c4\ub85d \ub3d5\ub294 \ud601\uc2e0\uc801\uc778 \ubaa8\ub378\uc744 \uc81c\uacf5\ud558\uace0 \uc788\ub2e4.<\/p>\n<p>\ud558\ud504\ubaa8\uc5b4\uc758 \ud50c\ub7ab\ud3fc\uc740 \ubd80\ubaa8\uac00 \uc790\ub140\ub97c \uac00\uc871 \uace0\uc6a9 \uad6c\uc870\uc5d0 \ub4f1\ub85d\ud558\uc5ec \uadfc\ub85c \uc18c\ub4dd\uc744 \ubc1c\uc0dd\uc2dc\ud0a4\uace0, \uc774\ub97c \ud1b5\ud574 \uc544\ub3d9\uc6a9 \uc740\ud1f4 \uacc4\uc88c\uc778 \ucee4\uc2a4\ud1a0\ub514\uc5bc \ub85c\uc2a4 IRA(Custodial Roth IRA)\ub97c \uac1c\uc124\ud560 \uc218 \uc788\ub3c4\ub85d \uc9c0\uc6d0\ud558\ub294 \ubc29\uc2dd\uc73c\ub85c \uad6c\uc131\ub418\uc5b4 \uc788\ub2e4. \uc774 \uacfc\uc815\uc5d0\uc11c AI\ub97c \ud65c\uc6a9\ud55c \ubc95\ub960 \ubc0f \uc138\ubb34 \uc808\ucc28\uc758 \uc790\ub3d9\ud654\ub294 \uc0ac\uc6a9\uc790\uc5d0\uac8c \ud3b8\ub9ac\ud568\uc744 \uc120\uc0ac\ud558\uba70, \uc774\ub97c \ud1b5\ud574 \ud558\ud504\ubaa8\uc5b4\ub294 \uc9c0\ub09c\ud574 10\uc6d4 \uc11c\ube44\uc2a4 \ucd9c\uc2dc \uc774\ud6c4 12\uac1c\uc6d4 \ub9cc\uc5d0 \uc57d 700\uc5b5 \uc6d0 \uaddc\ubaa8\uc758 \uc740\ud1f4 \uc790\uc0b0\uc744 \ucc3d\ucd9c\ud558\ub294 \uc131\uacfc\ub97c \uae30\ub85d\ud558\uc600\ub2e4. \uc774\ub294 \ubbf8\uad6d \ub0b4 \u2018\uc740\ud1f4 \uc704\uae30\u2019\uc5d0 \ub300\ud55c \ub300\uc548\uc73c\ub85c\uc11c \ud558\ud504\ubaa8\uc5b4\uc758 \ud50c\ub7ab\ud3fc\uc774 \uc8fc\ubaa9\ubc1b\uace0 \uc788\ub2e4\ub294 \uac83\uc744 \ub098\ud0c0\ub0b8\ub2e4.<\/p>\n<p>\uc774\ubc88 \ud22c\uc790\uc5d0\ub294 \uae00\ub85c\ubc8c \ud22c\uc790\uc790\ub4e4\uc774 \ub300\uac70 \ucc38\uc5ec\ud558\uc600\ub294\ub370, \ud2b9\ud788 \uc18c\ud30c\uc774(SoFi)\uc758 \uacf5\ub3d9 \ucc3d\uc5c5\uc790\uc778 \uc774\uc548 \ube0c\ub798\ub514(Ian Brady)\uc640 \ub304 \ub9e5\ud074\ub9b0(Dan Macklin)\uc774 \uac1c\uc778 \uc790\uaca9\uc73c\ub85c \ud22c\uc790\uc5d0 \ub098\uc120 \uc810\uc774 \ub208\uc5d0 \ub748\ub2e4. \uc774\ub4e4\uc740 \ud558\ud504\ubaa8\uc5b4\uc758 \uc804\ub7b5\uc801 \uc131\uc7a5\uc5d0 \uae30\uc5ec\ud558\uae30 \uc704\ud574 \uc5b4\ub4dc\ubc14\uc774\uc800\ub85c\ub3c4 \ud569\ub958\ud560 \uc608\uc815\uc774\ub2e4. \ub610\ud55c, \uc81c\uc774\uc5e0 \ud734\ubc84 \ucf54\ud37c\ub808\uc774\uc158(J.M. Huber Corporation)\uc758 \uc804 \ud68c\uc7a5 \ud53c\ud130 \ud504\ub79c\uc2dc\uc2a4(Peter Francis), \uae00\ub85c\ubc8c \ud14c\ud06c \uae30\uc5c5 \ubab0\ub85c\ucf54(Moloco)\uc758 \uacf5\ub3d9 \ucc3d\uc5c5\uc790 \ubc15\uc138\ud601 \ub4f1\uc758 \uc778\ubb3c\ub4e4\ub3c4 \uc774\ubc88 \ud22c\uc790\uc5d0 \ucc38\uc5ec\ud558\uc5ec \ud558\ud504\ubaa8\uc5b4\uc758 \ubbf8\ub798 \uac00\ub2a5\uc131\uc744 \ub354\uc6b1 \ud655\uace0\ud788 \ud558\uace0 \uc788\ub2e4.<\/p>\n<p>\ud558\ud504\ubaa8\uc5b4\ub294 \ud604\uc7ac \ubbf8\uad6d 14\uac1c \uc8fc\uc5d0\uc11c \uc11c\ube44\uc2a4\ub97c \uc6b4\uc601\ud558\uace0 \uc788\uc73c\uba70, \uc62c\ud574 \uc548\uc5d0 20\uac1c \uc8fc\ub85c \uc11c\ube44\uc2a4 \uc9c0\uc5ed\uc744 \ud655\uc7a5\ud55c \ud6c4, 2\ub144 \ub0b4\uc5d0 \ubbf8\uad6d \uc804\uc5ed 51\uac1c \uc8fc\ub85c\uc758 \ud655\ub300\ub97c \ubaa9\ud45c\ub85c \ud558\uace0 \uc788\ub2e4. \ub610\ud55c, \uc62c\ud574 \uc911\uc73c\ub85c \uad50\uc721\ube44 \uc804\uc6a9 \uc800\ucd95 \uacc4\uc88c \uc0c1\ud488\uc744 \ucd9c\uc2dc\ud558\uace0, \ub0b4\ub144\uc5d0\ub294 \uc544\ub3d9 \ub300\uc0c1 \ud22c\uc790 \uc0c1\ud488\uacfc \ud5ec\uc2a4\ucf00\uc5b4, \uad50\uc721\ube44 \uacb0\uc81c\ub97c \uc5f0\uacc4\ud55c \uc11c\ube44\uc2a4\ub85c\uc758 \ud655\uc7a5\uc744 \uacc4\ud68d\ud558\uace0 \uc788\ub2e4. \uc7a5\uae30\uc801\uc73c\ub85c\ub294 \uc790\ub140 \uc591\uc721 \uacfc\uc815\uc5d0\uc11c \ubc1c\uc0dd\ud558\ub294 \ubaa8\ub4e0 \uc9c0\ucd9c\uc744 \ud1b5\ud569 \uad00\ub9ac\ud560 \uc218 \uc788\ub294 \u2018\uac00\uc815 \uc9c0\ucd9c \uae08\uc735 \uc6b4\uc601\uccb4\uc81c\u2019 \uad6c\ucd95\uc744 \ubaa9\ud45c\ub85c \ub2e4\uc218\uc758 \ud540\ud14c\ud06c \uae30\uc5c5\uacfc\uc758 \ud611\uc5c5\uc744 \ub17c\uc758 \uc911\uc774\uba70, \uc774\uc640 \uad00\ub828\ud55c \uacf5\uc2dd \ud30c\ud2b8\ub108\uc2ed \ubc1c\ud45c\ub3c4 \uc608\uc815\ub418\uc5b4 \uc788\ub2e4.<\/p>\n<p>\ub525\ucf54\uc5b4\uc758 \ud22c\uc790 \ub2f4\ub2f9\uc790\ub294 \ud558\ud504\ubaa8\uc5b4\uc758 \ucd08\uae30 \uc131\uacfc\ub97c \ub192\uc774 \ud3c9\uac00\ud558\uba70, \uc544\ub3d9 \uc7a5\uae30 \uae08\uc735 \ubbf8\ub798\ub97c \uc704\ud55c \uae30\ubcf8 \ud50c\ub7ab\ud3fc\uc73c\ub85c \uc790\ub9ac\ub9e4\uae40\ud560 \uc7a0\uc7ac\ub825\uc774 \ucda9\ubd84\ud558\ub2e4\uace0 \ubc1d\ud614\ub2e4. \uc774\uc8fc\ud604 \ud558\ud504\ubaa8\uc5b4 \ub300\ud45c\ub294 \uc774\ubc88 \ud22c\uc790 \uc720\uce58\ub97c \ud1b5\ud574 \ud55c\uc778 \ucc3d\uc5c5\ud300\uc758 \uc131\uacfc\uc640 \uac00\ub2a5\uc131\uc774 \uae00\ub85c\ubc8c \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c \uc778\uc815\ubc1b\uc740 \uac83\uc5d0 \ub300\ud574 \ud070 \uc758\ubbf8\ub97c \ub450\uba70, AI\uc640 \ud540\ud14c\ud06c \uae30\uc220\uc758 \uc735\ud569\uc744 \ud1b5\ud574 \ubaa8\ub4e0 \uac00\uc815\uc774 \uc790\ub140 \uc591\uc721 \uacfc\uc815\uc5d0\uc11c\uc758 \uc7ac\uc815\uc801 \uace0\ubbfc\uc744 \uc27d\uac8c \ud574\uacb0\ud560 \uc218 \uc788\ub3c4\ub85d \uc9c0\uc6d0\ud558\uaca0\ub2e4\ub294 \ud3ec\ubd80\ub97c \ubc1d\ud614\ub2e4. \ud558\ud504\ubaa8\uc5b4\uc758 \uc55e\uc73c\ub85c\uc758 \ud589\ubcf4\uac00 \uc8fc\ubaa9\ub41c\ub2e4.<\/p>\n<p>[\uad00\ub828\uae30\uc0ac] <a href = 'https:\/\/n.news.naver.com\/mnews\/article\/243\/0000086316?sid=101' >https:\/\/n.news.naver.com\/mnews\/article\/243\/0000086316?sid=101<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uc2e4\ub9ac\ucf58\ubc38\ub9ac\uc758 \ud55c\uc778 \ud540\ud14c\ud06c \uc2a4\ud0c0\ud2b8\uc5c5 \ud558\ud504\ubaa8\uc5b4(Halfmore)\uac00 \ucd5c\uadfc 35\uc5b5 \uc6d0 \uaddc\ubaa8\uc758 \ucd94\uac00 \ud22c\uc790\ub97c \uc720\uce58\ud558\uba70 \ubbf8\uad6d \ub0b4 \uc11c\ube44\uc2a4 \ud655\ub300\uc5d0 \ubc15\ucc28\ub97c \uac00\ud558\uace0 \uc788\ub2e4. \uc774\ubc88 \ud22c\uc790\uc5d0\ub294 \uc18c\ud504\ud2b8\ubc45\ud06c \uadf8\ub8f9\uc758 \uc790\ud68c\uc0ac\uc778 \ub525\ucf54\uc5b4\uac00 \ub9ac\ub4dc \ud22c\uc790\uc790\ub85c \ucc38\uc5ec\ud558\uba70 AI\uc640 \ud540\ud14c\ud06c \ubd84\uc57c\uc758 \uc2dc\ub108\uc9c0\ub97c \ud1b5\ud574 \ud558\ud504\ubaa8\uc5b4\uc758 \uae30\uc220\ub825\uacfc \uc131\uc7a5 \uac00\ub2a5\uc131\uc774 \uae00\ub85c\ubc8c \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c \uc778\uc815\ubc1b\uc558\ub2e4\ub294 \uc810\uc5d0\uc11c \ud070 \uc8fc\ubaa9\uc744 \ubc1b\uace0 \uc788\ub2e4. \ud558\ud504\ubaa8\uc5b4\ub294 \ud2b9\ud788 \uc790\ub140 \uc790\uc0b0 \uad00\ub9ac\uc758 \uc811\uadfc\uc131\uc744 \ub192\uc774\uae30 \uc704\ud574 \uc124\uacc4\ub41c \ud50c\ub7ab\ud3fc\uc73c\ub85c, [&hellip;]<\/p>\n","protected":false},"author":29,"featured_media":69,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"\ud540\ud14c\ud06c","_yoast_wpseo_metadesc":"\ud558\ud504\ubaa8\uc5b4\uac00 35\uc5b5 \uc6d0\uc758 \ucd94\uac00 \ud22c\uc790\ub97c \uc720\uce58\ud558\uba70 \ubbf8\uad6d \ub0b4 \uc11c\ube44\uc2a4 \ud655\uc7a5\uc5d0 \ubc15\ucc28\ub97c \uac00\ud558\uace0 \uc788\ub2e4. \uc774\ubc88 \ud22c\uc790\uc5d0\ub294 \uc18c\ud504\ud2b8\ubc45\ud06c\uc758 \ub525\ucf54\uc5b4\uac00 \ucc38\uc5ec\ud558\uace0, \uc18c\ud30c\uc774 \uacf5\ub3d9 \ucc3d\uc5c5\uc790\ub4e4\uc774 \uc5b4\ub4dc\ubc14\uc774\uc800\ub85c \ud569\ub958\ud55c\ub2e4. \ud558\ud504\ubaa8\uc5b4\ub294 AI \uae30\ubc18\uc758 \uc790\ub140 \uc7ac\ubb34 \uad00\ub9ac \ud50c\ub7ab\ud3fc\uc73c\ub85c, \uc77c\ubc18 \uac00\uc815\uc758 \uc790\uc0b0 \uad00\ub9ac \uc811\uadfc\uc131\uc744 \ub192\uc774\ub294 \ud601\uc2e0\uc801\uc778 \ubaa8\ub378\uc744 \uc81c\uacf5\ud558\uace0 \uc788\ub2e4.","footnotes":""},"categories":[4],"tags":[4843,330,4688,4935,1964],"class_list":["post-5075","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-4","tag-ai-mcu","tag-ai-","tag-nh","tag-4935","tag-1964"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\ud558\ud504\ubaa8\uc5b4, 35\uc5b5 \uc6d0 \ud22c\uc790 \uc720\uce58\ub85c \ubbf8\uad6d \ud540\ud14c\ud06c \uc2dc\uc7a5 \ud655\uc7a5 \uac00\uc18d\ud654 - \ub450\ucc3d\ud2b9\ud5c8\ubc95\ub960\uc0ac\ubb34\uc18c<\/title>\n<meta name=\"description\" content=\"\ud558\ud504\ubaa8\uc5b4\uac00 35\uc5b5 \uc6d0\uc758 \ucd94\uac00 \ud22c\uc790\ub97c \uc720\uce58\ud558\uba70 \ubbf8\uad6d \ub0b4 \uc11c\ube44\uc2a4 \ud655\uc7a5\uc5d0 \ubc15\ucc28\ub97c \uac00\ud558\uace0 \uc788\ub2e4. \uc774\ubc88 \ud22c\uc790\uc5d0\ub294 \uc18c\ud504\ud2b8\ubc45\ud06c\uc758 \ub525\ucf54\uc5b4\uac00 \ucc38\uc5ec\ud558\uace0, \uc18c\ud30c\uc774 \uacf5\ub3d9 \ucc3d\uc5c5\uc790\ub4e4\uc774 \uc5b4\ub4dc\ubc14\uc774\uc800\ub85c \ud569\ub958\ud55c\ub2e4. \ud558\ud504\ubaa8\uc5b4\ub294 AI \uae30\ubc18\uc758 \uc790\ub140 \uc7ac\ubb34 \uad00\ub9ac \ud50c\ub7ab\ud3fc\uc73c\ub85c, \uc77c\ubc18 \uac00\uc815\uc758 \uc790\uc0b0 \uad00\ub9ac \uc811\uadfc\uc131\uc744 \ub192\uc774\ub294 \ud601\uc2e0\uc801\uc778 \ubaa8\ub378\uc744 \uc81c\uacf5\ud558\uace0 \uc788\ub2e4.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" 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