Read in Korean → 한국어로 읽기 When people start managing their money, they often watch videos or read blogs and think: But people who consistently build wealth don’t start with products.They start with structure. Asset structure isn’t about what you buy.It’s about designing the order in which money flows, stays, grows, and gets locked away. … Read more
Read in Korean → 한국어로 읽기 Interest rate news is everywhere,but when it comes to what to actually do with your own money, it often feels unclear. When I first started investing, I kept hearing about interest rates too.But finding a clear answer to “So what should I do?” was surprisingly hard. The truth is, … Read more
Read in Korean → 한국어로 읽기 Why do so many people recommend opening an ISA? The answer is simple. With an ISA, you can keep much more of your returns — even with the same performance. That’s because ISA is built to significantly reduce taxes on investment profits. I didn’t fully understand this at first.In … Read more
Read in Korean → 한국어로 읽기 Why savings accounts alone rarely build real wealth When people begin managing their money,one question almost always comes up: “Should I use a savings account — or a CMA?” Both are considered “safe,”but they serve very different purposes. When I started my career,I automatically put part of every paycheck … Read more
Read in Korean → 한국어로 읽기 Why is an emergency fund the first step in personal finance? When many young professionals think about investing,they immediately think of stocks or crypto. But before chasing returns,what you really need is a minimum layer of financial protection —an emergency fund. When I first started my career,I believed taking … Read more
Read in Korean → 한국어로 읽기 Many young professionals save emergency money —but often fail at managing it. An emergency fund isn’t just savings.It’s a shield that protects you during unexpected momentsand a powerful source of psychological security. When I was starting my career,I thought, “A small emergency fund should be enough.”But sudden hospital bills … Read more