Hello, my husband and I got married relatively early and live in a small city in the countryside. We have one child in the upper grades of elementary school. Both my husband and I really enjoyed spending money. So, of course, when we got married, we didn't have much money. We received help from both sides of our families to hold the wedding, and we started our life in a rental apartment with a deposit of 10 million won and a monthly rent of 80,000 won. It was nice to spend money at the time, but once we got married and started to settle down, we realized that our bank account was empty. Later on, we faced student loans, car payments, and wedding expenses, which made it really difficult to start our life together. Both of us were financially struggling. It was when I became pregnant that I realized we might not be able to escape poverty, and I started to worry about our child. Looking back now, I feel sorry for my child.

I felt sorry, but I bought almost all the baby items second-hand and saved my meager salary diligently. Fortunately, the good thing about buying second-hand baby items is that they don't remember anything at all. It's true; those who have raised two children say the same. For the first child, you really care about everything, like buying a good stroller and so on. But for the second child, you don't mind spending 1 million or 2 million won on anything. You just dress them in whatever and feed them whatever. So, when you see second children, even if they are boys, there are quite a few who wear girls' clothes. It's true! There are kids around three or four years old who come back from playing in Elsa dresses. You can tell they have an older sister because, in any case, the kids don't care at all. It doesn't matter to them because the other kids they play with don't care either. They don't pay attention to each other.

It just happened naturally. So, I paid off all my debts and moved to a jeonse worth 40 million won. Then, I saved up and took out a loan, and it's been a few years since I moved into my apartment. What I'm grateful for about my husband is that he believed in me and handed over all the financial control. For ten years, I never received an allowance. Wow, that's a bit strange. It seems like he might have been using some leftover allowances for something. I mean, if you don't have money, you can't spend it, right? So, those who don't receive an allowance might actually have separate funds hidden away. Oh, it turns out he has some travel expenses and also uses profits from personal stock investments to cover his allowance. How much is it? If he can cover his allowance with stock investments, that's not easy. So, he also saves money to buy me gifts, which makes me grateful for my kind husband. While saving money, I always felt a bit regretful because even though we both work, my income is...

Since I was young, I thought I needed to have a stable job to save money. So, I became a teacher, and as my income stabilized, my husband also got promoted, leading to a significant increase in our income compared to before. I think about how young people these days are worried about when they will be able to save money while getting married and starting families. The truth is, many people see their salaries increase significantly in their 40s and 50s compared to their early to mid-30s. So, if you think, How can I live on what I earn now? that's not the right mindset. Often, things will open up later on. Additionally, I was fortunate enough to win a bid for an apartment at an auction, and now I receive monthly rent, bringing in over 8 million won in income. By keeping a budget and working hard, I have moved away from my experiences of poverty.

Considering everything that has remained as trauma, you are now living diligently. However, recently, troubles have arisen. Since you were able to make a living, during your studies, your husband took care of all the household chores and worked hard. Because of that, I really didn't want to buy him anything; I truly didn't want to. However, after a year of hard work and support, I felt compelled to buy him something. He didn't like installments, so I ended up giving him 7,000 in cash. That was really a huge deal. When I bought a car, I felt the same way; it felt like I was throwing money away. I mean, buying something in cash is good, but 7,000? At this level, it feels like an E-Class or something similar. My husband was really happy, and I was satisfied because I also enjoyed driving it. However,

The warranty on that car has expired, and I'm worried about maintenance costs, so I'm thinking of selling it and switching to an electric vehicle. Given my job, I might be assigned to a distant area for commuting, and an electric car seems to be a good option in many ways. So, I brought it up first, saying that I want to buy an electric car to save on maintenance costs. My husband, however, still loves that car too much and said he doesn't want to sell it, but we did agree on selling the car. We've had it for about five years, and its value has depreciated by about half. I suggested that we add a bit more money to buy a good used car, since it was worth around 3,500. If we put in a little more, we could get a decent used electric car, so I proposed we go for a domestic model. However, my husband doesn't like used electric cars and suggested we check out some new ones. We visited a few dealerships and got some consultations, but he wasn't very enthusiastic and got frustrated. Then we looked at Tesla, and it seemed promising.

In his mind, her husband already wanted to buy a Tesla. He thought, I want to buy a Tesla, but since we're going to Hyundai, this isn't it. So, he kept talking about the advantages of Tesla. I also drive a Tesla, and it's nice. It's good, but compared to Korean cars, it's not that much better yet. However, once someone gets fixated on something, there's no changing their mind. With our income, we should be able to drive something like this. I feel like the argument shifts a lot when going from foreign cars to domestic ones. Please, who thinks like that? It's like saying, I used to drive a German car, and now I'm going to Hyundai. So, to reduce people's worries, we need to buy a Tesla. It seems like the reasoning behind this is not convincing at all.

The reason is correct. Really, every time we make eye contact, we talk about Tesla. When I wake up in the morning, I think about Tesla. Until now, I have bought all the cars based on what my husband wanted, but I want to buy something with good cost performance. However, my husband is not willing to compromise. But if I were to take my husband's side here, he doesn't receive an allowance, invests in stocks, and diligently saves his income. He has been living like that for several years, and now that I want to express my opinion just once, especially after he bought a foreign car for 70 million won, it feels like a big deal. So, if that's the case, he should just drive that car. And the talk about changing the car was initiated by my wife. So, when my wife suggested changing it, he said, Well, I only have this one car.

In fact, if you think about it, I've developed a certain pride over time. Selling this now and moving towards a modern lifestyle feels like a collapse. It's not like I'm just getting an allowance; I even put down a deposit for a Tesla, and I can cancel it if I want. So, let's think it over. This is a step forward; it's like stepping on the accelerator. Let's put it down and then go for a ride. Generally, I find it hard to cancel. Right, there's no choice. My husband sends me his entire salary and manages the finances without interfering, so he deserves a lot of credit. I thought I had compensated him by buying the car I wanted back then. So, I plan to pay off all the loans I've taken out by the end of this month, except for the mortgage, leaving me with no debts. Therefore, it's only natural to do well like this, and since my husband has worked hard, I can't give this up. So, the car will be delayed for another five months.

The issue is that when you buy a car, it depreciates by 10 million won immediately. I can't shake off the thought of whether this is correct. I was so frustrated that I ended up buying a Tesla. It's spilled milk now, but I'm wondering if it fits our situation. My husband is planning to continue winning bids on apartment auctions to receive rental income, and I'm curious if this is the right approach.

Looking at our living situation and the car we own, we have a house worth about 350 million won, and we are repaying the principal and interest. We also won a bid on an apartment through auction and are receiving rental income from it. I completely understand my husband's mindset. He is diligently saving money, and now that we have won a bid, we are receiving rental income. So, it seems like we just need to buy a dog. But why just one? If we buy ten...

After 550, the preparation is over. On top of that, I no longer receive pocket money, and just from the pocket money I've saved up until now, I feel like I can buy a Tesla. So, if I sell the Volvo and get 3,500 to buy a Tesla, can I not spend 2,600? Can I not spend 2,600? Yes, even though our combined income as a couple is about 10 million won, I also have a 2018 Morning. So, I could drive that, and it wouldn't matter if I just drove it. But I burned it because, to cover the maintenance costs of a Tesla, I probably need to drive about 30,000 to 40,000 kilometers a year, right? To match the fuel costs, because the fuel costs for electric vehicles are still more expensive than regular gasoline cars due to the battery costs. But once I get into it, I also drive it for various purposes. I can go on trips with it and so on.

When it's this hot, I say, Look, I'll turn on the air conditioner in advance. And then, inside, the speaker says it's fine, and we watch movies. Honestly, you can watch movies at home without going to the theater. Watching in the car saves a lot of money. People who drive Teslas have that logic. Anyway, the reason I can't save money is because of frequent car purchases and moving. But I don't think that's the case. I feel like I'm saving well. I don't want to blame my husband; I want to complain about him. I've saved a lot, but he hasn't even given me pocket money. It's not because of the car that I can't save. That's not it. Plus, my husband has a high income, so he must be saving diligently too.

No, if I earn about 500 to 600, it's natural for me to want to spend some of my allowance. Of course, I think, I earn this much, but I can't even spend this little on my allowance in a month. I wonder if that's why I got married. I feel like there's a lack of willpower on my part. I don't have it; I really don't. But the problem lies with my husband. So, he's like Elon Musk, and he's doing well with savings. He’s been saving a little every month, and since he’s finished paying off the mortgage, he has that much leeway. But regarding the mortgage, there’s really no need to worry about it since we receive rent. Anyway, we don’t spend much on utilities, gas, or communication fees. We really don’t spend much at all. We’re a family of three, and our child is in upper elementary school. The insurance fees are a bit high, but overall, we don’t have many expenses. So, I’ll make a call and ask about it. Let’s see. Hello, Mr. Elon Musk.

Hello, I can fully understand why you might dislike it. First of all, you just bought it, right? Looking at the price, did you buy a Model Y? Yes, that's correct. So, regardless of the price, how does it feel compared to the XC 60? What do you think? Rather than asking me, my husband should talk about it. No, I mean, how do you feel about it after driving it? Honestly, I have a lot of complaints. I think the car is not great. It feels too simple, like a white house with just a television in it, which I already disliked, and now I like it even less. However, I drove it today for a long distance, and while the ride comfort isn't that great, I do feel that it has the advantages of being an electric car. I'm trying to use the air conditioning when it's hot, so I’m making an effort for that purpose. Right now, it’s about 2,600.

You wrote more, didn't you? Yes, that's right. I have some regrets about that. Since it has already happened, well, I could have just driven the XC60. Right? Why did we decide to change it? I regret bringing it up. I feel like I mentioned the electric car for no reason. By the way, have you tried to persuade your husband to just keep driving the XC60? I actually sent this story to convince him. He said he would follow whatever decision I make, so I'm waiting for him. But the waiting time is not easy, and I want it to come out quickly. If I had mentioned this story earlier, I would have just told him to keep driving. How many years have you been driving your current car? Five years. Ah, five years. That's still plenty of time. In fact, there’s really no reason to change it due to maintenance costs.

I have been thinking about switching to an electric car because I've had some negative experiences with diesel cars. It's not just that the ride comfort is poor; I also have environmental concerns. I feel a bit like Greenpeace in that regard. So, I want to consider the environment. My husband is very satisfied with the electric car, and I don't have any major complaints about it. He seems to be quite happy, even though he hasn't said much. I think he is definitely satisfied. I wanted to switch too, but I didn't want to miss the opportunity. I didn't originally have the desire to change, but now that I've been given the chance, I feel differently. By the way, have you made the switch?

Now you have to drive for a long time. Yes, yes, yes. But there is a problem with people who drive Teslas. The new model is coming out soon, so they will want to change their cars. After saving money for about five years to change the car, what is the real meaning of that? How many years will you drive this car? First, I will keep driving it. I think I will drive it for another two years. It's not like a phone; I think I will drive it for more than two years. The new Model Y is coming out in about two years. It has improved ride comfort, and I also need to carry my child, so considering all these factors... Yes, that's right. The ventilated seats are coming in, and if you consider those things... Yes, that's right. If you change, you will lose about 8 million won, but you have to change it; there's no choice. It’s a situation where you can’t help but go that way. Driving an older model while owning a Tesla is not easy.

It changes, you know? Elon Musk will probably continue to dislike it for a while, and there's nothing we can do about that. However, in other aspects, there aren't any particular mistakes being made. I mean, how do you not spend your allowance? My husband doesn't receive an allowance, but I do get a little bit of travel expenses from work. I use that to manage things. Still, he really doesn't spend much. Aside from that, how is it that our food expenses only amount to about 60 to 70? I mean, my husband, not that I'm praising him, doesn't eat much and doesn't drink a lot either. He hardly buys anything, so I wish the travel expenses were a bit more. But now, they have definitely decreased, so if he takes that, then that's a bit... well, that's really something.

In the United States, it's not like we're just growing something, but it feels too tight, and I don't think that's right. It feels a bit like being a slave; it's as if we're only holding a whip. I think this is quite significant. So, I don't see any problems with this right now. There shouldn't be any issues, and I hope you enjoy the ride this time. Now that the repayment of the auction price of 5 million won is finished, we have the capacity to save 5 million won each, right? What are your thoughts on this? Well, we were actually discussing this on the way here, but there were some disagreements between my husband and me, and we ended up arguing a bit. While we were talking, my husband suggested that we should continue to participate in auctions and use that to create a new pipeline for rental income. I think this is a bit...

Instead of investing all in one area, how about diversifying your investments? We talked about various options like Bitcoin, gold, and U.S. stocks. However, if you don't know much about these things, it can be stressful to keep hearing about them. So, first of all, paying off the mortgage right now doesn't really make much sense. In fact, your income isn't that low, right? Setting up a monthly rent to gain additional income seems like a good plan at first, but as you go further, it turns into a money-losing strategy. The reason is that you're buying this in your personal name, which means your income will increase, and you'll have to pay comprehensive income tax anyway. On top of that, your husband...

Since my husband has a decent income, I feel like if we exceed a certain income bracket, we might end up paying more in taxes. Additionally, people are currently buying relatively inexpensive houses. For instance, if you buy a house for around 100 million won, it seems like a good deal if you purchase it for 90 or 80 million won. However, these days, renovation and repair costs have become quite expensive. For example, renovating a 1 billion won apartment might cost around 200 million won, but even for a 100 million won apartment, the renovation could cost about 150 million won. So, repair costs are incurred regardless of the house price. Buying an old house with the intention of making a profit might work if you buy and sell frequently, but if you plan to hold onto it for the long term, with monthly rent, taxes, and additional costs like brokerage fees and repair expenses, you start to wonder, Why did I do this?

There are many cases where this happens. So, if you really want to do something with an auction, don't give it as a monthly rent; instead, offer it as a jeonse. The reason is that we don't mind not receiving the 500,000 won right now. However, there isn't much reason to receive that 500,000 won to pay taxes and such. Since our apartment is located in a regional area, even if we offer it as a jeonse, it can be difficult to see the price difference in that area. In such regions, giving it as a monthly rent doesn't hold much meaning either. Therefore, in the current situation, it isn't a good strategy to buy multiple small apartments in regional areas to rent them out. You can consider doing that later. Once policies and systems change significantly, we can think about how to invest the 5 million won we have left over. So, whether to give it as a monthly rent...

It may not be much, but I think it would be good to consider renting it out first. Otherwise, you could sell it. Generally, those who win bids at auctions tend to hold onto the property for about two years before selling. It’s correct to think that holding onto it long-term at the current price range is a bit difficult. Right now, even if you put it on the market, it might not sell. That could happen. So, conversely, in the provinces, small properties that are not newly built, especially those in the early 100 million won range, are really lagging behind. Other properties have increased in value, and it’s uncertain whether these will rise as well, so I don’t think it’s necessary to focus on them at this time. Also, do you currently own two houses? Oh, three? I see. Then, even if you want to buy the next one, the acquisition tax and other related issues will likely become a headache later on.

Selling a house and dealing with these matters can be quite a headache. So, since this is not really a time to encourage owning multiple properties, you can start when the regulations are relaxed later on. It's good that you've tried your hand at auctions, but it doesn't quite fit the current situation. Once the policies are loosened, I will be making videos about it. If I mention that the atmosphere in the provinces seems to be improving, then you can start at that time without any hesitation. Right now, it feels like we're going against the trend. I see. So, should we just keep saving 5 million won in a savings account for later use without making any separate investments? Yes, it's better to accumulate cash assets for now. In this case, just focus on saving. Alternatively, as I mentioned earlier, if you really like Tesla, you could consider buying a little bit of Tesla stock.

Whether you live in it or not, the thing is, if we could combine the current parts into one, that would be the best. However, if we can't do that, then rather than increasing real estate here, it makes more sense to focus on non-real estate investments. The moment you have three or four properties, it becomes really complicated. It truly gets very troublesome. So, you might end up with nothing. If you miscalculate in a multi-property situation, it can lead to issues. So, don't just think that receiving monthly rent is a good thing. How long have you been receiving rent? Since February, right? Well, then you haven't even filed your comprehensive income tax return for next year. If you do it next year, you might wonder why it has increased so much. And suddenly, insurance costs might go up too. While considering all these things, you might think, What is this? What am I doing? Just so you know, I'm in that situation myself. I'm a multi-property owner, which is why I understand this.

So, I would appreciate it if you could listen to me. Ah, yes, yes, yes. So, there’s no need to add more. Personally, I don’t think buying a Tesla is a bad idea. It’s not bad as a Tesla owner because the depreciation isn’t that strong. It doesn’t drop significantly, even when a new model comes out. It does decrease a bit, but it’s not a huge drop. And anyway, the maintenance costs are quite low; it drops by about 100 to 200 a year. There are hardly any minor issues or repair costs, right? Repairs are almost nonexistent compared to internal combustion engine vehicles. So, you don’t even have to replace the brakes. Since you don’t have to change the brake pads, you can just drive it as is, as long as you don’t change anything. But I think if you change it within two years, I know all about it. Juniper router, this is what I mean.

When income increases, the problem is that it's not just about being able to save more; rather, it often leads to the tendency to buy something a bit more expensive because there is extra money available. And looking at the two of you, your income seems to be quite good compared to the local area. So instead of trying to increase the number of apartments you own, consider buying one main property in a nearby major city, as the local trend is leaning towards investing in flagship apartments. This approach is still valid. If the market conditions change later, you can sell it then. However, if you buy several smaller properties now, you might find it difficult to sell them later. So, it's better not to increase the number of properties too much at this time. We are pinpointing the concerns we had, and right now, it’s about this.

You don't need to invest in multiple properties right now; you can do it later. There's no need to feel pressured to act immediately. You can still make money through auctions by successfully bidding on properties. It's not that you can't earn; buying at a low price can be profitable. However, given the current situation, it might not be worth the effort to go against the current trends. If you think that way, it makes sense. 

Do you have any questions or anything else you would like to discuss? 

No, I don't have anything specific. I was curious about whether it's better to buy multiple properties at auction or to invest in one solid property. I've been contemplating that a lot. Also, as I mentioned earlier, I'm considering consolidating my real estate investments into one.

Try doing that, and if it doesn't work out right now, you could consider investing a little in financial assets. By doing so, you can also share the same mindset and buy Tesla stocks, which might increase in value. If that happens, you can say, I like Elon Musk, and then send it again. Recently, many people have made a lot of money as the stock has risen significantly. So, I think it would be good to take things step by step while maintaining a good relationship. Thank you. Thank you very much. Thank you.

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