I recently read an article that said people who earn 2.5 million won a month shouldn't even think about owning a home. After reading that, I felt really strange because most people ponder how to invest their money if they have it. However, those who don't have money seem to worry a lot about whether they can even start investing or not. I also started investing when I didn't have money, and I believe that if you plan well, salaried workers can definitely own a home. However, there has been a lot of talk about rising prices in Seoul. So, since prices in Seoul have gone up, many think they can no longer afford it. In fact, for those without money, it doesn't matter whether prices in Seoul rise or fall; they feel a significant emotional burden and mental barrier. But I have been through this for seven years.

I have personally visited various investment sites to see if there are real opportunities available and to understand what a truly good apartment is. It's true that some apartments in Seoul have increased in value, but there are still many apartments in Seoul and Gyeonggi that you can invest in with the money you have. So today, I will share how you can buy a home with several million won. In the metropolitan area, the most popular place for people is Gangnam. However, we need to determine where to start in order to enter Gangnam. The best way to advance toward Gangnam is to invest in locations that are close to it. There are new towns established within about an hour's distance from Gangnam. Among these new towns, we need to identify which areas we can currently access.

In Bucheon and Anyang, you shouldn't go too far. The reason I'm mentioning this is that from Bucheon, you can take Line 7 and reach Gangnam in about an hour to an hour and fifteen minutes. There’s a reason why people like it; it’s because commuting to Gangnam is possible. So, first, look at those areas with such demand. Within that context, finding an apartment that fits within your investment budget is the way to go. 

Now, when you look at these areas, do you know the characteristics of the apartments that people want to buy because they are in great neighborhoods? One reason is that they are close to subway stations. Yes, being near subway stations is a factor. Here, one feature of the first new towns is that there are multiple apartment complexes clustered together. People like when many apartments are concentrated in one area because that leads to the development of convenient facilities.

Facilities refer to places like supermarkets or department stores, and since schools are also included, people like the convenience of being able to send their children to school while also having access to childcare and shopping. Even if it's a small amount, people are looking for apartments that they like to invest in. I have selected one apartment; it is a 20-pyeong unit with a sale price of 380 million won and a jeonse price of 330 million won. Currently, the market is one without jeonse options because there aren't many new apartments being built in Seoul and Gyeonggi. If there are no new apartments being constructed, people have to reside in existing apartments. However, for people to live in these existing apartments on a jeonse basis, there needs to be a supply of jeonse options. But within Seoul and the metropolitan area, there isn't enough jeonse supply available, and since no new apartments are being built, the situation is challenging.

There aren't many jeonse options available. So, what happens when there aren't many jeonse options? The jeonse prices go up. What does it mean when jeonse prices increase? In a situation where the sales prices do not rise, if the jeonse prices keep going up, it could create a scenario where people like us, with a small amount of investment, can buy an apartment with a relatively lower investment. Right now, there are apartments available for around 50 million won, but they are older apartments. People wonder if they can buy such apartments. There is also the term woljukshin, and people do prefer newly built apartments. However, among older apartments, there are some that people like and some that they do not. The ones that people like are those that, despite being old, have excellent environments or locations. You should choose to buy such apartments. What should you avoid? Apartments in poor locations.

The established buildings are too far from Gangnam, making it difficult to commute to and from Gangnam. There is nothing around the established buildings; there are no schools or commercial areas, which makes living there very inconvenient. If the number of units is also low, it becomes an apartment with elements that people do not like. Such apartments, priced around ten million to twenty million, may seem appealing to you, but you should avoid them. You shouldn’t invest in those. The apartment should be one that others would also find appealing so that when you want to sell it, there will be someone willing to buy it. However, there is no one to buy established buildings that people do not like. So, you will have to hold onto it for a lifetime. This is the biggest risk when investing in real estate. No matter how low the investment amount is, the small apartments for rent and sale, as shown by my mother-in-law, make it difficult for me to find such options. To find these types of apartments, I need to decide which area I want to invest in.

You need to be able to determine whether the area is one where people's demand is likely to increase. After that, you should be able to distinguish the apartments that people prefer within that area. When distinguishing preferred apartments, consider the following: If I have 50 million won, what should I buy? By looking at the results of my past choices during a rising market, I can understand whether I selected the right apartments. Let me show you the difference. The apartment here was actually an investment opportunity that increased from 20 million to 30 million won between 2015 and 2016. For example, if we assume I bought it for 200 million won, how much profit would I make? It could rise to 300 million won, yielding a profit of 110 million won. This apartment was able to increase from 30 million won to 70 million won between 2015 and 2018. The earlier apartment could generate a profit of 110 million won.

If I bought two apartments for the same price of 200 million won, how much would I make? I would make 300 million won. The reason I could invest such a small amount is that the opportunity was open at that time. Regardless of when I entered the market, if I waited for the profits to rise, I would end up with a profit of 300 million won. 

What I want to emphasize is that the money I have is incredibly valuable. Just because my money is small doesn’t mean it isn’t precious. It is money that I have worked hard to save, sacrificing things I want to eat or buy every day. Therefore, when I invest this money, it is crucial to choose apartments that will yield higher returns. 

Now, for those watching this video, you might wonder what the difference is that makes such a significant impact. The biggest difference between the two apartments is the location.

Investing in a particular area is very important, and whether that area is favored by people is crucial. This apartment is about two hours away from Gangnam by subway, which is quite far. The closer the apartment I want to invest in is to Gangnam, the better. So, if I can find something within 30 minutes of Gangnam, that would be ideal. However, if I can't afford it with my investment funds, then I have no choice but to look further out. 

In reality, when looking at areas outside, if you just think, Let's choose something small and invest in anything, you might end up picking an apartment without distinguishing between what people actually prefer. There are places that people like more, and if you don't differentiate, you could end up making a poor investment. You also showed that there is indeed a right home to be found.

You mentioned that it exists, but since this is my lifetime savings, I wonder if I can really find it. Perhaps it would be better to save a little more money and study until the end of the year. When I was trying to invest, the biggest barrier I faced was the thought that it was only possible for certain people. However, at that time, I wanted to earn money and become wealthy, but more than that, I realized that with the money I currently have and can save, I couldn't see a future. I am raising a child now, and I felt really uneasy about whether I could be responsible for my child's future. So, I thought about wanting to improve my financial situation, and if there are things I can start doing now, then I just need to set my mind to it. It's really about overcoming my own difficulties.

I think I started this because I believed there were parts I could change. Even now, I've mentioned that I can show you apartments and talk about investment opportunities, but I believe many of you might still be worried about whether these opportunities are real or not. However, as I mentioned earlier, I am a field-oriented investor. Among the apartments I know, there are still some that have not yet increased much in price and are affordable. As rental prices rise, these apartments can provide sufficient value as assets and generate profit for you. In this video, I discussed which apartments are likely to appreciate more. Additionally, I have a monthly study group where you can participate for just 1,000 won. So, I want to ensure that you get the most out of that 1,000 won by learning how to find the right apartments and which ones to choose.

I will share my specific know-how in that study. But why did my mother-in-law decide to reveal her know-how for just a thousand won? I think there is a reason behind it; there is always a trigger. I didn’t start investing because I wanted to make money and live lavishly. In fact, when my son was young, he was very sick, and when my family was unwell, I wanted to be a mother who could provide the necessary money without hesitation. I also wanted to be a daughter who could help with my parents' medical bills when they were ill. Without a trigger, I cannot move on to the next stage. However, if you come to my study group and create that trigger, and if you can invest the money you have to live a better economic life, that’s what I hope for. That’s why I am sharing my know-how with you. I am more than willing to do so.

I'm just an ordinary person, a regular salaryman. I used to think that success was something only special people could achieve. However, I realized that there is no single path to success; effort will not betray me. I believe that for an ordinary person, the key is to keep trying and not give up until they actually succeed. There is no success that happens overnight, but if an ordinary person puts in the effort, I think they can steadily walk the path to success, no matter how long it takes. If you feel like you can't invest right now because you don't have money, don't get too discouraged. I believe we are all at the starting point where ordinary people can embark on the path to success. So, I want to inspire you to run from that starting point and pursue the path to success.

I think it would be good to start together so that we can also put it into action. The filming is over, but can I really do this? Of course, you can! If you truly know nothing, it might be difficult. But, I didn't even have any savings at first. Even without savings, I thought, Why should I invest? I planned to invest as soon as I saved some money, so I worked hard to save. When a person has a goal, they tend to save money diligently. But without a goal, money just slips away. I saved money, but I didn't know how to grow it. First, and secondly, I can do it too! There might be concerns about whether I can learn this. I was just an ordinary working mom who knew nothing about investing. So, since I learned how to do it, you can do it even better!

You are currently investing in this way, right? Once you learn it, you can continue to do it. The method is something you can use for the rest of your life, and in fact, you can also teach it to your children. To the viewers, I just want to say one last thing: I really love you all. Please say a little more, just share your true feelings. If I really share my true feelings, I think some people watching my video might wonder, What is this woman trying to do? Does she have some kind of intention behind this? But I also started investing due to a certain opportunity, and if this video can serve as an opportunity for you, I genuinely want to share my know-how without holding anything back. I hope you can understand this sentiment better. I love you all.

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