육아: 자녀 양육을 위한 재정적 고려 사항

주된 관심사는 재정적, 정서적 영향을 고려하여 사생아 한 명을 키울지, 아니면 둘째 아이를 낳을지 여부입니다.

### 자녀 수 결정 시 재정적, 사회적 고려 사항
* 💰 둘째를 낳으면 **많은 시간과 비용**이 소요되며, **아이를 키우는 데도 많은 어려움**이 따릅니다.
* 💰 재정 능력에 따라 **자녀 수를 계획**하는 것이 중요합니다.
* 💰 아이들은 공짜로 키우는 것이 아니며, **아이 한 명당 연간 약 700만~800만 원의 비용**이 듭니다.
* 💰 자녀 수를 결정하는 데 있어 **가장 중요한 요소는 경제력**입니다.
* 🌐 한국은 OECD 국가 중 **자살률과 노인 빈곤율이 가장 높은 나라**로, 살기 힘든 나라입니다.
* 🌐 한국은 **목숨을 건 경주를 하는 것과 같아서** 살기 쉽지 않은 나라입니다.
* 🌐 한국의 젊은 세대는 어려운 삶을 살고 있으며, **상황이 바뀔지 여부는 불확실**합니다.
* 👴 노년기에 홀로 남겨지는 문제는 대부분의 사람들이 직면하는 문제이며, **많은 사람들이 결국 자녀에게 의존**하게 됩니다.
* 👪 궁극적으로 모든 것은 **자금력을 기준**으로 판단해야 합니다.
* 💸 세후 총 자산이 **15억 원 정도**라면 이 사회에서 부모보다 자녀에게 더 나은 삶을 제공할 수 있습니다.

I will make decisions for you instead of worrying about it. Give me a showdown, give me a corner. Today's topic is a very sensitive one. What is it? Well, there is someone who has one illegitimate child and wants to have a second child. But the dilemma is whether to raise just that one child or two. Look, this is a concern. This is a story that came up in the real estate training camp I run. Illegitimate child, second child. Hello, I am a woman in my early 30s. I am currently a full-time housewife, and I have a 14-month-old son. Congratulations. I graduated from a vocational school and worked at a large company for about five years. My husband is also currently working at a large company, in his late 30s. Lately, I have been struggling with whether to have a second child or to finish with my illegitimate child. Many people around me say that it's better to have another one quickly and that many wealthy people only have one child. It's tough financially, and raising a baby is.

It's pretty, but I have a lot to convey. How should I do it? I'm worried. If I have many children, it's a blessing, but siblings may not get along well. I know it will be reliable in the end, but the time and amount of sacrifice I have to give up are obstacles. Those who have already made plans for children may look down on my worries, but it's my biggest concern these days. It seems like I should stop being the main character. Looking at the fact that people call themselves full-time housewives, maybe they stopped because of this child. You can solve a lot in a short time. So, summarizing, I want to have a second child, but it will take up a lot of my time and money. And raising children is definitely not easy, so it's tough. I heard that wealthy people have only one child to raise them better somewhere. And around me, when one child is born, many troubles arise for no reason.

Because you go through hardships, the point is to finish all the hardships at once. There is the Marine Corps, if you go to the Marine Corps, it is two months shorter than the army. So, it's better to go to the Marine Corps, and pass through your 20s or early 30s, because those two months are short, it's better to come out and live in society. Anyway, why should you endure hardships for so long and come out quickly? In such places, there are warm advice, overlapping things to do, warm advice for living, and happiness given by lovely children. Also, looking at a happy family makes me a bit envious. However, there were many reactions to this. What is it? Discuss raising children with your husband. Other people's opinions are not important. But why do you ask here, and why do you ask others? I don't understand why people ask this here. So, the plan for having children is something that the couple should decide, why are you asking others about this?

But actually, I think it's natural to ask others. Because it's an unfamiliar path for me. Some people think like that. So, we are really concerned. That's why we are contemplating between the second day and the first day. I have one eldest daughter, and this is an endless homework. Both of them seem necessary, but I am also facing the same dilemma. I am in the position of a child, and I chose this opportunity. I rely more on my younger sibling than my parents. Even if my parents pass away, it's good to know that my existence in this world has someone on my side. I am thankful to my parents for giving birth to my younger sibling. [APPLAUSE] But on the contrary, some immediately come in with the opposite opinion. In many cases, siblings become enemies, so depending on each family's situation, they seem to be contemplating between the first and second child. So, what do you think about different opinions?

I was very intense, so, um, please grow one first. 53% say that, but the other 47% say give me two. So, what is my opinion? Today's topic is about this. What is 가불 깁니다? It means a technique that cannot be guarded against. When you play games like that old arcade game, there is an invincible technique that cannot be defended against. So, even if you say to focus only on this one, you will receive a lot of criticism. And if you say to give me two, you will also receive a lot of criticism. So, no matter what you do, you will face criticism. However, because I am someone who talks about money and investment, I thought that even if you receive criticism once, you should handle it. So, I chose this topic. Why do many people in the field of 분야라는 talk about this a lot? I want to say firmly that this should not be decided solely between couples. I want to ask this to parents as well.

Do not go because parents always tell you to go out, so I think you should ask people around you. Many regret making hasty decisions just between the two of you. However, it's not good to ask here. There are friends here. Do not listen to the stories of the neighborhood residents, especially those who have two children or two friends who have gone out. There are people among the neighborhood residents who have two children. Never ask these people because they always say you should have children. I have seen about a hundred people. If you ask them, almost 97-98 people will say you should have children. And about three people will say, No, I regret it a bit. It was too hard. Most of the people who regret it say, Because I'm so pretty, my child is so beautiful. Of course, most of the people who have children say it's great to have a child because they are so beautiful. This is not a lie.

So, if you just listen to that story and have another child, you might regret it. Who should you ask about this? You should ask someone who can give you economic advice. So, my words may not be the answer, but it's okay to ask people like me who talk about money a bit. So, ask those who can assess my financial situation. On the contrary, I think like this: many people think that having two children is enough without worrying too much. So when asked why they want a second child, they can't explain it clearly. They just think, Shouldn't we have two? Also, isn't it good to have siblings? When asked why having siblings is good, they can't think beyond that.

Many people might think, Isn't it something we just follow? Well, in a way, that might seem weak. Stories that have been heard since childhood can be perceived simply based on past standards. That's why many people really say things like this. However, even so, there should be two, right? If I were to ask in return, No, then how about three? If you say three, doesn't it mean two is not enough? No, if there are two, they can play happily together. But wouldn't they be happier with three? Playing with three kids is more fun, right? What do you think about that? It would be much more fun since you can play music in pairs. It could also be three against one, and there should be two kids for the game to work. When asked if there is a logical reason for the statement that there should be more kids, the fact is there is no logical basis. Having many kids doesn't make it better, and having fewer kids doesn't make it worse.

Just having a child is a good thing in itself. I always say this. People who are trying to have a child think that it's enough to just have a child. But a child is absolutely, absolutely not raised for free. You should think that from the moment a child is born, about 7 to 8 million won is spent per year. Even if you try to be economical, when you start to look closely, sometimes it can go up to 10 or 20 million won. Don't think that a child is free in a year. A child definitely does not cost less, and in a way, they spend more money than oneself. So, there is no correct answer. In fact, it's not about the concept of a correct answer. One child is good, two children are good; it's not about that. It's the realm of choice. Choice means, as I mentioned, there are standards. I absolutely see this standard as economic power. This economic power has various aspects, including the parents' economic power and also the grandparents' economic power.

There may be another one. In the end, the ability to support our child meaningfully is crucial. If we can support one person, that's one life saved. Supporting two is possible, leading to two lives saved. If we can support three, that's three lives saved. It's not just about me growing them on their own. However, many people say things like, It's not as expensive as you think, and With the mandatory education system these days, you can raise them with just a few tens of thousands of won. But children are not raised for ten years anymore; now it's more like thirty years. So, before giving birth, we need to think carefully. It's not a country where you just raise them until they are ten years old; it's not that time anymore. Now, you have to think about raising them until they are around 31 to 34 years old.

It has become a matter of course. So if I have a child, I think the child will grow up to be 30 years old. So, you should plan your children according to your financial strength. That would be the right answer. So, two of you have one husband working for a large company and one full-time housewife. So, this child is now 14 months old. Then, how much money will it take to raise him for the next 30 years? You should consider whether you can afford that money. Of course, if both of you suddenly start working again, your income may increase, and you may move to a place like Gyeonggi-do or Chungcheong-do outside of the Seoul metropolitan area where you can buy a house cheaply. Then, you will have more financial flexibility. Then you can have a second child. So, financial strength is the most important thing.

Then, is Korea a good country to raise children? If you have a child, there is a high chance that they will eventually be Korean. So, will these children do well as Koreans? So, is Korea a good country to raise children? Unfortunately, I brought OECD statistics. There is a suicide rate. OECD countries are considered well-off countries. However, among these well-off countries, Korea ranks first in the OECD. In Korea, about 24.6 out of 100,000 people commit suicide, while the average is around 10 people. Korea is overwhelmingly the top country in this aspect. So, in Korea, of course, there are psychological factors such as depression, but there are also economic factors. So, you could say that Korea is quite a tough country. If you think, Korea is a bit intense to live in, that could be true. So, talking about the suicide rate, it is discussed across all age groups.

When it comes to the youth, what if we only look at the young people? The youth are also ranked second in terms of suicide rates. I saw somewhere that our number one is Japan. However, the suicide rate in Korea is also quite high. So, it's a country where both the youth and the elderly are struggling a lot. Only those who are economically active are somehow managing to live in this country. You can't just look at the suicide rate alone, but it's really a tough country to live in. Sometimes I explain that there is an elderly poverty rate. The elderly poverty rate is the highest in the OECD, overwhelming at 43%. About half of the elderly population, around 40%, are in the poverty bracket. Therefore, poverty means that the income of basic manual workers is only about half. When they pay their rent every month, they worry about their living expenses. You can even consider them as having poverty symptoms.

I don't have a room, but it's 43%, so when we become elderly in Korea, it's not a country that takes care of the elderly. So, what can we do? There's really no answer, so some people make extreme choices, and if they get sick, they make really extreme choices, saying they don't want to burden their children anymore. There are many people who end up like that. So, if we summarize this, how about this? In Korea, it's like running a race of life to death. I think it needs to be changed, but the reality is like this. The younger generation lives too hard, so even the youth have a high suicide rate. In Korea, that's how we treat our children. Literally, Korean youth do not live happily, and the level of satisfaction is extremely low. It's a country where even the youth live painfully, and when they become young adults, it's too.

It's tough, and when I tried to figure out how to get married, I couldn't find an answer. But as I live my life, looking at the elderly, 40% of the elderly are in the poverty bracket. So, the answer is not clear, but the average lifespan is very high. Therefore, I think this country is running a race of life and death. So, Korea is definitely not a great country to live in. I am also Korean, and I love Korea, but Korea is really a country where you have to be very clear-headed and live properly; it's not a country that will hold your hand at all. That's why many people just gave birth without much thought. It seems like the concept of brothers should exist, but it looks a bit lonely. So, I'm upset. In the past, in the 60s and 70s, people grew up on their own. At that time, many things were much better, and since people lived back then, they just...

After just sending kids to school, what they did and how they spent their time studying was up to them, but now it's not like that. Recently, I had a conversation with someone in their twenties, and all I felt from what I heard was that the world is so tough. I'm in my forties now, and the generation about 20 years younger than me lived very differently. Their work and way of life were different. Nowadays, having a good educational background doesn't guarantee employment. In the past, if you graduated from an engineering school, you could still get a job, but now, even if you graduate from an engineering school, you can't get a job. Only those in the field of computer science barely get employed. I felt that it's a difficult time where there are no clear answers. So, students and young people today are living a tough life.

Will things change? Oh, it doesn't seem easy. Actually, so now, how did the younger generation get through it? Even if it's hard, can they live diligently while achieving financial independence from that point on? It seems impossible. Without parents' help, it will be difficult. The current generation, so parents need to help in order to obtain a good educational background. Even with that educational background, it's hard to get a job, so parents need to help again. And even if parents help with employment, no matter what you do, your life plan doesn't work out. So, in the end, achieving independence also becomes a situation where parents can't help. Therefore, many people are now saying, If you fall, you are too lonely. Many people say things like this, especially now, if this child is left alone, they might feel deserted, right? In fact, you.

Some people may think they need one more child, while others who already have two children talk a lot about this. When there is not much of an age difference between the two, they naturally read books together, make toys, and play together joyfully, turning their home into a playground. It's even more fun with three kids. In homes with three children, the first ones seem to live happily. So, you might think that having many children at the beginning could be burdensome, but I want to talk about this here. Children do not just grow up until they are ten. Until the age of ten, it can be crucial for them to play with siblings and such. Once they are over ten years old, they usually meet many friends, and the concept of parents having to entertain them becomes rare. Back when I was in 3rd or 4th grade.

From a certain point, when my parents suggested, Let's go on a trip, I used to refuse. I just didn't want to go with them and preferred to hang out with my friends. This weekend, my parents are going on a trip, and I decided to stay home alone. Sometimes, I recall those memories. For example, when they said, We have plans with your grandparents, I remember being busy and making excuses not to go. Children don't just grow up until they turn 13. Many people talk about this. There is joy that comes from having siblings, right? Naturally, there can be some joy and support that siblings provide. So, especially when watching certain shows, where sibling relationships are portrayed, you might think, I should raise my child like that. But in reality, they know us well.

It can be eaten, and our siblings can also fight, stop, and eat or stir-fry. And they can also suffer a lot. So, having siblings doesn't always mean growing up well, and being an only child doesn't mean going the wrong way. Therefore, everything is my opinion. And you may not agree with my opinion. I'm not saying that what I say is right to you. I'm just stating my standards. I believe that children should not be the goal. What's more important is the couple. Let's live happily as a couple. In a way, having children is for the sake of the children. I don't think I have to give up everything for the children. Because just having many children without any goals is happiness. It's not such a happy couple. There are people like that too. It's good for those who are so happy raising children to have many children.

How about two minutes? Right now, Yuga is having a hard time, and the baby is cute. Of course, a child is cute. If you're young and watching music, you might go crazy. It's so cute. But I have a lot I want to do, and many people want to do something else later. So, for these people, they should consider not having a second child. Based on what criteria? Based on financial capability. So, you need to prepare for the retirement of the couple now. In Korea, there is no poverty in old age. So, it's not the time to worry about the child now. Think about our couple now. If your husband is in his 40s and not prepared for retirement, it's not good for us. We have to live until about 80 or even 85. Oh, and you retire around 60. How are you going to live for the next 15 years? This is important. What are you going to do for the next 25 years, and so on.

Put it aside and let the child handle it. You have to take care of this child too. I will take care of this one too. It's said that you have to raise them for about 30 years. So, first of all, think about whether you are confident enough to entrust your old age to your children. If you have a second child, inevitably, your income will decrease. Because once you raise one child for a bit, around 10 or 12 years old, mothers start to have a bit more free time. But if you have a second child, you have to raise them again, so your free time keeps getting pushed back. Then you won't even have time to work part-time. In extreme cases, income will inevitably decrease when you have a child compared to when you didn't. And expenses will naturally increase. When a child is born, money will definitely be spent. But many people also say this.

No, it didn't make as much money as I thought. Even though I spent a little money on room decoration, it didn't work out. I asked those people, How old is this kid? Oh, we have a 10-year-old and a 6-year-old. I see. How much will they need when they turn 18 and 2? If they just became middle school students at 14, how much will they need? Have you calculated this? Nowadays, young kids like them can't make money, but because they won't stop at the age of ten for their whole lives, they need their moms and academies. So, who wants to go to an academy? Where do you want to go? I want to study math and English. Okay, how much is the academy fee? It's 100,000 won. Okay, then I want to study science too. Alright, but the second child won't cost much. I estimate it's 800,000 won.

Oh, okay, got it. But how much would it cost for a 28-year-old to get married? So, how did you manage to save up? Mom, I have to get married, but how am I going to come up with 30 million won? 40 to 50 million won, how am I going to afford to get married? The top priority is to buy a house with no debt. How much do I need for that? Oh, how much do I need for that? I have to help my brother. I should help him too. I'm getting married soon, but I haven't even thought about it. What should I do? But I will get married. I have to. And I need some money to break up with my current boyfriend. I need about 5 million won, right? I need to have a 5th cousin, right? Why did you guys leave me behind? It could happen. There are people like that. The second child is a burden. That's why my business is doing well. It could be like that. Of course, it could be. But in reality, it could be a form of what? Shamanism or something like that.

There is no second that actually helps economically, right? It could give some psychological stability and lead to becoming wealthy, but ultimately, the more children you have, the weaker you may become economically. It seems like an unavoidable fact. People who overcome this and become wealthy might not have become wealthy even with just one child. So, the idea that having many children leads to wealth is a wrong logic. Being wealthy and having many children is a logic that could exist. Therefore, it's best not to misunderstand this. So, why do I talk about this so much? Why do I talk about this so much? Well, I do things like this at the top, right? If you don't have children, there are many people for whom retirement life is completely impossible. There are quite a lot of people like that, where some daughters or sons are mostly responsible for their parents' livelihood.

There are many people like that, but those people are also trying to live their own lives, so they say they are seeking counseling now. But the problem with these people is that their two children have their own daily lives. So, what is this? It's because of the parents. It's unreasonable to cut ties with their parents. However, their parents are not financially prepared for old age, they have no savings, they have health issues, so they need medical expenses, and they need outpatient treatment. They need someone to take them back and forth. So, these children end up spending almost all their time taking care of their parents, giving up on marriage. I have had counseling sessions where people in their 40s, late 40s, or 50s are currently taking care of their parents.

Many people couldn't answer because they were busy preparing. So, this could be about someone else's story, but it could also be about you. As I mentioned earlier, our country is not a caring country. It's not a country that says, Live on your own. There's a word called Downward Love in Chapter 2 of the Bible. What is this Downward Love? It means to give down, not to give and then receive. Downward love is giving down. It's not love to say, I gave you something, so you owe me. So, some people say, I don't expect anything from my children no matter what, until I die. They say, I won't burden my children with anything, whether it's at 72 or 82. But there are many people who haven't prepared for retirement properly. That's where the problem lies. This issue of being left alone in old age is what most people face.

Many people wish for a long life without illness, but there are also many who do not. Illness can suddenly come. Therefore, in the end, children end up taking care of it and taking responsibility. So, in a way, this can become a vicious cycle. Some people think that if we study well, our children will study well too, go to places like Silicon Valley in the United States, work at companies like Apple, and so on. Some people view their children as an investment and think, If I don't have one child, at least one of them will take care of me. Some even try to teach their children golf. Perhaps in the future, the world may become even more challenging than it is now, and it might be a more appropriate choice to simply focus on living and surviving.

I think it will be difficult for the world to become more comfortable in the future. A tougher world is coming, so I thought it's necessary to not expect too much from me to our child and to pursue as much as I can give. This isn't something that ends when the child is ten years old. It doesn't end in childhood. It takes 30 years to raise them. And when you come here, there will be people who say such things. They speak so coldly. The birth rate is already dropping, but by saying this, are you trying to lower it even more? There might be people who argue like this. And some may say that the existence of a family can be measured by money. There might be people who say that the happiness provided by family cannot be bought with money. But I want to question those people. It's a waste even for those who say such things. What parents do is...

When you think about it, in a way, it's like when you have to pay for your parents' medical expenses. If that happens, it's a bit tough for me this time, so it wouldn't hurt if my older brother could help a little. Many people say things like this. So, it's easy to talk about others, but if you don't have money, it often leads to family conflicts. So, ultimately, everything needs to be judged based on financial power. Even though there are happy couples and families without money, there are far more families and couples who become unhappy because of money. Therefore, make sure to ask yourself, plan ahead, and make plans for your children. In conclusion, make sure you are prepared for your retirement, and then you can be worry-free. It will definitely work out. This is like our parents being billionaires. If that's the case, then our grandmother owns tens of thousands of square meters of land. Then, can we just split it among the four of us? But if that's not the case, then we need to think it through.

How much is it per child? There is a research result that says it costs 500 million won per child. This is for the new generation, it's not for the old generation. It's not 350 million, it's 500 million. With the remaining 229 million after taxes, what are you doing with the net profit? Although there is a year-end settlement, Oh, I'm giving my child 500 million, then if you have two children, it will be 1 billion won. We don't have 1 billion, so what should we do? Now, it's time to endure a bit of hardship. Also, you need to set aside retirement funds separately. If you have around 500 million won after taxes, so about 1.5 billion in total, you can think, Even with two children, I can provide them with a better life than mine in this society. So, try to plan once. This means that our country needs to change a lot now. Our country is in a situation where it cannot afford to have children because of these things. Therefore, save money diligently and pass it on to your children.

Please, those of you who have two or more children may get upset watching this broadcast, but even now, please take some time to plan again. We have no problems, so if you live happily, that's all. It seems like we might have some problems in the future, so we need to prepare in advance. When the time comes, it's too late. Some people end up using overdraft accounts to pay for their children's private lessons or suddenly take out a home equity loan to pay for their parents' medical bills. I wanted to tell you that this is not fiction, it's reality.

"둘은 낳아야 하지 않을까요?"자녀는 절대 혼자 크지 않습니다.

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많은 사람들이 자녀를 더 많이 낳아야 한다는 압박감을 느끼지만, 결정에는 재정적인 고려가 수반되어야 합니다.

자녀가 많을수록 좋다는 믿음은論리보다는 전통에 근거하는 경우가 많으며, 자녀가 많을수록 유리하다는 실제 증거는 없습니다.

아이를 키우는 데 연간 수백만 원, 많게는 수천만 원이 들기 때문에 저렴한 비용으로 아이를 키울 수 있다는 생각에 도전합니다.

아이를 낳는다는 결정은 약 30년 동안 아이를 부양할 수 있는 부모의 경제력과 능력에 따라 달라집니다.

한국의 높은 자살률과 치열한 생활 환경은 과연 한국이 아이 키우기 좋은 나라인지에 대한 의문을 제기합니다.

한국 청년과 노인의 열악한 삶의 현실

한국은 청소년과 노인의 자살률이 높고, 노인 인구의 상당수가 빈곤층에 속해 있습니다.

한국의 어려운 환경은 젊은이들이 일자리를 구하고 행복하게 살기 어렵게 만들어 힘들고 만족스럽지 못한 삶으로 이어지고 있습니다.

학력이 더 이상 취업을 보장하지 않는 현 세대는 과거와는 다른 어려운 현실에 직면해 있습니다.

형제자매 관계가 아동 발달에 미치는 영향

형제자매가 있는 경우, 특히 10세까지는 독립심이 강해지고 친구에게 집중하기 전의 어린이에게 기쁨과 도움을 줄 수 있습니다.

형제자매 관계가 항상 완벽한 것은 아니며 기쁨과 갈등을 모두 포함할 수 있지만, 자녀의 양육에 중요한 역할을 할 수 있습니다.

뚜렷한 목표 없이 단순히 자녀를 많이 낳는다고 해서 행복한 가정생활로 이어지지 않을 수 있으므로 자녀를 갖기로 결정할 때는 부부의 행복을 우선시해야 합니다.

둘째 자녀를 가질 때 고려해야 할 재정적 사항

은퇴 후를 대비한 재정적 준비는 둘째 자녀를 가질 때 고려해야 할 핵심 요소입니다.

자녀 양육에 드는 비용은 소득 감소와 엄마의 업무 능력 저하로 이어질 수 있습니다.

재정적 영향은 교육비, 결혼 비용 및 기타 예상치 못한 지출을 포함하여 미래까지 확장됩니다.

자녀 출산이 미치는 경제적 영향

자녀가 많다고 해서 경제적 부를 보장하는 것은 아니며 오히려 재정적 안정성을 약화시킬 수 있습니다.

준비되지 않은 부모를 돌봐야 하는 부담은 고스란히 자녀에게 전가되며, 이는 종종 자신의 삶과 기회에 영향을 미칩니다.

이로 인해 성인 자녀가 노년기에 부모를 돌보는 책임을 떠안아야 하는 악순환이 반복되며, 부모 노릇의 복잡한 경제적 영향을 강조합니다.

자녀를 양육하는 데 30년이 걸리고 재정적 스트레스로 인해 가족 갈등이 발생할 수 있기 때문에 장기적인 재정 계획과 준비가 필요합니다.

많은 사람이 가족의 행복은 재정적 안정과 밀접한 관련이 있다고 생각하며, 자녀 양육 비용의 증가로 인해 미래를 위해 미리 계획하고 부지런히 저축하는 것이 필수적입니다.