I am a 23-year-old woman working at a beauty salon. My income is around 400 to 1 million won, so on average, I earn about 770 per month. When I calculate it for six months, it's just about that amount. Then, annually, it's mostly around 10 million won, which is close to 100 million won. However, there are people close to 1 billion won due to ranking. I also save a lot, but let's see what the problem is. Hello, I am considering quitting my current job and starting a new business. Since high school until now, working various part-time jobs, I have been steadily receiving a monthly salary as a skilled worker at 25 years old. Income varies depending on how much effort you put into it. To reach around 700 to 1,000 per month, you need to work really hard. I had a phone call with this person, and they work over 12 hours a day. They must be doing more than just hair all the time; they are young and do various other tasks.

So, I guess they wouldn't be high-ranking in that hair salon. Dealing with various things, there's a lot of stress. I was really curious about cutting my hair. Nowadays, it's all about making reservations, right? Yes, exactly. There's no time for lunch. If you look at it, from around 10 o'clock until about 8:30, there's no separate lunchtime. So, when do these people eat? Personally, I was very curious about when they eat. When do they eat? Maybe they eat little by little when there's a break in between cancellations or while doing perm. At times like that, they probably eat little by little. So, if they don't have time to eat, it means they can't even find time to eat properly. Even though they are busy and making a lot of money, they can't even properly take the time to eat. So, I think this person finds it a bit difficult. Honestly, it's the same for self-employed doctors. So, even doctors, while working, earn money.

Because they earn money there, they also eat hamburgers and sandwiches. So, even the person I know earns a lot of money, there is no lunchtime. Of course, there isn't. So, there's just a small sandwich next to their desk now. So, when they take a break while working, they eat it, and they earn a lot of money. This is the situation. So, they invest the most time in making money, increasing their income, and also increasing their savings. They thought they were doing well. Until they heard their boyfriend's words today. Their boyfriend said to them, What did he say? You may earn more than the average monthly salary, but ultimately, if you don't work, you won't have any income. In fact, if we calculate your working hours into an hourly wage, it's ambiguous to say that you earn more monthly than others. Wouldn't it be better to create a structure where income comes in even if you don't work? After hearing these words, they had many thoughts.

I heard that I work for about 12 hours, and there are days when I work more than that. In fact, if it exceeds 12 hours, I just sleep and wake up to work. I actually work for about 18 hours. So, after showering, eating, and subtracting those times at home, I only sleep for about 4 hours at home, and the rest is just work. At that time, I earn money like this. So, working for more than 12 hours, if you subtract meal times, commuting times, shower times, even sleeping time cannot be secured. It's not possible. About twice a week, I go to work at 7 a.m. and leave at 12 p.m. for company work. I used to live like this in the past, but this is not how people should live. Real rest is only one weekday a week, but even that has become a day to go to work while watching the company's eyes. So, I understand why my boyfriend says this. Actually, it's not 12 hours.

In almost a month, excluding sleep time, I work almost all the time. When I hear about working 52 hours a week, it sounds like someone else's story. But how can I? For self-employed or freelancers, they earn as much as they work, so they can't let it go. They can't let it go, and it feels like a mix of being a company employee and a freelancer. You have to be careful and go to work, so when you see these things, it's like both are under stress. So, some may see this as a good thing. Literally, if you calculate it hourly as my boyfriend mentioned, it's not that high. But the hourly rate isn't high. There are limits to what you know, unavoidably, because there are limits, if it's a job that is getting higher and higher, then it's still better. But if not, then I start to worry. I only have three vacations a year, for Lunar New Year, Chuseok, and summer vacations. It's a bit like a construction site. It's the same as it used to be.

It's the same in Seoul and Choo, and I get to take a break for a while in the summer vacation, which is not easy, but anyway, I worked 300 days a year. 300 days exactly, considering those 52 weeks, then really, resting on Sundays for 52 weeks, then now, Lunar New Year, daily off, monthly off, annual leave, watching for the right timing. The reason I work so hard like this is that I need to move to connect with the company and my income. Under the guise of a freelancer, the company is contracted, so time is not flexible. So, I poured all my energy into it when they said, Let's give it our all. But now, things have changed a bit. If I invest this amount of time in whatever I do, can't I earn as much as I do now? My boyfriend is looking at another business. If I invest time in the business like my boyfriend, I could create a structure where income comes in even when I'm not working, right?

There was a story about asking for advice from a male friend, saying, What do you think about it from your perspective? I have been working continuously, saving steadily, and wondering if it is right to invest after saving, or if it is better to create a new business structure. It was a plea for help. So, he suggested looking at it from a different perspective. I worked hard to earn a living for seven years. During those seven years, I also invested. However, as time passed, there came a moment when I wanted to quit. Right? Especially when I didn't feel fulfilled in that job and if other stresses came along, I would question if it's right for me to continue doing this work. I would think, wouldn't it be better to earn a little less but do something good and what I want to do? Sometimes, I get this feeling of regret. But could it be that after hearing such advice from a male friend, those thoughts of regret have surfaced a bit more?

So, to others, it may seem enviable to earn over 700 million won at the age of 23. Now, as I mentioned earlier, I also worked hard like that for about 7 years. The reason is that the hourly wage is very important, and the amount is also crucial. This person now earns nearly 100 million won a year. Simply put, if you organize from here and start a new business, for example, for about 5 years, you can earn at least 100 million won even if you work a little more. If things go well, that's the idea, but it may not work out. However, if you just continue like this, you will simply see 500 million won in total. So, you need to consider the concept of total income. But now, my boyfriend says, Aren't you working too hard? So, from here, you can also do it in a hybrid way, meaning you can reduce your work a bit.

I think it's like this. Usually, people are good at one thing, right? It's not easy to be good at two or more things. People who are good at two or more things, they can't do both well. They are just average. When people talk about abilities, they talk about hexagonal abilities. Some people are outstanding in one aspect, but they are only good at that. They may score 5 out of 10, not excelling beyond 2 or 3 points. So, it's ambiguous how to succeed. Therefore, I think this person, even though they are 20 years old, and despite not having much experience, seems to be doing a lot of work. Anyway, they must be good at something, right? Yes, that's right. So, in this situation, wouldn't it be better to look for something in the industry that pays well hourly?

First of all, in my opinion, these days when you look at hair salons, they are really all different. I'm not the type to wander around on the internet. What's up with charging 100,000 won for just cutting hair once? Men's haircut starts from 55,000 won. But here, there's a wavy mark, indicating it starts at 5 won. It's so funny, you have to get consultation. There's a world like this where putting in 50,000 won for a haircut exists. But if there is a world like that, it means there is demand. From my perspective, this person seems to be quite capable. So, hair salons usually go through apprenticeship, learn the hard way, and then use that to start their own business, maybe even start a business next door. There are opportunities for entrepreneurship, so I think it's the right path to take. First, I think so. Next, working in the industry, as I mentioned earlier.

There are many types of startups with much higher hourly wages than opening a beauty salon. It could involve providing education or other methods. So, you should explore within that. It's about shifting from duty to desire. Suddenly, you might decide to go to medical school or start a food truck. By suddenly choosing to do a food truck or deciding to cook, you might leave behind what you are good at and head towards what you are not good at. That's right. I remember seeing something on YouTube a long time ago. There was a person who played the piano very well, but tried to succeed with singing. It's regrettable. So, there are people who like something and are good at it, but they like what they can't do and dislike what they are good at. So, what the boyfriend said is wrong.

No, it's not wrong, but making money like this, having money, and having investment capital, well, it's quite important. Perhaps, in the eyes of your boyfriend, working 12 hours a day and earning money may seem pitiful, and that's why he might feel uncomfortable. Now, this could be a sensitive issue, but it must be addressed. What I mean is, your boyfriend is starting a business, right? Because your boyfriend is starting a business, he may talk to me about this, but then, you should definitely ask if your boyfriend's business is really doing well. Because there are many people like your boyfriend who invest a lot of time in their businesses. However, whether the business is really doing well is a different story. I personally think that running a business is much more difficult than self-employment. Just setting up a business doesn't mean it will succeed.

No, it's not just about having good items, and it's not just about having good technology for a business. There are many complex things from marketing to legal issues, so there may be things that I can't do. Even if I can't do it, it's not fair to judge based solely on the hourly wage. Of course, it's right to do something with a high hourly wage in the long run. Yes, so now I have to work with my partner. I need to consider what kind of work my boyfriend is doing. For example, if my boyfriend is doing really well, like succeeding in business with high annual sales reaching tens of billions, but when he looks at me, he might say, Do you want to do business? You shouldn't just stay here like this. Then, I might consider trying, but if my boyfriend is earning similarly, then...

With a lot of free time, for example, a boyfriend goes 250 times a month. For example, there are many people who cannot make money if they start a business, so that's not advice. If you listen to that advice, it's not right. Also, there could be misunderstandings here. It could be that the boyfriend is not in business but in self-employment. He could be running a store or something like that. But some may misunderstand this as a business. So, doing self-employment like running a restaurant may seem to work well, but it may not work out, so there are risks. It's not something you should definitely listen to. You should probably have a conversation. Hello. Hello. First, I've read the story thoroughly. What does your boyfriend do? Oh, he's currently running an online store. Oh, an online store. It's been a year since he started.

It's been a year already. So, are you making some money through sales now? For the online shopping mall, the monthly sales are around 30 to 40 million won, and the net profit is around 4 to 7 million won. So, first of all, don't worry too much. First of all, I am earning more, right? Oh, what is it? First of all, I am earning more, right? Then, let's talk again when you reach 10 million won. Your boyfriend is self-employed too, right? In a way, it's like a one-person online shopping mall. Your boyfriend seems to be working hard too. Yes, he is working really hard. Just because he's a boyfriend, does he take it easy more than me? No, when it comes to actual working hours, it seems similar. Right. But now, your boyfriend is like that. He can hire employees and grow the business, having some capacity. Right, that's true. Now, the limits are clear, right? Yes. Then, should I open a shop now, opening a shop.

Do you have any hopes or goals for the future? No, I don't. Oh, this job is not really my thing. As time goes by, my interest in beauty is decreasing a bit. I was thinking about finding a new job. I've been in the beauty industry for a few years now, a little over three years. And I've been a designer for about six months. But you seem to be doing so well, being praised. Well, the area I'm in has quite a few foreigners, so with the rise of K-beauty through pop culture and dramas, foreigners want to experience the Korean style a lot. Yes, so the number of visitors is increasing. But my customer base isn't that big yet. I guess you just work a lot. Right. And my boyfriend also says I work a lot. Because you're not finding it hard now, right? It's tough. My body is really tired.

Don't you know? I feel like I'm going crazy. Is it crazy? Oh, is it that serious? In that case, if I want to reduce my work hours a bit, can I do that? Like, can I work at a different store instead of here and reduce my hours? Right, if you go to a different store, you won't have the same number of customers coming in as now, so it feels like starting from scratch. Yes. If I want to have more personal time or take more days off here, I'll have to wait another 2 to 3 years, right? Oh, I see. Okay. So, if I work for another 2 to 3 years, will I get more days off and maybe a higher hourly wage? It's not about the hourly wage concept, right? Still, compared to working now, a little more... Yes, because even though you've tried other part-time jobs, in reality, you originally said you didn't want to work every three months, every year, or every three years.

Well, I want to stop this now and I don't have any desire to do something else. I think I became interested in the shopping mall side while listening to my boyfriend's shopping mall story. What kind of shopping mall are you interested in? What kind of shopping mall do you sell? It's a clothing shopping mall, and in addition to clothing, we also do styling and take photos, and we handle the pages, and we still have CS. If the monthly sales increase, anyway, I plan to hire employees and continue with a more efficient business structure. Oh, so you're thinking of doing some business with it, right? I'm thinking of doing some business together, and I personally have a thought of starting one. Oh, I've always been interested in fashion and things like that, and have you heard people around you say you should open a shopping mall because you're good at it? Have you heard occasionally? I was interested, yes. Right, people around me don't say it often, and I can't say it often. Have you heard that I'm good at doing makeup? I think I'm good at being polite and hardworking now.

I think it's right to stay in this area. First of all, because the shopping mall side is also very competitive, and sometimes it does well and sometimes it doesn't, due to such fierce competition. Anyway, changing the entire industry involves some risks. I think it might be better to focus on the market with a large presence of foreigners, as I mentioned earlier. Then, within that market, could you start a beauty salon with a unique concept? That could be a way. Anyway, what you're doing seems to be going well. Since the unit price here is low, actually, if you increase the unit price, it should work. So, could you find a way to increase the customer spending? Also, no matter what you do, you need to have some seed money. Whether it's a shopping mall or any other business, you need seed money to start, and then, without any income...

While you need to make a living during that time, even if it's tough and you don't like it, even if you get a reality check when you hit your mid-30s, from the point where you become a designer for about a year, you have to endure a bit, save some money, and then if you are recognized for your skills a bit, you might get scouted to somewhere else or something like that. If I apply to a place with better working conditions than now, it could be possible. So, build up your skills a bit, and you could move to a place with better working conditions, like a franchise hair salon, where you can earn a bit more money by sharing the profits. By doing so, you can save up some money. It's like riding a bike; even if you leave and come back, you'll be acknowledged. Yes, experience, that's right, it will be acknowledged. So, save some money for a year, try a business once, and if it fails, it fails.

I might not make it. I should focus on what I'm good at, because if I think like that, I might be able to come back. However, I don't have that much money right now, so for the time being, I've been doing my main job for about six months. After the internship period, I still feel it's too early to organize something, and I'm not making money yet. Even though I'm struggling with money right now, if I receive 300, they would tell me to leave immediately. But that's not the case now. There aren't many places where I can earn this much. In fact, there aren't many. Even if I graduate from medical school, I can't earn this much at the beginning. I'm just a student. If you want to come out as a doctor, you haven't earned anything yet. What's the point of coming out as a doctor? If you calculate the income of your life now, even if you come out as a doctor, you might have more income at the age of 30.

If that's the case, right, right, that's right. Yes, so what I'm doing well now is quite challenging. How could I reduce the time of work a bit? It seems possible to shorten the working hours a bit. Because I'm earning too much now. Even earning around 4,500 is enough at my age. But even though I earn a lot, I can't spend the money. I can't spend money at all because I'm too busy. Of course, if I can't spend it at all, it's like barely surviving, not doing anything at all. I spend more on others than on myself. I don't even have pocket money, so in this situation, you might wonder what I'm doing. I don't think the current situation is very bad. It's not a bad situation. On the contrary, it might be a good idea to save a little.

I think it will be okay. Actually, I currently have around 80 million won combining regular savings, deposits, subscriptions, and stocks. I'm 23 years old, and I have a lot of work hours right now, so I can't focus well on investments. However, since my income is unstable, could you please tell me how to manage my assets wisely in this situation? First of all, I don't have much time, so I shouldn't do things like how to respond to this kind of situation. If you really want to invest in stocks, you should only invest in index funds like the NASDAQ or overall index investments. Don't invest in individual stocks. Oh, and I think it's fine just to continue with deposits for now. If I save 200 or 300 a month, how much will I have accumulated in a year?

Thinking about the rate of return, I used to think that I should manage this money well. For example, like I mentioned earlier, if I invest in NASDAQ, it could suddenly drop. Then, it could cause a lot of stress. Anyway, I'm going through all this trouble, not even eating, and if suddenly 10% disappears, like if I bought Tesla or something and it just keeps dropping, for example, then my main job might not work out. But the truth is, now I earn much more from my main job, so even if my net worth of 80 million won goes up by 10%, that's 8 million won. In fact, I earn 800 in a month from my main job. So, investing now is really just about doing it comfortably. It should never affect your main job. So, I think it's fine to just keep putting money in a time deposit.

Let's just save up to about 200 million won without thinking about it. Oh, that sounds good too. What about, actually, that stock also, it was 680, 320 million won, putting in 320 and it became 680. Putting in 320 and it became 680. Yes, what stock did you buy? Did you buy Apple stock a few years ago? Oh, you bought Apple shares, then just buy Apple. Just buy Apple only. Oh, just buy only Apple. What about just buying one thing, just buying one thing? Don't study things like bio or stuff like that, don't study that, just do what you like, just buy one thing you like. Just buy one thing continuously, like buying one U.S. stock, just buying one, that seems okay. But if you find your work here too hard, you might think about making money through stocks, like this, if you start neglecting your main job, things will not go well, so you should be careful.

One of the things I'm concerned about is that because I work long hours, it's hard for me to study something new. I usually get off work after 9 p.m., so I have little leftover time. I thought it would be nice to start a business to make more time and study real estate, hoping to have more time for personal growth. What time do you usually go to bed? Usually around 12 o'clock. I have set working hours, so I drive to work. Oh, that's not it. I want to say this now. What I want to say is, don't think of studying differently. You can study even in a hair salon. What I mean is, foreigners come to this hair salon, right? And those people come here to get their hair cut and all.

You know, so right now, I'm not just cutting hair and doing perms at the hair salon. In fact, here we also do marketing, finance, probably even things like handling chemicals, and managing inventory. This place is, in any case, a business. So, don't just think that I'm simply cutting hair. How is this business structured? There must be some representative here, right? Then, how does that representative manage clients, negotiate prices, and how do they get things at a lower cost? These things must exist. And even when hiring a simple employee or choosing scissors, there must be some criteria, right? We study these things. If you actually want to start a business, then how is this place...

Study whether you should go back or not. There are things that shouldn't be done and things that will go well. If I were to think about what I wouldn't do here, I would think about how to fix it. If you study the beauty salon well, it will definitely help you, whether you run a shopping mall or do something else. So, if you study a completely different industry here, like real estate or suddenly decide to study semiconductors here, I think it's not good right now. Because you are still young and it's better to build your career here for now and think about how to run a business. I think it's better. First of all, it's not easy to make money by investing over 5 million won in yourself because you have some kind of ability, whether it's perseverance, talent, or something.

What if it becomes a hobby and you pay more than 500, then the boss says, so you don't have to think that this is not my way. I still want to think that way. So, try running this store once. How does this store operate? And it's good to challenge something new. It's good to challenge something new. It's good to challenge something new. But I think it's a bit risky to try something when you don't like it. Sometimes you don't like it, but then you have to find out specifically what you want to do and what you are good at, and you have to move a little. Should we study this once? Everything is fun, right? Even just watching real estate YouTube videos is fascinating and fun, right? Just watching auctions is fun, and just talking about stock investments is fun. If that actually becomes my job, it's a different story. So, as I said, I will just gather up to 200 million won completely.

Think about it. Rather than now, even though this is a small store, how does this store actually operate? Why do customers come, how do ingredients come in, how do you do marketing, how do you pay taxes, there's so much to learn. When you see things like that, and wonder why the neighboring stores are not doing well, why we are doing well and they are not, pondering on these things and putting yourself in the mindset of the owner when you come to work at the store for a day, as you will have to be here anyway, for more than 12 hours a day, starting with what you can learn from there, wouldn't it be better to do something else after learning? Don't be swayed by your boyfriend's words. There are many comments like this saying, If your boyfriend is successful in business, you will be too. If I do well, then it's good. And if your boyfriend is really successful in business, you might be needed. Then, as I mentioned earlier...

If you study well about running a beauty salon or something like that, it will be helpful for you when you actually go in as an employee there. It would be good to think about this a little more. Thank you for sharing your story, and please contact us again if things go well later. Alright, thank you. Thank you. Thank you.

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