As we age, our expenses tend to increase while our income decreases. In this context, how can we reduce our spending and save money? Today, I would like to discuss that topic. Hello, this is Woo-yeon from Camping. I hope you are having a great weekend. For seniors, there are many places to go, but not enough income, which leads to various concerns. Many are trying to save in different ways, but what is the biggest advantage for seniors? Yes, you are rich in time. If you invest just a little of your time, you can save quite a bit of money. I recently returned from a trip to Thailand, and as I mentioned before, I used a credit card I made in Korea to spend $4,000 as living expenses. In return, I received over $850 in travel credits from that card. With that money, I bought plane tickets and then...

I also paid for the hotel with that money. Moreover, at that time, I introduced you to that card. If I introduce three people, I receive an additional $500 credit. Introducing more than that is not beneficial. So, if you use such a card and think it's good, and introduce it to people around you, in my case, I end up gaining about $1,300. Therefore, this $1,300 was made from spending just $4,000. That's a significant amount of money; $1,300 just came in without having to work. However, there are quite a few ways to make money in this world with just a little bit of thought. So today, I will discuss twenty ways seniors can save or earn money, as mentioned in US News. Please pay attention and make wise judgments.

When it comes to making decisions, a lot of money can be saved. First of all, when we become seniors, starting at age 65, those living in the United States are required to enroll in Medicare. You must enroll in Medicare, although the situation is different for those with very low income. When you enroll in Medicare, money is deducted from your account every month. This expense might feel wasteful, and even in cases where you have coverage, that money continues to be deducted. Additionally, because you receive Social Security Administration (SSA) benefits, you cannot stop these deductions even if you want to. This is because the money is taken out first before the SSA benefits are given to you. Unless you stop receiving SSA benefits, this money will continue to be deducted until you pass away. Therefore, you need to use this wisely in order to benefit from it. Medicare has several parts: A, B, C, and D. I've talked about Medicare many times before, and starting from October 15 of this year, there will be more updates on Medicare.

You can renew it. So around that time, I will let you know about a special broadcast. For now, let me briefly explain that within the United States, some insurance companies hire agents to provide alternative Medicare through Medicare Part C. Of course, there are more benefits, but there is a downside. If you don’t have Medicare Part C and you have private insurance, you can go to any hospital in the U.S. freely. However, if you choose Medicare Part C from a specific company, you have to go only to the hospitals within that network. This does pose a slight disadvantage, but these companies offer various benefits to attract customers, especially for those living in large cities, who receive a lot of these benefits. For instance, in LA, you can also purchase health supplements, and some of the money can be reimbursed.

There are benefits that may not be necessary, but there are ways to get almost all the money you paid reimbursed. So if you are in Korea but cannot cancel Medicare in the U.S. because you need to receive SSA benefits, you might be unaware that there are cases where you have to come to the U.S. for surgery due to a serious illness in Korea. In preparation for such situations, you might want to keep it active, but the monthly fee of $160 can feel like a waste. For those individuals, there are actually plans available in large cities where you can get almost all of your money refunded. In the U.S., there are about 3,998 Medicare plans available. When you look at all the options, there could be over ten thousand different plans. Therefore, I can't explain everything in detail. Additionally, these benefits tend to be greater in large cities, for example, in LA.

In New York or New Jersey, there are many companies, which means there are many benefits. Even in Las Vegas, the benefits are fewer. In the central part of the United States, there may be cases where you receive almost no benefits. So here's a tip: if you come to Korea and live here, you can change your address to a major city in the United States, apply for Medicare there, and it wouldn’t be a bad idea to stay in Korea. 

Now, a Medicare agent does not charge you money; the payment comes from the company. If someone approaches your parents saying, If you give me money, I can set up a plan that will get you a refund, that is illegal. You must speak with a licensed Medicare agent. Therefore, in the United States, if you handle Medicare properly...

Even if you roll it over, you can still make money. In fact, you need to pay around $150 to $160 a month, but by changing companies wisely, many people receive benefits ranging from $400 to $500. Among those benefits, you can purchase health supplements, shop at certain markets, and receive support for fitness centers or golf expenses. Additionally, you can receive medications for free, and there are plans that cover you in case you suddenly need to visit a hospital while traveling abroad. 

Now, why don't I have this? Please don't ask such questions. As I mentioned earlier, there are about 3,998 companies in the U.S. Not all companies provide the same services, and due to competition, in places like LA, there are about 40 to 50 companies that are all trying to offer these plans.

In the central part of the United States, the benefits provided by companies are on a different level compared to other places. In smaller towns, they tend to think, Since we have to do business anyway, we don't need to offer many benefits. However, larger cities generally offer more benefits. 

Secondly, as you get older, there are quite a few senior discounts available within the U.S. There are more than you might think, and senior discounts are not limited to those who are 65 years old; in fact, many places offer senior discounts to those over 50. I sometimes find it surprising that in the U.S., you can receive senior discounts starting at age 50, whereas in Korea, it's usually strictly set at 65. For example, at places like Harris Teeter...

식료품점 같은 경우에는 60세 이상의 고객에게 전체 구매에 5%를 할인해 주는 시니어 클럽이 있습니다. 클럽 60 시니어 디스카운트가 있는데, 아래 더 보기를 보면 모든 링크를 제가 올려 놓았습니다. 여기서는 물건값에 5%를 디스카운트 받으니까 사실 이것도 꽤 크죠. 여러분이 브런치 장을 보는데 5달러 디스카운트를 받는 거고, 브런치 장을 보는데 50달러 디스카운트를 받는 겁니다. 굳이 안 보여주고 제 돈 다 낼 필요가 없다는 거예요. 그런데 제가 이렇게 미국에서 여러 가지 혜택을 받는 걸 얘기해 드리면, 많은 분들이 그렇게 얘기해요. 아, 그거 구질구질하게 그거 디스카운트 받고 그거 보여주고 그런 거 민망한데. 그런 분들한테 제가 드리고 싶은 말씀이 있습니다. 여러분이 헤리스 티러 사장님보다 부자면 디스카운트 받지 마세요. 예, 헤리스 티러 혹은 다른 여러 디스카운트.

The company that has provided us is much, much wealthier than you. They are stepping forward to offer us a discount, but if we refuse the discount, will they look up to us? In their view, it seems that we are just being prideful by not accepting their offer, even though there is no payment involved. We have no reason to be embarrassed because receiving a discount from a company that is much wealthier than us is our right. 

In Las Vegas, there are various benefits, but there is a place called South Point Hotel. We were quite surprised that on Mondays, when you go to the theater, the ticket price for senior movies is free for those aged 50 and over. I qualify for that, so I was so taken aback that I wondered if it was true. I showed my ID and bought a ticket, and I did watch a movie for free. Generally, movies...

If you look at it, at least in Las Vegas, it costs about $8 to $10, right? But if there are two of you, that's the price of a lunch. So, why wouldn't you want to take advantage of this? However, these discounts are not offered when it's busy on the weekends; they are available on Mondays. So, for those of you who are retired, you are rich in time. Others may want to go out but can't because they have to work, but retirees have a lot of time. If you use that time wisely, you can take advantage of many discounts. Moreover, this hotel also has a plan where seniors can receive meals at half price. If you use casino points to pay for meals, you can get them at half price. This is available for those over 50, so I think I should try using this too. For example, if something like a muffin costs about $20, with a 50% discount, it would only be $10. That's really cheap!

I have been thinking about this. And now, the third point is about joining a senior association, such as AARP, which is a senior membership organization in the United States. I will explain more about this later, but I just learned that the membership age for AARP starts from 50 years old. I am also considering joining now. Yes, it starts from 50 years old. I was quite surprised because I thought you had to be at least 65 to join, but AARP allows membership from 50, and the annual fee is around $16, which offers benefits far exceeding that cost. Therefore, it would be beneficial to take advantage of such opportunities. Additionally, if you search for senior vacation options on Google, many companies come up. Among them, AARP is the most well-known, so utilizing this can help you with discounts when traveling.

You can get discounts and do various things, as I see here. So, utilizing these options can be quite beneficial. Now, the fourth point is about shopping during the week. Specifically, on Tuesdays and Wednesdays, there are many places that offer discounts. Why is that? Because Tuesdays and Wednesdays are generally not busy days. Since it's the middle of the week, everyone is at work, and they tend to not go shopping. On these days, stores need to boost their sales, so they often provide significant discounts to seniors. For instance, at Kohl's, if you're over 60, you can receive a 15% discount coupon on Wednesdays. That's quite substantial! On Wednesdays, seniors aged 60 and over can receive coupons for any purchases they make there. Personally, I occasionally shop at Kohl's too, and for a $100 item...

So, you can buy it for $85. You can see quite a large discount for that. If you buy it for $85, you will get the bar value. Here, you can also buy clothes and have a meal. Then, there’s a place called Las, right? Yes, at Las Posada, if you're over 55 on Tuesdays, you can get a 10% discount. Oh, I’ll be eligible for that benefit soon! Yes, I buy a lot of clothes at Las. I often buy things like socks and casual t-shirts there, and if you go on Tuesdays when you’re over 55, you get a 10% discount. Wow, that’s significant. If you buy a plush, they give you a $10 discount. At Rite Aid pharmacy, on the first Wednesday of every month, those over 65 get a 20% discount. Wow, they offer a 20% discount! It's only once a month on the first Wednesday, but if you take advantage of it, it can be a really great benefit. Those over 65 can receive a 20% discount. So, this is what they call a drugstore.

There are many other things that are sold as well, such as jumpers, soap, and drinks. Now, it's rare to find a place that offers a 20% discount. If you spend $100, you get $20 back. This can be seen as quite significant. Since there are many plans like this around, it is very important to look for these opportunities. The reason our seniors can take advantage of these benefits is that they are rich in time. Who can go shopping during the week? Those who have some free time can make good use of it. 

Now, the fifth point is about downloading coupons. Many coupons come to our home. I have been using them for a long time, and these coupons provide great discounts. My kids also use these coupons a lot because they have seen me use them since they were young.

For example, on a day when it's easy to decide what to eat with the kids, instead of thinking about what to eat, they bring all the coupon papers from home. They ask, Dad, what should we eat? and choose from the coupon papers. They have a rule like, Let's not buy anything that doesn't have a discount. After moving to Las Vegas, there's a Burger King right next to my house, and I receive a lot of Burger King coupons. A Whopper combo usually costs about $10.80 with tax, but using the coupons, it ends up being over 30% off. So I take advantage of that. In the past, when I cut out coupons, the cashier would take them, but these days, there are kiosks for ordering. When I checked if coupons could be used at the kiosk, I saw a small button at the bottom that said Reading for Coupons.

There is a button for reading, and when you press it, you just need to enter the code written on the coupon, which is a four-digit number. Then, the discount is applied immediately. I have tried both options. When I didn't enter the code, the total was around $10, but after entering it, it came down to around $7. Just by entering that four-digit number, I received a discount of over 30%, which made me feel really good. So, I take those coupons with me when I go out. I don't carry them around; I just open the app, look at the coupon number, and quickly enter it to place my order.

In addition to that, many people know that McDonald's offers senior coffee for those aged 55 and over. Yes, the coffee is discounted, but I will soon be 55, and honestly, it doesn't make much of a difference for me.

Senior coffee and regular coffee have about a 30% difference, but I think it would be better to take the discount if you can. In terms of money, they offer quite a significant discount. When you think about it, it’s just $1.30 or $1.00, but if you add it up, after ten cups of coffee, that’s another $3.00. So, it can be considerable. In the case of Burger King, they offer a 10% discount for those over 60. That’s something I didn’t know. If you show that you’re over 60 at Burger King, they give you a 10% discount. But as I mentioned earlier, using Burger King coupons is actually cheaper because if you have a $10 item, you can get it for $7, which is a 30% discount. Honestly, receiving benefits like senior coffee at McDonald's is nice too. Many people enjoy reading the newspaper in the morning while they are at home.

It's frustrating, so some elderly people go for a walk, then to McDonald's for a cup of coffee, and afterward read the newspaper. For these individuals, spending one dollar a day on coffee isn't really a big deal. I have a Nespresso machine at home, and even making a cup of coffee with that costs about a dollar. This is because each capsule costs around 60 cents, and when you add milk and sugar, it ends up being close to a dollar as well. So, in a way, it's still quite cheap. However, an even cheaper option is using coupons. Also, at Krispy Kreme, which is famous for donuts, there's a 10% discount for those over 50. I didn't know that, and I'm over 50, so it's a bit disappointing that I wasn't aware of this discount while visiting Krispy Kreme.

You need to ask people about these things; they won't just tell you. You have to go and talk to them. During the time I was eating Krispy Kreme, I could get a 10% discount every time. But I didn't know about this. For those who are 55 years old and above, there is a separate senior menu. So, for those over 55, the senior menu not only has lower prices but also offers smaller portion sizes. When we eat in the U.S., the portions are usually very large. So, if two people go and order two meals, there tends to be leftovers, especially for older individuals or those who don't have a big appetite. The portions can be overwhelming. However, the senior menu often has smaller sizes and very reasonable prices, which means you won't have leftovers. How great is that? So, utilizing the senior menu for those over 55 is quite beneficial.

There are various options available. The sixth option is about company loyalty programs, such as membership cards. By using loyalty programs from frequently visited stores, pharmacies, or restaurants, you can receive additional discounts. In Korean markets, there are many market cards available. If you provide your card number, you can accumulate points and receive discounts later. Additionally, sale items may also apply discounts due to the card. Apart from this, there are other American companies that offer VIP cards. If there is no membership program, it is advisable to create one. For instance, I always keep my 7-Eleven card in my phone these days. In the case of Apple, if you store all your cards in the Apple Wallet, you can simply scan them when making a purchase.

It's good to utilize things like the Korea Asset Management Corporation's 50% discount. When you're young and busy, you might think, When will this end? However, once you retire, you have plenty of time. Yes, time is money. I am now sharing ways to convert your free time into money. 

Now, the seventh point is that there are many programs for seniors in the community. Many cities and counties offer free programs that assess living environments at home, provide meals, and offer health programs. There are also various events for health screenings. When I was with the Lions Club, we used to provide free health screenings for seniors once a year before COVID. If you have frequent access to such benefits, you can learn a lot. For online resources, you can search for community services near you.

If you search, you will find a lot of information. By calling 211, you can learn about various benefits available in your area. Now, the eighth point is to request a fee reduction from service providers. For example, if you contact your cable TV, internet, or phone service providers, as well as your electricity and gas companies, and ask if they have senior discounts, you may find that there are more discounts available than you expect. Personally, I haven't received many discounts yet, but I do receive an internet discount. My internet bill, which used to be around $120, has been reduced to about $80. However, with the recent changes in legislation, I am back to paying $120, but for almost two years, I was able to receive a monthly discount of around $30. Therefore, these savings can accumulate and ultimately add up to a significant amount.

If you have a car, the ninth tip is that if you pay your insurance premium in a lump sum for six months or twelve months, you won't incur any interest, making it cheaper. Therefore, for those who are a bit financially comfortable, paying in advance every six months or annually can earn you a discount. However, paying monthly or every six months is essentially the same. So, there’s really no need to split the payments into six months; paying in one go is more sensible since it doesn't tie up your money. Generally, insurance prices are set at a monthly or yearly rate, but when you choose to pay in installments, interest is added. Since most insurance companies operate this way, it is advisable to pay your premium in a lump sum to reduce interest costs, which is a good way to save money.

You can see it. Now, the tenth point is about setting aside emergency funds. Why do we need emergency funds? There are times when unexpected expenses arise. If you don’t have an emergency fund, what happens? You have to use your credit card. And when you use a credit card, interest is charged. So, one way to reduce your reliance on credit cards is to save up your emergency funds well. 

Now, the eleventh point is about earning interest from your savings account. You should save money because eventually, you will need to retire. Nowadays, interest rates are high, and many savings accounts offer around 4.5% to 5% interest. A rate of about 5% is quite good for savings. If you have money that you won’t need immediately, you can also consider putting it in a CD, which often offers good returns as well.

Next, there are cases where people in older age groups apply for things like IRAs. I would like to advise against being too aggressive with investments at that age. A stable return of around 5% is quite significant. This level of return can adequately outpace inflation, so if you can secure about 5% annually, you should be satisfied. Returns of 10% or 20% may seem appealing, but they come with greater risk. You never know how long you will be living a senior life, so this can be a very risky endeavor. 

Additionally, the twelfth point is that if you have any debts, you should pay them off. There is nothing more wasteful than money spent on interest. It's advisable to settle any debts like credit cards or mortgages if possible. If you have too many credit cards, consider seeking credit counseling from organizations like credit.org or nfcc.org.

Consolidating all debts and paying them off little by little each month is one method to consider. Additionally, the thirteenth point is about unused subscription services, which can accumulate significant expenses. What are some unused subscription services? Nowadays, with the advancement of the internet, I have several monthly expenses. For instance, I pay for a cloud service for the CCTV at home, which costs around three dollars a month. I also subscribe to Apple Music, which costs about ten dollars a year, or a little less than ten dollars a month. I have a Netflix subscription that I switched to a Korean plan after coming to Korea, but I still pay for Netflix every month. Then there’s the Sam's Club membership fee, and there are several other subscriptions that add up. For example, I also have a Costco card. There are various such expenses that can be surprisingly high.

Members have various small expenses related to their membership cards. However, it's important to assess whether these are necessary or not. If something is unnecessary, it should be eliminated decisively, but often people just forget about it. For instance, if you have an Amazon account that you don’t use much, you might consider deleting it. On the other hand, if you find that you are getting more benefits from it, then you can keep it. The same goes for credit cards; there are cards with annual fees. As I mentioned earlier, I received a $150 travel credit from a credit card that has a $100 annual fee. However, if I find that I won't receive benefits exceeding $100 from this card next year, I will not hesitate to cancel it. Why spend $100 unnecessarily? That's about $8 a month, and saving on such expenses is important.

이렇게 볼 수 있는 것들이 많기 때문에 어떤 혜택이 있는지 말씀드리겠습니다. 아까 잠깐 언급했듯이 AARP 같은 경우에는 연회비가 나가지만, 여러분이 혜택을 못 받으면 그 돈이 오히려 더 낭비일 수 있습니다. 그래서 안 쓰는 것들은 잘 이용하는 것이 좋습니다. 그리고 여행은 성수기에 가는 것이 최고입니다. 이건 시간에 여유가 있는 사람만 누릴 수 있는 혜택입니다. 왜 말씀드리냐면, 여러분은 언제든지 여행을 갈 수 있기 때문입니다. 얼마 전에 독립기념일이 있었죠. 굳이 독립기념일 날 왜 여행을 가십니까? 레이버데이 때 왜 여행을 가십니까? 그때는 호텔비도 몇 배, 비행기 요금도 몇 배로 오릅니다. 그리고 사람들이 많이 몰려서 혼잡합니다. 만약 그런 혼잡한 곳에 가게 되면, 코로나에 걸릴 수도 있고, 독감에 걸릴 수도 있습니다. 그리고 사람들로 붐비는 곳에서는 사고가 나기도 쉽습니다. 사람들이 많은 때 왜 가야 할까요?

Travel when there are fewer people. Go during the off-peak season and during the week. Personally, I do not travel on weekends. Traveling during the peak season incurs various expenses, such as higher airfare, hotel rates, and rental car costs. For instance, in Thailand, where I recently visited, hotel prices double during the peak season from December to January. After my trip, many people asked me why I went during the peak season. I really don't understand why some people choose to travel at that time. If you have plenty of time, there's no reason to spend more money and endure the hassle. It’s much better to travel during the off-peak season, which also comes with various discounts. In my case, the airfare was just standard pricing.

Typically, the cost per person is around 400,000 to 600,000 won, but this time we received a significant discount. By slightly adjusting the timing of the discount, we managed to save an additional 100,000 won. So, in total, we saved 200,000 won, which is quite a substantial amount. We also spent about 500 dollars on round-trip airfare, so we saved a lot on that as well. Naturally, the hotel costs were reduced too; we booked a hotel that usually costs 100 dollars during peak season for about 56 dollars, and another hotel that usually goes for over 200 dollars for around 120 dollars. This made our trip much more enjoyable, and since there were fewer people, we could relax more. On one occasion, I even had a restaurant all to myself; it was incredibly convenient. I felt like a millionaire at all the restaurants.

같아요. 전세 내고 밥을 먹은 적도 있습니다. MT 같은 경우, 미국에서 62세 이상은 15% 디스카운트를 해 준다고 합니다. 항상 해 주는 건 아니고요, 구간마다 좀 다릅니다. 그래서 알아봐야 됩니다. 그리고 많은 항공사들도 시니어 디스카운트가 있기 때문에 비성수기 때 디스카운트를 해 줍니다. 그런데 이렇게 시니어 디스카운트가 있는 경우에도 독립 기념일 연휴, 레이버데이 연휴, 그다음에 땡스기빙 이럴 때는 디스카운트를 안 해줍니다. 그래서 굳이 이럴 때 여행 가지 마시고 비성수기에 여행 가세요. 왜냐하면 여러분들은 시간 부자이기 때문입니다. 자, 그리고 이제 미국의 국립공원은 빼놓을 수가 없죠. 국립공원 패스를 저는 매년 80불씩 주고 삽니다. 그런데 이 80불 주고 사는 게 전혀 아깝지가 않아요. 왜냐하면 국립공원을 제가 많이 다니기 때문에 국립공원 세 군데만 가면 사실 이 돈은 뽑히는 겁니다. 저는 가끔...

When I was in Las Vegas, it was natural to visit places like Zion Park or Bryce Canyon. Sometimes, I would just go for a brief morning walk and come back. However, if you don't have that card, you can't do that. The entrance fee is $35, so paying $35 just for a short walk seems a bit unreasonable, doesn't it? Therefore, I think it's a good deal at $80. If you're over 62, an annual pass is only $20. It's only $20, and you can also buy a lifetime pass. The lifetime pass costs $80. For $80, as long as you don't lose the card, you can purchase a national park pass that you can use for a lifetime. How cheap is that? To visit national parks for a lifetime for just $80 is such a great benefit. Now, the sixteenth piece of advice is to get rid of unnecessary cars. When you're young, each person has a lot of activities.

It may be necessary for couples to have two cars, but as we get older, one car can be sufficient, can't it? Moreover, these days, services like Uber and Lyft have developed significantly in the United States. So, even if one person takes the car out, if the other suddenly needs to go somewhere, they can easily use Uber for a short trip. Therefore, it's not essential to have two cars. On average, the cost of maintaining one car in the U.S. is estimated to be around $830. If you don't have a car, you can save about $830 each month.

Now, the seventeenth point might be a bit difficult for Koreans to apply, but it is recommended to utilize libraries. You can borrow books, videos, DVDs, and audiobooks from the library. In large city libraries in the U.S., there are also Korean books available.

In major cities in the United States, there are libraries that have Korean books and Korean novels. While there may not be Korean books in places like the Midwest, surprisingly, there are still many books available, so reading there can be enjoyable and a great way to spend time. However, the cost of books can add up if you keep buying them. Additionally, while there are books that you might want to keep and read multiple times throughout your life, there are also novels you might buy just to pass the time. In such cases, if you end up leaving them at home, they can accumulate and take up space, which can feel wasteful. Using the library can save you a lot of money. Now, regarding the 18th point, sell all the items you are not using at home. In Korea, there are platforms like Danggeun Market for selling items.

It's good to sell items, and in the U.S., you can use Facebook communities or platforms like eBay. You can also utilize various options, such as garage sales. Selling items you no longer use at home can not only generate some income but also help you avoid unnecessary clutter. 

Now, the 19th option is the Silver Sneakers program. This is part of Medicare, and if you enroll in a Medicare Advantage plan, you can often access fitness centers for free. You can go to a fitness center and swim, for example. The facilities at the fitness center are important, so check if there is a swimming pool or a running track available. Running is a great exercise, but in places like Las Vegas, running outdoors in the summer is nearly impossible due to the extreme heat.

Some areas have gyms where you can exercise regardless of whether it's too cold, snowing, or raining, allowing you to have a place to work out. There are also gyms where you can swim. If you utilize Medicare resources, you might be able to access these facilities for free, which can be seen as a way to save money. Lastly, finding a roommate can be beneficial, especially for seniors who are living alone after losing a spouse. It can be a good idea to find a roommate to share your living space. In fact, among our community members, there are three mothers who live together. I once visited their home, and they were having a great time together. Moreover, they invite other mothers from the neighborhood to join them for activities like playing cards.

It's nice to cook together, make kimchi together, and have conversations. I think it looks much better than being alone. The reason is that when you are alone, it can be really lonely. In Korea, as I've mentioned before, while there are more places in Seoul where you can eat alone, in smaller cities, there are still many places where it's a bit awkward to eat alone. So, when I have to eat alone, I try to go during a less busy lunch hour. This is because I need to occupy a table for myself. If other tables are empty while I'm eating, I feel a bit more comfortable. However, if I go during peak lunch hours and occupy a whole table by myself, it can feel uncomfortable, especially if others are looking at me or if the restaurant staff has something to say.

Even if I don't go, the business there is quite predictable, right? If I occupy one of the six tables in a big restaurant, other people might have to wait outside to eat, or they might decide to go to another place. I feel bad that they might miss out because of me. If I have a roommate, we can say, Oh, I'm too lazy to cook today, shall we just go out and eat? That's one possibility. When I'm alone, I end up eating something simple like plain kimchi. But when we eat together, we can enjoy seasoned kimchi and think, Let's try making some perilla leaves today, or How about we prepare some seasoned vegetables? We have such fun conversations about food. So, I feel that people who are alone would be much happier if they had someone to share these moments with.

Finding the right roommates can lead to significant savings. Since you are not living alone, the cost of living can be greatly reduced. Additionally, when it comes to food expenses, cooking together can save a lot as well. This is just one of the ways to save money. 

Now, I want to briefly explain the AARP, which stands for the American Association of Retired Persons. It is the largest association of its kind, and I didn’t know that anyone over the age of 50 can join. I can join too, so I’m currently considering signing up and have been browsing through their offerings. There are so many great programs available. AARP is a nonprofit organization aimed at Americans aged 50 and older. Since it is a nonprofit, they provide various resources and support for their members.

This is not an organization aimed at making money. However, there are many benefits available here. As I mentioned earlier, if you just leave your money sitting, it will lose value due to inflation. Therefore, I want to find ways to gradually increase my money without taking on too much risk. They also provide a lot of advice regarding financial services. For example, they can help with discussions about insurance such as life insurance, health insurance, auto insurance, and home insurance. They also offer banking services, savings accounts, CDs, personal loans, and investment services including retirement accounts, stocks, bonds, and investment options. They provide consultations on all these matters. Additionally, as you get older, you tend to travel more, and the travel benefits are significant. That’s why I’m considering signing up for this, especially since it’s a well-known organization in the U.S.

There is a separate AARP member discount at hotel chains. The annual membership fee is about $16, but if you use hotels and receive discounts greater than that, it is definitely worth it. I didn't know that it was available for those over 50; I thought you had to be 65 to qualify. Additionally, a well-known car rental company in the U.S. offers significant discounts when renting cars. There are also discounts for cruise travel and many travel packages. 

Health is important, and there are health benefits available, including substantial discounts on medications. There are discounts on prescription drugs as well as general over-the-counter medications. There are also vision care benefits, including discounts on glasses, contact lenses, and eye exams. Hearing tests and discounts on the purchase of hearing aids are also available.

There are fitness discounts available, which are important for exercise. Many fitness centers offer discounts. Additionally, when seniors go about their daily lives, there are various benefits available to them. For instance, there are many discounts when shopping at various retailers and online shopping malls. There are also meal discounts when dining at restaurants. Furthermore, there are significant discounts for home services, such as repairs or maintenance. Plumbing services may be needed, and there might be situations where air conditioning needs to be fixed due to a gas leak. There are many instances where discounts are beneficial, and in such cases, seniors can take advantage of these offers. Moreover, there are opportunities for education and information. Various seminars and workshops on a wide range of topics are also held.

As you age, studying can help prevent dementia, and there is great joy in learning new things, isn't there? There are many seminars and workshops available, so you can participate in those. Additionally, it is said that a magazine and news updates are published here, allowing you to receive the latest information. By accessing the online website, you can continuously receive various types of information. While we hope that such situations do not arise as you age, if by chance you encounter any legal issues, there are cases where you can receive legal advice for free or at a discounted rate. You can also utilize tax services. There are quite a few benefits available. Moreover, there are part-time job opportunities for seniors.

They say they provide guidance here. Yes, so these programs are quite good for those who are having trouble finding jobs. They offer training that, once completed, can help you secure employment. This is a great benefit for seniors, and I think it’s one of the best offers available in the U.S. I’ve noted the website address for AARP below: aarp.org. If you check the More Info section, you’ll find everything you need. Now, as for AARP, I believe the price is around $12 for the first year. Yes, the advertisement states it’s $12 for the first year. The price is really affordable; it's not $12 per month, but just $12 for the entire year. So, it’s an incredibly low price. Even if you just receive the menu, there are services like health money, work, and social security, as well as caregiving services for seniors. There are also games and...

There are a lot of benefits available, and it’s a good idea to take advantage of them. Becoming a speaker and making money is not easy, but saving money is just as important as earning it. In any case, you have to spend money, right? For instance, I recently went on a trip to Thailand. Would I not go because of the cost? No, I actually went for free! I used a credit card to manage my expenses and took advantage of coupons and deals during the week. It can be a bit tricky to keep track of these regulations, especially when you’re young. You might think, When do I have time to worry about that? Some people just pay full price without a second thought. However, as speakers, you all have more free time. So, if there’s a discount on a specific day, like Tuesday or Wednesday, you can plan your trip for that day. You can manage your schedule to take advantage of those discounts.

There is no need to feel embarrassed about using discounts and coupons. Those companies are much wealthier than you are. You are richer than McDonald's, richer than Burger King, and richer than Denny's. So why not take the discount? But in reality, those companies are wealthier than you. I personally do not feel ashamed at all about using discounts. Especially in the case of AARP, since you are paying for your rights, I am considering signing up for AARP after this broadcast. I plan to try using AARP, and if I find it beneficial, I might create a separate video about AARP later. I honestly didn't know that it was available for those over 50. While preparing for today’s broadcast, I realized I actually learned a lot. Yes, from the Span Cream Donuts.

I didn't know that there was a 10% discount for those over 50, and I also wasn't aware that AARP membership is available for people over 50. In Korea, only those over 65 can typically receive benefits. Additionally, those who come to Korea and hold a residence certificate can ride the subway for free and receive discounts on trains. So, when you travel to Korea, there are many benefits available to you. Previously, many people wrote in saying that those with a residence certificate couldn't receive benefits or ride the subway for free, but based on my research, individuals with a residence certificate can indeed receive these benefits according to the law. I don't know if the person in charge simply didn't know what a residence certificate was and said it wasn't possible, but according to the law, it is available. Don't assume that everyone in Korea knows what a residence certificate is.

You are overestimating things too much. For people living in Korea, the concept of a residence permit is unfamiliar, especially for those seeing it for the first time. It's natural to be surprised. For example, have you ever seen consular staff in the United States? If there are consuls, what do they get? They don’t have to pay taxes when they buy goods in the U.S. You didn’t know that, right? The reason they don’t have to pay taxes is that consuls are not American citizens, and the items used within the consulate are not subject to U.S. tax. Therefore, when they present their consular card, they should receive a tax discount. But if someone comes into your store and says, I'm a consul, so please exempt me from tax, you would probably think, What kind of crazy talk is this? You wouldn’t know what to do and might say you can’t exempt the tax. That's why the residence permit...

여러분이 영사관 카드를 모르는 것처럼 한교 하신 분들은 거소증이 뭔지 모릅니다. 제 친척들도 거소증 얘기하면 그게 뭐냐고 묻습니다. 우리 우행 식구들은 알지만 한국 분들은 모릅니다. 그래서 거소증을 보여주고 무료로 지하철 같은 걸 탑승할 수 있냐고 물어보면, 아, 안 돼요 이렇게 얘기하는 분들이 있을 수 있습니다. 그러나 한국에 거소증이 있는 사람도 무료로 지하철을 탈 수 있는 것이 법적으로 보호되어 있습니다. 그러기 때문에 한국에서도 할인받을 수 있는 것은 충분히 다 받는 것이 좋지 않을까 생각합니다. 자, 그래서 안 쓰는 것도 곧 돈을 버는 것입니다. 시간 부자인 여러분, 그 시간을 돈으로 환원하십시오. 그게 여러분들이 돈을 버는 길입니다. 자, 오늘 하루도 즐거운 하루 되시고요. 오늘도 재밌게 보셨으면 구독 안 하신 분들은 구독해 주시고, 구독하신 분들은...

If you press it again, it will be canceled. Yes, and if you press the like button a lot, many people will see this video. Yes, if many people watch it, I will be motivated to create even better videos. Also, each warm comment from you gives me immense strength. There’s nothing else you need to do for me. You don’t need to give me money, and I have never asked for money. What I always hope for from you is just one thing: a warm word of encouragement in the comments. I hope you have a great weekend. Fighting!

미국 은퇴후 돈생기는 20가지 방법 - 50세 부터 혜택을 받을수 있습니다

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미국 은퇴후 돈생기는 20가지 방법 - 50세 부터 혜택을 받을수 있습니다

미국 은퇴후 돈생기는 20가지 방법 - 50세 부터 혜택을 받을수 있습니다

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