์ƒ์„ธ ์ปจํ…์ธ 

๋ณธ๋ฌธ ์ œ๋ชฉ

Day 55) ์•ˆ์ „ ํˆฌ์ž VS ์œ„ํ—˜ ํˆฌ์ž : ์˜์–ด๋กœ ๋‚ด ์„ฑํ–ฅ ๋งํ•˜๊ธฐ

๋ณธ๋ฌธ

์•ˆ์ „ ํˆฌ์ž
 
#1
I’m not really into taking big risks with money.
๋‚˜๋Š” ๋‚ด ๋ˆ ๊ฑธ๊ณ  ํฐ ์œ„ํ—˜์„ ๊ฐ์ˆ˜ํ•˜๋Š” ๊ฑธ ์ข‹์•„ํ•˜์ง€ ์•Š์•„. 
* Be into something: ~์— ๊ด€์‹ฌ์ด ์žˆ๋‹ค, ~์„ ์ข‹์•„ํ•˜๋‹ค (์š”์ฆ˜ ๋„ˆ ๋ญ์— ๊ด€์‹ฌ ์žˆ์–ด?๋ผ๋Š” ์งˆ๋ฌธ์„ ํ•  ๋•Œ what are you interested in these days? ํ•ด๋„ ์ข‹์ง€๋งŒ what are you into these days? ํ•˜๋Š” ๊ฒƒ๋„ ์ข‹๊ฒ ์ฃ !) 
 
#2
I’d rather play it safe and invest in things like fixed deposits.
์ฐจ๋ผ๋ฆฌ ์ข€ ์•ˆ์ „ํ•˜๊ฒŒ ํ•˜๋ฉด์„œ ์ •๊ธฐ ์˜ˆ๊ธˆ ๊ฐ™์€ ๊ฑฐ์— ํˆฌ์žํ• ๋ž˜. 
* fixed ๊ธฐ๊ฐ„์ด ๊ณ ์ •๋œ (fixed = ์ •๊ธฐ) deposits ์˜ˆ๊ธˆ. ์šฐ๋ฆฌ ์ง‘ ๊ณ„์•ฝํ•  ๋•Œ ๋‚ด๋Š” ๋ณด์ฆ๊ธˆ๋„ ์˜์–ด๋กœ deposit์ด๋ผ๊ณ  ํ•˜๊ฑฐ๋“ ์š”. ๊ทธ๋งŒํผ ๋ˆ์„ ํ•œ ๋ฒˆ์— ๋งŽ์ด ๋„ฃ์–ด๋‘๋Š” ๊ฒƒ์„ deposit์ด๋ผ๊ณ  ํ•ฉ๋‹ˆ๋‹ค. ๋ฐ˜๋Œ€๋กœ ์ ๊ธˆ์€ installment savings ๋ผ๊ณ  ๋ถ€๋ฅด๋Š”๋ฐ์š”, ์–ผ๋งˆ์˜ ๊ธฐ๊ฐ„๋™์•ˆ ๋งค๋‹ฌ ์ •ํ•ด์ง„ ์•ก์ˆ˜์˜ ๋ˆ์„ ๋„ฃ๋Š” ๊ฒƒ์„ ์˜๋ฏธํ•ฉ๋‹ˆ๋‹ค. installment๋ผ๋Š” ๋‹จ์–ด ์ž์ฒด์— ๋ถ„ํ•  ๋‚ฉ๋ถ€, ํ• ๋ถ€๋ผ๋Š” ๋œป์ด ์žˆ๊ฑฐ๋“ ์š”. 
 
#3
Besides, I saw one of my friends lost all of his money just overnight through crypto trading.
๊ฒŒ๋‹ค๊ฐ€ ๋‚ด ์นœ๊ตฌ ํ•œ ๋ช…์ด ํ•˜๋ฃป๋ฐค ์‚ฌ์ด์— ๋น„ํŠธ์ฝ”์ธ ๊ฑฐ๋ž˜ํ•˜๋‹ค๊ฐ€ ๋ˆ ๋‹ค ๋‚ ๋ ธ๊ฑฐ๋“ .
* ๋น„ํŠธ์ฝ”์ธ ๊ฐ™์€ ์•”ํ˜ธํ™”ํ, ๊ฐ€์ƒํ™”ํ๋ฅผ cryptocurrency๋ผ๊ณ  ํ•ฉ๋‹ˆ๋‹ค. ์ค„์—ฌ์„œ crypto๋ผ๊ณ  ๋งŽ์ด ๋ถ€๋ฅด๊ณ , ๊ฑฐ๋ž˜๋Š” trading์ด๋ผ๊ณ  ํ•ฉ๋‹ˆ๋‹ค. ๊ทธ๋ ‡๋‹ค๋ฉด ์ฃผ์‹ ๊ฑฐ๋ž˜๋Š” stock trading์ด ๋˜๊ฒ ์ฃ ? ๋ถ€๋™์‚ฐ์˜ ๊ฒฝ์šฐ๋Š” ์‚ด์ง ๋‹ค๋ฆ…๋‹ˆ๋‹ค. Trade๋Š” ๋ง๊ทธ๋Œ€๋กœ ์‚ฌ๊ณ  ํŒŒ๋Š” ๊ฑฐ๋ž˜๋ฅผ ์˜๋ฏธํ•˜๊ธฐ ๋•Œ๋ฌธ์— ์ฃผ์‹๊ณผ ๊ฐ€์ƒํ™”ํ์—๋Š” ์–ด์šธ๋ฆฌ์ง€๋งŒ, ๋ถ€๋™์‚ฐ์€ ์ฆ‰๊ฐ ์‚ฌ๊ณ  ํŒ”๊ณ  ํ•˜๋Š” ๋นˆ๋„์ˆ˜๊ฐ€ ํ˜„์ €ํžˆ ๋‚ฎ์ž–์•„์š”? ๊ทธ๋Ÿฌ๋‹ˆ investing์œผ๋กœ ํ‘œ๊ธฐํ•˜๋Š” ๊ฒŒ ์กฐ๊ธˆ ๋” ์ •ํ™•ํ•ฉ๋‹ˆ๋‹ค! Real estate investing (๋ถ€๋™์‚ฐ ํˆฌ์ž) 
 
#4
And I have more important things to do than check the stock prices 24/7.
๊ทธ๋ฆฌ๊ณ  ํ•˜๋ฃจ ์ข…์ผ ์ฃผ์‹ ๊ฐ€๊ฒฉ ํ™•์ธํ•  ์‹œ๊ฐ„์ด ์—†์–ด. (๊ทธ๊ฒƒ ๋ง๊ณ ๋„ ํ•  ์ผ์ด ๋งŽ์•„) 
* 24/7 : 24์‹œ๊ฐ„, 7์ผ = ๋Š์ž„์—†์ด ๊ณ„์† = ํ•˜๋ฃจ์ข…~์ผ
 
#5
So I'll stick to investing in a savings account instead of risking my hard-earned money!
๊ทธ๋Ÿฌ๋‹ˆ ๋‚ด๊ฐ€ ํž˜๋“ค๊ฒŒ ๋ฒˆ ๋ˆ ๊ฐ–๊ณ  ์œ„ํ—˜ํ•˜๊ฒŒ ํ•˜๋Š๋‹ˆ ๊ทธ๋ƒฅ ์˜ˆ๊ธˆ ๊ณ„์ขŒ์— ํˆฌ์žํ•˜๋Š” ๊ฑธ ๊ณ„์†ํ•˜๋ ค๊ณ . 
* stick to something : ~์— ๊ณ„์† ๋ถ™์–ด์žˆ๋‹ค (์Šคํ‹ฐ์ปค๊ฐ€ ๋ถ™์–ด์žˆ๋Š” ๊ฒƒ์ด์ž–์•„์š”! ๊ทธ๊ฒƒ์˜ ๋™์‚ฌ์ž…๋‹ˆ๋‹ค) ์ฆ‰, ๊ทธ๊ฒƒ์„ ๊ณ ์ˆ˜ํ•˜๋‹ค, ๊ณ„์† ํ•˜๋‹ค ์ด๋Ÿฐ ๋ง์ด ๋ฉ๋‹ˆ๋‹ค!
 
์œ„ํ—˜ ํˆฌ์ž
 
#1
Yeah there’s a chance that you could lose it all, but there’s also a chance that you could make it big!
๋ฌผ๋ก  ๋ฒˆ ๋ˆ์„ ๋‹ค ๋‚ ๋ฆด ๊ฐ€๋Šฅ์„ฑ๋„ ์žˆ์ง€๋งŒ, ๋ฒˆ ๋ˆ์„ ๋” ํฌ๊ฒŒ ๋งŒ๋“ค ๊ฐ€๋Šฅ์„ฑ๋„ ์žˆ์ง€! 
 
 
#2
To make a lot of money while young, you gotta make bold moves and take risks.
์ Š์„ ๋•Œ ๋” ๋งŽ์€ ๋ˆ์„ ๋ฒŒ๋ ค๋ฉด ๋” ๋Œ€๋‹ดํ•œ ํ–‰๋™์„ ํ•˜๊ณ  ์œ„ํ—˜์„ ์ ธ์•ผํ•ด.
* move๋Š” ๋ช…์‚ฌ๋กœ ์‚ฌ์šฉํ•˜๋ฉด ํ–‰๋™์ด๋‚˜ ์ˆ˜(๋ฐ”๋‘‘์—์„œ ๋‘๋Š” ์ˆ˜์˜ ์˜๋ฏธ)๋ฅผ ์˜๋ฏธํ•˜๋Š”๋ฐ์š”, ๋” ๋Œ€๋‹ดํ•œ ์ˆ˜๋ฅผ ๋‘ฌ์•ผ ํ•œ๋‹ค, ๋” ๋ณผ๋“œํ•œ ์›€์ง์ž„์„ ์ทจํ•ด์•ผ ํ•œ๋‹ค๋ผ๋Š” ์˜๋ฏธ๊ฐ€ ๋ฉ๋‹ˆ๋‹ค. ๋‹ค๋ฅธ ์˜ˆ์‹œ๋กœ, ๋‚˜๋ž‘ ๋™์ƒ์ด๋ž‘ ์‹ธ์› ๋Š”๋ฐ ๋ฉฐ์น ๋™์•ˆ ํ™”ํ•ด์˜ ๊ธฐ๋ฏธ๊ฐ€ ์•ˆ ๋ณด์ผ ๋•Œ ์—„๋งˆ๊ฐ€ ์ด๋ ‡๊ฒŒ ๋งํ•  ์ˆ˜ ์žˆ๊ฒ ์ฃ  "either one of you should make the first move!" (๋‘˜ ์ค‘์— ํ•˜๋‚˜๋Š” ๋จผ์ € ํ™”ํ•ด์˜ ํ–‰๋™์„ ์ทจํ•ด์•ผ์ง€) 
 
#3
It’s important to note that high returns come with high risks.
ํ•˜์ด ๋ฆฌํ„ด์€ ํ•˜์ด ๋ฆฌ์Šคํฌ๋ž‘ ๊ฐ™์ด ์˜จ๋‹ค๋Š” ๊ฑธ ๊ธฐ์–ตํ•˜๋Š” ๊ฒŒ ์ค‘์š”ํ•˜์ง€.
 
 
#4
Also, we should experience failure and learn from our mistakes to acheive financial freedom.
๋˜ ๊ฒฝ์ œ์  ์ž์œ ๋ฅผ ๋‹ฌ์„ฑํ•˜๋ ค๋ฉด ์‹คํŒจ๋„ ๊ฒฝํ—˜ํ•ด๋ณด๊ณ  ์‹ค์ˆ˜ํ•œ ๊ฒƒ์—์„œ ๋ฐฐ์šฐ๊ธฐ๋„ ํ•ด์•ผํ•ด. 
 
 
#5
And as long as we don’t get too addicted to these investments, I think it’s worth it.
๊ทธ๋ฆฌ๊ณ  ๋„ˆ๋ฌด ์‹ฌํ•˜๊ฒŒ ์ด๋Ÿฐ ๋ฅ˜์˜ ํˆฌ์ž์— ์ค‘๋…๋˜์ง€๋งŒ ์•Š๋Š”๋‹ค๋ฉด ๋‚˜๋Š” ์ถฉ๋ถ„ํžˆ ๋„์ „ํ•  ๊ฐ€์น˜๊ฐ€ ์žˆ๋‹ค๊ณ  ๋ด. 
 
 

 
 

[์˜์ž‘์—ฐ์Šต]

์•ˆ์ „ ํˆฌ์ž
1.๋‚˜๋Š” ๋‚ด ๋ˆ ๊ฑธ๊ณ  ํฐ ์œ„ํ—˜์„ ๊ฐ์ˆ˜ํ•˜๋Š” ๊ฑธ ์ข‹์•„ํ•˜์ง€ ์•Š์•„. 
2.์ฐจ๋ผ๋ฆฌ ์ข€ ์•ˆ์ „ํ•˜๊ฒŒ ํ•˜๋ฉด์„œ ์ •๊ธฐ ์˜ˆ๊ธˆ ๊ฐ™์€ ๊ฑฐ์— ํˆฌ์žํ• ๋ž˜. 
3.๊ฒŒ๋‹ค๊ฐ€ ๋‚ด ์นœ๊ตฌ ํ•œ ๋ช…์ด ํ•˜๋ฃป๋ฐค ์‚ฌ์ด์— ๋น„ํŠธ์ฝ”์ธ ๊ฑฐ๋ž˜ํ•˜๋‹ค๊ฐ€ ๋ˆ ๋‹ค ๋‚ ๋ ธ๊ฑฐ๋“ .
4.๊ทธ๋ฆฌ๊ณ  ํ•˜๋ฃจ ์ข…์ผ ์ฃผ์‹ ๊ฐ€๊ฒฉ ํ™•์ธํ•  ์‹œ๊ฐ„์ด ์—†์–ด. (๊ทธ๊ฒƒ ๋ง๊ณ ๋„ ํ•  ์ผ์ด ๋งŽ์•„) 
5.๊ทธ๋Ÿฌ๋‹ˆ ๋‚ด๊ฐ€ ํž˜๋“ค๊ฒŒ ๋ฒˆ ๋ˆ ๊ฐ–๊ณ  ์œ„ํ—˜ํ•˜๊ฒŒ ํ•˜๋Š๋‹ˆ ๊ทธ๋ƒฅ ์˜ˆ๊ธˆ ๊ณ„์ขŒ์— ํˆฌ์žํ•˜๋Š” ๊ฑธ ๊ณ„์†ํ•˜๋ ค๊ณ . 
์œ„ํ—˜ ํˆฌ์ž
1.๋ฌผ๋ก  ๋ฒˆ ๋ˆ์„ ๋‹ค ๋‚ ๋ฆด ๊ฐ€๋Šฅ์„ฑ๋„ ์žˆ์ง€๋งŒ, ๋ฒˆ ๋ˆ์„ ๋” ํฌ๊ฒŒ ๋งŒ๋“ค ๊ฐ€๋Šฅ์„ฑ๋„ ์žˆ์ง€! 
2.์ Š์„ ๋•Œ ๋” ๋งŽ์€ ๋ˆ์„ ๋ฒŒ๋ ค๋ฉด ๋” ๋Œ€๋‹ดํ•œ ํ–‰๋™์„ ํ•˜๊ณ  ์œ„ํ—˜์„ ์ ธ์•ผํ•ด.
3.ํ•˜์ด ๋ฆฌํ„ด์€ ํ•˜์ด ๋ฆฌ์Šคํฌ๋ž‘ ๊ฐ™์ด ์˜จ๋‹ค๋Š” ๊ฑธ ๊ธฐ์–ตํ•˜๋Š” ๊ฒŒ ์ค‘์š”ํ•˜์ง€.
4.๋˜ ๊ฒฝ์ œ์  ์ž์œ ๋ฅผ ๋‹ฌ์„ฑํ•˜๋ ค๋ฉด ์‹คํŒจ๋„ ๊ฒฝํ—˜ํ•ด๋ณด๊ณ  ์‹ค์ˆ˜ํ•œ ๊ฒƒ์—์„œ ๋ฐฐ์šฐ๊ธฐ๋„ ํ•ด์•ผํ•ด. 
5.๊ทธ๋ฆฌ๊ณ  ๋„ˆ๋ฌด ์‹ฌํ•˜๊ฒŒ ์ด๋Ÿฐ ๋ฅ˜์˜ ํˆฌ์ž์— ์ค‘๋…๋˜์ง€๋งŒ ์•Š๋Š”๋‹ค๋ฉด ๋‚˜๋Š” ์ถฉ๋ถ„ํžˆ ๋„์ „ํ•  ๊ฐ€์น˜๊ฐ€ ์žˆ๋‹ค๊ณ  ๋ด. 
 
 
 

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์‚ฌ์ง„์„ ๋ˆ„๋ฅด๋ฉด ์˜์ƒ์œผ๋กœ ์—ฐ๊ฒฐ๋ฉ๋‹ˆ๋‹ค!!
 
 

 
 
์˜ค๋Š˜๋„ ๊ณ ์ƒํ•˜์…จ์–ด์š”
 
 
 
Sleep tight:)

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