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<!doctype html> <html lang="ko"> <head> <title>“300만원 벌면 이 정도는 저축하라”…1억 자산 만들기 방법 있다는데 - 매일경제</title> <meta charset="UTF-8"> <meta http-equiv="X-UA-Compatible" content="IE=edge"> <meta name="viewport" content="width=1270"> <meta http-equiv="Content-Type" content="text/html; charset=UTF-8"> <meta http-equiv="Content-Script-Type" content="text/javascript"> <meta http-equiv="Content-Style-Type" content="text/css"> <meta http-equiv="imagetoolbar" content="no"> <meta itemprop="inLanguage" content="ko" /> <meta http-equiv="Content-Language" content="ko" /> <meta name="articleid" itemprop="identifier" content="11176634" /> <meta name="description" itemprop="description" content="“2030 재테크의 기본은 저축이다. 선저축·강제저축·정기저축·증액저축이 핵심이다.” 직장인 재테크 멘토로 활동하는 김경필 한국머니트레이닝랩 대표는 23일 서울머니쇼플러스 강의에서 2030세대의 핵심은 우선 종자돈이 될 1억원을 모으는 것이라고 강조했다. 남는 돈을 입금하고 싶을 때 자유롭게 저축하는 것이 아니라 매달 정기적으로 저축하고 남은 돈으로 생활하" /> <meta name="image" itemprop="image" content="https://pimg.mk.co.kr/news/cms/202411/24/news-p.v1.20241124.b6fc97f3cb2f40e182ae7af9730e4b81_R.png" /> <meta name="byl" content="By 정상봉" /> <meta name="art_org_class" content="MK100509" /> <meta property="ssc:cmsid" name="ssc:cmsid" content="AKR1202411231512276560" /> <meta property="og:site_name" content="매일경제" /> <meta property="og:locale" content="ko_KR" /> <meta property="og:url" content="https://www.mk.co.kr/news/stock/11176634"> <meta property="og:type" content="article" /> <meta property="og:title" content="“300만원 벌면 이 정도는 저축하라”…1억 자산 만들기 방법 있다는데 - 매일경제"> <meta property="og:image" content="https://pimg.mk.co.kr/news/cms/202411/24/news-p.v1.20241124.b6fc97f3cb2f40e182ae7af9730e4b81_R.png" /> <meta property="og:image:width" content="600" /> <meta property="og:image:height" content="422" /> <meta property="og:image:alt" content="“300만원 벌면 이 정도는 저축하라”…1억 자산 만들기 방법 있다는데" /> <meta property="og:description" content="“2030 재테크의 기본은 저축이다. 선저축·강제저축·정기저축·증액저축이 핵심이다.” 직장인 재테크 멘토로 활동하는 김경필 한국머니트레이닝랩 대표는 23일 서울머니쇼플러스 강의에서 2030세대의 핵심은 우선 종자돈이 될 1억원을 모으는 것이라고 강조했다. 남는 돈을 입금하고 싶을 때 자유롭게 저축하는 것이 아니라 매달 정기적으로 저축하고 남은 돈으로 생활하" /> <meta property="fb:app_id" content="731628264734541" /> <meta property="fb:pages" content="101172566073740" /> <meta property="twitter:url" content="https://www.mk.co.kr/news/stock/11176634" /> <meta property="twitter:title" content="“300만원 벌면 이 정도는 저축하라”…1억 자산 만들기 방법 있다는데 - 매일경제" /> <meta property="twitter:description" content="“2030 재테크의 기본은 저축이다. 선저축·강제저축·정기저축·증액저축이 핵심이다.” 직장인 재테크 멘토로 활동하는 김경필 한국머니트레이닝랩 대표는 23일 서울머니쇼플러스 강의에서 2030세대의 핵심은 우선 종자돈이 될 1억원을 모으는 것이라고 강조했다. 남는 돈을 입금하고 싶을 때 자유롭게 저축하는 것이 아니라 매달 정기적으로 저축하고 남은 돈으로 생활하" /> <meta property="twitter:image" content="https://pimg.mk.co.kr/news/cms/202411/24/news-p.v1.20241124.b6fc97f3cb2f40e182ae7af9730e4b81_R.png" /> <meta property="twitter:image:alt" content="" /> <meta property="twitter:card" content="summary_large_image" /> <meta name="robots" content="max-image-preview:large"> <meta property="taboola:title" content="“300만원 벌면 이 정도는 저축하라”…1억 자산 만들기 방법 있다는데"> <meta property="article:section" content="stock"> <meta property="article:published_time" content="2024-11-24T20:07:25+09:00"> <meta property="article:modified" content=""> <link rel="canonical" href="https://www.mk.co.kr/news/stock/11176634"> <link rel="alternate" media="only screen and (max-width: 640px)" href="https://m.mk.co.kr/news/stock/11176634"> <link rel="amphtml" href="https://m.mk.co.kr/amp/11176634"> <link rel="alternate" hreflang="en" href="https://www.mk.co.kr/en/stock/11176634" /> <link rel="alternate" hreflang="zh" href="https://www.mk.co.kr/cn/stock/11176634" /> <link rel="alternate" hreflang="ja" href="https://www.mk.co.kr/jp/stock/11176634" /> <link rel="alternate" hreflang="x-default" href="https://www.mk.co.kr/news/stock/11176634" /> <link rel="image_src" href="https://pimg.mk.co.kr/news/cms/202411/24/news-p.v1.20241124.b6fc97f3cb2f40e182ae7af9730e4b81_R.png" /> <link rel="shortcut icon" href="https://static.mk.co.kr/favicon_new.ico"> <link href='https://bimg.mk.co.kr/library/css/SpoqaHanSansNeo.css' rel='stylesheet' type='text/css'> <link rel="preconnect" href="https://fonts.googleapis.com"> <link rel="preconnect" href="https://fonts.gstatic.com" crossorigin> <link href="https://bimg.mk.co.kr/library/css/font_montserrat-notosans.css" rel="stylesheet"> <link rel="stylesheet" href="https://static.mk.co.kr/2022/news/pc/css/base.css?v=202402161525"> <link rel="stylesheet" href="https://static.mk.co.kr/2022/news/pc/css/libs/swiper.min.css?v=202402161525"> <link rel="stylesheet" href="https://static.mk.co.kr/2022/news/pc/css/libs/jquery-ui.min.css?v=202402161525"> <link rel="stylesheet" href="https://static.mk.co.kr/2022/news/pc/css/layout.css?v=202402161525"> <link rel="stylesheet" href="https://static.mk.co.kr/2022/news/pc/css/ui.css?v=202402161525"> <link rel="stylesheet" href="https://static.mk.co.kr/2022/news/pc/css/style.css?v=202402161525"> <script src="https://static.mk.co.kr/2022/news/pc/js/libs/jquery-1.11.3.min.js?v=202407081800"></script> <script src="https://static.mk.co.kr/2022/news/pc/js/libs/swiper.min.js?v=202407081800"></script> <script src="https://static.mk.co.kr/2022/news/pc/js/libs/jquery-ui.min.js?v=202407081800"></script> <script type="text/javascript" src="https://static.mk.co.kr/2022/resource.js?v=202407081800"></script> <script type="text/javascript" src="https://static.mk.co.kr/2022/utils.js?v=202407081800"></script> <script src="https://static.mk.co.kr/2022/news/pc/js/common.js?v=202407081800"></script> <script type="text/javascript" src="https://static.mk.co.kr/2022/news/pc/js/libs/handlebars-v4.7.7.js"></script> <script src='https://bimg.mk.co.kr/library/js/kakao.min.1.43.1.js?v=20231115'></script>  <script> const cSequenceID = utils.cookie.get('cSequenceID'); let loginType = utils.cookie.get('login_type'); if (loginType == null && cSequenceID != null) { loginType = 'mk'; } const idxQ = document.location.href.indexOf('?'); const output = { 'user_data': { 'cid': utils.cookie.get('_ga'), 'uid': (cSequenceID != null ? cSequenceID : ''), 'login_type': loginType, 'login_status': (cSequenceID != null ? 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3.9-9.6.1-.8-.6-1.5-1.4-1.6h-11c-.7 0-.7.3-.5.7l1.5 2.4h5.7c-.5 5.9-4.3 13.5-8.1 16.5-.3.2-.4.4-.3.7.1.2.4.2.8.1 1.1-.3 4.9-2.8 8.2-7.3M9 3.9h4v13.7H9V3.9zM2.9 1.2c0 .2.1.3.3.3.7 0 1.3.6 1.4 1.4v14.6c-.1 1.7 1.3 3.2 3 3.3h6.8c1.7 0 3-1.4 3-3V.8H3.2c-.2 0-.3.2-.3.4M83.2 26.8c-3.4 0-6.6-2.2-6.6-4.7s3.2-4.4 6.6-4.4 6.6 2 6.6 4.4-3.2 4.7-6.6 4.7m0-12c-6.7 0-11.1 3.3-11.1 7.4s4.4 7.6 11.1 7.6 11.1-3.6 11.1-7.6-4.4-7.4-11.1-7.4M57 1.1c0 .2.1.3.3.3.7 0 1.4.6 1.4 1.3V14h2.2c1.6-.1 2.8-1.4 2.7-3V.8h-6.3c-.2 0-.3.1-.3.3M44.9 11.3c-2.4.1-4.4-1.8-4.5-4.1.2-2.5 2.4-4.3 4.9-4.1 2.2.2 3.9 1.9 4.1 4.1-.1 2.3-2.1 4.2-4.5 4.1m0-11.1c-5.7 0-9.1 3.1-9.1 6.9s3.4 6.9 9.1 6.9S54 11 54 7.2s-3.4-7-9.1-7M64 25.9H46.6v-2.2h14.3c1.6-.1 2.8-1.4 2.7-3v-5.1H40.9c-.5 0-.6.3-.4.7l1.4 2.3h17v2.2H40.5c-.2 0-.3.1-.3.3 0 .2.1.3.3.3.8 0 1.4.6 1.4 1.4V26c0 1.7 1.3 3 2.9 3.1H64v-3.2z"/> </g> </svg> </h1> </a> </div> </div> <div class="news_ttl_sec"> <h2 class="news_ttl"> “300만원 벌면 이 정도는 저축하라”…1억 자산 만들기 방법 있다는데 </h2> </div> <div class="news_control_group"> <div class="control_item_frame"> <button class="btn btn_ic btn_summary" data-category_1depth="뉴스" data-category_2depth="뷰" data-section="header (fixed)" data-label="기사요약"> <i class="ic ic_summary"></i> <span class="is_blind">뉴스 요약쏙</span> </button> <div class="option_group change_font_option news_sum_group news_content"> <p class="sum_news">뉴스 요약쏙</p> <p class="ttl_sub">AI 요약은 본문의 핵심만 제공하므로, 전체 맥락을 이해하기 위해서는 기사 본문 전체를 확인하는 것이 좋습니다.</p> <button class="close_btn summary_close"><i class="ic ic_close_m ic_close_s">닫기</i></button> <div class="news_sum_text"> <p class="news_text">2030세대의 재테크 기본은 저축이며, 선저축·강제저축·정기저축·증액저축이 핵심이다. </p><p class="news_text">종자돈이 될 1억원을 모으는 것이 중요하며, 월급 인상을 감안해 매년 저축액을 늘려나가야 한다. </p><p class="news_text">급변동하는 가상자산에 대한 투자는 위험하며, 자신의 분야에서 성장하는 것이 더 중요하다.</p> </div> <div class="locked_login locked_box"> <div class="locked_bottom_pop" style="position:static;width:100%"> <div class="locked_wrapper"> <div class="locked_icon"><span class="ic_lock"><span class="is_blind">회원용</span></span></div> <div class="locked_tit">핵심 요약쏙은 회원용 콘텐츠입니다.</div> <div class="locked_txt">매일경제 최신 뉴스를 요약해서 빠르게 읽을 수 있습니다.</div> <div class="btn_area grid grid_4"> <div class="col col_6"><a href="javascript:mkJoin()" class="btn basic w_f h_l" data-category_1depth="뉴스" data-category_2depth="뷰" data-section="header (fixed)" data-label="요약: 회원가입">무료 회원 가입</a></div> <div class="col col_6"><a href="javascript:mkLogin()" class="btn strong w_f h_l" data-category_1depth="뉴스" data-category_2depth="뷰" data-section="header (fixed)"" data-label="요약: 로그인">로그인</a></div> </div> </div> </div> </div> </div> </div> <div class="control_item_frame"> <button class="btn btn_ic chang_lang" data-category_1depth="뉴스" data-category_2depth="뷰" data-section="header (fixed)" data-label="번역"> <i class="ic ic_lang"></i> <span class="is_blind">언어 변경하기</span> </button> <div class="option_group change_font_option"> <p>언어변경</p> <ul class="btn_area"> <li class="btn_item"> <a href="/en/stock/11176634" class="btn_link" data-category_1depth="뉴스" data-category_2depth="뷰" data-section="header (fixed)" data-label="번역_영어"> <span class="eng">ENG</span> </a> </li> <li class="btn_item"> <a href="/jp/stock/11176634" class="btn_link" data-category_1depth="뉴스" data-category_2depth="뷰" data-section="header (fixed)" data-label="번역_일본어"> <span class="jpn">JPN</span> </a> </li> <li class="btn_item"> <a href="/cn/stock/11176634" class="btn_link" data-category_1depth="뉴스" data-category_2depth="뷰" data-section="header (fixed)" data-label="번역_중국어"> <span class="chn">CHN</span> </a> </li> </ul> <button class="close_btn"> <i class="ic ic_close_m">닫기</i> </button> </div> </div> <div class="control_item_frame"> <button class="btn btn_ic chang_font"> <i class="ic ic_font"></i> <span class="is_blind">글자 크기 변경하기</span> </button> <div class="option_group change_font_option"> <p>글자크기 설정</p> <div class="btn_area"> <button class="btn f_s" data-fz="s" data-category_1depth="뉴스" data-category_2depth="뷰" data-section="header (fixed)" data-label="글자크기: 1"> <p>가</p> </button> <button class="btn f_m" data-fz="m" data-category_1depth="뉴스" data-category_2depth="뷰" data-section="header (fixed)" data-label="글자크기: 2"> <p>가</p> </button> <button class="btn f_l" data-fz="l" data-category_1depth="뉴스" data-category_2depth="뷰" data-section="header (fixed)" data-label="글자크기: 3"> <p>가</p> </button> <button class="btn f_xl" data-fz="xl" data-category_1depth="뉴스" data-category_2depth="뷰" data-section="header (fixed)" data-label="글자크기: 4"> <p>가</p> </button> </div> <button class="close_btn"> <i class="ic ic_close_m">닫기</i> </button> </div> </div> <div class="control_item_frame btn_control_node"> <button class="btn btn_ic print" data-category_1depth="뉴스" data-category_2depth="뷰" data-section="header (fixed)" data-label="프린트"> <i class="ic ic_print"></i> <span class="is_blind">인쇄하기</span> </button> </div> <div class="control_item_frame btn_control_node"> <button class="btn btn_ic 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data-category_2depth="뷰" data-section="header (fixed)" data-label="공유: 링크복사"> <i class="ic sns ic_link">링크 복사하기</i> </a> </div> <button class="close_btn"> <i class="ic ic_close_m">닫기</i> </button> </div> </div> <div class="control_item_frame"> <button class="btn btn_ic scrap" data-category_1depth="뉴스" data-category_2depth="뷰" data-section="header (fixed)" data-label="북마크"> <i class="ic ic_scrap"></i> <span class="is_blind">스크랩 하기</span> </button> </div> </div> </nav> </div> <div class="progress-container "> <div class="progress-bar" style="width: 0;"></div> </div> </header> <main id="container" class="detail_page no_image_page"> <h1 class="page_ttl is_blind">기사 상세</h1> <section class="contents"> <div class="fluid_wrapper"> <div id='TC_billboard' class="ad_box1"> <script> googletag.cmd.push(function() { googletag.display('TC_billboard'); }); </script> </div> </div> <div class="news_detail_head_group type_none_bg"> <section class="news_ttl_sec"> <div class="set_inner"> <div class="news_ttl_wrap"> <div class="txt_area"> <span class="cate c_point"> 증권 </span> <h2 class="news_ttl"> “300만원 벌면 이 정도는 저축하라”…1억 자산 만들기 방법 있다는데 </h2> </div> </div> </div> </section> </div> <div class="news_detail_body_group"> <section class="news_cnt_sec"> <div class="min_inner"> <aside class="news_cnt_nav_sec"> <div class="go_top is_active"> <button type="button" data-sec="top" data-category_1depth="뉴스" data-category_2depth="뷰" data-section="article_navi" data-label="top 이동"> <div class="circle"> <i class="arw arw_line_m top"></i> </div> <p>TOP</p> </button> </div> <div class="go_comment"> <button type="button" data-sec="cmm_wrap" data-category_1depth="뉴스" data-category_2depth="뷰" data-section="article_navi" data-label="댓글 이동"> <div class="circle"> <i class="ic ic_comment"></i> </div> <p>댓글 <em></em></p> </button> </div> <div class="go_recomm"> <button type="button" data-sec="news_detail_foot_group" data-category_1depth="뉴스" data-category_2depth="뷰" data-section="article_navi" data-label="추천기사 이동"> <div class="circle"> <i class="ic ic_star"></i> </div> <p>추천 기사</p> </button> </div> </aside> <header class="sec_head"> <div class="news_cnt_info_wrap type_name_list"> <div class="news_write_info_group"> <div class="info_area"> <dl class="author"> <a href="//www.mk.co.kr/author/1123" data-category_1depth="뉴스" data-category_2depth="뷰" data-section="header (inner)" data-label="정상봉 1123"> <dt class="name">정상봉 기자</dt> <dd class="email">jung.sangbong@mk.co.kr</dd> </a> </dl> <div class="time_area"> <dl class="registration"> <dt>입력 : </dt> <dd>2024-11-24 20:07:25</dd> </dl> </div> </div> </div> <div class="news_control_group"> <div class="control_item_frame"> <button class="btn btn_ic btn_summary" data-category_1depth="뉴스" data-category_2depth="뷰" data-section="header (inner)" data-label="기사요약"> <i class="ic ic_summary"></i> <span class="is_blind">뉴스 요약쏙</span> </button> <div class="option_group change_font_option news_sum_group"> <p class="sum_news">뉴스 요약쏙</p> <p class="ttl_sub">AI 요약은 본문의 핵심만 제공하므로, 전체 맥락을 이해하기 위해서는 기사 본문 전체를 확인하는 것이 좋습니다.</p> <button class="close_btn summary_close"><i class="ic ic_close_m ic_close_s">닫기</i></button> <div class="news_sum_text"> <p class="news_text">2030세대의 재테크 기본은 저축이며, 선저축·강제저축·정기저축·증액저축이 핵심이다. </p><p class="news_text">종자돈이 될 1억원을 모으는 것이 중요하며, 월급 인상을 감안해 매년 저축액을 늘려나가야 한다. </p><p class="news_text">급변동하는 가상자산에 대한 투자는 위험하며, 자신의 분야에서 성장하는 것이 더 중요하다.</p> </div> <div class="locked_login locked_box"> <div class="locked_bottom_pop" style="position:static;width:100%"> <div class="locked_wrapper"> <div class="locked_icon"><span class="ic_lock"><span class="is_blind">회원용</span></span></div> <div class="locked_tit">핵심 요약쏙은 회원용 콘텐츠입니다.</div> <div class="locked_txt">매일경제 최신 뉴스를 요약해서 빠르게 읽을 수 있습니다.</div> <div class="btn_area grid grid_4"> <div class="col col_6"><a href="javascript:mkJoin()" class="btn basic w_f h_l" data-category_1depth="뉴스" data-category_2depth="뷰" data-section="header (inner)" data-label="요약: 회원가입">무료 회원 가입</a></div> <div class="col col_6"><a href="javascript:mkLogin()" class="btn strong w_f h_l" data-category_1depth="뉴스" data-category_2depth="뷰" data-section="header (inner)" data-label="요약: 로그인">로그인</a></div> </div> </div> </div> </div> </div> </div> <div class="control_item_frame"> <button class="btn btn_ic chang_lang" data-category_1depth="뉴스" data-category_2depth="뷰" data-section="header (inner)" data-label="번역"> <i class="ic ic_lang"></i> <span class="is_blind">언어 변경하기</span> </button> <div class="option_group change_font_option"> <p>언어변경</p> <ul class="btn_area"> <li class="btn_item"> <a href="/en/stock/11176634" class="btn_link" data-category_1depth="뉴스" data-category_2depth="뷰" data-section="header (inner)" data-label="번역_영어"> <span class="eng">ENG</span> </a> </li> <li class="btn_item"> <a href="/jp/stock/11176634" class="btn_link" data-category_1depth="뉴스" data-category_2depth="뷰" data-section="header (inner)" data-label="번역_일본어"> <span class="jpn">JPN</span> </a> </li> <li class="btn_item"> <a href="/cn/stock/11176634" class="btn_link" data-category_1depth="뉴스" data-category_2depth="뷰" data-section="header (inner)" data-label="번역_중국어"> <span class="chn">CHN</span> </a> </li> </ul> <button class="close_btn"> <i class="ic ic_close_m">닫기</i> </button> </div> </div> <div class="control_item_frame"> <button class="btn btn_ic chang_font"> <i class="ic ic_font"></i> <span class="is_blind">글자 크기 변경하기</span> </button> <div class="option_group change_font_option"> <p>글자크기 설정</p> <div class="btn_area"> <button class="btn f_s" data-fz="s" data-category_1depth="뉴스" data-category_2depth="뷰" data-section="header (inner)" data-label="글자크기: 1"> <p data-category_1depth="뉴스" data-category_2depth="뷰" data-section="header (inner)" data-label="글자크기: 1">가</p> </button> <button class="btn f_m" data-fz="m" data-category_1depth="뉴스" data-category_2depth="뷰" data-section="header (inner)" data-label="글자크기: 2"> <p data-category_1depth="뉴스" data-category_2depth="뷰" data-section="header (inner)" data-label="글자크기: 2">가</p> </button> <button class="btn f_l" data-fz="l" data-category_1depth="뉴스" data-category_2depth="뷰" data-section="header (inner)" data-label="글자크기: 3"> <p data-category_1depth="뉴스" data-category_2depth="뷰" data-section="header (inner)" data-label="글자크기: 3">가</p> </button> <button class="btn f_xl" data-fz="xl" data-category_1depth="뉴스" data-category_2depth="뷰" data-section="header (inner)" data-label="글자크기: 4"> <p data-category_1depth="뉴스" data-category_2depth="뷰" data-section="header (inner)" data-label="글자크기: 4">가</p> </button> </div> <button class="close_btn"> <i class="ic ic_close_m">닫기</i> </button> </div> </div> <div class="control_item_frame btn_control_node"> <button class="btn btn_ic print" data-category_1depth="뉴스" data-category_2depth="뷰" data-section="header (inner)" data-label="프린트"> <i class="ic ic_print"></i> <span class="is_blind">인쇄하기</span> </button> </div> <div class="control_item_frame btn_control_node"> <button class="btn btn_ic btn_share"> <i class="ic ic_share"></i> <span class="is_blind">공유하기</span> </button> <div class="option_group share_option"> <p>기사 공유</p> <div class="btn_area"> <a href="#none" class="btn btn_emil" data-category_1depth="뉴스" data-category_2depth="뷰" data-section="header (inner)" data-label="공유: 이메일"> <i class="ic sns ic_email">이메일에 공유하기</i> </a> <a href="#none" class="btn btn_kakao" data-category_1depth="뉴스" data-category_2depth="뷰" data-section="header (inner)" data-label="공유: 카카오톡"> <i class="ic sns ic_kakao">카카오톡에 공유하기</i> </a> <a href="#none" class="btn btn_facebook" data-category_1depth="뉴스" data-category_2depth="뷰" data-section="header (inner)" data-label="공유: 페이스북"> <i class="ic sns ic_facebook">페이스북에 공유하기</i> </a> <a href="#none" class="btn btn_twitter" data-category_1depth="뉴스" data-category_2depth="뷰" data-section="header (inner)" data-label="공유: 트위터"> <i class="ic sns ic_twitter">트위터에 공유하기</i> </a> <a href="#none" class="btn btn_linkcopy" data-category_1depth="뉴스" data-category_2depth="뷰" data-section="header (inner)" data-label="공유: 링크복사"> <i class="ic sns ic_link">링크 복사하기</i> </a> </div> <button class="close_btn"> <i class="ic ic_close_m">닫기</i> </button> </div> </div> <div class="control_item_frame"> <button class="btn btn_ic scrap" data-category_1depth="뉴스" data-category_2depth="뷰" data-section="header (inner)" data-label="북마크"> <i class="ic ic_scrap"></i> <span class="is_blind">스크랩 하기</span> </button> </div> </div> </div> </header> <div class="sec_body"> <div class="news_cnt_detail_wrap" itemprop="articleBody"> <div refId="1" class="thumb_area img"> <figure> <div class="thumb"> <img loading="lazy" src="https://pimg.mk.co.kr/news/cms/202411/24/news-p.v1.20241124.b6fc97f3cb2f40e182ae7af9730e4b81_P1.png" orgWidth="600" orgHeight="422" alt="[사진 출처 = 픽사베이]" > <button class="btn btn_ic btn_zoom"> <i class="ic ic_zoom" data-url="https://pimg.mk.co.kr/news/cms/202411/24/news-p.v1.20241124.b6fc97f3cb2f40e182ae7af9730e4b81_R.png" data-width="600" data-height="422"></i> <span class="is_blind">사진 확대</span> </button> </div> <figcaption> <span class="thum_figure_txt">[사진 출처 = 픽사베이]</span> </figcaption> </figure></div><p refId="2">“2030 재테크의 기본은 저축이다. 선저축·강제저축·정기저축·증액저축이 핵심이다.”</p><p refId="3">직장인 재테크 멘토로 활동하는 김경필 한국머니트레이닝랩 대표는 23일 서울머니쇼플러스 강의에서 2030세대의 핵심은 우선 종자돈이 될 1억원을 모으는 것이라고 강조했다.</p><p refId="4">남는 돈을 입금하고 싶을 때 자유롭게 저축하는 것이 아니라 매달 정기적으로 저축하고 남은 돈으로 생활하자는 방법이다. 또 매년 월급 인상을 감안해 추가 저축의 여유가 생기는 만큼 증액저축을 통해 저축률을 유지해야 한다고 설명했다. 김 대표는 “저축하고 남는 돈을 쓰는 사람과 돈 쓰고 남는 돈을 저축하는 사람 중 후자는 영원히 저축을 못할 가능성이 높다”며 “먼저 돈을 모은 다음 아끼면서 불릴 기회를 만들 수 있을 것”이라고 덧붙였다.</p><p refId="5">김 대표는 300~350만원 월급여를 받는 30대 초반 직장인을 기준으로 월 130만원 정도의 저축액을 현실적인 목표로 제시했다. 대신 매년 130만원의 10%인 13만원씩 월 저축액을 늘리는 방법이다. 이런 방식을 통해 이자율 4% 기준으로 첫해 약 1600만원부터 시작해 5년 만에 1억원을 모을 수 있다. 김 대표는 “월급이 300만원도 안 되는 사회초년생의 경우 월 95만원으로 시작해 7년 만에 1억2000만원을 모을 수 있다”고 강조했다.</p><p refId="6">이어 김 대표는 2030세대의 코인투자 등에 대해선 조심스런 입장을 보였다. 급변동하는 가상자산에 대한 투자는 많은 시간을 필요로 하기 때문이다. 그는 “생각보다 많은 에너지가 소요되는 가상자산 투자는 일터에서의 성장과 발전을 저해할 가능성이 높다”며 “직장에서 성장해 본인이라는 종목을 성공시키는 것이 제일 중요하다”고 강조했다.</p><div id="refTotal" value="6"></div> </div> <div class="ad_contents"> <ul> <li class="left_conts"> <div id='BL_custom_rectangle' style=''> <script> googletag.cmd.push(function() { googletag.display('BL_custom_rectangle'); }); </script> </div> </li> <li class="right_conts"> <div id='BR_custom_rectangle' style=''> <script> googletag.cmd.push(function() { googletag.display('BR_custom_rectangle'); }); </script> </div> </li> </ul> </div> <div class="reaction_btn_wrap"> <p>이 기사가 마음에 들었다면, <b>좋아요를 눌러주세요.</b></p> <div class="like_btn_area"> <button class="btn btn_ic like" data-category_1depth="뉴스" data-category_2depth="뷰" data-section="기사하단" data-label="좋아요"> <i class="ic ic_like"></i> <span class="is_blind">좋아요</span> </button> <span>좋아요 <em>0</em></span> </div> </div> </div> <script 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