{"id":196,"date":"2025-12-16T17:00:20","date_gmt":"2025-12-16T17:00:20","guid":{"rendered":"https:\/\/seoulcast.com\/?post_type=podcast&#038;p=196"},"modified":"2025-12-12T11:59:13","modified_gmt":"2025-12-12T11:59:13","slug":"irs-when-retire","status":"publish","type":"podcast","link":"https:\/\/seoulcast.com\/?podcast=irs-when-retire","title":{"rendered":"IRS\ub3c4 \uad73\uc774 \uc54c\ub824\uc8fc\uc9c0 \uc54a\ub294 \uc870\uae30 \uc740\ud1f4\uc758 \uce58\ud2b8\ud0a4 (Rule 72t &#038; 55 \uc644\ubcbd \ubd84\uc11d)"},"content":{"rendered":"<p><iframe loading=\"lazy\" title=\"\" src=\"https:\/\/www.youtube.com\/embed\/NoyfX8nuedE\" width=\"668\" height=\"376\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<p data-path-to-node=\"4\">\uc740\ud1f4 \uc2dc\uae30\ub97c \uacb0\uc815\ud558\ub294 \uac83\uc740 \ub2e8\uc21c\ud788 &#8220;\uc5b8\uc81c \uc77c\uc744 \uadf8\ub9cc\ub458\uae4c?&#8221;\uc758 \ubb38\uc81c\uac00 \uc544\ub2d9\ub2c8\ub2e4. \uadf8\uac83\uc740 \ub0a8\uc740 30\ub144, 40\ub144 \uc778\uc0dd\uc758 &#8216;\ud488\uaca9&#8217;\uc744 \uacb0\uc815\ud558\ub294 \uac00\uc7a5 \uc911\uc694\ud55c \uc7ac\ubb34\uc801 \uc120\ud0dd\uc785\ub2c8\ub2e4.<\/p>\n<p data-path-to-node=\"5\">\ub9ce\uc740 \ubd84\uc774 \ub9c9\uc5f0\ud558\uac8c &#8216;\ud30c\uc774\uc5b4\uc871&#8217;\uc744 \uafc8\uafb8\uac70\ub098, \ubc18\ub300\ub85c &#8216;\uc8fd\uc744 \ub54c\uae4c\uc9c0 \uc77c\ud574\uc57c \ud558\ub098&#8217; \uac71\uc815\ud569\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uac10\uc774 \uc544\ub2cc &#8216;\uc22b\uc790&#8217;\ub85c \ud655\uc778\ud574 \ubcf4\uc2e0 \uc801 \uc788\ub098\uc694?<\/p>\n<p data-path-to-node=\"6\">\uc774\ubc88 \ud31f\uce90\uc2a4\ud2b8 \uc601\uc0c1\uc5d0\uc11c\ub294 \ub3d9\uc77c\ud55c \ucd08\uae30 \uc790\uae08\uacfc \ub3d9\uc77c\ud55c \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uac00\uc9c0\uace0 \uc788\ub2e4\ub294 \uac00\uc815\ud558\uc5d0, \uc740\ud1f4 \uc2dc\uae30\ub97c <b>50\uc138, 55\uc138, 60\uc138, \uadf8\ub9ac\uace0 67\uc138<\/b>\ub85c \ub2ec\ub9ac\ud588\uc744 \ub54c \uc6b0\ub9ac\uc758 \ub178\ud6c4 \uc218\uc785\uc774 \uc5b4\ub5bb\uac8c \ub2ec\ub77c\uc9c0\ub294\uc9c0 \uc801\ub098\ub77c\ud558\uac8c \ube44\uad50\ud574 \ub4dc\ub9bd\ub2c8\ub2e4.<\/p>\n<p data-path-to-node=\"7\"><b>[\uc774 \uc601\uc0c1\uc5d0\uc11c \ub2e4\ub8e8\ub294 \ud575\uc2ec \ub0b4\uc6a9]<\/b><\/p>\n<ol start=\"1\" data-path-to-node=\"8\">\n<li>\n<p data-path-to-node=\"8,0,0\"><b>4\uac00\uc9c0 \uc740\ud1f4 \uc2dc\ub098\ub9ac\uc624 \ube44\uad50 \ubd84\uc11d:<\/b> \ub2e8 5\ub144, 10\ub144\uc758 \ucc28\uc774\uac00 \uc740\ud1f4 \ud6c4 \uc6d4 \ud604\uae08 \ud750\ub984\uc5d0 \uc5b4\ub5a4 &#8216;\ub098\ube44 \ud6a8\uacfc&#8217;\ub97c \ubd88\ub7ec\uc624\ub294\uc9c0 \uad6c\uccb4\uc801\uc778 \uae08\uc561\uc73c\ub85c \uc2dc\ubbac\ub808\uc774\uc158\ud569\ub2c8\ub2e4. 50\uc138 \uc740\ud1f4\uc640 67\uc138 \uc740\ud1f4\uc758 \ucc28\uc774\ub294 \uc5ec\ub7ec\ubd84\uc758 \uc0c1\uc0c1\uc744 \ucd08\uc6d4\ud569\ub2c8\ub2e4.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"8,1,0\"><b>\uc870\uae30 \uc740\ud1f4\uc790\ub97c \uc704\ud55c \uad6d\uc138\uccad\uc758 \uc228\uaca8\uc9c4 \ub8f0 (IRS Rules):<\/b> 59.5\uc138 \uc774\uc804\uc5d0 \uc740\ud1f4\ud558\uba74 \ubc8c\uae08\uc744 \ub0b8\ub2e4? \ubc18\uc740 \ub9de\uace0 \ubc18\uc740 \ud2c0\ub9bd\ub2c8\ub2e4. \ud398\ub110\ud2f0 \uc5c6\uc774 \ub0b4 \ub3c8\uc744 \uaebc\ub0b4 \uc4f8 \uc218 \uc788\ub294 **&#8217;Rule 72t&#8217;**\uc640 **&#8217;Rule of 55&#8217;**\uc758 \uac1c\ub150\uacfc \ud65c\uc6a9\ubc95\uc744 \uc54c\uae30 \uc27d\uac8c \uc815\ub9ac\ud574 \ub4dc\ub9bd\ub2c8\ub2e4. \uc870\uae30 \uc740\ud1f4\ub97c \uacc4\ud68d \uc911\uc774\ub77c\uba74 \ubc18\ub4dc\uc2dc \uc54c\uc544\uc57c \ud560 \ud544\uc218 \uc9c0\uc2dd\uc785\ub2c8\ub2e4.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"8,2,0\"><b>\ubcf5\ub9ac\uc758 \ub9c8\ubc95 vs \ubcf5\ub9ac\uc758 \ud3ed\ub825:<\/b> \ud22c\uc790 \uae30\uac04\uc774 \uae38\uc5b4\uc9c8\uc218\ub85d \ubcf5\ub9ac \ud6a8\uacfc\uac00 \uc790\uc0b0\uc744 \uc5b4\ub5bb\uac8c \uae30\ud558\uae09\uc218\uc801\uc73c\ub85c \uc99d\ud3ed\uc2dc\ud0a4\ub294\uc9c0 \ubcf4\uc5ec\ub4dc\ub9bd\ub2c8\ub2e4. \uc2dc\uac04\uc774 \ubc8c\uc5b4\ub2e4 \uc8fc\ub294 \ub3c8\uc774 \ub0b4\uac00 \uc77c\ud574\uc11c \ubc84\ub294 \ub3c8\uc744 \ub118\uc5b4\uc11c\ub294 \uc21c\uac04\uc744 \ud655\uc778\ud558\uc138\uc694.<\/p>\n<\/li>\n<\/ol>\n<p data-path-to-node=\"9\"><b>[\uacb0\ub860]<\/b> \uc774 \ubd84\uc11d\uc758 \ubaa9\uc801\uc740 \ubb34\uc870\uac74 &#8220;\uc8fd\ub3c4\ub85d \uc624\ub798 \uc77c\ud558\ub77c&#8221;\ub294 \uac83\uc774 \uc544\ub2d9\ub2c8\ub2e4. \ub9f9\ubaa9\uc801\uc778 \uc870\uae30 \uc740\ud1f4\uac00 \uac00\uc838\uc62c \uc218 \uc788\ub294 \ub9ac\uc2a4\ud06c\ub97c \uc9c1\uc2dc\ud558\uace0, \uc5ec\ub7ec\ubd84\uc774 \uc6d0\ud558\ub294 \ub77c\uc774\ud504\uc2a4\ud0c0\uc77c\uc744 \uc720\uc9c0\ud558\uae30 \uc704\ud574 \ud544\uc694\ud55c <b>&#8216;\uc801\uc808\ud55c(Just Right)&#8217;<\/b> \uc740\ud1f4 \uc2dc\uc810\uc744 \ucc3e\ub3c4\ub85d \ub3d5\ub294 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p data-path-to-node=\"10\">\ub2f9\uc2e0\uc758 \ub178\ud6c4, \uc900\ube44\ub41c \uc790\ub9cc\uc774 \ub204\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc9c0\uae08 \ubc14\ub85c \ud31f\uce90\uc2a4\ud2b8 \uc601\uc0c1\uc5d0\uc11c \ud655\uc778\ud558\uc138\uc694!<\/p>\n<p data-path-to-node=\"10\">#\uc740\ud1f4\uc900\ube44 #\ub178\ud6c4\uc790\uae08 #\uc870\uae30\uc740\ud1f4 #\ubcf5\ub9ac\ud6a8\uacfc #Rule72t #Ruleof55 #\ubbf8\uad6d\uc8fc\uc2dd #\ud30c\uc774\uc5b4\uc871 #\uc7ac\ud14c\ud06c #\uc740\ud1f4\ud3ec\ud2b8\ud3f4\ub9ac\uc624<\/p>\n<p data-path-to-node=\"10\">\uc81c\ud734 \ubb38\uc758 : info@seoulcast.com<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uc740\ud1f4 \uc2dc\uae30\ub97c \uacb0\uc815\ud558\ub294 \uac83\uc740 \ub2e8\uc21c\ud788 &#8220;\uc5b8\uc81c \uc77c\uc744 \uadf8\ub9cc\ub458\uae4c?&#8221;\uc758 \ubb38\uc81c\uac00 \uc544\ub2d9\ub2c8\ub2e4. \uadf8\uac83\uc740 \ub0a8\uc740 30\ub144, 40\ub144 \uc778\uc0dd\uc758 &#8216;\ud488\uaca9&#8217;\uc744 \uacb0\uc815\ud558\ub294 \uac00\uc7a5 \uc911\uc694\ud55c \uc7ac\ubb34\uc801 \uc120\ud0dd\uc785\ub2c8\ub2e4. \ub9ce\uc740 \ubd84\uc774 \ub9c9\uc5f0\ud558\uac8c &#8216;\ud30c\uc774\uc5b4\uc871&#8217;\uc744 \uafc8\uafb8\uac70\ub098, \ubc18\ub300\ub85c &#8216;\uc8fd\uc744 \ub54c\uae4c\uc9c0 \uc77c\ud574\uc57c \ud558\ub098&#8217; \uac71\uc815\ud569\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uac10\uc774 \uc544\ub2cc &#8216;\uc22b\uc790&#8217;\ub85c \ud655\uc778\ud574 \ubcf4\uc2e0 \uc801 \uc788\ub098\uc694? \uc774\ubc88 \ud31f\uce90\uc2a4\ud2b8 \uc601\uc0c1\uc5d0\uc11c\ub294 \ub3d9\uc77c\ud55c \ucd08\uae30 \uc790\uae08\uacfc \ub3d9\uc77c\ud55c \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uac00\uc9c0\uace0 \uc788\ub2e4\ub294 \uac00\uc815\ud558\uc5d0, \uc740\ud1f4 \uc2dc\uae30\ub97c 50\uc138, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":197,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"","meta":{"episode_type":"audio","audio_file":"","cover_image":"http:\/\/seoulcast.com\/wp-content\/uploads\/2025\/12\/Untitled-design-2025-12-12T033413.812.png","cover_image_id":"197","duration":"","filesize":"","date_recorded":"","explicit":"","block":"","itunes_episode_number":"","itunes_title":"","itunes_season_number":"","itunes_episode_type":"","filesize_raw":""},"tags":[477,487,478,479,480,283,486,485,401,484,490,482,492,483,489,475,476,491,481,488],"series":[82],"class_list":["post-196","podcast","type-podcast","status-publish","has-post-thumbnail","hentry","tag-401k-","tag-67-","tag-ira-","tag-rule-72t-","tag-rule-of-55","tag-sp500","tag-486","tag-485","tag-401","tag-484","tag-490","tag-482","tag-492","tag-483","tag-489","tag-475","tag-476","tag-491","tag-481","tag-488","series-82"],"episode_featured_image":"https:\/\/seoulcast.com\/wp-content\/uploads\/2025\/12\/Untitled-design-2025-12-12T033413.812.png","episode_player_image":"https:\/\/seoulcast.com\/wp-content\/uploads\/2025\/12\/Untitled-design-2025-12-12T033413.812.png","download_link":"","player_link":"","audio_player":false,"episode_data":{"playerMode":"dark","subscribeUrls":{"apple_podcasts":{"key":"apple_podcasts","url":"","label":"Apple Podcasts","class":"apple_podcasts","icon":"apple-podcasts.png"},"stitcher":{"key":"stitcher","url":"","label":"Stitcher","class":"stitcher","icon":"stitcher.png"},"google_podcasts":{"key":"google_podcasts","url":"","label":"Google Podcasts","class":"google_podcasts","icon":"google-podcasts.png"},"spotify":{"key":"spotify","url":"","label":"Spotify","class":"spotify","icon":"spotify.png"}},"rssFeedUrl":"https:\/\/seoulcast.com\/?feed=podcast&podcast_series=%ec%9d%80%ed%87%b4%ec%9d%b4%ec%95%bc%ea%b8%b0","embedCode":"<blockquote class=\"wp-embedded-content\" data-secret=\"SDxhnY3iG8\"><a href=\"https:\/\/seoulcast.com\/?podcast=irs-when-retire\">IRS\ub3c4 \uad73\uc774 \uc54c\ub824\uc8fc\uc9c0 \uc54a\ub294 \uc870\uae30 \uc740\ud1f4\uc758 \uce58\ud2b8\ud0a4 (Rule 72t &#038; 55 \uc644\ubcbd \ubd84\uc11d)<\/a><\/blockquote><iframe sandbox=\"allow-scripts\" security=\"restricted\" src=\"https:\/\/seoulcast.com\/?podcast=irs-when-retire&#038;embed=true#?secret=SDxhnY3iG8\" width=\"500\" height=\"350\" title=\"&#8220;IRS\ub3c4 \uad73\uc774 \uc54c\ub824\uc8fc\uc9c0 \uc54a\ub294 \uc870\uae30 \uc740\ud1f4\uc758 \uce58\ud2b8\ud0a4 (Rule 72t &#038; 55 \uc644\ubcbd \ubd84\uc11d)&#8221; &#8212; seoulcast\" data-secret=\"SDxhnY3iG8\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\" class=\"wp-embedded-content\"><\/iframe><script>\n\/*! 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