한 달 순수 생활비 300만원 시대… 대출·세금 다 뺐는데 노후 준비는 하고들 계신가

#4050 #RealisticAdvice #OfficeWorkerIn40s #MiddleAgedVlog #OfficeWorkerIn50s #MiddleAgedReality #RetirementPreparation #NationalPension #LivingExpenses #PensionSavings #MoneyManagement #AnxietyAboutRetirement #OfficeWorkerVlog #ManagerSongRecord 00:00 A weekday off, a bowl of bean rice with my four-year-old daughter 03:40 "After deducting loans, taxes, and savings, is my pure living expense 2.94 million won?" 07:50 The average pulled down by 8 million single-person households... My family spends more 11:30 I collect delivery coupons, but I haven't checked my pension even once I took an annual leave today. It was a day my wife was going to work and she wasn't going to daycare, so I had to look after my four-year-old daughter. When I ask "What do you want to eat?" at lunchtime, my daughter always says "bean rice." She calls natto mixed with eggs "bean rice." We sat facing each other, having prepared rice with beans for the child and sea urchin bibimbap for myself. Then, an article I saw a few days ago kept lingering in my mind. The average monthly living expense for Korean households is 2.94 million won. However, this figure excludes mortgage payments, taxes, National Pension and Health Insurance premiums, and retirement savings. It means that even after deducting loans, taxes, and savings, the pure amount spent is 2.94 million won a month. (On an annual basis, it is 2.94 million won, and in the most recent quarter, it rose to 3.008 million won.) Furthermore, this average includes 8.04 million single-person households (36.1% of the total). Single-person households pulled the average down to 2.94 million, but households like ours, raising children, are even higher on that figure. While we spend this much, how much attention are we actually paying to our retirement? I diligently collect delivery app coupons, yet I have never once checked my estimated National Pension payout. This is the story of a dad in his forties who got a late start, and who went blank while mixing bean rice for me. Source: National Data Center, "2025 Q4 and Annual Household Trends Survey," "2024 Population and Housing Census." I live a carefree life doing my best. I am Song Chajang Gireok, an office worker who came up from Busan and is holding out in Seoul. 📢 [Send Stories & Communicate] We are waiting for stories from office workers and heads of households who are living with similar worries. Don't suffer in silence; please open up. Anonymity is strictly guaranteed. Your story can be a great comfort to someone. 👉 Email: [email protected] ⚠️ [Copyright Notice] All content (script, audio, video edits) in this video belongs to the [Song Chajang Gireok] channel. Unauthorized use, reposting, and secondary processing/uploading are prohibited, and legal action may be taken in case of violation. Story Submissions & Inquiries 👉 Email: [email protected]