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재테크(Assets) vs 산테크(Income) 
단기 장기(노후대비) 
목돈마련 현금창출 
교육,결혼,주택 생활비 
재무설계 필요성
4개 통장 쪼개기 
➢ 급여통장 
➢ 소비통장 
➢ 투자통장 
➢ 비상통장 
자산관리 첫걸음
똑똑 가계부
재무설계용 스마트 재무계산기
스마트한 재테크
재테크 재무설계 부자되기
주택연금이 필요할 때 
주택연금 
개인연금 부족 
국민연금 부족 
퇴직연금 부족 
노후설계 4층구조
주택연금

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재무설계