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			<title>집값은 올랐는데 생활비가 부족한 은퇴 가계</title>
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			<title>청년 전세대출 광고와 실제 승인금액이 다를 때</title>
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			<title>배우자 사망 후 달라지는 1인 가구 생활비</title>
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			<title>교육비 인출 시기가 다가올 때 투자 위험 줄이기</title>
			<pubDate><![CDATA[Sat, 05 Sep 2026 13:21:12 +0000]]></pubDate>
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			<title>내 집 마련 후 비상금이 0원이 되는 계약은 괜찮을까</title>
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			<title>카드 결제일마다 마이너스가 되는 월급 관리법</title>
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			<title>퇴직금을 한 번에 투자하기 전 생활비를 분리하는 법</title>
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			<title>아이 방을 위해 집을 넓히면 저축이 얼마나 줄어들까</title>
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			<title>결혼식 예산 때문에 신혼 비상금이 사라진다면</title>
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			<title>퇴직연금 DB형과 DC형을 처음 접했을 때</title>
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			<title>매달 분배금을 받아도 원금이 줄 수 있는 이유</title>
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			<title>소득이 줄기 전에 대출 만기 구조를 점검하는 법</title>
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			<title>육아휴직 중 줄어드는 소득을 메우는 1년 예산</title>
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			<title>주택자금 때문에 연금저축을 해지하려 할 때</title>
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			<title>자가에서 월세로 옮길 때 노후자금 다시 계산하기</title>
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			<title>성인 자녀 지원을 언제까지 얼마나 할 수 있을까</title>
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			<title>경력단절 기간이 노후소득에 미치는 영향 점검하기</title>
			<pubDate><![CDATA[Sat, 05 Sep 2026 09:15:41 +0000]]></pubDate>
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			<title>부부의 투자 성향이 반대일 때 계좌를 나누는 기준</title>
			<pubDate><![CDATA[Sat, 05 Sep 2026 09:14:05 +0000]]></pubDate>
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			<title>첫 전세계약 전 확인할 보증금 반환 위험</title>
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			<title>자녀의 대출 보증 부탁을 받았을 때 검토할 대안</title>
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			<title>국민연금 조기수령과 정상수령을 비교하는 법</title>
			<pubDate><![CDATA[Sat, 05 Sep 2026 07:55:27 +0000]]></pubDate>
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			<title>자녀 명의 투자를 시작하기 전 소유와 세금 확인하기</title>
			<pubDate><![CDATA[Sat, 05 Sep 2026 07:54:28 +0000]]></pubDate>
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			<guid><![CDATA[https://moneyandwhy.com/ko/community/discussion/대출-30년과-40년-월-상환액과-총이자의-차이/]]></guid>
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			<title>대출 30년과 40년, 월 상환액과 총이자의 차이</title>
			<pubDate><![CDATA[Sat, 05 Sep 2026 07:53:32 +0000]]></pubDate>
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			<title>학자금대출 상환과 첫 적금 중 무엇을 먼저 할까</title>
			<pubDate><![CDATA[Sat, 05 Sep 2026 07:51:31 +0000]]></pubDate>
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			<title>국민연금과 개인연금의 입금일로 월 생활비 설계하기</title>
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			<guid><![CDATA[https://moneyandwhy.com/ko/community/discussion/퇴직-직전-큰-하락장을-맞으면-계획을-어떻게-바꿀까/]]></guid>
			<link><![CDATA[https://moneyandwhy.com/ko/community/discussion/퇴직-직전-큰-하락장을-맞으면-계획을-어떻게-바꿀까/]]></link>
			<title>퇴직 직전 큰 하락장을 맞으면 계획을 어떻게 바꿀까</title>
			<pubDate><![CDATA[Sat, 05 Sep 2026 06:37:50 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://moneyandwhy.com/ko/community/discussion/학군-때문에-이사할-때-교육비와-주거비-함께-계산하/]]></guid>
			<link><![CDATA[https://moneyandwhy.com/ko/community/discussion/학군-때문에-이사할-때-교육비와-주거비-함께-계산하/]]></link>
			<title>학군 때문에 이사할 때 교육비와 주거비 함께 계산하기</title>
			<pubDate><![CDATA[Sat, 05 Sep 2026 06:33:48 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://moneyandwhy.com/ko/community/discussion/소득-차이가-큰-부부는-생활비를-어떻게-나눌까/]]></guid>
			<link><![CDATA[https://moneyandwhy.com/ko/community/discussion/소득-차이가-큰-부부는-생활비를-어떻게-나눌까/]]></link>
			<title>소득 차이가 큰 부부는 생활비를 어떻게 나눌까</title>
			<pubDate><![CDATA[Sat, 05 Sep 2026 06:33:02 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://moneyandwhy.com/ko/community/discussion/첫-월급의-국민연금-공제액은-무엇을-위한-돈일까/]]></guid>
			<link><![CDATA[https://moneyandwhy.com/ko/community/discussion/첫-월급의-국민연금-공제액은-무엇을-위한-돈일까/]]></link>
			<title>첫 월급의 국민연금 공제액은 무엇을 위한 돈일까</title>
			<pubDate><![CDATA[Sat, 05 Sep 2026 06:32:05 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://moneyandwhy.com/ko/community/discussion/부부-중-한-명만-연금을-준비하고-있다면/]]></guid>
			<link><![CDATA[https://moneyandwhy.com/ko/community/discussion/부부-중-한-명만-연금을-준비하고-있다면/]]></link>
			<title>부부 중 한 명만 연금을 준비하고 있다면</title>
			<pubDate><![CDATA[Sat, 05 Sep 2026 05:20:05 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://moneyandwhy.com/ko/community/discussion/생활비를-인출하는-동안-하락장이-오면-무엇을-바꿀/]]></guid>
			<link><![CDATA[https://moneyandwhy.com/ko/community/discussion/생활비를-인출하는-동안-하락장이-오면-무엇을-바꿀/]]></link>
			<title>생활비를 인출하는 동안 하락장이 오면 무엇을 바꿀까</title>
			<pubDate><![CDATA[Sat, 05 Sep 2026 05:17:42 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://moneyandwhy.com/ko/community/discussion/퇴직-전에-주택대출을-전부-갚아야-할까/]]></guid>
			<link><![CDATA[https://moneyandwhy.com/ko/community/discussion/퇴직-전에-주택대출을-전부-갚아야-할까/]]></link>
			<title>퇴직 전에 주택대출을 전부 갚아야 할까</title>
			<pubDate><![CDATA[Sat, 05 Sep 2026 05:16:37 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://moneyandwhy.com/ko/community/discussion/학원비가-늘어도-가계가-버틸-수-있는-상한선/]]></guid>
			<link><![CDATA[https://moneyandwhy.com/ko/community/discussion/학원비가-늘어도-가계가-버틸-수-있는-상한선/]]></link>
			<title>학원비가 늘어도 가계가 버틸 수 있는 상한선</title>
			<pubDate><![CDATA[Sat, 05 Sep 2026 05:15:52 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://moneyandwhy.com/ko/community/discussion/첫-투자에서-손실이-났다-금액보다-먼저-점검할-투자/]]></guid>
			<link><![CDATA[https://moneyandwhy.com/ko/community/discussion/첫-투자에서-손실이-났다-금액보다-먼저-점검할-투자/]]></link>
			<title>첫 투자에서 손실이 났다: 금액보다 먼저 점검할 투자 목적</title>
			<pubDate><![CDATA[Sat, 05 Sep 2026 05:13:52 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://moneyandwhy.com/ko/community/discussion/주택연금과-집-매각-중-무엇을-비교해야-할까/]]></guid>
			<link><![CDATA[https://moneyandwhy.com/ko/community/discussion/주택연금과-집-매각-중-무엇을-비교해야-할까/]]></link>
			<title>주택연금과 집 매각 중 무엇을 비교해야 할까</title>
			<pubDate><![CDATA[Sat, 05 Sep 2026 04:01:59 +0000]]></pubDate>
		</item>
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			<guid><![CDATA[https://moneyandwhy.com/ko/community/discussion/퇴직-전-마지막-5년-저축률보다-먼저-볼-숫자/]]></guid>
			<link><![CDATA[https://moneyandwhy.com/ko/community/discussion/퇴직-전-마지막-5년-저축률보다-먼저-볼-숫자/]]></link>
			<title>퇴직 전 마지막 5년, 저축률보다 먼저 볼 숫자</title>
			<pubDate><![CDATA[Sat, 05 Sep 2026 04:01:24 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://moneyandwhy.com/ko/community/discussion/자녀-교육비와-노후-저축-중-무엇을-줄여야-할까/]]></guid>
			<link><![CDATA[https://moneyandwhy.com/ko/community/discussion/자녀-교육비와-노후-저축-중-무엇을-줄여야-할까/]]></link>
			<title>자녀 교육비와 노후 저축 중 무엇을 줄여야 할까</title>
			<pubDate><![CDATA[Sat, 05 Sep 2026 04:00:45 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://moneyandwhy.com/ko/community/discussion/2년-뒤-쓸-결혼자금을-주식으로-운용해도-될까/]]></guid>
			<link><![CDATA[https://moneyandwhy.com/ko/community/discussion/2년-뒤-쓸-결혼자금을-주식으로-운용해도-될까/]]></link>
			<title>2년 뒤 쓸 결혼자금을 주식으로 운용해도 될까</title>
			<pubDate><![CDATA[Sat, 05 Sep 2026 04:00:02 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://moneyandwhy.com/ko/community/discussion/첫-독립-보증금보다-먼저-계산할-월-주거비/]]></guid>
			<link><![CDATA[https://moneyandwhy.com/ko/community/discussion/첫-독립-보증금보다-먼저-계산할-월-주거비/]]></link>
			<title>첫 독립, 보증금보다 먼저 계산할 월 주거비</title>
			<pubDate><![CDATA[Sat, 05 Sep 2026 03:59:09 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://moneyandwhy.com/ko/community/discussion/매달-생활비는-맞는데-목돈-지출-때마다-적자가-난다/]]></guid>
			<link><![CDATA[https://moneyandwhy.com/ko/community/discussion/매달-생활비는-맞는데-목돈-지출-때마다-적자가-난다/]]></link>
			<title>매달 생활비는 맞는데 목돈 지출 때마다 적자가 난다면</title>
			<pubDate><![CDATA[Sat, 05 Sep 2026 01:52:33 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://moneyandwhy.com/ko/community/discussion/퇴직일부터-첫-연금까지-소득-공백을-메우는-네-가지/]]></guid>
			<link><![CDATA[https://moneyandwhy.com/ko/community/discussion/퇴직일부터-첫-연금까지-소득-공백을-메우는-네-가지/]]></link>
			<title>퇴직일부터 첫 연금까지: 소득 공백을 메우는 네 가지 방법</title>
			<pubDate><![CDATA[Sat, 05 Sep 2026 01:51:51 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://moneyandwhy.com/ko/community/discussion/3년-뒤-교육비를-투자했다가-손실이-났을-때/]]></guid>
			<link><![CDATA[https://moneyandwhy.com/ko/community/discussion/3년-뒤-교육비를-투자했다가-손실이-났을-때/]]></link>
			<title>3년 뒤 교육비를 투자했다가 손실이 났을 때</title>
			<pubDate><![CDATA[Sat, 05 Sep 2026 01:51:18 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://moneyandwhy.com/ko/community/discussion/신혼집-전세와-월세-같은-조건으로-비용-비교하기/]]></guid>
			<link><![CDATA[https://moneyandwhy.com/ko/community/discussion/신혼집-전세와-월세-같은-조건으로-비용-비교하기/]]></link>
			<title>신혼집 전세와 월세, 같은 조건으로 비용 비교하기</title>
			<pubDate><![CDATA[Sat, 05 Sep 2026 01:50:06 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://moneyandwhy.com/]]></guid>
			<link><![CDATA[https://moneyandwhy.com/]]></link>
			<title>홈</title>
			<pubDate><![CDATA[Mon, 17 Aug 2026 20:08:17 +0000]]></pubDate>
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