{"id":16916,"date":"2026-01-18T13:06:31","date_gmt":"2026-01-18T13:06:31","guid":{"rendered":"https:\/\/cryptozen.asia\/kr\/%ec%97%98%eb%a6%ac%ec%9e%90%eb%b2%a0%ec%8a%a4-%ec%9b%8c%eb%9f%b0-%ec%95%94%ed%98%b8%ed%99%94%ed%8f%90%eb%a1%9c-%ec%9d%b8%ed%95%b4-%eb%af%b8%ea%b5%ad%ec%9d%b8%eb%93%a4%ec%9d%b4-%ed%81%b0-%ec%86%90\/"},"modified":"2026-01-18T13:06:31","modified_gmt":"2026-01-18T13:06:31","slug":"%ec%97%98%eb%a6%ac%ec%9e%90%eb%b2%a0%ec%8a%a4-%ec%9b%8c%eb%9f%b0-%ec%95%94%ed%98%b8%ed%99%94%ed%8f%90%eb%a1%9c-%ec%9d%b8%ed%95%b4-%eb%af%b8%ea%b5%ad%ec%9d%b8%eb%93%a4%ec%9d%b4-%ed%81%b0-%ec%86%90","status":"publish","type":"post","link":"https:\/\/cryptozen.asia\/kr\/%ec%97%98%eb%a6%ac%ec%9e%90%eb%b2%a0%ec%8a%a4-%ec%9b%8c%eb%9f%b0-%ec%95%94%ed%98%b8%ed%99%94%ed%8f%90%eb%a1%9c-%ec%9d%b8%ed%95%b4-%eb%af%b8%ea%b5%ad%ec%9d%b8%eb%93%a4%ec%9d%b4-%ed%81%b0-%ec%86%90\/","title":{"rendered":"\uc5d8\ub9ac\uc790\ubca0\uc2a4 \uc6cc\ub7f0, \uc554\ud638\ud654\ud3d0\ub85c \uc778\ud574 \ubbf8\uad6d\uc778\ub4e4\uc774 ‘\ud070 \uc190\uc2e4’\uc744 \uc785\uc744 \uc218 \uc788\ub2e4\uace0 \uacbd\uace0 – U.Today"},"content":{"rendered":"

\uc5d8\ub9ac\uc790\ubca0\uc2a4 \uc6cc\ub7f0 \uc0c1\uc6d0\uc758\uc6d0\uc758 \ubc18\ub300 \uc785\uc7a5<\/h2>\n

\uc5d8\ub9ac\uc790\ubca0\uc2a4 \uc6cc\ub7f0 \uc0c1\uc6d0\uc758\uc6d0\uc740 \ucd5c\uadfc \ubbf8\uad6d\uc758 \uc815\ucc45 \ubcc0\ud654\uc5d0 \ub300\ud574 \uacf5\uac1c\uc801\uc73c\ub85c \ubc18\ub300 \uc785\uc7a5\uc744 \ud45c\uba85\ud558\uace0 \uc788\ub2e4. \uc774 \ubcc0\ud654\ub294 \uc554\ud638\ud654\ud3d0\uac00 401(k) \ud1f4\uc9c1 \uc5f0\uae08 \uacc4\ud68d<\/strong> \ubc0f \uc720\uc0ac\ud55c \ud655\uc815 \uae30\uc5ec \uacc4\uc88c\uc5d0\uc11c \uc81c\uacf5\ub420 \uc218 \uc788\ub294 \uae38\uc744 \uc5f4\uc5b4\uc900\ub2e4. \uadf8\ub140\ub294 \uc554\ud638\ud654\ud3d0\uac00 \ubbf8\uad6d\uc758 \ud1f4\uc9c1 \uacc4\uc88c\uc5d0 \ud3ec\ud568\ub418\ub294 \uac83\uc774 \uadfc\ub85c\uc790\uc640 \uadf8 \uac00\uc871\ub4e4\uc5d0\uac8c \ud070 \uc190\uc2e4\uc744 \ucd08\ub798\ud560 \uc218 \uc788\ub294 \uc704\ud5d8\ud55c \uae30\ubc18<\/strong>\uc774 \ub420 \uac83\uc774\ub77c\uace0 \uc8fc\uc7a5\ud588\ub2e4.<\/p>\n

\n

“\ub098\ub294 \ub2f5\ubcc0\uc744 \uc694\uad6c\ud558\uace0 \uc788\ub2e4”\uace0 \uadf8\ub140\ub294 \ub9d0\ud588\ub2e4.<\/p>\n<\/blockquote>\n

\uc5ed\uc0ac\uc801\uc73c\ub85c \ub178\ub3d9\ubd80\uc640 \uac19\uc740 \uae30\uad00\ub4e4\uc740 401(k) \uacc4\ud68d \ud6c4\uc6d0\uc790\ub4e4\uc5d0\uac8c \uc554\ud638\ud654\ud3d0\ub97c \uc218\uc6a9\ud558\uc9c0 \ub9d0 \uac83\uc744 \uacbd\uace0\ud574\uc654\ub2e4. \uc774 \uc2e0\uc0dd \uc790\uc0b0 \ud074\ub798\uc2a4\ub294 \ub192\uc740 \ubcc0\ub3d9\uc131\uacfc \uae30\ud0c0 \uc694\uc778\ub4e4\ub85c \uc778\ud574 \ub108\ubb34 \uc704\ud5d8\ud558\ub2e4\uace0 \uc5ec\uaca8\uc84c\ub2e4<\/strong>. 2025\ub144\uc5d0\ub294 \ud1f4\uc9c1 \uacc4\uc88c\uc5d0\uc11c \uc554\ud638\ud654\ud3d0\uc5d0 \ub300\ud55c \uacbd\uace0\ub97c \ub2f4\uc740 \uc5f0\ubc29 \uc9c0\uce68\uc774 \ucca0\ud68c\ub418\uba74\uc11c \uadf8 \uacbd\uace0\uac00 \uc2e0\uc18d\ud788 \ud3d0\uae30\ub418\uc5c8\ub2e4.<\/p>\n

\ucd5c\uadfc \uc99d\uad8c\uac70\ub798\uc704\uc6d0\ud68c(SEC)\uc5d0 \ubcf4\ub0b8 \ud3b8\uc9c0\uc5d0\uc11c \uc6cc\ub7f0\uc740 401(k)\uac00 \ub300\ub2e4\uc218\uc758 \uadfc\ub85c\uc790\uc640 \uac00\uc871\ub4e4\uc5d0\uac8c \ud22c\uae30\uc801 \uc790\uc0b0\uc744 \uc704\ud55c \uc7a5\uc18c\uac00 \uc544\ub2d0 \uac00\ub2a5\uc131\uc774 \ub192\ub2e4\uace0 \uc8fc\uc7a5\ud588\ub2e4<\/strong>. \uadf8\ub140\uc5d0 \ub530\ub974\uba74, \uc774\ub7ec\ud55c \uacc4\uc88c\uc5d0 \uc554\ud638\ud654\ud3d0\ub97c \ud5c8\uc6a9\ud558\ub294 \uac83\uc740 \uac11\uc791\uc2a4\ub7ec\uc6b4 \uac00\uaca9 \ubcc0\ub3d9\uacfc \ubd88\ud22c\uba85\ud55c \uc2dc\uc7a5\uc5d0 \ub300\ud55c \ub178\ucd9c\uc744 \uc99d\uac00\uc2dc\ud0ac \uc218 \uc788\ub2e4<\/strong>.<\/p>\n

\uc554\ud638\ud654\ud3d0\ub294 \uc5ed\uc0ac\uc801 \uc131\uacfc \ub370\uc774\ud130, \ud45c\uc900\ud654\ub41c \ud3c9\uac00 \ubc29\ubc95 \ubc0f \ud22c\uba85\ud55c \uaddc\uc81c \uac10\ub3c5\uc774 \ubd80\uc871\ud558\uc5ec \uc804\ud1b5\uc801\uc778 \uc99d\uad8c\ubcf4\ub2e4 \ub354 \uc704\ud5d8\ud558\ub2e4\uace0 \uc5ec\uaca8\uc9c4\ub2e4<\/strong>. \ub2e4\ub978 \uc785\ubc95\uc790\ub4e4\uacfc \uc639\ud638 \ub2e8\uccb4\ub4e4\ub3c4 \uc720\uc0ac\ud55c \uc6b0\ub824\ub97c \ud45c\uba85\ud558\uace0 \uc788\ub2e4. \ud22c\uae30\uc801 \uc790\uc0b0\uc5d0 \ub300\ud55c \ud1f4\uc9c1 \uacc4\uc88c \uac1c\ubc29\uc740 \uc218\uc2ed \ub144 \ub3d9\uc548 \uc313\uc5ec\uc628 \uc548\uc804 \uc7a5\uce58\ub97c \uce68\uc2dd\ud560 \uc704\ud5d8\uc774 \uc788\ub2e4<\/strong>.<\/p>\n

\ub3d9\uc2dc\uc5d0 \uc77c\ubd80 \uc9c0\uc9c0\uc790\ub4e4\uc740 \uc554\ud638\ud654\ud3d0\uac00 \uc2e4\uc81c\ub85c \uc800\ucd95 \uc635\uc158\uc744 \ud604\ub300\ud654\ud558\uace0 \ub2e4\uc591\ud654 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud560 \uc218 \uc788\ub2e4\uace0 \uc8fc\uc7a5\ud558\uace0 \uc788\ub2e4<\/strong>.<\/p>\n","protected":false},"excerpt":{"rendered":"

\uc5d8\ub9ac\uc790\ubca0\uc2a4 \uc6cc\ub7f0 \uc0c1\uc6d0\uc758\uc6d0\uc758 \ubc18\ub300 \uc785\uc7a5 \uc5d8\ub9ac\uc790\ubca0\uc2a4 \uc6cc\ub7f0 \uc0c1\uc6d0\uc758\uc6d0\uc740 \ucd5c\uadfc \ubbf8\uad6d\uc758 \uc815\ucc45 \ubcc0\ud654\uc5d0 \ub300\ud574 \uacf5\uac1c\uc801\uc73c\ub85c \ubc18\ub300 \uc785\uc7a5\uc744 \ud45c\uba85\ud558\uace0 \uc788\ub2e4. \uc774 \ubcc0\ud654\ub294 \uc554\ud638\ud654\ud3d0\uac00 401(k) \ud1f4\uc9c1 \uc5f0\uae08 \uacc4\ud68d \ubc0f \uc720\uc0ac\ud55c \ud655\uc815 \uae30\uc5ec \uacc4\uc88c\uc5d0\uc11c \uc81c\uacf5\ub420 \uc218 \uc788\ub294 \uae38\uc744 \uc5f4\uc5b4\uc900\ub2e4. \uadf8\ub140\ub294 \uc554\ud638\ud654\ud3d0\uac00 \ubbf8\uad6d\uc758 \ud1f4\uc9c1 \uacc4\uc88c\uc5d0 \ud3ec\ud568\ub418\ub294 \uac83\uc774 \uadfc\ub85c\uc790\uc640 \uadf8 \uac00\uc871\ub4e4\uc5d0\uac8c \ud070 \uc190\uc2e4\uc744 \ucd08\ub798\ud560 \uc218 \uc788\ub294 \uc704\ud5d8\ud55c \uae30\ubc18\uc774 \ub420 \uac83\uc774\ub77c\uace0 \uc8fc\uc7a5\ud588\ub2e4. &#82…<\/p>\n","protected":false},"author":3,"featured_media":16915,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[42,48],"tags":[4239,9728,4318,4217,4361,4204],"class_list":["post-16916","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bitcoin","category-legal","tag-bitcoin","tag-department-of-labor","tag-elizabeth-warren","tag-legal","tag-sec","tag-usa"],"yoast_head":"\n\uc5d8\ub9ac\uc790\ubca0\uc2a4 \uc6cc\ub7f0, \uc554\ud638\ud654\ud3d0\ub85c \uc778\ud574 \ubbf8\uad6d\uc778\ub4e4\uc774 '\ud070 \uc190\uc2e4'\uc744 \uc785\uc744 \uc218 \uc788\ub2e4\uace0 \uacbd\uace0 - U.Today - CryptoZen<\/title>\n<meta name=\"description\" content=\"\uc5d8\ub9ac\uc790\ubca0\uc2a4 \uc6cc\ub7f0 \uc0c1\uc6d0\uc758\uc6d0\uc740 401(k) \uacc4\ud68d\uc5d0 \uc554\ud638\ud654\ud3d0\ub97c \ud5c8\uc6a9\ud558\ub294 \uac83\uc774 \uadf8\ub4e4\uc758 \ubcc0\ub3d9\uc131\uacfc \uc704\ud5d8\uc73c\ub85c \uc778\ud574 \ubbf8\uad6d\uc778\ub4e4\uc5d0\uac8c \uc0c1\ub2f9\ud55c \uc7ac\uc815\uc801 \uc190\uc2e4\uc744 \ucd08\ub798\ud560 \uc218 \uc788\ub2e4\uace0 \uacbd\uace0\ud55c\ub2e4.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/cryptozen.asia\/kr\/\uc5d8\ub9ac\uc790\ubca0\uc2a4-\uc6cc\ub7f0-\uc554\ud638\ud654\ud3d0\ub85c-\uc778\ud574-\ubbf8\uad6d\uc778\ub4e4\uc774-\ud070-\uc190\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\uc5d8\ub9ac\uc790\ubca0\uc2a4 \uc6cc\ub7f0, \uc554\ud638\ud654\ud3d0\ub85c \uc778\ud574 \ubbf8\uad6d\uc778\ub4e4\uc774 '\ud070 \uc190\uc2e4'\uc744 \uc785\uc744 \uc218 \uc788\ub2e4\uace0 \uacbd\uace0 - U.Today - CryptoZen\" \/>\n<meta property=\"og:description\" content=\"\uc5d8\ub9ac\uc790\ubca0\uc2a4 \uc6cc\ub7f0 \uc0c1\uc6d0\uc758\uc6d0\uc740 401(k) \uacc4\ud68d\uc5d0 \uc554\ud638\ud654\ud3d0\ub97c \ud5c8\uc6a9\ud558\ub294 \uac83\uc774 \uadf8\ub4e4\uc758 \ubcc0\ub3d9\uc131\uacfc \uc704\ud5d8\uc73c\ub85c \uc778\ud574 \ubbf8\uad6d\uc778\ub4e4\uc5d0\uac8c \uc0c1\ub2f9\ud55c \uc7ac\uc815\uc801 \uc190\uc2e4\uc744 \ucd08\ub798\ud560 \uc218 \uc788\ub2e4\uace0 \uacbd\uace0\ud55c\ub2e4.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/cryptozen.asia\/kr\/\uc5d8\ub9ac\uc790\ubca0\uc2a4-\uc6cc\ub7f0-\uc554\ud638\ud654\ud3d0\ub85c-\uc778\ud574-\ubbf8\uad6d\uc778\ub4e4\uc774-\ud070-\uc190\/\" \/>\n<meta property=\"og:site_name\" content=\"CryptoZen\" \/>\n<meta property=\"article:published_time\" content=\"2026-01-18T13:06:31+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cryptozen.asia\/kr\/wp-content\/uploads\/sites\/24\/2026\/01\/story_153759_preview.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta 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U.Today\",\"datePublished\":\"2026-01-18T13:06:31+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/cryptozen.asia\/kr\/%ec%97%98%eb%a6%ac%ec%9e%90%eb%b2%a0%ec%8a%a4-%ec%9b%8c%eb%9f%b0-%ec%95%94%ed%98%b8%ed%99%94%ed%8f%90%eb%a1%9c-%ec%9d%b8%ed%95%b4-%eb%af%b8%ea%b5%ad%ec%9d%b8%eb%93%a4%ec%9d%b4-%ed%81%b0-%ec%86%90\/\"},\"wordCount\":7,\"publisher\":{\"@id\":\"https:\/\/cryptozen.asia\/kr\/#organization\"},\"image\":{\"@id\":\"https:\/\/cryptozen.asia\/kr\/%ec%97%98%eb%a6%ac%ec%9e%90%eb%b2%a0%ec%8a%a4-%ec%9b%8c%eb%9f%b0-%ec%95%94%ed%98%b8%ed%99%94%ed%8f%90%eb%a1%9c-%ec%9d%b8%ed%95%b4-%eb%af%b8%ea%b5%ad%ec%9d%b8%eb%93%a4%ec%9d%b4-%ed%81%b0-%ec%86%90\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cryptozen.asia\/kr\/wp-content\/uploads\/sites\/24\/2026\/01\/story_153759_preview.jpeg\",\"keywords\":[\"Bitcoin\",\"Department of Labor\",\"Elizabeth 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