Better English Conversations: Increase Your Economic Vocabulary

152,211 views ใƒป 2025-02-05

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์•„๋ž˜ ์˜๋ฌธ์ž๋ง‰์„ ๋”๋ธ”ํด๋ฆญํ•˜์‹œ๋ฉด ์˜์ƒ์ด ์žฌ์ƒ๋ฉ๋‹ˆ๋‹ค. ๋ฒˆ์—ญ๋œ ์ž๋ง‰์€ ๊ธฐ๊ณ„ ๋ฒˆ์—ญ๋ฉ๋‹ˆ๋‹ค.

00:00
From shopping for groceries to saving for the future,
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์‹๋ฃŒํ’ˆ ์‡ผํ•‘๋ถ€ํ„ฐ ๋ฏธ๋ž˜๋ฅผ ์œ„ํ•œ ์ €์ถ•,
00:04
from managing your monthly expenses to discussing your next pay raise.
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์›”๋ณ„ ์ง€์ถœ ๊ด€๋ฆฌ๋ถ€ํ„ฐ ๋‹ค์Œ ๊ธ‰์—ฌ ์ธ์ƒ์— ๋Œ€ํ•œ ๋…ผ์˜๊นŒ์ง€.
00:09
You and I both know the economy shapes both our daily decisions and
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๋‹น์‹ ๊ณผ ์ €๋Š” ๊ฒฝ์ œ๊ฐ€ ์šฐ๋ฆฌ์˜ ์ผ์ƒ์ ์ธ ๊ฒฐ์ •๊ณผ ์ง์žฅ์—์„œ์˜ ๋Œ€ํ™”์— ์˜ํ–ฅ์„ ๋ฏธ์นœ๋‹ค๋Š” ๊ฑธ ์•Œ๊ณ  ์žˆ์Šต๋‹ˆ๋‹ค
00:13
professional conversations. Well,
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. ๊ธ€์Ž„์š”,
00:17
economic terms in English might sound technical and complicated.
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์˜์–ด๋กœ ๊ฒฝ์ œ ์šฉ์–ด๋Š” ๊ธฐ์ˆ ์ ์ด๊ณ  ๋ณต์žกํ•˜๊ฒŒ ๋“ค๋ฆด ์ˆ˜๋„ ์žˆ๊ฒ ์ฃ .
00:21
I promise you, once we break them down,
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์•ฝ์†๋“œ๋ฆฌ๊ฑด๋Œ€, ์šฐ๋ฆฌ๊ฐ€ ์šฉ์–ด๋“ค์„ ์ž์„ธํžˆ ๋ถ„์„ํ•ด ๋ณด๋ฉด
00:24
they become much clearer and more practical to use in your everyday
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ํ›จ์”ฌ ๋” ๋ช…ํ™•ํ•˜๊ณ  ์ผ์ƒ ๋Œ€ํ™”์—์„œ ์‚ฌ์šฉํ•˜๊ธฐ์— ๋” ์‹ค์šฉ์ ์ด ๋  ๊ฒƒ์ž…๋‹ˆ๋‹ค
00:29
conversations. For example,
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. ์˜ˆ๋ฅผ ๋“ค์–ด,
00:31
have you heard words like inflation tariffs or GDP in the
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๋‰ด์Šค๋‚˜ ์ง์žฅ์—์„œ ์ธํ”Œ๋ ˆ์ด์…˜ ๊ด€์„ธ๋‚˜ GDP์™€ ๊ฐ™์€ ๋‹จ์–ด๋ฅผ ๋“ฃ๊ณ 
00:36
news or at work and wished that you could use them more confidently in English?
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์˜์–ด๋กœ ๋” ์ž์‹ ์žˆ๊ฒŒ ์‚ฌ์šฉํ•  ์ˆ˜ ์žˆ์—ˆ์œผ๋ฉด ์ข‹๊ฒ ๋‹ค๊ณ  ์ƒ๊ฐํ•œ ์ ์ด ์žˆ๋‚˜์š”?
00:42
There's no doubt that these terms are everywhere,
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์ด๋Ÿฐ ์šฉ์–ด๊ฐ€ ์–ด๋””์—๋‚˜ ์žˆ๋‹ค๋Š” ๊ฑด ์˜์‹ฌํ•  ์—ฌ์ง€๊ฐ€ ์—†๊ณ ,
00:45
and today I want to help you master them so that you are able to express your
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์˜ค๋Š˜์€ ์—ฌ๋Ÿฌ๋ถ„์ด ๊ฒฝ์ œ ์ฃผ์ œ์— ๋Œ€ํ•œ ์ƒ๊ฐ์„ ์‰ฝ๊ฒŒ ํ‘œํ˜„ํ•  ์ˆ˜ ์žˆ๋„๋ก ์ด๋Ÿฐ ์šฉ์–ด๋ฅผ ์ตํžˆ๋Š” ๋ฐ ๋„์›€์„ ๋“œ๋ฆฌ๊ณ ์ž ํ•ฉ๋‹ˆ๋‹ค
00:49
thoughts easily on economic topics. By the end,
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. ์ด ์ˆ˜์—…์„ ๋งˆ์น˜๋ฉด
00:54
you'll have learned a variety of vocabulary that will help you confidently
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00:58
discuss economic topics, whether you are reading the news,
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๋‰ด์Šค๋ฅผ ์ฝ๊ฑฐ๋‚˜,
01:03
talking with colleagues, or making important financial decisions.
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๋™๋ฃŒ์™€ ๋Œ€ํ™”ํ•˜๊ฑฐ๋‚˜, ์ค‘์š”ํ•œ ์žฌ์ •์  ๊ฒฐ์ •์„ ๋‚ด๋ฆด ๋•Œ ๋“ฑ ๊ฒฝ์ œ ์ฃผ์ œ๋ฅผ ์ž์‹  ์žˆ๊ฒŒ ๋…ผ์˜ํ•˜๋Š” ๋ฐ ๋„์›€์ด ๋˜๋Š” ๋‹ค์–‘ํ•œ ์–ดํœ˜๋ฅผ ๋ฐฐ์šฐ๊ฒŒ ๋  ๊ฒƒ์ž…๋‹ˆ๋‹ค.
01:07
To make this lesson really clear and well organized,
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์ด ์ˆ˜์—…์„ ์ •๋ง ๋ช…ํ™•ํ•˜๊ณ  ์ฒด๊ณ„์ ์œผ๋กœ ๋งŒ๋“ค๊ธฐ ์œ„ํ•ด
01:11
we're going to explore six essential categories, economic measures,
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๊ฒฝ์ œ ์กฐ์น˜,
01:17
economic changes,
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๊ฒฝ์ œ ๋ณ€ํ™”,
01:18
jobs and income rules and regulators,
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์ผ์ž๋ฆฌ์™€ ์†Œ๋“ ๊ทœ์น™๊ณผ ๊ทœ์ œ ๊ธฐ๊ด€,
01:22
government and money, and finally, market monitoring.
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์ •๋ถ€์™€ ๋ˆ, ๋งˆ์ง€๋ง‰์œผ๋กœ ์‹œ์žฅ ๋ชจ๋‹ˆํ„ฐ๋ง์ด๋ผ๋Š” ์—ฌ์„ฏ ๊ฐ€์ง€ ํ•„์ˆ˜ ๋ฒ”์ฃผ๋ฅผ ์‚ดํŽด๋ณด๊ฒ ์Šต๋‹ˆ๋‹ค.
01:26
So grab your notebook and let's dive in.
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๊ทธ๋Ÿฌ๋‹ˆ ๋…ธํŠธ๋ถ์„ ๋“ค๊ณ  ์‹œ์ž‘ํ•ด ๋ณผ๊นŒ์š”. ๊ฒฝ์ œ๊ฐ€ ์–ด๋–ป๊ฒŒ ๋Œ์•„๊ฐ€๋Š”์ง€
01:29
I want to start with the tools experts use to understand
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์ดํ•ดํ•˜๊ธฐ ์œ„ํ•ด ์ „๋ฌธ๊ฐ€๋“ค์ด ์‚ฌ์šฉํ•˜๋Š” ๋„๊ตฌ๋ถ€ํ„ฐ ์‹œ์ž‘ํ•ด ๋ณผ๊นŒ์š”
01:34
how an economy is doing.
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01:36
Think of these like taking measurements to check on something's health.
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์ด๊ฒƒ์„ ๋ฌด์–ธ๊ฐ€์˜ ๊ฑด๊ฐ• ์ƒํƒœ๋ฅผ ์ฒดํฌํ•˜๊ธฐ ์œ„ํ•ด ์ธก์ •ํ•˜๋Š” ๊ฒƒ๊ณผ ๊ฐ™๋‹ค๊ณ  ์ƒ๊ฐํ•ด ๋ณด์„ธ์š”.
01:41
The first term you'll often hear is GDP or gross domestic product.
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๊ฐ€์žฅ ๋จผ์ € ์ž์ฃผ ๋“ฃ๊ฒŒ ๋  ์šฉ์–ด๋Š” GDP, ์ฆ‰ ๊ตญ๋‚ด์ด์ƒ์‚ฐ์ž…๋‹ˆ๋‹ค.
01:47
GDP is the total value of everything a country produces
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GDP๋Š” ํ•œ ๊ตญ๊ฐ€๊ฐ€
01:52
and sells in one year. This includes all the products in stores,
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1๋…„ ๋™์•ˆ ์ƒ์‚ฐํ•˜๊ณ  ํŒ๋งคํ•˜๋Š” ๋ชจ๋“  ๊ฒƒ์˜ ์ด ๊ฐ€์น˜๋ฅผ ๋งํ•ฉ๋‹ˆ๋‹ค. ์—ฌ๊ธฐ์—๋Š” ํœด๋Œ€์ „ํ™”์—์„œ ๊ฐ€๊ตฌ๊นŒ์ง€ ๋งค์žฅ์˜ ๋ชจ๋“  ์ œํ’ˆ
01:57
from phones to furniture and all the services from
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๊ณผ
02:02
healthcare to education.
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์˜๋ฃŒ์—์„œ โ€‹โ€‹๊ต์œก๊นŒ์ง€ ๋ชจ๋“  ์„œ๋น„์Šค๊ฐ€ ํฌํ•จ๋ฉ๋‹ˆ๋‹ค. ์˜ฌํ•ด
02:05
When you hear sentences like the country's GDP grew by
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๊ตญ๊ฐ€ GDP๊ฐ€ 2% ์„ฑ์žฅํ–ˆ๋‹ค๋Š” ๋ง์€
02:10
2% this year,
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02:11
it means the whole economy is producing more than last year.
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์ „์ฒด ๊ฒฝ์ œ๊ฐ€ ์ž‘๋…„๋ณด๋‹ค ๋” ๋งŽ์ด ์ƒ์‚ฐ๋˜์—ˆ๋‹ค๋Š” ์˜๋ฏธ์ž…๋‹ˆ๋‹ค.
02:17
But GDP isn't just one thing.
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ํ•˜์ง€๋งŒ GDP๋Š” ๋‹จ ํ•˜๋‚˜์˜ ๊ฒƒ๋งŒ์€ ์•„๋‹™๋‹ˆ๋‹ค.
02:20
It's made up of several important parts. I want you to think about it this way.
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์ด๋Š” ์—ฌ๋Ÿฌ ๊ฐ€์ง€ ์ค‘์š”ํ•œ ๋ถ€๋ถ„์œผ๋กœ ์ด๋ฃจ์–ด์ ธ ์žˆ์Šต๋‹ˆ๋‹ค. ์ด๋Ÿฐ ์‹์œผ๋กœ ์ƒ๊ฐํ•ด ๋ณด์‹œ๊ธฐ ๋ฐ”๋ž๋‹ˆ๋‹ค.
02:26
GDP includes everything you and I buy at stores
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GDP์—๋Š” ๋‹น์‹ ๊ณผ ๋‚ด๊ฐ€ ์ƒ์ ์—์„œ ์‚ฌ๋Š” ๋ชจ๋“  ๊ฒƒ,
02:31
that's consumer spending.
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์ฆ‰ ์†Œ๋น„์ž ์ง€์ถœ์ด ํฌํ•จ๋ฉ๋‹ˆ๋‹ค.
02:33
It also includes what businesses spend when they buy new equipment or
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์—ฌ๊ธฐ์—๋Š” ๊ธฐ์—…์ด ์ƒˆ๋กœ์šด ์žฅ๋น„๋ฅผ ๊ตฌ์ž…ํ•˜๊ฑฐ๋‚˜
02:38
build new facilities. That's business investment.
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์ƒˆ๋กœ์šด ์‹œ์„ค์„ ์ง“๋Š” ๋ฐ ๋“œ๋Š” ๋น„์šฉ๋„ ํฌํ•จ๋ฉ๋‹ˆ๋‹ค. ๊ทธ๊ฒŒ ์‚ฌ์—… ํˆฌ์ž์˜ˆ์š”.
02:42
And then there's what the government spends on things like schools and roads.
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๊ทธ๋ฆฌ๊ณ  ์ •๋ถ€๊ฐ€ ํ•™๊ต๋‚˜ ๋„๋กœ ๋“ฑ์— ์ง€์ถœํ•˜๋Š” ๋น„์šฉ๋„ ์žˆ์Šต๋‹ˆ๋‹ค.
02:46
Finally,
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๋งˆ์ง€๋ง‰์œผ๋กœ,
02:47
it also includes the difference between what a country sells to other countries
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์—ฌ๊ธฐ์—๋Š” ํ•œ ๊ตญ๊ฐ€๊ฐ€ ๋‹ค๋ฅธ ๊ตญ๊ฐ€์— ํŒ๋งคํ•˜๋Š” ๊ฒƒ๊ณผ ๋‹ค๋ฅธ
02:53
and what it buys from them. We call this net exports.
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๊ตญ๊ฐ€๋กœ๋ถ€ํ„ฐ ๊ตฌ๋งคํ•˜๋Š” ๊ฒƒ์˜ ์ฐจ์ด๋„ ํฌํ•จ๋ฉ๋‹ˆ๋‹ค. ์ด๊ฒƒ์„ ์ˆœ์ˆ˜์ถœ์ด๋ผ๊ณ  ๋ถ€๋ฆ…๋‹ˆ๋‹ค.
02:58
All these pieces together show us how much economic activity
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์ด ๋ชจ๋“  ์ž๋ฃŒ๋ฅผ ์ข…ํ•ฉํ•ด ๋ณด๋ฉด ํ•œ ๊ตญ๊ฐ€์—์„œ ์–ผ๋งˆ๋‚˜ ๋งŽ์€ ๊ฒฝ์ œ ํ™œ๋™์ด
03:03
is happening in a country.
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์ผ์–ด๋‚˜๊ณ  ์žˆ๋Š”์ง€ ์•Œ ์ˆ˜ ์žˆ์Šต๋‹ˆ๋‹ค.
03:05
And now let's move on to talk about something that affects all of us daily
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์ด์ œ ์šฐ๋ฆฌ ๋ชจ๋‘์˜ ์ผ์ƒ์ ์ธ ์ธํ”Œ๋ ˆ์ด์…˜์— ์˜ํ–ฅ์„ ๋ฏธ์น˜๋Š” ์ฃผ์ œ์— ๋Œ€ํ•ด ์ด์•ผ๊ธฐํ•ด ๋ณด๊ฒ ์Šต๋‹ˆ๋‹ค
03:10
inflation. You've probably noticed this in your own life.
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. ์•„๋งˆ ์—ฌ๋Ÿฌ๋ถ„๋„ ์‚ถ ์†์—์„œ ์ด๋Ÿฐ ํ˜„์ƒ์„ ๋Š๊ปด๋ณด์…จ์„ ๊ฒ๋‹ˆ๋‹ค.
03:14
Maybe a coffee that cost $3 last year now
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์–ด์ฉŒ๋ฉด ์ž‘๋…„์— 3๋‹ฌ๋Ÿฌ์˜€๋˜ ์ปคํ”ผ๊ฐ€ ์ง€๊ธˆ์€
03:19
costs $3 and 50 cents,
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3๋‹ฌ๋Ÿฌ 50์„ผํŠธ๊ฐ€ ๋˜์—ˆ์„ ์ˆ˜๋„ ์žˆ๊ณ ,
03:21
or your grocery bill is higher than it used to be.
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์‹๋ฃŒํ’ˆ ๋น„์šฉ์ด ์˜ˆ์ „๋ณด๋‹ค ๋” ๋งŽ์ด ๋“ค์—ˆ์„ ์ˆ˜๋„ ์žˆ์Šต๋‹ˆ๋‹ค.
03:25
That's inflation when prices keep going up over time,
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์‹œ๊ฐ„์ด ์ง€๋‚จ์— ๋”ฐ๋ผ ๊ฐ€๊ฒฉ์ด ๊ณ„์†ํ•ด์„œ ์˜ค๋ฅด๋Š” ๊ฒƒ์„ ์ธํ”Œ๋ ˆ์ด์…˜์ด๋ผ๊ณ  ํ•˜๋ฉฐ,
03:30
and this matters because it affects so many part of our lives.
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์ด๋Š” ์šฐ๋ฆฌ ์‚ถ์˜ ๋งŽ์€ ๋ถ€๋ถ„์— ์˜ํ–ฅ์„ ๋ฏธ์น˜๊ธฐ ๋•Œ๋ฌธ์— ์ค‘์š”ํ•ฉ๋‹ˆ๋‹ค.
03:35
When there's inflation,
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์ธํ”Œ๋ ˆ์ด์…˜์ด ๋ฐœ์ƒํ•˜๋ฉด ์‹๋ฃŒํ’ˆ๋ถ€ํ„ฐ ์ฃผ์œ ๋น„๊นŒ์ง€
03:37
everything tends to cost more from your groceries to your gas,
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๋ชจ๋“  ๊ฒƒ์˜ ๊ฐ€๊ฒฉ์ด ์˜ค๋ฅด๊ณ  ,
03:42
your savings might not buy as much in the future as
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์ €์ถ•ํ•œ ๋ˆ์œผ๋กœ ์˜ค๋Š˜์ฒ˜๋Ÿผ ๋งŽ์€ ๊ฒƒ์„ ์‚ด ์ˆ˜ ์—†๊ฒŒ ๋  ์ˆ˜๋„ ์žˆ์Šต๋‹ˆ๋‹ค
03:46
they do today.
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03:48
This is why people often hope their wages will increase to help cover these
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์ด๊ฒƒ์ด ์‚ฌ๋žŒ๋“ค์ด ์ข…์ข… ์ƒ์Šนํ•˜๋Š” ๋น„์šฉ์„ ์ถฉ๋‹นํ•˜๊ธฐ ์œ„ํ•ด ์ž„๊ธˆ์ด ์ธ์ƒ๋˜๊ธฐ๋ฅผ ๋ฐ”๋ผ๋Š” ์ด์œ ์ž…๋‹ˆ๋‹ค
03:52
rising costs.
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03:54
Banks also pay attention to inflation when they set their interest rates
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์€ํ–‰์€
03:59
for loans and savings accounts.
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๋Œ€์ถœ ๋ฐ ์ €์ถ• ๊ณ„์ขŒ์— ๋Œ€ํ•œ ์ด์ž์œจ์„ ์„ค์ •ํ•  ๋•Œ ์ธํ”Œ๋ ˆ์ด์…˜์—๋„ ์ฃผ์˜๋ฅผ ๊ธฐ์šธ์ž…๋‹ˆ๋‹ค.
04:01
We're gonna talk more about interest rates in a moment, but first,
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์šฐ๋ฆฌ๋Š” ๊ณง ์ด์ž์œจ์— ๋Œ€ํ•ด ๋” ์ž์„ธํžˆ ์ด์•ผ๊ธฐํ•  ๊ฒƒ์ด์ง€๋งŒ , ๋จผ์ €
04:05
let's look at one more important measure. The unemployment rate.
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ํ•œ ๊ฐ€์ง€ ๋” ์ค‘์š”ํ•œ ์ง€ํ‘œ๋ฅผ ์‚ดํŽด๋ณด๊ฒ ์Šต๋‹ˆ๋‹ค . ์‹ค์—…๋ฅ 
04:10
This tells us what percentage of people who want to work
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์ด๋Š” ์ผํ•˜๊ณ  ์‹ถ์–ดํ•˜๋Š” ์‚ฌ๋žŒ๋“ค ์ค‘ ์–ผ๋งˆ๋‚˜ ๋งŽ์€ ์‚ฌ๋žŒ๋“ค์ด
04:15
can't find jobs. It's a simple but powerful number.
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์ผ์ž๋ฆฌ๋ฅผ ์ฐพ์ง€ ๋ชปํ•˜๋Š”์ง€๋ฅผ ์•Œ๋ ค์ค๋‹ˆ๋‹ค. ๊ฐ„๋‹จํ•˜์ง€๋งŒ ๊ฐ•๋ ฅํ•œ ์ˆซ์ž์ž…๋‹ˆ๋‹ค.
04:19
When you hear sentences like the unemployment rate dropped to
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์‹ค์—…๋ฅ ์ด 4%๋กœ ๋–จ์–ด์กŒ๋‹ค๋Š” ๋ง์„ ๋“ค์œผ๋ฉด
04:24
4%, it means more people are finding jobs.
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, ๋” ๋งŽ์€ ์‚ฌ๋žŒ๋“ค์ด ์ผ์ž๋ฆฌ๋ฅผ ์ฐพ๊ณ  ์žˆ๋‹ค๋Š” ์˜๋ฏธ์ž…๋‹ˆ๋‹ค.
04:28
This number helps everyone understand if it's getting easier or
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์ด ์ˆซ์ž๋Š” ๊ฒฝ์ œ ์ƒํ™ฉ
04:33
harder to find work in the economy. And finally,
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์—์„œ ์ผ์ž๋ฆฌ๋ฅผ ๊ตฌํ•˜๋Š” ๊ฒƒ์ด ์‰ฌ์›Œ์ง€๊ณ  ์žˆ๋Š”์ง€, ์–ด๋ ค์›Œ์ง€๊ณ  ์žˆ๋Š”์ง€๋ฅผ ๋ชจ๋‘๊ฐ€ ์ดํ•ดํ•˜๋Š” ๋ฐ ๋„์›€์ด ๋ฉ๋‹ˆ๋‹ค . ๋งˆ์ง€๋ง‰์œผ๋กœ
04:37
let's understand supply and demand.
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์ˆ˜์š”์™€ ๊ณต๊ธ‰์„ ์ดํ•ดํ•ด ๋ณด๊ฒ ์Šต๋‹ˆ๋‹ค.
04:40
A relationship that explains why prices change.
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๊ฐ€๊ฒฉ์ด ๋ณ€ํ™”ํ•˜๋Š” ์ด์œ ๋ฅผ ์„ค๋ช…ํ•˜๋Š” ๊ด€๊ณ„.
04:44
I like to explain this with a simple example.
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๊ฐ„๋‹จํ•œ ์˜ˆ๋ฅผ ๋“ค์–ด ์„ค๋ช…ํ•ด๋ณด๊ฒ ์Šต๋‹ˆ๋‹ค. ๋น„์˜ค๋Š” ๋‚ 
04:47
Think about umbrellas on a rainy day when the rain starts,
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์šฐ์‚ฐ์„ ์ƒ๊ฐํ•ด๋ณด์„ธ์š”. ๋น„๊ฐ€ ๋‚ด๋ฆฌ๊ธฐ ์‹œ์ž‘ํ•˜๋ฉด
04:52
suddenly everyone wants to buy an umbrella.
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๊ฐ‘์ž๊ธฐ ๋ชจ๋‘๊ฐ€ ์šฐ์‚ฐ์„ ์‚ฌ๊ณ  ์‹ถ์–ดํ•  ๊ฒ๋‹ˆ๋‹ค .
04:54
There's high demand and the stores may have only a
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์ˆ˜์š”๊ฐ€ ๋†’๊ธฐ ๋•Œ๋ฌธ์— ๋งค์žฅ์— ๊ณต๊ธ‰ํ•  ์ˆ˜
04:59
few left that supply. So what happens? Well, the prices go up,
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์žˆ๋Š” ๋ฌผ๋Ÿ‰์ด ๋ช‡ ๊ฐœ๋ฐ–์— ๋‚จ์ง€ ์•Š์•˜์„ ์ˆ˜๋„ ์žˆ์Šต๋‹ˆ๋‹ค. ๊ทธ๋Ÿฌ๋ฉด ๋ฌด์Šจ ์ผ์ด ์ผ์–ด๋‚ ๊นŒ์š”? ๊ธ€์Ž„์š”, ๊ฐ€๊ฒฉ์€ ์˜ค๋ฅด์ง€
05:04
but on sunny days, stores might have a lot of umbrellas.
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๋งŒ, ๋‚ ์”จ๊ฐ€ ๋ง‘์€ ๋‚ ์—๋Š” ์ƒ์ ์— ์šฐ์‚ฐ์ด ๋งŽ์ด ์žˆ์„ ์ˆ˜ ์žˆ์Šต๋‹ˆ๋‹ค.
05:09
They have a high supply and very few people want to buy them,
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๊ณต๊ธ‰์ด ๋งŽ์€๋ฐ ์‚ฌ๊ณ ์ž ํ•˜๋Š” ์‚ฌ๋žŒ์ด ๊ฑฐ์˜ ์—†์œผ๋ฏ€๋กœ
05:13
so there's low demand, and as a result, prices fall.
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์ˆ˜์š”๊ฐ€ ์ ๊ณ , ๊ฒฐ๊ณผ์ ์œผ๋กœ ๊ฐ€๊ฒฉ์ด ๋–จ์–ด์ง‘๋‹ˆ๋‹ค.
05:17
This same idea explains price changes for
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์ด์™€ ๊ฐ™์€ ์•„์ด๋””์–ด๋Š”
05:22
everything from housing to concert tickets.
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์ฃผํƒ๋ถ€ํ„ฐ ์ฝ˜์„œํŠธ ํ‹ฐ์ผ“๊นŒ์ง€ ๋ชจ๋“  ๊ฒƒ์˜ ๊ฐ€๊ฒฉ ๋ณ€ํ™”๋ฅผ ์„ค๋ช…ํ•ฉ๋‹ˆ๋‹ค.
05:26
Now that we have these basic measurements,
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์ด์ œ ์ด๋Ÿฌํ•œ ๊ธฐ๋ณธ์ ์ธ ์ธก์ • ๊ธฐ์ค€์ด ์žˆ์œผ๋‹ˆ ๊ฒฝ์ œ์˜ ๋ณ€ํ™”๋ฅผ
05:29
let's look at how we can describe changes in the economy.
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์–ด๋–ป๊ฒŒ ์„ค๋ช…ํ•  ์ˆ˜ ์žˆ๋Š”์ง€ ์‚ดํŽด๋ณด๊ฒ ์Šต๋‹ˆ๋‹ค .
05:33
These terms will help you explain economic movements and trends that
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์ด๋Ÿฌํ•œ ์šฉ์–ด๋Š”
05:38
you might notice in your daily life or read about in the news. For example,
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์ผ์ƒ์ƒํ™œ์—์„œ ๋ˆˆ์น˜์ฑ„๊ฑฐ๋‚˜ ๋‰ด์Šค์—์„œ ์ฝ์„ ์ˆ˜ ์žˆ๋Š” ๊ฒฝ์ œ์  ์›€์ง์ž„๊ณผ ์ถ”์„ธ๋ฅผ ์„ค๋ช…ํ•˜๋Š” ๋ฐ ๋„์›€์ด ๋ฉ๋‹ˆ๋‹ค. ์˜ˆ๋ฅผ ๋“ค์–ด,
05:42
sometimes prices can change very,
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๊ฐ€๊ฒฉ์ด
05:45
very quickly when they shoot up fast. We use the word spike.
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๊ธ‰๋“ฑํ•  ๋•Œ๋Š” ๋•Œ๋กœ ๋งค์šฐ, ๋งค์šฐ ๋น ๋ฅด๊ฒŒ ๋ณ€ํ•  ์ˆ˜ ์žˆ์Šต๋‹ˆ๋‹ค . ์šฐ๋ฆฌ๋Š” ์ŠคํŒŒ์ดํฌ๋ผ๋Š” ๋‹จ์–ด๋ฅผ ์‚ฌ์šฉํ•ฉ๋‹ˆ๋‹ค.
05:50
For example, you might hear gas prices spiked this week,
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์˜ˆ๋ฅผ ๋“ค์–ด, ์ด๋ฒˆ ์ฃผ์— ๊ฐ€์Šค ๊ฐ€๊ฒฉ์ด ๊ธ‰๋“ฑํ–ˆ๋‹ค๋Š” ์†Œ์‹์„ ๋“ค์—ˆ์„ ์ˆ˜๋„ ์žˆ์Šต๋‹ˆ๋‹ค.
05:54
meaning they went up suddenly and.
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์ฆ‰, ๊ฐ€๊ฒฉ์ด ๊ฐ‘์ž๊ธฐ ์˜ฌ๋ž๋‹ค๋Š” ๋œป์ž…๋‹ˆ๋‹ค.
05:56
Significantly.
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์ƒ๋‹นํžˆ ๊ทธ๋ ‡์ฃ .
05:58
Understanding price spikes is particularly important because they can affect
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๊ฐ€๊ฒฉ ๊ธ‰๋“ฑ์€ ์˜ˆ์‚ฐ์— ๋น ๋ฅด๊ฒŒ ์˜ํ–ฅ์„ ๋ฏธ์น  ์ˆ˜ ์žˆ์œผ๋ฏ€๋กœ ๊ฐ€๊ฒฉ ๊ธ‰๋“ฑ์„ ์ดํ•ดํ•˜๋Š” ๊ฒƒ์ด ํŠนํžˆ ์ค‘์š”ํ•ฉ๋‹ˆ๋‹ค
06:02
your budget quickly.
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. ๊ฐ€์Šค ๊ฐ€๊ฒฉ์ด ๊ธ‰๋“ฑํ•ด์„œ
06:04
Imagine your daily commute suddenly costing much more because of
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๋งค์ผ ์ถœํ‡ด๊ทผํ•˜๋Š” ๋ฐ ๋“œ๋Š” ๋น„์šฉ์ด ๊ฐ‘์ž๊ธฐ ์—„์ฒญ๋‚˜๊ฒŒ ๋Š˜์–ด๋‚œ๋‹ค๊ณ  ์ƒ์ƒํ•ด๋ณด์„ธ์š”
06:09
a gas price spike. The opposite can happen too.
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. ๊ทธ ๋ฐ˜๋Œ€์˜ ์ผ๋„ ์ผ์–ด๋‚  ์ˆ˜ ์žˆ์Šต๋‹ˆ๋‹ค.
06:14
When prices fall, we use the word dip. For example,
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๊ฐ€๊ฒฉ์ด ํ•˜๋ฝํ•˜๋ฉด ์šฐ๋ฆฌ๋Š” ' dip'์ด๋ผ๋Š” ๋‹จ์–ด๋ฅผ ์‚ฌ์šฉํ•ฉ๋‹ˆ๋‹ค. ์˜ˆ๋ฅผ ๋“ค์–ด, ํšŒ์‚ฌ์˜ ๋ฐœํ‘œ ํ›„
06:17
if you hear stock prices dipped after the company's announcement,
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์ฃผ๊ฐ€๊ฐ€ ํ•˜๋ฝํ–ˆ๋‹ค๋Š” ์†Œ์‹์„ ๋“ค์œผ๋ฉด
06:22
it means the values decreased.
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๊ฐ€์น˜๊ฐ€ ํ•˜๋ฝํ–ˆ๋‹ค๋Š” ์˜๋ฏธ์ž…๋‹ˆ๋‹ค.
06:24
These dips can be temporary like a brief sale at a store,
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์ด๋Ÿฐ ํ•˜๋ฝ์€ ๋งค์žฅ์˜ ์งง์€ ์„ธ์ผ์ฒ˜๋Ÿผ ์ผ์‹œ์ ์ผ ์ˆ˜๋„ ์žˆ์ง€๋งŒ, ๊ฒฝ์ œ์—
06:29
or they might signal bigger changes in the economy.
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๋” ํฐ ๋ณ€ํ™”๋ฅผ ์•Œ๋ฆฌ๋Š” ์‹ ํ˜ธ์ผ ์ˆ˜๋„ ์žˆ์Šต๋‹ˆ๋‹ค .
06:33
One more term in this category that you've probably heard in the news is
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์ด ๋ฒ”์ฃผ์— ์†ํ•˜๋Š” ๋˜ ๋‹ค๋ฅธ ์šฉ์–ด๋กœ ๋‰ด์Šค์—์„œ ๋“ค์–ด๋ดค์„ ๋งŒํ•œ ๊ฒƒ์ด ๋ฐ”๋กœ '
06:37
recession.
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๊ฒฝ๊ธฐ ์นจ์ฒด'์ž…๋‹ˆ๋‹ค.
06:38
A recession is a period when the economy shrinks and
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๊ฒฝ๊ธฐ ์นจ์ฒด๋ž€ ๊ฒฝ์ œ๊ฐ€ ์œ„์ถ•๋˜๋Š” ์‹œ๊ธฐ๋กœ,
06:43
it affects many aspects of our daily life.
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์šฐ๋ฆฌ ์ผ์ƒ์ƒํ™œ์˜ ์—ฌ๋Ÿฌ ์ธก๋ฉด์— ์˜ํ–ฅ์„ ๋ฏธ์นฉ๋‹ˆ๋‹ค.
06:47
Think about your local shopping center During a recession,
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์ง€์—ญ ์‡ผํ•‘์„ผํ„ฐ๋ฅผ ์ƒ๊ฐํ•ด ๋ณด์„ธ์š”. ๊ฒฝ๊ธฐ ์นจ์ฒด๊ธฐ์—๋Š” ์‚ฌ๋žŒ๋“ค์˜ ์ง€์ถœ์ด ์ค„์–ด์„œ
06:50
you might notice some stores closing or reducing their hours because people are
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์ผ๋ถ€ ๋งค์žฅ์ด ๋ฌธ์„ ๋‹ซ๊ฑฐ๋‚˜ ์˜์—… ์‹œ๊ฐ„์„ ์ค„์ด๋Š” ๊ฒƒ์„ ๋ณผ ์ˆ˜ ์žˆ์Šต๋‹ˆ๋‹ค
06:55
spending less money. Companies might pause hiring or even let workers go,
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. ๊ธฐ์—…๋“ค์ด ์ฑ„์šฉ์„ ์ค‘๋‹จํ•˜๊ฑฐ๋‚˜ ๊ทผ๋กœ์ž๋ฅผ ํ•ด๊ณ ํ•  ์ˆ˜๋„ ์žˆ๊ณ ,
07:01
and housing prices might fall fewer new businesses might open.
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์ฃผํƒ ๊ฐ€๊ฒฉ์ด ํ•˜๋ฝํ•˜์—ฌ ์ƒˆ๋กœ ๋ฌธ์„ ์—ฌ๋Š” ์‚ฌ์—…์ด ์ค„์–ด๋“ค ์ˆ˜๋„ ์žˆ์Šต๋‹ˆ๋‹ค.
07:06
Understanding recessions helps you make sense of these changes in your community
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๊ฒฝ๊ธฐ ์นจ์ฒด๋ฅผ ์ดํ•ดํ•˜๋ฉด ์ง€์—ญ ์‚ฌํšŒ์—์„œ ์ผ์–ด๋‚˜๋Š” ๋ณ€ํ™”๋ฅผ ์ดํ•ด
07:11
and plan accordingly. Now with all of this,
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ํ•˜๊ณ  ๊ทธ์— ๋”ฐ๋ฅธ ๊ณ„ํš์„ ์„ธ์šฐ๋Š” ๋ฐ ๋„์›€์ด ๋ฉ๋‹ˆ๋‹ค. ์ด ๋ชจ๋“  ๊ฒƒ๊ณผ ํ•จ๊ป˜
07:14
the economy also goes through what we call the boom and bust cycle.
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๊ฒฝ์ œ๋Š” ์šฐ๋ฆฌ๊ฐ€ ํ˜ธํ™ฉ๊ณผ ๋ถˆํ™ฉ์ด๋ผ๊ณ  ๋ถ€๋ฅด๋Š” ์ˆœํ™˜์„ ๊ฒช๊ฒŒ ๋ฉ๋‹ˆ๋‹ค.
07:20
I like to compare this to the seasons. During a boom,
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์ €๋Š” ์ด๊ฒƒ์„ ๊ณ„์ ˆ๊ณผ ๋น„๊ตํ•˜๊ณ  ์‹ถ์Šต๋‹ˆ๋‹ค . ๊ฒฝ๊ธฐ๊ฐ€ ํ˜ธํ™ฉ์ผ ๋•Œ๋Š”
07:24
like spring businesses grow and create new jobs.
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์‚ฌ์—…์ด ์„ฑ์žฅํ•˜๊ณ  ์ƒˆ๋กœ์šด ์ผ์ž๋ฆฌ๊ฐ€ ์ฐฝ์ถœ๋ฉ๋‹ˆ๋‹ค.
07:27
People spend new money and there's a lot of economic activity during a
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์‚ฌ๋žŒ๋“ค์€ ์ƒˆ๋กœ์šด ๋ˆ์„ ์“ฐ๊ณ  ๊ฒจ์šธ๊ณผ ๊ฐ™์€ ๋ถˆํ™ฉ๊ธฐ์—๋Š” ๊ฒฝ์ œ ํ™œ๋™์ด ํ™œ๋ฐœํ•˜์ง€๋งŒ
07:32
bust like winter, things slow down,
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, ๊ฒฝ๊ธฐ๊ฐ€ ์นจ์ฒด๋˜๊ณ 
07:36
businesses might struggle, jobs become more difficult to find,
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๊ธฐ์—…์€ ์–ด๋ ค์›€์„ ๊ฒช๊ณ  ์ผ์ž๋ฆฌ๋ฅผ ์ฐพ๊ธฐ๊ฐ€ ๋” ์–ด๋ ค์›Œ์ง€๊ณ 
07:41
and people tend to spend less just like seasons.
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์‚ฌ๋žŒ๋“ค์€ ๊ณ„์ ˆ์ฒ˜๋Ÿผ ์ง€์ถœ์„ ์ค„์ด๋Š” ๊ฒฝํ–ฅ์ด ์žˆ์Šต๋‹ˆ๋‹ค.
07:45
These cycles are a normal part of economic life. Finally,
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์ด๋Ÿฐ ์ˆœํ™˜์€ ๊ฒฝ์ œ์ƒํ™œ์˜ ์ •์ƒ์ ์ธ ๋ถ€๋ถ„์ž…๋‹ˆ๋‹ค. ๋งˆ์ง€๋ง‰์œผ๋กœ
07:50
let's talk about the term offset.
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์˜คํ”„์…‹์ด๋ผ๋Š” ์šฉ์–ด์— ๋Œ€ํ•ด ์•Œ์•„๋ณด๊ฒ ์Šต๋‹ˆ๋‹ค.
07:53
When something offsets another thing,
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์–ด๋–ค ๊ฒƒ์ด ๋‹ค๋ฅธ ๊ฒƒ์„ ์ƒ์‡„ํ•œ๋‹ค๋Š” ๊ฒƒ์€,
07:55
it means that one thing balances out another. For example,
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ํ•œ ๊ฐ€์ง€๊ฐ€ ๋‹ค๋ฅธ ํ•œ ๊ฐ€์ง€๋ฅผ ๊ท ํ˜• ์žˆ๊ฒŒ ํ•œ๋‹ค๋Š” ๊ฒƒ์„ ์˜๋ฏธํ•ฉ๋‹ˆ๋‹ค . ์˜ˆ๋ฅผ ๋“ค์–ด,
08:00
if your rent goes up but you get a raise at work,
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์ž„๋Œ€๋ฃŒ๊ฐ€ ์˜ค๋ฅด์ง€๋งŒ ์ง์žฅ์—์„œ ๊ธ‰์—ฌ๊ฐ€ ์ธ์ƒ๋˜๋ฉด
08:04
the extra income might offset the higher housing cost.
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์ถ”๊ฐ€ ์ˆ˜์ž…์ด ๋†’์•„์ง„ ์ฃผํƒ ๋น„์šฉ์„ ์ƒ์‡„ํ•  ์ˆ˜๋„ ์žˆ์Šต๋‹ˆ๋‹ค.
08:09
This term is especially useful when discussing how to handle
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์ด ์šฉ์–ด๋Š” ํŠนํžˆ
08:14
economic changes in your personal finances and now something else that affects
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๊ฐœ์ธ ์žฌ์ •์—์„œ ๊ฒฝ์ œ์  ๋ณ€ํ™”์— ๋Œ€์ฒ˜ํ•˜๋Š” ๋ฐฉ๋ฒ•์„ ๋…ผ์˜ํ•  ๋•Œ ์œ ์šฉํ•ฉ๋‹ˆ๋‹ค. ๊ทธ๋ฆฌ๊ณ 
08:19
most of us personally, jobs and income,
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๋Œ€๋ถ€๋ถ„ ์‚ฌ๋žŒ๋“ค์—๊ฒŒ ๊ฐœ์ธ์ ์œผ๋กœ ์˜ํ–ฅ์„ ๋ฏธ์น˜๋Š” ์ง์—…๊ณผ ์†Œ๋“์— ๋Œ€ํ•ด์„œ๋„ ๋…ผ์˜ํ•  ๋•Œ ์œ ์šฉํ•ฉ๋‹ˆ๋‹ค.
08:23
these terms that we're going to discuss in this category,
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์ด ์นดํ…Œ๊ณ ๋ฆฌ์—์„œ ๋…ผ์˜ํ•  ์šฉ์–ด๋ฅผ ํ†ตํ•ด
08:27
we'll help you talk about work-related economic topics with more confidence.
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์ง์žฅ๊ณผ ๊ด€๋ จ๋œ ๊ฒฝ์ œ์  ์ฃผ์ œ์— ๋Œ€ํ•ด ๋” ์ž์‹  ์žˆ๊ฒŒ ์ด์•ผ๊ธฐํ•  ์ˆ˜ ์žˆ๋„๋ก ๋„์™€๋“œ๋ฆฌ๊ฒ ์Šต๋‹ˆ๋‹ค.
08:32
First, the labor market.
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์ฒซ์งธ, ๋…ธ๋™ ์‹œ์žฅ์ž…๋‹ˆ๋‹ค.
08:34
The labor market describes the whole world of jobs in an area.
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๋…ธ๋™ ์‹œ์žฅ์€ ํŠน์ • ์ง€์—ญ์˜ ์ผ์ž๋ฆฌ ์ „์ฒด๋ฅผ ๋งํ•ฉ๋‹ˆ๋‹ค.
08:39
Think about it like a marketplace where instead of buying and selling products,
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์ œํ’ˆ์„ ์‚ฌ๊ณ  ํŒŒ๋Š” ๋Œ€์‹ 
08:44
we're talking about jobs and work opportunities.
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์ผ์ž๋ฆฌ ์™€ ์ทจ์—… ๊ธฐํšŒ์— ๋Œ€ํ•ด ์ด์•ผ๊ธฐํ•˜๋Š” ์‹œ์žฅ์— ๋น„์œ ํ•ด ๋ณด์„ธ์š”.
08:47
When you hear the labor market is tight,
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๋…ธ๋™ ์‹œ์žฅ์ด ๋ถ€์กฑํ•˜๋‹ค๋Š” ๋ง์€ ์ž๊ฒฉ์„ ๊ฐ–์ถ˜ ๊ทผ๋กœ์ž๋ณด๋‹ค
08:51
it means there are more job openings than qualified workers to
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์ผ์ž๋ฆฌ๊ฐ€ ๋” ๋งŽ๋‹ค๋Š” ๊ฒƒ์„ ์˜๋ฏธํ•ฉ๋‹ˆ๋‹ค
08:56
fill them. This affects everything from how easy it is to find a job,
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. ์ด๋Š” ์ผ์ž๋ฆฌ๋ฅผ ๊ตฌํ•˜๋Š” ๊ฒƒ์ด ์–ผ๋งˆ๋‚˜ ์‰ฌ์šด์ง€๋ถ€ํ„ฐ
09:01
to what kind of salary you might be offered.
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์–ด๋–ค ๊ธ‰์—ฌ๋ฅผ ์ œ๊ณต๋ฐ›์„ ์ˆ˜ ์žˆ๋Š”์ง€๊นŒ์ง€ ๋ชจ๋“  ๊ฒƒ์— ์˜ํ–ฅ์„ ๋ฏธ์นฉ๋‹ˆ๋‹ค.
09:04
The labor market includes several important pieces. For example,
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๋…ธ๋™ ์‹œ์žฅ์€ ์—ฌ๋Ÿฌ ๊ฐ€์ง€ ์ค‘์š”ํ•œ ๋ถ€๋ถ„์œผ๋กœ ๊ตฌ์„ฑ๋˜์–ด ์žˆ์Šต๋‹ˆ๋‹ค. ์˜ˆ๋ฅผ ๋“ค์–ด,
09:08
how many jobs are available, what skills employers need,
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์–ผ๋งˆ๋‚˜ ๋งŽ์€ ์ผ์ž๋ฆฌ๊ฐ€ ์žˆ๋Š”์ง€, ๊ณ ์šฉ์ฃผ๊ฐ€ ํ•„์š”๋กœ ํ•˜๋Š” ๊ธฐ์ˆ ์€ ๋ฌด์—‡์ธ์ง€,
09:13
what salaries companies are offering,
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ํšŒ์‚ฌ์—์„œ ์ œ๊ณตํ•˜๋Š” ๊ธ‰์—ฌ๋Š” ์–ผ๋งˆ์ธ์ง€,
09:16
and what kinds of benefits come with those positions.
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๊ทธ๋ฆฌ๊ณ  ํ•ด๋‹น ์ง์ฑ…์— ์–ด๋–ค ์ข…๋ฅ˜์˜ ํ˜œํƒ์ด ์žˆ๋Š”์ง€ ์•Œ์•„๋ณด์„ธ์š”.
09:20
When we talk about wage growth,
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์ž„๊ธˆ ์„ฑ์žฅ์— ๋Œ€ํ•ด ์ด์•ผ๊ธฐํ•  ๋•Œ,
09:22
we're describing how much pay increases over time.
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์šฐ๋ฆฌ๋Š” ์‹œ๊ฐ„์ด ์ง€๋‚จ์— ๋”ฐ๋ผ ์ž„๊ธˆ์ด ์–ผ๋งˆ๋‚˜ ์ฆ๊ฐ€ํ•˜๋Š”์ง€๋ฅผ ์„ค๋ช…ํ•˜๋Š” ๊ฒƒ์ž…๋‹ˆ๋‹ค.
09:26
Let me give you a clear example.
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๋ช…ํ™•ํ•œ ์˜ˆ๋ฅผ ํ•˜๋‚˜ ๋“ค์–ด๋ณด๊ฒ ์Šต๋‹ˆ๋‹ค.
09:28
If someone earned $2,000 monthly last year
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๋งŒ์•ฝ ๋ˆ„๊ตฐ๊ฐ€๊ฐ€ ์ž‘๋…„์— ์›” 2,000๋‹ฌ๋Ÿฌ๋ฅผ ๋ฒŒ์—ˆ๊ณ ,
09:33
and now earns $2,100 monthly,
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ํ˜„์žฌ ์›” 2,100๋‹ฌ๋Ÿฌ๋ฅผ ๋ฒŒ๊ณ  ์žˆ๋‹ค๋ฉด,
09:37
that is a 5% wage growth. But here's where it gets interesting.
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์ด๋Š” 5%์˜ ์ž„๊ธˆ ์„ฑ์žฅ๋ฅ ์ž…๋‹ˆ๋‹ค. ํ•˜์ง€๋งŒ ํฅ๋ฏธ๋กœ์šด ์ ์€ ๋ฐ”๋กœ ์—ฌ๊ธฐ์— ์žˆ์Šต๋‹ˆ๋‹ค.
09:42
Wage growth doesn't happen in isolation.
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์ž„๊ธˆ ์„ฑ์žฅ์€ ๊ณ ๋ฆฝ๋˜์–ด ์ผ์–ด๋‚˜์ง€ ์•Š์Šต๋‹ˆ๋‹ค.
09:46
It's connected to many factors such as how well the economy is
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๊ทธ๊ฒƒ์€ ๊ฒฝ์ œ ์ƒํ™ฉ
09:51
doing, how successful different industries are,
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, ๋‹ค์–‘ํ•œ ์‚ฐ์—…์˜ ์„ฑ๊ณต ์—ฌ๋ถ€,
09:54
how productive workers are, and changes in living costs.
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๊ทผ๋กœ์ž์˜ ์ƒ์‚ฐ์„ฑ, ์ƒํ™œ๋น„์˜ ๋ณ€ํ™” ๋“ฑ ์—ฌ๋Ÿฌ ์š”์ธ๊ณผ ๊ด€๋ จ์ด ์žˆ์Šต๋‹ˆ๋‹ค.
09:59
That's why you might hear discussions about whether wage growth is keeping
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๊ทธ๋ž˜์„œ ์ž„๊ธˆ ์„ฑ์žฅ๋ฅ ์ด
10:04
pace with inflation. Speaking of which, let's talk about cost of living.
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์ธํ”Œ๋ ˆ์ด์…˜๊ณผ ๋ณด์กฐ๋ฅผ ๋งž์ถ”๊ณ  ์žˆ๋Š”์ง€์— ๋Œ€ํ•œ ๋…ผ์˜๋ฅผ ๋“ค์„ ์ˆ˜ ์žˆ์„ ๊ฒƒ์ž…๋‹ˆ๋‹ค. ๊ทธ๋Ÿฐ๋ฐ, ์ƒํ™œ๋น„์— ๋Œ€ํ•ด์„œ ์ด์•ผ๊ธฐํ•ด ๋ณด์ฃ .
10:10
A term you'll often hear when discussing jobs and cities,
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์ผ์ž๋ฆฌ์™€ ๋„์‹œ์— ๊ด€ํ•ด ๋…ผ์˜ํ•  ๋•Œ,
10:14
particularly if someone is relocating, cost of living,
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ํŠนํžˆ ๋ˆ„๊ตฐ๊ฐ€๊ฐ€ ์ด์‚ฌ๋ฅผ ๊ฐˆ ๋•Œ ์ž์ฃผ ๋“ค์„ ์ˆ˜ ์žˆ๋Š” ์šฉ์–ด์ธ ์ƒํ™œ๋น„๋Š”
10:18
is the amount of money you need for basic expenses in a particular area.
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ํŠน์ • ์ง€์—ญ์—์„œ ๊ธฐ๋ณธ์ ์ธ ์ƒํ™œ๋น„๋กœ ํ•„์š”ํ•œ ๊ธˆ์•ก์„ ๋งํ•ฉ๋‹ˆ๋‹ค.
10:23
It includes everything from housing and food to transportation
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์—ฌ๊ธฐ์—๋Š” ์ฃผํƒ, ์Œ์‹, ๊ตํ†ต
10:28
and daily necessities.
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, ์ผ์ƒ ํ•„์ˆ˜ํ’ˆ๊นŒ์ง€ ๋ชจ๋“  ๊ฒƒ์ด ํฌํ•จ๋ฉ๋‹ˆ๋‹ค.
10:30
What's fascinating about cost of living is how much it can vary.
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์ƒํ™œ๋น„์— ๋Œ€ํ•ด ํฅ๋ฏธ๋กœ์šด ์ ์€ ๊ทธ๊ฒƒ์ด ์–ผ๋งˆ๋‚˜ ๋‹ค์–‘ํ•  ์ˆ˜ ์žˆ๋Š”๊ฐ€์ž…๋‹ˆ๋‹ค.
10:35
The same salary might let you live comfortably in one city,
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๊ฐ™์€ ๊ธ‰์—ฌ๋กœ๋„ ์–ด๋–ค ๋„์‹œ์—์„œ๋Š” ํŽธ์•ˆํ•˜๊ฒŒ ์‚ด ์ˆ˜ ์žˆ์–ด๋„,
10:39
but barely cover the basics in another.
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๋‹ค๋ฅธ ๋„์‹œ์—์„œ๋Š” ๊ธฐ๋ณธ์ ์ธ ์ƒํ™œ์กฐ์ฐจ ์ œ๋Œ€๋กœ ํ•  ์ˆ˜ ์—†์„ ์ˆ˜๋„ ์žˆ์Šต๋‹ˆ๋‹ค.
10:43
This is why people often consider cost of living when thinking about
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์‚ฌ๋žŒ๋“ค์ด
10:48
job opportunities or again, relocating to a new city.
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์ทจ์—… ๊ธฐํšŒ๋‚˜ ์ƒˆ๋กœ์šด ๋„์‹œ๋กœ ์ด์‚ฌํ•  ๋•Œ ์ƒํ™œ๋น„๋ฅผ ๊ณ ๋ คํ•˜๋Š” ์ด์œ ๊ฐ€ ๋ฐ”๋กœ ์ด๊ฒ๋‹ˆ๋‹ค.
10:53
And finally, let's explore a newer term that's becoming more and more common,
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๋งˆ์ง€๋ง‰์œผ๋กœ, ์ ์  ๋” ์ผ๋ฐ˜ํ™”๋˜๊ณ  ์žˆ๋Š” ์ƒˆ๋กœ์šด ์šฉ์–ด์ธ
10:58
the gig economy.
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๊ธฑ ์ด์ฝ”๋…ธ๋ฏธ์— ๋Œ€ํ•ด ์‚ดํŽด๋ณด๊ฒ ์Šต๋‹ˆ๋‹ค.
11:00
This describes a way of working that is different from traditional
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์ด๋Š” ์ „ํ†ต์ ์ธ ์ •๊ทœ์ง ์ผ์ž๋ฆฌ์™€ ๋‹ค๋ฅธ ๊ทผ๋ฌด ๋ฐฉ์‹์„ ์„ค๋ช…ํ•ฉ๋‹ˆ๋‹ค
11:04
full-time jobs. Instead of working for just one employer,
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. ๊ธฑ ๊ฒฝ์ œ์— ์ข…์‚ฌํ•˜๋Š” ์‚ฌ๋žŒ๋“ค์€ ํ•œ ๊ณ ์šฉ์ฃผ๋ฅผ ์œ„ํ•ด ์ผํ•˜๋Š” ๋Œ€์‹ ,
11:08
people in the gig economy often work for various clients
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๋‹ค์–‘ํ•œ ๊ณ ๊ฐ์„ ์œ„ํ•ด ๋‹ค์–‘ํ•œ ํ”„๋กœ์ ํŠธ๋ฅผ ์œ„ํ•ด ์ผํ•˜๋Š” ๊ฒฝ์šฐ๊ฐ€ ๋งŽ์Šต๋‹ˆ๋‹ค
11:13
on different projects.
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.
11:15
Think of freelance ride share drivers like Uber or
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Uber๋‚˜ Lyft์™€ ๊ฐ™์€ ํ”„๋ฆฌ๋žœ์„œ ์Šน์ฐจ ๊ณต์œ  ์šด์ „์ž
11:20
Lyft or project consultants.
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๋‚˜ ํ”„๋กœ์ ํŠธ ์ปจ์„คํ„ดํŠธ๋ฅผ ์ƒ๊ฐํ•ด ๋ณด์„ธ์š”.
11:23
This type of work offers flexibility but comes with different considerations
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์ด๋Ÿฐ ์œ ํ˜•์˜ ์ผ์€ ์œ ์—ฐ์„ฑ์„ ์ œ๊ณต ํ•˜์ง€๋งŒ ์ „ํ†ต์ ์ธ ๊ณ ์šฉ๊ณผ๋Š” ๋‹ค๋ฅธ ๊ณ ๋ ค์‚ฌํ•ญ์ด ๋”ฐ๋ฆ…๋‹ˆ๋‹ค
11:28
than traditional employment.
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.
11:30
Understanding the gig economy helps you follow conversations about how work
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๊ธฑ ๊ฒฝ์ œ๋ฅผ ์ดํ•ดํ•˜๋ฉด ์˜ค๋Š˜๋‚  ์„ธ์ƒ์—์„œ ์ผ์ด ์–ด๋–ป๊ฒŒ ๋ณ€ํ™”ํ•˜๊ณ  ์žˆ๋Š”์ง€์— ๋Œ€ํ•œ ๋Œ€ํ™”๋ฅผ ๋”ฐ๋ผ๊ฐ€๋Š” ๋ฐ ๋„์›€์ด ๋ฉ๋‹ˆ๋‹ค
11:35
is changing in today's world. Next up,
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. ๋‹ค์Œ์œผ๋กœ,
11:38
let's explore who makes all the big decisions in the economy and
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๊ฒฝ์ œ์—์„œ ์ค‘์š”ํ•œ ๊ฒฐ์ •์„ ๋‚ด๋ฆฌ๋Š” ์‚ฌ๋žŒ์€ ๋ˆ„๊ตฌ์ธ์ง€, ๊ทธ๋ฆฌ๊ณ 
11:43
how these decisions affect our lives.
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์ด๋Ÿฌํ•œ ๊ฒฐ์ •์ด ์šฐ๋ฆฌ ์‚ถ์— ์–ด๋–ค ์˜ํ–ฅ์„ ๋ฏธ์น˜๋Š”์ง€ ์‚ดํŽด๋ณด๊ฒ ์Šต๋‹ˆ๋‹ค. ์ฒ˜์Œ์—๋Š”
11:46
Don't worry if these terms sound a bit complex at first.
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์ด๋Ÿฌํ•œ ์šฉ์–ด๊ฐ€ ์กฐ๊ธˆ ๋ณต์žกํ•˜๊ฒŒ ๋“ค๋ฆฌ๋”๋ผ๋„ ๊ฑฑ์ •ํ•˜์ง€ ๋งˆ์‹ญ์‹œ์˜ค .
11:49
I'm going to break them down into clear.
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์ €๋Š” ๊ทธ๊ฒƒ๋“ค์„ ๋ช…ํ™•ํ•˜๊ฒŒ ๋‚˜๋ˆ„์–ด ์„ค๋ช…ํ•˜๊ฒ ์Šต๋‹ˆ๋‹ค.
11:52
Practical examples. First, the Central Bank.
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์‹ค์ œ ์‚ฌ๋ก€. ์ฒซ ๋ฒˆ์งธ๋Š” ์ค‘์•™์€ํ–‰์ž…๋‹ˆ๋‹ค.
11:57
The central bank is like a manager for the country's money system.
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์ค‘์•™์€ํ–‰์€ ๊ตญ๊ฐ€์˜ ํ†ตํ™” ์‹œ์Šคํ…œ์„ ๊ด€๋ฆฌํ•˜๋Š” ์‚ฌ๋žŒ๊ณผ ๊ฐ™์Šต๋‹ˆ๋‹ค.
12:02
Just as a store manager makes decisions that affect everyone in the
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๋งค์žฅ ๊ด€๋ฆฌ์ž๊ฐ€ ๋งค์žฅ ์˜ ๋ชจ๋“  ๊ตฌ์„ฑ์›์—๊ฒŒ ์˜ํ–ฅ์„ ๋ฏธ์น˜๋Š” ๊ฒฐ์ •์„ ๋‚ด๋ฆฌ๋Š” ๊ฒƒ์ฒ˜๋Ÿผ
12:07
store,
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12:07
the central bank makes decisions that affect everyone in the economy.
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,
์ค‘์•™์€ํ–‰์€ ๊ฒฝ์ œ์˜ ๋ชจ๋“  ๊ตฌ์„ฑ์›์—๊ฒŒ ์˜ํ–ฅ์„ ๋ฏธ์น˜๋Š” ๊ฒฐ์ •์„ ๋‚ด๋ฆฝ๋‹ˆ๋‹ค.
12:13
Their main tool is controlling interest rates.
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๊ทธ๋“ค์˜ ์ฃผ์š” ๋„๊ตฌ๋Š” ์ด์ž์œจ์„ ํ†ต์ œํ•˜๋Š” ๊ฒƒ์ž…๋‹ˆ๋‹ค.
12:16
We talked about this word earlier when you hear a sentence like the central bank
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์šฐ๋ฆฌ๋Š” ์ค‘์•™์€ํ–‰์ด
12:21
raised interest rates. This isn't just news for banks. It affects all of us.
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์ด์ž์œจ์„ ์ธ์ƒํ–ˆ๋‹ค๋Š” ๋ฌธ์žฅ์„ ๋“ค์—ˆ์„ ๋•Œ ์ด ๋‹จ์–ด์— ๋Œ€ํ•ด ์ด์•ผ๊ธฐํ–ˆ์Šต๋‹ˆ๋‹ค. ์ด๋Š” ์€ํ–‰์—๋งŒ ํ•ด๋‹น๋˜๋Š” ์†Œ์‹์ด ์•„๋‹™๋‹ˆ๋‹ค. ์ด๋Š” ์šฐ๋ฆฌ ๋ชจ๋‘์—๊ฒŒ ์˜ํ–ฅ์„ ๋ฏธ์นฉ๋‹ˆ๋‹ค.
12:27
Higher interest rates means borrowing money becomes more expensive,
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์ด์ž์œจ์ด ๋†’์•„์ง€๋ฉด ๋ˆ์„ ๋นŒ๋ฆฌ๋Š” ๊ฒƒ๋„ ๋” ๋น„์‹ธ์ง‘๋‹ˆ๋‹ค. ์‹ ์šฉ์นด๋“œ๋ฅผ
12:31
whether you're buying a house using a credit card or getting a car loan,
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์‚ฌ์šฉํ•˜์—ฌ ์ง‘์„ ์‚ฌ๋“ , ์ž๋™์ฐจ ๋Œ€์ถœ์„ ๋ฐ›๋“ 
12:36
it also means that you might earn more on your savings accounts.
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๋ง์ž…๋‹ˆ๋‹ค. ๋˜ํ•œ ์ €์ถ• ๊ณ„์ขŒ์—์„œ ๋” ๋งŽ์€ ์ˆ˜์ต์„ ์–ป์„ ์ˆ˜๋„ ์žˆ์Šต๋‹ˆ๋‹ค. ์ด
12:42
Let's talk about this a little bit more with some simple math.
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๋ฌธ์ œ๋ฅผ ๊ฐ„๋‹จํ•œ ์ˆ˜ํ•™์„ ํ†ตํ•ด ์ข€๋” ์ž์„ธํžˆ ์‚ดํŽด๋ณด๊ฒ ์Šต๋‹ˆ๋‹ค.
12:45
If you borrow a thousand dollars with a 5% interest rate,
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๋งŒ์•ฝ 5%์˜ ์ด์ž์œจ๋กœ ์ฒœ ๋‹ฌ๋Ÿฌ๋ฅผ ๋นŒ๋ ธ๋‹ค๋ฉด,
12:50
you'll need to pay back the original thousand dollars plus
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์›๋ž˜ ์ฒœ ๋‹ฌ๋Ÿฌ
12:54
$50 in interest. Similarly,
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์— ์ด์ž 50๋‹ฌ๋Ÿฌ๋ฅผ ๋”ํ•ด์„œ ๊ฐš์•„์•ผ ํ•ฉ๋‹ˆ๋‹ค. ๋งˆ์ฐฌ๊ฐ€์ง€๋กœ,
12:57
if you save a thousand dollars in a savings account with a 2% interest
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๋งŒ์•ฝ ๋‹น์‹ ์ด ์—ฐ 2%์˜ ์ด์ž์œจ์„ ๊ฐ€์ง„ ์ €์ถ• ๊ณ„์ขŒ์— ์ฒœ ๋‹ฌ๋Ÿฌ๋ฅผ ์ €์ถ•ํ•œ๋‹ค๋ฉด
13:02
rate,
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,
13:03
the bank will pay you $20 for keeping your money with them.
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์€ํ–‰์€ ๋‹น์‹ ์˜ ๋ˆ์„ ๋ณด๊ด€ํ•˜๋Š” ๋Œ€๊ฐ€๋กœ ๋‹น์‹ ์—๊ฒŒ 20๋‹ฌ๋Ÿฌ๋ฅผ ์ง€๋ถˆํ•  ๊ฒƒ์ž…๋‹ˆ๋‹ค .
13:08
To do all of this,
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์ด๋Ÿฌํ•œ ๋ชจ๋“  ๊ฒƒ์„ ์‹คํ–‰ํ•˜๊ธฐ ์œ„ํ•ด
13:10
the central bank uses what we call the key rate or policy rate as a
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์ค‘์•™์€ํ–‰์€ ๊ธฐ์ค€๊ธˆ๋ฆฌ ๋˜๋Š” ์ •์ฑ…๊ธˆ๋ฆฌ๋ผ๊ณ  ๋ถˆ๋ฆฌ๋Š”
13:14
foundation. When this rate changes,
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๊ธฐ์ค€์„ ์‚ฌ์šฉํ•ฉ๋‹ˆ๋‹ค. ์ด ๊ธˆ๋ฆฌ๊ฐ€ ๋ณ€ํ™”ํ•˜๋ฉด
13:18
it usually leads to changes in all other interest rates in the economy,
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์ผ๋ฐ˜์ ์œผ๋กœ ๊ฒฝ์ œ ๋‚ด ๋‹ค๋ฅธ ๋ชจ๋“  ๊ธˆ๋ฆฌ๋„ ๋ณ€ํ™”ํ•˜๊ฒŒ ๋˜๋ฉฐ,
13:23
and this is the perfect time to transition into how governments
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์ด๋Š” ์ •๋ถ€๊ฐ€ ๋‹ค์–‘ํ•œ ์ •์ฑ…๊ณผ ๊ฒฐ์ •์„ ํ†ตํ•ด
13:28
interact with the economy through different policies and decisions. For example,
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๊ฒฝ์ œ์™€ ์ƒํ˜ธ์ž‘์šฉํ•˜๋Š” ๋ฐฉ์‹์œผ๋กœ ์ „ํ™˜ํ•˜๊ธฐ์— ์™„๋ฒฝํ•œ ์‹œ์ ์ž…๋‹ˆ๋‹ค . ์˜ˆ๋ฅผ ๋“ค์–ด,
13:34
tariffs a word that is all over the news right now.
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๊ด€์„ธ๋ผ๋Š” ๋‹จ์–ด๊ฐ€ ์ง€๊ธˆ ๋‰ด์Šค์— ์ž์ฃผ ๋“ฑ์žฅํ•ฉ๋‹ˆ๋‹ค.
13:38
When you hear about tariffs,
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๊ด€์„ธ์— ๋Œ€ํ•ด ๋“ค์–ด๋ณด์…จ์„ ๋•Œ,
13:40
we're talking about extra costs added to products that are made
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์šฐ๋ฆฌ๋Š” ๋‹ค๋ฅธ ๋‚˜๋ผ์—์„œ ์ƒ์‚ฐ๋˜์–ด ๊ท€ํ•˜์˜ ๋‚˜๋ผ์—์„œ ํŒ๋งค๋˜๋Š” ์ œํ’ˆ์— ์ถ”๊ฐ€ ๋น„์šฉ์ด ๋ถ€๊ณผ๋˜๋Š” ๊ฒƒ์„ ๋งํ•ฉ๋‹ˆ๋‹ค
13:45
in other countries and then sold in your country. Here's how it works.
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. ์ž‘๋™ ์›๋ฆฌ๋Š” ๋‹ค์Œ๊ณผ ๊ฐ™์Šต๋‹ˆ๋‹ค.
13:50
Let's imagine a phone that's manufactured in country A
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๊ตญ๊ฐ€ A์—์„œ ์ œ์กฐ๋˜์–ด
13:55
and it's sold in country B For $300, that's the amount that you might pay.
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๊ตญ๊ฐ€ B์—์„œ ํŒ๋งค๋˜๋Š” ํœด๋Œ€์ „ํ™”๋ฅผ ์ƒ์ƒํ•ด ๋ณด์„ธ์š”. ๊ฐ€๊ฒฉ์€ 300๋‹ฌ๋Ÿฌ ์ž…๋‹ˆ๋‹ค.
14:00
But if country B adds a 10% tariff
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ํ•˜์ง€๋งŒ ๊ตญ๊ฐ€ B์—์„œ
14:05
on those phones,
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ํ•ด๋‹น ํœด๋Œ€์ „ํ™”์— 10% ๊ด€์„ธ๋ฅผ ๋ถ€๊ณผํ•˜๋ฉด ๊ฐ€๊ฒฉ์ด
14:07
that adds $30 to the price making it cost $330.
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30๋‹ฌ๋Ÿฌ ์ƒ์Šน ํ•˜์—ฌ ์ด ๋น„์šฉ์€ 330๋‹ฌ๋Ÿฌ๊ฐ€ ๋ฉ๋‹ˆ๋‹ค.
14:12
And this is important to understand because while governments add these tariffs
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์ด๋ฅผ ์ดํ•ดํ•˜๋Š” ๊ฒƒ์ด ์ค‘์š”ํ•œ๋ฐ, ์ •๋ถ€๊ฐ€
14:17
on imported products,
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์ˆ˜์ž… ์ œํ’ˆ์— ๊ด€์„ธ๋ฅผ ๋ถ€๊ณผํ•˜๋”๋ผ๋„,
14:19
it's usually the consumers or the customers who end up paying the
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๊ฒฐ๊ตญ ์ถ”๊ฐ€ ๊ฐ€๊ฒฉ์„ ์ง€๋ถˆํ•˜๋Š” ๊ฒƒ์€ ์†Œ๋น„์ž๋‚˜ ๊ณ ๊ฐ์ด๊ธฐ ๋•Œ๋ฌธ์ž…๋‹ˆ๋‹ค
14:24
extra prices.
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.
14:25
Here's why a company will pay that tariff when they import
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ํšŒ์‚ฌ๊ฐ€ ์ƒํ’ˆ์„ ์ˆ˜์ž…ํ•  ๋•Œ ๊ด€์„ธ๋ฅผ ๋‚ด๊ณ 
14:30
the goods and then they pass on the extra cost to their
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๊ทธ ์ถ”๊ฐ€ ๋น„์šฉ์„
14:35
customers or buyers.
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๊ณ ๊ฐ์ด๋‚˜ ๊ตฌ๋งค์ž์—๊ฒŒ ์ „๊ฐ€ํ•˜๋Š” ์ด์œ ๋Š” ๋‹ค์Œ๊ณผ ๊ฐ™์Šต๋‹ˆ๋‹ค.
14:37
This affects both which imported products are available in stores
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์ด๋Š” ๋งค์žฅ์—์„œ ํŒ๋งค๋˜๋Š” ์ˆ˜์ž… ์ œํ’ˆ์˜ ์ข…๋ฅ˜
14:42
and how much they cost.
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์™€ ๊ฐ€๊ฒฉ์— ์˜ํ–ฅ์„ ๋ฏธ์นฉ๋‹ˆ๋‹ค.
14:44
And now let's move on to understanding national debt,
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์ด์ œ ๊ตญ๊ฐ€ ๋ถ€์ฑ„์— ๋Œ€ํ•ด ์ดํ•ดํ•ด ๋ณด๊ฒ ์Šต๋‹ˆ๋‹ค.
14:48
which will help you follow important economic.
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์ด๋Š” ์ค‘์š”ํ•œ ๊ฒฝ์ œ ๋™ํ–ฅ์„ ํŒŒ์•…ํ•˜๋Š” ๋ฐ ๋„์›€์ด ๋  ๊ฒƒ์ž…๋‹ˆ๋‹ค.
14:50
Discussions.
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ํ† ๋ก .
14:52
The national debt is the total amount a government owes to
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๊ตญ๊ฐ€ ๋ถ€์ฑ„๋Š” ์ •๋ถ€๊ฐ€ ๋‹ค๋ฅธ ๊ตญ๊ฐ€๋ฅผ ํฌํ•จํ•œ ๋‹ค์–‘ํ•œ ์ฑ„๊ถŒ์ž์—๊ฒŒ ๊ฐš์•„์•ผ ํ•˜๋Š” ์ด ๊ธˆ์•ก์„ ๋งํ•ฉ๋‹ˆ๋‹ค
14:57
various lenders, including other countries.
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.
15:00
Banks and investors who buy government bonds.
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์ •๋ถ€ ์ฑ„๊ถŒ์„ ๋งค์ˆ˜ํ•˜๋Š” ์€ํ–‰๊ณผ ํˆฌ์ž์ž.
15:03
Think of it like a very large credit card bill,
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์ด๋ฅผ ๋งค์šฐ ํฐ ๊ธˆ์•ก์˜ ์‹ ์šฉ์นด๋“œ ์ฒญ๊ตฌ์„œ๋ผ๊ณ  ์ƒ๊ฐํ•ด๋ณด์„ธ์š”.
15:07
but for an entire country,
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ํ•˜์ง€๋งŒ ๊ตญ๊ฐ€ ์ „์ฒด๋ฅผ ๋Œ€์ƒ์œผ๋กœ
15:10
when you hear the national debt increased,
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๊ตญ๊ฐ€ ๋ถ€์ฑ„๊ฐ€ ๋Š˜์–ด๋‚ฌ๋‹ค๋Š” ๊ฒƒ์€
15:13
it means the government has borrowed more money to pay for things like
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์ •๋ถ€๊ฐ€
15:18
public services,
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๊ณต๊ณต ์„œ๋น„์Šค,
15:19
infrastructure and various programs related to this is the
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์ธํ”„๋ผ, ์ด์™€ ๊ด€๋ จ๋œ ๋‹ค์–‘ํ•œ ํ”„๋กœ๊ทธ๋žจ ๋“ฑ์— ๋น„์šฉ์„ ์ง€๋ถˆํ•˜๊ธฐ ์œ„ํ•ด ๋” ๋งŽ์€ ๋ˆ์„ ๋นŒ๋ ธ๋‹ค๋Š” ๊ฒƒ์„ ์˜๋ฏธํ•˜๋Š”๋ฐ, ์ด๊ฒƒ์ด
15:24
federal deficit.
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์—ฐ๋ฐฉ ์ ์ž์ž…๋‹ˆ๋‹ค.
15:26
This happens when a government spends more money in a year than it receives
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์ด๋Š” ์ •๋ถ€๊ฐ€ ์„ธ๊ธˆ๊ณผ ๋‹ค๋ฅธ ์ˆ˜์ž…์›์—์„œ ๋ฐ›๋Š” ์ˆ˜์ž…๋ณด๋‹ค 1๋…„ ๋™์•ˆ ์ง€์ถœํ•˜๋Š” ๋ˆ์ด ๋” ๋งŽ์„ ๋•Œ ๋ฐœ์ƒํ•ฉ๋‹ˆ๋‹ค
15:31
from taxes and other sources of income. For example,
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. ์˜ˆ๋ฅผ ๋“ค์–ด,
15:35
if a government receives $3 trillion but spends
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์ •๋ถ€๊ฐ€ 3์กฐ ๋‹ฌ๋Ÿฌ๋ฅผ ๋ฐ›์•˜์ง€๋งŒ
15:40
4 trillion on public services and programs,
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๊ณต๊ณต ์„œ๋น„์Šค์™€ ํ”„๋กœ๊ทธ๋žจ์— 4์กฐ ๋‹ฌ๋Ÿฌ๋ฅผ ์ง€์ถœํ•˜๋ฉด
15:43
there's a $1 trillion deficit.
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1์กฐ ๋‹ฌ๋Ÿฌ์˜ ์ ์ž๊ฐ€ ๋ฐœ์ƒํ•ฉ๋‹ˆ๋‹ค.
15:47
This matters because decisions about government spending and income
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์ด๋Š” ์ •๋ถ€ ์ง€์ถœ๊ณผ ์†Œ๋“์— ๋Œ€ํ•œ ๊ฒฐ์ •์ด ๊ณต๊ณต ์„œ๋น„์Šค
15:52
can affect everything from public services to tax policies.
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๋ถ€ํ„ฐ ์„ธ๊ธˆ ์ •์ฑ…๊นŒ์ง€ ๋ชจ๋“  ๊ฒƒ์— ์˜ํ–ฅ์„ ๋ฏธ์น  ์ˆ˜ ์žˆ๊ธฐ ๋•Œ๋ฌธ์— ์ค‘์š”ํ•ฉ๋‹ˆ๋‹ค .
15:57
In our final section,
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๋งˆ์ง€๋ง‰ ๋ถ€๋ถ„์—์„œ๋Š”
15:59
let's look at terms that help us understand economic conditions and changes.
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๊ฒฝ์ œ ์ƒํ™ฉ๊ณผ ๋ณ€ํ™”๋ฅผ ์ดํ•ดํ•˜๋Š” ๋ฐ ๋„์›€์ด ๋˜๋Š” ์šฉ์–ด๋ฅผ ์‚ดํŽด๋ณด๊ฒ ์Šต๋‹ˆ๋‹ค .
16:04
Sometimes economies face serious challenges called a financial
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๋•Œ๋•Œ๋กœ ๊ฒฝ์ œ๋Š” ๊ธˆ์œต ์œ„๊ธฐ๋ผ๊ณ  ๋ถˆ๋ฆฌ๋Š” ์‹ฌ๊ฐํ•œ ์–ด๋ ค์›€์— ์ง๋ฉดํ•ฉ๋‹ˆ๋‹ค
16:09
crisis.
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16:10
These are periods of time when a financial system experiences significant
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๊ธˆ์œต ์‹œ์Šคํ…œ์ด ์‹ฌ๊ฐํ•œ
16:15
problems During a financial crisis, you might notice several changes.
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๋ฌธ์ œ๋ฅผ ๊ฒช๋Š” ๊ธฐ๊ฐ„์ด ์žˆ์Šต๋‹ˆ๋‹ค. ๊ธˆ์œต ์œ„๊ธฐ ๋™์•ˆ์—๋Š” ์—ฌ๋Ÿฌ ๊ฐ€์ง€ ๋ณ€ํ™”๋ฅผ ๋Š๋‚„ ์ˆ˜ ์žˆ์Šต๋‹ˆ๋‹ค.
16:20
Banks might become stricter about lending money.
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์€ํ–‰์ด ๋Œ€์ถœ์— ๋Œ€ํ•ด ๋”์šฑ ์—„๊ฒฉํ•ด์งˆ ์ˆ˜๋„ ์žˆ๋‹ค.
16:24
Stock market values might fall sharply.
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์ฃผ์‹์‹œ์žฅ ๊ฐ€์น˜๊ฐ€ ๊ธ‰๋ฝํ•  ์ˆ˜๋„ ์žˆ์Šต๋‹ˆ๋‹ค.
16:28
Companies might reduce hiring or layoff workers,
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๊ธฐ์—…์ด ์ฑ„์šฉ์ด๋‚˜ ํ•ด๊ณ ๋ฅผ ์ค„์ผ ์ˆ˜๋„ ์žˆ๊ณ ,
16:31
and it might become harder to get loans.
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๋Œ€์ถœ์„ ๋ฐ›๊ธฐ๊ฐ€ ๋” ์–ด๋ ค์›Œ์งˆ ์ˆ˜๋„ ์žˆ์Šต๋‹ˆ๋‹ค.
16:33
Understanding these terms helps you recognize major economic challenges
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์ด๋Ÿฌํ•œ ์šฉ์–ด๋ฅผ ์ดํ•ดํ•˜๋ฉด ์ฃผ์š” ๊ฒฝ์ œ์  ์–ด๋ ค์›€์„ ์ธ์‹
16:38
and their potential effects on your daily life.
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ํ•˜๊ณ  ์ด๊ฒƒ์ด ์ผ์ƒ ์ƒํ™œ์— ๋ฏธ์น  ์ˆ˜ ์žˆ๋Š” ์ž ์žฌ์  ์˜ํ–ฅ์„ ํŒŒ์•…ํ•˜๋Š” ๋ฐ ๋„์›€์ด ๋ฉ๋‹ˆ๋‹ค.
16:41
Governments might respond to these economic challenges with economic
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์ •๋ถ€๋Š” ๊ฒฝ์ œ์  ์ž๊ทน์ฑ…์„ ํ†ตํ•ด ์ด๋Ÿฌํ•œ ๊ฒฝ์ œ์  ์–ด๋ ค์›€์— ๋Œ€์‘ํ•  ์ˆ˜๋„ ์žˆ๋‹ค
16:46
stimulus.
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16:47
Think of this like medicine for the economy when it's not doing well.
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๊ฒฝ์ œ๊ฐ€ ์ข‹์ง€ ์•Š์„ ๋•Œ ์ด๊ฒƒ์„ ์•ฝ์œผ๋กœ ์ƒ๊ฐํ•˜๋ฉด ๋ฉ๋‹ˆ๋‹ค .
16:53
Economic stimulus can take many forms. For example,
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๊ฒฝ์ œ์  ์ž๊ทน์€ ์—ฌ๋Ÿฌ ๊ฐ€์ง€ ํ˜•ํƒœ๋กœ ๋‚˜ํƒ€๋‚  ์ˆ˜ ์žˆ๋‹ค. ์˜ˆ๋ฅผ ๋“ค์–ด,
16:56
the government might reduce taxes to help people keep more of their money.
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์ •๋ถ€๋Š” ์‚ฌ๋žŒ๋“ค์ด ๋” ๋งŽ์€ ๋ˆ์„ ๋ณด์œ ํ•  ์ˆ˜ ์žˆ๋„๋ก ๋•๊ธฐ ์œ„ํ•ด ์„ธ๊ธˆ์„ ๋‚ฎ์ถœ ์ˆ˜ ์žˆ์Šต๋‹ˆ๋‹ค.
17:01
They may start large construction projects to create jobs or
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๊ทธ๋“ค์€ ์ผ์ž๋ฆฌ๋ฅผ ์ฐฝ์ถœํ•˜๊ธฐ ์œ„ํ•ด ๋Œ€๊ทœ๋ชจ ๊ฑด์„ค ํ”„๋กœ์ ํŠธ๋ฅผ ์‹œ์ž‘ํ•˜๊ฑฐ๋‚˜ ๊ธฐ์—…๊ณผ ๊ฐœ์ธ
17:06
provide direct support to businesses and individuals.
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์—๊ฒŒ ์ง์ ‘์ ์ธ ์ง€์›์„ ์ œ๊ณตํ•  ์ˆ˜๋„ ์žˆ์Šต๋‹ˆ๋‹ค .
17:09
All of these actions aim to boost economic activity and help the economy
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์ด๋Ÿฌํ•œ ๋ชจ๋“  ์กฐ์น˜๋Š” ๊ฒฝ์ œ ํ™œ๋™์„ ์ด‰์ง„ํ•˜๊ณ  ๊ฒฝ์ œ
17:14
recover. And finally,
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ํšŒ๋ณต์„ ๋•๊ธฐ ์œ„ํ•œ ๊ฒƒ์ž…๋‹ˆ๋‹ค. ๋งˆ์ง€๋ง‰์œผ๋กœ ์ €์ถ•๊ณผ ํˆฌ์ž์˜
17:17
let's talk about the difference between savings and investments.
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์ฐจ์ด์ ์— ๋Œ€ํ•ด ์ด์•ผ๊ธฐํ•ด ๋ณด๊ฒ ์Šต๋‹ˆ๋‹ค .
17:21
While they both involve money that you're setting aside,
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๋‘˜ ๋‹ค ๋”ฐ๋กœ ๋ชจ์•„๋‘” ๋ˆ๊ณผ ๊ด€๋ จ์ด ์žˆ์ง€๋งŒ ,
17:24
they serve different purposes.
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๊ทธ ๋ชฉ์ ์€ ์„œ๋กœ ๋‹ค๋ฆ…๋‹ˆ๋‹ค.
17:27
Savings is money you keep for future use or emergencies like
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์ €์ถ•์€ ์€ํ–‰์˜ ์ €์ถ• ๊ณ„์ขŒ์— ์˜ˆ์น˜ํ•ด ๋‘” ๋ˆ์ฒ˜๋Ÿผ ๋ฏธ๋ž˜์— ์“ฐ๊ฑฐ๋‚˜ ๋น„์ƒ์‹œ์— ๋Œ€๋น„ํ•ด ๋ณด๊ด€ํ•˜๋Š” ๋ˆ์ž…๋‹ˆ๋‹ค
17:32
money in a savings account at your bank. Investments on the other hand,
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. ๋ฐ˜๋ฉด, ํˆฌ์ž๋Š” ์ฃผ์‹์ด๋‚˜ ๋ถ€๋™์‚ฐ์„ ์‚ฌ๋Š” ๊ฒƒ์ฒ˜๋Ÿผ
17:36
are ways of using money with the goal of earning more over time,
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์‹œ๊ฐ„์ด ์ง€๋‚จ์— ๋”ฐ๋ผ ๋” ๋งŽ์€ ์ˆ˜์ต์„ ๋‚ผ ๋ชฉ์ ์œผ๋กœ ๋ˆ์„ ์‚ฌ์šฉํ•˜๋Š” ๋ฐฉ๋ฒ•์ž…๋‹ˆ๋‹ค
17:41
like buying stocks or property.
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.
17:44
Understanding this difference helps you make better decisions about your money
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์ด๋Ÿฌํ•œ ์ฐจ์ด์ ์„ ์ดํ•ดํ•˜๋ฉด ๋ชฉํ‘œ์— ๋”ฐ๋ผ ๋ˆ์— ๋Œ€ํ•œ ๋” ๋‚˜์€ ๊ฒฐ์ •์„ ๋‚ด๋ฆฌ๋Š” ๋ฐ ๋„์›€์ด ๋ฉ๋‹ˆ๋‹ค
17:49
based on your goals.
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. ๊ฒฝ์ œ์™€
17:51
Discussing hot topics in English like the economy requires both knowledge
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๊ฐ™์€ ํ™”์ œ์˜ ์ฃผ์ œ๋ฅผ ์˜์–ด๋กœ ๋…ผ์˜ํ•˜๋ ค๋ฉด ์ง€์‹๊ณผ ์ž์‹ ๊ฐ์ด ๋ชจ๋‘ ํ•„์š”ํ•ฉ๋‹ˆ๋‹ค
17:56
and confidence. Sometimes you might understand these concepts perfectly,
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. ๋•Œ๋กœ๋Š” ์ด๋Ÿฌํ•œ ๊ฐœ๋…์„ ์™„๋ฒฝํ•˜๊ฒŒ ์ดํ•ดํ•˜๋”๋ผ๋„,
18:01
but feel hesitant to join conversations about them,
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18:05
especially in professional situations.
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ํŠนํžˆ ์ „๋ฌธ์ ์ธ ์ƒํ™ฉ์—์„œ ์ด์— ๋Œ€ํ•œ ๋Œ€ํ™”์— ์ฐธ์—ฌํ•˜๋Š” ๋ฐ ์ฃผ์ €ํ•˜๋Š” ๊ฒฝ์šฐ๊ฐ€ ์žˆ์Šต๋‹ˆ๋‹ค.
18:08
This is exactly why I want to tell you about the Confident Women Community.
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์ด๊ฒƒ์ด ๋ฐ”๋กœ ์ œ๊ฐ€ ์—ฌ๋Ÿฌ๋ถ„๊ป˜ ์ž์‹ ๊ฐ ์žˆ๋Š” ์—ฌ์„ฑ ์ปค๋ฎค๋‹ˆํ‹ฐ์— ๋Œ€ํ•ด ๋ง์”€๋“œ๋ฆฌ๊ณ  ์‹ถ์€ ์ด์œ ์ž…๋‹ˆ๋‹ค.
18:12
The Confident Women Community is a supportive space where you can practice using
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์ž์‹ ๊ฐ ์žˆ๋Š” ์—ฌ์„ฑ ์ปค๋ฎค๋‹ˆํ‹ฐ๋Š” ์ „ ์„ธ๊ณ„ ์—ฌ์„ฑ๊ณผ ์‹ค์ œ ๋Œ€ํ™”์—์„œ
18:17
new vocabulary and all your English skills in real conversations
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์ƒˆ๋กœ์šด ์–ดํœ˜์™€ ์˜์–ด ์‹ค๋ ฅ์„ ์—ฐ์Šตํ•  ์ˆ˜ ์žˆ๋Š” ์ง€์› ๊ณต๊ฐ„์ž…๋‹ˆ๋‹ค.
18:21
with women around the world, in the community,
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์ปค๋ฎค๋‹ˆํ‹ฐ์—์„œ
18:24
you can discuss topics such as budgeting, personal development,
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์˜ˆ์‚ฐ, ๊ฐœ์ธ ๊ฐœ๋ฐœ,
18:28
and building relationships without worrying about mistakes. Inside,
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๊ด€๊ณ„ ๊ตฌ์ถ• ๋“ฑ์˜ ์ฃผ์ œ๋ฅผ ์‹ค์ˆ˜์— ๋Œ€ํ•œ ๊ฑฑ์ • ์—†์ด ๋…ผ์˜ํ•  ์ˆ˜ ์žˆ์Šต๋‹ˆ๋‹ค. ๋‚ด๋ถ€์—์„œ๋Š” ์˜ค๋Š˜ ์—ฌ๊ธฐ์„œ ๋ฐฐ์šด
18:32
you'll also find live conversation sessions where you can practice discussing
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18:37
real world topics, including the economic vocabulary we've learned here today.
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๊ฒฝ์ œ ์šฉ์–ด๋ฅผ ํฌํ•จํ•˜์—ฌ ์‹ค์ œ ์ฃผ์ œ์— ๋Œ€ํ•œ ํ† ๋ก ์„ ์—ฐ์Šตํ•  ์ˆ˜ ์žˆ๋Š” ๋ผ์ด๋ธŒ ๋Œ€ํ™” ์„ธ์…˜๋„ ์ฐพ์„ ์ˆ˜ ์žˆ์Šต๋‹ˆ๋‹ค .
18:43
You'll also find a supportive network of women just like you who want to express
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๋˜ํ•œ,
18:47
their thoughts clearly and confidently. In English,
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์ž์‹ ์˜ ์ƒ๊ฐ์„ ๋ช…ํ™•ํ•˜๊ณ  ์ž์‹ ์žˆ๊ฒŒ ํ‘œํ˜„ํ•˜๊ณ  ์‹ถ์–ดํ•˜๋Š” ์—ฌ๋Ÿฌ๋ถ„๊ณผ ๊ฐ™์€ ์—ฌ์„ฑ๋“ค๋กœ ๊ตฌ์„ฑ๋œ ์ง€์› ๋„คํŠธ์›Œํฌ๋„ ์ฐพ์„ ์ˆ˜ ์žˆ์Šต๋‹ˆ๋‹ค. ์˜์–ด ์ˆ˜์—…์—์„œ๋Š” ์ž์—ฐ์Šค๋Ÿฌ์šด ๋Œ€ํ™”์—์„œ
18:51
you'll discover regular activities and discussions that help you use new
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์ƒˆ๋กœ์šด ์–ดํœ˜๋ฅผ ์‚ฌ์šฉํ•˜๋Š” ๋ฐ ๋„์›€์ด ๋˜๋Š” ์ •๊ธฐ์ ์ธ ํ™œ๋™๊ณผ ํ† ๋ก ์„ ์ ‘ํ•˜๊ฒŒ ๋ฉ๋‹ˆ๋‹ค
18:55
vocabulary in natural conversations.
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.
18:59
All of this happens in a judgment-free environment where you can grow at
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์ด ๋ชจ๋“  ์ผ์€ ์—ฌ๋Ÿฌ๋ถ„์ด ์ž์‹ ์˜ ์†๋„์— ๋งž์ถฐ ์„ฑ์žฅํ•  ์ˆ˜ ์žˆ๋Š” ํŒ๋‹จ ์—†๋Š” ํ™˜๊ฒฝ์—์„œ ์ผ์–ด๋‚ฉ๋‹ˆ๋‹ค
19:03
your own pace. Whether you want to feel more confident discussing economic news,
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. ๊ฒฝ์ œ ๋‰ด์Šค๋ฅผ ๋…ผ์˜ํ•˜๊ฑฐ๋‚˜,
19:08
with colleagues, expressing your opinions,
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๋™๋ฃŒ์™€ ์˜๊ฒฌ์„ ํ‘œํ˜„ํ•˜๊ฑฐ๋‚˜,
19:11
or simply having casual conversations in English,
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๋‹จ์ˆœํžˆ ์˜์–ด๋กœ ์บ์ฃผ์–ผํ•˜๊ฒŒ ๋Œ€ํ™”ํ•˜๋Š” ๋ฐ ์ž์‹ ๊ฐ์„ ๊ฐ–๊ณ  ์‹ถ์„ ๋•Œ
19:15
the Confident Women Community is here to support your journey.
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Confident Women Community๊ฐ€ ์—ฌ๋Ÿฌ๋ถ„์˜ ์—ฌ์ •์„ ์ง€์›ํ•˜๊ธฐ ์œ„ํ•ด ์—ฌ๊ธฐ ์žˆ์Šต๋‹ˆ๋‹ค.
19:19
If you'd like to learn more, I'll share a link to the Confident Women Community.
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๋” ์ž์„ธํžˆ ์•Œ๊ณ  ์‹ถ์œผ์‹œ๋‹ค๋ฉด Confident Women Community์— ๋Œ€ํ•œ ๋งํฌ๋ฅผ ๊ณต์œ ํ•ด๋“œ๋ฆฌ๊ฒ ์Šต๋‹ˆ๋‹ค.
19:23
In the notes below. Today,
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์•„๋ž˜์˜ ์ฐธ๊ณ ์‚ฌํ•ญ์—์„œ. ์˜ค๋Š˜์€
19:25
we've explored essential economic vocabulary that you can use in your daily
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์ผ์ƒ
19:30
life and in professional conversations. Remember,
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์ƒํ™œ๊ณผ ์ง์žฅ ๋‚ด ๋Œ€ํ™”์—์„œ ์‚ฌ์šฉํ•  ์ˆ˜ ์žˆ๋Š” ํ•„์ˆ˜์ ์ธ ๊ฒฝ์ œ ์šฉ์–ด๋ฅผ ์‚ดํŽด๋ณด๊ฒ ์Šต๋‹ˆ๋‹ค. ๊ธฐ์–ตํ•˜์„ธ์š”,
19:34
these terms aren't just for economists.
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์ด๋Ÿฌํ•œ ์šฉ์–ด๋Š” ๊ฒฝ์ œํ•™์ž์—๊ฒŒ๋งŒ ์ ์šฉ๋˜๋Š” ๊ฒƒ์ด ์•„๋‹™๋‹ˆ๋‹ค.
19:36
They're tools that help you understand the news that affects your life,
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์ด๋Ÿฌํ•œ ๋„๊ตฌ๋Š” ์—ฌ๋Ÿฌ๋ถ„ ์˜ ์‚ถ์— ์˜ํ–ฅ์„ ๋ฏธ์น˜๋Š” ๋‰ด์Šค๋ฅผ ์ดํ•ดํ•˜๊ณ ,
19:41
participate in workplace discussions,
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์ง์žฅ ํ† ๋ก ์— ์ฐธ์—ฌํ•˜๊ณ ,
19:43
and make informed decisions about your money and your career.
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๋ˆ๊ณผ ์ง์—…์— ๋Œ€ํ•œ ์ •๋ณด์— ์ž…๊ฐํ•œ ๊ฒฐ์ •์„ ๋‚ด๋ฆฌ๋Š” ๋ฐ ๋„์›€์ด ๋ฉ๋‹ˆ๋‹ค.
19:48
Building confidence with these terms takes practice,
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์ด๋Ÿฌํ•œ ์šฉ์–ด์— ๋Œ€ํ•œ ์ž์‹ ๊ฐ์„ ํ‚ค์šฐ๋ ค๋ฉด ์—ฐ์Šต์ด ํ•„์š”ํ•ฉ๋‹ˆ๋‹ค.
19:51
so try using one new term each day in your conversations
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๋Œ€ํ™”ํ•  ๋•Œ๋‚˜
19:56
or while reading news articles.
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๋‰ด์Šค ๊ธฐ์‚ฌ๋ฅผ ์ฝ์„ ๋•Œ ๋งค์ผ ์ƒˆ๋กœ์šด ์šฉ์–ด๋ฅผ ํ•˜๋‚˜์”ฉ ์‚ฌ์šฉํ•ด ๋ณด์„ธ์š”.
19:59
Pay attention to how these concepts connect to your daily life,
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20:03
whether you're shopping, planning, a budget, or discussing work.
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์‡ผํ•‘, ๊ณ„ํš, ์˜ˆ์‚ฐ ์ฑ…์ •, ์—…๋ฌด ๋…ผ์˜ ๋“ฑ ์ด๋Ÿฌํ•œ ๊ฐœ๋…์ด ์ผ์ƒ ์ƒํ™œ์— ์–ด๋–ป๊ฒŒ ์—ฐ๊ฒฐ๋˜๋Š”์ง€ ์ฃผ์˜ ๊นŠ๊ฒŒ ์‚ดํŽด๋ณด์„ธ์š”. ์˜ค๋Š˜์˜
20:08
If you enjoyed this lesson today, I would love to know,
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์ˆ˜์—…์ด ๋งˆ์Œ์— ๋“œ์…จ๋‹ค๋ฉด ์•Œ๋ ค์ฃผ์„ธ์š”.
20:11
and you can tell me in one very simple way,
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์•„์ฃผ ๊ฐ„๋‹จํ•œ ๋ฐฉ๋ฒ•์œผ๋กœ ์•Œ๋ ค์ฃผ์‹œ๋ฉด ๋ฉ๋‹ˆ๋‹ค. ์œ ํŠœ๋ธŒ์—์„œ
20:14
give this lesson a thumbs up here on YouTube, and while you're at it,
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์ด ์ˆ˜์—…์— ์ข‹์•„์š”๋ฅผ ๋ˆŒ๋Ÿฌ์ฃผ์‹œ๊ณ  ,
20:17
make sure you subscribe so you never miss one of my Confident English lessons.
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๊ตฌ๋…์„ ๊ผญ ๋ˆŒ๋Ÿฌ์ฃผ์‹œ๋ฉด ์ œ ์ž์‹ ๊ฐ ์žˆ๋Š” ์˜์–ด ์ˆ˜์—…์„ ํ•˜๋‚˜๋„ ๋†“์น˜์ง€ ์•Š์„ ์ˆ˜ ์žˆ์„ ๊ฑฐ์˜ˆ์š”.
20:22
Thank you so much for joining me, and I look forward to seeing you next time.
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์ฐธ์„ํ•ด์ฃผ์…”์„œ ๊ฐ์‚ฌํ•ฉ๋‹ˆ๋‹ค. ๋‹ค์Œ์—๋„ ๋ต™๊ฒ ์Šต๋‹ˆ๋‹ค.
์ด ์›น์‚ฌ์ดํŠธ ์ •๋ณด

์ด ์‚ฌ์ดํŠธ๋Š” ์˜์–ด ํ•™์Šต์— ์œ ์šฉํ•œ YouTube ๋™์˜์ƒ์„ ์†Œ๊ฐœํ•ฉ๋‹ˆ๋‹ค. ์ „ ์„ธ๊ณ„ ์ตœ๊ณ ์˜ ์„ ์ƒ๋‹˜๋“ค์ด ๊ฐ€๋ฅด์น˜๋Š” ์˜์–ด ์ˆ˜์—…์„ ๋ณด๊ฒŒ ๋  ๊ฒƒ์ž…๋‹ˆ๋‹ค. ๊ฐ ๋™์˜์ƒ ํŽ˜์ด์ง€์— ํ‘œ์‹œ๋˜๋Š” ์˜์–ด ์ž๋ง‰์„ ๋”๋ธ” ํด๋ฆญํ•˜๋ฉด ๊ทธ๊ณณ์—์„œ ๋™์˜์ƒ์ด ์žฌ์ƒ๋ฉ๋‹ˆ๋‹ค. ๋น„๋””์˜ค ์žฌ์ƒ์— ๋งž์ถฐ ์ž๋ง‰์ด ์Šคํฌ๋กค๋ฉ๋‹ˆ๋‹ค. ์˜๊ฒฌ์ด๋‚˜ ์š”์ฒญ์ด ์žˆ๋Š” ๊ฒฝ์šฐ ์ด ๋ฌธ์˜ ์–‘์‹์„ ์‚ฌ์šฉํ•˜์—ฌ ๋ฌธ์˜ํ•˜์‹ญ์‹œ์˜ค.

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