Shin Yoon-seung "Mother's living expenses of 1.5 million + loans of 1.4 million won..."I'm not saving money." (High-end salt guy)
Aug 13, 2024
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In the KBS 2TV entertainment show 『High-End Salt Man』 aired today (13th), Kim Kyung-pil's money trainer's special solution was unfolded for comedian Shin Yoon-seung, who is struggling with loan interest.
Shin Yoon-seung, who introduced himself as a new comedian in his 13th year, confessed that "I'm not collecting money" and "I'm actually living in two houses."
In response, Yang Se-hyung suspected that "Do you have any children who are preparing for marriage or are hidden?", and Shin Yoon-seung said "That's not true. People around me say 'Don't you make a lot of money?' but no one knows what's going on. And I didn't earn that much."
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In response, Lee Chan-won also sympathized with "I thought I would make a lot of money right after 'mistrot', and there were so many people who said, 'Bob, buy alcohol, you pay '."
When asked "Did you originally treat me well?", Shin Yoon-seung replied "I think I should buy it from them because I still have friends who don't make enough money than me." But as it continues, the amount increases little by little, and it's true that it's a little burdensome to keep buying."
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In particular, Shin Yoon-seung has been paying for living expenses for about five years. At that time, it was okay because we lived together, but as I left the house, there was also a cost. On average, I think I sent you 1.5 million won (for living expenses)," he said. "I'm also paying for the house I live in and the rent my mother lives in." I think the interest on both sides is about 1.4 million (a month)," he added.
"As a result, if I add up my living expenses, my mother's living expenses, and the fixed expenses, about 4.5 million won a month is just paid for it," he said.
And then there's this idea of "Let's pay off the loan quickly". But doesn't it happen when you need a lot of money in your life. That's why I'm worried about whether I should pay off the family loan right away or save a lot of money.
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However, trainer Kim Kyung-pil surprised everyone by saying, `However, I don't think there's anything wrong with this situation at all.'
Trainer Kim Kyung-pil said "Yoon-seung's loan is a loan with guaranteed principal. It is not a loan for consumption, but money that can be returned later. "The quality of debt is not bad. This is exactly what is hopeful about it."
Trainer Kim Kyung-pil then said, `I'll tell you the order of paying off the debt"Since the mother's house loan is expensive, the mother's house loan must be paid back first. YOON SEUNG is already doing that," he praised.
However, trainer Kim Kyung-pil said, `Do not pay back compulsively in the future, even paying prepayment fees,' adding, `Although it depends on the bank, prepayment fees are usually exempted from 10% of the remaining loan balance per year. Therefore, 200 million won is often exempted up to 20 million won. So you only need to pay it back within the range of 20 million won. Then you can save the rest."
At the same time, I recommend an ISA account to Shin Yoon-seung, who has 30 million won in his current bank account. An ISA account is an account that comprehensively manages personal assets. You can receive tax-free benefits on interest income from 2 million to 4 million won"And even if you earn more than that, you can save taxes with low taxes."
After hearing this, Shin Yoon-seung said, `They plan it perfectly, so I think we should just do it that way. I learned information that I didn't know."
yaqqol@sportschosun.com
