Day 41: Three Friends, One Travel Fund

Dialogue

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1. 1

   A 자, 모임 통장 잔고 확인했어. 오 년 동안 모은 게 천이백육십만 원이야.

   Ja, moim tongjang jango hwaginhaesseo. O nyeon dongan moeun ge cheonibaengnyuksimman woniya.

   Okay, I checked the balance on our group account. Five years of saving comes to 12.6 million won.

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2. 2

   C 와, 벌써 그렇게 됐어? 한 달에 칠만 원씩 넣은 게 이렇게 모이다니.

   Wa, beolsseo geureoke dwaesseo? Han dare chilman wonssik neoeun ge ireoke moidani.

   Wow, that much already? Seventy thousand won a month each added up to all that.

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3. 3

   A 근데 그냥 통장에 있으니까 금리가 낮아서 이자가 거의 안 붙어. 여행까지 일 년 남았는데 인덱스 펀드에 투자해 보면 어때?

   Geunde geunyang tongjange isseunikka geumniga najaseo ijaga geoui an buteo. Yeohaengkkaji il nyeon namanneunde indekseu peondeue tujahae bomyeon eottae?

   But since it's just sitting in the account, the interest rate is so low it earns almost nothing. The trip's still a year away, so how about investing it in an index fund?

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4. 4

   B 주식? 일 년 안에 떨어지면 어떡해. 유럽 가려고 모은 돈이잖아.

   Jusik? Il nyeon ane tteoreojimyeon eotteokae. Yureop garyeogo moeun donijana.

   Stocks? What if it drops within the year? It's money we saved for Europe.

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5. 5

   A 인덱스 펀드는 개별 주식보다 훨씬 안정적이야. 길게 보면 오르게 마련이고.

   Indekseu peondeuneun gaebyeol jusikboda hwolssin anjeongjeogiya. Gilge bomyeon oreuge maryeonigo.

   Index funds are much more stable than individual stocks. Over the long run, they're bound to go up.

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6. 6

   C 길게 보면 그렇지. 근데 일 년은 단기간이잖아. 여행 직전에 폭락하면 우리 유럽 대신 제주도 가야 돼.

   Gilge bomyeon geureochi. Geunde il nyeoneun dangiganijana. Yeohaeng jikjeone pongnakamyeon uri Yureop daesin Jejudo gaya dwae.

   Over the long run, sure. But a year is short-term. If it crashes right before the trip, we'll be going to Jeju instead of Europe.

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7. 7

   A 그럼 반만 넣고 반은 적금에 두는 건? 그 정도면 괜찮지 않아?

   Geureom banman neoko baneun jeokgeume duneun geon? Geu jeongdomyeon gwaenchanchi ana?

   Then what about putting in half and keeping half in a savings account? Wouldn't that be all right?

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8. 8

   C 반이면 괜찮고말고. 나는 찬성.

   Banimyeon gwaenchankomalgo. Naneun chanseong.

   Half is absolutely fine. I'm in.

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9. 9

   B 저기... 사실 나 할 말이 있어. 내 몫을 지금 빼도 될까?

   Jeogi... sasil na hal mari isseo. Nae mokseul jigeum ppaedo doelkka?

   Um... actually, I have something to tell you. Could I take out my share now?

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10. 10

    A 뭐? 갑자기 왜? 여행 안 가려고?

    Mwo? Gapjagi wae? Yeohaeng an garyeogo?

    What? Why all of a sudden? You're not coming on the trip?

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11. 11

    B 당연히 가고말고. 근데 다음 달에 원룸 계약이 끝나는데, 새로 구한 집 보증금이 사백만 원이나 모자라.

    Dangyeonhi gagomalgo. Geunde daeum dare wollum gyeyagi kkeunnaneunde, saero guhan jip bojeunggeumi sabaengman wonina mojara.

    Of course I'm coming. But my studio lease ends next month, and I'm a whole four million won short on the deposit for my new place.

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12. 12

    C 사백이면 네 몫이랑 거의 비슷하네. 집이 먼저지, 당연히.

    Sabaegimyeon ne moksirang geoui biseutane. Jibi meonjeoji, dangyeonhi.

    Four million is about the same as your share. Housing comes first, obviously.

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13. 13

    A 그럼 여행 경비는 어떻게 하려고? 일 년 안에 다시 모을 수 있어?

    Geureom yeohaeng gyeongbineun eotteoke haryeogo? Il nyeon ane dasi moeul su isseo?

    Then what'll you do about the trip money? Can you save it up again within a year?

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14. 14

    B 한 달에 삼십오만 원씩 따로 넣을게. 그러면 여행 가기 전까지 다 채울 수 있어.

    Han dare samsiboman wonssik ttaro neoeulge. Geureomyeon yeohaeng gagi jeonkkaji da chaeul su isseo.

    I'll put in 350,000 won a month separately. That way I can fill it back up before the trip.

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15. 15

    C 계획이 있으면 됐어. 돈 문제는 미리 말하는 게 제일 중요하지. 혼자 끙끙 앓다 보면 결국 서로 서운해지게 마련이야.

    Gyehoegi isseumyeon dwaesseo. Don munjeneun miri malhaneun ge jeil jungyohaji. Honja kkeungkkeung alta bomyeon gyeolguk seoro seounhaejige maryeoniya.

    If you've got a plan, that's fine. With money, what matters most is saying something early. If you just stew about it alone, people are bound to end up hurt.

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16. 16

    A 맞아. 그럼 정리하자. 우현이 몫은 이번 주에 빼 주고, 나머지는 반씩 펀드랑 적금에 넣는 거야.

    Maja. Geureom jeongnihaja. Uhyeoni mokseun ibeon jue ppae jugo, nameojineun banssik peondeurang jeokgeume neonneun geoya.

    Right. Let's sort it out, then. We take out Woohyun's share this week and split the rest half and half between the fund and the savings account.

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17. 17

    B 고마워, 얘들아. 유럽 가면 첫날 저녁은 내가 쏠게.

    Gomawo, yaedeura. Yureop gamyeon cheonnal jeonyeogeun naega ssolge.

    Thanks, guys. When we get to Europe, dinner on the first night's on me.

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18. 18

    C 좋아, 방금 그 말 녹음했다. 파리에서 제일 비싼 데로 간다.

    Joa, banggeum geu mal nogeumhaetda. Parieseo jeil bissan dero ganda.

    Great, I just recorded that. We're going to the most expensive place in Paris.

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