Reasons why newlyweds in their 30s find it tough to have a baby and live in Seoul Let's assume a newlywed couple in their 30s each receives a net salary of 3 million won. Housing costs (1.1 million won) -> They live in a 20-pyeong apartment because they have a child, assuming it's not rent but owned. They bought a 600 million won apartment with an 80% loan under the newborn special loan program, resulting in a monthly interest payment of 1.1 million won (considering a 2.4% interest rate). Childcare costs (500,000 won) -> Baby food, diapers, clothes, toys, baby supplies, etc. Food costs (1 million won) -> Calculated assuming no separate lunch allowance from the company, including lunch, dinner, and dining out expenses. Transportation costs (150,000 won) -> Assuming they use public transportation, the total for both is 150,000 won. Vehicle maintenance costs (1 million won) -> Roughly calculated based on a monthly installment of 600,000 won for an Avante, plus other consumables, taxes, insurance, etc. Just breathing costs 3.75 million won, haha. Additionally, various taxes, interest, clothing purchases, consumer goods, apartment management fees, utility bills, medical expenses, snack costs, and other expenses are not included at all... wow. In total, just breathing costs can be estimated at 4 to 5 million won. However, this standard is based on having a child, owning a home in Seoul, and having a car, but usually, the situation is much more serious than this... Buying a home with a loan under the newborn special loan program in Seoul is considered almost the highest standard. Typically, people live in villas or older apartments, paying similar or even higher housing costs with those interest rates. As a result, many young professionals and newlyweds are unable to save any money. Living in the provinces would save considerable costs, but... There are no jobs. Good companies are all concentrated in the metropolitan area. ...