Publisher’s Review

Even with a modest monthly salary and rising prices, what is the core secret that allows anyone to save 100 million won? The answer is: save first, spend later. Force yourself to save and restrain your spending!

This book is aimed at salaried workers who are beginners in personal finance, explaining the saving and spending methods needed to accumulate your first 100 million won.

The core philosophy of the “Money Buster” is to save first and spend later. Most people are accustomed to spending first and saving what remains. To save 100 million won through powerful savings, you must first set aside your target amount and spend only what is left. Moreover, your savings amount should increase slightly each year. As your income rises year by year, as you build saving habits, and as your savings endurance grows, saving money will become easier and easier.

The author provides concrete plans for monthly savings amounts and annual increases based on different income levels and circumstances, sharing 5-year and 7-year savings plans alongside various financial products to help you create a customized saving plan.

However, saving 100 million won in 5–7 years involves facing many obstacles, the most typical being hidden excessive consumption in daily life, wrong verbal habits, and mistaken beliefs about money. The author identifies, one by one, the bad habits that undermine saving and cause money to leak away. Saving money requires not only doing the right things but also avoiding the wrong ones. The book also provides clear standards for what percentage of income should go to each type of expense, helping readers self-diagnose and correct the habits that hinder saving.

The author emphasizes saving 100 million won but absolutely does not treat 100 million as the ultimate goal. 100 million is merely a springboard to wealth and the first bucket of capital. Therefore, the book also explains how to read the wealth trends of the era, how to grow assets from 100 million to 1 billion or 10 billion won, and real estate investment strategies—particularly apartments—that are less volatile than stocks.

If you have a goal, you must act immediately. Those who work hard will eventually meet opportunities. May you, who are giving your all for future happiness, see hope for the future in this book.

★ A new work by Kim Kyung-pil, the popular KBS financial coach known as the “Money Buster”! A 100-million-won saving method that even those with a modest monthly salary can follow—save first, spend later, with a 5-year roadmap and an advanced guide from 100 million to 1 billion won.

★ A New Work by the National Economic Mentor: Kim Kyung-pil, the popular financial coach on KBS’s Premium Salt Seller known as the “Money Buster,” has crafted a saving guide specifically for salaried workers.

★ Focused on the First Wealth Threshold: The author repeatedly emphasizes that saving 100 million won is the first threshold for Korean salaried workers to achieve economic success, and the most basic and important step toward asset-based income.

★ A 5-Year Savings Roadmap with Specific Monthly Amounts: Provides concrete plans for monthly savings amounts and annual increases based on different income levels and circumstances, sharing 5-year and 7-year savings plans.

★ Wealth Progression from 100 Million to 1 Billion Won: Not only explains how to save 100 million won but also introduces various ways to grow 100 million won into 1 billion won, as well as major wealth trends that will dominate the next 30 years.

★ Selected as a Recommended Book: Chosen as a Maeil Business Newspaper recommended book for the second week of November 2024.

A new work by Kim Kyung-pil, the popular financial coach on KBS’s Premium Salt Seller, written for today‘s salaried workers who want to become wealthy.

★★ The Money Buster’s 100-Million-Won First-Bucket Plan ★★

Kim Kyung-pil, the national economic mentor known as the “Money Buster” (a man who specializes in curing money anxiety), has released a new book. The author emphasizes that saving 100 million won is the most basic and most important first step in personal finance. He sharply punctures the mistaken saving methods, spending habits, money beliefs, and verbal habits that are common today, sharing a 100-million-won saving method that anyone—even those with a modest income—can follow.

This book consolidates the first-bucket saving secrets the author has shared on various TV programs and on YouTube, while also introducing various ways to grow 100 million won into 1 billion won, as well as major future wealth trends.

If you dream of living on asset-based income, do not hesitate—start with this book. Train your savings endurance, resist spending temptations, and when you finally have 100 million won in hand, opportunities for financial freedom will open up to you.

Kim Kyung-pil

Finance expert. Kim Kyung-pil, the financial coach known as the “Money Buster,” has become an extremely popular guest lecturer thanks to his witty and sharp presentations. In a society where financial awareness is weak and excessive consumption is widespread, he delivers positive energy to the many people seeking rational spending, earning him the title of national economic mentor.

Born into an ordinary working-class family, he successfully settled in Seoul’s Gangnam district before the age of 40 through powerful savings ability and unique financial techniques. He repeatedly emphasizes that saving 100 million won is the first threshold for Korean salaried workers to achieve economic success.

As a fixed guest on the KBS variety show Premium Salt Seller, he has also appeared on MBC‘s Please! House, MBN’s High School Parents and Worry Relief Talk, KBS‘s Good Morning Plaza, and other programs. His personal YouTube channel, “Kim Kyung-pil’s Money Buster,” launched in May 2022, has accumulated over 40 million views. He is active on both television and online platforms.

He also contributes to Shin Dong-A magazine, Toss Bank, IBK Industrial Bank, BNK Busan Bank, and others, and currently writes a column for KB Financial Group’s online magazine KB’s Thoughts. As a bestselling author, his representative works include *Kim Kyung-pil’s 2024 Frugal Money Ledger*, Save Today, Spend Lavishly Tomorrow, and I Don’t Want to Get Married, But I Want to Save Money.

Prologue: A Money Workout for You Who Want to Save 100 Million Won

Chapter 1: First, Conquer the First Threshold to Asset-Based Income: Save 100 Million Won!
New Economic Classes by Income Type
Why You Must Save 100 Million Won Even If Your Income Is Low
5 Big Changes in Life After Saving 100 Million Won
5 Mindsets That Help You Save 100 Million Won

Chapter 2: Changes You Must Make to Save 100 Million Won
10 Types of Excessive Consumption You Easily Overlook – Fix Them!
Why You Still Can’t Save Money Even After Cutting Out Those 10 Types of Excessive Consumption
4 Faulty Money Beliefs You Need to Correct
10 Verbal Habits That Block Saving
The Misconception of Dreaming of Getting Rich Through Stock Trading

Chapter 3: The Core Method for Saving 100 Million Won – Just Copy and Succeed
Achieving the 100 Million Target Even with Low Income
Monthly Salary Around 2 Million Won – Can You Really Save 100 Million?
A 5-Year Savings Roadmap for Korean Salaried Workers
Various Financial Products to Help You Save 100 Million Won
What People Who Saved 100 Million Won on a Modest Monthly Salary Did Right

Chapter 4: The Success Logic of Self-Made Millionaires
Is Wealth a Matter of Talent or Hard Work?
You Must Get on Track to Live 100% on Asset-Based Income
The 6 Core Values Self-Made Millionaires Value Most
Ordinary Retail Investors Will Never Beat Those Who Stick to Saving

Chapter 5: The Fastest Way to Grow 100 Million Won into 1 Billion Won
The Ways to Save 1 Billion Won Are Even More Diverse
Understanding the Major Wealth Trends That Will Dominate the Next 30 Years
The Future of South Korea’s Real Estate Market: The Resurgence of Apartments
The Core Factors That Determine the Value of Apartments in South Korea

Conclusion: Don’t Hesitate – Start Right Now!