Personal Finance Blog
A Japanese salary worker's journey to 50 million yen (~$350K) in 8 years.
No flashy tricks, just steady wealth building strategies.
Kioxia ran roughly 75x from its IPO on an AI-memory boom. But that's a low-to-high theoretical number — your real return depends on entry, exit, and size. Here's why this index investor doesn't chase it.
My portfolio brushes the high ¥59M range, then slides back to ¥58M without ever crossing ¥60M. Here's the math on why a bigger portfolio moves $4,000+ a day, and why I didn't change a single thing.
A 46-year-old salaryman in Japan with ¥50M ($330K) built his own FIRE countdown app — real index data, five FIRE types, days until financial freedom. Here's why and how.
My friend just made $20K on Micron. Social media is full of people comparing index funds to AI funds over four-week windows. Here's why I'm not changing a thing.
A 46-year-old Tokyo salaryman walks through three stock sales from 2011 that turned into a $200K opportunity cost — and what finally fixed the pattern.
Final installment of my FP cert series. I failed the FP2 written exam once (passed the practical), then passed on retake. Bigger story: every major financial judgment I'd made over 8 years — keeping a mortgage, holding unhedged USD funds — was written into the FP2 textbook as the correct answer.