Articles about wealth building, investing, and saving
Eight years of index investing got me to $260K. Six weeks of FP3 study exposed real estate and inheritance tax as total blindspots. Here's what I missed.
I was up at 4am playing games. My wife suggested a financial certification instead. I started studying Japan's FP cert that day. Here's what changed.
Why I hold unhedged USD funds from Japan: fees, DCA fit, what ¥159 USD/JPY does to a $260K portfolio, and why I won't stop buying if the yen rebounds.
Can you Barista FIRE at 50 with $330K? A 46-year-old Japanese salaryman runs the full math: assets, contract income, education costs, drawdown to 90.
1 in 10 Japanese estates now hit inheritance tax, double a decade ago. A salaryman from a low-income family explains why he supports paying it.
What Barista FIRE looks like from inside Japan's salaryman culture: real numbers, real constraints, and why the math surprised me
Japanese variable-rate mortgages hide rate rises behind a fixed payment. How the two 'safety' mechanisms work, and what 80% of borrowers never grasp.
Japan began collecting a childcare support levy from every paycheck in April 2026. I ran the costs and benefits for my own household. The math surprised me.
A Japanese salaryman with ¥50M in assets breaks down education costs, school choices, and why he refuses to call it an "investment"
Why this dual-income Tokyo family of three spends ¥170K ($1,130) a month on food, twice the national average, and won't cut it. Full line-item breakdown.