Articles about wealth building, investing, and saving
Japan's Children's NISA (Kodomo NISA) launches January 2027 — ¥600K annual / ¥6M lifetime tax-free for kids 0-17. The math says splitting your contribution between adult and child NISA gives identical returns, so fill your own first. But there's one reason to open one anyway — and otoshidama is how you fund it.
8 years of index investing, $130K in unrealized gains, zero investment tax work. Here's exactly how e-Tax works and why I still file every year.
Eight years of dollar-cost averaging into US index funds with zero sells. From $2K unrealized losses to $130K in gains — the full timeline.
I check the S&P 500 at 4 AM every morning. If it's up, I stare for 5 minutes. If it's down, I close the app. My 8-year index investing routine.
Real budget of a Japanese dual-income couple: $4K take-home, $2,500/mo into index funds, $1,300 on food. Every yen exposed.
The first 3 years of index fund investing felt like nothing happened. $1,000/month, barely any growth. Then compound interest kicked in at year 5.
My peer got promoted to director — 40+ extra hours a month. I stayed put and invested instead. How building a ¥30M portfolio through index funds made promotion envy disappear, and why work-life balance won.
A frugal husband and a comfort-first wife. How opposite money mindsets helped us build ¥50 million in 8 years.
Lost ¥2 million ($14K) on a single telecom stock. The panic, the shaking hands, and how that failure led me to index funds.
Reached $350K in index fund assets after 8 years. The anxiety didn't disappear — it just changed shape. Here's how I cope.