divre-life

What You’ll Learn from This Article ✅ How to reach 50 million yen (semi-wealthy status) in just 3–4 years✅ A realistic wealth-building strategy that even an ordinary salaryman can follow✅ A detailed simulation of investment amounts, returns, and dividend growth✅ How to manage risks, including market crashes and dividend cuts “Could I do this too?”By the time you finish reading, you’ll have a clear picture of how this strategy works! Introduction: Can an Ordinary Salaryman Really Build 50 Million Yen in Wealth? When people hear “50 million yen in assets” (semi-wealthy class), they often assume it’s only achievable for high-income ...

Before Investing, I Was 100% Focused on Saving After graduating from university, I worked in the service industry, earning less than 200,000 yen per month. Despite this, I managed to save nearly 10 million yen (around $70,000) in just six years. The key to my success was living at home and following a strict saving rule. I limited my monthly personal expenses to 30,000 yen ($200), putting everything else into savings. Instead of focusing on making more money, I first mastered the art of saving. Later, I used my savings to start investing and growing my assets. Now, in my ...

1. Introduction | Reviewing This Week’s Asset Performance and Investment Strategy Last week, despite market volatility, my portfolio remained relatively stable.This week, we’ll take another deep dive into total asset movement, dividend earnings, and the impact of market trends to keep our investment strategy sharp. One key focus this time: "How to Use Dividends Effectively."While reinvesting dividends is the standard approach, we’ll explore alternative ways to utilize them for enhancing lifestyle and financial security. Let’s dive into this week’s asset report! (Check out last week's article here!) 2. Total Asset Trends and Analysis (1) This Week’s Total Asset Movement This ...

[In-Depth Guide] Balancing Aggressive Investing and Emergency Funds for Financial Success Introduction When building wealth through investing, a common question arises: How much emergency fund should I keep? As investment portfolios grow, many investors begin to wonder:"Wouldn't it be more efficient to allocate more capital into investments rather than keeping cash?" While taking on more risk can accelerate short-term gains, it also introduces instability and potential long-term pitfalls. Through my own investing journey, I’ve come to recognize the crucial importance of maintaining emergency funds and striking the right balance between investing and financial security. In this article, I’ll dive into: ...

Managing Household Finances in the Era of Rising Mortgage Rates Recently, there has been a lot of news about rising mortgage interest rates. In particular, the Bank of Japan’s decision to increase rates by 0.5% has raised concerns for those with variable-rate mortgages, as it may lead to higher monthly payments. In this article, I’ll explain how to prepare for the reality of rising rates and share how my family is handling the situation. 1. Impact of Rising Interest Rates 1.1. The Bank of Japan’s Interest Rate Hike and Its Impact The Bank of Japan raised its policy interest rate ...

The COVID-19 Crash and the Investor’s Test: Lessons Learned from a Historic Market Downturn In 2020, the COVID-19 pandemic caused unprecedented global economic turmoil, presenting a major challenge for investors worldwide. As the markets plunged and circuit breakers were triggered repeatedly, I faced a pivotal moment as an investor where my ability to remain calm was truly tested. In this article, I’ll share my raw emotions during that time, a comparison to past market crashes, and the invaluable lessons I learned from this experience. If you haven’t already, I recommend checking out last week’s article: Chaos on the Day of ...

Welcome to my blog, where I share my journey of leveraging dividends to create financial freedom and life choices as a factory worker. Last year, I achieved a milestone: earning ¥19 million (after taxes) in dividends. But this is just the beginning. By combining dividend investing with side hustles, certifications, and skill-building, I’m striving for even greater financial security and opportunities. In this post, I’ll share specific strategies for managing risk while increasing income and expanding life’s possibilities. The Freedom Created by Dividend Income As a factory worker earning an annual salary of approximately ¥5 million, balancing finances with a ...

Rural vs Urban: 5 Key Facts to Know Before Choosing to Buy a HomeJanuary 27, 2025 Owning a home is one of the biggest decisions most people make in their lives. In rural areas, the mindset that "homeownership is the norm" remains deeply rooted. However, I currently choose to rent. This decision is largely influenced by the perspective I’ve gained through investing—viewing a home through the lens of asset value. In this article, I will delve into why I lean toward renting, discussing the realities of rural real estate markets and incorporating an investment-oriented viewpoint. By sharing concrete data and ...

Weekly Asset Management Report: Growth Rate, Dividends, and Reinforcement of Reinvestment Progress Overview of the Week This week, our overall portfolio performed steadily, with consistent dividend (distribution) income contributing to financial growth. A portion of these dividends was reinvested, further strengthening the cycle of wealth accumulation. In last week's report, "Enhancing Life with Dividends of ¥158,175 | Asset Management Report for Week 3 of January 2025", we discussed how dividends have been used to improve our quality of life. This week, the positive impact of this approach has continued, as reflected in the progress of total asset growth, detailed dividend ...

My Journey with Dividends In 2019, I began implementing a dividend reinvestment strategy in earnest, starting with approximately ¥100,000 in annual dividends. Fast forward to 2024, and that amount has grown nearly twentyfold to ¥1.9 million in just five years. The key to this growth? Relentlessly reinvesting my dividends. By maintaining a frugal lifestyle and focusing on building my wealth, I was able to achieve this remarkable progress. Recently, however, I’ve started to consider not only “growing” my dividends but also “enjoying” them. Exploring how to use dividends has opened up new possibilities in my financial journey. For those just ...