I've identified the common practices among individuals in my circle who have built personal assets worth hundreds of millions. Here is a summary.
Here they are.
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① Build income sources beyond your main job
Specifics: Don't rely solely on salary from a company; always try side hustles. Examples include SNS management, content sales, sales agency work, affiliate marketing, and AI-utilized businesses.
Starting with ¥30,000/month is fine. The key is accumulating the experience of "earning money through your own power." Grow income from ¥30k → ¥100k → ¥300k.
② Choose jobs without an income ceiling
Specifics: Select work where rewards increase based on results, not just fixed salaries. For example, challenge yourself to a business that yields ¥100,000 profit per deal rather than a ¥300,000 monthly salary job.
Fixed salaries aren't bad. However, to build significant assets, it's crucial to have a system where your results directly link to income.
③ Position yourself in profitable markets
Specifics: Choose markets where money flows, not just what you like. Examples: AI, B2B services, finance, education, beauty, IT.
Even with the same labor hours, profits vary greatly depending on the market entered. Research market size, customer budgets, profit margins, and growth potential before entering.
④ Concentrate time on high-earning activities
Specifics: If spending 3 hours daily on side hustles, prioritize actions directly linked to revenue.
For example, if using SNS for lead generation, focus time on post creation, product design, and sales funnel improvement. Prioritize revenue-generating tasks over spending hours perfecting logos or business cards.
Being busy and earning are different things.
⑤ Acquire influence
Specifics: Start broadcasting information on X, Instagram, YouTube, Threads, etc. Pick one theme and broadcast valuable info daily.
Even with few followers, expertise and trust can lead to product sales, lead generation, hiring, and business partnerships.
Influence isn't just follower count; it's "the ability to positively impact people's decision-making."
⑥ Associate with people who earn more than you
Specifics: Enter environments where people have already achieved your goals.
The information gained from daily conversations differs between an environment where ¥300k/month is normal vs. one where people achieve ¥3M/month.
Review your relationships and communities to change your baseline standards, time usage, and mindset toward business.
⑦ Find a mentor and learn thoroughly
Specifics: Instead of wandering alone for years, learn from those who have already produced results.
For example, if you want to earn ¥1M/month via SNS, analyze the lead generation, product design, and sales methods of someone with actual track records.
Verify reproducibility and teaching quality, then practice what you learn. First understand success cases correctly, then add your own improvements.
⑧ Buy time with money
Specifics: Outsource or automate tasks you don't need to do personally.
For example, if spending 10 hours weekly on video editing, consider outsourcing. Consider automating admin/data organization with AI.
If using freed-up 10 hours for sales/product development generates profit exceeding outsourcing costs, that money is an investment, not just an expense.
⑨ Handle high-ticket products
Specifics: Consider businesses yielding ¥100,000 profit per deal, not just stacking ¥1,000 profits 100 times.
Examples: B2B support, specialized consulting, educational services, high-commission performance-based deals.
Providing value commensurate with price is a prerequisite. Design business models securing profit with fewer customers.
⑩ Master selling skills
Specifics: Study marketing, copywriting, and sales.
No matter how excellent the product, it won't sell if no one knows it exists.
For example, gather prospects on SNS, build trust with free content, and propose products solving their problems.
Selling skills are lifelong assets for employees and executives alike.
⑪ Abandon perfectionism and act
Specifics: Don't study for months before starting; launch small into the market first.
For example, if selling on note, you don't need a 100-page textbook initially. Research needs, sell small valuable content, and check reactions.
Better to execute at 70% and improve than keep preparing for 100%.
⑫ Check numbers daily
Specifics: Record sales, profit, leads, conversion rates, and average order value.
For example, if monthly sales are ¥3M but profit is only ¥300k, review the business model.
Check numbers weekly to analyze what drives profit. Make decisions based on data, not just intuition.
⑬ Shift from consumer to producer
Specifics: Don't just watch YouTube for 3 hours; make one video. Don't just scroll SNS; broadcast yourself.
Don't just buy others' products; experience creating your own.
Entertainment is important, but consciously create time that doesn't end in consumption if you want long-term income growth.
⑭ Distinguish waste from investment
Specifics: When spending, ask "What value does this bring to my income, time, health, happiness?"
For example, luxury goods bought for vanity vs. computers boosting productivity serve different purposes.
Reduce low-value spending and allocate money to high-value items instead of saving everything indiscriminately.
⑮ Don't raise lifestyle too much as income grows
Specifics: Even if income rises from ¥300k to ¥1M, don't increase living expenses proportionally.
If income increases by ¥700k, reinvest part into business or asset formation.
High monthly income means little if spent entirely each month; assets won't grow.
Key is not just income size, but how much earned money you retain.
⑯ Grow earning power before increasing investment amounts
Specifics: Don't aim for lottery-style investment wins; first increase monthly surplus funds.
For example, investing ¥1M at 5% annual yield gives ¥50k profit/year. But consistently earning ¥100k/month via side hustle yields ¥1.2M/year.
Investment returns aren't guaranteed, and small regular investments are good to start early. But when capital is low, enhancing earning power has greater effect.
⑰ Reinvest earned money
Specifics: Once earning ¥300k/month via side hustle, use part to grow the business rather than spending all on leisure.
Examples: Ads, outsourcing, AI tools, product development, skill acquisition.
Once a system earning ¥300k/month is established, think about scaling to ¥500k or ¥1M. Verify ROI and recoverability before reinvesting.
⑱ Create systems generating revenue without your labor
Specifics: Gradually shift from labor-dependent businesses to system-driven sales.
For example, systematize SNS lead gen, optimize purchase flows, automate parts of customer service.
Start by working hands-on to earn. Then standardize operations and delegate to people/systems.
Goal: State where labor hours and income aren't perfectly proportional.
⑲ Cultivate multiple income streams
Specifics: Once one business stabilizes, use its profits to nurture another income source.
For example, use SNS agency profits to develop proprietary products. Further invest surplus in stocks/bonds.
Expanding too broadly initially risks failure. Nurture one business first, then expand.
⑳ Make money work for you
Specifics: After securing emergency/tax funds, consider long-term, regular, diversified investment.
For example, utilize NISA to accumulate low-cost global equity index funds.
Hypothetically, ¥10M compounded at 5% annually for 20 years becomes approx ¥26.53M (ignoring taxes/fees).
Real investments carry downside risk, but connecting business/labor earnings to asset formation is crucial.
㉑ Prioritize long-term assets over short-term pleasure
Specifics: Distinguish between enjoying today and enriching your future self in 5 years.
For example, spend 2 hours daily scrolling SNS vs. acquiring skills leading to future income.
Small daily differences compound into large gaps over 1, 3, 5 years.
Becoming wealthy requires not momentary effort, but sustained action of earning, protecting, and growing.
