The theme this time is "The reason why the more you save, the poorer you stay for life."
To be honest, some of you might have seen this title and thought, "Huh? What's wrong with saving money?"
I totally understand that feeling. I used to be a person who loved saving money myself.
But I promise that by the time you finish reading this, your "view of money" will fundamentally change.
Nice to meet you, I'm Monalisa.
Wanting to escape from a 150,000 yen monthly income as a high school graduate factory worker, I forced myself to move to Tokyo and start a business at age 19. As a result, I built cumulative sales of 700 million yen and assets exceeding 200 million yen through SNS-based businesses.
I am currently 27 years old. Now, I share information about how to earn money and my philosophy on life for my 18-year-old self who had nothing.
Now, let me tell you the reason why "the more you save, the poorer you stay for life."
Conclusion: Don't Look at the Price, Look at the Value.
I'll start with the conclusion.
Poor people choose based on "how much will decrease," while those who become rich choose based on "what will increase."
This single difference completely divides lives.
There is a phrase that wealthy people say in unison:
"Pretend to be rich."
But I don't want you to misunderstand.
I'm not talking about being vain or forcing yourself to buy brand-name goods.
What they really want to say is:
Fundamentally change your view of money.
Trump Bet Against the Grain When Nearly Bankrupt
There is a famous anecdote about Donald Trump.
In the 1990s, there was a period when his business collapsed and he had almost no cash on hand.
Normally, you would save money and wait for the storm to pass, right?
But Trump was different. He borrowed money and continued to fly first class.
At first glance, it seems ridiculous.
But there was a clear calculation behind it.
The quality of the people sitting next to him in first class. The quality of the conversations exchanged there.
It was to "install" the standards he should hold in advance.
Trump himself talks about his comeback from bankruptcy in his book The Art of the Comeback.
At its core is the belief that "environment creates thought."
In fact, Trump achieved a complete comeback to billionaire status within a few years from that point.
The Poverty Brain Only Sees "What is Lost"
Suppose there is a 500 yen convenience store meal and a 2,000 yen set meal.
A person with a poverty brain judges like this:
"As long as it's cheap."
"It's the same once it's in my stomach."
What happens if you repeat this every day?
Your brain unconsciously starts to believe:
"I am good enough for just this."
This is dangerous. Seriously, this is the most dangerous part.
It's not a matter of the amount.
The self-suggestion that "I am only at this level" quietly lowers the ceiling of your life.
On the other hand, a person with a wealthy brain thinks like this:
What kind of nutrition will I get from that meal? How will my physical condition change after eating? Is there a return for my future self?
They aren't looking at the price. They only look at the value that comes after.
A Past of Clinging to Red Discount Stickers
I'm talking big here, but I used to have a complete "poverty brain."
When I was working at the factory, my bank balance would drop to 30,000 or 40,000 yen every time before payday.
Every time I bought ingredients with red discount stickers at the supermarket, I would check the receipt. Lunch was two rice balls and a cup of noodles.
Even though I was saving, I wasn't accumulating anything at all.
Looking back now, it's obvious.
No matter what you cut from 150,000 yen a month, there is a limit to what can be cut.
But back then, I didn't realize that.
I was convinced that saving was the "smart way to live."
I believed that reducing expenses was something I could do, rather than increasing income.
But there was a moment when that thinking completely shattered.
Immediately after I quit the factory and my income became zero, all I had left was three months' worth of rent.
In that situation, I applied for a 300,000 yen consulting program.
From the outside, I think it looked like a completely stupid decision.
But for the first time, I came into contact with the "thought process of people who move millions of yen a month."
And three months later, I earned 4.5 million yen. I can say for sure that without that spending, I wouldn't have the numbers I have today.
The Answer to "Isn't That Just Extravagance?"
Some people reading this might think, "Wait, in the end, isn't that just wasting money?"
That feeling is normal.
But there is only one difference between waste and investment.
It's only "what changed afterward."
1 million yen spent on gambling and 1 million yen spent to raise your standards are completely different things, even if it's the same 1 million yen.
So, how do you distinguish between spending for vanity and investing to raise your standards?
The criteria for judgment is simple:
After spending, did your thoughts or actions change?
If you stay at a luxury hotel and end it with, "As I thought, this is a world that has nothing to do with me," then it's spending for vanity.
If you start thinking, "What should I do to become a person who fits in this space?" then it becomes an investment.
Do It Starting Today. Just Once a Month is Fine.
So, I'll talk about specifically what to do to become rich.
Just once a month is fine. Try spending at a level one step above your income level.
Try drinking a 1,500 yen cup of coffee. Try riding in a Green Car (first class) once. Try making lunch 3,000 yen.
The size of the amount doesn't matter.
Intentionally creating "experiences of touching the world above" is the first step.
Touch top-tier atmosphere. Receive top-tier service. Place yourself in a top-tier space.
Then your brain will unconsciously start to think:
"Maybe this is my standard."
People cannot make a reality out of a world they don't know.
Only those who have known wealth beforehand start to think:
"How can I become a person who fits in this world?"
From that moment, your words change. Your choices change. Your actions change.
Saving Can Only Protect Today
Look at "value," not "price."
Look at "what comes in," not "what isn't there."
From that moment, a person begins to change into someone who gradually becomes wealthy.
Saving can only protect today. If you don't change how you earn, the things you protect will never increase for the rest of your life.
Will you choose based on "how much will decrease" today? Or will you choose based on "what will increase in the future"?
You are free to decide your future.
Finally.
I am sharing what I learned from my experience of climbing up from age 19 like this for my 18-year-old self.
I want to change my current income. But I don't know where to start.
For those who think that way, I share reproducible stories for individuals to easily break through using SNS.
To be honest, this story is just the beginning.
Even if I say, "Change how you earn instead of saving" or "Install the wealthy brain first,"
I think what you want to know most is specifically what to do and in what order.
Monalisa has walked this kind of life:
- Started as a high school graduate factory worker with 150k yen monthly income
- 19 years old, saving money with red-sticker discounted food
- Applied for 300k yen consulting with only 3 months of rent on hand
- Earned 4.5 million yen in 3 months of starting a business
- Moves 10 million yen a month with SNS consulting
- 8 years of cumulative sales of 700 million yen and assets over 200 million yen
I have experienced all of this.
How did I climb up from 150k a month? What did I discard and what did I choose to create 200 million in assets from zero? And what should you do starting tomorrow to change the digits of your income?
I will pour out that specific path as it is in "Monalisa's Monetization Atelier."
[Click here for "Monalisa's Monetization Atelier" [Join the OpenChat]](https://line.me/ti/g2/vmFddpW21vbjJBAiGOeKG2KicPC_9sIy38Bviw?utm_source=invitation&utm_medium=link_copy&utm_campaign=default
Since it's a community that has just begun, there is an early adopter advantage if you join now.
It's not just pretty words; I believe there is a realistic roadmap for rising up that only I, who climbed up through the mud, can convey.
For those who, like the old Monalisa, feel their income isn't rising and keep trying to fool themselves with saving, just participating will broaden your perspective.
[Click here for "Monalisa's Monetization Atelier" [Join the OpenChat]](https://line.me/ti/g2/vmFddpW21vbjJBAiGOeKG2KicPC_9sIy38Bviw?utm_source=invitation&utm_medium=link_copy&utm_campaign=default
Thank you for watching until the end.
Monalisa.
References
- Donald J. Trump, The Art of the Comeback (1997, Times Books) — An autobiographical business book where Trump discusses his recovery process from bankruptcy in the 1990s.
