A few years ago, I was truly terrified of spending money.
Back when I was a nurse, living on a take-home pay of 230,000 yen.
I managed my monthly expenses down to the single yen, thinking only about "how not to spend."
My cosmetics were only cheap drugstore brands.
Lunch was always a bento under 500 yen.
Drinking parties were limited to twice a month.
Despite working so hard to save,
I could only put away
20,000 to 30,000 yen a month.
Then one day, I realized something.
Even if I continued this pace for 10 years, my savings would only be 3.6 million yen.
By my calculations, I would
never reach the 20 to 30 million yen needed for retirement.
"If you only protect, it will never increase."
This was the
most important fact
I realized in my 30s.
The Trap People Fall Into When They Are "Afraid to Spend Money"
In Japan, there is a culture where "frugality" is
considered a virtue.
"Don't waste money."
"Endure what you want."
"Savings is justice."
None of these are entirely wrong.
However,
the assumption that "spending money = evil"
is the biggest cause of poverty.
People who are afraid to spend money repeat these behavioral patterns:
- Buying books is a waste, so they study for free on YouTube.
- Seminars are expensive, so they keep scouring for free information.
- They think about starting a side hustle, but postpone it because of initial costs.
- "I'll start once I've saved a bit more" continues for years.
As a result of accumulating these
"choices not to spend money,"
nothing changes no matter how many years pass.
They are so desperate to protect what they have
that they completely forget to increase it.
And 10 years later,
they regret standing in the exact same place.
"1 Million Yen Saved" vs. "1 Million Yen Invested in Yourself" 10 Years Later
Even with the same 1 million yen,
the outcome 10 years later is completely different depending on how you use it.
1 million yen in the bank: At an annual interest rate of 0.001%, it becomes about 1,000,100 yen in 10 years.
Amount increased: Only 100 yen.
1 million yen invested in yourself: If you acquire skills and your income
increases by 50,000 yen a month, that's a 600,000 yen increase in a year.
That's a 6 million yen increase in 10 years.
Using the same 1 million yen,
a difference of 100 yen versus 6 million yen is born.
This is called "opportunity cost."
It refers to the "lost profit"
by choosing not to spend money.
People who kept protecting 1 million yen by saving
might have actually been throwing away 6 million yen.
The choice "not to use" actually carries a cost.
People who are afraid to spend money
completely fail to see this "opportunity cost."
Which is the "Smarter Choice": RIZAP or ChocoZAP?
Let's look at a concrete example.
ChocoZAP at 3,000 yen a month.
RIZAP at 33,000 yen a month.
Looking only at the price,
ChocoZAP seems like the smarter choice.
Because it's a 30,000 yen difference per month.
But what are the actual results?
ChocoZAP: Over 80% of people who join become "ghost members" within 3 months.
RIZAP: The psychological pressure of paying a high price helps you continue.
A dedicated trainer teaches you the shortest route using the correct methods.
ChocoZAP, where you pay 9,000 yen over 3 months for zero change.
RIZAP, where you pay 99,000 yen over 3 months and your body changes.
Which one is the real "waste of money"?
The answer is obvious, right?
The Difference Between Real Self-Investment and Waste
I want to say one important thing here.
"Self-investment" and "waste" are completely different.
Real self-investment = Something that generates more profit than that in the future.
Waste = Something that ends with consumption.
Common patterns of "calling waste self-investment":
- "Travel is self-investment because it broadens my horizons."
- "Working at Starbucks is self-investment because it increases motivation."
- "A brand-name bag is self-investment because it gives me drive."
These are all just waste.
Waste is necessary in life,
but calling it self-investment is wrong.
Real self-investment is
when the money spent
leads specifically to future income.
Learning a skill.
Acquiring correct knowledge.
Learning directly from someone who is already earning.
This is self-investment.
The Way Earners Use Money is Fundamentally Different
Since I started
earning from a side hustle,
I've noticed something.
People earning over 1 million yen a month
all spend money on self-investment.
10,000 to 20,000 yen a month on books.
Courses for skill-upgrading.
Consulting fees for mentors.
Paid communities.
Earners don't just protect money;
they use it to grow it.
Conversely,
people who don't change for years
keep looking for "ways to learn for free."
Free YouTube.
Free blogs.
Free SNS.
You can get information.
But
"an environment where you can take action"
and
"the correct order"
are hardly ever available for free.
Free information
lacks a "systematic order."
It cannot be "applied to your specific situation."
It lacks a "mechanism to prompt action."
That's why no matter how many years you study,
you end up never taking action.
I changed when
I gained the "courage to spend"
When I was a nurse
trying to start a side hustle,
I stopped many times.
"It costs initial fees."
"It's a waste if I fail."
"Let's study for free first before starting."
That "studying for free first"
lasted for 2 years before I knew it.
For 2 years,
I watched tens of thousands of free videos,
read hundreds of free blogs,
and nothing changed.
At one point,
I made up my mind to pay
and learn the correct way to do an SNS side hustle.
I was scared at first.
"I might fail again."
"I might be getting scammed."
But I made my first profit in 3 months.
In 6 months, I exceeded 100,000 yen a month.
It's been 4 years since then.
Now I earn over 700,000 yen a month from my side hustle alone,
and my assets have reached 40 million yen.
By paying money, I became serious.
I was able to move in the shortest time with the correct method.
Because I had the courage to spend money then,
I am where I am now.
Let me be honest here.
I am now giving away for free
what I learned to reach a 700,000 yen monthly side income from being a nurse/office worker.
I'm doing it for free because I want you to know "correct knowledge" first.
Before you spend money,
I want you to know what is correct.
Then, I want you to judge for yourself whether it suits you.
You can receive all the SNS side hustle know-how I've built over 4 years for free.
- X Algorithm Strategy
- Affiliate mechanisms beginners can start right now
- "Templates" for viral posts and how to adapt them
- How to choose projects to reach 5,000 yen a month in the shortest time
Getting knowledge first is the first step of correct self-investment.
↓
https://lin.ee/l1cXDqh
Have Just One "Standard for Spending Money"
Finally, I'll give you one standard you can use starting today.
Before you spend money,
ask yourself this question:
"By using this, will my income increase one year from now?"
If you think it will, it's an investment.
If you think it won't, it's consumption or waste.
That's all you need.
Saving is important.
Frugality is also important.
But if you continue "only protecting"
in your 30s, you will continue to regret it
for the remaining 50 years of your life.
Today, I want you to choose
just one "way to use money for growth."
The courage to spend money
will be the first step to changing your life.
