Sorry for the multiple posts. USD/JPY has broken past 133 yen.
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I started papa-katsu (compensated dating in Japan) at 17, and it’s already been seven years. I’m just a little short of having ¥30 million in savings. I’m ashamed to admit that I have a tendency to spend too much, so I accept any criticism that this is a small amount for seven years of papa-katsu (compensated dating in Japan).
Is it really okay to just leave this ¥30 million sitting in my bank account? I don’t have the courage to invest, but should I be doing something to manage my assets? Should I start with filing a tax return?
I don’t have a papa (a male supporter) I can ask about this in detail, so I’m posting my question here.
👤Asked byGuest👩GenderFemale🎂20s👑Universe female member
It’s definitely a matter of managing it wisely.
Money loses value over time, after all. Thirty million yen tomorrow isn’t the same as thirty million yen today, haha.
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Leaving it sitting in a bank account probably won’t earn much interest.
But if you have ¥30 million in savings, you could consider your retirement fund taken care of and just work a regular job.
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Hopefully, a papa (a male supporter) you can really talk things through with will come along soon, and you’ll be able to graduate from the search for a papa.
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A few years ago, I would have filed my tax return and then invested in U.S. stocks (ETFs) in dollars.
My assets have grown considerably through this approach.
That said, I imagine beginners may feel uneasy converting a large sum into dollars all at once, so wouldn’t it be better to stick with yen and use something like a NISA investment plan? Investing in dollars is fine too, but as long as you invest gradually, it shouldn’t feel as intimidating.
P.S. I revised my answer to be more cautious because I don’t want to give irresponsible advice about investing. I hope you understand.
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People are free to use their money however they want, so I don’t think it’s fair to criticize them.
First, you should file your taxes.
I think it’s a bad time to start investing.
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