I’m a 26-year-old woman, and I’ve managed to save 20 million yen.
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I don’t have anyone to talk to or ask for advice about what to do with the money, so I decided to post here.
I started papa-katsu (compensated dating in Japan) through Universe when I was 20. I’ve also tried selling underwear, working as a chat hostess, compensated dating through online message boards (without going all the way), and trial shifts at cabaret clubs. But the men I meet through Universe are the most gentlemanly, and it suits me best. It’s lasted a long time, and I feel safe and enjoy it, so I’m still doing it. (I’ve stopped the other things.)
I’ve worked hard and managed to save this much alongside my daytime job. (I’m cautious, so of course I pay my taxes.)
I’ve never really been interested in spending money, and I’m not interested in investing in stocks or anything like that either. Now that I’ve unexpectedly reached my goal, I’ve started wondering what the point is in saving any more.
If I died like this, the money would just remain in my bank account and disappear… But then again, what’s the point of holding onto it until retirement? These thoughts have been going through my mind.
I’m wondering whether I should splurge on a luxury necklace costing around 300,000 yen, or just keep saving. I’m an anxious person, but does a time ever come when you suddenly feel like spending a large amount of money?
When you’d saved a certain amount, did you treat yourself to something special?
I’d love to hear your thoughts!
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I’m Zuiki, a male member who doesn’t believe in holding on to money overnight.
I’m genuinely worried about you. Burning through ¥20 million can happen in the blink of an eye.
First, set your sights higher! And don’t blindly trust what the Ministry of Finance bureaucrats tell you, haha.
That designer necklace probably isn’t what you truly want either, is it? If you just keep saving as you are, that ¥20 million will be dead money. You need to put your money to work.
Of course, I’m not dismissing the sense of security savings can provide. Looking at your bankbook and grinning is fun too, right?
But please, use at least part of it to invest in achieving your bigger goals.
If you’re planning to support yourself through a day job alongside papa-katsu, you should invest now in things that will help you continue to be chosen as a kept partner even at 50. You could pursue a higher level of education and culture, or invest in your appearance and beauty.
If you’re planning to make a living through a day job alongside a rental-property business, study thoroughly so you won’t be taken advantage of, and make use of leverage in your investments.
There are probably all kinds of things you can do.
In any case, study hard! That’s what it comes down to.
Use your money for that purpose. Your best investment, both now and in the future, is yourself.
That’s just my opinion.
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It’s nowhere near enough. Let’s save up 200 million yen first, then enjoy life. Now isn’t the time to spend it.
If you absolutely want to buy something, I’d say real estate in central Tokyo.
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Haha (lol)
That’s a good question (lol)
I’m the type who spends money as soon as I manage to save some. So I never hold on to it for very long (lol). That’s why I’m always broke (tears).
Money loses value if you just leave it sitting there. For example, hasn’t the purchasing power of 20 million yen become just a little thinner—or lower—between yesterday and today? (lol)
I recommend putting it to work right away.
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You’ve worked really hard to build up your savings—amazing!
Personally, when I think about the future, 20 million yen still wouldn’t make me feel secure. Maybe you could raise your target a little further. Though if you asked me how much would be enough, I honestly wouldn’t know…
A 300,000-yen designer necklace could also be a nice reward for all your hard work! That’s what I say, even though I still haven’t bought myself the things I want… I keep thinking I’ll do it for some special occasion or big event, but I’ve ended up never buying anything.
So I think it might be worth buying it when you feel, “Why not?”
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