Year-end Net worth progress, how are you doing ?

25 comments

1. M33, income of 12-14M jpy in French manufacturing company.. started savings during COVID (I didn’t really give any thoughts on savings/investing in my 20s)..

   Started with zero in 2020, comparison at 2024//2025 end:
   – US stocks + emaxis sp500 : 9M >> 12M
   – Properties : 55M >> 100M
   – Foreign non US stocks: 10M >> 10M (took a dive and recovered.. albeit no growth).

   So basically total is 74M >> 122M.

   Properties are mostly inheritance this year and ideally I want to be liquid in stocks/bonds only eventually.

   Also feeling like my career is hitting a ceiling due to the small/mid size of the company.. been trying to switch but as a non IT/tech/finance/pharma, even with gaishi, 10M+ at 33 is definitely a challenge..

2. should have done very well but salary got crushed by weak yen.
   29M – 31M JPY

3. via a throwaway: I think I’ll be reporting a little over ¥300m on this year’s 国外財産調書, last year it was ¥252m (with no yen effect). Five years ago it was ¥110m–decent performance otherwise along the way, but a big boost due to the decline of the yen.

4. F35, married, university job around 6 mil yen before tax.
   I have around 30M in liquid assets, split roughly into thirds between crypto, global funds and gold etf. I am up 5M compared to last year largely thanks to gold rally.

   No debt, own two properties in the countryside. For 2026 we plan to do AirBnb in one of them. No kids yet, but thinking in that direction.

   Of course what I have is peanuts comparing to OP ^_^

5. Just turned 40 this year. Technically FIRED already although still doing some passion project, have yet to do complete calculation but NW up over 80 mn yen in JPY term, about 50 due to stock market/ investment appreciation and 35 or so from some windfall.

6. I have 1 million yen in savings and 500k yen in stocks. I guess that’s it. 🧍🏻‍♂️

7. M age 32.

   Household income down a bit this year since my wife stopped working. My income was 27M this year (foreign tech). Net worth around 210M or so almost entirely invested in various index funds.

   I expect my job income to perform worse next year due to crap yen. Goals for the next year include leveraging my skill set to set up alternate revenue streams since there is little to no career opportunity in tech left in this country. My wife has started foreign property investment as well so hopefully we can pull ahead soon.

   Longer term goal is to quit my job and run my own tech businesses, but it’s a long hill to climb to be able to replace my current job’s pay.

8. I’ll give this a go, I’m only planning my way forward now.

   33M, 13m Salary in Pharma. Two kids and unemployed wife.

   EU: 75000 euro (13m yen)
   Stocks from previous company. 18000 euro (3.3m)
   NISA (started last year, 50,000 a month every month, sitting around 1m)
   Cash (1.5m yen)

   Total worth is 18.5m ish.

   I’m completely at a loss as to how I should proceed with my finances and am thinking I need to seek some professional help. Not doing very good with Saving much Salary and need to identify and work on that.

   Side question: the 18000 euro stocks from previous employer were from my time at home in EU and was tax saving. I’m not in Japan (spouse of PR but Pr application submitted). I’m wondering if I got a cheque for selling those stocks would MUFG deposit it for me and how to handle any tax implications, in EU it would only be liable to CGT which is almost nothing.

9. About to turn 24yo. I’m at around ¥50M give or take. Goal for 2026 is to blow past that because I anticipate about $50k in expenses in the next year.

10. ~370M JPY NW (not including Trust Fund), 95M JPY TC (strictly from career – not including equity dividends) – Early Career (DL NLP)

    1/4 RE

    1/4 PE

    1/2 Global ETFs

    Hoping to start a family soon and then retire to consulting

11. 29m

    Last year finally got a job after my masters, 7m yen salary.

    Net worth went from 0 to 3m yen in savings! Next year plan on starting investing in NISA

12. Late 40s M, married; back-office worker in finance, making about 5MM plus another 0.6MM adjuncting some classes at a university on Saturdays. Reached the ceiling employment-wise and wouldn’t mind going into academia full-time, though there are very few openings. Wife’s income is about 1.5MM and her savings and investments are negligible – she makes about 1250 yen per hour at a 3K job, plus some home-based editing work, and I don’t want to pressure her to work harder.

    – Net worth: up by well over 20%, almost entirely from gains in the value of the stock I own. I started investing in the US with regular contributions to some T. Rowe Price 2040-50 retirement-target-date funds, and the collapse of the yen continues to send my yen-denominated NW upward even as my salary plummets in USD terms. I had committed myself to investing $12k per year in those funds, and it is getting harder and harder to save that much. Still, I have over $200k there, and that’s more than 30MM yen these days. Seriously thinking about moving to the US for a few years and realizing the gains there, in dollars as a US tax resident, rather than realizing them in depreciated yen.

    – Finally got a NISA started just a week ago, through Interactive Brokers, and am trying to fill the 2.4MM yen growth bracket over the next few days. Already have about 4.5-5 million yen there in US index funds, in an existing taxable account.

    – The selling prices of apartments in our building continue to rise, or at least the aspirational prices that sellers list them for do. I paid 14MM for ours, a 38-m^2 unit in a 1970 building in central Tokyo, right after the Lehman shock and today we see listings for 2480万 regularly. No desire to sell, but we had hoped to live in a freestanding house in the neighborhood some day and it’s looking like that won’t happen.

    – The cryptocurrency I hold with BitFlyer is worth several million yen, ~5x what I put in. Also have a decent amount in self-custody. I never trade as I’ve heard lots of stories of that company closing the accounts of Americans once they discover their nationality, and they ask for new KYC documents when you log in. No desire to have to sell for yen and pay taxes just yet.

    I’m more afraid of further inflation than anything else. As a member of the “Ice Age” generation that faced tremendous financial disadvantages compared to those who came before and after, I don’t have much leverage salary-wise so if prices keep going up, life is just going to get tougher. I know there’s no sense in lamenting it, but I really miss the Japan of the early 2000s to 2012 and even up to 2019. The working class was much better taken care of than what’s happening now.

13. Mid 30 DINK, about 45M in total income between me and my husband, although our jobs both have pretty high risks (albeit different risk profiles). My income also have pretty high variation so hard to say what next year would bring.

    450k USD (I have funds in both my home country and Japan so it’s easier to normalized to USD, although the weak yen hurts) in total household NW, and about 2/3 of that are actively invested. The rest is in home equity and a saving account for our emergency fund (the yield is so low it’s not worth mentioning, but better than 0). I surmise this estimate could be a bit on the conservative side as I don’t mark to market the home value, but I have no plans of selling so feel like it’s moot irregardless.

    For investment it’s split between US equities, JP equities and some high conviction EM play, which is where the main gains for me this year is from. It’s a historic bull market so I’d be amazed if this run continues. But anyhow, our mid term goal is to reach where OP is now, so hopefully we could get there in a few years.

14. > (sold some but gold went like +50%)

    > In 2026 I want to better invest the kids fund, and keep selling the gold.

    Maybe coming from left field, but how did you and how are you going to approach taxes on those events?

    Did you have all the original purchase receipts from the decedent, to prove long-term posession (5+ years) and original purchase price (though it likely jumped up so much it didn’t really matter to lower your taxes)?

15. PSA: only people who feel comfortable with sharing their financial situation are posting on this thread. The comments on this thread are in no way representative of the average Japanese resident.

16. This thread is seriously turning into a humblebrag circlejerk.

17. Bought a house, liquidated NISA for options, I’m back again at 1mil savings, NISA is zero.

    I can pay my mortgage so now if I did they will get a house? 😂

    But this is the last big purchase of my life, I’m in my 40s. From here just focus on savings. I hope I make it as I need good savings to finish paying my house if I want to retire.

    But hey, here we are and while the whole interest rate situation went really bad after I got my loan, not much to do.

    Plan B is to sell the house or sell the house to the bank and rent it if it gets too bad.

    I’ve never had financial education so I did what I could during all these years until I got more into it and also had money to save. I wish I knew all of this in my 20s.

    A few years ago I was afraid of what to do but not much anymore, same for my wife, we will solve it I guess, but it was important for me for my family to have a roof they own.

    Hang in there everyone.

18. Early 30s, I went from 90m to about 110m, but way too much of it was from yen weakening.

    The weak yen is really starting to sting. I have enough where I’ll be fine, but inflation+weak yen+rising RE prices makes me feel priced out of the market completely for a house in Tokyo. Haven’t found a single house where I have felt was worth it this year of looking and things are only getting more expensive.

    I have no idea how the average Japanese person gets a house anywhere in the Tokyo area. Even houses in parts of Saitama near the station are like 80-90m lol.

19. I’m not single, but my wife said I need a girlfriend who went from 160M to 213M

20. Still negative for the moment, but better than it was. In Japan, my only debt is my mortgage. In the US, it’s student loans (I went back to school to get a degree to make coming here a smoother process). I hope to pay off my house early (in about 5 more years if all goes well, quicker if my wife starts working again).

    I do have a year plus of mortgage payments in that account and enough to additionally cover the rest of my bills for several months. I also contributed the max to seicho NISA this year.

21. Not as good as I want but I never really watch my expenses.

    2 kids and a house

    6m Nisa
    1m ideco
    2m crypto
    4m cash
    4m in foreign account back home
    1m in house loan account (I usually put a bit more than the loan in case of unexpected house expense)

22. Well done or something.

23. 31F. No debts. Salary grew from 4.1M to 4.5M this year. Had savings of 1M yen at the start of the year, but lost most of it in the process of moving out of my parent’s house and setting up my place, and the rest in therapy. Started investing in NISA in July, only at 50k till now. Now that my mental health is better and I’ve a place to live, I’ll be building my emergency fund again. I’m not doing well as compared to other folks here, but I’m glad I’m alive and trying.

24. Nice Bate…

    Thanks for showing that many people on this sub are Bots/LARPs too..

25. FIRE journey is progressing well. We’re hitting JPY milestones earlier than expected due to good stock market performance and weak yen.

    Early 30s, passed 300M household NW this year (almost all of it in emaxis slim all country). Household income ~50M, 30ishM after taxes and we invest 20M of that. NW grew 50M/y for the past three years; every year I keep thinking the next will be the crash.

    My wife and I haven’t decided on a FIRE target together. If we just wanted to replace our current spending (10-12M/y) we could be there pretty soon but with one very young kid and another on the way, I think we’ll probably aim for more. Plus the market could correct any day. Regardless, we’re well-positioned to FIRE before 40 and feel very fortunate to be in that situation.

    I don’t think we’ll change anything next year: I’m a firm believer in low-cost broad market index funds and our savings rate is very healthy. If anything, we could probably spend a bit more freely

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