Why can't assets alone make you rich?
Why can't assets alone make you rich?
Without a certain amount of assets, you cannot obtain asset income. However, just having assets does not generate asset income.
To achieve financial freedom, we need to look at the flow, the "income."
✅ Remember when you started working
I didn't have any assets, but I could live if I had income.
⚠️ even if you have 100 million yen, what if you have no income?
If you withdraw 300,000 yen per month, your assets will run out in about 27 years. It is a heavy psychological burden to see assets that are decreasing every year.
📉 strength will surely decline.
When you're in your 40s or 50s, you're not going to be able to work the same way you did when you were in your 20s. You need to cover that falling physical strength in a way that you can use your assets to generate income.
💡 labor into asset income
From a young age, one assumes that one's workforce will decline in the future, saving a portion of one's income and turning it into an income-generating investment.
📊 example
・ Index investment: Assets 50 million yen × 5% = 2.5 million yen per year
· Real estate investment: Own fund 10 million yen → annual CF 2 million yen
We will create a state where there are assets and income generated from them. This is the path to economic freedom.
The Asset Formation Index Investment The real estate investment The economic freedom Property income
私自身も資産形成を始めた時は、ただ資産額を増やすことだけにとらわれていました。しかし、実際に働けるうちは収入が生活の柱であり、資産収入はそれを支える重要な役割であると気 づきました。特に年齢を重ねるにつれ体力や気力が落ちてくるため、資産から自動的に収入が生まれる仕組みづくりが不可欠です。 例えば、インデックス投資による年間リターンは安定的な副収入となり、生活費の一部に充てられます。私の場合、毎月少額の積立投資から始め、資産がある程度増えた段階で不動産投資も検討し、キャッシュフローを確保しました。これにより資産を切り崩す心配がなくなり、心理的な安心感が得られました。 また、資産があるだけで安心せずに、常に学び続けることやパートナーとの対話を重視することも大切です。市場の変動やライフステージの変化に応じて適切に資産配分を見直し、収入の流れを止めない工夫が必要です。こうした取り組みを通して、経済的自由とは単に資産が多い状態ではなく、収入の流れを整え、心のゆとりを保ちながら豊かな生活を送ることだと実感しています。
