Finance and Mindset Blog by Ryu Aomi

Last year, I decided to save money by working at a resort job for two years, starting with 100,000 yen on hand. I wanted to see if I can save money without having a special skill and the results have been better than I intended. If I make sure I have money on a surplus at the end of the month, I'm on the right path. The one habit that led me not to worry about money anymore When I started to have some spare money, I started to invest the money. In this post, I will talk about what I learned about long term investing, the main benefit, and the results so far. 30,000 JPY to invest We already know from the best seller book, " The Richest Man in Babylon ," taking 10% of your income to invest to become wealthy long term. This basically forces you to have a surplus every month. I went on to read more finance books, but I still think that's the best answer. Investing 10% to 25% of your take-home pay brings good results over the long run. How much do I need? I didn't real

  I seem to be doing a lot better with money now. Some people make a lot of money but are always short of money, while others make less but manage to get by pretty well. I've lived my life without paying much attention to money, putting priorities towards curiosity and experience over saving. During Covid, finance was very stressful and I realized I need to better manage my finances.  Come to think of it now, there is just one habit I made sure I stick to that helped me to grow my bank account every month. It's obvious but so many people including myself just a few years back couldn't do. And I want to share my experience wih you. End each month with a positive balance Nothing fancy but it's so true. Credit cards are the worst thing because it distracts you from making sure you end the month with a positive balance. The rewards, the cash backs... If you can really control it, then it might be better to make full use of them. But my bank account is in better shape withou

  I was initially writing this blog in Japanese, but I seem to have a lot more audiences outside of Japan. I decided to write my future posts in English!! So, in this post I want to introduce myself and organize what I want to explore in this blog. About me I was born in Japan and grew up in the Bay Area, San Francisco, California. My family background is in banking, editing, and trading, and that's basically what I've been doing as well. My father led me to start investing when I was in highschool. I worked for a private bank in Singapore after graduating university, and went on to become a writer and translator to pursue a less stressful path with more autonomy. After Covid, I realized my passion is in food, so I started traveling countries considered to have a rich food culture. ＊I also run a food blog here . I started from Southeast Asia in Malaysia, Thailand, Indonesia, and Vietnam, and I'm now in Japan where I am from, exploring the different food culture here.  I wil