How to become wealthy


ENG ver.

Hello, this is Pooh-san.

This time, I would like to write about “how to become wealthy.”

In the world, there are ordinary salarymen like me, but there are also many people called “wealthy.”

How can one become wealthy?

When gathering information from books and the web, I discovered some common points.

In this article, I will introduce the basic mindset for becoming wealthy and share methods for us salarymen to get closer to wealth.

After reading this article, even people with low take-home income like me will be able to imagine actions that bring them closer to wealth.

Contents of this article:
How to become wealthy
Start investing
Maximize income
Optimize expenses
Secure surplus funds and invest

How can you become “wealthy”?

To become wealthy, it is necessary to have the perspective of being an “investor” who owns assets rather than just a worker. This is represented by the inequality “r > g.”


“r” represents the average annual return on capital (the rate of return obtained through passive income).

“g” represents the economic growth rate (the annual increase rate of income and output).

“r > g” means that the average annual return on capital continues to exceed the economic growth rate.

Applying this inequality,

Income from assets such as investments > Money earned through labor

In other words, to become wealthy, you need to adopt the perspective of an “investor” who owns assets, rather than a worker.

If you are interested in learning more about “Capital in the Twenty-First Century” by economist Thomas Piketty, I recommend studying it through books or movies.

Maximize income

The most important thing in building assets through investment is to increase the money available for investment, commonly known as “investment power.” It is simple yet challenging.

Investment is done using surplus funds generated from “income – expenses.” Therefore, it is crucial for people like me, who are company employees, to first increase their monthly salary.

It is necessary to achieve results at work, earn through overtime, or increase income by changing jobs.

In addition to the salary from employment, I think it is also important to consider earning additional income.

I am also working on creating a side business through activities such as using survey websites, utilizing loyalty points, and running a blog.

Optimize expenses

As mentioned earlier, investment is made using surplus funds generated from “income – expenses.” Optimizing expenses is highly effective.

Even if your income is above average, if your expenses are equally high, you won’t have surplus funds to invest.

There are cases where people with an annual income of 10 million yen have no savings because they increase their standard of living too much, making it impossible to secure surplus funds for investment.

Regardless of income level, I believe that the key to becoming wealthy lies in how well you can secure surplus funds.


I believe that the crucial reason for the significance of appropriate cost savings lies in this point.

To improve expenses, reducing and reviewing fixed costs is the most effective approach. In particular, insurance is often overpaid, and utility and communication costs tend to be high. However, there are options such as online insurance, reevaluating electricity providers, and affordable mobile plans. With a little effort, it is relatively easy to reduce fixed costs.

Since we tend to overlook expenses, I recommend checking your spending using a household budgeting app at least once a month.

JPN ver.こんにちは。ぷーさんです。今回は「先取り貯金」について詳しくご紹介します。お金がなかなか貯まらない、ついつい使ってしまうというお悩みを抱えている方は多いのではないでしょうか?毎月給料が入ってもすぐになくなってしまったり、ボー

Maximizing investment of surplus funds

Once you have increased your income and reviewed your expenses, it’s time to start investing.

For those who find it difficult to immediately come up with a large investment capital or lack short-term investment skills like me, long-term investment through systematic investment is a specific method to get closer to wealth.

By investing steadily as much surplus funds as possible in investment vehicles that offer an expected annual return of around 4-5% with low fees, you can steadily move towards wealth.

While the speed of asset growth is slower compared to concentrated or short-term investments, long-term investment allows for diversified investments with reduced risks, making it a recommended approach for beginner investors.

Even with a small monthly amount, you can earn dividends, and you can also expect your assets to grow snowball-style through the power of compound interest.


Of course, the more money you have to invest, the shorter the time it takes to get closer to wealth.

For example, assuming an investment performance of 5% per year, if you invest 100,000 yen for one year, it will become 105,000 yen (a profit of 5,000 yen), but if you invest 1 million yen, it will become 1,050,000 yen (a profit of 50,000 yen).

Even in just one year, there is a significant difference in returns depending on the size of the principal.

By increasing your surplus funds as much as possible, you can also shorten the time it takes to reach your investment goals.

Maximizing surplus funds and investing them as much as possible is the way to get closer to wealth.

​​​​​​​​​Investment options

Now, let me introduce the specific investment methods I am practicing.

For investments, I primarily focus on investing in mutual funds and U.S. stocks.

My investment style is long-term investing.

I don’t worry about daily stock price movements and generally leave my investments untouched.

Mutual funds

I invest in domestic and international index funds through systematic investment.

【特定口座】Specific Account
ニッセイ 外国株式インデックスファンド
ニッセイ 外国債券インデックスファンド 

eMAXIS Slim 全世界株式(オール・カントリー)

【つみたてNISA口座】NISA Account
eMAXIS Slim 米国株式(S&P500)

Reasons for choosing these investments
I choose index funds as my investment vehicles. They are cost-effective and offer stable price movements as they track stock market indices.

Purchasing method
I have set up automatic monthly withdrawals from my bank account.

I also use Rakuten points for additional purchases
I use Rakuten points to make additional purchases of mutual funds.

U.S. stocks

I engage in systematic investment in internationally recognized large U.S. companies.

Stocks I invest in

  • Intel
  • Microsoft
  • Coca-Cola
  • McDonald’s
  • P&G
  • Johnson & Johnson
  • AT&T

Reasons for choosing these investments
These are globally established and well-known companies. They have products and services that are distributed worldwide and are expected to have a stable revenue structure. Many of them have a long history of continuous dividend increases, making them suitable for long-term investments. I have explained my stock selection methods in separate articles.

Purchasing method
I use PayPay Securities and Rakuten Securities for my U.S. stock investments. I purchase stocks of the companies with the lowest allocation on my payday (25th of each month). I also reinvest the dividends.

こんにちは。かねのぷーさんです。 今回は米国株銘柄の選び方について書いていきます。 ・銘柄の選び方が分からない・・ ・銘柄選びで失敗したくない・・ 米国株投資を始めようと口座開設まではしたものの、銘柄選びで悩む方は非常に多いと思います。 この記事では私が実践している米国株銘柄の選び方を紹介しています。 ・営業キャッシュフローを軸とした財務分析による銘柄選び ・収益構造や財務基盤が強固な銘柄を選べる...
こんにちは。ぷーさんです。 前回に引き続き、米国株銘柄の選び方について書いていきます。 ・銘柄の選び方が分からない・・ ・銘柄選びで失敗したくない・・ 米国株投資を始めようと口座開設まではしたものの、銘柄選びで悩む方は非常に多いと思います。 前回の記事では、企業の財務分析による銘柄選びの方法を紹介しました。 候補となる銘柄がいくつか決まったら、次は保有する銘柄数を考えてみましょう。 保有銘柄数が少...


  • “r > g”
  • Maximize income
  • Optimize expenses
  • Maximize investment of surplus funds

In this article, I have introduced methods to become wealthy.

In a capitalist society, investors have an advantage over laborers in terms of the economy.

Therefore, it is necessary for us to take action to become investors.

On the other hand, it is true that it is difficult to immediately live as an investor because it requires a significant amount of capital.

However, while investing, if we can improve our skills through self-investment and increase our income through side jobs,

Our ability to deposit funds will increase, and we will be able to gradually increase our monthly investment amount year after year.

In this way, our assets will generate more assets, and we will gradually get closer to wealth.

Let’s start with what we can do, one step at a time.

Thank you for reading this far.

JPN ver.

JPN ver.​ こんにちは。ぷーさんです。 今回は「お金持ちになる方法」について書いてみようと思います。 世の中には私のような普通のサラリーマンがいる一方で、 「お金持ち」と呼ばれる方がたくさんいます。 お金持ちになるにはどうしたらいい? 本やWebなどで情報を集めていくと、いくつかの共通点があることが分かりました。 この記事では、お金持ちになるための基本的な考え方を紹介し、 私たちサラリーマ...