The term “FIRE” stands for “Financial Independence, Retire Early” and refers to the ability to save money quickly, become an interest earner, and retire.

Theoretically, the theory goes, if you build assets 25 times your annual expenses, you can cover your living expenses with a 4% annual return on investment.

If your annual expenses are 2 million, you would “FIRE” if you build up 50 million yen in assets and invest them at 4% annual interest.

I fear that this boom will further increase the propensity of Japanese people to save, and I feel that if I have the technique to save 50 million yen by my 40s, I can aim higher, and I am not willing to go to a supermarket two kilometers away in search of foodstuffs that are a few tens of yen cheaper to save 50 million yen. I don’t know.

And at what point do people who seem to have such a hobby of saving money intend to spend the money they have accumulated?

Since you can’t touch the principal while you are healthy, that means that if you live to be 90, you can start touching the principal 25 years before that. That would mean starting at age 65. I think it takes a lot of courage for a person who has been pulling down his/her life to touch the principal at the turning point at age 65, but more than that, I think he/she misses the fact that it takes a great deal of creative ability to spend money.

Often when I meet with business owners, I ask them “Are you making a profit?” in a Kansai flair, as if in greeting. I ask the following question to a president who is making a profit. What do you do with the money you make?” Most presidents answer, “I use it to invest in my next business venture.

Japan is second only to the U.S. in the world’s ranking of financial assets by country, and at the same time, it is also at the top of the list for the highest amount of savings at death. Furthermore, it has the %と世界一高い。（因みにアメリカは40% inheritance tax in the %と世界一高い。（因みにアメリカは40% at 55. %と世界一高い。（因みにアメリカは40%

In other words, worker ants work hard to save money and do not spend it on their own fun while they are alive, but pay taxes after their death.

…. Mmm, vain.

Essentially, “money” is not something that is stocked (fixed), but something that flows (liquid).

So, I would like you to hone your technique of spending “money” for fun from your management. In Kansai, it has been said, “If you spend money on others, it will come back to you in a roundabout way. Those who are good with money can make money again. Money wants to flow.

Now, it is how you spend your money. It is how you satisfy your own desires. The other day, I heard a story about a manager who bought out his company and obtained a large amount of money. He used the money to improve himself thoroughly. That is a good way to spend money. You can spend it on your house, clothes, car, whatever you want. If the CEOs of the world spent a lot of money, the world economy would improve and everyone would benefit. That is the basic economic mechanism.

When Bill Gates of Microsoft became a millionaire in his early 30s, he begged Rockefeller to teach him how to use “money” because he did not know how to use it. That is how much skill it takes to spend money. What can be said of all wealthy people is that once they have satisfied their own desires, they always start working to satisfy the desires of others. In other words, they help others. Helping others may be the fulfillment of one’s highest desire.

I think the heart of a person who tries to be great and take advantage of others, or who is always angry, is probably in a state of frustration. To be kind to others. To be kind to others, to act kindly, is the greatest luxury to satisfy one’s own desires. Everyone is better off with money. However, according to Dr. Chihiro Hosoda, a brain science specialist, “The peak of happiness is an annual income of 6.6 million yen,” and even if you earn 30 million yen, you will not be happy.

What do we keep earning for? Let’s think about what it means to