I’ve recently committed to improving my personal finance strategy and would appreciate your insights on my current approach. Below is my case study—any feedback or suggestions would be greatly valued!
Background
Age: 29, single, no debt.
Location: Tokyo
Income: ¥5.5 million/year (gross) as a software developer.
Emergency Fund: 800k
Goals: Build long-term wealth, optimize tax-advantaged accounts, and explore strategic investing.
Since last year I was new to this so I was inconsistent

Current Investment:
- Tsumitate -> 1.1 million
- Emaxis Slim S&P 500 (80%)
- Emaxix Slim All Country (20%)
- Growth -> 500k
- Currently experimenting with individual U.S. and Japanese stocks.
- Gambling
-> 100k
- Some Cryptos