Japanese financial tips

 1.       Huge saving mentality -> investasi >10% penghasilan

2.       Discipline is a good habit -> cash > credit, 50% portofolio aset dalam bentuk deposito

3.       The importance of having your own house -> beli tanah, bangun 30-40%

4.       Appreciate small things -> mindfulness dalam pemanfaatan uang (yang benar-benar dibutuhkan)

5.       Simplicity is the best! -> function, not fashion

6.       Culture of gifting -> value over price doesn’t matter

7.       Find your ikigai -> alasan hidup, what drives you in the morning?