The recent decline is quite something, isn't it (^_^;)
Yesterday's Nikkei was 'Oh!'
It was a bit unsettling.
What is effective in such a market is,
[Diversified investment].
Sector diversification, time diversification, international diversification,
and also asset diversification into Bonds and A-REIT ETF.
It is quite effective, but,
it is not diversification in the true sense.
The diversification I think of,
I would like to talk about 【Diversification】.
Diversification Investment
① Diversifying investment in the main business
② Diversifying investment in side businesses
③ Diversifying investment in health
④ Diversify investments in human relationships.
⑤ Diversify investments in hobbies.
※ Explanation
①② It means to increase income and invest in human capital. When income increases, the risk tolerance rises, and one can withstand sudden drops in stock prices.
To improve human capital, to live a satisfying life, and to avoid failure in investments, physical and mental health are essential.
Loneliness is the greatest poison for humans. Building an overloaded network is also toxic, but establishing appropriate relationships leads to mental stability.
A hobby that can absorb you to the extent that you forget about investing is beneficial. Exercise is recommended. It can also improve health. For beginners, a light walk is good.
Having multiple things that can captivate and distract from investment in a broad sense can make sudden drops in stock prices unbothersome. In short, setbacks and failures in investment impact people...

After practicing Downshift [DS],
I've been doing simulations almost every day recently.
The average monthly income including bonuses is
0.3 million yen. Considering reducing this to half, 0.15 million yen.
I am thinking of cutting it down.
Honestly, at this timing, [DS] is
There is some damage to the Assets.
Of course, it won't be fatal.
In order to reduce the damage to Assets
various strategies are necessary.
Utilize Dividends as income from Assets.
Review subscriptions.
Review preferences for sweets, ETC.
Sell personal Autos　　*Conditions apply.
⑤ Early repayment of loans *subject to conditions.
Items ① to ③ are easily possible. Item ④ will be considered based on the labor conditions of the new employment. Item ⑤ will be considered if there is a surplus in the amount of the retirement bonus. It is all conditional. If it can be implemented, significant cost cuts can be achieved.
Even so, the savings will likely decrease considerably. Although it is painful for someone who has been accumulating and increasing Assets until now, I believe that this pain and difficulty will turn into hope.

This time, as much as possible, I will talk about.
To downshift the ultimate 【DS】.
It is quite an edgy approach.
However, to accomplish this,
a considerable amount of determination and a mental shift
are essential, and it is not something that will appeal to everyone.
Let’s observe this with that understanding.
The ultimate way to do 【DS】.
1. Earn as little money as possible.
Earning money usually comes with taxes. Under Japan's tax system, there is a progressive tax rate, meaning the more you earn, the higher the tax rates become. If annual income reaches several tens of millions of yen, the tax can be as high as 55%.
If aiming for the ultimate 【DS】, it is recommended to earn as little money as possible. Conversely, only earn the minimum amount of money needed to live. This way, taxes will also be kept to a minimum.
② Try to spend as little money as possible.
・When spending money, it's best to keep it to the bare minimum. This is because not only when earning but also when spending, there is consumption tax applied. *If it's a bare minimum income, there will inevitably be a bare minimum consumption.
In addition to consumption tax, there are other additional taxes incurred when spending money, such as alcohol tax, Tobacco tax, vehicle tax, and property tax, which are ongoing costs after spending. It is also necessary to reduce these as much as possible....

It is like water.
It means that wonderful things, a balanced state, and good things take on the form of water. Water has no shape. Its form changes depending on the container. It is a being that constantly changes between gas, liquid, and solid.
Applying this to investment, if the Assets portfolio is always fluid and continuously changes, it becomes possible to have investments that are as good as water.
Such feats are impossible for the average individual investor. The closest thing to this is likely index investing. The index automatically maintains the portfolio based on the current Market Cap.
※On a personal note, I have strayed from a water-like Assets portfolio (^_^;) I plan to shift a bit from index investing to individual stocks next year. The index is very good.
That said, I want to include more assets from Sectors that have both High Dividend and high growth. With such desires, I keep drifting away from a water-like portfolio. It's troubling (^_^;)

*Tribute
We are not tools of the company or anyone else. Although we could only express ourselves through work, we have always worked with our own will.
*Original text
We are not tools of the government or anyone else. I was only able to express myself through fighting, but I have always fought with my own will.
Action Gaming Metal Gear Solid, a famous quote from Gray Fox.
I do not intend to deny the act of working. I am not in despair over the act of working either.
However, I absolutely refuse to degrade myself to being a tool, a pawn, or a cog for a company or anyone else. If I were in such a situation, I would indeed be in despair.

I would like to ask everyone.
Assuming one can only live for today,
If one were to die tomorrow,
What is the maximum amount of money that can be spent?

Investing is...
Don't strive, enjoy.
Life is also...
Don't strive, enjoy.
Someone like you is...
It is okay not to be excellent, just be kind.

Those who are forming Assets and investing.
For better or worse, they are conscious of money.
Because they are conscious, they are diligent.
Repeating trial and error,
Implementing PDCA to achieve improvement.
That is why,
Continuously able to generate profits.
Awareness of Money
When this becomes excessive, it turns into Attachment.
It will be.
When there is attachment,
An intangible sense of unease strikes.
What should be done if a big loss occurs?
What should be done if a failure occurs?
The feeling of unease is the cause of incorrect determination and actions.
Attachment should be discarded.
◎ How to discard attachment?
• Money is an important thing, but it is not an absolute thing that determines all value. Continue to hold that belief.

The flow of the world economy, the flow of countries,
The natural ecology of humans, the laws of the universe,
An unpredictable and uncertain future.
Do not go against absolute laws.
Do not resist the absolute flow.
The more you resist, the more painful it becomes.
The less you resist, the less tired you will be.
Difficulties and fatigue do not last.
It's easy to fail.
Instead of going against the current, or resisting,
it's best to absolutely follow the laws and flow.
Do not resist absolute things.

Humans are greedy.
I want a little more money.
I want a little more income.
Just a little more, just a little more.
There is no limit to just a little more.
Money is a piece of paper that can be exchanged for something.
After all, it's just a piece of paper.
It's troublesome to be lacking.
It's not something to pursue greedily.
◎Don't be greedy over something like money.