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Gakeppuchi Education Variety A.K.B. One Up Academy!
It's a shame to save money in the bank.
What do you think money is?
It doesn't betray you.
Wow!
If you had 100 million yen, it would be about 2,000 yen.
What?!
What?! No way! No way! No way!
Hello, everyone. I'm your host, Mayumi Nagato.
Yes.
This program invites celebrities who are active in various genres...
and encourages them to improve their idol skills.
In the last episode, we talked about tips for talking in a way that people like.
It was well received by adults.
It's the second episode of this series!
Wow!
And today's students are these people!
Yes!
Please introduce yourselves, starting with Orin-chan.
Yes! Doggy, cat, Orin-chan!
I'm Buto Orin. Nice to meet you!
Yes! I'm 17-year-old research student Mayu Masai. Nice to meet you!
Nice to meet you!
Yes! I'm Moho-pyon Goto Mori Moho. Nice to meet you!
Yes! I'm 18-year-old research student Naomi Osaka. Nice to meet you!
Yes!
What we're going to learn today is...
The theme of the second class is money!
Wow!
Money! Money!
Wow! That's the loudest voice of the day!
Money will eat you up!
OK, so this time, we have Orin-chan and Masa-chan who are interested in investing.
Yes!
And we have Maho-chan and Sakoyume-mi-chan who love money but spend as much as they can and don't think about anything in particular!
Yes! That's right.
It's right, isn't it?
And Orin-chan and Tom-san are involved in stocks and investing.
Wow! That's amazing!
How long have you been doing it?
I've been doing it since I was a junior high school student.
For the first five or four years?
Four or five years, I think.
Wow!
How about you, Masa-chan?
Recently at school, I've learned a lot about bonds and investment options, so I've started to get interested in it.
But I didn't know what to study, so I'd like to learn a lot and go home today.
Wow!
That's a good opportunity.
I have an episode with Maho-chan.
What is it?
She really spends as much money as she can.
Why?
We went to play gacha together.
Gacha costs about 1,000 yen, even if you spend it.
Even if it's about 300 yen once.
When I realized it, I was in front of the exchange machine.
Until I got what I wanted as many times as I could...
Gacha still exists.
I've never seen anyone spend so much money on gacha.
I spend about 10,000 yen on gacha.
Wow!
How much do you spend?
Toto-mac, Toto-mc, Toto-mc, Toto-mc, Toto-mc, Toto-mc, Toto-mc, Toto-mc, Toto-mc, Toto-mc, Toto-mc, Toto-mc, Toto-mc, Toto-mc, Toto-mc, Toto-mc, Toto-mc, Toto-mc, Toto-mc, Toto-mc, Toto-mc, Toto-mc, Toto-mc, Toto-mc, Toto-mc, Toto-mc, Toto-mc, Toto-mc, Toto-mc, Toto-mc, Toto-mc, Toto-mc, Toto-mc, Toto-mc, Toto-mc, Toto-mc, Toto-mc,
You can go home full of stuff
Right!
Hiromi Oomori-san is similar to me
I also have some random goods
I've invested quite a bit
Invested quite a bit?
You don't have to say it
Well, let me get right to it
I would like you to do a psychology test here
"You are either an expense-type or a contract-type person who received a lot of apples.
You can't consume them all just by eating them.
What would you do with a lot of apples?"
That's the psychological test.
- Have you decided? - Have you decided?
- Huh? - Huh?
- Were you watching? - No, no, no.
- You decided before I could answer? - No, no, no.
A. Give them out to your neighbors.
B. Give them out to your neighbors.
C. Give them out to your neighbors.
D. Put it in a blender and make it into juice.
C. Boil it and make it into jam and save it.
D. Make it into apple pie and serve it to your friends.
- What's the difference between "A" and "D"? - Is it apple or apple pie?
- Why do you have to add one more thing? - What if you don't have a choice here?
- Please choose from here. It's a psychological test. - No way.
Give me your answer.
First of all, I will answer "C" first.
"C." Boil, jam and store.
The person who chose "C" is someone who has a contract and can manage money well.
However, it is easy for someone to like money because they are positive and treat money with a friendly attitude,
and people around them put "kechi" and "letter" on it for the first time in a long time.
If you want someone to like you, you may spend more money on others than you do on yourself.
That's nice.
Just by making an apple pie?
Just by making an apple pie.
The person who chose "C" is...
I think it's a good result.
Someone who has a strong spending habit.
I believed it!
If you want something for a moment, you may not think about it and buy it without thinking about it and it may be weak in sales products.
I am aware of it.
Someone who has a big gap between their sense of donation and reality they are aware of.
That's right!
The person who chose "C" is...
Even if you save money, you can't save money at all.
People with ainking consciousness about money and at the same time, people who are easily addicted to money.
Isn't it right?
No it's not.
It's not right!
Well, let's call our teacher for today.
Thank you, teacher!
Thank you!
Wow!
Teacher!
I thought we would have a strong teacher.
I took off my hood.
Thank you.
I took off my hood. Thank you.
I'm sorry.
Today's teacher, Keigo Sasa, is a former national tax office employee.
And now, as a tax officer, he is also active as a TikTokker, Jiteko Sensei.
In addition, last year, he sold his book "What Should I Do to Save As Much Money As One Yen"
at the Japanese Business Award No. 1 in Tsutaya, which has the highest number of bookstores in Japan.
He is also a money specialist who was selected as a target work!
Thank you!
Wow!
That's right.
So you know everything about money.
Well, almost everything.
Wow!
Almost everything.
So, let's get started.
You like money, don't you?
Yes, we do!
What do you think money is?
Sako?
Money doesn't betray you.
Wow!
Cool!
It's a famous saying!
It's correct!
Omori, what do you think about this?
Money is...how should I put it...useable.
Useable.
Yes, as it flows.
Useable. This is also correct.
Wow!
So, since it's about values, I think it's okay to think about money differently depending on people.
So, let's see how Ina spends her one month of money.
Wow!
So, today, I asked everyone to write down how they spent their one month of money on the flipboard with "engraph" written on it.
First, my flipboard.
Engraph
I...
Ta-dah! It's like this.
It's food, isn't it?
Food and savings.
You save a lot.
For beauty, I buy make-up tools.
And I also save money on mobile apps.
I see.
You save a lot of money, don't you?
Yes, I do.
I save money not only in the bank,
but I also save tens of thousands of yen every month in another place.
I see. It's like savings.
Yes, it is.
That's good. I think it's wonderful. Thank you very much.
Thank you very much.
Hello. It's like this.
Beauty, food, make-up, hobbies, savings, investments...
My hobbies are...
I love anime.
Yes, yes.
And I like card game goods.
When I go to college, I buy textbooks, mobile apps and subscriptions for my hobbies.
I also save money and invest in new things.
That's great.
I think it's wonderful that you invest in things.
I invest in things every day.
Do you invest in things every day?
Yes, I do.
That's wonderful.
Well, I have half of my food expenses.
Then, my clothes, cosmetics and consumables.
- Oh, consumables. - And finally, my payment.
- Salary? - It's like a subscription.
And if my mom accepts my loan, I pay for it.
I see, I see.
Your expression is funny.
"My clothes" is funny, isn't it?
"My clothes" is funny.
I don't buy clothes, but pajamas.
- What? - Why?
What do you mean?
Well, I need a lot of pajamas.
- One is enough. - Yes.
Do you wear pajamas every day in winter?
- I do. - Oh, that's great.
- Pajamas motivate me. - I see.
- Pajamas motivate you. - Yes.
When I go to work in the morning,
I can wear pajamas and work hard.
- That's great. - Thank you.
I've never met a person who has "what if" in her life.
What if
- This is me. Ta-da! - This is crazy.
- Most of my clothes are "otakatsu" goods and this is my meal.
This is crazy.
- Sometimes I don't eat much to buy "otakatsu" goods. - Sometimes you don't eat much.
What?
I even eat "otakatsu" goods for my meal.
- I also collaborate with "wehers". - I see.
I've been working for "wehers" for a month.
Oh, my God!
- I don't have savings. - You don't have savings.
- I've never done it. - You've never done it.
Because you don't know when you will die.
Humans are alive now.
Wehers
Ta-dah!
Wow!
But it's amazing!
I'm scared.
Are you scared?
I'm scared, but I went three times this month.
What!?
Why are you so lost?
What do you do three times a month?
Life and luck in 2024,
and what I want to do well on this day,
and I have fortune-telling subscripts.
Wow!
Is it going well?
No, it's not.
It's not?
It doesn't feel like it.
It's bad.
This is a little heavy.
What are the two?
I added it at the end.
Oh, you added it a little?
I thought I didn't have it anymore, so I wrote "food expenses".
Teacher, how has everyone's Engraph been so far?
Well...
There's only one survivor, isn't there?
What!?
Only one?
That's correct.
The correct answer is correct, but it's a little tough to say "language".
What!?
It's tough to say "language".
We talked about "apple" earlier, didn't we?
Yes.
Didn't you feel like you got it right?
I did.
It's the same for "money" and "apple".
It's how you use it.
You can make it more valuable and jam it.
You can make apple pie more expensive and sell it.
I see.
It's how you use it.
You can also increase money with money.
It's how you use money.
Well...
Teacher Sasa...
Yes.
I think you all know how to save money in the bank and increase it.
That's right.
Is this okay?
Some of it is okay, but most of it is incorrect.
In the past, it was okay.
But now, it's a little expensive.
You save money and get interest.
As time goes by, you get money.
In the past, this interest was 6% per year.
If you save 100 million yen, you get it for a year.
How much is it?
I can't calculate, so I don't know anything.
Ori-chan...
Yes.
100 million yen is 6% per year.
Let me see...
It's hard, isn't it?
Yes, it came up quickly.
6 million yen.
How many percent do you think it is now?
This is Maho-chan.
3.
It's like it's half.
I don't know.
You don't have to think about it at all.
The number is a little negative.
The number is here.
The number is negative.
0.02%.
Wow!
It's almost zero.
So it's a waste of saving money in the bank.
So if you want to save money, if you want to save money, if you want to save money, invest in it.
Invest in it.
This is it.
Wow!
Invest in it.
It's a famous saying, isn't it?
Wow!
You say it yourself.
You say it to everyone, don't you?
Thank you very much.
Then, I don't think investing was important, but the type of investment.
Sako-san, how is it?
Sako-san, did you know now and didn't you feel like I was right now?
I felt like I was right.
Do you think I know it?
I thought you didn't know it.
Maho-chan, how is it?
Investment?
Have you ever seen an investor say that?
No, it's wonderful.
That's exactly right.
Oh, I see.
They invest in a company's subsidiary and make money from it.
And they get a return on that investment.
If you entrust money and go back to yourself, does gambling also count as an investment?
Yes, it does. In that sense, it's an investment.
But it seems like you're not good at managing things.
That's right.
There's a chance you'll lose.
That's true.
Basically, there's a chance you'll lose an investment, but there's a bit of a bad probability.
It's gambling.
But it's also an investment.
Then, Orin-chan.
Yes?
You also invest, don't you?
I collect money.
Investment options and FX.
Ah, that's right.
FX.
Foreign currency.
It's foreign currency.
It's money and this "kawase ne mokaru" thing.
You know what I'm talking about, right?
I don't know about "kawase".
It's like "kawase" came up.
I don't know about "kawase".
Yes, it's like "kawase".
But it's exactly like "kawase".
Investments. There's a lot of things, right?
The FX that Muto-san is doing is a foreign currency "kawase" transaction.
For example, like selling Japanese yen and buying US dollars,
it's a transaction where you exchange a country's currency for another country's currency.
Earlier, I said it's gambling.
It's the same with "kachinko", but I think it's also correct in terms of how you spend money.
For example, if you buy expensive goods, like idol goods or manga goods,
you buy expensive goods and if you get a premium for it, you sell it at a high price, right?
This is also an investment.
Paintings and drawings.
Drawings by people who passed away in the past.
The value will definitely go up, right?
Yes.
That's also an investment.
Maybe the idol goods will become something.
That's right.
My goods room is also overflowing with goods.
But people around me call it a "trash room".
But for me, it only looks like a treasure mountain, and it's full of really valuable things.
For me, it's a treasure.
- That's right. - Yes.
Because of the goods I bought and because of the anime I like, there are people who like me there.
And we can talk about it in the talk show.
And then it's also connected to my profits.
And where does that money go?
That money is my goods.
My goods I want.
Then invest in it.
So there is a way of thinking of distributing investments.
Not only having money, but also having other appearances.
That's why it's very important to distribute things.
The same goes for real estate.
It's like that.
Because there are various investments.
But I just realized that investment is very important.
- Isn't it? - Isn't it a little too difficult?
- Difficult, difficult. - What is investment?
- I don't know. - I don't know.
There is still a question mark in everyone's minds.
Is it something anyone can do? Investment.
Investment is something anyone can do.
There are people who make that kind of mechanism.
- It's wonderful, isn't it? - Amazing.
Making money is good for people.
If you give money to people who are good at it, they will increase your money.
There is such a thing as a securities company.
If you make a securities course,
you can invest in people who are not good at making money.
If you make a securities course, you can make a course that doesn't cost tax.
- A course that doesn't cost tax? - It costs tax if you bribe people.
It costs tax if you make money.
There is a course that doesn't cost money even though it has operating functions.
This is called "second place".
- I've heard of it. - This is second place.
- This "niisaa". - "Niisaa".
By using this, the efficiency of operations increases.
If you have a deposit you can save on interest, you can save it there.
Then, the return will also increase, right? That's the flow of the story.
- In the first place, we don't know much about "niisaa". - That's right.
Can you explain about "niisaa" to us?
"niisaa" is a story about "niisaa" and "niisaa" are two different things.
"shouken kouza" is basically an operation of "kabu" (stocks)
so if you have profits, it costs you money and taxes.
If you make a deal with "niisaa" kouza, it costs you nothing.
In general, companies buy individual "kabu" that they profit from.
For example, soft banks buy "kabu".
This is the general way of buying individual "kabu".
"soft" is not an investment option but a combination.
An "investment option" is a company that distributes funds from an investor to a professional who operates it,
and distributes it not only in Japan but also abroad,
and distributes it to financial institutions, companies and real estate to make profits,
and distributes the profits to investors.
If you do what you are doing now,
you just have to choose a name tag and put money in it.
If you choose it, you have less risk.
This is "niisaa" kouza and "stocks" niisa.
That is very...
I think you have done it before.
Yes, it's "stocks" niisa.
That is very...
What is it?
In the first place...
It's a difficult story, but...
Yes, it's a little difficult story, isn't it?
Why is it better for you to do it?
Is there a benefit in doing it?
Well, the benefit in doing it is...
It's like making money with money and making money with time.
In the end, if you leave it as savings, it's 0.02%.
So next year, it's like 1 million and 1 million.
But if you leave 1 million behind all the time...
The way of thinking is to make that 1 million yen into 1.2 million or 1.3 million yen.
Is there absolutely a chance of that increasing?
There is absolutely no guarantee, but...
There is no guarantee, but there is a high possibility of increasing.
Is there anything negative about it?
There is something negative about it.
What? No! No way!
No way!
However, the possibility is very low.
For example, if you buy "kowichukabu", you will become a partner with that company.
Oh, I see. There are many cases like that.
If the company's earnings go down, you will lose part of your "kabu" investment.
So, it is very important for investors to distribute "kabu" investments.
Once again, to explain the charm of "kowichukabu",
it is an investment option that can be invested with non-payments, so professionals operate it instead of individuals.
Since "kabu" investments are distributed rather than individual "kabu", there is less risk of losing "kabu".
Even if you are a beginner, it seems that you can easily invest.
Are you following me?
Sako-chan's eyebrows are going down.
You have a new brother. What is the difference between him and the brother you just talked about?
The investment frame is increasing.
The amount of money invested so far was 400,000 yen and now it is 1.2 million yen.
It is increasing.
In addition, the investment period has increased.
Until now, it was 20 years, but now it is one year.
This means that you can keep investing until you are 60 or 65 years old.
The reason for this is the problem of pension.
The financial situation of pension is quite difficult.
You have to do it yourself.
Let's build up that situation.
You have a brother who teaches you.
You have a brother who invests in you.
In this environment, you have created a culture.
Let's increase it.
In the future, you will not be able to work.
How much do you think pension should be?
I often hear that 20 million yen is enough to live.
Let's do our best at that time.
Let's keep working.
If you don't have a logo or logo, work.
But there comes a time when you can't work anymore.
The 20 million yen problem was like a boom for a while.
There was a time when it was just a keyword.
For 20 years or 30 years,
about 55,000 yen a month seems like it's not enough.
That kind of asset came out of the country.
And that became a problem and 20 million yen wasn't enough.
I thought everyone would be protected by pension,
but I couldn't protect it.
I thought I should manage it myself.
That's why the AIM graph I mentioned earlier,
if you look at it from that standard, it's incorrect.
Everyone, please show me the graph again.
Like this, food, clothes, otakatsu, goods, fortune- telling, and so on.
It's not good as it is now.
That's right.
If you look at it after listening to the teacher's story, it looks even worse.
If you look at it now, it's completely out.
It's five years old.
This is before listening to the teacher's story.
Today, after listening to the teacher's story, I want to change it like this.
Oh, Sako-chan, really?
I want to reduce food costs.
Because you happened to have two.
I didn't even have savings in it, so I thought I'd listen to you first, study more, start with savings, and continue to invest.
This is also a big change.
It's a big change.
I can do it now.
That's great.
I'm going to save a little bit of money like this.
I started saving a little bit of money and invested in it.
There was still something difficult for me, so I wanted to deepen my understanding a little more and teach me.
I don't have knowledge myself, so I don't know what's good for investing.
If I had the desire, I'd like you to do it all.
To those who have knowledge.
Let's build it up.
Oh, that's building it up?
Oh, if there's someone like that, I'd like to do it.
I really want to do it.
Yes.
I thought I could buy food at a convenience store or have my mother make me rice balls.
I thought it would be nice to save the money you don't use right now and then invest it.
It's a big change.
It's wonderful.
I'm 0.02%, right?
Yes, yes, yes.
I was surprised to hear that number.
There's a lot of savings, isn't there?
Yes, so I know I'm investing a little more every day.
I wanted to invest a little more and make it happen.
That's right.
If you have that kind of desire, you can make half of it.
Yes, I'd like to do it.
I have one last question.
Please.
I'm a third-year high school student.
Can you do it at this age?
I was over 18 years old.
So it's like that.
Eighteen.
I'm 17.
Just barely.
So it's starting next year.
That's a good preparation period.
Yes, it takes a year to prepare and study.
It's just right.
You won't do it, will you?
I won't.
Yes, I won't.
Yes, so we'll have Dr. Sasa teach us about money next time as well.
If you listen to this, you'll be one up.
Look forward to it next time as well!
Bye-bye!
Let's say you're running a country and you're asked to collect money. How do you collect it most efficiently?
Super important.
What are you talking about?
For example, do you have a hometown rosette? If you do this, you'll meet someone and you'll have a child.
I'm a cedar tree wind.
That's terrible!
I want it!
I'm counting on you!