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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!
I'll eat up the money!
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, along with Tom-san, is also involved in stocks and investing.
Wow!
Yes.
How long have you been doing this?
I've been doing it since I was a junior high school student.
For the first five or four years?
Wow!
Four or five years, I think.
That's long!
Wow!
What about you, Masa-chan?
Recently, at school, I've learned a lot about bonds and investment options and stocks, so I've just started to get interested in them,
but I didn't know what I could study, so I'd like to learn a lot and go home today.
Wow!
That's great! Then it's just the right 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 once.
Gacha costs about 1,000 yen, even if you spend it.
Let's say it's about 300 yen once.
When I realized it, I was in front of the exchange machine and kept playing until I got what I wanted.
You play gacha until you get what you want.
I've never seen anyone spend that much money on gacha.
I spend about 10,000 yen on gacha.
Wow!
That's crazy!
Totomac, all of them are gacha.
- You can buy a lot of them. - That's right!
I feel like Ms. Oomori has something in common with me.
I also have a lot of random goods.
I've invested quite a bit.
You don't have to say it.
Yes, well, let's get started.
I'd like you to do a psychological test here.
[Psychological Test]
You are either an expense type or a contract type.
An acquaintance gave you a lot of apples.
You can't eat all of them.
What will you do with all of them?
That's the psychological test.
- Have you decided? - Have you decided?
- That's fast. - Were you watching?
- No, no. - You decided even before I gave you the answer!
- No, no. - A. Give it to your neighbor.
B. 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 an apple pie and give it to a friend.
What's the difference between "A" and "D"?
Is it an apple or an apple pie?
Why do you have to add anything?
What if you don't have a choice here?
Please choose from here.
- It's a psychological test. - No way!
[Psychological Test]
First of all, I will answer from "C".
"C", boil, jam and store.
The person who chose this is someone who has a contract and can manage money well.
However, for the first time in a long time, people around him will put "kechi" and "letter" around you.
"D", make apple pie and treat it like a friend.
Because you are facing money with a positive feeling, you are a type that is easy to like money.
If you want someone to be happy, you may spend more money on others than you do on yourself.
"A", I think it's a good result.
"D", you have a strong spending habit.
I believed it!
If you want something and have a desire to buy it, you can buy it without thinking about it and it is weak in sales products.
"C", you have a sense of donation that you are aware of and there is a big gap in reality.
"B", Sako-chan, you chose to make juice with a mixer.
However, you can save money and you don't spend a lot of money.
You are not good at dealing with money and you are addicted to it at the same time.
But is it correct?
It's not correct.
It's not correct!
Let's call our teacher for today.
Teacher, thank you for coming.
Thank you very much.
Wow, teacher!
I was expecting a strong teacher like you.
I took off my hood.
Thank you.
I'm sorry.
This 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 books at Tsutaya, which has the largest bookstores in Japan,
with a combined publisher, SUBARU.
He is 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 all like money, don't you?
We love it!
What do you think money is?
Sako?
Money doesn't betray you.
Wow!
It's a famous saying.
It's correct!
What do you think, Omori?
Money is...how should I put it...useable.
Useable, right?
Yes, as it flows.
Useable. That's also correct.
Wow!
So, since it's about values, I think it's okay to think of money differently depending on people.
So, let's take a look at how Ina spends her one month of money.
So, today, I asked the person who wrote "engraph" to write down how she spends her one month of money.
But first, I'm going to show you my flipbook.
Engraph
For me...
Ta-dah! It's like this.
It's food, isn't it?
Food and savings.
Oh, you save a lot.
For beauty, I buy make-up tools.
And also mobile phone apps.
Oh, I see.
You save a lot of money, don't you?
Yes, I do.
I save money in a different place than in a bank.
I save tens of thousands of yen every month in a different place.
I see. It's like savings.
Oh, it's like savings.
Oh, that's good. I think it's wonderful. Thank you very much.
Thank you very much.
For me, it's like this.
For beauty, I save money.
For hobbies, I save money.
For hobbies, I like anime a lot.
Yes, yes.
And also card game goods.
I go to a university college.
So I save money in textbooks, apps and subscriptions for my hobbies.
And I save money in savings and investments.
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.
Oh, that's wonderful.
Well, I have half of my food expenses.
Then, I have clothes, cosmetics and consumables.
- Oh, consumables. - And finally, I have to pay for them.
- Salary! - I have to pay for my summer clothes,
and I have to pay for the amount my mom pays for me.
- I see, I see. - It's kind of...
It's kind of funny, isn't it?
You say "clothes" and it's funny, isn't it?
- Oh, but I... - Clothes.
I don't buy clothes, but I buy pajamas a lot of the time.
- Huh? - Why?
What do you mean?
Well, you need a lot of pajamas, don't you?
- Huh? - Just one is enough!
- Do you buy pajamas every day in the winter? - I do, every day.
- Oh, that's amazing! - Pajamas really motivate me.
- Pajamas. - Yes, when I go to work in the morning,
I can wear pajamas if I want to, and I can work hard.
- I'm sorry! - I'm sorry!
I've never met anyone who has "what ifs" in their life.
- This is me, ta-dah! - This is crazy, isn't it?
- It's mostly otakatsu goods and this is my meal.
This is crazy, isn't it?
- Sometimes I try not to eat rice just to buy otakatsu goods. - Oh, sometimes you do!
I even buy otakatsu goods for my meal.
- I also do collaborations with Wehearth. - You do collaborations with Wehearth!
- I've been with Wehearth for a month now. - Oh, that's crazy!
- I don't have any savings, but... - You've never saved money, have you?
- No, I haven't.
Because you never know when you're going to die, human!
- You're still alive now! - Yes, I am.
Ta-dah!
Wow!
But it's amazing!
I'm scared.
Are you scared?
It's fortune-telling, but I went three times this month.
What?!
Why are you so lost?!
Three times a month for what?!
My life and my luck in 2024,
and what I really want to do well on this day,
and fortune-telling subscripts.
Wow!
Is it going well?
No, it's not.
It doesn't feel like it.
It's not good.
It's a little heavy.
What are the other two?
I added them at the end.
Oh, you added a little.
It's like I wrote "food expenses" because I didn't feel like it anymore.
Teacher, what do you think of everyone's engraphs so far?
Well...
I think there's only one survivor.
What?!
Only one?
That's correct.
It's correct, but
it's a little tough to write in Japanese.
What?!
Going like this...
It's tough to write in Japanese.
We talked about apples earlier, right?
Yes.
Didn't you feel like it was correct?
Yes, I did.
It's the same for money, but it's the same for apples, too.
It's how you use it.
You can make it more valuable,
you can make it into jam and serve it.
If you make it into apple pie, wouldn't it sell more?
That's how it is.
I see.
It's how you use it.
You can also increase money with money.
It's how you use money, too.
Then...
Teacher Sasa...
Yes?
I think everyone basically knows how to save money in the bank and increase it.
Right.
Is this okay?
Some of it is okay, but many 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.
So I saved 100 million yen for a year.
How much is that?
I can't even calculate it.
I don't know anything.
Orin-chan...
Yes?
600 million yen is...
Um...
It's hard, isn't it?
I can't think of it right now, but...
It's 6 million yen.
How many percent do you think it is now?
This is for you, Maho-chan.
It's three.
It's like it's half.
I can't think of it.
You can't think of it at all?
The numbers are a little negative.
The numbers are here.
The numbers are negative.
0.02%.
That's crazy!
It's almost zero.
So, it's a waste of money to save up in the bank.
So, if you're going to save up money...
If you're going to save up...
Invest. This is it.
Invest.
You're a human being, aren't you?
You said it yourself.
Anyone can say it.
Thank you very much.
Then...
Investing was probably not an important thing, but...
The type of investment.
Sako-san, what do you think?
Sako-san, did you know?
Didn't you feel like I was right?
I felt like I was right.
Do you think I know?
I thought you didn't know.
Maho-chan, what do you think?
Investment?
Have you ever seen an investor say that?
That's great.
That's exactly right.
That's right.
You sell a company's stocks and invest money in them.
If you entrust money and go back to yourself, is gambling also an investment?
That's right. In that sense, it's an investment.
But operating costs are bad, aren't they?
That's right.
You may lose.
That's right.
Basically, you may lose an investment, but the probability is a little bad.
It's a gamble, but it's also an investment.
Then, Orin-chan, how about you?
You're already investing, aren't you?
New investments? Investment options and FX.
Oh, that's right.
FX.
Foreign exchange.
It's foreign exchange.
It's money and this exchange to make money.
It's obvious, isn't it?
You don't know about exchange.
It's like an exchange came out.
You don't know about exchange.
That's right.
But it's exactly like that.
Investments. There are various things, aren't there?
The FX that Mr. Mutoh is doing is a foreign exchange transaction.
For example, like selling Japanese yen and buying US dollars, it is a transaction of exchanging a country's currency for another country's currency.
It's a gamble or a stand-up comedy, but from the perspective of how you use exchange, I think it's correct.
For example, let's say you buy expensive goods.
If you have idol goods or manga goods, you buy expensive goods and if you get a premium, you sell it at a high price, don't you?
This is also an investment, isn't it?
For example, paintings and paintings that people who died in the past drew will definitely increase in value, won't they?
That's also an investment.
Maybe the idol goods will become something.
That's right.
My goods room is overflowing, but people around me call it a garbage room.
But for me, it only looks like a treasure mountain, and it's all really valuable.
It's a treasure for me.
That's right.
By buying those goods or by liking that anime, there are people who like me there.
And we can talk about it at the talk show.
Then it's also connected to my profits.
And where does that money go?
This is my goods.
The goods I want.
Then invest in it.
So there is a way of thinking of distributing and investing.
Not only having money, but also having other exteriors.
So it's very important to distribute and send various things.
The same goes for real estate.
It's kind of like that.
Because there are various investments.
But I just found out that investment is very important.
Isn't it a little too difficult?
Difficult, difficult.
What is investment?
I don't know.
Everyone still has a question mark in their heads.
Can anyone invest in that?
Investments can be done by anyone.
There are people who make that kind of mechanism.
It's wonderful, isn't it?
Amazing.
If you're good at making money, you can leave the money to people who are good at making money.
And you can get more money.
There is a securities company.
If you make that securities company, if you leave the money there, you can invest in people who are good at making money over there.
When you make a securities company, you can make a company that doesn't cost tax.
Tax?
A company that doesn't cost tax?
Taxes cost interest on interest.
Interest.
In the past, it was income.
If you make money, you pay tax.
There is a company that doesn't cost money even though there is an operating system.
This is called "nisa". Have you heard of it?
I've heard of it.
This "nisa".
"Nisa".
By using this, the efficiency of operation increases, doesn't it?
If you have this interest on interest, you can leave it there.
Then you can make a lot of money when you come back.
That's how it works.
We don't know much about "nisa".
Can you explain about "nisa"?
This kind of securities exchange is based on stocks, so if you have profits, it costs you money and taxes.
But if you make a deal with this "nisa" exchange, it costs you nothing.
In general, companies buy individual stocks like SoftBank does.
But SoftBank doesn't do that. It's called "investment application" and it's a combination of both.
"Investment application" is an application in which investors distribute funds from investors to private companies and real estate companies,
not only in Japan but also abroad, and distribute the profits among investors.
You can simply choose a name and invest money in it.
If you choose it, you'll have fewer risks.
This is "nisa" exchange and "investment application nisa" exchange.
I'm sure you've heard of it.
"Investment application nisa" is a 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 should we do nisa?
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 for savings, it's 0.02%.
So next year, it's like 1 million and 1 million.
But if you leave 1 million for a long time,
The way of thinking is to make that 1 million yen into 1.2 million or 1.3 million yen.
Is it definitely going to happen? Is it going to increase?
It's definitely not guaranteed, but...
It's not guaranteed, but it's highly likely to increase.
Is there anything that can be negative?
There are things that can be negative.
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 and the company's shares go down, that part of your shares will also go down.
So it's very important for investors to distribute and distribute.
Once again, to explain the charm of "kowichukabu",
Since it is an investment option that can be invested in non-cash, professionals operate instead.
Since it is distributed and invested rather than individual shares, the risk of becoming negative is low.
Even if you are a beginner, it seems that you can easily invest.
Are you following me?
Sako-chan's eyebrows are going down.
What is the difference between "new NISA" and "old NISA"?
The investment frame increases.
Until now, the investment was 400,000 yen, but now it is 1,200,000 yen.
It has increased.
In addition, the investment period has increased.
Until now, it was 20 years, but now it is one year.
This means that you can invest until you are 60 or 65 years old.
The reason for this is the pension problem.
The pension system is quite strict, so you have to do it yourself.
Let's build such a system.
"New NISA" was established.
Everyone invested in "new NISA".
A culture was created in this environment.
Let's increase it.
In the future, people will not be able to work.
How much do you think "old NISA" should be?
In general, if you have 20 million yen, you can live.
Let's do our best with that money and time.
Work hard! If you don't have a logo, too!
But there comes a time when you can't work anymore, right, Izune?
This 20 million yen problem was like a boom for a while.
There was a time when it came out as a keyword.
For 20 years or 30 years or something like that,
about 55,000 yen a month seems like it won't be enough,
that kind of asset came out of the country.
And that became a bit of a problem, and 20 million yen won't be enough,
so I thought everyone would be protected by pension,
but I can't protect it, so I have to do something about it myself.
So, if you look at the yen graph as a standard, it's incorrect.
(laughs)
Everyone, please show me the graph again.
As you can see, there are food expenses, clothes, otakatsu, goods and fortune-telling.
It's not good as it is now. (laughs)
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 been five years.
This is before listening to the teacher's story.
Today, after listening to the teacher's story, I want to change this part.
Oh, Sako-chan, really? (laughs)
I want to reduce food expenses.
It's because you happened to have two. (laughs)
I didn't even have savings in it.
First of all, I'm going to listen to you and study more.
I'm going to start with savings and continue to invest.
This is also a big change.
It's a big change.
It's wonderful.
I'm going to save a little bit of money like this.
I'm going to start saving a little bit of money like this.
I still have a difficult part, so I want you to deepen your understanding a little more.
I want you to tell me.
I don't have knowledge myself, so I don't know what's good for investing.
I often say that I want 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 love to do it.
I really want to do it.
Yes.
After all, I thought that I could buy food at a convenience store or have my mother make me rice balls.
I thought it would be nice if I could invest the money I don't use right now and then turn it into an investment.
The change is amazing.
It's wonderful.
But I'm also 0.02%, right?
Yes, yes, that's right.
I was surprised to hear that number.
Oh, you save a lot of money, don't you?
Yes, so I want to invest a little more every day.
I know that I'm actually doing it myself and I'm building it up every day, so I want to invest a little more.
Yes, that's true.
If you're so determined, you can do it halfway.
Yes, I want to do it.
Oh, I have one last question.
Go ahead.
Well, I'm in my third year of high school, but can you do it at this age?
I think you were over 18 years old.
I'm 17 years old.
So maybe next year?
It'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?
No, I won't.
Yes, so next time, Ms. Sasa will tell us about money.
If you hear this, you'll be one up, too!
Look forward to next time!
Bye-bye!
When you say "I will run the country from now on," and you say "collect money," how do you collect it the most efficiently?
Super important.
What are you talking about?
For example, do you have any memories of going to your hometown?
If you do this and you don't do it, you will be born now.
I was born in Kikasei, Suginoki.
What a terrible thing!
Terrible!
I want an injection, but I can't drink it.
I'm counting on you!