One another day I saw a girl with a water pot.
A Japanese NGO dug a well near her village, so she came there to get some
water.
Her house didn’t have electricity. It didn’t have a toilet, either. She had to walk a long way to get water. Her school didn’t have a roof. While she’d
been in the crowded market, her life was threatened by Taliban’s attack.
This trip made an impression on me. I’d been
to Afghanistan more 3 times.
Then I was transferred to Tokyo.
Later, the security condition of Afghanistan
was getting worse. My company prohibited us to go there.
When I got back to my daily life, I realized
how lucky I am.
Being born in Japan in this era is, like
winning the lottery. There is no war. You
don’t have to be a Kamikaze pilot. Water
is clean. There is electricity all over
the country. Washlets are everywhere.
It’s a miracle.
Moreover, I had some savings before I knew it
thanks to the world stock markets.
I was truly satisfied with my 25 year’s career
as a photojournalist. When I was 50, I quit my job.
From now on, I want to do something that is
helping people less lucky than me.
At the same time I have a dream to work in a
foreign country again, so I’m studying English with you.
Steve Jobs said, “Your time is limited. You’ve
got to find what you love”.
Meanwhile, our time is increasing. The life
expectancy of Japanese is soon reaching 90. That indicates some of us live more
than one century.
However, Japanese government debt are 200%
more than GDP, and its increasing every year. You cannot expect enough pension
in the future. You have to work until 70 or 80.
Your work is going to fill a large part of
your life. You cannot do something you don’t like for such a long time.
Therefore, you’ve got to find what you
love. Loving what you do is essential.
And, over a long time, I’m sure your love
for work will change. Right now Takashi san is an engineer working for one of
the finest companies in the world. But your love for the semiconductor must
change. You have to start looking for another target to devote yourself someday.
At that
time your savings will help you.
To prepare for your next life financially,
doing overtime work is not a smart way. Put your money monthly into the stock
markets, especially to the global stock markets. The Japanese economy is likely
to shrink due to the decrease of the population.
Never put your money into the bank account.
The current bank interest rate is only 0.001%. In addition, you lose your money
in the bank if the inflation is coming. Historically the only way to beat the
inflation is invest to the stock markets.
In the short term, the markets are
vulnerable. But if you are patient, your rewards are huge in the long term.
Your savings will increase both by the growth of the world economy, and the magic
of compounded profits.
Fortunately, we Japanese are good at
patience and discipline.
Finally I introduce some books which I was
strongly impressed by.
There are few good Japanese books about
personal finance. My recommendation are;
_Jeremy Siegel “Stocks for the Long Run”___McGrawHill
_Bob Clyatt “Work Less, Live More”___Nolo
_Vicki Robin & Joe Dominguez “Your Money or Your Life”___Penguin Book
You can get these books through Amazon USA.
Again, I’d like to tell you three conclusions
from my life;
1.
You’ve
got to find what you love
2.
But
your love of the work you now do may change someday
3.
So prepare
financially by investing to the world stock markets
Thank you all very much.