Investment

If you want to be rich, live in the suburbs vs. the city center?

◆ If you live in a suburb where rent is low, you can significantly increase your money for "investment"
If you live in a local city, the basics are commuting by car, so you can freely decide where to live. However, when living in urban areas, many office workers go to work by train. The worrisome choice is whether to live in the suburbs or in the city center.

If you live in the suburbs, the rent will be cheaper, so even if you have a small income, you will not have much trouble and you can afford the money you can use besides housing expenses. If you live in a city center that is convenient for commuting, the cost of housing, or rent, is about double. If you include the parking fee, the cost is even higher.

But it's so cheap in the suburbs that you can spend more on other things, like self-investment, than on people. In addition, live in the suburbs and live near the starting station. That way, you can sit down and commute, so the inside of your car will be your reading and studying time, and you will have time to invest yourself.

Sitting on the train is a valuable learning time. Commuting time is 15 minutes, and it is difficult to concentrate on something if you are on a crowded train, but if you can secure one hour, you can concentrate on reading and studying.

If you say "commuting time is one hour each way," it says "it's pretty far," but you can get yourself 40 hours a month and 20 days a year.

On the other hand, if you miss the last train late at a drinking party etc., be careful as the taxi fee becomes hyper expensive. It is bad for my heart that the meter rises quickly in a late-night taxi. In this case, it may be cheaper to book a business hotel and stay.

◆ If you live near the company, you can immerse yourself in work without worrying about the last train
There is also the opposite idea: "You can live near the company, even if you can't." To immerse yourself in your work, the time of the last train can be an obstacle. Even though commuting time is a study time, sometimes you can reduce your sleeping time by that much.

What if you live a 10 minute walk from the company? Or 10 minutes by bicycle.

You can work without worrying about the last train time. Even if you leave the office late at night, you can arrive in the room immediately and bat down. The next morning, if the opening time is 9 o'clock, it's enough to get up at 8 o'clock, so you can have enough sleep time. In addition, you can meet people late and contribute to networking.

But what if you live an hour by train? You have to leave the company by the last train at the latest. And I arrive home late at night. You have to get up early the next morning to commute, so you have to go to work due to lack of sleep.

If you spend less time working and less time sleeping than the former, the difference will only open up.

In this case, even if the rent is double and the life is sloppy, it would be better to live near the company. Considering the entire working life in the future, high rent in the city center is a small problem that can be hazy.

Of course, the situation will be different depending on whether the entire building is closed or if you will not be able to enter the office on Saturdays and Sundays.

It is up to each person to decide which is better, but what kind of working style should he / she consider in his / her situation? Then think strategically where you should live. Move if necessary.

Text = Tokio Kodo [money guide]
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