◆ Is it an era of full-time employees?
A regular employee who may be one of the weakest forms of employment in the future. Why is once-admired regular employment an increasingly demanding form?
The first thing we can say is the increase in social security costs. Salarymen, unlike self-employed and entrepreneurs, have their social insurance premiums deducted from their salary regardless of whether they are present or not. Moreover, the burden is rising every year, and in the future it is likely to reach about 40% of the total income by deduction alone.
A person with an annual income of 5 million yen will earn 3 million yen by taking it, and looking at disposable income alone will be no different from a freeter.
Yet, they are exhausted by the rush of commuting, are detained by the company for long periods of time, and are able to prioritize achieving their goals over their life goals. And there are quotas and pressures.
Like parts and bytes, you can't set up shifts freely at your own convenience. Of course, the best people and those who have chosen a profession that matches their aptitude will have a certain degree of happiness. However, many people feel that this is not the case, judging from the information abounding in the world.
In fact, there are criticisms that I write books and columns and give lectures because I do not make a profit, but this wonderful job of doing whatever I want and getting the money There is no reason not to do it.
That's what I think because I think that work is a penance and that if you have money you should quit the company.
If so, what is a regular employee? It simply means that it is hard to be fired, or that it is worth the retirement pension increase and the level of security.
◆ The rise of NEET investors and NEET entrepreneurs
On the other hand, what is gaining momentum are neat investors and neat entrepreneurs. A neat investor is a person who withdraws and manages assets. Neat entrepreneurs are those who do business withdrawal.
Now, such people are increasing by eel. It is thanks to the Internet. Neat investors can trade in front of a PC, so they don't have to go out. Now you can lay on the beach and trade with a smartphone.
I heard from a fellow investor that his acquaintance [Japanese] moved his family to Guanajuato, a Mexican plateau city, after raising his wealth to 500 million yen through stock investment.
It is a scenic sightseeing spot where the climate is warm and easy to spend, at 23 degrees in summer and about 14 degrees in winter, and the medieval cityscape still remains.
Unlike Mexico City, the capital city, it is safe and prices are very low, about one-tenth of Japan. He visited and loved traveling, and he emigrated.
It seems that if you have 300 yen, you can have a luxurious meal, and if you pay 50,000 yen per month, you can rent a luxurious rental property. The monthly cost of living does not cost 100,000 yen.
His work tools are only one personal computer connected to the net, but he buys and sells stock a little in the morning and afternoon, and he spends time with his wife and children.
When I heard this story, I felt that individual investors were, in a sense, one of the strongest attributes. You can live freely without being bound or dependent on anyone.
◆ Neat entrepreneurs
In addition, the Internet has developed new ways of earning. That is "net business." This doesn't just mean replacing the business that was once real with the Internet.
I myself started publishing from my own e-mail magazine, and there are a lot of people who are Twitter and become journalists or bloggers to entrepreneurs.
Yes, there may be luck, ability, and timing, but it means everyone has a chance.
In addition, if you upload videos to YouTube and view / play back many times, you know that you can earn advertising revenue.
Now you can record high-definition video on your smartphone, so you no longer need expensive equipment. Free software is also available for video editing. Of course, uploading videos is also free.
That's why YouTuber is making a living, but I don't really understand how interesting videos are being uploaded.
However, there are people in the world who find it interesting, for example, a 16-year-old U.S. YouTube contest video shows 580 million views and earns 12.5 million yen annually.
Also, college girls in Australia take advantage of their major in journalism to provide videos of useful daily information such as health, manners, and food. This does not mean anything special, but the number of views is 280 million and the annual income is 8.6 million yen.
Videos have a strong affinity with social media, and if there are interesting videos, they will be easily shared. Furthermore, Japanese content is difficult to distribute to Japanese people only, but video is different from text in that it easily crosses borders and the number of views jumps instantly.
And thanks to the internet, I can make this way. It doesn't matter if you're a full-time employee or a part-time worker.
Perhaps withdrawal neats have more time, so you can take on various challenges and get interesting ideas that ordinary people cannot.
Aside from the withdrawal style, this is an era where you can live in a variety of ways without having to worry about the type of employment.
Text = Tokio Kodo [money guide]