Fresh graduate
Your first salary and lifelong habits.
Who this is for
You have started your first full-time job (新社会人) and are learning payslips, saving, and investing at once.
Your income is modest but your time horizon is enormous — which makes early habits worth more than a high salary later. A little invested now compounds for decades.
The first payslip is a great teacher: it shows tax, pension, and insurance in black and white. Understanding it turns "where did my money go" into a plan.
Your money priorities
- Read your payslip and understand each deduction
- Automate a small monthly saving from payday
- Open a NISA and start a low, steady tsumitate
- Get a first credit card and always pay in full
Watch out for
- Lifestyle inflation eats raises before you save them
- Resident tax starts in your second working year — plan for it
- Avoid revolving credit and high-fee savings-insurance products
Recommended courses
Budgeting and an emergency fund
A simple system to track spending, control fixed costs, and build a safety buffer before you invest.
Understanding Japanese taxes
Income tax, resident tax, the year-end adjustment, and the deductions most people leave on the table.
NISA foundations
Japan’s tax-free investment account: what it is, how the 2024 system works, and how to begin.
Investing 101 for beginners
Risk, diversification, index funds, and compounding — the durable ideas behind sensible investing.