Key Facts
• Born in the job-hunting ice age era (1993–2004), faced severe employment challenges.
• Started working at a food company with a take-home pay of about 1.7 million yen/month.
• Maintained annual savings of 1 million yen, reaching 10 million yen by his 30s.
• Invested steadily in high-dividend stocks, holding about 216 stocks.
• Experienced major loss during Lehman Shock investing in Chinese stocks.
• Retired at age 49 in 2025 with assets of approximately 83 million yen.
• Current assets around 98 million yen; monthly dividend income about 190,000 yen (2.3 million yen/year after tax).
• Monthly living expenses approximately 100,000 yen, covered by dividends without touching principal.
• Monthly rent 53,000 yen for a 1K apartment (25.92 sqm) in Osaka.
• Prioritized spending: (1) investment, (2) rent, (3) food.
• Daily asset fluctuations can reach 2 million yen, but remains calm.
• Health-focused lifestyle includes cycling, YouTube exercise, and medical checkups.
• Enjoys low-cost “cat activities” for happiness, funded by shareholder perks and discount stores.
• Concerns include inflation, rent increases, and higher taxes on financial income.
• Plans to switch to higher dividend stocks or work as Uber Eats delivery if needed.
• Values “time” over money, enjoying full mornings post-retirement compared to 3 hours/day previously.
Summary
In the face of Japan’s job-hunting ice age, Inorin, a former food company employee, saved diligently despite a low annual income in the 2 million yen range. By consistently saving 1 million yen yearly and investing primarily in diversified high-dividend stocks, he accumulated approximately 83 million yen by age 49 and retired early in 2025. His current assets stand near 98 million yen, generating enough dividend income to cover his modest monthly expenses of about 100,000 yen, including rent and food. Inorin maintains a frugal lifestyle with a 1K apartment in Osaka, prioritizing investment, rent, and food. He embraces a health-conscious routine and finds joy in low-cost hobbies like spending time with neighborhood cats. Despite concerns about inflation and tax changes, he remains composed and prepared to adapt his investment strategy or take on delivery work if necessary. Above all, Inorin treasures the freedom of time gained through early retirement, highlighting a modern approach to financial independence and quality of life.
