From our other sites
The story
In response to the simple question “How much do you have saved?,” 5ch users piled in with specific figures one after another. The range ran wide — from cash savings in the low millions of yen, to tens of millions built up through stock investing, to a post claiming a ¥300 million inheritance from a parent — and plenty of replies openly doubted whether these claims were true. The thread then veered into how to actually pay inheritance tax on inherited real estate, with users discussing the deferred-payment system and renouncing an inheritance altogether. Also mixed in: a confession from someone whose sense of money got warped after their income topped ¥10 million for the first time, and a hard-luck story from a former insurance salesperson.
What people said
That's monster money
How'd you build that up?
Just regular saving and investing
Well, I'm single in my 40s, so I'm a "loser" 🥺 (self-deprecating slang for unmarried men seen as societal failures)
On this board, that's still nothing (presumably ¥27 million, with the "man"/10,000 unit dropped)
W-whoa… lol
Earned another ¥200 million myself
From here on I can just live off passive income
Bottom line, that's basically everyone
WOOOOOOOOO
That's badass!
No way anyone's actually posting proof…
If these guys could post proof, pigs would fly tomorrow
(For context: I'm a virgin NEET shut-in)
You clearly don't know the dark side of inheritance
Money doesn't just magically land in your lap like that
Inheritance tax is a weakening device GHQ planted in Japan
It's become completely normal to have to sell the company or land you inherited just to cover the inheritance tax
Because you can't pay it unless it's in cash
Meanwhile, politicians apparently pay zero inheritance tax
Don't just drop something that pisses me off out of nowhere, damn it!
This is supposed to be a thread for bragging about income and savings — don't suddenly hit us with uncomfortable truths, it's infuriating
If what you're inheriting is cash, you can just pay the tax out of the money you received, no problem
Obviously we should exclude the average-wrecking bullshit posts like
>37
>32
>27
>20
>17
>14
>11, right?
Stocks: about ¥7 million
Want even more though
If you've got ¥1 million, that's plenty! Baldy
Still, lying anonymously doesn't accomplish anything, it's just empty
In that case, can you show proof of that bank passbook with around ¥85 million in it?
Nope, not gonna
It's pointless, a hassle, and nothing but risk
I've got just over ¥100 million, but only about ¥30 million of that is in bank deposits — the rest is sitting in investment trusts and NISA accounts, untouched.
Since deposit insurance only covers up to ¥10 million, I doubt many people keep something like ¥80 million in a single bank.
Then what about the land and the building? What are you supposed to do about those?
It'd be hilarious if Re: #1, who's married, turns out to have a grand total net worth of like ¥690
But I'm buying a ¥1.5 million PC to go with GTA6
And that's just fine by me
Won't that leave you struggling to get by?
If you can't pay, just sell the inherited land to cover it
Re: #47
What if you want to inherit land and a building from your parents but can't afford the tax on it?
Isn't renouncing the inheritance the only option?
Use the deferred-payment system and pay it off in installments
I'm a blue-collar worker myself making ¥3 million a year, so most of it's from inheritance
Grateful my parents owned their home outright with zero debt
Where did the capital for that company come from? When, and how?
Probably because even if you inherit land, it takes time to turn it into cash?
If anything, it'd be worrying if you couldn't even afford that much
What if you don't have any cash savings?
It's messing with my sense of money
I feel you, buddy
I screwed up too — ended up at a brutally abusive company working as an insurance salesman for a major life insurer
Over 3 years: ¥40 million in sales/commission on insurance premiums, a nominal annual salary of ¥10 million but take-home of only ¥6 million, which plunged me into dire poverty — that fatal blow is what made me switch jobs
After moving to a competitor in the same industry, my annual income recovered to over ¥7 million every year since. Best decision ever
Background and Key Points on This Topic
Threads asking “how much have you saved?” are a 5ch staple, and the unspoken rule is to take them with a huge grain of salt. True to form, one reply here dismissed the “¥300 million inheritance” post as “basically a lie,” underscoring that the whole thread runs on self-reported, unverifiable claims. That said, the discussion around inheritance tax is grounded in real practice: when inherited assets aren’t cash, options like paying in installments through the deferred-payment system, or renouncing the inheritance entirely if the burden is too much, genuinely exist. The claim that GHQ (the postwar Allied occupation authority) deliberately planted the inheritance tax to weaken Japan is nothing more than an urban legend — the current inheritance tax system was actually built up through postwar tax reforms. Also worth noting: since posters don’t distinguish between “savings,” “assets,” “annual income,” and “take-home pay,” the same figure of “¥100 million” can mean very different things depending on whether it’s cash deposits or total assets including investment funds — something to keep in mind while reading.
*This article is excerpted and summarized from the 5ch (Hardware/Industry, aka “Geha”) board thread “[For Geha Folks] How Much Have You Got Saved? [Nest Egg].”
Leave a Reply