An article about Kenta Sato (pseudonym, 43), a former employee at a foreign-affiliated company who retired via FIRE with ¥120 million in assets and is now living a lonely life, became a hot topic on 5ch. The thread saw a string of comments questioning the article’s credibility, and it evolved into a discussion about semiconductor stocks after one investor confessed that a stock crash had shrunk their assets from ¥220 million down to ¥90 million.
“This way, I can live out my whole life without ever having to bow my head to anyone.”
Kenta Sato (pseudonym, 43) retired from a foreign-affiliated company in Tokyo. At the time, his assets totaled ¥120 million. It was a decision made in strict accordance with the “4% Rule” — investing his assets to earn a 4% annual return and using that income to cover a year’s living expenses.
He’d projected annual investment returns of around ¥4 million, against annual living costs of roughly ¥3 million. His rented apartment ran ¥110,000 a month, groceries about ¥30,000 a month, and even factoring in utilities and phone/internet bills, he kept his total monthly spending under ¥250,000.
Source: news.yahoo.co.jp / Original article here
22AnonymousAug 22, 2026 08:36
There sure are more and more of these 'venting fodder for the poor' articles lately, huh.
23AnonymousAug 22, 2026 08:37
Re: #22
What's weird is that nothing about it feels off when you read it normally.
It's written unconvincingly enough that you couldn't be fooled even if you wanted to be.
25AnonymousAug 22, 2026 08:38
Up until two months ago I had ¥220 million in assets.
But thanks to the recent crash, I'm down to just ¥90 million now.
Funny thing is, I'm still up compared to last year, but right now all I feel is despair.
All I do is regret not still having that ¥220 million.
Being scared to spend money — that's a real thing, I'm telling you.
29AnonymousAug 22, 2026 08:39
Re: #25
What kind of portfolio were you even running?
Memory chips?
34AnonymousAug 22, 2026 08:46
Re: #25
Nice.
Life's more fun when it's got that much drama, right?
Not trying to troll you here.
30AnonymousAug 22, 2026 08:41
Re: #29
Kioxia.
Data Section.
SoftBank Group.
Those are my main holdings.
Still holding all of them now, too.
To make room for them, I sold off trading-house stocks I swore I'd hold for life.
That's part of what's killing me too.
33AnonymousAug 22, 2026 08:45
Re: #30
Sounds like you'll be back to ¥220 million within a year.
I've been 80% NVIDIA for a few years now.
Getting crushed on performance by you memory-chip guys though.
36AnonymousAug 22, 2026 08:48
Re: #33
NVIDIA's earnings this week are seriously stressing me out.
Everything's been sliding lately, and 'announce a huge investment, then crash' has basically been the trend all summer.
40AnonymousAug 22, 2026 08:49
Re: #36
Yeah, it'll probably dip.
But it'll hit new highs again in a couple months, so it's probably fine.
37AnonymousAug 22, 2026 08:49
Having the money and being able to choose your own path from here already makes you happier than someone grinding away at a dead-end part-time job with nobody ever giving them credit for it.
42AnonymousAug 22, 2026 08:51
Re: #37
Even if it looks like happiness from the outside, if you feel unhappy, then it's unhappiness, isn't it.
Even a dead-end part-timer wins if they feel happy.
43AnonymousAug 22, 2026 08:52
FIRE assumes you'll keep managing your own investments, but can you actually do that competently once you're old? There are already plenty of people out there complaining they can't even set up a passkey.
44AnonymousAug 22, 2026 08:53
Re: #43
Once your brain stops working right, you can just switch to index funds and draw down a fixed amount each year.
45AnonymousAug 22, 2026 08:54
Doesn't he use X (Twitter)? He could connect with people over shared hobbies there, separate from real life — he really should just get on X.
46AnonymousAug 22, 2026 08:55
Re: #45
Does he actually meet people in person, though?
49AnonymousAug 22, 2026 08:59
Did they even really interview anyone for this? Am I the only one who thinks it's fiction?
51AnonymousAug 22, 2026 09:01
Re: #49
Guys like me who turned into minor stock-market nouveau riche are dying to brag about it, so finding someone to interview would be easy.
50AnonymousAug 22, 2026 09:01
They're all saying semiconductors are done, never going up again.
That's the reverse shoeshine-boy signal right there (the old theory that when even the shoeshine boy is giving stock tips, it's time to sell — inverted here, so universal pessimism means it's about to bottom out).
Which is exactly why it's going to go up.
However you slice it — future potential, profitability, staying power — if you're doing value investing, where else would you even put your money besides semiconductor stocks? That's how I see it.
Unlike the AI bubble, they're not overpriced at all.
But my mental state can barely handle this recent drop.
53AnonymousAug 22, 2026 09:02
Re: #50
Same here.
Hold, hold, and hold some more.
61AnonymousAug 22, 2026 09:08
Re: #50
Long term, semiconductors can only go up.
If it's a spot holding, just hold and forget about it.
62AnonymousAug 22, 2026 09:10
Re: #50
Going forward,
there's no version of society that doesn't run on semiconductors.
Demand is never going away.
It'll just keep cycling up and down,
so hold through the dips.
And yeah, 'where else would you even invest' — I think that's exactly right.
54AnonymousAug 22, 2026 09:02
Re: #51
Straight-up bragging just comes off as obnoxious, so it's not winning you any fans lol
55AnonymousAug 22, 2026 09:04
Re: #54
It's a humblebrag, plain and simple. That's all this is.
56AnonymousAug 22, 2026 09:05
Not having stable income is stressful either way, though. Maybe once you blow past ¥300 or ¥500 million it stops mattering.
60AnonymousAug 22, 2026 09:07
Re: #56
End goal is ¥10 million a year in dividend income.
64AnonymousAug 22, 2026 09:18
If you've got ¥100 million, you shouldn't need to pinch pennies that hard to get by.
68AnonymousAug 22, 2026 09:21
Re: #64
At that point it's basically growing on autopilot.
71AnonymousAug 22, 2026 09:25
Even with zero real-life social life, you can get all the communication you need just by clowning around on nanJ (a rowdy 5ch discussion board).
72AnonymousAug 22, 2026 09:26
Re: #71
That's probably why this generation won't be wandering the streets looking for someone to talk to as much once they're old, unlike now.
82AnonymousAug 22, 2026 09:38
That's fine by me, honestly, people are a hassle. Though… would you actually lose your mind if you ended up like the guy in this story (if it's even real)?
87AnonymousAug 22, 2026 09:48
Re: #82
There's this theory that FIRE drives you crazy with loneliness, but isn't it the same with regular retirement? Feels like it's just happening a bit earlier, that's all.
90AnonymousAug 22, 2026 09:50
You guys are literally talking to people right now on 5ch. The guy in this story is probably someone who doesn't even have that.
92AnonymousAug 22, 2026 09:52
Re: #90
Which raises the question of what happens once you actually hit retirement age. Doesn't that mean this guy's fate is to eventually lose it too?
98AnonymousAug 22, 2026 09:56
There's a ton of articles like this. Must be huge demand for them — or really, people are probably just opening them to kill time at the office.
100AnonymousAug 22, 2026 09:58
Re: #98
Anyone reading stuff like this isn't gonna end up happy.
101AnonymousAug 22, 2026 09:58
Re: #98
It's probably comfort content for people at the bottom who'll never manage to FIRE.
103AnonymousAug 22, 2026 09:59
Re: #98
Not really any different from a gambling article, at its core.
106AnonymousAug 22, 2026 10:02
Lately there are a lot of articles pushing the 'FIRE is a bad idea' angle.
107AnonymousAug 22, 2026 10:03
Re: #106
The articles themselves trickle out to match demand, but is it the same guy bringing them to nanJ every time, I wonder?
109AnonymousAug 22, 2026 10:04
Re: #106
Which just proves FIRE is the right call.
Background and Key Points
The FIRE movement’s “4% Rule” comes from the 1990s Trinity Study, which tested how long a US stock/bond portfolio could sustain 4% annual withdrawals; it was never designed around Japan’s tax code or its decades of near-zero interest rates, so importing it wholesale is riskier than the thread lets on. In Japan, realized capital gains and dividends are taxed at a flat 20.315%, meaning Sato’s stated ¥4 million target return would need to be noticeably higher before tax to net ¥3 million in living expenses — a detail the article and thread both skip. Also unmentioned is NISA, Japan’s tax-exempt investment account explicitly designed for long-term individual investors; any serious FIRE planning discussion in Japan would normally center on maximizing NISA space, yet nobody in the thread brings it up.
The thread didn’t really argue about loneliness at all — commenters largely accepted or shrugged off that premise (some even noted regular retirees face the same isolation, just later). What it actually split on was authenticity: whether “Kenta Sato” is a real interview subject or a fabricated “content for envious have-nots” piece, a genre posters say is proliferating on Yahoo News. From there the thread abandoned the original topic entirely, turning into a confessional/bragging session about semiconductor holdings (Kioxia, SoftBank, memory chips, Nvidia), with genuine anxiety over recent price crashes eroding paper fortunes far larger than Sato’s ¥120 million.
Readers should also note nanJ is a rowdy, jokey subforum of 5ch, so the skepticism and bragging tone reflect that culture as much as the topic itself.
*This article is compiled from excerpts and a summary of the 5ch (nanJ) thread “[Tragic] 43-Year-Old Single Man Who FIRE’d With ¥120 Million Loses His Mind From Overwhelming Loneliness, Not Talking to a Soul…”.