Family overview

Yokohama household — Richard, Kayo, Mia (12) and Emi (7). Updated 2026-05-06.

Net wealth · today
¥50M
Projected peak ¥188M end 2033
Monthly run-rate
¥2.55M
vs ¥2.69M income · ¥500k savings target
Mia · plan
医学部 2033
TOMAS → MEDIC TOMAS · 高認 path
Emi · school
Move 2027
Path A vs B in progress · Caritas leads
教
Education
Schooling, goals, tutors, weekly schedule
Open

Mia's 7-year plan to 医学部 is committed. Emi's transition from Saint Maur to a new school in 2027 is decided in principle; destination and timing are the active work.

2Children
1Locked plan
1Active decision
¥
Finance
Income, expenses, 14-year wealth projection
Tracking

Salary alone runs a ¥451k/mo deficit; the June bonus closes it. 2 sale events expected ¥40M each (2027, 2029). Income halves from 2034. Plan still works through Mia's medical school + Emi's university.

¥32.3MAnnual income
¥6.0MSavings target / yr
¥152MWealth · end 2039

Top open decisions

Cross-section · what's actually moving
AreaDecisionStatusTarget by
Emi School from 2027 — Path A (Japanese w/ strong English, April entry) vs Path B (different international, Sept entry). Family lean Path A; Caritas Hiyoshi is the lead candidate. Researching · visits Sep–Oct 2026 Decision Nov 2026
Emi English supplementation — recommended starting point: Tutor Japan online subscription (¥30,800/mo). TOMAS English ruled out (wrong frame for an int-school child). Trial to book This term
Mia Iwasaki paperwork — confirm 中学校卒業証書 issuance Mar 2029 and documentation for 高認 + 共通テスト registration. To verify May–Jul 2026
Mia Restructure TOMAS plan with 担任 — expand to all 5 main subjects, quarterly progress reports, explicit pace markers. To schedule May–Jul 2026
Finance Add cat costs to monthly budget; define ¥100k cash for living expenses (relationship to ¥300k general living line). Open Next budget review
Finance Investment property analysis — Japan vs Australia, cash vs leverage, yields, tax. Not started TBD
Finance Tax-efficient gifting to kids — Japan ¥1.1M annual exemption + 名義預金 issue; sanity-check with accountant. Open TBD

This week's focus

Emi · education

  • Start daily home English routine (15-min read-aloud + 10-min her reading + 5-min chat) — see English study guide
  • Book Tutor Japan trial — request a tutor experienced with bilingual / Japanese-dominant kids
  • Begin shortlisting Path A schools (start with Caritas Hiyoshi research)
  • Confirm dance day/time and weekend violin / solfège slots

Mia · education

  • Verify Iwasaki paperwork pathway → 中学校卒業証書 → 高認 → 共通テスト
  • Restructure TOMAS plan with 担任 (5 subjects, quarterly reviews, pace markers)
  • Reframe Khan Academy as low-pressure curiosity, not homework
  • Book Eiken 準1級 for October 2026 sitting

Finance

  • Add cat costs (food, litter, vet, insurance) to monthly budget
  • Define what "¥100k cash for living expenses" covers — addition to or part of the ¥300k general living line?
  • Sanity-check eating-out target — going from "daily" to "every other day" is the biggest single behaviour change

Other

Sections to add as they come up: Health, Home / property, Travel, Family memories. Tell Claude when there's something worth tracking.

Key dates · all sections

May–Jul 2026Verify Iwasaki paperwork; restructure TOMAS plan; book Eiken
Jun 2026Emi turns 8
Sep–Oct 2026Emi school visits — open days, trial assessments
Oct 2026Mia sits Eiken 準1級 (age 13, 中1)
Oct 2026Mia turns 13
Nov 2026Emi school path decision (A or B); shortlist 2–3 schools
Nov–Dec 2026MEDIC TOMAS 医学部 ガイダンス at AP横浜 (free, validates path early)
Mar 2027Sale event 1: ¥40M (~95% probability)
Apr or Sep 2027Emi school transition
Mar 2028Mia: pre-高校 化学 + 生物 begin (most important start date in the 7-year plan)
Mar 2029Mia: 中学校卒業証書 from Iwasaki · Sale event 2: ¥40M
Apr 2030MEDIC TOMAS added (高2 — biggest provider transition)
Nov 2030Mia: 高認 sitting → 大学入学資格 unlocked
Jan 2033Mia: 共通テスト
Feb 2033Mia: 医学部 二次試験
Apr 2033Mia enters 医学部医学科
CY2034Income halves (anticipated career reduction)

Family Dashboard · Tell Claude what's changed and it will update.