資本主義ハック 新しい経済の力を生き方に取り入れる30の視点

Review

I think it is not uncommon for all workers to think, "Is it okay to continue my current job?" "I have work tasks but no goals." It's supposed to be my life, but I don't feel like I can control it. You may find it hard to live while feeling that way.

The author of this book is Mr. Kazunari Tomita, who has produced bestsellers such as "Onikyu PDCA". Mr. Tomita, a former top salesman of Nomura Securities, a private banker who has been in charge of ultra-rich people, and a manager of a FinTech company listed on Mothers, said that "capital" is the key to regaining control of his life. It is said that it will be.

It seems self-evident because we live in a capitalist society, but how many people can really understand and utilize the mechanism? The author argues that by truly understanding the rules of capitalism and "hacking" them by taking them in the wrong direction or making holes in them, you will have the perspective of using the rules for yourself.

In this book, as 30 viewpoints for hacking capitalism, how to deepen your understanding of capital and increase your own capital is concretely introduced. If you can deal with capital well, you will be able to invest your time and money in what you really want to do. In the author's words, capitalism is for you.

The main points of this book

Point 1

If you want to live freely, you should consider not only trying to save money, but also increasing "capital".

Point 2

By knowing and hacking the characteristics of human capital, financial capital, fixed capital, and business capital, it is possible to explosively increase assets.

Point 3

If you ask for the size of the return, you will end up with business capital. When it comes to entrepreneurship, you can minimize risks if you do not neglect advance preparations, and if you can seize opportunities, you can aim for growth in the blue ceiling.

Understand how capitalism works

Increase "capital" and live freely

Understanding "capital" is indispensable for controlling and living one's life without being controlled by anything. Capital is, in textbook terms, a "mechanism that creates value." A factory that creates new products and a "stock" that owns a factory through the existence of a company are also one of the capital.

You yourself are also capital (human capital). You are "producing" value to others and society through tasks such as carrying luggage, making paperwork, and teaching someone knowledge. And the more you play that role, the more money and time you will have, and the greater your options and range of activities in your life.

In addition to human capital, there are "financial capital" such as stocks and receivables, "fixed capital" such as real estate and cars, and "business capital" such as company organization and business ideas. A good combination of these capitals will give you money and happiness that you can never do alone. Therefore, if you want to live freely, it is important not only to save money but also to think about increasing "capital".

Loop money / time / capital

Time and money tend to be obstacles to doing what you love. Although the importance of work-life balance has been pointed out for a long time, it does not seem to be realized by many people looking at "work and life" and "money and time" in a trade-off relationship. Probably because it is. Again, capital becomes important.

For example, let's say you invest in a dishwasher of 100,000 yen. Then, the 30 minutes it took to wash the dishes every day came to float, and I could go to the part in that time. You can earn 100,000 yen in three months, and then you can replace the time you spent washing dishes with your free time until the dishwasher broke.

In this way, if you increase money and time in the form of capital, you will get more money and you can use that money to buy time. Instead of thinking about money and time, if you combine capital and think in a loop of three, the situation will improve at once. This is the basic idea in a capitalist society.

Personal capitalist way of life

Capitalist societies have gone through three stages so far. "State capitalism" in which countries compete for wealth, "corporate capitalism" in which companies that innovate open up new paths for humankind, and "individual capitalism" that has arrived today.

Now that the information revolution has occurred, anyone can make sales. It's time for individuals to run their own lives as if they were running a company.

The existence of "capital" is indispensable in this era. It is now possible for individuals to generate money or buy time with money using new systems such as crowdsourcing and housekeeping services, instead of selling time to the company to make money. It was. In other words, you can own a "mechanism = capital" that makes money without selling your time, and you can spend your time on more innovative work and investment.

Dominate money games with arbitrage

What is arbitrage

Some may say, "I want to cherish my time rather than work hard for the company." But if you don't have to worry about money and just want to live on what you really like, you have to get results and increase your capital.

The key to winning a capitalist game is the idea of ​​"arbitrage," which uses information and cognitive distortions that others are unaware of. Where there is a difference in human perception, there is some chance.

Everything starts with "factorization"

This book introduces four perspectives necessary for performing arbitrage. In the summary, two perspectives will be taken up.

In order to perform arbitrage, it is first necessary to notice that "the surroundings are not aware". The only way to do that is to dig deeper and think more than others.

The author has come up with investment methods and business ideas by digging deeper and thinking. This method is called "factorization" in this book.

For example, suppose you want to maximize your sales repeaters. First, break down the entire sales process into processes such as "list", "approach", and "interview". Each process can be further broken down into "quantity x quality", and if each one is improved by 20%, the final result will be very different.

The point is to divide the factors roughly and then further divide each factor in the next hierarchy. Many people stop thinking at the 3rd stage, but if you consciously dig into the 5th stage, you should find a more concrete countermeasure.

"Remove the limiter" for the growth of the blue ceiling

Authors often use the term "remove limiter". Removing the limiter means setting a goal assuming that the limiter is removed, that is, "I have all the resources and do not set any restrictions" when setting a goal.

When you remove the limiter, you come up with goals that you wouldn't normally imagine. And by trial and error trying to achieve such a goal, we can come up with a solution that we have never thought of before.

After all, a person cannot be more than he or she is aiming for. Since the place we are aiming for is high, we can make efforts to close the gap with the present.

There are three tips for removing the limiter. Think of a drastic solution that will solve everything with one solution, choose a blue-ceilinged market, such as "get healthy" instead of "weight loss", and change the environment.

[Must read points!] Understand and increase the characteristics of 4 types of assets

Human capital

From here, we will divide personal assets into four categories: human capital, financial capital, fixed capital, and business capital, and introduce the hacking techniques for each.

First is human capital. Human capital is the "power to create value" that an individual has, and can be divided into three categories: knowledge / skills, credit / brand, and personal connections / networks.

As with any other capital, how to control time is important for expanding the scale of capital. No matter how high your skills are, if you have little time to work, you won't get big returns.

One way to spend more time on work is to outsource household chores and education. You can create as much time as you want by outsourcing what you don't have to do.

To create time, it is also effective to cherish time "while". Taking a nap during travel time or using the e-book reading function to input while exercising will allow you to spend many times more time than humans.

Financial capital

The reason why investment is not active in Japan is often the low financial literacy of the Japanese. But the author says it's a misunderstanding. According to the survey, there is no big difference in literacy between Americans and Japanese. The difference is confidence in financial knowledge. Here too, there is an arbitrage between the general dogma and the reality.

If you don't have a lot of assets, it's a good idea to aim for capital gains by "long-term holding of multiple emerging market stocks." With this investment method, you can aim for arbitrage.

Due to the weight of their responsibilities and the need for short-term results, professional investors can only make investments that are easy to be accountable or medium- to short-term. Individual investors who can wait patiently for price increases can significantly increase the probability of hitting the forecast, given long-term holdings.

Moreover, it is becoming less difficult to find a stock whose price will increase more than 10 times. Innovation is happening in every industry, and the direction of innovation can be predicted to some extent from the current state of technology. If you buy some that have some potential, you can assume that the probability of price increase is high.

Fixed capital

Fixed capital is capital that is used for a long period of time and whose value gradually shifts to products. This includes factory machines, personal computers used by employees, and company buildings.

In recent years, fixed capital has been changing. The development of the secondary market has given us more opportunities to come into contact with the concept of yield on fixed capital. For example, if you buy and use a luxury watch, you will not only get the emotions and experiences you get from using it, but you will also get a lot of money when you sell it a few years later. "The higher the price, the more it sells."

Fixed assets, once considered illiquid and non-golden assets, can now be leveraged on a variety of online platforms to increase their asset value and earn yields on an hourly basis. It has become. Airbnb and car sharing are good examples.

Business capital

If you ask for the size of the return, you will end up with business capital. The business capital of an individual is basically its own stock, but this is because it is the most leveraged of all assets. The value of a company's stock jumps when it goes public or is sold to a third party. Also, the credit to corporations is incomparably greater than that to individuals.

Most of the wealthy people with financial assets of more than 1 billion yen are owners and presidents, practitioners, or real estate managers. In other words, if you want to increase your assets to that scale, it is almost impossible without leveraging your business capital.

Some may find entrepreneurship high-risk and scary, but it's not. Risks can be minimized if preparations are not neglected, and if opportunities can be realized, the growth of the blue ceiling can be aimed at.

Recommendation of reading

From the perspective of the author, who is a financial professional, this book generously introduces concrete methods for increasing capital. The target range is from young people with little capital to wealthy people.

As an "appendix at the end of the book", a page that compactly summarizes the hacks introduced in this book is also included. You will surely find an opportunity to change your daily life.

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