My younger sister was investing points

Hello. I'm Nanaya, a university student.
For the first time in a week, I went out to eat with my family.

My home and my parents' house are about a 40-minute drive apart. Because of that, we can meet up quite easily on weekends.
It's a distance that's neither too close nor too far—just right. (That's why my cooking skills never improve, and I have no motivation to make them improve. I'm completely spoiled...^^;)

The place we went to this time was Flying Garden. As we all ate hamburger steaks, we started catching up on each other's lives.
How have you been lately, how's school, how's work, and so on. It was a normal family conversation.

……Or at least it should have been, but for some reason, the topic shifted halfway through to "talk about investing".
Talk about investing at a family dinner table.
Wait, was my family always like this?
No, I think we probably were.
Thinking back, even before I left home, investment topics came up quite often in our house.

NISA, investment trusts, shareholder perks, the S&P 500, and so on.
If you live in an environment where people around you (mainly my father) are constantly making noise about "NISA," "investing," or "long-term management," then I suppose this is the natural result.
Actually, it's a natural progression.

In the midst of all that, the one who surprised me the most was my younger sister.
My sister was investing in the S&P 500 using PayPay points.

My sister is only 17. She's a high school student.
Aren't high school students supposed to talk more about things like friends, tests, or their favorite idols?
No, of course we talked about those things too, but the shock of this was just too great.

At the very least, I wasn't using the term "S&P 500" in daily conversation when I was in high school.
When I saved up points, I'd buy snacks.
I'd go out for crepes or ramen with friends after club activities.
I lived in that kind of world.

And yet, my sister, a Reiwa-era high school student, is dumping her PayPay points into the S&P 500.
I was horrified.
Is this what high school students are like these days (no, I was a Reiwa-era high school student a few years ago and I wasn't like that at all). Is it just because she's my sister?

I knew she had a securities account because my father was managing her Junior NISA, so I knew the account existed.
But I thought that was strictly "something my father was doing."
I never imagined she was voluntarily investing points herself.
Moreover, it was news to our parents too, and they burst out laughing.

"Wait, you were doing that?"
"Yeah."
"Since when?"
"Since quite a while ago"
Since quite a while ago.

When a high school student says, "I've been doing the S&P 500 for quite a while," it has quite a destructive impact.
I was completely lagging behind my sister.

And shamefully, I had my younger sister teach me how to invest points with PayPay.

A fourth-year university student, being taught asset management by her high school sister.
Times have changed.
By the way, it seems you need to register your My Number card.
The fact that she's doing even that properly is also slowly creeping me out.

After that, the topic shifted to individual stocks.
I have a dream that I've been secretly holding for a long time.
That is, to own 500 shares of Colowide and eat steak at Steak Miya using the shareholder perks.

Why Steak Miya?
Because I've been going to Steak Miya with my family on weekends since I was little.
That indescribable sense of something special.
The happiness of the day when we were told, "We're going to Steak Miya today."
The sound of the steak being brought out on an iron plate.
My childhood weekend memories are packed in there.

That's why, now that I'm an adult, I want to go to Steak Miya again.
It's not about profits or efficiency or anything like that.
It's just a company I want to support.

Of course, those who are knowledgeable might think, "Wouldn't Atom be fine too?" (By the way, Atom Corporation is a subsidiary of Colowide Corporation.)
I understand what you're trying to say.
But Colowide gives you more points, so I prefer Colowide. I am truly faithful to my desires.
I'd like both if possible, though.

Meanwhile, my sister seems interested in Seijo Ishii.
Apparently, it's because their rusks are delicious. That's a cute reason.
It seems she's targeting it because the price is going up.

A dinner table where my high school sister says, "Seijo Ishii is going up, so I really should have bought it."

...Something is definitely wrong.
But when I think about it, I was raised in that kind of house, so it can't be helped. My sister also had one foot firmly in the world of finance.
Family environment is amazing.

As we were talking about perks, individual stocks, Seijo Ishii, and Steak Miya, my father said one thing.
"Your money will grow more with the S&P 500 than by buying individual stocks for perks."
Too true.
It was such a logical argument.

Dreams, memories, wanting to eat steak with shareholder perks—the S&P 500 punched all those sentiments right in the face.

I know.
I know, but even so, I still want to eat steak at Steak Miya.

Rationality is important for asset building.
But memories are also important for life.
Thinking such convenient thoughts, we eventually decided that day, "Let's go to Steak Miya soon."
Because I talked about Steak Miya way too much.

From talking about investments, we eventually made plans to go to Steak Miya.
I'm looking forward to that now.

I was horrified that my high school sister was investing in the S&P 500 with PayPay points.
But when I think about it calmly, the fact that my sister started point investing on her own might have been very natural in a way.
My sister is going to be quite strong in the future. Too strong.

And as for me, I'll do my best, starting by steadily filling up my NISA tax-free allowance while dreaming of steak.