[#04 Part 3 First Half] 3 Stories of Lives Changed by an FP

~How a family that had given up, saying 'Education costs for three kids... it's impossible,' regained hope~

This story is about
Mr. Yamada (a pseudonym), a 35-year-old father raising three children.

When he came for a consultation,
he had an expression that was truly 'on the verge of a breakdown'.

■ 'Private school is impossible. I feel so sorry for my children.'

With a deep sigh, Mr. Yamada began to speak.

His voice was trembling slightly, and
I could tell that his 'sense of responsibility as a father' was tightening his chest.

However, I know this.

The anxiety over education costs is
not a 'problem of ability'
nor a 'problem of income', but

the problem is 'carrying it alone without knowing the facts'.

■ 'How much money is actually needed for education?'

This was what Mr. Yamada was particularly anxious about.

Not general theories, but
'how much is needed for my own family?'
He had absolutely no idea.

• Eldest son: 8 years old

• Second son: 5 years old

• Third son: 3 years old

Based on this, I told him:

Mr. Yamada
seemed to relax his shoulders just a little bit.

■ The true nature of 'Education costs = vague fear'

Anxieties regarding education expenses can be broadly divided into two categories.

1. The amount is 'invisible'

-> Not knowing what or how to prepare
-> As a result, anxiety is always lingering

2. The preparation method is 'unknown'

-> Insurance? Investment? Savings? Education funds?
-> Too much information to make a decision

When these two overlap,
the future looks pitch black.

Mr. Yamada was exactly in a state of
'drowning in a sea of information'.

■ 'Let's start by correctly understanding the reality'

I organized the education expenses for his three children along a
18-year timeline.

• Kindergarten

• Elementary school (public/private)

• Junior high school (public/private)

• High school (public/private)

• University (national/public, private liberal arts, private science)

It was here that Mr. Yamada finally understood the fact that
'education expenses are not a one-time event, but come in waves'.

Then he said quietly,

Exactly.
Education expenses cannot be seen just by looking at the 'cumulative total'.

When and how much is needed.
Once you know that, more than half of the fear disappears.

■ 'You've done a great job holding it together on your own until now'

As we organized his children's education expenses,
Mr. Yamada's expression changed many times.

• Surprise

• Relief

• And then, regret

At one point, he whispered in a small voice.

I nodded gently.

At that moment,
tears welled up in Mr. Yamada's eyes.

■ From here on, the education expenses for three children turn into a 'map for a bright future'

In this first part,

• The true nature of anxiety over education expenses

• How much Mr. Yamada was suffering

• Why education expenses become an 'invisible fear'

were the main focus.

In the next part,

• Specifically 'how much is needed'

• How we went about preparing for it

• In what order we started the savings plan

• How to protect both education expenses and retirement funds at the same time

• How we created a 18 million yen plan for three children

and more, I will carefully explain the “process of turning hopes into reality”🕊️

#EducationExpenseWorries
#RaisingThreeChildren
#FamilyFinances
#ChildrensFuture
#VisualizingMoney
#NumbersAreYourAlly
#EasingFinancialAnxiety
#SeeingTheFuture
#OrganizingLife
#MomFP