The strongest qualification in life is "FP Level 2". To the fool walking naked in capitalism.
He is an FP1級 (Financial Planner Level 1) who manages assets of 150 million yen. I hold qualifications such as FP1級 and real estate agent, but when asked, “What is the most recommended qualification in life?” I would answer without hesitation: FP2級 is the one and only.
Don’t misunderstand. This is not a credential to increase income through aggressive means. It is a qualification to build a rock-solid defense to survive in the merciless game of capitalism. This time, I will explain why FP2級 is an essential subject for modern people.
Walking the battlefield with nothing but your bare skin is suicide
You may not have realized it, but the world is full of traps. Rip-off insurance targeting the financially naive, investment trusts full of fees recommended by smiling bankers, dubious tax-saving schemes, and the nightmare of newly built single-room apartments I have warned about many times.
To go out into society without this financial knowledge is the same as walking across a battlefield where bullets are flying with a naked body. Without knowledge as armor, you will be targeted by vendors and the state as if by snipers, and you will die having not even noticed that your assets are bleeding.
Before you seek a “sword,” pick up a “shield”
Many people chase only offensive power (a sword) such as ways to make money or side jobs. But the order is reversed. Like watering a bucket with holes is pointless, without the power to protect, assets will not accumulate.
In the process of learning FP2級, the very rulebook of capitalism—taxes, real estate, inheritance, insurance, financial assets—gets installed in your head. The financial literacy that had been dormant until now forcibly blooms. This will become the strongest shield to protect you from exploitation.
“Not knowing” is a crime and a fine
I know it’s harsh to say, but in capitalism “being unaware” is not acceptable. Ignorance is a crime. And the punishment for that crime is continually paid as a fine called “exploitation.”
Missing out on year-end adjustments, paying unnecessary insurance premiums, being deceived by salespeople—this is all the result of your own neglect to study.
Conclusion
I won’t say it’s bad to pursue money. Before wandering the internet in search of a sword to earn with, first pick up a shield to protect yourself.
Without delay, go to a bookstore now and buy FP2級 textbooks. That few-thousand-yen investment and study time will become defense funds worth millions or tens of millions in the future and will save your life.
