Editor-in-Chief / Money & Household Finance
Mina Kiryu
Tokyo, Japan · Tokyo Decoded editorial team
Born in Tokyo. Mina covers the systems behind saving — from Japan's century-old kakeibo culture to sinking funds and pay-yourself-first — and translates them for Japanese households. She owns the editorial rule that every figure traces back to a primary source.
- Household budgeting
- Savings systems
- Fixed-cost audits
- Budgeting apps
Articles by Mina Kiryu · 8
Pay Yourself First: Automate Your Savings Before You Spend
Failing to save isn't willpower—it's sequencing. Build an automatic system that moves money on payday.
Read more →Subscription Audit: Cut the Unused from Your ¥4,815 Monthly Spend
Japan's average subscriber pays ¥4,815 monthly — 19.1% have forgotten to cancel one. Here's how to audit and cancel.
Read more →Money Anxiety Reading List: 5 Books That Actually Help in 2026
Money dysmorphia, revenge saving — five books that turn financial anxiety into knowledge you can use.
Read more →Sinking Funds: The FinTok Method for Predictable Surprises
Car inspections, holidays, birthdays — build monthly savings for predictable irregular expenses.
Read more →Kakeibo App Comparison: 4 Money Apps to Quiet Financial Anxiety
Comparing 4 kakeibo apps by the anxiety they solve: Money Forward ME, Zaim, OsidOri, Moneytree.
Read more →Revenge Saving: The New Money Habit Pushing US Savings Rate to 4.9%
The anti-splurge movement sweeping the US in 2025, and why Japan was ready for it all along.
Read more →The 2026 Guide to Global Money Trends: From Loud Budgeting to Cash Stuffing
Loud Budgeting, Soft Saving, Cash Stuffing — a single map of the money trends born overseas. Which one fits you, and how to actually practice it in Japan.
Read more →Cash Stuffing: The TikTok Budget Trend That Japan Invented Decades Ago
Cash Stuffing has 500M TikTok views. Japan's been doing the same thing — called fukuro-wake kakeibo — for generations. Here's why it works.
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