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Mina Kiryu

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 · 9

A notebook and coin dish on a sunlit desk
Money & AI2026.09.21

What Is Moneymaxxing? Optimizing Options, Not Just Balances

Moneymaxxing isn't about growing the number. It's about widening the options your existing money can buy.

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A quiet desk scene suggesting payday automation
Money & AI2026.09.04

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.

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Desk with notebook and phone reviewing fixed costs
Money & AI2026.08.28

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.

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Stacked money books with coffee
Money & AI2026.07.31

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.

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Envelopes and a handwritten savings notebook
Money & AI2026.07.29

Sinking Funds: The FinTok Method for Predictable Surprises

Car inspections, holidays, birthdays — build monthly savings for predictable irregular expenses.

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Smartphone beside a kakeibo notebook
Money & AI2026.07.24

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.

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Ceramic piggy bank with stacked coins
Money & AI2026.07.22

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.

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Overhead view of coins, envelopes, and a notebook for household budgeting
Money & AI2026.07.15

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.

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Labeled envelopes with cash sorted by spending category on a clean table
Money & AI2026.06.09

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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