Imagine earning over S$260,000 a year in passive income—enough to live a life of luxury without lifting a finger. Would you still clock in at a regular job? For one Japanese man, the answer is a resounding yes. Meet Koichi Matsubara, a 56-year-old janitor from Tokyo who has gone viral for his unconventional lifestyle. Despite raking in a staggering 30 million yen (S$262,000) annually from investments and rental properties, he continues to work four-hour shifts three times a week, cleaning and maintaining an apartment block. But here’s where it gets intriguing: his monthly salary of 100,000 yen (S$875) is a fraction of Tokyo’s average income of 350,000 yen (S$3,062). So, why does he do it? And this is the part most people miss—it’s not about the money for him anymore.
Matsubara’s story begins in humble circumstances. Raised in a single-parent household where every yen counted, he dreamed of financial independence. After secondary school, he worked in a factory, earning just 180,000 yen (S$1,574) monthly. But here’s the twist: his frugality became his superpower. Within years, he saved 3 million yen (S$26,246) and bought a studio flat during a housing market slump. “I avoided vacancies, paid off the mortgage early, and gradually expanded my properties,” he shared. Today, he owns seven rental flats in Tokyo and its suburbs, plus a portfolio of stocks and funds. Controversial take: Is his extreme frugality admirable, or does it border on deprivation? Let’s discuss in the comments.
Despite his wealth, Matsubara lives a remarkably simple life. He resides in an affordable flat, cooks his own meals, uses a basic smartphone, and cycles everywhere. And this is the part that sparks debate: he hasn’t bought new clothes in over a decade. For him, work isn’t about the paycheck—it’s about staying active, mentally sharp, and purposeful. “Cleaning every morning makes me feel good,” he said. At 60, he’ll receive his pension but plans to keep living modestly, avoiding the trappings of wealth. “I want to stay healthy, busy, and independent,” he added.
Netizens have dubbed him an “invisible millionaire,” praising his financial discipline and lifestyle choices. But here’s a thought-provoking question: In a world obsessed with material success, is Matsubara’s approach a refreshing reminder of what truly matters, or does it raise questions about the balance between wealth and enjoyment? Share your thoughts below. His story challenges us to rethink our relationship with money, work, and happiness—and that’s a conversation worth having.
