E-book · PDF + web book · 348 pages
Two Engines
Why company growth and personal wealth work differently, and how wealthy owners pay for their lives and keep growing
Your e-book appears in your account straight after payment. Digital products are non-refundable once downloaded. See the Refund Policy.
Free on the Business plan. On every other plan it is bought separately. Compare plans
Two Engines is for business owners and professionals, especially in Japan. A company grows by keeping and reinvesting its profit. A person grows wealth by spending less than they earn and investing the difference. Mixing the two engines is the most common and most expensive mistake owners make. This book explains how each engine works, how owners get paid under Japan's 2026 rules, how wealthy people really pay for their lives, and how to grow both engines without putting either at risk.
What you get
- A 348-page fillable PDF. Type your answers into the worksheets, or print it.
- The interactive web version. Search the whole book, take the quizzes and fill in the worksheets; your answers are saved in your browser and you can export them. Open it from your account after purchase.
- 152 sources, every one cited. Every number, tax rate, law, study result and date carries a citation, with the full reference and a link in the notes, including Japan's laws and National Tax Agency guidance. The sources were checked in September and October 2026.
What the book covers
- Part 1, Two Different Engines. Revenue, profit and cash; how companies grow; how people grow wealth; and why mixing the two is dangerous.
- Part 2, How Owners Get Paid. Directors' pay rules, social insurance, dividends, bonuses, retained profit, the retirement allowance and legal company benefits in 2026, and the line you must not cross.
- Part 3, How the Rich Fund Their Lives. Living below your means, income from assets, borrowing against assets and why Japan is different, why one company is not a portfolio, insurance and personal guarantees, and debt.
- Part 4, Growing Both Engines. Capital allocation, when to incorporate, holding companies, personal growth and company growth, time, succession and inheritance, giving, and your own two-engine plan.
Every chapter explains the rules or the evidence, and ends with a worksheet, key takeaways and a three-question quiz.
Also inside
A quick reference to Japan's 2026 tax figures with their sources; an owner's calendar, month by month; planning worksheets for your balance sheet, company dashboard, pay plan and three-year targets; more than 30 worksheets in all; and a glossary of 79 terms.
Before you buy
- This book is education, not tax, legal, investment or financial advice. Confirm your own situation with a licensed tax accountant (税理士), a lawyer or a financial professional before you act.
- Japanese tax rules change every year. The figures are those in force or enacted as of October 2026, and the book points out the ones that change on later dates.
- Everything in the book is about legal planning.
- Investing involves risk, including the loss of the money you invest.
Free on the Business plan. Digital products are non-refundable once downloaded; see the Refund Policy.