Monthly 200,000 Yen Deficit: Our 9 Million Yen Household Income Collapsed After Having a Child [Housing Loan] [Household Budget Revealed]

A couple who took out a 52.8 million yen housing loan (5.8 times their annual income) with a household income of 9 million yen faced a large monthly deficit of 200,000 yen after their child was born.

The main reasons for their net monthly income plummeting from 550,000 yen to 350,000 yen were the wife's zero income due to maternity/childcare leave and the husband's allowance cuts from declining overtime/holiday work to prioritize family time.

Food expenses doubled from 50,000 yen to 110,000 yen per month because the husband, unable to cook, stopped preparing meals at home and relied on frozen meal delivery, takeout, and ready-made dishes.

The variable interest rate increased from 0.5% to 0.75% and further to 0.95%, causing the monthly housing loan repayment amount to rise from 130,000 yen to 138,000 yen.

Including large one-time expenses such as 169,750 yen for childbirth and 145,496 yen for initial childcare goods, the actual monthly deficit exceeded 400,000 yen.

A life plan simulation revealed that if the current household budget continues, the family would go bankrupt within 5 years, and their financial assets would be minus 100 million yen at age 65.

The guideline 'housing loan up to how many times annual income' is unreliable; a life plan that considers changes in work style, lifestyle, and values should be created.

The biggest mistake was 'not anticipating changes in values,' as both husband and wife shifted their life priorities from work-first to family-time-first.

A life plan should not be a one-time creation but needs to be reviewed at milestones such as the birth of a child, changes in work style, and shifts in values.

To secure income while valuing family time, they decided to focus on YouTube activities that can be done from home.