You can hear the voice recording for the diary.
確定申告を期日前にサクッと完了。今回で5回目ともなるとソフトの操作も勘定科目も手慣れたもので、自分の金融リテラシーが確実に上がっているのを実感できて心地よい。
I filed my tax return well ahead of the deadline, and as this was my fifth time, I felt surprisingly adept at navigating the software and accounting codes.
今年の大きな戦略変更は、株式配当を「申告分離課税」にしたこと。これまで外国税額控除狙いで総合課税にしていたけれど、計算したら分離の方が還付金が多くなるという衝撃の事実に気づいた。
My major strategic pivot this year was declaring dividend income separately rather than aggregating it, which revealed that I had been missing out on a larger refund.
つまり、これまでは知らずに税金を払いすぎていたってこと。外国税額控除の恩恵をフルに受けるには、今の所得じゃまだ足りないという現実を突きつけられた気分だ。
I realized I had been overpaying taxes by chasing the “Foreign Tax Credit,” a deduction that ironically requires a higher income bracket to be effective.
「もっと稼げ」という税務署からのメッセージだと前向きに受け取って、配当収入はもちろん、本業の収入もさらにブーストさせていこうと思う。
Taking this as a clear signal to “earn more,” I now understand that I need to boost my salary and dividends to fully leverage the tax system’s benefits.
目指せ、年収2000万円！税金の仕組みを完全に味方につけて、来年はもっと賢く、もっと太い還付金を勝ち取ってみせるぞ。
So, I have set my sights on an annual income of 20 million yen, determined to master these financial strategies and secure a smarter outcome next year.
To be continued.
