【summary】
The ``3B'' occupations that people should avoid getting married to are generally slang terms for hairdressers, bartenders, and bandsmen.
However, this is a term that has been spread on the Internet and in the context of love and marriage hunting, and is not a criterion based on statistical evidence. You cannot judge someone's sincerity, ability to manage their finances, stability of income, or ability to build future assets based on their job title alone.
If you look at it from the perspective of investing and building assets, what you really want to check is your relationship with money, rather than your occupation itself. Stability of income, expense management, savings rate, debt management, and understanding of long-term investments are more effective for long-term household finances.
Even if you have a high income, if you use it up every month, it's hard to have any assets left. Even if your income is average, people who have a high savings rate, understand NISA and investment trusts, and can manage their household finances over the long term will find it easier to build assets.
This article is a general educational article that reinterprets the slang term "3B" from the perspective of asset formation and household budget management. We do not recommend making individual decisions regarding specific occupations, love affairs, marriage, job changes, investments, or financial products. Income, household finances, work styles, values, family structure, and investment experience vary from person to person. Investments involve the risk of loss of principal, and systems and tax systems may change.
What is 3B?
The 3B's, which are often talked about as occupations in which it is best to avoid marriage, often refer to the following three occupations.
| 3B | Commonly referred to professions | Often talked about images |
|---|---|---|
| Beauty | Hairdresser | Working on weekends, independent practice, income difference |
| Bartender | Bartender | Night shift, customer service, alcohol |
| Bandman | Bandman | Income fluctuations, period of chasing dreams, life rhythm |
Of course, this is slang.
In reality, there are some hairdressers who are steadily building up their assets. There are bartenders who are good at managing household finances. Even among band members, there are people who have multiple sources of income and lead a planned life.
On the other hand, even in a job that is generally considered stable, family finances can easily collapse if there is overspending, debt, overconfidence in investment fraud, or raising the standard of living too high.
Reasons why hairdressers are included in 3B
Hairdressers are sometimes included in the 3Bs when discussing romance and marriage hunting.
Reasons that tend to be cited include many working on weekends, long working hours, some people aiming to start their own businesses, and large income differences.
However, if you look at it from an investor's perspective, it would be too complicated to stop here.
What you should be looking at is not the job title of beautician, but how you make your income. Is it a fixed salary or a large commission? If you aim to become independent, how do you view start-up capital, borrowings, fixed costs, and the period until profitability?
While there are risks to being independent, there is also the potential to turn human capital into business income if done well. The problem is not the profession, but planning and financial management.
Reasons why bartenders are included in 3B
Bartenders tend to work mainly at night, handle alcohol, and have many opportunities to serve customers.
As a result, their names are sometimes mentioned in romantic contexts due to their lifestyle or friendships.
However, this is not to say that because you work at night, you are vulnerable to household finances. There are people who are able to stabilize their income, manage their expenses, and continue to make savings investments even while working night shifts.
Rather, what you want to check is how much your income fluctuates from month to month, whether you are overinflating your living expenses, and how you are planning your health and work style over the long term.
Household finances are affected by lifestyle rhythms. That's why it's more practical to look at how to generate cash flow than to look at the title of bartender.
Reason why band members are included in 3B
Among the 3Bs, band members are often talked about as having the impression that their income is likely to be unstable.
It takes time to earn enough income from music activities alone. Expenses such as live performances, production, equipment, travel, studio fees, etc. are not small.
This point is difficult to ignore from the perspective of asset formation.
However, even here, it is not possible to judge based on the occupation name alone. In addition to their music activities, some people combine production, teaching, distribution, income as office workers, side jobs, etc. Pursuing your dreams is not the problem, but how you think about living expenses, debt, period, and withdrawal conditions.
`What will we achieve by when?'' Do we have enough funds to support our daily lives?'' `Are we continuing to cover the deficit with debt?'' This is much more specific than the 3B label.
From an investor's perspective, ability to build assets is more important than occupation
It is not the job title that comes into play in long-term household finances.
When you look at the flow of money, it's pretty simple.
収入
-
支出
=
貯蓄・投資に回せるお金No matter how much you earn, if your expenses increase by the same amount, you won't have any assets left.
On the other hand, even if your income is average, if you can keep fixed costs down, keep a high savings rate, and continue making long-term, savings, and diversified investments, you will have a strong foundation for building assets.
| Case | Short-term view | Long-term household budget |
|---|---|---|
| High income but a lot of waste | Looks like there is plenty of room | Hard to keep assets |
| Average income but high savings rate | Nothing flashy | Easy to accumulate assets |
| Income fluctuates but fixed costs are low | Seems unstable | Durable depending on management |
| Stable job but dependent on debt | Looks secure | Interest burden weighs down household budget |
When it comes to asset building, "the money you have left" is more important than your title.
5 points you really need to look at
It's better to look at the following five things than whether or not he's a 3B.
Income stability
How stable is your monthly income?
Is it a fixed salary, or is there a large amount of commission, tips, or project income? If your income fluctuates, are your expenses at a level that allows you to live even with fewer months?
Once you understand this, it will be easier to see the durability of your household finances.
Expenditure management ability
It is more important to be able to live within your income than to keep a detailed household account book.
Monthly fixed costs, vanity consumption, subscriptions, loans, and how to use credit cards. These small habits can make a big difference in the long run.
Savings rate
Savings rate may be a better indicator of a household's financial strength than annual income.
Even if your annual income is 10 million yen, if your annual savings are zero, you will not be able to build assets. If you can save and invest 1 million yen a year even if your annual income is 5 million yen, you can use time and compound interest on your side.
Debt management
There are different types of debt, such as home loans, scholarships, car loans, business funds, and card loans.
Not all debt is bad. However, you want to check the interest rate, repayment period, monthly repayment amount, and durability if your income goes down.
In particular, if you continue to borrow money to cover your living expenses, that's a red flag, regardless of your occupation.
Understanding investment
Do you understand NISA, iDeCo, investment trusts, ETFs, diversified investments, and risk of loss of principal?
This is likely to make a difference over the long term. The Financial Services Agency also explains household budget management, long-term savings, and diversified investments as the basics of asset formation.
The important thing is not to jump on the idea of making big profits in a short period of time. The key is to create a system that allows you to continue investing for a long time at a reasonable amount while understanding the fees and risks.
“Types that investors want to avoid”
The following actions will be more effective for your household finances than your occupation.
| Behavior | Risks to household finances |
|---|---|
| Strong tendency to waste | No assets left even if income increases |
| Depends on debt | Interest burden reduces freedom |
| Prefers highly gambling investments | Easy to incur large losses |
| Do not suspect investment fraud | You may lose your principal |
| Not checking household finances | Recognizing problems late |
| Unable to lower standard of living | Vulnerable to decrease in income |
This table is not related to any particular occupation.
In fact, it can happen in any job. That's why it's better to look at your behavior towards money rather than just believing in the word 3B.
Translate 3B into asset building terms
If we were to read the slang term 3B from an investor's perspective, it would be as follows.
一般的な3B
美容師・バーテンダー・バンドマン
投資家目線の確認ポイント
収入安定性・支出管理・貯蓄率・借金管理・長期投資Occupation is part of a person.
However, household finances are not determined solely by one's occupation. In reality, a lot depends on how you generate income, your spending habits, how you prepare for the future, and how you take risks.
If you think of marriage and life as a long-term joint project, you should look at cash flow and values rather than titles.
summary
The ``3B'' professions in which marriage is best avoided are sometimes used as slang to refer to hairdressers, bartenders, and band members.
However, this is not a statistical criterion. It is quite unfair to judge a person's future household finances and ability to build assets based on their job title alone.
From the perspective of investment and asset formation, the following points should be considered.
- Income stability
- Expenditure management
- Savings rate
- Debt management
- Attitude toward long-term asset formation
There are people who have no assets left even if they earn a high income. Even if their income seems unstable, some people keep their fixed costs down, have multiple sources of income, and continue to invest steadily.
In order to build a prosperous family finances over the long term, what you should look at is not your profession, but your relationship with money.
source
- Financial Services Agency “Basics of asset formation: NISA special website”
- Financial Services Agency “Learn about NISA: NISA special website”
- J-FLEC “Asset Formation Handbook”
- Related article: What is a high-spec boy? Asset building ability is more important than annual income from an investor's perspective
- Related article: What is a high-spec girl? Asset building ability and money management from an investor's perspective