A Retirement Savings Tool Many Freelance Hospitality Operators in Japan Overlook
Every January I sit down to do 確定申告 (kakutei shinkoku) for BenStay, and every year I find some deduction I should have been using months earlier. The one that surprised me most wasn’t accommodation tax or depreciation — it was a retirement program many freelancers and small guesthouse operators in Japan may not have considered: 小規模企業共済 (Shoukibo Kigyou Kyousai), or Small Business Mutual Aid.