Haneya · 15-Year Roadmap · April 2026
From
nothing
to free.
Age 19 → 34 · Rp 0 → Rp 2,000,000,000 · Working → Optional
19
Now — Foundation
The plan is decided.
Execution starts July.
- JLPT N3 already in hand ✓
- Dicoding bootcamp → graduating
- Commercial experience since vocational school
- School voting system + Jobstreet scraper = real portfolio
19–20
Dedicated Block
6 months. 3 tracks.
No distractions.
No income · Full investment in self
- Next.js + Tailwind + PostgreSQL + Prisma
- JLPT N2 study — 1.5hr daily
- Rebuild Japanese learning tool (jpan.haneya.space) in framework
- SSW / TG research begins
- December: sit JLPT N2 exam
20–21
Phase 1 — First Income
Enter Semarang IT market.
3× previous salary, day one.
Rp 8–15jt/mo · Save aggressively · Live lean
- Target: Japanese IT companies in Semarang
- Portfolio: learning tool + school system + scraper
- N3 confirmed + N2 result coming Feb 2027
- College semester 6–7 continues online (light load)
- Start investing: reksa dana, even small amounts
21–22
Phase 1 — Building
Real work. Real savings.
Understanding the actual market.
Rp 8–15jt/mo · Savings: ~Rp 50–100jt building
- 1–2 years IT experience — Data Engineer framing
- JLPT N2 confirmed (or retake Jul 2027)
- College graduation ~2028
- Understand market: what's real, what's theory
- Decision point: TG1 Japan or stay in IT Indonesia?
22–23
Decision Point
Degree in hand.
Experience confirmed.
Now choose.
Rp 50–120jt saved + invested by this point
- Option A: TG1 Japan (60% likely) → Rp 20–22jt/mo, save 50%+
- Option B: Stay Indonesia IT → upgrade to senior, Rp 18–25jt
- Decision based on: market feel, Japan readiness, personal clarity
- N2 confirmed = Engineer visa also now possible
- Not theory anymore — lived experience guides this
23–28
Phase 2 — Accumulation
Peak earning years.
Compounding begins to matter.
Rp 20–30jt/mo · Save 50%+ · Invest every month
- TG1 path: ¥200–220k/mo, subsidized housing, save Rp 8–12jt/mo
- IT path: Senior/specialist role, Rp 18–25jt, save Rp 10–15jt
- Rp 1B milestone: target age 28–29
- Investments diversified: reksa dana, index funds, property deposit
- If TG1: keep 1 IT project/quarter deployed publicly
28–30
Phase 3 — Final Push
The gap between
Rp 1B and Rp 2B
closes faster than it opened.
Compounding doing real work now
- Engineer visa Japan (if TG path) or senior IT Indonesia
- Salary at senior level: Rp 25–50jt range
- Consider Indonesia property for passive rental
- Side income: Japanese teaching, consulting, freelance
- Do not lifestyle-inflate — this is the most dangerous phase
31–34
Work becomes optional.
Rp 2,000,000,000
At 7–8% annual return → Rp 12–13jt/month passive · Indonesian cost of living covered · Forever.