Money & You

What Money & You does

Money & You (株式会社Money&You) is a Tokyo-based private financial education and media company founded in 2015 by Representative Director Taiyaki Yorifuji (頼藤太希) and Director Kazue Takayama (高山一恵). The company builds and operates a multi-channel ecosystem of financial literacy products in Japan, serving Japanese consumers (primarily women aged 35-44), corporate employees, and financial institutions. Core offerings include the FP Cafe® (FP = Financial Planner) matching platform that connects users with a network of registered female financial planners and licensed professionals, the Mocha women's financial web magazine, the Money & You TV YouTube channel, the Maneraji podcast, a children's money picture book series (おかねの絵本), and 50+ published books across major Japanese publishers (Nikkei BP, KADOKAWA, President, Toyo Keizai, and others).

The company's underlying technology is a content distribution and engagement platform combining owned digital properties with syndication through major Japanese aggregators (SmartNews, LINE NEWS, LINE Monary, 東証マネ部, MONEY PLUS, Logmi Finance). Mocha alone reaches 4 million monthly page views and 3.2 million unique users (July 2023 data), while Money & You TV has 25,000 YouTube subscribers and Maneraji has 75,000 podcast subscribers. Proprietary financial diagnostic and simulation tools (e.g., NISA/iDeCo simulators, retirement savings estimators, the "106万円 wall" income threshold calculator) have been developed for enterprise clients including Monex Securities, Yahoo Japan, the Ministry of Finance, and Recruit Holdings. The FP Cafe® technology layer integrates a registered partner network of female FPs and female licensed professionals (士業), providing structured personal consultation services from a neutral standpoint.

Money & You operates a diversified multi-stream revenue model combining book royalties and authorship, corporate training and seminar fees (clients include Chuo Rokin/Rokin Chuo, Rakuten Securities, Palette Kyosai), project-based content marketing services for financial institutions (KDDI, AEON Bank, Monex Securities, Funds, Money Forward, Recruit Holdings), fiduciary duty consulting (Mitsui Sumitomo Insurance, AEON Bank, Tokio Marine Anshin Life, AXA General Insurance, AEON Allianz Life), referral fees from the FP Cafe® matching service, and media and sponsored content revenue. The go-to-market is dual-track: content-led acquisition through owned media and founder media appearances for the consumer funnel, and direct enterprise sales for B2B training, consulting, and content production engagements. Only one publicly disclosed price point is identified — the publication seminar at ¥198,000 (tax excluded) — indicating that B2B pricing is project-based and not publicly disclosed.

Name

Money & You

Legal name

株式会社Money＆You

Website

https://moneyandyou.jp

Company type

Private

Founded year

2015

Operating status

Operating

Short description

Money & You is a Tokyo-based financial education company founded in 2015 that operates an integrated media ecosystem spanning the FP Cafe® matching platform, Mocha women's web magazine, YouTube and podcast channels, and 50+ published books, serving Japanese consumers, corporate employees, and financial institutions.

Ownership category

akta.pro rank

Headquarters

HQ city

Tokyo

HQ country

Japan

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Others

Revenue model

1. Book Publishing & Authorship: Co-authoring, writing, editing, and publishing books on personal finance, investment, tax strategy, and financial literacy. The company has produced over 50 published titles across major Japanese publishers. Revenue comes from book sales, royalties, and associated promotional content.
2. Corporate Training & Seminars: Enterprise training programs for corporate employees on financial literacy, DC/iDeCo, asset management, and career-money planning. Conducted for clients including 中央労働金庫, 楽天証券, パレット共済, and other major organizations. Sessions range from 45 to 120 minutes with participant counts from 20 to 150.
3. Content Marketing Services: Content planning, production, consulting, and supervision for financial institutions and corporate clients. Services include web content, digital signage, video production, and editorial support. Clients include KDDI, イオン銀行, 三井住友海上火災保険, マネックス証券, and many others.
4. Fiduciary Duty Support: Advisory services for financial institutions to review and improve their fiduciary duty (顧客本位の業務運営) compliance, including content clarity, plain-language explanations, and customer-facing material audits.
5. FP Cafe Platform & Personal Consultation: Connecting users with registered female FPs for personal money consultations. Revenue is generated through the FP Cafe matching service, with registered FP partners operating as independent professionals.
6. Media & Thought Leadership: Revenue from media appearances, TV/radio appearances, Voicy programs, and sponsored content production. The company's founders appear regularly on Nikkei CNBC, TV Asahi, Fuji TV, and major financial web publications, establishing brand authority and driving customer acquisition.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels9 records

Core offering

Money & You is a Japanese financial education and advisory services company that operates a multi-platform content ecosystem centered on personal finance literacy for women, alongside B2B services for financial institutions. Consumer offerings include the FP Cafe® matching platform connecting users with female financial planners, the Mocha women's financial media platform, the Money & You TV YouTube channel, and the Maneraji podcast. B2B offerings include corporate financial literacy training seminars, fiduciary duty compliance consulting for financial institutions, content marketing and editorial supervision, design and video production, and book publishing.

Product overview

Money & You operates a financial education and advisory services platform with multiple integrated products. The core service is FP Cafe®, a matching platform connecting users with female financial planners, supported by Mocha, a women's media platform, and Money & You TV, a YouTube educational channel. Additional services include the Maneraji podcast, children's financial education books, content marketing support, fiduciary duty consulting, and design production services. The company provides a comprehensive ecosystem for financial literacy education targeting primarily Japanese women, with services spanning digital media, consulting, and educational content production.

Differentiator

Problem solved

Functional benefit

Brands

• FP Cafe: A matching platform connecting users with female financial planners for lifetime financial consulting services
• Mocha
• Money＆You TV
• マネラジ

Products and services

• FP Cafe® A matching platform connecting users with female financial planners and female licensed professionals who provide lifelong financial consultation services from a neutral and fair standpoint.
• Mocha (モカ) A Japanese-language web media platform focused on money and career content for women, reaching 4 million monthly pageviews and 3.2 million monthly unique users. Content is syndicated to SmartNews, LINE NEWS, and other major platforms.
• Money & You TV A YouTube video channel (25,000 subscribers as of January 2026) delivering financial literacy content covering investment, pension, tax topics, and book summaries, hosted by representatives Taiki Yorifuji and Kazue Takayama.
• Maneraji (マネラジ。) Podcast A podcast program (75,000 subscribers) where hosts discuss money and life topics in a casual, conversational tone, with guest expert appearances across finance, career, and lifestyle topics. Episodes transcribed and published via Logmi Finance.
• Children's Picture Books about Money (おかねの絵本) Children's financial literacy picture books covering topics such as the role of money, financial exchanges, and positive money attitudes, including titles 'おかねがあれば' and 'おかねくんとあたし'. Used in schools and financial institution CSR programs.
• Corporate Training & Seminars Enterprise training programs for corporate employees on financial literacy, DC/iDeCo, asset management, and career-money planning. Sessions range from 45 to 120 minutes with 20 to 150 participants. Clients include Chuo Rokin, Rakuten Securities, and Palette Kyosai.
• Fiduciary Duty Support (フィデューシャリー・デューティー対応サポート) Advisory services for financial institutions to review and improve their fiduciary duty (顧客本位の業務運営) compliance, including content clarity, plain-language explanations, and customer-facing material audits.
• Content Marketing Support (コンテンツマーケティング支援) Comprehensive content planning, production, consulting, and editorial supervision for financial institutions and corporate clients, including web content, digital signage, video production, simulation tools (NISA, iDeCo, retirement savings), and promotional materials.
• Design Planning and Production (デザインの企画・制作) Design planning and production services including web content design, video content, digital signage ads, photo editing, and print materials such as business cards and flyers.
• Book Publishing & Authorship Co-authored and authored books on personal finance, investment, tax strategy, NISA/iDeCo, retirement planning, and financial literacy. Over 50 published titles across major Japanese publishers including Nikkei BP, President, KADOKAWA, and Toyo Keizai, spanning 2012 to 2026.
• Publication Seminar - Best-Seller Workshop A workshop seminar on book planning, pitching to publishers, and publisher pitch event participation, co-hosted with NEO Kikaku representative Nagao Yoshihiro. Limited to 10 participants at ¥198,000 per participant (tax excluded).

Quantifiable outcome

• Mocha web magazine: 400万 PV / 月 and 320万 UU per month (July 2023 data)
• +4 more outcomes

Named customers14 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

20 partnerships are on record, tiered core and minor.

• FP Cafe Registered Partners (Financial Planners and Licensed Professionals)coreOthersFP Cafe is a platform operated by Money & You connecting users with a network of experienced female financial planners (FPs) and female licensed professionals (士業). All registered partners operate from a neutral and fair standpoint, providing independent financial consultation services. The network forms the core service delivery layer for personal financial consultation services.
• PIVOT 公式チャンネル (PIVOT Official YouTube Channel)minorGTM or Marketing PartnerMoney & You representative Taiyaki Yorifuji appeared on the PIVOT公式チャンネル YouTube channel discussing S&P500 investing, NISA portfolios, high-dividend stocks, and lump-sum investing strategies. The channel reaches a broad investment-oriented audience in Japan.
• Logmi Finance (ログミーファイナンス)minorGTM or Marketing PartnerManeraji podcast episodes are transcribed and published as articles on Logmi Finance, extending reach to readers who prefer text-based content. Logmi series includes over 35 transcribed articles from the Maneraji podcast covering topics from investment basics to advanced wealth strategies.
• VoicyminorGTM or Marketing PartnerMoney & You operates the '1日5分でお金持ちラジオ' program on Voicy platform, with the co-founders providing daily 5-minute financial tips. Voicy provides the platform infrastructure and audience reach.
• SmartNews, LINE NEWS, LINE Monary (Content Distribution Partners)minorGTM or Marketing PartnerMocha's financial and career content is syndicated to major Japanese news aggregation platforms including SmartNews, LINE NEWS, and LINE Monary, extending Mocha's content reach to millions of additional readers through these platform channels.
• KDDI株式会社 (KDDI)coreStrategic or Co-development PartnerMoney & You provides financial literacy test logic, expert advice, and editorial supervision for KDDI's auマネ活LABO platform, delivering investment and savings content to KDDI's large customer base of mobile and internet subscribers.
• 株式会社マネーフォワード (Money Forward)coreStrategic or Co-development PartnerMoney & You provides money-related article content and planning services for Money Forward's MONEY PLUS media platform, one of Japan's leading personal finance media outlets. Also co-hosted women's financial seminars with Money Forward.
• 雅虎株式会社 / 財務省 (Yahoo Japan / Ministry of Finance)minorStrategic or Co-development PartnerCo-developed a savings capacity diagnostic tool and related article content in partnership with Yahoo Japan and the Ministry of Finance to promote national financial literacy among Japanese citizens.
• 株式会社FP Cafe / FP Cafe StaffcoreChannel Partner/ Reseller/ DistributorFP Cafe operates as a separate but closely affiliated entity (https://fpcafe.jp/) offering the financial planner matching service. Money & You provides content, platform development, and operational support for the FP Cafe ecosystem which includes the Mocha media magazine.
• マネックス証券株式会社 (Monex Securities)coreStrategic or Co-development PartnerProvided NISA and iDeCo simulation tools for Monex Securities' website, helping investors understand contribution strategies and tax advantages of tax-advantaged investment accounts.
• ファンズ株式会社 (Funds)minorStrategic or Co-development PartnerCreated landing page and manga content (featuring financial advisor appearances) for Funds' fixed-return investment platform targeting investors aged 50+ seeking reliable investment options.
• 株式会社りそな銀行 (Resona Bank)minorStrategic or Co-development PartnerCo-hosted women-focused financial seminar with Resona Bank titled 'お金も美容も早めのケアが大切？銀座で行われる女性限定セミナー', bringing financial education to female banking customers.
• 株式会社三井住友海上火災保険 (Mitsui Sumitomo Insurance)coreStrategic or Co-development PartnerProvided fiduciary duty consulting for promotional brochure content and supervision for insurance product materials, helping the insurer communicate product information more clearly to customers.
• акса損害保険株式会社 (AXA General Insurance)minorStrategic or Co-development PartnerConducted fiduciary duty diagnostic review of AXA Direct auto insurance application forms to assess and improve customer communication clarity.
• 東京海上日動あんしん生命中保険 (Tokio Marine Anshin Life Insurance)coreStrategic or Co-development PartnerProvided fiduciary duty support including promotional materials and web content review and supervision for Tokio Marine's financial planning service 'あんしんらいてぃんぐ'.
• メットライフ生命保险公司 (MetLife Japan)minorStrategic or Co-development PartnerCo-produced a lifestyle magazine 'オトナ女子 MONEY AND LIFE スタイル本' targeting women with financial topics, leveraging MetLife's brand and customer base.
• セゾン投信株式会社 (Saison Investment Advisors)minorGTM or Marketing PartnerCollaborated on seminar advertising and promotional flyer production for co-hosted financial seminars. Saison投信 is known for its focus on investor education and long-term investment philosophy.
• NEO企画 (NEO Kikaku / 长尾义弘)minorStrategic or Co-development PartnerCo-hosted the publication seminar '本気で本を出したい人の出版入門セミナー' with NEO Kikaku representative Nagao Yoshihiro, a veteran publishing producer with 350+ published titles. Money & You hosted the event while Nagao served as the instructor.
• 株式会社伊東mage圈以内生命 (AEON Allianz Life Insurance)coreStrategic or Co-development PartnerProvides money article content planning, writing, editorial supervision, and consulting for まねーき猫 (Anego Cat) financial content platform operated by AEON Allianz Life, combining insurance products with financial education content.
• 株式会社ゼットワン / さわかみ投信 (Sawakami Investment)minorStrategic or Co-development PartnerCo-developed type-specific financial preparation diagnostic tool and article content in partnership with さわかみ投信 for マイナビウーマン platform, reaching working women readers.

Scale indicators7 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• ZUU Online: Japanese financial media and education platform covering personal finance, investment, and entrepreneurship. Comparable to Money & You as a Japanese financial content/media business targeting consumer financial literacy and engagement.
• Clever Girl Finance: US-based female-focused financial education platform offering courses, content, and community. Comparable to Money & You's Mocha and FP Cafe in targeting women with beginner-friendly financial literacy content and tools.
• All About: Japanese information media platform with extensive personal finance, investment, and lifestyle content. Comparable to Money & You's Mocha as a content-led consumer finance media property with expert-driven articles.

Broad incumbents

• Nikkei BP: Japanese publisher of business and financial books, magazines, and digital media. Comparable to Money & You as a publisher of personal finance and investment titles; larger and more diversified across business verticals.
• Money Forward: Japanese household financial management platform that also operates MONEY PLUS, a major personal finance media outlet. Comparable to Money & You in financial content production and overlapping audience; broader in scope (SaaS, payments) and already a Money & You partner.
• Diamond Inc. (publisher of Zai Online): Major Japanese publisher behind Zai Online financial media and Diamond Weekly. Comparable to Money & You in producing financial books, magazines, and educational content for Japanese consumers and corporate clients.

Emerging players

• Ellevest: US-based female-focused investment and financial planning platform. Comparable to Money & You's female-targeted financial planning positioning, though Ellevest combines content with a managed investing product.
• LearnVest: US-based financial planning education and advisory platform (now part of NM). Comparable to Money & You in providing beginner-friendly financial planning content and tools to mass-market consumers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCvo5y3L380R6cs7pUKr7aRA
• Facebookfacebook.com/money.a.you

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Money & You