# Oyayubi Kōkan (親指交換): Family as a safety net

> Plan money together, so one emergency never becomes everyone’s crisis.

In Japan, wealth is often planned across generations: grandparents help with education, parents help with a first home, and money is passed down gradually and deliberately.

Sri Lankan families already live this way: siblings help with school fees, children support parents, relatives abroad send remittances home. What is often missing is a shared plan.

A family that sees the same numbers makes calmer decisions, avoids duplicate spending and builds an emergency fund that protects everyone.

## Try it this week

- Share one family workspace with your partner
- Build 3 to 6 months of needs as an emergency fund
- Start an education goal on the day a child is born

## How Ithuru helps

Shared family workspaces with roles, shared goals for education, weddings and homes, and an emergency fund measured in months of needs.

Source: https://money.ideus.lk/guides/oyayubi-kokan