Card game for 2-4+ players.
Players try to increase their net worth and earning potential.
Contemporary, Middle Class, USA setting.
The game ends when players have gone through both Decks.
The player with the highest net worth is the winner.
If tied, the player with the highest monthly income is the winner.
If still tied, the player with the most liquid cash wins.
Net worth is the value of all Business Investments, Real Estate, Stocks,
Collectible Items, other Assets, and Cash on hand minus all Liabilities.
Paper, pencils, and calculators are needed.
There is a lot of record keeping and calculations required.
Six and Ten sided dice are needed.
H = Hundred
K = Thousand
M = Million
Each turn represents 1 month.
Players share 2 common decks.
Players begin with the Starting Deck and then move onto the Expert deck.
There are 9 Card types:
# Abbr Type
1. AC Acumen
2. RE Real Estate
3. BI Business Investment
4. DM Debt Management
5. PE Personal Expenses
6. BE Business Expenses
7. SP Stock Portfolio
8. CI Collectible Items
9. WF Windfall
Each player starts the game with:
Job Income: 8K per month (You and Spouse)
Total Expenses: 6K per month (Taxes, Food, Mortgage, Car Payments, etc.)
Net Income: 2K per turn (Job Income – Total Expenses)
Savings: 15K (Checking and Bank Accounts)
Stock Market Portfolio: 15K (Value of all owned stocks)
Assets: Home = 300K and Cars = 30K
Retirement Funds = 200K
Liabilities: Mortgage = 250K and Cars = 20K
Shuffle the decks.
The oldest player goes first.
Play proceeds clockwise.
Players take turns.
Each turn has 5 phases:
Earn money from all of your income streams including:
Job, Businesses, and Rentals.
--- For each Rental there is a 10% chance you have no one renting it.
If a rental was empty last turn there is a 30% it will be empty this turn.
--- There is a 5% chance you will lose your job (downsizing, etc.)
If you have no Job, you have a 40% of getting rehired.
--- If you just started a new business last turn there is a 40% it will make
No profits this turn. If you made no money there is a 40 % chance it
Will make no money on the next turn. If a business makes no money in
3 turns it will fail.
Pay for all your expenses. This includes:
Mortgage payments, Car payments, Living Expenses,
Loan payments, and Real Estate Overhead.
Draw 1 card from the Current deck.
The card drawn will present either an opportunity you may take, or an
Extra expense you must take depending on the card.
Begin with the Starting Deck.
When the Starting deck is finished, move on to the Expert Deck.
This phase represents volatility in the markets.
Roll on the Asset Adjustment Table once for each of your Assets.
For Real Estate, Collectible Items, and Stocks, their value is affected.
For Businesses, their Income is affected.
ASSET ADJUSTMENT TABLE
4-7 No Change
Discard all cards.
Calculate your Net Worth.
When you draw an AC card, record it.
You now get the stated benefit to all future transactions.
REAL ESTATE CARDS
Each RE card represents a property you may buy.
Each card has several stats. Record all of these:
Price: (At time of purchase)
Value: (This may change but starts the same as Price)
Down payment: (20% of Price)
Overhead: (Monthly Mortgage Payments, Taxes, Maintenance, etc.)
Rent: (Monthly Income for property)
Liability (Same as Price minus down payment. If this Debt is completely paid
off, the Overhead is halved)
If you sell the property, you get its value minus the remaining liability.
BUSINESS INVESTMENT CARDS
Each BI card represents an investment in a business opportunity.
Note that the player is considered to be a part owner in the business and that
Other people are actually running it and share in ownership.
If you choose to invest, pay the investment cost.
Record the type of business and how much monthly income you gain from it.
You may sell off your share of the business for basically what you paid for it.
The most Business Investments you can have is 4 unless you quit your job,
In which case there is no limit.
STOCK PORTFOLIO CARDS
Each SP card represents an opportunity to buy stocks.
You may buy as much as you want.
You may sell stocks at any time.
COLLECTIBLE ITEMS CARDS
Each CI card represents a valuable item or collection that has a good chance of
Increasing its value over the course of the game.
If you pay for the goods record their type and value.
DEBT MANAGEMENT CARDS
Each DM card allows you to pay off debts (liabilities).
This includes Charge Card Debt, Bank Loans, and Mortgages.
Record any debt reductions you make.
You may also sell Assets at this time.
Assets include Real Estate, Businesses, Stocks, and Durable Goods.
Record results of all transactions you make.
This card gives you the opportunity to get a bank loan.
A loan can be for any multiple of 10K.
Record it if you take one.
The monthly interest charge is 10%.
Bank Loans count as liabilities.
You can only get Bank Loans up to half the value of your net worth.
You can also use this card to take a loan (up to 50K) against your
Retirement funds. Interest on Retirement Fund loans is also 10%
Note: Because stocks are so liquid they can be sold at any time.
You don’t need to wait for a DM card to sell stocks.
BUSINESS EXPENSE CARDS
Each BE card will cost you money.
If it is early in the game, and you have no Business Investments or
Real Estate, you may ignore these cards. Otherwise they are a must do.
PERSONAL EXPENSE CARDS
Each PE card is a must do.
Record your monetary losses.
RUNNING OUT OF MONEY
If you do not have the money to pay your bills, you may pay with your Charge Card.
Treat this as a loan with 20% Interest.
Your Charge Cards max out at 20K.
To pay your bills, you may make distressed sales:
You may immediately sell off assets at half their value.
You may also sell off your Cars and House.
If you do so, you must pay 800H rent for an apartment per month, and
You buy a junker car outright for 500H.
If you still cannot pay your bills after selling off all your assets, you go into
Bankruptcy and automatically lose the game.
COMMON DECK CARD LISTS NOTATION
DP = Down Payment
OH = Overhead
STARTING DECK REAL ESTATE CARDS
Name: Type Price DP OH Rent
Vacant Lot RE 10K 2K 100H -
Empty Lot RE 20K 4K 150H -
Project Apartment RE 30K 6K 300H 600H
Standard Apartment RE 40K 8K 400H 800H
Nicer Apartment RE 50K 10K 500H 1K
Small House RE 60K 12K 600H 1.2K
Older House RE 80K 16K 800H 1.6K
Ranch Style RE 100K 20K 1K 2K
Split Level RE 120K 24K 1.2K 2.4K
Town House RE 150K 30K 1.5K 3K
Duplex RE 200K 40K 2K 4K
EXPERT DECK REAL ESTATE CARDS
Name: Type Price DP OH Rent
Condo RE 250K 50K 2.5K 5K
Spec House RE 300K 60K 3K 6K
New Build RE 400K 80K 4K 8K
Beach House RE 450K 90K 4.5K 9K
Upscale RE 500K 100K 5K 10K
Mc Mansion RE 600K 120K 6K 12K
Mansion RE 1M 200K 10K 20K
Commercial Property RE 2M 400K 20K 40K
Prime Commercial RE 5M 1M 50K 100K
STARTING DECK BUSINESS INVESTMENT CARDS
Name: Type Invest Income
Flea Market Stall BI 2K 100H
Multilevel Marketing BI 4K 200H
Internet Selling BI 3K 150H
Food Stand BI 6K 300H
Mall Kiosk BI 5K 250H
Coffee Shop BI 8K 400H
Hair Nail Salon BI 10K 500H
Local Bar BI 10K 500H
Specialty Shop BI 12K 600H
Family Restaurant BI 20K 1K
EXPERT DECK BUSINESS INVESTMENT CARDS
Name: Type Invest Income
Importer Exporter BI 40K 2K
Franchise BI 60K 3K
Gas Station BI 80K 4K
Manufacturing Plant BI 100K 5K
Distribution Center BI 200K 10K
Storage Facility BI 400K 20K
Financial Institution BI 1M 50K
Construction Firm BI 2M 100K
Tech Start-Up BI 5M 250K
STARTING DECK PERSONAL EXPENSES CARDS
Auto Repair 2K
Eating Out 1K
Gym Membership 1K
EXPERT DECK PERSONAL EXPENSES CARDS
Name: Cost: Notes:
Medical Bills 10K
Home Improvement 10K Increase value of House or RE by this much
Country Club 2K
STARTING DECK BUSINESS EXPENSES CARDS
Startup Costs 2K
EXPERT DECK BUSINESS EXPENSES CARDS
STARTING DECK ACUMEN CARDS
Real Estate 20% Discount on Real Estate Purchases
Entrepreneurship 25% Discount on Business Investments
Salesmanship Plus 10% Profit on all Sales
Promotion Job Income +1K per month
Buyer 40% Discount on Purchase of Collectible Items
Self-Management Personal Expenses cost half
EXPERT DECK ACUMEN CARDS
Forecasting Business Expenses cost half
Economics AA Rolls for Stocks at +2
Finances Get Loans at half interest
Time Management Draw 2 cards per turn. You may ignore the second one
Serious Collector AA Rolls for Collectible Items at +2
Marketing All Business Incomes are at +50%
STARTING DECK COLLECTIBLE ITEM CARDS
EXPERT DECK COLLECTIBLE ITEM CARDS
Classic Car 1D6 x 10K
Diamonds 1D10 x2K
Famous Artwork 1D10 x1D10K
STARTING DECK WINDFALL CARDS
Lottery Ticket Gain 5K
Gambling Win Gain 3K
Good Deal Pay 1K for Antiques (Collectible Item) worth 4K
Good Find Pay 500H for Painting (Collectible Item) worth 2K
Auction Pay 2K for Classic Car (Collectible Item) worth 10K
Foreclosure Find next Real Estate card. You get a 50% discount
EXPERT DECK WINDFALL CARDS
Inheritance Gain 10K x 1D6
Loan Forgiveness Reduce one of your Debts by 10K
Stock Split Increase your Portfolio by 1D6 X 10%
Gift Gain Jewelry (Collectible Item) worth 2K
Distressed Sale Find next Real Estate card. You get a 50% discount
Dividends Gain 1% of the Value of all your Stocks
STARTING DECK DEBT MANAGEMENT CARDS
9% Loan You can get a Bank Loan at 9%
8% Loan You can get a Bank Loan at 8%
7% Loan You can get a Bank Loan at 7%
Seller’s Market Sell a RE at 10% Profit
Memorabilia Craze Sell a CI at 20% Profit
Market Swing Sell a SP at 10% Profit
EXPERT DECK DEBT MANAGEMENT CARDS
6% Loan You can get a Bank Loan at 6%
5% Loan You can get a Bank Loan at 5%
Trusted Name Sell a BI at 20% Profit
Hot Property Sell a RE at 20% Profit
Find a Buyer Sell a CI at 50% Profit
Bull Market Sell a SP at 20% Profit
STARTING DECK STOCK PORTFOLIO CARDS
Index Fund Stock
EXPERT DECK STOCK PORTFOLIO CARDS
High Risk Stocks