WEALTH MANAGER

INTRODUCTION
Card game for 2-4+ players. 
Players try to increase their net worth and earning potential. 
Contemporary, Middle Class, USA setting. 

GAME END
The game ends when players have gone through both Decks. 

VICTORY
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. 

RECORD KEEPING
Paper, pencils, and calculators are needed. 
There is a lot of record keeping and calculations required. 

DICE
Six and Ten sided dice are needed. 

COMMON ABBREVIATIONS
H = Hundred
K = Thousand 
M = Million

TURNS
Each turn represents 1 month. 

THE DECKS
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

STARTING FINANCES
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

SETUP
Shuffle the decks. 
The oldest player goes first. 
Play proceeds clockwise. 

TURN SEQUENCE
Players take turns. 
Each turn has 5 phases: 
1. Payday
2. Expenses
3. Opportunity
4. Market
5. End 

PAYDAY PHASE
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. 

EXPENSES PHASE
Pay for all your expenses. This includes: 
Mortgage payments, Car payments, Living Expenses, 
Loan payments, and Real Estate Overhead. 

OPPORTUNITY PHASE
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. 

MARKET PHASE
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
1D10	Adjustment
1	-30%
2	-20%
3	-10%
4-7	No Change
8	+10%
9	+20%
10	+30%

END PHASE
Discard all cards. 
Calculate your Net Worth. 

ACUMEN CARDS
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
Name: 			Cost:
Auto Repair		2K
Pets			1K
Hobbies 		1K
Eating Out		1K
Shopping		1K
Classes			1K
Gym Membership  	1K	

EXPERT DECK PERSONAL EXPENSES CARDS
Name: 			Cost:	Notes:
Medical Bills		10K	
Vacation		15K	
Home Improvement	10K	Increase value of House or RE by this much
Wardrobe		2K
Decorating		5K
Country Club		2K

STARTING DECK BUSINESS EXPENSES CARDS
Name: 			Cost:
Maintenance		1K
Repairs			2K
Fines			2K
Advertising		2K
Accountant		2K
Startup Costs		2K

EXPERT DECK BUSINESS EXPENSES CARDS
Name: 			Cost:	
Taxes			5K
Loses			5K
Insurance		5K
Lawyer			10K
Lawsuit			10K
Regulations		3K

STARTING DECK ACUMEN CARDS
Name:			Notes:
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
Name:			Notes:
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
Name:			Value:
Antiques		1D6K
Collectibles		1D6K
Memorabilia		1D6K
Silver			1D6K
Paintings		1D6K

EXPERT DECK COLLECTIBLE ITEM CARDS
Name:			Value:
Classic Car		1D6 x 10K
Gold			1D10K
Diamonds		1D10 x2K
Jewelry			3D6K
Famous Artwork  	1D10 x1D10K

STARTING DECK WINDFALL CARDS
Name:			Notes:
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
Name:			Notes:
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
Name:			Notes:
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
Cash Flow

EXPERT DECK DEBT MANAGEMENT CARDS
Name:			Notes:
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
Stay Liquid

STARTING DECK STOCK PORTFOLIO CARDS
Name:
Common Stock
Mutual Funds
Money Market
Index Fund Stock
Penny Stocks
Value Stocks

EXPERT DECK STOCK PORTFOLIO CARDS
Name:
Hedge Fund
Commodities
Tech Stocks
Growth Stocks
Bonds
High Risk Stocks
Blue Chips



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