LearnΒ·Index Investor Tycoon
CASHFLOW QUADRANT Β· I
Ages 8+ Β· Learn by doing

🌱 Earn. Save. Invest. Grow.

Start with $1,000 of your own money. Work for extra cash, pay for everyday life, and invest carefully. Can you grow your money without letting debt grow faster?

πŸ‡¨πŸ‡¦ Fictional Canadian dollars
Investor lesson: Investments may pay interest, distributions or gains β€” but prices can also fall. A bank loan is money you must repay, not free wealth.

πŸ‘† Work for money

Your side-job clicker gives you spendable cash. Tap to earn, level up your work, then buy auto-work tools that earn when game days pass.

🏑 Life costs

Keep enough cash for monthly bills. Choose your housing and transport.

🏠 Home purchase: $80,000; mortgage down payment: $8,000. πŸš™ Car purchase: $6,500. You can sell owned homes and cars for their original purchase prices in this learning game. Housing, transport and budgets save automatically.
Savings lesson: bills are charged every 30 game days, even if you forget to invest.

🏦 Bank & credit

Credit score starts at 900/900. Paying on time helps protect it; missed payments can hurt it. A loan adds cash and the same amount of debt.

Game credit rules are simplified, not a real credit-scoring model. Loan interest: 1% per month. Automatic minimum payments apply on payday.

πŸ“† Game calendar

One game day passes every 5 real minutes, automatically. Auto-work earns money each second while this game is open.

⏳ Next day in 05:00
Your game clock runs automatically. 30 game days = 2 hours 30 minutes.
Start by earning some money or exploring investments.

🏘️ Rental-property opportunity

This is separate from the home you live in. Buy a small fictional rental property and receive rent, but also pay property costs. Its resale value can rise or fall.

Property income and resale gains aren't guaranteed. The game uses one rental property, without real tax or legal rules.

πŸ” Automatic investment deposits

Plan how much to invest every week, month, quarter, or year. Money transfers from your available cash into your chosen investment β€” it does not appear from nowhere. Skipped deposits are recorded when you cannot afford them.

Weekly: 7 days Β· Monthly: 30 Β· Quarterly: 90 Β· Yearly: 360
Choose your amounts and investment destinations.

πŸ“ˆ Your investments β€” original 9 choices

The original investment names, risk descriptions, expected-return assumptions, and volatility settings are preserved. You can buy fractional units.

9 investments

πŸ“Š Net worth over time

πŸ“’ Income and expense record

🧠 Real-world decisions

Credit tip: Borrowing can increase buying power, but investing with borrowed money can magnify losses.

πŸŽ“ Investment knowledge challenge

πŸ† Milestones

Money words

Cash = spendable money Β· Investments = assets that may change in value Β· Debt = money you owe Β· Net worth = cash + asset values βˆ’ debt Β· Profit is not the same as money borrowed.

πŸ—’οΈ Investor journal