Version 1.3.0: Twenty-Four New Cards (and the Big Short)
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The deck just got bigger, stranger and, for the first time, unfair in a good way. Version 1.3.0 adds 24 new cards and two news events, plus a rarity system that decides how often you see them.
The cards worth talking about
Some of the new arrivals teach real finance. Others teach you what happens when a bubble bursts.
- The Big Short. The housing bubble bursts, every stock crashes and the economy tips into recession. You saw it coming, so you can sell first or hold and ride it out.
- Dot-com Bust. The tech bubble pops, and tech and IPO shares take the worst of it. Dump your tech first, if you dare.
- AI Startup Round. Two ex-researchers offer you a stake in an AI agent company. It could become a unicorn and pay a fortune, or the money could simply vanish. Would you?
- Collector's Watch. A dealer offers a luxury watch. Most resell for a little less than you paid, but every so often one turns out to be a collector's piece worth a fortune, and you find out at your next payday.
- Tax Lien Auction. Buy a homeowner's unpaid tax bill at auction. Most owners pay it back with interest. If they do not, the house becomes yours.
- Bank-Owned Foreclosure. The bank wants a repossessed house off its books, at a price well below its appraisal and with very little down.
- Forgotten 401(k). You find money in an old employer's plan. Cash it out and taxes and a penalty take a bite, or roll it into an index fund and keep the lot. The bite is the price of impatience.
- Car-Lot Land Lease and Build on Your Land. Buy an empty lot with nothing down, because the seller finances it. Later, a builder may offer to put two single-family homes on it. Own the land and you can build on it.
- Return-to-Office Mandate and Golden Parachute. Two very modern layoffs. In the first, your remote job now wants you in an office three states away: relocate or quit and job-hunt. In the second, the company is acquired and your role disappears, but your contract cushions the landing.
There is also a Short Squeeze, a Flash Crash, a New Client Win and a Christmas Bonus, a Designer Bag your partner has fallen for, a Viral Side Project, and two news events that move rents and business incomes across the board. We will let you discover the rest at the table.
Rarity: not every draw is equal
Cards now come with a rarity. Some turn up far less often than others, and the rarer ones get their own badge and frame, so you know when something special has arrived. How rare is rare? A dealer never shows you the deck. Update to the latest version to see it for yourself.
Back to card, and no escape from layoffs
Sometimes you need to look at the board before you decide. Cards can now be hidden so you can study the board, then brought back with Back to card. And some cards have no way to say no. A layoff or an emergency no longer has a cross to dismiss it, because in real life you cannot dismiss those either.
Cards that arrive by post
The new cards travel from our servers instead of inside the app, which is why most future cards will not need an update at all. There is a safety net, so nobody is ever dealt a card their app cannot play. The full story of shipping updates is in Going Public.
Every card, translated again
We also went back through the older card texts and rewrote the Spanish, French, German, Portuguese and Chinese translations, so the deck reads properly in all of them.
Next in the series is 1.3.1, which followed later the same day.
The release notes, word for word
24 new cards, from a roadside motel and a SaaS company to the Big Short, plus rarity: uncommon and rare cards now turn up. Hide a card to look at the board, then tap Back to card. Layoffs and emergencies can't be dismissed any more. Short on cash? Choose how to cover it and see how close you are to bankruptcy. Card texts retranslated in every language.
Play it now
Moneyflow is free on the App Store, free on Google Play and free in any browser. There are no ads, and you do not need an account to start.