Moneyflow — Rules

What is Moneyflow?

A financial strategy board game where you build side income, escape the 9-to-5, and achieve your dreams.

How to Play

1. Pick a persona — each has unique salary, debts, and expenses.
2. Roll dice, move around the board, and land on spaces that let you buy assets, face expenses, or get opportunities.
3. Every time you pass a Payday space, you collect your cashflow (Income − Expenses − Taxes).

Goal

Build enough side income to cover all your expenses — that's your escape from the 9-to-5. Then pick 2 Dreams and buy them to win.

Quick Tips

• 💰 Cashflow is king. Focus on monthly income, not one-time gains.
• 🚫 Avoid unnecessary debt. Every loan adds monthly expenses.
• 💪 Resist impulse buys. Lifestyle inflation slows your escape.
• 📉 Watch interest rates. Borrow when low, pay off when high.

The Board

28 spaces in a loop. Roll two dice and move clockwise. Four corners are fixed: START and three PAYDAY spaces.

When you pass through or land on a Payday/Start space, you collect your monthly cashflow (Salary + Side Income − Expenses − Taxes). Negative cashflow means you lose money.

Your Financial Statement

• Cash — Money on hand
• Income — Salary + Side Income
• Expenses — Monthly bills & loan payments
• Assets — Properties, stocks, businesses
• Liabilities — Outstanding loans
• Cashflow — Income minus Expenses minus Taxes (payday amount)

Banks check two things: Debt Burden (all your loan payments as a share of income, limit 67%) and Leverage (total debt as a share of assets + cash, limit 80%). Borrow-button and bank loans are judged on income alone, each one counted as if its principal were repaid over 7 years. Purchase loans (mortgages, business loans, bridge loans, margin) and borrowing against an asset are approved if either test passes.

Loan terms: mortgages repay over 25 years and business loans over 15 years, both after 6 paydays of interest only; car loans repay over 6 years from the first payday. All three are paid automatically every payday. Borrow-button and bank loans charge interest only: you repay the principal from the Pay menu whenever you like.

Space Types

Investment Spaces

• Real Estate — Buy rentals. Pay down payment, take mortgage, earn cashflow. Rents follow the market: about 6–7% of the price per year in a bust, 9–11% in a recovery, 13–15% in a boom — locked in when you buy.
• Stocks — Slider to choose shares. Quick-pick 25/50/75/100%. Toggle margin.
• Business — Vending machines, laundromats, car washes for side income. Returns follow the market like rentals, plus a 3.5-point premium: about 9.5–10.5% of the price per year in a bust, 12.5–14.5% in a recovery, 16.5–18.5% in a boom.
• Startup — High-risk dice roll. Multiply your money or lose it all.

Income Spaces

• Payday / Start — Collect cashflow. Some include bonuses.
• Bonus — Windfall cash (refunds, inheritance, lottery).

Expense Spaces

• Shop — Temptations. You can buy or resist.
• Life — Babies, weddings, promotions, emergencies, upgrades, inheritance, and more. Divorce splits the estate: half your cash and half your property, debts included.
• Layoff — Lose your job: 1–4 paydays without salary (side income and expenses still apply). May get severance.

Financial Spaces

• Bank — Loans, debt payoff, consolidation, refinance, credit cards.
• Deal — One-time opportunities: wholesale, buyouts, stock tips.
• Market — Events affecting everyone: booms, crashes, rate hikes.

Advisory Spaces

• Mentor — Drawn from Life spaces. Open a savings certificate (10% of every paycheck withheld, earns interest, sell any time), get debt help, free picks.
• Charity — Donate a share of your cash (5–10%), get an extra dice roll.
• Fed Policy — Interest rate changes that affect all loans.

The Economy

• Interest Rate (starts 5.0%) — Affects new loan costs. Rises with borrowing.
• Inflation (starts 2.0%) — Tracks money supply pressure.
• Leverage — Liabilities ÷ (Assets + Cash). Banks limit it to 80%. Purchase loans and loans against an asset can pass on leverage even when Debt Burden is over its limit.
• Debt Burden — Loan payments ÷ Income, interest-only bank loans counted with their principal. Banks limit it to 67%. Higher income = more borrowing power.
• Taxes — Income tax is taken from salary in brackets (12% on the first $2,000/mo, 20% to $4,000, 28% to $7,000, 34% to $12,000, 40% above). Side income is taxed 15% every payday, and profitable sales pay 15% capital gains on the gain over what you paid — losses are untaxed. Escaping the rat race counts side income after tax.
• Negotiate — On purchases, offers and loan quotes you can haggle up to twice. Each round is usually a coin flip: the terms move 20% in your favour or 20% against you, on top of where they stand. But the other side may walk away and the deal is off: one time in ten on the first round, and 15% if you push for a second.

Actions Panel

Between rolls, manage your finances:

• Buy — Purchase assets from the open market
• Sell — Sell owned assets for cash; loans secured on an asset are paid off from the sale
• Borrow — Take an interest-only bank loan (judged on Debt Burden), borrow against an asset you own (Debt Burden or Leverage), or draw on a credit card
• Pay — Pay off loans in full or in part. Bank loans are interest-only, so this is the only way their principal comes down; prepaying a mortgage or car loan lowers its payment

Phase 1: The 9-to-5

Build enough side income to cover all expenses. Track progress with milestone pips:

• 💵 First Cashflow
• 🏪 Side Hustle — $500/mo passive
• 💳 Debt Crusher — Zero liabilities
• 🛡️ Safety Net — $10k+ cash
• 📊 Portfolio Pro — 3+ assets
• 🔄 Halfway — 50% expenses covered
• 🏃 Almost Free — 75% covered

Escape: When side income ≥ expenses, you enter the Fast Track.

Phase 2: The Fast Track

Choose 2 Dreams from 12 goals ($200k–$4M each). Accumulate cash to purchase both and win.

Multiplayer

2–4 players compete. Escape the rat race, choose two dreams, and the first to complete both wins — exactly as in single player. No round limit. 80-second turn timer; a player who leaves forfeits after 60 seconds away. Elo-based league ranking.

All Tips

• 💰 Cashflow is king. Focus on monthly income, not one-time gains.
• 🚫 Avoid unnecessary debt. Every loan adds monthly expenses.
• ⚠️ Use margin carefully. Amplifies gains and risk.
• 💪 Resist impulse buys. Lifestyle inflation slows your escape.
• 📉 Watch interest rates. Borrow low, pay off when high.
• ❤️ Charity is strategic. Extra rolls = more income chances.
• 🎯 Pick dreams wisely. Cheaper is faster but may cost more monthly.