Cash Flow 101 Instructions
Cashflow is Divided into Two Parts.
And
The Rat Race The Fast Track
The Rat Race
The Rat Race is where most of us are trapped
day-in-day-out.
Your goal is to get out of the Rat Race and on
to the Fast Track.
To get out of the Rat Race you must buy
investments which gives you passive
income, so that your income is greater than
your expenses.
The Fast Track
The “Fast Track” is where
the Rich People play the
game of money.
Once you’ve moved from the Rat Race to
the Fast Track your goal is to:
1. Buy Your Dream or,
2. Increase Your Monthly Cash Flow
You Win
If
1. You are the first player to Buy your
chosen dream.
Or
2. You are the first on the fast track to:
accumulate $50,000.00 passive income
on the fast track by buying Fast Track
businesses (green squares).
Spaces on the Rat Race
1. Pay Check
2. Opportunity
3. The Market
4. Doodads
5. Charity
6. Baby
7. Downsized
Pay Check
Each time you land on or pass Pay Check
you receive the amount of your Monthly
Cash Flow from the bank, or if it is
negative (minus) you pay the
bank.
The period between pay checks
is one month.
Your pay check is added to
your cash on hand.
Opportunity
Big Deal or Small Deal?
Small Deals cost from $0 to $5,000.00
Big Deals start from $6000.00 up-wards.
Some opportunities can be sold to
other players for a price negotiated
between the players.
Note: Down payment & Cost go to Assets.
Mortgage to liabilities and CashFlow to
Income.
The Market
The Market card is where you will find
buyers for your investments.
It also includes economic events that
may affect your financial position.
Note: Everyone who has the exact assets
as you may sell at the specified price.
The number and cost of stocks go to
Assets
Doodads
Doodads are the unexpected and often
unnecessary items on which we spend
our money.
You will have the opportunity to pay by
Cash or Credit.
Note: You may borrow from
the bank to pay a Doodad bill.
Charity
Just as in life Charity is OPTIONAL.
You may choose to give 10% of your total
income to charity, in exchange for the
use of 2 dice instead of one.
You will have this option on each of your
next 3 turns.
Baby
A new arrival to the family.
The maximum number of children allowed on
the game is 3 per Player.
Expenses per child is automatically calculated
by the game upon choosing your profession.
The cost per child goes to your expense
column.
Downsized
Landing on downsized means that you
have temporarily lost your job!
You will have to pay the total amount of
your expenses and lose 2 turns.
Note: this also ends the effect of charity.
Bank Loans
You may borrow from the bank, unless
you are declared bankrupt.
Loans and payments must be in
multiples of $1,000.00, and 10% interest
rate per month.
Loans are added to the balance sheet
under Liabilities.
Bank Loans Continued
On your turn you may choose to pay off
debt to reduce your total expenses.
You must pay off the entire debt,
except for bank loans which can be
paid $1000.00 at a time
Note: Taxes, Expenses and child
expenses, cannot be paid off, as they
are cost of living.
You send the interest on bank loans to
expenses.
Bankruptcy
If your cash flow is negative at any pay
check, and you don’t have enough cash
on hand to pay the amount due, you are
bankrupt.
Sell the assets you have for 1/2 the down
payment to the bank and use the funds
to pay off the debts, and lose 3 turns.
If your cash flow is still negative you are
out of the game.
THE FAST TRACK
Once you enter the Fast Track you will
receive 100 times your passive income.
This is your beginning Cash flow Day
amount. This is the amount you will
receive each time you land on or pass
Cashflow Day.
Note: You cannot borrow from the
bank on The Fast Track
Spaces on the Fast Track
1. Cashflow Day
2. Business Investments
3. Dreams
4. Charity
5. Tax Audit
6. Divorce
7. Lawsuit
CashFlow Day
Each time you land on or pass Cashflow
Day, you will receive your cashflow day
income automatically.
Business Investments
There are green squares on the fast
track. You may purchase any
investment you choose, by landing on
the space and paying the down
payment required.
Once purchased, that investment is no
longer available to other players.
Dreams
If you are the first player to land on your dream
and have the money to purchase it, you win
the game.
If you land on another players dream, you will
increase their cost by 100%
You can buy it if you want to but you would not
own it and it is really of no benefit!
Charity
Just as in life Charity is
OPTIONAL.
You may choose to give 10% of your total
income to charity, in exchange for the
chance to roll 1,2 or 3 dice.
You will have the option to choose before
every turn for the rest of the game.
Tax Audit
When you land on Tax Audit you will
have to pay out ½ of your cash on
hand.
Divorce
When you land on Divorce you will lose
all your cash on hand.
Lawsuit
This will cost you ½ of your cash on hand.
CONGRATULATIONS
Last screen of the game