Monday, March 8, 2010

Some suggestions for an improved Cashflow 101 game

Hi everyone! Welcome to my blog.

Today's post is dedicated to a great Financial Education game: Cashflow 101 by Robert Kiyosaki.

After having played a few sessions of Cashflow 101, I realized there's something missing in the board: Financial education.

Here are a few ideas to improve the Cashflow 101 game:

* Financial education cards.
And add a set of "financial education" cards. Rich dad poor dad readers get a free financial education card. Financial education cards allow you to find better deals (i.e. you can reduce the downpayment for an offer, or perhaps increase the cashflow by 10, 20 or 50 dollars) or perhaps make a deal without having to roll the dice. Wait, why not make the last one a separate card.

* Opportunity plus cards.
An opportunity plus card allows you to make a deal without having to roll the dice (costs 2 turns). Useful when you're approaching a "doodad" square and want to make an investment first.

* Financial Education quizzes
Perhaps the cards could contain a basic question, and if the question is answered right, the user gets an "opportunity plus" card.

* Specialized investment cards.
If you answer a Financial Education quizz, you're allowed to purchase specialized investment cards (for a price). These cards represent books, magazines and mentors' advice on a deal of your choice: Real Estate, Businesses, Stock investments (I've seen these in the Cashflow 202 game). With these cards, you can choose what kind opportunity to search for (it must match the specialized investment card you have): Real estate (choose between house / apartment capital gains, real estate cashflow, or farm lands to sell later), royalties (book / software / movie / recording / patent), or small businesses (direct marketing / startup).

. To make things interesting, you must roll a 4 or greater to find the deal of your choice. If you roll a 3 or less, you find no deal.

* "Wisdom" cards. These cards represent financial advise and serenity against doodads. As some doodads can really be expensive, purchasing these cards allow you to save yourself from spending your money on a doodad. You can play this card when landing on a doodad. If you play this card, lose 3 turns.

* Health insurance cards. We should add some medical emergency doodads to the board, and of course, allow people to pay for insurance. This will make the game more exciting.

And now that I think of it, why not add some "entrepreneur" module for Cashflow? (say, Cashflow 303?). You make your own startup, and add some rules based on the B/I triangle. When your company goes public, people in the rat race can purchase your stock.

Well, these are a few ideas that I think would enrich the Cashflow 101 game. I hope that if Robert Kiyosaki likes them, perhaps we can see them in a later edition of the game.