If you hit a doodad cell a card has to be drawn and you have to spend money for the doodad described in the card. All players can make use of the situation that Market card brings in. It helps you sell your assets for a capital gain. But you have to be sure that there is a positive cash flow in this investment.ДЄ market card is drawn when someone reaches a Market cell. If it is viable, you may borrow money from the bank to buy such opportunities. If there are no takers, you have to pass it on. Or else you try to sell it to another player who is interested. It can be in real estate, stocks, bonds, bullion or businesses. The Opportunity card has an investment opportunity. Small opportunities can be bought for US$ 5,000 and below. If you land in an Opportunity cell you can decide to draw an opportunity card from the Small Opportunity Deck or Big Opportunity Deck. House, car, credit card loans, educational loans and bank loans take money out of your pocket and hence they re liabilities.Д®very time you pass the Payday cell and amount equal to the difference between total income minus total expenses is to be added to your savings. Real estate, stocks, bonds, bullion, businesses etc are assets as they put in money into your passive income column month after month.

Rent, dividends from stocks etc are passive income.Д®xpenses include taxes, rent, loan payments, utilities etc. Passive income comes in without any effort from your side. The income sheet has columns for active income, passive income, expenses, savings, assets and liabilities.ДЄctive income is earned when you work - salaries, commission etc. Now the players have to fill in their income statements with the starting financial data corresponding to their profession of choice. Or the player who achieves a passive cash flow of US$ 50,000 wins the game.Д®ach player has to choose a color and profession card from the deck вЂ“ it can be Engineer, Surgeon, Airline Pilot, Janitor etc. The player who gets out of the rat race, moves on to the fast track and buys his dream wins the game. Tallying the income statement after every roll of dice is time consuming too.Д®ach player has to choose a dream from the fast track. It takes time to learn the rules of the games. When I played it for the first time with two others, nobody could get out of the rat race in 3 hours. If three players are playing for the first time, it may take 3 or 4. Too many people trying to learn the game at the same time can be very time consuming. This is especially useful when you are playing for the first few times. But I would recommend that you limit the number of players to three or four. The material supplied can support up to five or six players. Please have some good quality pencils, a sharpener, an eraser and a calculator by hand before starting. You advance your coin along the track as per the number that appears on the dice But as per the instructions of the cards you draw you can roll more than one or you may loose one or more chances. The fast track has dreams and opportunities in the cells. The details of the eventsДЄre given in the manual. It could be a paycheck, opportunity, market, doodad, charity, baby or down sizing. The tracks are made up of cells like any other board game. It has two tracks - the circular rat race track and the fast track. Here is the sequence I suggest: Cashflow 101 Boardgame, Cashflow 101 Egame and then Cashflow 202 Egame. I learned a lot by tallying my income statement manually. But I would recommend playing the board game first before moving on to the E-Game. E-Game versions are cheaper and definitely quicker. It took some time before we could play it without looking up the rules over and over again.Д®-Game Versions of 101 and 202. It looked very tedious in the beginning, especially the financial recording after each roll of dice. We met up at the residence of the owner of the board game and started playing. I canвЂ™t remember how it happened anyway I got in touch with a gentleman who knew someone with the game. So I started searching around for someone who had it and lived nearby. I was not able to afford one of my own then.

The book Rich Dad Poor Dad by Robert Kiyosaki described this game and its benefits. I first heard of Cashflow 101 when I was in living in Bombay, India.

Cashflow 101 game board