How To Play Cash Flow Game 101 & 202 – Game Rules

How to play game cashflow 101 and 202

How To Play Cash Flow Game 101 & 202 – Game Rules

The Rat Race

Each Player will start in the Rat Race. The wheel of the Rat Race represents the life of most people who spend their time going around in circles and never getting ahead financially.

Getting out of the Rat Race

CASHFLOW® THE E-GAME (101): In order to get out of the Rat Race your Passive Income must be GREATER than your TOTAL EXPENSES. To do this, you must buy investments which give you Cash Flow (or passive income).

CASHFLOW® 202 THE E-GAME: To get out of the Rat Race your Passive Income must be EQUAL to or GREATER than TWO TIMES your TOTAL EXPENSES.

For example: As the Truck Driver, you have Total Expenses of $1,620. Your Passive Income must be equal to or greater than $3,240 before you can exit the Rat Race. To create Passive Income, you must buy investments which give you Cash Flow.


How to play game cashflow 101 and 202
How to play game cashflow 101 and 202

The Fast Track

The Fast Track is the outer track in the game – it is also where the rich play the game of money in life. Once you’ve moved from the Rat Race to the Fast Track your goal is:


1.) Buy your dream  OR

2.) Accumulate $50,000 in Fast Track Cash Flow by buying Fast Track businesses.


1.) Accumulate $50,000 or more in Cash Flow from businesses bought on the Fast Track AND

2.) Buy your dream OR any two other dreams.

Winning the Game


In CASHFLOW® 101 you WIN the game if you are the first Player to increase your Fast Track monthly Cash Flow by $50,000 OR if you are the first Player to buy your own DREAM.


In CASHFLOW® 202 you WIN the game if you are the first Player to increase your Fast Track monthly Cash Flow by $50,000 AND buy your own DREAM OR any two others.



Your Financial Statement has two important parts associated with it – the INCOME STATEMENT and BALANCE SHEET.

The Income Statement

Tracks all the money you make (Earned Income and Passive Income) and all the money you spend (Expenses) on a monthly basis. This is the bottom-line on your current financial situation because it shows whether you’re making money or losing money on a monthly basis. Your Income Statement is shown on the left side of the computer screen.

The Balance Sheet

Shows all the items you own (Assets) and all the money that you owe (Liabilities) to someone else. These items are displayed at the bottom of the computer screen.

Income – Money that flows into your pocket each month is your income. If this money comes from Assets that you own, then it’s considered Passive Income. If it comes from your job as an employee, it’s considered Earned Income.

Expenses – Money that is spent each month are called Expenses. These include the cost of liabilities and can also be items such as clothing, groceries, car payment, etc.

Asset – Something that puts money in your pocket with minimum labor from you. For example; Rental Properties, Stock Dividends, Businesses that someone else runs for you.

Liability – Something that takes money out of your pocket on a monthly basis. Some liabilities are necessary expenses. For example: cars (which aren’t rented), boats, and your own home mortgage.


Adding Items

When it comes time to add items to your Financial Statement you’ll be asked to drag each item over to the correct position. To do this, click on the item and hold down your mouse button while dragging that item to the section in your Financial Statement in which it belongs. If you aren’t sure where something belongs, click on the help button.

Removing Items

When it comes time to REMOVE items from your Financial Statement a box will pop up to prompt you. Simply find the specific item on your Financial Statement, click on that item – a RED line will cross out that item to be removed. You must also click on the

Auto-Sum buttons to recalculate the totals in each section.

For example: You’ve landed on the Market Space. You own a 3/2 house and want to sell the 3/2 house under the conditions described.

Locate the 3/2 property you wish to sell in the:

1.) INCOME section under REAL ESTATE. Click to cross-out with a red line.

2.) ASSETS section under REAL ESTATE. Click to cross-out with a red line.

3.) LIABILITIES section under RE MORTGAGE. Click to cross-out with a red line.

4.) Click the AUTO-SUM buttons to re-calculate the totals in each section.

5.) Click CONFIRM.

Auto-Sum Buttons

Anytime you add or remove an item that will affect your Income, Expenses or Cash Flow you need to click on the AUTO-SUM button to finish updating your sheet. These are purple buttons displayed to the left of the Income, Expense and Cash Flow text on your statement.


It’s important to continually audit your Financial Statement. The computer will warn you if you’ve made an error and automatically reset any items that are in the incorrect position. You will then be required to make the correction with that specific item before proceeding with game play.


When it’s your turn, simply click the ROLL DICE button. When it’s your opponents turn, you will click the CLOSE button. (Why? This keeps you in the game and aware of what deals or obstacles other Players face.)


Paycheck Square (Yellow Space)

Each time you either go past or land on a PAYCHECK space you get the amount of your current total income (earned and passive incomes) minus expenses. This is your NET MONTHLY CASHFLOW on your Income Statement. Unlike the board game, your paycheck is automatically added to your cash on hand.

Baby Square (Purple Space)

A new arrival to your family! Landing on this space will now add a pre-determined

additional monthly expense. A maximum of 3 children per game.

Downsized Square (Purple Space)

Landing on DOWNSIZED means you have temporarily lost your job. Pay the bank 1 payment of your TOTAL EXPENSES. You are not out of the game – you will lose your next 2 turns. You are still allowed to buy or sell stock and real estate if offered to you by another Player. This also ends the affect of a Charity donation.

Charity Square (Gold Space)

CHARITY is the act of giving to others. Upon landing on the Charity space, you may choose to give 10% of your TOTAL INCOME (earned & passive incomes) to Charity (the bank) in exchange for the use of 2 dice on each of your next 3 turns.

Opportunity Square (Green Space)

Part of learning how to invest involves learning where to find your opportunities.

In CASHFLOW® 101 when you land on an Opportunity space you will choose between a BIG DEAL or a SMALL DEAL. They include a variety of investment opportunities that will help you with your goal of getting out of the Rat Race. Small Deals are investments that typically require a down payment (cash on hand) of $5,000 or lower. Big Deal investment opportunities will begin with a $6,000 down payment (cash on hand) or higher.

In CASHFLOW® 202 the Opportunity space now offers Players the choice between CAPITAL GAIN DEALS and CASH FLOW DEALS. Both Capital Gain Deals and Cash Flow Deals will include all three assets classes including businesses, real estate, and paper assets. While Capital Gain Deals will typically generate cash – Cash Flow Deals will bring you passive income.

Note: Opportunities are, therefore, separated by the intended outcome, not by the size of the deal as in CASHFLOW® 101.

Doodad Square (Pink Space)

DOODADS are the unexpected and often unnecessary items of which most people spend their money. Doodads are mandatory, not optional in the game. You may pay cash, borrow from the Bank (see Bank Loans), or purchase on your credit card to pay Doodad expenses.

In CASHFLOW® 202 DOODADS can be substantially higher and also include monthly maintenance fees that add to your TOTAL EXPENSES.

Market Square (Blue Space)

Landing on a MARKET space gives the Player or Player’s the opportunity to sell any ASSETS acquired during game play. Keep in mind if you sell any ASSETS that currently give you monthly Cash Flow (passive income), you will lose upon selling it.

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