Robert Kiyosaki's cash flow game - goal, rules, learning how to play. Robert Kiyosaki: game Cashflow Rules of the game cash flow 101

ashflow) is an amazing business game where the features of the United States economy are used as the game basis. The author is Robert Toru Kiyosaki and he states:

“The more and more often a person plays my creation, the sooner he will be successful and rich.”

The game can improve literacy in the use of personal finance and expand the boundaries of understanding in the field of investing.

about the author

The founder of the game, Robert Kiyosaki, is a famous entrepreneur, investor, creator of the best-selling books “The Cash Flow Quadrant” and “Rich Dad Poor Dad”, who helped people rethink their approach to finance and budget planning. The author grew up in a family of educators in the United States.

Robert Kiyosaki developed versions of the game taking into account the player’s savvy in the economic sphere: Cashflow” in modifications 101/202, 303, 404 and 505.

The goal of the game is to gain financial independence through competent management of your money.

Financial Basics

The goal of the game is to gain financial independence through competent management of your funds received in the game. At the same time, at the beginning of the game you receive a small amount and must multiply it to win the game.

Before starting the game, the player must choose his goal. The player will have to go to her throughout the entire game. The main condition for winning the game is to achieve your goal. The first player to reach his own goal is the winner. This is how the author of the game wants to show that you always need to choose a goal and move towards it. And those who achieve their goal will always become winners.

To improve your position in the game, you need to increase your fortune, which is the ratio of the difference in your income to the expenses of the game currency.

To win a game game without having the best position in the game, you need to overcome two game levels:

1. "Rat race". During this stage, players work until they retire.
2. "Fastway" During this stage, players spend and receive large amounts of money to achieve their goal.

This is the sequence of wins and losses throughout the game. During the game you will experience ups and downs, gains and losses. You yourself will choose which cases to accept or reject, what to sell and what to buy.

A few words about the Cash Flow Quadrant

The creator of the game suggests making the gameplay into four parts:

1. Employees
2. Entrepreneurs
3. Businessmen
4. Investors

Players who receive their money for completing tasks and special activities become employees. The state is obliged to provide insurance and guarantees to such players.

Players who start their own business and work at their own job become entrepreneurs. Such players do not receive a permanent, stable income. If such a player stops participating in his work, he will also lose his money.

Players who create their own business, which brings in a constant, stable income, become businessmen. This business brings in the same income, regardless of the amount of costs it costs. Businessmen can be employers, and their income is several times greater than that of workers and entrepreneurs.

Players who receive income from passive investments in someone's business are called investors. The goal of such players is to maximize earnings from their investments and choose their investments wisely.

Rules of the game CashFlow

The whole game is based on overcoming two circles, which are called “Rat Race” and “Fast Track”.

First round

Your first task in the game is to get out of the rat circle. To exit it, you need to have passive income that will cover all cash costs. To escape the circle, several conditions must be met.

One of the most important conditions:

Your income from passive income should be more than all your expenses for the month. Passive income is the money you receive for investing in different projects, regardless of your work.

You must also pay off all loans and mortgages that were determined at the start of the game.The dynamics of the game on this circle are the fastest, and it shows all the strengths and weaknesses of the player.

Second round

After completing the "Rat Race", you have to go through the next round. The rules for this circle are somewhat different from the rules of the past. The main condition for leaving the circle is to become independent from your finances in order to achieve your personal goal, which you chose at the beginning of the game. However, you have an alternative option to exit the circle. You can simply increase your capital to $50,000.

Money in the game is not the goal itself. Money is just a way to achieve this goal. When you understand what money is needed for, then you can realize your dream. Only after realizing that you have chosen the right goal will you be able to constantly move towards it without missing out on details or spending money on unnecessary things.

Beginning of the game

Before you start the game, you need to do a few preparatory steps:

First of all, you need to select your dream from the general list, it will be your main goal throughout the game. You can also just come up with a dream for yourself. Write down the selected goal in the cell provided for this purpose. Each goal has its own price, the price can be either expensive or cheap.

Fill in your game balance based on the data in the starting card issued to you. It is very important to transfer the data from the card to the balance sheet. Next, check your balance and the balance of the player who is to your left.

Check your balance and the balance of the player sitting to your left.

Before starting the game you need to take several items: pencils with erasers, chips, calculators, chips and money for the game.

Equipment

The board game is housed in a convenient organizer with the following components:

• cards with professions;
• event cards;
• cash;
• chips – 6 pcs.;
• dice;
• balance sheets;
• rules.

Depending on the modifications of the game, there are some differences in the configuration. Thus, 20 professions and more than 100 game cards have been added to Cash Flow 303. And “Cash Flow 404” contains a division of professions by gender and more than twice the number of game cards.

Description of cards

Small and big deals

This is the ability to create assets. Small traces include assets worth up to $5,000, large ones - over $5,000.

Unplanned expenses or the “Let’s Spend” card

It is impossible to refuse them, unlike the situation with transactions. Unplanned expenses in the game include:

1. expenses for pleasures;
2. 2. mandatory expenses.

Market Card

Poluchka Map

Every time you cross the “Payment Receipt” cell, you will need to contact the presenter and tell him the amount currently stored in the Cash Flow account. If you suddenly forget to ask the presenter for money, then you lose it. You can receive the payment receipt before the next player rolls the dice.

Charity

both in life and in the game, it is a completely voluntary event. However, by giving 10% of your income to good causes, you will have the opportunity to double the speed of movement in the small game circle.

Unemployment or bankruptcy

means only one thing - you lost your job, and therefore you need to pay the bank an amount equal to your total expenses. If you do not have that much money on hand, then you will have to sell part of your assets at a price equal to 50% of their real value. In addition, after bankruptcy for two months, when you cross the “Payment Check” box, you will be able to receive exclusively Passive income, if, of course, you have one.

Birth of a child

means that you need to increase the expense item by the amount declared in the “Child Expenses” column on your starting game card.

Completing a Balance Sheet

Since all the gameplay takes place not so much on the playing field, but on your balance sheet, it is important to know all the rules for filling it out.

Purchase of shares

So, let's say you bought 600 shares of Apple at a price of $2 per share. This event must be recorded in your balance sheet in the “Promotions” column.

Sale of shares

If you decide to get rid of securities, then the bank will have to give you an amount equal to the value of your shares at a given time and multiplied by the number of securities you are selling. You carefully remove the sold securities from your balance sheet using a regular office eraser.

Buying a property

For example, you become the owner of a house whose value is $35,000. You paid $2,000 down on it, which means you only have to put $33,000 on the mortgage instead of $35,000. The “flow” from owning this property is $220.

In the Assets section, we will need to indicate the down payment paid on the property ($2,000) and the total cost of the home ($35,000). But the cost of the mortgage will need to be reflected in the “Liabilities” section.

In the “Income” section, we write down the amount of passive income and recalculate our Cash Flow.

Property For Sale

If you decide to sell a property, you need to erase the property from your balance sheet and deduct the mortgage amount from the purchase price. After that, you erase the amount of passive income that the building brought you and recalculate the “flow”.

Acquisition and sale of business

Everything happens by analogy with real estate, and therefore I see no point in describing this point again.

Getting a loan

If you need to obtain a bank loan, then in the “Liabilities” section you indicate the loan amount.” In the “Expenses” column, you need to enter the amount of interest payments on the loan issued, and then change the total expenses and the amount of cash flow.

Investor circle

Once you leave the Rat Race, you will find yourself in a large gaming circle or, as it is also called, the Investor Circle. Here you can get to three types of fields:

• business investment;
• dreams;
• surprises.

Your task on the Investor Circle is to buy your dream or earn an amount equal to $50,000. Here, the small circle cards do not affect you in any way. All you have to do is roll 2 dice. If you suddenly forget to immediately withdraw your money, then you can receive it at any time convenient for you, without losing the money you earned, as is the case with the “Rat Race”.

I think no one will argue that the learning process is greatly facilitated when using gaming techniques. science, which requires a restructuring of life style and the abandonment of many stereotypes of thinking. From this article you will learn about a very successful assistant in studying the science of investing - about the game “Cash Flow”, or in the original “Cashflow”.

Cash flow and investor

I've been running this blog for over 6 years. All this time I regularly publish reports on the results of my investments. Now the public investment portfolio is more than 1,000,000 rubles.

Especially for readers, I developed the Lazy Investor Course, in which I showed step by step how to put your personal finances in order and effectively invest your savings in dozens of assets. I recommend that every reader complete at least the first week of training (it's free).

The game was developed by Robert Kiyosaki, the bestselling author of the Rich Dad books. In the game, Robert summarized the main ideas of his approach to investing in an accessible form, making the material accessible even to children. The first version of the game was a board game called Cashflow 101. It appeared in 1993. Since then, the game has been expanded more than once and currently version 606 is in development. All previous versions exist in both desktop and computer versions. Now let's briefly look at the essence of the game and the differences between the versions.

If we unpack the board game, we find:

• Playing field A1 format;
• Professions cards;
• Event cards;
• Money;
• Chips;
• Cubes;
• Balance sheets;
• Rules of the game.

Version 202 additionally includes options and short sales accounting sheets. In the classic versions (101-404) there can be from 2 to 6 players. The playing field is divided into 2 parts. They're called the rat race and the fast track. The Rat Race is a circle in which players move rat tiles by the number of squares that appear when rolling the dice.

At the very beginning of the game, each player receives a card with a profession. In addition, you need to choose a dream, because the goal of the game is to buy it. To do this, you need to collect a certain amount of money using various investment options: real estate, business, securities, etc. Gradually, the player’s income increases, but so do his expenses. The rat race is an analogue of ordinary life with low salaries, unforeseen expenses and constant income. The fast track is a “beautiful” life due to high passive income from investments, when it is not necessary to work. Every player strives to leave the rat race and get on the fast track as soon as possible.

Rules of the game "Cash Flow"

A very important (if not the most important) element of the game is filling out an income and expense report, as well as a balance sheet. The goal is to ensure that revenues consistently exceed expenses. The difference between them is called in the game (as in R. Kiyosaki's books) cash flow. If the player manages to add $50,000 in monthly cash flow to his initial income, then, alternatively, the goal of the game is considered achieved, even if the player has not yet managed to buy his dream. In both cases, the game ends for the winner. The game strategy is to maximize passive income, i.e. income that is not related to work but represents a return on investment. When a player rolls the dice and moves his piece a given number of spaces, he can land on one of the fields:

• Payment check;
• Opportunity;
• Market;
• All sorts of things;
• Charity;
• Child;
• Dismissal.

There must be a banker in the game. The banker's job is to accept and issue money. When a player lands on the “Settlement Check” field, he either demands the bank to give him the amount due in case of a positive cash flow, or pays the bank the amount of a negative cash flow. This data is not shown on the balance sheet, which is done to simplify the game. Once on the Opportunity board, the player can choose one of the cards in the Small Deal or Big Deal decks.

The largest amount for a small transaction is $5,000, large transactions start at $6,000. The essence of the transaction is to purchase or. This could be a ready-made business or one of (a bill of exchange). If the player does not have enough money available to him, he can take a loan from the bank, although not the entire amount of the transaction; the initial payment will still have to be made from his savings. The loan amount appears on the balance sheet in the "liabilities" section, and monthly payments appear on the income statement in the "expenses" section. Below is an example of filling out a card.

If a participant gets an asset on the “Market” field, the player has the right to sell one of his assets at the market price. He informs the banker about his decision, who gives him the appropriate amount. The outcome of the transaction must be reflected in the balance sheet. In a small circle, the player is constantly faced with unplanned and often unnecessary expenses. They occur when the player enters the “Miscellaneous” field. In this case, you need to take a card from the corresponding deck and read its contents. Possible options: car repair, going to the cinema, collecting stamps. These expenses cannot be waived. If the player does not have enough money, he has to take out a loan from the bank. "Stuff" is the most controversial aspect of the game. No one in their right mind would spend their last money on unnecessary purchases, although...

As one of the tests, job loss occurs repeatedly in a small circle. The corresponding field is called “Dismissal”. It is assumed that with optimal gaming tactics, even in this case, passive income will not become negative. However, not all players succeed in this. As usual, you need to pay the bank the amount of monthly expenses (you can pay with a loan). In addition, here the player misses two turns.

Finally, there is also the “Child” field. The birth of a child means an increase in monthly expenses. This must be reflected in the income statement in the column “Children’s expenses.” There can be a maximum of 3 children. Also a poorly thought out game moment: the child falls out of the blue, although it would be more logical to connect this event with a certain level of income.

My reviews about the game Cash Flow

Since the introduction of Cash Flow 101, several improved versions of the game have appeared. In version 202, for example, you can not only buy shares, but also sell them short in order to play in a falling market. Options and network marketing have also appeared, and a loan can be taken out for 100% of the purchase price. Versions 303, 404 and 505 also added political risks, corruption, differences in the rules of the game between women and men, and in version 505 the maximum number of players was increased to 12. In general, version 505 is very different from the previous ones and is designed for established businessmen. Its main goal is to teach techniques for successfully surviving crises in order to use them to defeat competitors. All these differences are clearly presented in table form:

There is also a simplified Cash Flow game for kids. It is adapted for children over 10 years old, but requires parental assistance.

How to play Cash Flow on a computer

In addition to the desktop version, the game “Cash Flow” is also implemented in a computer version. In its main features, it is as close as possible to the original, but it is noticeably simpler, since the tables of income and expenses, as well as the balance sheet, are filled in automatically. Despite the exciting gameplay and practical benefits, the game has major shortcomings. For example, when a player already has money to make his dream come true, he still needs to get into the appropriate field. It is possible that an opponent who was constantly behind will come to the finish line first thanks to a more successful dice roll. Another drawback of the game is that it does not provide for additional work or part-time work, whereas in life this is a normal phenomenon. Finally, the player has the opportunity to invest from the very beginning of the game thanks to a fairly large positive cash flow. In life, such an opportunity may not exist for years. You can download the offline version of the game Cash Flow for PC from torrents (search at tfile.co/forum).

cashgo.ru. Be careful, the game is addictive, maybe someday I’ll do a review on it.

You can buy the original board game Cash Flow at (now the cost is about 8,000 rubles). Quite a high cost is a distinctive feature of all Kiyosaki products.

The Cash Flow game will definitely make you smarter in matters of personal finance and investing. As I already said in recent investment reports, there is now a desire to organize regular games in St. Petersburg. If you want to participate, just click on the VK icon (to the right of the text field) and write briefly about yourself. I will keep you updated on events.

Profit to everyone!

Hello everyone, Alexander Berezhnov is here.

Friends, each of my articles is my own experience gained in battle, as well as the experience of my friends, mentors and like-minded people who have gone through a lot and achieved success.

Today there are several versions of this game: Cash Flow 101, 202, 303 and 404.

All of them are designed to teach you how to competently handle personal finances, investing skills and building your own business.

How it all began

Eight years ago, a friend of mine gave me the book “Rich Dad Poor Dad” by Robert Kiyosaki to read. He said that I would definitely like it! I started studying it, and time flew by in a flash.

The book is amazing, read in one sitting. After reading it, my whole life changed! I realized that I wanted to become an entrepreneur, and subsequently, having achieved great success after a couple of decades, teach other people to do this.

While I was reading Robert Kiyosaki's book Rich Dad Poor Dad, I learned that he created the legendary real life financial simulation game CashFlow. Now it is played by millions of people all over the world; championships and trainings are held in different cities.

Rich Dad Poor Dad tells the author's life story of how he became a dollar millionaire, investor, and world-renowned financial coach under the guidance of a mentor.

The book also talks about the high moral principles of real entrepreneurs and charity.

Funny story about how I bought the game "Cash Flow"

Some time after reading this book, I decided that I would start my entrepreneurial journey with charity. I didn't hesitate and donated 10,000 rubles children's department of the Stavropol city psychiatric hospital.

But so that my help would definitely reach the children, I went to a good book and stationery store and bought children’s games, magnetic boards, albums, pencils, paints and other goods for the school year for the children.

By a happy coincidence, it turned out that it was in this store that the only game “Cash Flow” was sold in the city at that time. And I bought it for myself along with the “children’s” products. This purchase changed a lot in my life, strengthening my entrepreneurial spirit and allowing me to gain new acquaintances and experience!

Game description

The essence of the game– become financially independent by properly managing the SMALL personal finances that you receive in the game in the form of a salary.

Friends, everyone knows that any business must start with a goal or dream. At the beginning of the game, each participant chooses his dream. Thus, the author shows the importance of this step in the life of every person. The player who completes it the fastest wins.

There is another way to win - to significantly increase your cash flow. No wonder the game has a corresponding name.

How can you achieve your dream while working a regular job and receiving a salary?

To do this, the game has two stages:

1. "Rat race" - here most people spend their entire lives until retirement, spinning like a “squirrel in a wheel”
2. "Fast Lane" - wealthy people earn big money here and make their dreams come true!

During the game you will make deals, bargain and make a variety of decisions, training your financial intelligence. Here you will find ups and downs, big profits and ruins, disappointments and victories.

You will experience all these interesting moments during the game.

Friends, be sure to play Cash Flow and I assure you that you will look at your finances differently.

The game will be of interest to everyone - from a simple office worker to the owner of his own large company.

During the game you will learn:

• How to manage personal finances correctly?
• What financial instruments to invest in (real estate, stock market, bank, own business, precious metals, etc.) and how to do it Right?
• What is the difference between “linear income” and “passive”?
• What is the Cash Flow Quadrant?
• How to behave correctly if you are fired from your job?
• What are “assets” and “liabilities”?
• How to create or buy a business correctly?

During the game, just like in life, you may have children, you may be fired from your job, you may get rich or, on the contrary, go broke.

This is not just a game - it’s a whole training that will help you organize and increase your own finances.

What is the Cash Flow Quadrant?

1. Wage-earners
2. Self-employed workers(entrepreneurs)
3. Businessmen
4. Investors

1. Wage-earners- these are people who perform certain functions while working for a salary. They are interested in the stability of their position and certain guarantees from the employer and the state.
2. Self-employed workers(entrepreneurs) are those who have opened their own business and work for themselves, but do not have a system that provides them with income. That is, if such a person stops working, then, as in the case of an employee, his income will also tend to zero.
3. Businessmen– people who have created a system that brings them income regardless of their daily labor costs. They are employers and often their business turnover is measured in very large numbers compared to hired and self-employed workers (entrepreneurs).
4. Investors– receive income from investing available funds in businesses and property. Investors strive to get the highest possible return on their investments and try to strike the right balance between risks and returns on investments.

The quadrant itself is conventionally divided into left and right sides. On the left side are employees and entrepreneurs, and on the right side are businessmen and investors. Moreover, people on the right side of the quadrant are much more free and financially wealthy.

By regularly playing Cash Flow, you will understand more and more how exactly become such a person: free, rich And successful.

Reviews of the game "Cash Flow"

My colleagues and like-minded people have already played 106 games over 5 years. In particular, with my friend and co-author of the HeatherBober blog Vitaly, we played more than 30 games. At the end of each game, I asked people to provide written feedback about the game by filling out a special form with questions. Over the years I have accumulated a whole stack of such reviews.

See for yourself:

Here's what my friends say about the game:

And here are photos from our games:

I highly recommend playing Cash Flow to everyone, regardless of age or occupation. I am sure that you will spend your time usefully and at the same time gain very good practical knowledge and interesting experience!

All this will help you further improve your financial situation. Play the game more often with friends and business partners. I especially recommend this game to those who have problems planning their finances.

Where to buy the game "Cash Flow"

In large cities, the game can be found in large bookstores or specialized board game stores.

But there this game in the board version will cost 30-50% more, so it is much more profitable to order it via the Internet.

There are many different dubious online stores, but I prefer to order only from the most reliable and trusted ones, for example, from the online store ozon.ru (free delivery within Russia)

And remember, as he himself says

“The more often you play Cash Flow, the richer you become!”

Robert Kiyosaki

This is true because you begin to think more effectively, and as a result, your actions change, allowing you to achieve the best results!

Here's a live video of Robert Kiyosaki talking about his acting: (3:55)

Dear readers, what do you think about this game? What other business games do you know? Share your opinions and reviews in the comments!

Those who have even heard about Robert and Kim Kiyosaki, and even more so if they have read their books, probably know the board game they developed Cashflow 101 / 202.

This game is also available in electronic form, but we decided to remember the “old times” when we played Monopoly as children and then in our “more mature years”, so we purchased the desktop version of Cashflow 101 / 202 (“Cash Flow”) , ordering her brand new on ebay for about $100.

The parcel with the game did not take long to arrive, and after a short time we were unpacking with interest the weighty box, which contained “multi-colored sundries”: instructions for the game, financial report forms, “toy” money, cards with professions, playing field, cards with various financial situations, chips, cubes...

So what is the game “Cashflow 101” and what is the point of it?

It’s not at all difficult to understand the rules of the game; you just need to start playing after flipping through the instructions, and during your first attempts to play, keep them at hand at all times.

This game is nothing more than a training manual on how to manage your finances. It is believed that this game figuratively breaks the usual stereotypes; it teaches financial literacy and the basics of investing. The game helps you understand and build your own financial strategies, teaches you the skills of assessing risks and opportunities, and the ability to invest in various areas of financial activity.

Cashflow (whether you have money to invest or experience in this area or not) allows you to develop thinking in an investment context. The creators of the game used the experience of accounting and tax consultants, brokers, realtors, financial specialists, etc. Thanks to this, the game helps to partially understand such a complex subject as investing.

As you remember, Robert Kiyosaki (“Cash Flow Quadrant”) divides all people into four categories:

An employee (Employee) is his main value: salary and privileges and guarantees at work. “I want to have a stable job and a good benefits package.”

You are your own professional, your own company (Self-employee) - “My hour costs n dollars, I know my worth, you won’t figure it out without me. If there is a problem, I take it upon myself and solve it.”

Businessmen - “My job is to create a working system. I create a system and make money from it.”

Investor - “I’m looking for business systems in which I can invest money and receive passive income from it.”

The main difference between Businessmen and Investors from Employees and Specialists, according to the author of the cash flow quadrant, is precisely their ability to create assets.

It is precisely the ability to distinguish between what assets and liabilities are, as well as the creation of assets that this game teaches.

At the beginning of the game, each participant chooses a specific character who already has an education, profession, as well as a financial report. This financial report already initially includes: wages, loan debt (for housing, car, etc.), expenses for children, and other things that we usually encounter in our daily lives. The point is that even the most prestigious profession with a high salary can also incur large expenses, for example: liabilities - mortgage, car loan, credit cards, etc. and is not a guarantee of a quick exit from the Rat Race.

The data from the card with the chosen profession is transferred by the player to his financial report, in which during the game he will enter new financial income, acquired assets (investment real estate, business, shares, etc.), as well as all loans taken. For convenience, it is advisable to use a simple pencil, because... During the game you will have to constantly add/remove certain financial data, while making constant calculations.

Those players who have not yet left the Rat Race use the financial report - photo on the left; and those “lucky ones” who have already entered the Speedway then use the one in the photo on the right.

A financial report is the same columns of income-expenses-assets-liabilities that Robert Kiyosaki writes about in his books. Money comes and goes, leaving at the end the same Cash Flow.

To get out of the Rat Race, your monthly passive cash income must be equal to or greater than your monthly expenses. After leaving the Rat Race, the player finds himself on the Fast Track, the goal of which is to teach how to invest like truly successful people do. The investment amounts on the Fast Track will already be strikingly different from those in the Rat Race circle.

So, all participants in the game take turns throwing the dice and moving around the cells of the playing field. Everyone starts the game in the Rat Race circle. The first main task is to get out of them, as already written above, by constantly increasing your passive cash flow.

The Rat Race represents different “everyday” situations: “opportunities” - real estate, business and securities; "market" - for example, selling your property; “salary” - income; “charity” - can speed up movement through cells; and several “negative” ones – various kinds of additional expenses; “dismissal” - skipping a move; “trinket” is a waste of money in the form of household purchases.

The point of the game is to learn how to make money work for yourself, and not work for money. The point here is not about “making a career,” but about learning financial literacy. To do this, you can do anything - of course, if you have enough money for it: play in the stock market; buy real estate; participate in starting a business; engage in network marketing.

The game has a large number of different financial transactions and situations. The player can choose any path. But at the same time, we must not forget that in the game (as in life) there are also negative transactions, taking part in which you can ultimately go bankrupt. And debts need to be paid...

By the way, this game is interesting not only for learning. While playing it, it is also interesting to watch the participants, because... each of them has their own individual attitude to money, to financial risk, to “getting into debt” and, accordingly, their own attitude to debt, to financial strategies, etc. Figuratively speaking, in the game some are afraid to take risks and prefer to live on their salary , thereby leaving themselves forever in the wheel of the Rat Race, others very quickly get into small debts, trying to “concoct” a big business out of this and as a result suffer bankruptcy, others take desperate risks...

We have not yet tried to play the continuation of the game “Cashflow 202”. Judging by the description, its difference from version 101 is that the conditions of the Rat Race become tougher. In order to get out of them, you will have to make a lot more effort.

By the way, there are clubs for fans of the Cashflow game all over the world. We haven’t gotten around to finding something similar in Melbourne yet, but we’ve definitely already set up our “home club”. The game is definitely entertaining and the more players there are, the more interesting it is from the point of view of excitement and discussions and learning as such.

For those interested, take a look at Robert Kiyosaki’s website: www.richdad.com. The site itself is interesting, even simply because of how you can make money from coaching today. The information for this note was also obtained from the website: www.cashflow.com.ru.

Greetings, dear friends! Since you are reading my blog, it means that you and I are united by one idea and goal - become financially independent and stop the endless “rat race”. Who wants to realize themselves, their ambitions, gain financial freedom and start enjoying life without worrying about whether they have enough money to buy an extra pair of shoes, go to the cinema or buy winter clothes for their child. Today there are a huge variety of ways to create your own business and acquire all kinds of assets.

On the way to success and wealth, we all hit bumps and we gain invaluable experience. Author of the book "Cash Flow Quadrant", renowned businessman, investor and financial commentator Robert Kiyosaki I am confident that losses and losses that precede success can be reduced and minimized. If you are wondering how to do this, then you will need the Cash Flow game, developed by Kiyosaki himself.

The history of the creation of “Cash Flow”

The game interested me, and I decided to be curious about why and why the author decided to move away from serious lectures and start developing a toy. It turned out that after reading another seminar on the topic of financial literacy, the importance of passive income and creating one, a married couple approached Robert Kiyosaki, beaming with joy and happiness. The “enlightened” husband and wife thanked the businessman for opened their eyes to simple things that from now on they will cease to be poor, will begin to save money and learn to multiply it. A few years after the next seminar, a married couple approached Robert again, tearfully thanking him and swearing that from that very day they would begin to invest all their free money, master it and stop being poor.

At this moment, Kiyosaki was overcome by a feeling of déjà vu. He was sure that he had heard similar things before. The author of the training asked the couple if they had attended his lecture several years ago. The joyful couple simply beamed, because Kiyosaki himself remembered them! They confirmed that they had indeed already attended his seminars. Then the businessman asked them how their lives had changed qualitatively during this time, how the knowledge they had gained had helped them get rich, because today’s lecture was on the same topic as several years ago, which means they listened to it twice.

It turned out that the grateful spouses had nothing to boast about. They did nothing that Kiyosaki's knowledge inspired them to do. Actually, it was for this reason that they came to the lecture again, to arm themselves with a magic kick that would allow them to get off the ground. It was at this moment that Robert Kiyosaki realized that between theory which he teaches, and practice acquired in the process of performing specific actions, there is an almost bottomless abyss.

It was then that he was enlightened by the idea of ​​​​creating desktop business simulator, which can replace the same type and, in a sense, boring lectures, and gain real skills in an easy and unobtrusive game form.

Gameplay and basic rules of the CashFlow game

So, the essence of the game is to achieve financial independence by proper management a small amount of personal finance received by the player in the form of wages.

I think you will all agree that any business begins either with a goal or with a dream. It is based on this rule that at the very beginning of the game each participant will have to choose his own dream, towards which he will go throughout the entire gameplay. Thus, Robert Kiyosaki is trying to show you and me how important it is to choose a goal towards which we will move. The game is considered completed when one of the players achieves the goal. The same player becomes winner game party.

In order to overtake your rivals and win, you just need to increase your cash flow. In the context of a game, cash flow is nothing more than the difference between the income and expenses of a participant in the game.

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To achieve your dream, being the most mediocre worker and receiving the most ordinary salary, you need to go through two stages of the game:

• « Rat race”, in which most people spend their lives until retirement, spinning like a squirrel in a wheel.
• « Fast track", on which successful people earn huge money and realize all their dreams and desires.

As you progress through the game you will be asked to enter into certain deals, bargain and make various kinds of decisions, thereby training your entrepreneurial thinking. It must be said that as the game progresses you will experience both dizzying ups and frustrating downs. CashFlow is a series of victories and disappointments, ruins and acquisitions.

Who is this game for?

I advise both ordinary office workers and owners of large companies to buy the Cash Flow game. CashFlow will teach you:

The rules of the “Cash Flow” game provide for the appearance of children during the game, dismissal from work, sudden enrichment or, on the contrary, ruin. CashFlow is not your average table game; this is real training, capable of organizing and increasing all your finances.

A few words about the Cash Flow Quadrant

I would like to make a short insert and tell you that Robert Kiyosaki himself conventionally divides the business world into four categories:

• Employees;
• Entrepreneurs or self-employed workers;
• Businessmen;
• Investors.

In the role employees This gradation includes people who perform certain actions and tasks, receiving compensation for their work in the form of wages. Employees are interested in the stability of their position and certain guarantees that the state and the employer must provide them.

TO entrepreneurs or self-employed workers, in accordance with the quadrant scale, we include those who managed to open their own business and now work for themselves, without having a system that provides them with a stable income. In other words, if this person stops working, then, just like an employee, he will lose his income.

Go to category businessmen we include people who have managed to create a system that can bring them regular income, regardless of their labor costs. It is businessmen who act as employers and, as a rule, the turnover of their business amounts to quite impressive figures if we compare these figures with the income of hired and self-employed workers.

Investors- these are people who receive income from their investments in securities, real estate, business, and so on. The main goal of investors is to obtain the maximum return from their investments, maintaining a balance between risk and return on investment.

Half quadrant

The quadrant is conventionally divided into two halves. On the left side remain hired and self-employed workers, and businessmen and investors move to the left. As you understand, people who belong to the right side of the quadrant are free and financially successful individuals.

It is believed that the more you play Cash Flow, the easier it will be for you to understand exactly how you can achieve financial freedom, become rich, successful and finally move from the left side of the quadrant to the right.

Rules of the game CashFlow

So, in the description of the game, I mentioned two circles that players need to go through in order to win:

• « Rat race»;
• « Fast track».

First round

Now we need to go back to the first circle. According to the rules of the game, our first task is to find a way out of the rat circle. That is, you and I need to gain financial security, generate passive income that will exceed our total costs. To get out of this circle, you need to fulfill the following conditions:

1. Provide yourself with an amount of passive income that will exceed your total monthly expenses. I'll make a little theoretical footnote at this point and say that the income you receive regardless of whether you do any work or not; This is the income that is generated as a result of investment.
2. Pay off all your existing liabilities. That is, get rid of the loans taken out, the mortgage issued - everything that is defined in the map of your profession, which determines your starting position in the game.

It should be noted that exactly the game in a small circle is the most dynamic, because here a huge number of specific character traits of the player are manifested, his strong and weak qualities are highlighted.

Second round

Once the first goal is achieved and you leave the Rat Race circle, the time to implement the second goal: Gaining financial independence so you can realize your lifelong dream. I would like to note that the rules of the game on a large circle are somewhat different from the rules established on a small one. Here you need to either buy the dream or increase your cash flow by $50,000.

I would like to draw your attention to the fact that money is not an end in itself, it is just a means to achieve it. Once you are able to understand exactly what goals you are pursuing and what you want, only then money can help you realize your dream.

If the dream is truly “yours”, then it will become a real source of motivation and inspiration, it will help you not to get lost in the world of big money, and not to miss the most valuable and important thing in life.

Beginning of the game

At the very beginning of the game you will need to deal with the following tasks:

• Choose a dream from the list offered by the game, or come up with your own. This dream needs to be written down and transferred to the dream cage. Every dream has its own price. Some players choose cheaper dreams, others choose more expensive ones.
• Fill in your game balance based on the data in the starting card issued to you. It is very important to transfer the data from the card to the balance sheet.
• Check your balance and the balance of the player sitting to your left.

To play the game, I advise you to stock up on the following tools:

• calculators, pencils, erasers, chips, tablets;
• play money.

Game colors

Now let's look at the color groups on the playing field.

Small and big deals

This is the ability to create assets. Small traces include assets worth up to $5,000, large ones - over $5,000.

Unplanned expenses or the “Let’s Spend” card

It is impossible to refuse them, unlike the situation with transactions. Unplanned expenses in the game include:

• expenses for pleasures;
• mandatory expenses.

Market cards

contain all sorts of events taking place in the market. These include the appearance of buyers who want to purchase the property at your disposal.

Card "Poluchka"

Every time you cross a square Payment check", you will need to contact the presenter and tell him the amount currently stored in the cash flow account. If you suddenly forget to ask the presenter for money, then you lose it. You can receive the payment receipt before the next player rolls the dice.

Charity

both in life and in the game, - completely voluntary event. However, by giving 10% of your income to good causes, you will have the opportunity to double the speed of movement in the small game circle.

Unemployment or bankruptcy

means only one thing - you lost your job, and therefore you need to pay the bank an amount equal to your total expenses. If you do not have that much money on hand, then you will have to sell part of your assets at a price equal to 50% of their real value. In addition, after bankruptcy for two months when crossing the cell " Payment check“You will be able to receive exclusively Passive income, if you have one, of course.

Birth of a child

means that you need to increase the expense item by the amount declared in the column “ Expenses for children" in your starting game map.

Interpretations of "Cash Flow"

And now I propose to get acquainted with the variations of CashFlow:

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Why should you play the CashFlow game?

I am sure that many of you have played the board game Monopoly at least once in your life, and therefore, most likely, are extremely skeptical about the idea of ​​​​learning the basics of finance through a regular business game. That's why I want to consecrate for you 5 reasons, for which you should play Kiyosaki's Cash Flow game.

I offer a kind of agreement - if my arguments do not convince you, then you can safely ignore CashFlow. But if you still find this game interesting, then you promise to immediately buy the game “Cash Flow”. Well, now let's figure out why we need to play CashFlow:

1. Firstly, the possibilities of Robert Kiyosaki's game significantly exceed the possibilities of all other financial games like “Capitalist”, “Millionaire” or the “Monopoly” I mentioned.
2. Secondly, this game helps us make sure that the difference between poor and rich people is solely in the way they think.
3. Thirdly, with the help of CashFlow we can understand how well savvy we are in terms of financial literacy.
4. Cash Flow Changes Thinking, makes you and I more developed and stronger in making financial decisions.
5. Allows you to learn in a playful way to think like an entrepreneur, analyze surrounding factors and predict their impact on certain types of assets.

Completing a Balance Sheet

Since all the gameplay takes place not so much on the playing field, but on your balance sheet, it is important to know all the rules for filling it out.

as follows.

Purchase of shares

So, let's say you bought 600 shares of Apple at a price of $2 per share. This event must be indicated in your balance sheet in the column "Stock".

Sale of shares

If you decide to get rid of securities, then the bank will have to give you an amount equal to the value of your shares at a given time and multiplied by the number of securities you are selling. You carefully remove the sold securities from your balance sheet using a regular office eraser.

Buying a property

For example, you become the owner of a house whose cost is 35,000 dollars V. You paid for it deposit at the rate of $2,000, which means that in the mortgage you need to indicate not 35,000, but only $33,000. The cash flow from owning this property is $220. In chapter " Assets» we will need to indicate the down payment paid for the property ($2,000) and the total cost of the home ($35,000). But the cost of the mortgage will need to be reflected in the section “ Liabilities" In chapter " Income“We write down the amount of passive income and recalculate our Cash Flow.

Property For Sale

If you decide to sell a property, you need to erase the property from your balance sheet and deduct the mortgage amount from the purchase price. After that, you erase the amount of passive income that the building brought you and recalculate the cash flow.

Acquisition and sale of business

Everything happens by analogy with real estate, and therefore I see no point in describing this point again.

Getting a loan

If you need to obtain a bank loan, then in the section “ Liabilities"You indicate the loan amount." In the column " Expenses“You need to enter the amount of interest payments on the loan issued, and then change the total expenses and the amount of cash flow.

Investor circle

Once you leave the Rat Race, you will find yourself on a large gaming circle, or as it is also called, Investor circle. Here you can get to three types of fields:

• business investment;
• dreams;
• surprises.

Your task on the Investor Circle is to buy your dream or earn an amount equal to $50,000. Here, the small circle cards do not affect you in any way. All you have to do is roll 2 dice. If you suddenly forget to immediately withdraw your money, then you can receive it at any time convenient for you, without losing the money you earned, as is the case with the “Rat Race”.

Where can you buy CashFlow?

Residents of large cities can buy CashFlow 101 in almost any large bookstore or specialized board game store. However, I want to warn you right away that for such a purchase you will overpay from 30 to 50% of the cost boards. It is for this reason that I do not see a more reasonable solution than ordering the game on the Internet through a cashback service. Among many dubious stores, I managed to find the online store ozon.ru, where I purchased “Cash Flow” for myself. If you are also thinking about getting this tabletop exercise machine, I advise you to register in the service and then go to the products indicated in the following links:

• « Cash Flow 101 »;
• « Cash flow 202 »;
• Children's rich dad .

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Conclusion

So, at the end of today’s review, I want to once again return to the words of Robert Kiyosaki: “The more and more often you play Cash Flow, the sooner you will become successful and rich.”

Write in the comments under this article your reviews and impressions of the game, share your thoughts on the effectiveness of the game. Well, with this I say goodbye to you. Good luck stopping the “rat race” and realizing your dreams as soon as possible. See you soon!

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