Affluentry
—
Period
Jan — Year 1
Net Worth
$0
Cash
$0
Credit
680
Monthly Net
$0
Overview
Actions
Net Worth
Assets
Debts
Real Estate
Advanced
Feed
Learn
Monthly Flow
💼 Salary+$0
🏠 Housing & Living−$0
🎓 Student Debt−$0
Net Monthly$0
Financial Health
Credit Score680
Savings Rate0%
📈
Invest
Taxable brokerage
Available
ℹ
💰
Withdraw
Sell investments
Available
ℹ
💳
Pay Debt
Extra payment
Available
ℹ
💼
Negotiate
Ask for a raise
Available
ℹ
⚡
Side Hustle
Max 2 active
Available
ℹ
🎓
Education
Level up degree
Available
ℹ
🏦
→ Savings
From checking
0.05% APY
ℹ
💵
→ Checking
From savings
Available
ℹ
🏢
Business
Start a business
Available
ℹ
💼
Career
Employed
Active
⚖️
Bankruptcy
Chapter 7 filing
If eligible
ℹ
Income
Base Salary$0
Side Hustles (avg)$0
Rental Income$0
Total Income$0
Expenses
Housing (rent)$0
Food & Living$0
Insurance$0
Student Debt Payment$0
Taxes (est.)$0
Total Expenses$0
Balances
Checking$0
Savings (0.05% APY)$0
Taxable Brokerage$0
Real Estate Equity$0
Net Worth$0
All Assets
Cash & Liquid
Investments
Retirement Accounts
Fixed Income
Real Estate
Total
All Liabilities
Pre-Existing Student Loans
In-Program Student Loans
Mortgages
Summary
🏡
Buy Primary Residence
5 options from starter to luxury. Min 3.5% down. Stops rent — you build equity.
—
Check eligibility
Owned Properties
No properties yet.
Retirement
🏦
401(k)
Pre-tax retirement savings. Tax-deferred growth.
$0 balance
Available
📊
Roth IRA
After-tax contributions. Tax-free growth and withdrawals.
$0 balance
Available
🏦
Traditional IRA
Pre-tax contributions reduce taxable income now. Taxed on withdrawal.
$0 balance
Available
Fixed Income
🔒
Certificate of Deposit
Lock cash for a guaranteed rate. 6–24 month terms.
No active CDs
Available
🏛️
Government Bonds
Steady 4.5% annual yield. Low risk.
$0 invested
Available
Wealth Planning
📜
Living Trust
Protect assets, avoid probate, control distribution.
Estate planning tool
Requires $100k NW
💊
Health Savings Account
Triple tax advantage for medical costs.
$0 balance
Available
My Business
Status
Monthly Flow
Financials
Invest in Your Business
📣
Advertising & Marketing
Run ads, boost social, sponsor events. More visibility = more customers.
$0 spent lifetime
Revenue boost
🔧
Equipment & Technology
Better tools, faster computers, upgraded systems. Reduces overhead long-term.
$0 spent lifetime
Overhead reduction
👥
Hire & Train Staff
Expand capacity, improve service quality. Higher overhead but bigger revenue ceiling.
$0 spent lifetime
Revenue & overhead
🚀
Product Development
New offerings, expanded services, R&D. Accelerates path to stability.
$0 spent lifetime
Stability boost
🏦
Business Cash Reserve
Park cash in the business to cushion bad months and reduce failure risk.
$0 in reserve
Risk reduction
Owner Compensation
💼
W-2 Salary
Put yourself on a fixed monthly salary. Predictable income — business cash pays it first each month.
No salary set — auto draw active
Set salary
💰
Take a Distribution
Pull a one-time lump sum from business cash. Flexible — use when the business has a strong month.
Business cash: $0
Available if cash > $0
Event Log
Your story begins here.
End your first month to see what happens.
Financial Glossary
Every term in the game, explained plainly.
The Basics
Banking & Debt
Investing
Retirement
Real Estate
Advanced Instruments
Taxes
Estate Planning
Home Play Resources Blog About
End Month?
Review what will happen.
Month Complete
↓ scroll for more
Welcome to Affluentry
Your financial life,
turn by turn.
This isn't a stress test — it's a sandbox. Each turn is one month of your life. Make decisions, watch the consequences unfold, and learn how money actually works. There's no way to lose. The goal is to explore: pay off debt, build investments, buy a home, start a side hustle, go back to school. Do what feels right and see where it leads.

Tap "End Month" at the bottom when you're ready to advance time.
The 9 Tabs — What Each One Does
📊
Overview
Your financial snapshot. See your monthly cash flow — salary in, rent and expenses out — and track your credit score and savings rate over time.
⚡
Actions
Everything you can do this month. Invest cash, pay extra on debt, ask for a raise, start a side hustle, or go back to school. Actions take effect when you end the month.
💵
Net Worth
A full income and expense breakdown — every dollar in and out — plus your complete balance sheet. Track net worth growth month over month.
📈
Assets
Everything you own: cash, investments, retirement accounts, bonds, CDs, and real estate. Watch this grow as you build wealth over time.
💳
Debts
Everything you owe: student loans, program loans, and mortgages. Net Worth = Assets minus Debts — so paying these down directly builds wealth.
🏡
Real Estate
Buy a primary residence to stop paying rent and build equity. Once you own a home, you can buy rental properties that generate monthly income.
🏛️
Advanced
Retirement accounts (401k, Roth IRA), CDs, government bonds, HSA, and estate planning. These are the tools that separate casual savers from real wealth builders.
📋
Feed
Your life event log. Every salary payment, side hustle income, random event, and decision shows up here month by month — your financial story in reverse chronological order.
📖
Learn
A plain-English glossary of every financial term in the game — from APY and amortization to capital gains and living trusts. Open it anytime something's unclear.