Cashflow 101 Board Game teaches financial education board game made by Robert Kiyosaki. To those of you who are unfamiliar with who Robert Kiyosaki is, he is the author of the best-selling book: Rich Dad, Poor Dad. The objective of Cashflow 101 is to get out of the rat race and into the fast track to achieve your dream, that is, to achieve financial freedom.

Visit the Rich Dad store to see customer reviews of Cashflow 101 E-game or get info on the real cashflow board game.

In the game, you’ll be required to fill in your financial statements (balance sheet and income statement) with the right items, so as to get you familiar with balancing your cashflow accounts and differentiating assets from liabilities. It may be a bit tedious especially when time is limited and everybody acts fast, a deal may come up when you are still writing your assets down in your balance sheet. However, it provides a great learning experience because you do your own calculations and fill in your cashflow statement with a good ol’ pencil.

Before the game starts, you will be given a profession card: you can be a lawyer, k-12 teacher, etc. Each profession has different salary, expenses and debts when you start the game, giving different playing experiences. A lawyer has a higher salary, but more expensive education loans to pay off, more expensive car and house loans, etc.

The Rat Race
At the rat race, there will be these squares:

When a player lands on this square, the player will be given a choice of “Big Deal” and “Small Deal”. The small deals are less than $5,000 – Certificate of Deposits, stocks, small residential houses, etc. The big deals exceeds $5000 and includes deals for apartments, plexes, businesses, etc.

When a player steps on or crosses this square, the player will receive a pay check.

The player will have to pay an amount equal to the total expenses and lose 3 turns.

Your monthly expenses will increase because you have to feed your new baby. Baby expenses depends on which profession you have.

These are mostly one-off expenses which are small unnecessary or luxury items we buy (watches, fancy dinner) to big items which requires loans like boats.

In this square, you’ll know that a buyer is looking for
properties or business. You get to sell your property or business if it matches
the card.

In the rat race, you can only roll one dice. Unless you donate 10% of your income to charity, you get to roll up to two dices

Once your passive income exceeds your expenses, then you shall proceed to the fast track. Although this sounds very easy when I first started, I lost about 4 times before I was able to finally reach the fast track.

The Fast Track

Your income in fast track is nothing like the income you get in the rat race, your income will be in hundred thousands. I find the fast track too… well, too easy. You’ll never need a loan in the fast track. Except for losing all the cash and unable to purchase anything, it doesn’t really matter at all because you’ll eventually get back your monthly income. The deals in the fast track are, of course, higher in price. You’ll be buying franchises, IPOs, etc, etc. So, most of the time we skip the fast track and remain in the rat race even though we qualify for the fast track. The reason being is that we learn a lot more when we play the rat race than the fast track.


After playing this game several times, you’ll know the lowest prices of the deals and the highest price you can get. The stocks are very predictable when you become a pro at playing the game. Everyone just borrows money when they can buy the stocks at the lowest price and sell all of them when they see the highest price. The great thing is that when you own the board game, you can change the rules to increase the difficulty level. For e.g. you can change the stock deal applicable to the person who picked the card.

Overall Conclusion
So did Cashflow 101 teach me a lesson in financial education? It sure did! I didn’t mind taking out a loan to finance my real estate as long as it gave positive cashflow. I grunge when I step on the “downsize” square, NOT because I have to pay an amount equal to my expenses, but because I won’t have the chance to step on any “opportunity”; squares to increase my passive income for 3 whole rounds! After playing the game a few times, I wasn’t worried about the amount of money I have and I easily build my passive income through good debt.

Be Sociable, Share!