A journey across the money universe3 PHASES · 6 LEVELS · from Survival to Legacy

Everyone starts at START with just a salary. Each level is a wider orbit — the more passive income you build, the further you escape the pull of the paycheck.

“×” means times your total monthly expenses, e.g. expenses ฿20,000 → cash 3× = ฿60,000 · once you reach a level its VP stays, even if you drop later

Health insurance is optional at every level · it reduces the damage from illness cards (the first ฿1,500 at once, then every Payday)

Life Event cards come in 3 decks by phase · the higher you go, the bigger the events

Board & card decks32 spaces · 6 PAYDAYs · 9 card decks in the middle · stock prices above the board

3 opportunity decks + stock marketStart small, then grow bigger

Stock market 📈6 tickers · prices move every time someone passes PAYDAY

Cash, debt and UpskillQuestions new players ask

Time Token · time is an asset24 hours a day = 6 Tokens (1 Token = 4 hours)

3 ways to playwww.moneyverse.in.th

You only see the cards you draw · a card lasts for the turn it was drawn · PAYDAY and the baby space are recorded automatically · every event is logged at the table · 📱 open your sheet on a 2nd device (computer for the table, phone for your sheet) · 📝 private memo at the bottom of your sheet · 🎵 background music that changes with the theme

Start from the real screen · read the Player Board top to bottomThe same way we teach at the table · know these 5 things and you can play

The screen has 2 parts: 🎲 Table (board, dice, decks · everyone sees the same) and the Player Board (your money sheet · tap your name tab) · every turn starts at the table, then check the result on your Player Board

Using the Table & Player BoardThe screen has 2 parts: 🎲 the Table (the board) and the Player Board (each player’s money sheet) · switch with the buttons on screen

Your turn, step by step

1. Tap the 🎲 Table tabWait for the yellow frame on your name: “(your name)’s turn”
2. Press 🎲 RollA full-width button · your pawn moves · passing PAYDAY pays you automatically (coin sound)
3. Open the card for your squareASSET / MARKET: tap 1 glowing deck · LIFE EVENT / UNEXPECTED must be opened · landing on or passing PAYDAY lets you open a SIDE HUSTLE
4. Decide on the face-up cardOpportunity → Buy · Pass · 🔨 Offer it · Event → “Accept the result” then pay/receive in the Cash Ledger · Side hustle → “Take this side hustle” (saved for you)
5. Check “What you can do this turn”A list of what is still open · tap to go there · ❗ = required before the turn ends
6. Trade stocks (if allowed)The stock market on the Player Board opens on turns you land on ASSET / MARKET or pass PAYDAY
7. Press “End turn → pass”On the table or in the yellow box at the bottom right of the Player Board · the game asks first if something is left

1 · The TableEveryone sees the same table · you can only press buttons on your turn

The table screenEveryone sees the same table · buttons work on your turn only

1. 1
   Tabs🎲 Table · everyone’s name (tap to view a sheet) · level badge L1–L6 · yellow frame = whose turn
2. 2
   Stock tickerLatest prices of 6 stocks · % vs the previous price · “Trade stocks →” opens the market on your sheet
3. 3
   BoardOuter squares = the track · decks in the middle: small/medium/large opportunities · MARKET · UNEXPECTED · SIDE HUSTLE · LIFE EVENT 3 phases
4. 4
   Glowing decksThe decks you may open this turn — tap the deck or the button on the right
5. 5
   Action buttons🎲 Roll (full width) → draw → buttons share the row equally, e.g. Buy · Pass · Offer · “📋 Back to your MONEYVERSE” · “End turn”
6. 6
   SIDE HUSTLE boxShows when you land on or pass PAYDAY · the card stays face up on the table → “Take this side hustle (No. X/5)” · no free Token? quit an old one first

The flipped cardYou only see the cards you draw

1. 7
   CardPrice · down payment · debt · monthly cash flow (with Upskill you may redraw an opportunity once per turn)
2. 8
   ButtonsOpportunity: Buy · Pass · 🔨 Offer it · Event: Accept the result · Side hustle: Take it
3. 9
   One card, one turnPass and end your turn, and the card is gone — it does not wait for your next turn

Table logEvery event in order

1. 10
   LogWho rolled what, which square, PAYDAY amounts, buys/auctions/card results and turn time (⏳) — scroll back anytime

2 · Player Board (your sheet)Your name tab · all numbers are calculated for you

Top summaryThe big picture at a glance

1. 11
   Cash-flow diagramSalary + side hustles + assets → expenses and the cash flow left · the corner shows total income, total expenses and cash in hand
2. 12
   Key numbersBalance sheet (assets − debts = net worth) · monthly cash flow · cash and how many months it lasts
3. 13
   Automatic PAYDAYPassing PAYDAY adds the money for you (the paper-board ledger has a button)

Level · goal · time · VPKnow what to do next to level up

1. 14
   6 Time TokensSleep 2 · day job 2 · 1 per side hustle · the rest is free
2. 15
   Financial Level L1–L63 phases · checked for you · level cards with ✓ for each condition you meet
3. 16
   Next goalConditions with ✓ · shortcuts such as “Pay off all consumer debt” · can be folded
4. 17
   VP scoreLEVEL + WEALTH + IMPACT (⏳ taken off at the end)

Income statementPer Payday

1. 18
   Income / expensesSalary · side hustles · asset income · tax, payments, debt, living costs, children (per child from your career card), insurance
2. 19
   Career & side hustles“Quit the day job” sits on the career line (from L3) · each side hustle shows its number #X · “Quit” gives the Token back · a new one starts paying next Payday

Balance sheet · stocks · debtsThe part you use most

1. 20
   Buy assetsThe card you drew shows here · 3 equal buttons: 🏠 Buy · ✕ Pass · 🔨 Offer it · the form is filled from the card
2. 21
   Stock marketOne table: price ▲▼% and its low–high · what you hold (units, cost, paid, value now, profit/loss) · trade in the same row · 🟢 cheap 🔴 expensive
3. 22
   Debts & loansPaid every Payday · “Pay” part or all of a debt · the loan button shows “you can still borrow ฿…” (12%/yr, 10% per Payday)

Cash Ledger & moreBottom of the sheet

1. 23
   Event cardsLife Event / Unexpected cards you drew — the right amount is worked out (insurance/Upskill) → a yellow “💸 Pay / 💰 Receive” button on the right · the turn can’t end before that · sell or borrow first if needed
2. 24
   Total cashCash and savings are one pot · in rooms and on one screen numbers can’t be edited by hand
3. 25
   Health insuranceOptional · the first ฿1,500 is paid at once, then every Payday · softens illness cards
4. 26
   UpskillPay ฿10,000 once · redraw an opportunity once per turn · side hustles +10% · unlocks way-outs on cards
5. 27
   LedgerEvery PAYDAY and every payment · numbers can’t be edited · wrong entry? “Undo” the latest line and everything goes back (the Admin does it in rooms)
6. 28
   Private memoYour notes, stored on this device only — no one else sees them

Shortcut bar & “Your turn” boxPinned to the bottom

1. 29
   Shortcut barSummary · Level · Buy assets · Loans · In/Out · Cash — tap to jump straight there
2. 30
   Yellow “Your turn” boxShows on your turn · time, cash, cash flow · “What you can do this turn” · “Back to the table” and “End turn”

While waiting for others

1. 🔨 AuctionA player tapped “Offer it”? Everyone may bid for 60 s (starts at 10% of the down payment); the highest bid wins and pays the opener, then goes to the buy form
2. 👑 AdminThe first one in the room · chooses on joining to play too or only run the game · sees every sheet like the players · taps “🔧 Adjust” to fix something, then saves
3. ⏱ Turn timerA yellow frame shows whose turn it is · a beep every 2 minutes · each full 2 minutes = ⏳ 1 (−2 VP)
4. MARKET cardsSome affect everyone — the table tells you
5. View friends’ sheetsTap a name in the tabs (view only)
6. 📱 Second deviceOpen your own sheet on your phone, the table on a computer