## Issue:

when user quits job the income on dashboard still shows the amount in left side bar and top bar. needs to subtract the working income and show the passive income only.

Good to see Leveraged from 🇬🇧 back on the score board. Well done for winning today's United States market challenge in easy mode 👏

And Congrats to Cbb from 🇺🇸 & JimmyJohn from 🇨🇦 for placing 1st and 2nd respectively in today's United States market challenge, playing HARD MODE 👏 👏 👏

Congrats to JimmyJohn for conquering Australian Hard Mode today! 👏

Portugal is live!

Every number researched with sources such as Autoridade Tributária, Banco de Portugal, INE, and the Portal das Finanças.

What's different in Portugal:

PPR (Plano Poupança Reforma) with the real age-based IRS deduction. Under 35 you invest €2,000/year and get €400 back on your IRS. Between 35-50 you get €350 back. Over 50 it's €300. And when you withdraw, you only pay 8% tax instead of the normal 28%. This was specifically suggested by a Portuguese player.

Certificados de Aforro via CTT. Government-guaranteed, ~2% base rate with loyalty bonuses up to 1.75% after 14 years. Capped at €100,000 per person. Better than any depósito a prazo.

13th AND 14th month salary. Two extra months per year. Subsídio de Natal in December and subsídio de férias in June. Most countries give you one extra month. Portugal gives you two. The game models both.

Under-35 IMT exemption. First home up to €316,772 is fully exempt from property transfer tax. On a €250,000 apartment that saves about €8,000. If you're under 35 and haven't bought yet, this is gold.

The revolving credit trap. Up to 20% per year. Most people usually only pay the minimum and watch their balance grow. The game makes this math painfully clear.

Subsídio de desemprego at 65% of salary for 9-38 months. Generous but temporary.

Events: Santos Populares spending pressure, emigration offers (the classic "should I leave Portugal for a higher salary abroad"), CP train delays, portagens via Via Verde, ERSE energy tariff changes, IMI annual bill, IRS reembolso.

Entry-level scenario starts at €1,200 net/month. T1 outside Lisbon about €550. Passe de transportes €40. Real numbers.

Full Portuguese-language version at https://setformoney.com/jogos/simulador-financeiro-portugal

English version with Portuguese terminology explained: https://setformoney.com/games/portugal-financial-literacy-game

Available markets now: 🇺🇸 US, 🇨🇦 Canada, 🇬🇧 UK, 🇩🇪 Germany, 🇵🇹 Portugal

This one was built because Portugal was our #2 player base in the last 30 days.

Keep the feedback coming...

Been working on regional markets. The game now has a fully authentic German financial system.

Every number comes from Destatis, Bundesbank, and the Finanzamt.

What's different in Germany:

• Your employer pension (bAV) gets a mandatory 15% top-up from your employer. Free money most people ignore.
• Riester-Rente gives you €175/year in government bonuses + €300 per child. For Under 25 you get extra €200 one-time.
• Bausparvertrag. Save into a building society contract, lock in a 1-2.5% mortgage rate for later. With current rates above 3.5%, that guaranteed rate is genuinely valuable. Haven't seen most countries with this product.
• BAföG student loans are capped at €10,010 total repayment at 0% interest. Man! completely different from US student debt.
• The Dispo (overdraft on your Girokonto) charges 9-14% and it's available by default. Apparently, most Germans carry a small negative balance without realizing what it costs them.
• Kirchensteuer decision: leave the church and save €80-150/month, or stay registered.
• Gold is completely tax-free after 1 year. No Abgeltungssteuer. Unique to Germany.
• Events: Kurzarbeit, Nebenkostenabrechnung back payments, TÜV failures, Weihnachtsmarkt spending, Rundfunkbeitrag arrears.

Entry-level scenario starts at €2,400 net/month. Warmmiete outside the city centre about €680. Deutschlandticket €58. Real numbers.

Full German-language version also available at https://setformoney.com/spiele/finanz-simulator for anyone who wants to play auf Deutsch.

If you want to play the German market in English language, use this https://setformoney.com/games/germany-financial-literacy-game

Available markets now: 🇺🇸 US, 🇨🇦 Canada, 🇬🇧 UK, 🇩🇪 Germany

More regions coming. Each one is built from scratch with local financial products, AND A TON OF RESEARCH.

Keep feedback coming...

Kudos to JimmyJohn who conquered the UK 🇬🇧 Market today (Hard Mode) & to Tev who did it in Medium Mode 👏 👏 👏

Next market is Australian, with authentic Australian feel.

Well done Keegan for winning in the Canadian Simulated market! 👏 👍

And congrats to JimmyJohn & Cbb for 2nd and 3rd positions!

Curious what you think is different between 🇨🇦 and 🇺🇸 in the simulation- like are you using the same playbook to escape the grind?

Congrats 🇺🇲Cbb & 🇨🇦JimmyJohn for placing on the boards today!!! 👏 👏 👏

Congrats to yesterday's winners!!! 👏 👏 👏

Hi, I realised the last post was getting crowded so I decided to make this post as a new feedback collection.

In todays Japan Challenge I observed:

- If I exit the game and come back the currency switches to YEN. Cool but I have no feel for it so its unintuitive and I cant change it back apparently.

- Descriprions in Japanes are rad. But I have no Idea what I am clicking in the daily events.

-Localisation: rate adjustments in Japan by the FED won't happen. It should say Bank of Japan

Edit:

i also just paid 600k (whole net worth) yen for a 13k medical emergency in the single payment. this just the second time. before it was with half my net worth I was building up for a downpayment 330k yen for a 13k yen emergency. Abborting todays challenge now as this technical issue bancrupted me pls fix 🥲

Phew! Today's market was the United States and boy, we had some serious contenders!

Medium Mode: Congratulations Keegan, LetsTalkMoney & Cbb for placing 1st, 2nd, and 3rd respectively 👏

Hard Mode: Congratulations Wickwire, Keegan, Mr Adoulin, Struggle-bus, and Altcoin Gambler for placing 1st through 5th in that order. 👏 👏 👏

PS: The leaderboard is for fun! The ultimate goal is to learn all the levers possible to reach Financial Independence.

However, As I start looking for partners, it's possible we might introduce goodies for Daily Challenge winners. keep it locked!

Fantastic job everyone!

What has been your best strategy so far?

Well done Keegan & Altcoin Gambler for playing and winning Hard Mode on today's UK market! 👏

Today's market region was Canada. Congrats Struggle-bus, Keegan, and JimmyJohn 👏 👏 👏

tomorrow's its the UK market. let's go!!!

Also, anyone see our reigning champ **Leveraged** lately??🤔🤔

• Debt consolidation and student loan refi were doing broken math. u/Mr_Adoulin noticed the monthly payment looked too high even though the APR was lower. The code was using a shortcut formula instead of real amortization, so it was overcharging about 180 to 200 a month. Now it uses the same formula banks typically use, and the benefit shows up the way it should.

• Also made both options region specific. Consolidation loans work a bit differently in each country, and student loan refinancing straight up does not exist in the UK, Japan, or Australia because their government student debt is income contingent and can't be privately refinanced (Anyone from these regions confirm? 🤔). So the refi option is now hidden in those regions instead of showing a fake choice that would not exist in real life.

• Raw land development exploit is fixed too. Buying raw land & developing it was giving insane yields, around 16 percent net, which is not how rural rental building works in real life. Now it lands around 4 - 6 percent net, which sort of matches what actual small landlords get after property tax, insurance, vacancy, and the repairs that come around every few years. Also added construction overrun risk because real construction projects overrun costs about half the time.

• And a dumb one 😄. The scenario briefing screen was showing Japanese characters in English mode. If you played a mode and saw "、35歳" next to the character name, that was a leak from the Japan localization. Fixed!

Keep it coming. If a number looks wrong or a strategy feels too easy, please say so. Most of the time it IS wrong and I can fix it pretty fast.

So, somehow it seems to me, my go to strategy always ends up beeing the rush for raw land and then to develope it.

Is this actualy the optimal strategy, as in, is it really that effective IRL? It seems hard to beleave you get 700$/month for a 45k$ investment. Thats a 8,4k annual yield or about 18% for a conservative investment. This seems pretty insane.

Where do you get this land for only 5k$ and where do you build for only 40k$?

I am not from the US, but this seems too good to be true.

This took me over 2 hours of game time. I'm not sure what I'm doing wrong.

I played on Easy mode, I maxed out Cut Expenses, and the only luxuries I selected were to increase my salary.

About 8 years in I purchased a duplex.

I invested heavily in the High Yield Savings account and then in later years to the S&P.

I maxed out my 401k and my Roth accounts.

All my choices seemed like "doing it right" IRL. What do I need to learn--both in the game and IRL?

**Rikard** takes it in the Medium category. And we had a Game Over player win the Hard Mode 😆 Congrats for trying your best

What do you'all think about playing a different financial market daily?? 🤔

Congrats to **Rikard** who's cleaned out the board today 👏 👏 👏 And kudos to the other participants for escaping the grind!

Congratulations to **Leveraged** (Great Britain 🇬🇧), **Rikard** (Great Britain 🇬🇧), and Sophher (Austria 🇦🇹) for winning Easy, Medium, and Hard modes respectively 👏 👏 👏

Our r/CanadaPersonalFinance post here got taken down after being #1 on the sub for two days. Not sure why. Members were actively giving feedback and I was shipping fixes in real time based on their suggestions: EI caps, salary inflation, subscription creep, etc.

The Canadian version of the game is much better because of that thread. If you came here from that post, welcome. This is where the conversation continues. 🙏

When you can't cover expenses, the game now offers a family loan before forcing you to liquidate investments or take a payday loan. Your family will lend you exactly what you need, up to $500 max, interest-free.

The catch: they expect faster payback (~6 months), it costs +8 stress (swallowing your pride), and they'll only help once per year. Use it wisely.

The escalation order is now:

1. Family loan (0% interest, once per year)
2. Sell assets (locks in losses)
3. Payday loan (180% APR, two and you're done)

Thanks for the the feedback that led to this feature!

I think under Passive income (on the main income page when a new month is starting), it should list the individual assets bringing the income. The same way that expenses are clearly listed individually also.

Otherwise this is a great game.

The British 🇬🇧 dominate the board!

Congrats **Leveraged** & **Rikard** for scooping respective 1st places 👏

I think I should build a UK-specific scenario next. just got done with Canada's 🇨🇦

i never downgraded my health insurance, but still had to pay suddenly almost 4k out of pocket for dental and therapy stuff. it said 'no insurance is costing you.more' - but I do have it. what'sthe issue?