It’s all about the MONEY - Digital Edition

It’s All About the MONEY is the big brother of MONEY- the Energy Transition. It is an educational, strategy-based board game made digital, that brings players into the world of finance, focusing on how banks create money, how debt cycles work, and the impacts of speculative investment on assets like real estate. Designed to highlight the mechanisms behind money creation, the game invites 2-5 players, aged 12 and up, to experience firsthand how profit-driven systems operate—and how they might be reshaped. In a few hours of play you can see how our real estate markets are interwoven with our money and economy.

Game Objectives and Real Estate Appreciation

In the game, players compete to accumulate wealth primarily through acquiring properties and bank shares. Properties not only generate income but also appreciate over time, creating potential for significant gains. As real estate values climb, players feel the impact of speculative appreciation, a dynamic that mirrors real-world housing markets where high prices often push homeownership out of reach for many. The game makes it clear: players are rewarded for wealth accumulation and strategic lending, not for enhancing community welfare, underscoring the profit-driven nature of real-world finance.

Money Creation and Destruction Mechanism

A key educational element in It’s All About the MONEY is its focus on money creation through lending, mirroring real-world bank practices. When a player takes out a loan to buy property or shares, the game “creates” money by adding the loan as a debt on one side and as credit (money) on the other, balancing both sides in the bank’s accounts. This fictional “MONEY VOID” is where the credit is generated from “nothing,” reflecting how banks in reality generate money through bookkeeping entries rather than existing deposits.

As in real life, when players repay loans, the debt and the corresponding money are both removed from the system—an act of money destruction. Yet, unlike the principal, the interest remains in circulation, emphasizing that continuous lending is needed to sustain money flow. Throughout the game the money accumulates with the richer players, or is paid off out of existence, eventually leaving the community unable to pay for rent. This highlights the ongoing dependency on debt for the money supply and illustrates that banks only lend when they expect financial profit, regardless of broader social benefits.

Changing the Rules: Policy Cards and Player Influence

A unique aspect of the game is its inclusion of “Policy Cards,” which allow players to change the rules of the economy—introducing policies like “Quantitative Easing” (increasing money in the bank), “Deregulation” (loosening borrowing limits), or “Public Banking” (allowing interest to be paid into the community fund). These cards represent policy changes in the real world that can influence economic priorities. By giving players control over such adjustments, the game highlights how financial systems are not immutable but instead shaped by human decisions. Players experience firsthand that altering the rules could redirect money flows towards projects that benefit society, like affordable housing or green energy, rather than pure profit-driven ventures.

Educational Takeaways

It’s All About the MONEY offers players insight into the mechanisms of money creation and the impact of speculative investment. Through property appreciation and policy manipulation, players see the effects of an amoral, profit-driven system. While they can adjust the game’s economy through policy changes, they must still contend with the competitive forces that encourage wealth accumulation over social investment, providing a thought-provoking exploration of modern finance.

This game reveals the complexity and potential for reform within our economic systems, shedding light on how individual actions, coupled with systemic rules, shape financial outcomes and, ultimately, societal priorities.

More Information

For more information behind the idea of it's all about the Money  and contact to play the physical game you can find it all here on.

https://www.money-thegame.com/