Robert Kiyosaki made a huge impact with is Cash Flow board game and continues to to this day. I have huge respect for him. But I felt Cash Flow, while a great game, starts with the assumption that people are already somewhat knowledgeable, with a foundational understanding of financial concepts and principles.

When I had the inspiration to invent IMPACT, I’d had a decade of experience in sitting down with numerous people in my financial services practice, I met with so many people who did not have that knowledge AT ALL. Many had attempted investing in real estate, or stocks, without knowledge or experience, but excitement, and lost a LOT of money simply because they were missing the foundational knowledge. Imagine trying to drive a car without knowing the difference between the brake and accelerator. And, yet, people do this EVERY DAY with their money. Licensed in the financial industry since January 2004, I’ve continued to see the same things year after year.

In my opinion, Cash Flow starts with the assumption that players have taken driver’s ed, and many haven’t. I wanted to create the game for people to learn, and experience that FIRST. I guess you could say, IMPACT is the game you should play before Cash Flow. 😉

I want people to have a fun, non-stressful way to gain experience and knowledge with money. It doesn’t have to be scary or overwhelming! Game after game, I watch as players start with the idea that they aren’t good with money, or overwhelmed, intimidated, unsure about how to invest, and by the end of playing for the first couple of hours, they discover their skills and confidence around money! The next game play is ALWAYS different for EVERY player.

While IMPACT is an adult game, designed for older teens and up, IMPACT can be played with younger players, with adults playing with them. Much of the “learning” content is geared towards adult topics, kids have a blast with the game part of the game. As long as older players are availble to assist with the calculations and financial choices, kids will enjoy playing. In fact, it can be a great confidence builder for younger players. Ultimately, IMPACT is a strategy game, and can be competitive and FUN. If your kids play Monopoly, they will have fun with IMPACT.

See above.

IMPACT does not have a “finish line,” so players decide how long to play, or when to stop. Remember all the times you played Monopoly and left the board out, with all your play money tucked under the edge of the board, and all of your properties lined up, ready to pick up where you left off the next day, or next time you played? With IMPACT, you can stop whenever, the keep your scoresheet, put away the board and cards, but still pick up where you left off, with your scoresheet. You can play with the same scoresheet you start with for as many games as you choose. 10 game, 15, 20, more? Yes. Watch your money grow as you accumulate various assets, learning new concepts along the way. Yes, you CAN Play Your Way To Wealth with IMPACT!

So much!

Mastery comes from experience, not just knowledge. IMPACT is also designed for the intellectual knowledge of money and financial principles, as well another aspect that greatly affects many people – the beliefs and mindsets around money (some conscious, many are subconscious and unconscious thoughts and beliefs).

The physical board game is for up to 6 players. You can play with only 2 people, but the power of the game is better with 4 – 6 players. See below for the answer to this question when we host virtual online game plays.

Everyone! But really, the players that benefit most are people who want to be better with money, want to learn more, gain some experience without real life loss and risk. It’s for people who want to educate and empower others about money. It’s for those who want to empower themselves, or others, with many skills that are strengthened when playing IMPACT. It’s for those who want to be more financially savvy, confident. It’s for anyone who likes to have fun, connect, and loves board games.

There is no cost to play virtually! This is a great way to learn the game and make new friends. You don’t even need an actual game set, but it does make it more fun.

Yes, a laptop or desktop is perfect. A tablet works just fine too, but a smartphone screen is a bit too small to see all that’s going on in this exciting game.

You register 24 hours in advance of the game time through Zoom to secure your spot in the virtual game.

With virtual playing, we have 90 minutes of playing, preceded by 15 minutes for set up, and 15 minutes for recap at the end, for a total of 2 hours. Many times, players choose to stay on longer to play more, or chat with the group of players.

With the virtual game plays, there is currently a limit of a maximum of 12 players. This allows for the most interaction amongst players and facilitator, for the best player experience.

Yes! There will be virtual game times specifically for game owners to play together. Join in on Zoom, with your game set up to play. You roll your own dice, move your own token, draw your own cards (instead of the Facilitator doing those things for you in the virtual game set up). 

As many times as you want. Every game is different, depending on the other people playing, and the cards that get drawn by a player. Every game will have new experiences and lessons. IMPACT is a perpetual game, designed to be played repeatedly, allowing players to grow their knowledge, their game money, accumulate assets, increase their Financial Wisdom, and “practice” investing without the pain of real-life loss. With IMPACT, you get to Play Your Way To Wealth!

IMPACT was designed to allow players to step away and the other players to continue taking turns. Most (all) games require players to wait to take a turn until a missing player has taken theirs. Since IMPACT doesn’t have a Finish line, and each player is responsible for tracking their number of turns taken (tracked on the score sheet border), and when it’s time to calculate Payday, there’s no need to wait on a missing player to return.

When I had the inspiration to invent IMPACT, I’d had a decade of experience in sitting down with numerous people in my financial services practice, I met with so many people who did not have that knowledge AT ALL. Many had attempted investing in real estate, or stocks, without knowledge or experience, but excitement, and lost a LOT of money simply because they were missing the foundational knowledge. Imagine trying to drive a car without knowing the difference between the brake and accelerator. And, yet, people do this EVERY DAY with their money. Licensed in the financial industry since January 2004, I’ve continued to see the same things year after year.

In my opinion, Cash Flow starts with the assumption that players have taken driver’s ed, and many haven’t. I wanted to create the game for people to learn, and experience that FIRST. I guess you could say, IMPACT is the game you should play before Cash Flow. 😉

I want people to have a fun, non-stressful way to gain experience and knowledge with money. It doesn’t have to be scary or overwhelming! Game after game, I watch as players start with the idea that they aren’t good with money, or overwhelmed, intimidated, unsure about how to invest, and by the end of playing for the first couple of hours, they discover their skills and confidence around money! The next game play is ALWAYS different for EVERY player.

Sure. Of course, that makes it a completely different game experience. It is not recommended. If you want to play with multiple players (more than 6 – the number of game tokens), then you can “stack” players on tokens. Send an email for instructions on how to play with “stacking.” Or purchase more game sets. 😉

All players begin the game with “Starting Funds,” to be distributed between designated accounts on the Score Sheet – FIN account, Reserve Fund account, Debt Balance, and/or Miscellaneous accounts that each player designates/names. Each player decides at the start of the game what to do with the Starting Funds. It is the first financial decision in the game.

You continue playing. If you run out money in real life, what do you do? Many cards award money, so if a player runs out, it doesn’t take them out of the game – like in life. You keep going until something changes.

In the Beginner phase of the game, which typically is many games played, players cannot make joint investments – unless the card specifically states to include other players. The Advanced level of the game does allow for joint investments, as explained in the game’s Instruction Guide.

It is a personal choice for each player.

The first consideration, with many card offerings, is if the player has enough money in their score sheet accounts to be able to make the investment.  Otherwise, a player should consider the risk of some investments, or the net income of others (cash flow – expenses = net income). Most of the time, if the player has available funds, the “good” investment is a player preference.

You can download a pdf to print out as many scoresheets as you need.