1. Start Your Run

Choose a goal and a risk style

Enter what you are saving for, how much you need, your timeline, your salary, your country, and your risk style. The simulator begins at age 22 with starter cash, student debt, and room to grow in the local cost-of-living environment you selected.

2. Play One Year At A Time

Every turn equals one year of life

On each turn, you receive a scenario with two choices. One option may favor debt payoff, another may boost investing through local account types like TFSA, FHSA, RRSP, 401(k), or Roth IRA, along with income or lifestyle. Pick the option you want, then review the advisor lens and projection chart before advancing.

3. Use The Mirror Vs Shadow Chart

See the cost of the road not taken

The solid line shows your chosen path. The dashed line shows the alternative. This helps players understand delayed consequences, compounding, and opportunity cost instead of only watching cash move up or down in the moment.

4. Survive Wildcards

Unexpected events appear every few turns

Wildcards simulate real-life uncertainty: inflation spikes, family emergencies, tax refunds, windfalls, and market swings. Stronger emergency savings and lower debt usually give you better recovery options when chaos hits in a high-cost Canadian economy.

5. Watch Your Dashboard

Track the stats that matter

Net worth is your main score. Cash reserve protects you from shocks. Debt load drags progress. Investments power long-term compounding. The goal tracker shows how close you are to hitting your target while dealing with Canadian living costs.