Money Game of Life
A compounding simulator. It grows a one-time windfall and your monthly surplus at your chosen annual return until your target age — and shows the reduction: the future wealth you give up for every dollar you spend instead of invest. Pre-filled with the course's “Jane, fresh out of college” example.
Jane · age 22 — set-up
40 years
One-time money
Monthly money
Monthly expenses
| Line | Lifestyle / month | Habitual / day | Impulse one-time |
|---|---|---|---|
| 1 | |||
| 2 | |||
| 3 |
Habitual costs are entered per day and counted ×30 as a monthly amount.
One-time windfall
$1,000
$9,000
$407,333
-$45,259
Monthly surplus
$1,800
$3,200
$20.2M
-$11.4M
Every dollar spent shows up as a “reduction” — what it would have grown into if invested instead. Small daily habits, compounded over decades, can dwarf a one-time splurge.