MONITICS

The Game of Money. Choices. Consequences.

A strategy board game that mirrors real financial decisions.

How you play reveals how you think about money.

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Rules of the game

About the Game

Monitics is a strategy board game about money, life decisions, and consequences. Players move across the board, earn money by trading, invest in assets, manage risks, and face unexpected events and circumstances. Every choice they make affects their outcomes. Every luck comes with a responsibility.

Money

Earn, invest, and manage your finances strategically

Decisions

Every choice creates a new path forward

Risk

Balance opportunity against potential loss

Consequences

Face the results of your financial choices

What the Game Teaches

Skills that translate from the board to real life

Financial Discipline

Learn to manage resources with intention and purpose

Risk Management

Understand when to take risks and when to protect

Long-term Thinking

See beyond immediate gains to future outcomes

Liquidity vs Ownership

Balance access to cash with building assets

Business Behavior

Experience real investment and business dynamics

Habits Shape Outcomes

Discover how patterns determine your destiny

How you play Monitics reflects how you think about money.

How It Works

Simple rules, deep strategy

Roll & Move

Roll the dice and move across the board

Make Decisions

Make up to two decisions per turn (buy, sell, save, borrow)

Face Events

Land on events that test your choices

Build & Manage

Build assets, manage cash, and avoid financial traps

Win Smart

Win by making smarter decisions over time

Why MONITICS is Different

Events & Mechanics

The 4 forces that shape Monitics game

Circumstances

Life and market situations that test preparedness and judgment. These events reflect real-world unpredictability.

Crash

A market collapse that forces asset liquidation at distress value. Preparation and liquidity are your only defense.

Tax

Players may pay tax voluntarily or face penalties when caught. Honesty has its costs, but so does evasion.

Bills

Regular living expenses paid upfront. These represent the unavoidable costs of existence.

Game Rules

Everything you need to start playing

Money, Capital & Payments

Each player begins with a set amount of cash. This is your foundation — use it wisely. Running out of cash limits your options significantly.

Each player begins with a set amount of cash. This is your foundation — use it wisely. Running out of cash limits your options significantly.

Each player begins with a set amount of cash. This is your foundation — use it wisely. Running out of cash limits your options significantly.

Each player begins with a set amount of cash. This is your foundation — use it wisely. Running out of cash limits your options significantly.

See All The Game Rules Here

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Rules PDF

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FAQ

Questions Players ask

MONITICS works best with 2 players.

You must take 2 actions per turn.
Actions include buying, selling, saving, taking your savings, borrowing, or repaying loans.

No.
An asset cannot be sold on the same turn it is bought.

Assets can only be sold on your turn, unless a card or event forces a distress sale.

If you cannot pay:

  • You must sell an asset at distress value

  • Or use savings, insurance, or negotiate with another player
    If you still cannot pay, you lose the game.

A Distress Sale means selling an asset at its distress value, which is lower than normal market value. Yes.
During a distress sale, another player may buy the asset at an agreed price.

A Market Crash forces all assets to be liquidated at distress value.
Savings are not affected.
Insurance may protect one insured asset only.

Insurance protects one asset of choice against liquidation, crash or problem. The player would lose insurance to protect one asset in trouble time.

Insurance does not protect:

  • Cash

  • Savings

  • Taxes

  • Bills

  • Percentage cash losses

  • You may pay $25 voluntarily to get the Tax Card

  • If caught by the Taxman, you pay $50

  • Once you have the Tax Card, you are tax exempt for the rest of the game

  • If you cannot pay immediately, the amount becomes a liability with a $10 penalty at game end

Options give flexibility, such as:

  • Replaying your turn

Use the Payment Rounding Rule:

  • Amounts ending in $1–$5 → pay $5 example: $54, $52 or $51 = $55 cash

  • Amounts ending in $6–$9 → pay $10 example: $56, $57 or $58 = $60 cash

Always round up.

The game ends when a player reaches the final box.
Other players may take their final two turns, then net worth is calculated by subtracting liabilities from assets in order to have a networth.

Players who earn $1000 or more are considered extremely successful.