Language
rich-sim
How to play
Two tracks: first play rich in the simulation and see the real cost of holding wealth; then use your own income to work out the sufficiency line, the gap and the years. Ordered as a new-player path — every number is arithmetic on your inputs; the multiples and parameters are teaching illustrations, not investment advice.
Step 1 · Play rich (simulation)
Pick an identity card and try these — feel the cost and risk of “owning”:
- Identity cardNew-money worker or old-money heir: two starting books that set the scale of your yearly bill.
- Asset panoramaHouses, equity, collections and the yacht on one screen, next to the total annual holding cost.
- Cost ledgerEvery holding cost expanded item by item, amounts sourced, nothing invented.
- Bill dayYearly bill vs cashflow, burden rate in green/yellow/red: past 100% the cashflow breaks.
- Life fast-forwardFast-forward 10/20/30 years on the current books to see the surplus or deficit — pure arithmetic, no prediction.
- Black swanWhat a year with halved income does: the burden rate is recalculated and negative cashflow forces asset sales at 75%.
- Privilege price listAirport VIP, private hospital access and other sourced, private-story perks; obligations and lost privacy are the unpriced costs.
- Add leverageBorrow 2× cashflow at a 5% illustrative rate and watch the burden rate; past the breaking multiple the interest eats the cashflow.
- Acquisition talksA fully-leveraged buyout at 6× revenue; see the new bill and the negotiation floor (2.44×) before cashflow breaks.
- Random eventsLawsuit, market crisis, family split — three event cards showing “what if”; parameters are teaching illustrations.
- Exchange-rate time machinePick a historical date and see what the same money was worth then, today, and the ±Z% swing — education only, not FX advice.
- Simulated shoppingAdd or remove items from the pool; costs enter the bill live and the burden rate recalculates instantly.
- FavoritesBrowse without buying: favoriting changes no bill behavior at all.
- Annual bill donutThe cart’s yearly bill bucketed by category (baseline/assets/experiences/consumables) to see where the money goes.
- Investment lineWeight five asset classes, fill in your own annual return assumptions, and Monte-Carlo resample 1/5/10-year paths.
Step 2 · Measure yourself (real-world math)
Carry the simulated bills over to your real income and expense, then do your own math:
- One-click goalCarry the simulated bills into the real-world math — the one-way bridge between the two tracks.
- Math designerEnter your own income, expenses, debt and savings; the designer computes your sufficiency line.
- Assumption listReturns, withdrawal rate and more are all your own inputs, editable and resettable; every number is sourced.
- Comparison converterThe rich bill vs your bill, with the principal-scope expansion: how long the same goal takes for you.
- Wealth reportReachable / unreachable / no-net-savings as first-class states, with the gap and years, assumptions and disclaimer attached.
- Scenario playSame data, toggles and magnitudes freely adjusted, side by side across different assumptions.
Step 3 · Keep the ledger alive
Come back next day, save scenarios, and gather willingness-to-pay readings so the math becomes a habit:
- Revisit comparisonCome back next day and the report flags that you have seen how your numbers changed.
- Plan managementSave, load and delete multiple scenarios on this device; sign in to sync to the cloud (fully usable signed-out).
- Willingness-to-pay probeTwo non-charging options on the report page that only collect “would you pay” readings before any payment work begins.
System layer · available anytime
Two site-wide switches that never touch your assumptions:
- Language switchChinese / English with one tap, site-wide.
- Currency switchSix currencies at live rates — changes the display unit only, never your assumptions.