Wealth simulation · F5 minimal

Family-business heir

Old money · low-key and inheritance-focused, defensively positioned; socializing and philanthropy are work, not showing off.

A fictional character, not any real person; the asset mix is illustrative, not real holdings.

Start here: look at the assets and the yearly bill first, then try adding one item to the cart and watch the burden rate change.

How to play →

Asset mix

What it costs to hold for a year

A price tag is one-off. These bills arrive every year.

Single-family estate (property tax + upkeep) Housing
$120,000 Source
Owned condo (mortgage, fees, utilities) Housing
$27,000 Source
Elite boarding / international school + private tutors Family & children
$100,000 Source
Family private health cover (partner + children) Insurance & medical
$10,000 Source
Fine dining, business banquets, private chef Food & daily life
$30,000 Source
Large buffer (household staff, driver, collections, security) Discretionary buffer
$120,000 Source
Total (per year)
$407,000

This is a static display of the annual holding cost: figures come from a catalog calibrated to public sources (the extreme wealth tiers are published industry estimates). They are not any real person’s holdings, and they are neither investment advice nor a real quote. The asset mix is illustrative and enters no calculation.

Bill day

In-game timeline: a scenario opens with this year’s bills, one flip per year. Try adding a superyacht to it → Add the yacht

Burden rate = yearly bill ÷ cashflow; past 100% the cashflow breaks (red).

Affordable · burden rate 5%

At least 40% of cashflow survives the holding costs.

Annual holding cost $407,000 ÷ disposable cashflow $1,683,000 (= after-tax income $8,000,000 − last year’s $407,000, illustrative)

Fill in 4 numbers and these bills become "how many months of my salary".Enter them →

Life in fast-forward: 30 years on these numbers

Income and annual cost stay at current levels, year after year. Cumulative surplus below. Pure arithmetic: no income changes, no inflation, no taxes - and no promises about the future.

Black swan: the year income halves

Assume income halves one year (crisis, lawsuit, settlement - we do not predict which). Everything else stays put, and the burden rate is recomputed instantly:

Burden rate jumps from 5% to 11%

The price of privilege

Being treated specially by the world has a price tag too. A private scene, not social display; amounts come from sourced catalog items:

The hidden costs: a calendar full of obligations and no privacy - no price tag, but billed every year.

The operator channel: leverage / an acquisition

The fun of decision-making is control; the cost is cashflow. The multiples and the rate below are teaching illustrations, not any institution’s real terms - and not advice:

Add leverage

Borrow $15,186,000 (= disposable cashflow × 2) at $759,300 a year (5%, illustrative) - your next yearly bill becomes $1,166,300 with a burden rate of 15%.

The breaking point: past 18.93× leverage, interest eats the cashflow.

Acquisition talks

The target earns $8,000,000 a year (illustrative, per the card) and is valued at $48,000,000 (× 6). A fully-leveraged buyout costs $2,400,000 in annual interest - the new bill is $2,807,000, burden rate 37%.

The negotiation floor: below 17.96× revenue the deal stops eating your cashflow.

Arithmetic teaching about simulated decisions: the multiples and rate are illustrative assumptions; this is not investment, lending or M&A advice.

The story channel: three random-event cards

A life is not all smooth sailing. What happens if these events land? The parameters are teaching illustrations, not predictions:

The exchange-rate time machine

Pick a historical date:

For cross-currency assets, the exchange rate quietly rewrites their value every year. Pick a historical date and see what the same money was worth then and today:

Historical rates come from Frankfurter (ECB reference rates) and are for education only - not exchange-rate advice.
← Back to the start: do the math on your own life