Ionut Borota


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Our world is in a changing at at accelerated level and the economy does the same. In the past it was easy for people to buy a house and support a family from just from the salary of a regular 8 hour job. In our days it is considerably more difficult for people to accomplish such goals without basic financial education. The purpose of this activity is to measure the level of understanding the economical therms, the risks and potential rewards that come from active investments.


Encouraging participants to pay more attention to their personal finances.




    Step 1. Creating the set

    Mark 10 parallel lines 50-100 cm apart. The length of the line is determined by the number of participants, giving them enough space to move freely.

    Place 5 balls  at random between rows 3 and 7.

    Step 2. Line-up the participants side by side in front of the first line.

    Step 3. Rules

    • The moderator will make several statements, if the participant agrees with the statement they will take either a step forward or a step backward; if the participant doesn't agree with the statement they will stay put.
    • One of the participants taking a step forward will share
    • There are 5 balls spread at random on the course. Participants CAN pick up a ball if they reach the row where the ball is located. Participants can pick up only one ball during the game. Once the ball is picked up the players can decide if they want to use that ball or if they want to gift it to another player.
    • Picking up a ball gives you the option of either answering a question in order to move one more step forward or allows you throw the dice for a chance of going 2 steps forward.
    • After each statement, participants who took a step forward/back will start a discussion with the participants that remain on the spot about that topic.
    • In order to have meaningful results participants are asked to be honest when deciding to take a step either forward of backwards.

    Step 4 Game-play - Move forward/backwards if...

    Take a step forward if you agree with the following statement:

    • You track your finances.
    • You would like to make/have a savings account.
    • Doing proper research to find the smallest prices for items when shopping online.
    • You would like to invest into your retirement.
    • Crypto market presents a high risk factor.
    • You know exactly how much money you spend.
    • Bigger rewards are usually associated with a higher risk factor.
    • You attended a training, seminar or online course on the topic of financial education.
    • Money sometime loses its purchasing power (You can buy less with the same amount of money compared to e few months ago)
    • You would like to have insurance for everything you own.

    Take a step backwards if you agree with the following statement:

    • Having an emergency fund is not important.
    • You consider yourself as an impulsive shopper.
    • You have to be 40+ year old before thinking of a retirement plan.
    • You are too young to think about finance.
    • Financial planning is not important.

    Ball questions *

    Q1. You invest $1000. The yearly investment interest rate is 4%. The rate of inflation that year is also 4%. Do you make money on that investment?

    A1. Yes. $1000 + $1000 x 4% = $1000 + $40 = $1040

    Q2. You invest $1000. The yearly investment interest rate is 4%. The rate of inflation that year is also 4%. Can you buy more or less things with the money you make?

    A2. Less. You calculate by subtracting the inflation percentage out of the total money made (initial investment + interest).

    Interest: $1000 + $1000 x 4% = $1000 + $40 = $1040

    Purchase power after inflation: $1040 - $1040 x 4% = $1040 - $41.60 = $998.40

    $998.40 < $1000

    Even if you make more money because of the interest, due to the rate of inflation you can actually buy less with it.

    Q3. What is compound interest?

    A3. Compound interest (or compounding interest) is the interest on a loan or deposit calculated based on both the initial principal and the accumulated interest from previous periods.


    Qn. What is the inflation?

    An. Inflation is the rate of increase in prices over a given period of time. Inflation is typically a broad measure, such as the overall increase in prices or the increase in the cost of living in a country.


    *Questions must be adapted to fit the participants age group and background.


    • 11 and 12 = 2 steps forward
    • 9 and 10 = 1 step forward
    • 5,6,7 and 8 = stay put
    • 3 and 4 = take 1 step back
    • 1 and 2 = take 2 steps back

    By integrating an element of gambling, game creators add mechanisms that provide randomness to the game . Gambling is defined as risking money or something of value on the outcome of an event involving an element of chance when the probability of winning is less than certain.


    !!! You can use different debriefing paths in order to underline the learning objectives.

    For example:

    • How did you feel during the the activity?
    • What would you change in your practices regarding finance and why?
    • Who took the leadership?
    • Were you surprised by the difference between players? Why?
    • How did you chose when to take a step or to stay?
    • How did you feel when others were moving and you were not?
    • Did you learn anything about the way you should approach personal finance? If yes, what did you learn?


    Tool useful at the beginning of activities, training or workshops on the topic of finance designed for youth.

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