Let's talk about money 💬
Money is like a teammate you'll have for life — always there, always nudging you to decide something. Take it seriously, look after it, and it'll help you build a genuinely good life.
Right now, and for the rest of your life, you'll keep facing the same kinds of money decisions. Here's the big picture:
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Answer the 5 questions honestly for this scenario. There's no single right answer — the point is noticing why you want it.
Savings snowball
Drag the sliders and watch what your money actually becomes.
Ask a parent: what did their favourite ice cream cost when they were 10? Find something close to it today, price it, and fill in below.
Seed: plant or eat?
For each choice: is the money "planted" (invested to grow) or "eaten" (spent now, gone)? Tap your answer to reveal the 10-year outcome.
A seed grows because it's real and alive. Real investing works the same way.
The longer you can leave money planted, the more risk you can usually afford — there's more time to ride out the dips.
The money cycle
Every time money comes in, it moves through the same 4 stops: receive → save or spend → invest (if saved) → earn (if invested). Play 4 rounds and watch what happens to your wealth depending on what you choose.
Your money cycle checklist
The one habit that makes everything else in Money Lab actually work.
Tap each one as you check it off:
Money grows best when it has a job to do. Pick a goal for each timeframe:
A goal doesn't have to be huge or far away — even "soon" counts. The point is just this: money without a job tends to get spent on nothing in particular. Money with a job gets protected.