$10,000
Wallet
1 / 20
credit
At checkout you open a store card to get 10% off a $200 purchase. The card's APR is 29% and you usually carry a balance.
Swipe the card, use the buttons, or press ← / →
How to play
- 1Read the money decision on the card.
- 2Swipe right to stack if it is a good move, left to burn if it is not.
- 3A wrong call costs a life and the same amount it would have paid.
- 4Three right in a row starts paying a multiplier, up to 2x.
- 5Twenty cards, and three lives to spend learning.
How this works
What this is actually testing
Every card is a financial decision somebody genuinely makes. Keep the decision — stack it — or reject it — burn it. Your wallet moves by what that decision would really have cost or earned, and you have three lives.
The skill being tested is not knowing a rule. It is noticing which decisions quietly compound. Most of the cards are not obviously good or bad in the moment; they are the ordinary choices whose consequences only become visible after several years, which is exactly why they are easy to get wrong in real life.
How the wallet moves
Each card carries a real wallet impact. Call it correctly and the amount is added; call it wrongly and the same amount is taken away and a life goes with it. A run of correct calls pays a multiplier, which starts once you have two in a row and rises to a ceiling of 2×, so a sustained run is worth far more than the same number of correct calls scattered through the deck.
Because a wrong call costs the same magnitude it would have paid, the game punishes confident errors at exactly the rate it rewards confident correctness. There is no safe hedge, which is intentional: in the decisions these cards represent, declining to decide is itself a decision.
The explanation is the point
Every card opens its reasoning the moment you decide, before the next one arrives. That ordering matters. An explanation delivered at the end of a round, next to nineteen others, is read by almost nobody; one delivered while you still remember what you were thinking gets read.
The reasoning is written to be checkable rather than authoritative. Where a card depends on a published figure, the figure is cited, and the amounts are set in the currency of your region so the sums mean something to you.
What a wrong answer usually means
The pattern across the deck is that losses hurt more than equivalent gains help, and that fees and interest are consistently underweighted because they arrive in small instalments.
- A percentage charged annually looks trivial and is not, because it applies to a balance that is meant to be growing.
- A choice that is correct for a short horizon is often wrong for a long one, and the card will say which it assumes.
- Doing nothing is scored as a decision, because in the situations described, it is one.
Questions people ask
Is there a right answer to every card?
There is a defensible answer, and the card explains the reasoning behind it along with the assumption it rests on. A few cards describe situations where the better choice depends on circumstances, and in those the explanation says so rather than pretending the matter is settled.
Why do I lose a life as well as the money?
Because without a limit the sensible strategy would be to guess fast on everything and rely on averages. Three lives make each card worth a moment of thought, which is the behaviour the game is trying to practise.
Are the amounts realistic?
They are set in your own currency at amounts that are plausible for that region, rather than converted from dollars. A wallet impact is meant to feel like a decision you could actually face, because a figure that feels foreign is easy to reason about carelessly.
Can I see the cards again afterwards?
Yes. Anything you want to come back to can be saved from the explanation, with a private note of your own, and saved cards gather on one page. Signing in is only needed to keep them beyond the current device.
Method and figures last reviewed . Every worked example here is produced by the same calculation the page runs — enter the same inputs above and the numbers will match.