Mobile Game Instructions

 

Credit Score

 

  • When a player starts the game, he or she must use a “Random number generator” via a short Mini-Game that will randomly pick the player’s credit score.

Credit Chart

  • If a player owes a debt and does not make a payment on their turn, their credit score will go down -20 points each time.

  • Every time a player uses their Credit Card, their Credit Score will go up +5 points.

  • Every time a player pays out their ENTIRE Credit Debt Balance, their Credit Score will go up +5 points.

Making Purchases

  • A player will have two payment options to make purchases in the game:

    1. CASH: A player may make purchases using the cash in their Bank Account. 

    2. CREDIT CARD: A player can make purchases using their credit card. Each purchase can be an unlimited amount. If a player can no longer use their credit card and does not have enough money in their bank account to pay off an expense - The player will then have the option to take out a bank loan. (See Bank Loan Section)

      • ​Credit Cards are NOT allowed to make purchases for 401K/IRA, STOCK, or Bank Loans.

      • If a player can no longer use their credit card, has taken out one bank loan and can’t pay it back, and does not have enough money in their bank account to pay off an expense - The player LOSES the game.

 

Credit Card Use & Debt

  • When a player makes purchases in the game with their “Credit Card”, each purchase will be added to their debt under “Credit Card Debt.” The RED debt icon will blink and sound x3 horns to alert a player when there is a debt that needs to be paid.

  • The debt may ONLY be paid off with cash available in the player’s “Bank Account.”

  • At the start of every turn, the player will have 2 options.

    • Roll The Die: If a player decides to roll the die and not pay off their debt, their credit score will drop 20 points and an interest penalty will be added to their debt. This penalty will be based on their credit score. (See Credit Chart)

    • Pay Off Debt: If a player decides to pay off their debt before rolling the die, that player will be presented with 2 options.

      1. ​Pay 20% of their “Credit Card Debt”, along with the accumulated interest. The additional interest will be calculated based on the Getting Grown Credit Chart. (See Credit Chart for further details)​

      2. Pay off their ENTIRE Credit Debt Balance. When this happens, the player will:

        • ​Be allowed to make 3 additional credit card purchases before having to pay off ALL of their credit card debt.

        • Receive an additional 5 points to their Credit Score.

Bankruptcy

  • When a player lands on bankruptcy, he or she must forfeit half of their money. ALL of the player’s credit debt will be erased; However, their credit score will drop by 100 points.

  • There is no limit to the number of times a player can land on Bankruptcy. However, if a player lands on a bankruptcy space a second time, due to “Go back 1 space”, he or she does NOT have to pay that bankruptcy (space) again.

  • If a player is presented with an “Attorney Card” from the pull card deck, it can be used to avoid legal or bankruptcy spots. A player can only buy one Attorney card at a time

Bank Loan

  • If a player can no longer use their credit card and does NOT have enough money in their bank account to pay off an expense - The player will then have the option to take out a bank loan. This option can only be used twice and will be in the amount of the player’s paycheck/contract payment. The Bank Loan Amount will be deposited into the player’s bank account.

  • Each time a player has to take out a bank loan, their credit score will drop by 30 points.

  • After the player’s credit score has dropped, the loan interest rate will be determined by their credit score. (See charts in the Credit Score and Credit Debt sections)

  • A player may pay back any amount of the loan at the start of each turn. There is no minimum installment amount required.

  • Each turn the player does not make a payment on the loan, they will receive the loan interest rate penalty.

  • A player may only pay back a Bank Loan with cash from their bank account. Paying back with a Credit Card is not allowed. 

  • A player cannot take out the second Bank Loan until the first Bank Loan is paid out in full. 

  • If a player can no longer use their credit card, has used both of their allowed Bank Loans, and does not have enough money in their bank account to pay off an expense - The player LOSES the game.

  • If a player can no longer use their credit card, has taken out one bank loan and can’t pay it back, and does not have enough money in their bank account to pay off an expense - The player LOSES the game.

Go Back 1 Space

  • If a player has “just paid rent and utilities”, then rolls a “Go Back 1 Space”, landing on the “SAME” pay rent or utilities space, they do NOT pay a second time.

  • If a player has just earned a PayCheck or Collected Earnings from Business / Contract Payment], then rolls a “Go Back 1 Space”, they do NOT receive a second payment. 

  • College Path: If a player has “just paid tuition/room & board” or “Buy Meal Plan”, then rolls a “Go Back 1 Space”, they do NOT pay a second time.

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GAME PATHS

Athlete & Entrepreneur:

  • Entrepreneurs and Athletes will start the game with 1 Million Dollars. 

Appendix: A   “Athlete & Entrepreneur Salary Category Specifics”

  • Investments Rules:

    • ​Entrepreneurs & Athletes can ONLY invest in Stock.

      • ​Stocks can be located under the “Investments” icon and are opportunities for players to “Earn” or “Lose” money throughout the game.

    • If a player forfeits their investment opportunity, they will have to wait until another Stock opportunity presents itself.

    • A player has the option to invest a “Portion” or “ALL” of their money into Stock. A short mini-game will be presented to determine gains or losses.

    • Also, A player has the option to “Take Out” “ALL” or a “PORTION” of their Stock at the start of each turn. Keep in Mind: Each time money is withdrawn, the player will endure a 5% Brokers fee.

      • ​Ex. A player invests $3,000 into STOCK, then later decides to withdraw it. A 5% penalty is charged; in this case- $150. Therefore, the player will only receive $2,850.

Employee:

  • ALL Players on the Employee career path will start the game with their Salary Category randomly generated, giving them 1 of 3 options:

    1. High Paying Salary: Start game with $15,000

    2. Middle Paying Salary: Start game with $12,000

    3. Low Paying Salary: Start game with $9,000

  • ​A player may only choose the College Degree path upon graduating college and receiving a college degree badge.

Appendix: B   “Employee Salary Category Specifics”

 

  • Investments Rules:

    • ​“Employee Paths” receive mandatory path-specific paychecks throughout the game and are given the opportunity to invest in Stocks and 401K/IRA- located under the “Investments Window”.

    • If a player forfeits their investment opportunity, they will have to wait until another investment opportunity presents itself.

    • A player has the option to invest a “Portion” or “ALL” of their money. A short mini-game will be presented to determine gains or losses.

    • 4o1K/IRA Specific: A player has the option to “Take Out” ALL or a “PORTION” of their 401K/IRA at the start of each turn. Keep in Mind: Each time money is withdrawn, the player will endure a 20% penalty fee.

      • ​Ex. A player has invested $3,000 into 401K/IRA and later decides to withdraw it. A 20% penalty is charged; in this case- $600. Therefore, the player will only receive $2,400.

    • Stock Specific: A player has the option to “Take Out” “ALL” or a “PORTION” of their stocks at the start of each turn. Keep in Mind: Each time money is withdrawn, the player will endure a 5% Brokers fee.

      • ​Ex. A player invests $3,000 into STOCK, then later decides to withdraw it. A 5% penalty is charged; in this case- $150. Therefore, the player will only receive $2,850.

College:

  • College Students start each game with a $5,000 student loan. All money earned on the College Path will be transferred over to the new career path, and become available in the player’s bank account.

  • Student Loans:

    • If a player does not have enough money in their Bank Account to pay “ TUITION & ROOM/BOARD”, they will automatically be given a $5,000 student loan that will be deposited into their bank account and counted as debt.

    • There is no limit to how many times a player on the college path can receive a student loan.

    • Each Student Loan will incur a 10% interest fee.

      • ​Ex: Jim doesn’t have enough money in his bank account to pay his tuition. He will automatically receive a $5,000 student loan that will be deposited into his bank account so his tuition can be paid. Jim will now have a student loan debt of $5,000, PLUS a 10% interest fee. Therefore, Jim’s student loan debt will be $5,500.

    • All college debt incurred will transfer over to the new career path, and will become visible under the debt window.

    • If a college student can no longer use their credit card and does not have enough money in their bank account to pay off an expense - The player LOSES the game.

  • ​Paying Back Student Loans:

    • A player CANNOT pay back student loans until they leave or complete college and begin their new career path. 

    • Post-college, players will have the option to pay on “Some” or “All” of their student loan debt. Each turn the player does not make a payment on their student loan, the loan amount will increase an additional 1%.

      • ​Ex. Example: Jim graduates College with a student loan debt of $5,500 then moves to the Employee Path. When on the Employee Path, Jim will be given the option to pay on his student loan. If he chooses not to pay, a 1% interest fee will be added to the loan amount. Therefore, Jim’s loan will be $5,555.

  • Graduation:​

    • A College Degree Badge will be awarded upon the player graduating college.

    • A player may only choose between Self-Employee and College Degree paths. 

    • The player will then be given a randomly generated Salary Category to begin their next career path.

Winning the Game

  • The winner of Getting Grown is determined by which player has the highest return on investment percentage at the end of the game. This is calculated by taking the total money earned in the game and dividing it by the total amount of money the player started the game with, then multiplying that by 100.

Example 1 (Employee Path):

$25,000(Ending Game Total) - $9,000(Starting Game Total) = $16,000(Total Money Earned)

 

Let’s now calculate the ROI %

 

[$16,000(Total Money Earned) ÷ $9,000(Starting Game Total)] x 100 = 177% ROI 


This means at the end of the game, the player earned 177% “MORE” money than he or she started with.

Example 2 (Entrepreneur/Athlete Path): 

 

$500,000(Ending Game Total) - $1 Million(Starting Game Total) = -$500,000(Total Money Earned)

 

 Let’s now calculate the ROI %

 

[-$500,000(Total Money Earned) ÷ $1 Million(Starting Game Total)] x 100 = -50% ROI

 

This means at the end of the game, the player earned 50% “LESS” money than he or she started with. 

 

The winner of these examples is the Employee in Example 1. The Employee player is the winner because his ROI is greater than the Athlete player.

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