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After Playing Cashflow Game

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Yesterday I had an amazing learning experience during my Cashflow Game (Register @ Cashflow Game Singapore)! I learnt 2 major lessons – we should not just focus on how fast we get out of the rat race but also focus on whether do we really get out of the rat race and Pay It Forward really works.

What happen? I started out as a Janitor and I was very happy about it quietly. Why? As we all know, in Cashflow 101, Janitor has the lowest expense. Hence, by right, I should get the rat race the fastest. But no, I didn’t. I started off quite nicely but purchasing a $0 Down 3 Bed Room/2 Bathroom giving $100 per month and later on a Great Deal of $2K Down 3 Bed Room/ 2 Bath room with cost of $35K only giving $200 per month. I was thinking I should get out very easily. Unfortunately, things started spiraling down. For a period of time, I didn’t get the number I wanted, I was downsized, my $1 was reversed split (every 2 stock became 1) and I couldn’t sell off my 2 excellent properties – talking about bad luck. hahaha. Remember Luck is Preparation meets Opportunity. I am prepared just that Universe then wasn’t giving me any opportunity to sell.

In the meantime, the Airline Pilot on our table got out of the rat race due to a 10 Acres of Raw Land deal I brokered for him which gave him $150K of capital (he gave me 10% comm generously) and I passed the $10K to the Business Manager was short of $10K cash to clear the loans to get out of rat race. 2 person got out of the rat race on my table before me. I believe due to my actions, my Cashflow game changed! I sold off my $1 stock at $40 getting myself $80K and I got 2 good deals from the Big deals just before the game ended to get myself out of the rat race.

Thanks goodness that I did Power Investing in the game, otherwise I don’t think that I would be able to get out rat race. More importantly, I too believe that it is my Pay It Forward action in the game make the Universe starts to give me opportunities. Robert Kiyosaki always mentioned in his book that Pay It Forward actions really accelerates a person path to Financial Freedom. In his book “Teach to be Rich”, he mentioned that the fastest way to be rich is to teach others to be rich!

So the question now being do you have a platform for you to teach others to be rich? 🙂

Cashflow Game Singapore

What does $1 Deal Mean To You?

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For people who have played Cashflow 101 Game at least once or twice, you would have quickly found out that $1 Deals are probably one of the best things that can happen to you in the game, regardless of your profession card.

In here, we refer to the opportunity card that reads today’s stock price is at $1 and there might be a high potential gain. It is always worth taking note how people behave when they draw that card.

To some players, they do not know what that card means and might even choose to discard it. Otherwise, they may invest a few hundreds into that stock. To the experienced players, usually we see investments of much larger amounts. That said, different situations and scenarios call for different decisions, so it will be a great idea if you can do a review after the gameplay (preferably with an expert or someone who knows what he / she is doing.)

Many experts in the world seems to be saying the same thing: how you play the game is how you play the game of life. Robert Kiyosaki created this game with the intention of education through simulation as closely as possible to the realities of life. This game is to allow you to make mistakes and learn without risking your actual financial portfolio.

Cashflow Game also allows us to see how people make financial decisions and this is the main reason why our club is so passionate in educating the public through the game. There is just so many insights to a single gameplay alone.

Now the big question is, what is a $1 deal to you? Are there $1 deals out there or are they just a myth? As a direct reflection to reality, there are indeed stocks out there that are under a dollar. That said, Cashflow Game Club is not here to influence your financial decisions in life, and we will not be accountable for recommending any financial instruments and its success.

Cashflow Game Club plays a facilitator role and act as a mirror to bring awareness to the way you are playing the game and how you might want to tweak and position yourself for larger amounts of wealth.

$1 deals can in fact come in other forms, even in paper assets, the price might not be $1 per se, but it could be a stark comparison to its true value. Likewise, for other asset classes such as real estate and business.

Now, you may have known this already, when are the profits made? When you buy or sell?

Counterintuitively, profits are made upon buying. And therefore, here are some key questions for you to ponder over:

  • How are you behaving towards great opportunities?
  • Do you know how to spot great opportunities?
  • Do you have a circle of individuals or a network to aid you in that aspect?
  • What else can you do to expose yourself to more opportunities?
  • Do you believe opportunities can be capitalised upon regardless of economy?

By the way, we are still up and running as the leading Cashflow Game Club in Singapore, feel free to join us on one of our sessions.

Cashflow Game Craze in Singapore

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For the 8th time! Cashflow Game organised by Cashflow Game Singapore was fully booked and some of the participants had to be placed on the waiting list and queue for subsequent events. 

Singaporeans can sign up mainly via 4 main channels –

  1. Cashflow Game Club Singapore Website (
  2. Cashflow Game Singapore Meetup Group
  3. Facebook
  4. And most importantly – Friends’ referral.

“I believe it is mainly because participants found tremendous value in our Cashflow Games”, remarked Ms Jenifer Tan, one of the past Cashflow Game Organizers. “Many feedback to me that they loved the review of the Cashflow Game and learnt how to implement the Cashflow Game into their real life”.


All in all, there were 5 Cashflow Games playing at the same time. A record breaking total of 30 Cashflow Game Players were present. The organisers hinted that if this trend were to continue, they might require a larger venue to host future Cashflow Game sessions.

Mr Max Tay, international success coach, business owner and founding adviser of Cashflow Game Club Singapore said, “Of course we are very encouraged and excited about this movement. From our humble beginnings of just playing a single Cashflow Game, to have the attendance that we have today is truly amazing. I really look forward to the next session!”

If you want to

  • Increase your Financial Intelligence to be Financially Free
  • Learn from successful experts who walked the talk

Please visit or sign up for the next session via our meetup group now!

Another Full-house CashFlow Game Session

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We have just concluded another amazing Cashflow Game session on last Sunday, 27 March 2016 and had a record-breaking number of people achieving financial freedom, in the game, of course!

Check out the collage below for the Hall of Fame, specially created to celebrate players who have gotten out of the rat race!


More importantly, Robert Kiyosaki mentioned that the review is more important than the gameplay. Hence, at the end of every session, we would invite facilitators who have applied Cashflow Game concepts into their life and achieved remarkable financial results.

Very fortunate of the club and the participants, Singapore CashFlow Game Club managed to invite Mr. Max Tay whose life mission now revolves around setting more people free. Max also gave tons of valuable insights to the pathway of success and financial freedom during the review.

Want to be listed in the Hall of Fame and also learn from people who have been there done that? Simple, the next upcoming Cashflow Game Session will be held on 17 April 2016, Sunday, 2pm – 5pm.

Meetup Page


For more details and to book your spot, please join our group on Meetup and RSVP from there! In the unfortunate event that you are unable to turn up for it, remember to adjust your RSVP too, so that we may let others have a spot in this guaranteed full-house Cashflow Game Session.

Here’s more photos of our previous session:

Lastly, of course if you like to always receive our latest updates and tips related to Cashflow Game, head over to our Facebook Page and press “Like”!

Top 3 Influential Books Written By Robert Kiyosaki

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It is often in our daily lives that we come across books that share such wonderful insight into not only the world we live in but also ways in which we could better and improve our lives. Robert Kiyosaki founder of the Cashflow Board Game and Best-Selling author of the book Rich Dad Poor Dad, has written many books throughout his career in an effort to spread financial education to the masses. Here are some books below that we have read and are recommending to our fellow viewers who too would like a change and leave the rat race.

Rich Dad Poor Dad


One of Robert Kiyosaki’s best-selling books, and featured on OPRAH. This book is highly recommended for people who have not been exposed to the idea of financial freedom or who are not aware of the possibilities of leaving the rat race. RICH DAD POOR DAD shares simple financial concepts to the public through Robert Kiyosaki’s upbringing where he learned two very different forms of education from two great figures in his life. The whole book revolves around the hot seated topic of Conventional Education Vs. Financial Education and one of Robert Kiyosaki’s pet peeves of why, Financial education is not taught in schools. This book will teach you the importance of acquiring assets over a paycheck, share insights on the current economical system in place and how the rich get richer.




why we want you to be rich


A Collaboration between a Billionaire and a Millionaire. This book was the by-product of both Donald Trump and Robert Kiyosaki. In an effort to promote financial literacy to the masses, the main theme of this book is why it is in fact a civic duty of every citizen in the world to be rich. The book explains how the middle class in the United States as well as around the world Is in face shrinking and that while the middle income class continues to shrink, the lower and higher income classes continue to rise. Both man identified this worrying trend to the world in a bid to improve the financial situation around the world. Both man shared on how the ageing population is affecting the global economy, the “entitlement mentality” that a lot of people have today as well as both mans opinions on financial success. Written in classic interview style, this book is not only easy to read but also well written and can be easily understood.

second chance


One of Robert Kiyosaki’s latest books, written as a homage to the late Buckminster Fuller (Bucky), Robert shares in this book Bucky’s view of the world economy and how, the current banking system today is not designed to help the poor but rather a by-product of corporate greed. Robert Kiyosaki having identified successfully along with other teams of experts the crisis in 2007, here Robert once again identifies an upcoming crisis that will be happening somewhere within 2016. (Refer to current economic outlook). Robert shares summaries of historic crashes, causes and how history is likely to repeat itself but this time, on an earth-shattering basis. Robert here also shares on how that in every crisis, there are always more than two sides to any given scenario. A side for benefit, a side for loss and another side where people can choose to evaluate both options and determine the better route to chose and follow.

Jonathan Ho
Cashflow Game Club Singapore

Our Next Cashflow Game in Singapore (31 Jan 2016)

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Firstly, thank you all the leaders and players for making the previous Cashflow Game session a massive success! Held on 13 Dec 2015, the response was overwhelming and there were many incoming requests to be put on the waiting list. Hence, we are going to release the next Cashflow Game session date here and be sure to RSVP via our Meetup Group – Cashflow Game Singapore as soon as possible! Limited seats!

Upcoming Cashflow Game Session

Date: 31 Jan 2016, Sunday
Time: 2pm – 5pm
Venue: AZ Building, 140 Paya Lebar Road

Connect with us!

(Also, don’t forget to subscribe to our mailing list on the right side of this website to stay abreast of the latest updates.)

Here are some of our previous session photos:

Additionally, in the previous Cashflow Game session, to everyone’s surprise and honor, participants get up close with Mr. Bellum Tan and Mr. Partick Liew – two of the financial heavyweights in Singapore! You never know who you are going to meet in one of our sessions!

Cashflow Game Club Singapore

What is Financial Freedom?

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Financial Freedom

What is Financial Freedom??

Some of you may be thinking, well, what is financial freedom?

Financial Freedom is generally the ability to do whatever you love, whenever you like and wherever you want, without worrying about financial constraints. When your assets generate income more than your expense, you would enjoy the greatest sense of success that you can imagine. Some may prefer to travel and see the world, or enjoying life everyday with love ones or fulfill every single dream.

Firstly, let’s define your definition and path to Financial Freedom.

What do you want to achieve in life? Will you do whatever it takes to achieve your goals? Once you understand your roots, it’s much easier to understand where you want to go and how you will achieve it.

No matter your financial past, today is a new day. You can start fresh or you can optimize the path you’ve already set out on.

Therefore, understand what you want in life and educating yourself about The Importance of Financial Freedom, as well as the means to achieve it is very essential.

In order to achieve Financial Freedom, you must:

  • Change your Habits – Learn how to quickly and easily change your behavior for better financial results.
  • Control Your Money – Follow a step-by-step plan for directing your money toward your real priorities.
  • Create Freedom – Discover personal goals that practically guarantee your financial success.

Financial Freedom

Robert Kiyosaki, author of International Best Seller Book “Rich Dad Poor Dad”, details ways to achieve financial freedom in his book.

  • Increase your income,
  • Decrease your expenses,
  • Buy more stuff that makes you money (assets)
  • Buy less stuff that costs you money (liabilities).

Start to plan your path and learn from someone who is already there.  There’s no goal you can’t achieve, if you set a plan to achieve it and maintain a laser focus on getting there.

Angie Ng

Cashflow Game Club Singapore


5 Reasons You Should Play Cashflow Game

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Most people have played board games before, like monopoly game. And some of you might have heard about the popular Cashflow game board game by Robert Kiyosaki.

It is not a normal board game which we play for fun by buying houses and hotels only ; Cashflow Game is an education game which acts a simulation of real life. The truth is that learning what’s really important in entrepreneurship and investing: which is your Financial Statement. Learn how to Build your assets and build your wealth in this game.

Here are 5 top reasons why you should start playing Cashflow game.

1. We learn what it takes to build real wealth – all while having fun playing a game. Most of the people are taught on how to make an income by applying for a job and working hard from 9am to 5pm. While in the game we are being taught that it is possible to create assets that create the income. And when our passive income is greater than expenses, we get out of the rat race in the game. Practising to buy and built assets in the game is less costly than when we play in real life. Remember that the game is also a simulation of the real life.

2. A lot of us have played monopoly game before and may be thinking that this cashflow game is just another board game. In reality, the cashflow game board game is created by Author of the #1 bestselling personal finance book ever, Rich Dad Poor Dad, Robert Kiyosaki, is going to tell you the truth about money. We are going to learn a lot of lessons in this game than any other games out there about our debit & credit and how we react to our opportunities that come along.

3. According to expert in learning pyramid Edgar Dale, we only absorb 10% of information by reading. Who among us has not sat in an auditorium during a lecture (library or otherwise), surrounded by sleeping audience members? In fact, the research supports that lecture is of limited use when it comes to retention of material;people’s minds tend to wander after a short period of time. It seems common sense to conclude that methods alternative to lecturing would be better; thus why an educational is better.

4. In playing cashflow game would be much fun when we play with a real people rather than playing it online; you are playing with computer. There a few reasons why I love to play with actual cashflow board game. First of all, I have a chance to meet with strangers which become friends later; so far I have known quite a few like minded strangers who have become friendships all these years. Unbelievable right ? Secondly, during the game, I can observe different behaviors from the players; I can tell you that you will see the gamblers, conservative, aggressive, and timid behaviors of the players in your board game. Same human beings but each of them will have different end results at the end of the game; this is simply because of the mindsets that each of them have. Last, I learnt how to fill up the financial statement manually rather than computed by computer, which teach me where is income, expenses, passive income, assets and liabilities. And I learnt a lot of things in financial statement.

5. Cashflow 101 is played within 2-3 hours, each hour is equivalent to 10 years of your life. If we are Playing this game for 3 hours is equal to 30 years of our lives. Thus why game is a simulation is a real life. Should we go through our 30 years of life to find out if it is working fine for us ? Of course not ! This the reason why we are conducting cashflow game club in Singapore to Educate, Empower and Enlighten individuals by providing entertaining Learning Opportunities for people to make better Financial Decisions, towards Financially Free and be Wealthy!

Stephen Prana Tan

Cashflow Game Club Singapore

A Small Deal in Real Life – Preference Shares

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Dear Cashflow Players,

Still remember in thepreference-shares game there is a small deal card call “2 Big Power” or “DIV2U”? There was once I got $23,500 passive income per month in my Cashflow Game because of those deals as I have about $1.1 million in cash. The question now is that is there such deals in real life?

For example, DBS is issuing out $500m preference shares for retail investors that will pay 4.7% a year for 10 years . This definitely beats fixed deposits rates but it is not risk-free and comes with potential pitfalls. The major pitfall is that the price is never fixed and will fluctuate according to prevalent interest rates and market conditions. Baring any financial disasters, they are general quite safe.

Hence, if one person have about $1.1 million in cash to buy the preference shares, he or she will get roughly about $51K per year which works to about $4,300 per month of passive income. The question now is do you have any other streams of passive income to protect this paper asset (Remember Money Velocity)? 

Max Tay
Passive Income Guru

P.S.: You can read more about other ways to create Passive Income – 9 Ultimate ways to create Passive Income in my blog.


4 Important Principles of Financial Literacy

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The most frequently financial advice that is being told is to work hard, save money, get out of debt, live below your means, and invest in a well-diversified portfolio of mutual funds. Do our school prepare us to be financially literate ? Our schools do well at teaching reading, writing and arithmetic, but they are horrible at preparing people to work with money. Nearly every person who graduates from school is financially illiterate. Basically, Financial literacy is the ability to understand how money works in the world.

Every rich people who are financially free have high level of financial literacy. The good news for you is you don’t need to be super talented to be financially free. To be financially literacy It will take hard work, a lot of study, and trial and error, but the return will be worth it. The key to becoming financially literate is to understand the four foundational principles of financial literacy.

#1 – The Difference Between an Asset and a Liability

Many people misunderstood the definition of an asset. For example, you probably think your house is an asset, but it’s not. The truth is that just as there are two definitions of an asset.

Accountants use definition of asset as economic of resourse that requires lots of financial knowledge to make people and companies feel richer than they really are whether the asset have cash flow value. 

The rich use the definition of asset grounded in simplicity and reality. An asset is anything that puts money in your pocket and a liability is anything that takes money out of your pocket.

Your house is not an asset because it takes money out of your pocket each month. Even if you own your house outright, you still have to pay for the taxes, maintenance and more out of your own pocket.

But if you own a rental property, that can be an asset, because it puts money in your pocket each month in the form of cash flow. When your tenant pays rent, they cover your mortgage, maintenance, taxes, and more.

#2 – Using debt and taxes to get richer

Your financial adviser or accountant will tell you that debt is bad and taxes are inevitable. People who are financial literate will understand that both debt and taxes can be used to create immense wealth. There are two kinds debt, bad and good. When your financial adviser tells you to stay out of debt, she means stay out of bad debt. That is good advise but they never tell you what is good debt. 

Bad debt comes in the form of borrowing money for liabilities such as using credit cards to buy smart phone or luxury items, which cause your money flowing out of your pocket to pay debt.

What is good debt? Good debt is debt used to purchase assets like rental property. For example, When you use the bank’s money to purchase real estate, you will use less of your own money to pay down payment to secure an asset instead of full price, and your tenant’s rent pays off your debt while you own the asset and pocket the profit for cash flow.

People with high financial literacy understand when it come to taxes that governments give exempted tax codes to encourage specific types of investment. If governments want you to build affordable housing, they give you a tax cut. If they want to encourage oil exploration, they give you a tax cut. If they want to see higher employment, they give you a tax cut. The secret is that most tax benefits are made to help entrepreneurs and investors. With the right financial education, you too can utilise the tax code to not only get richer, but also pay nothing in taxes.

#3 – Cash Flow Versus Capital Gains

Most people invest for capital gains but the rich invest for cash flow. Investing for capital gains is like gambling, you invest your money and hope the price goes up. For instance, many people buy a house hoping they’ll be able to sell it for more money later. In the meantime, they have to pay their mortgage and home expenses. Money goes out of their pocket. It becomes a liability.

The rich invest for cash flow, that it’s money flowing into your pocket on a continual basis whether you’re working or not. It is your money working for you. And generally, cash-flow investing is based on fundamentals that aren’t as susceptible to market swings like capital-gains investments, which means that even in bad times, money still flows into your pockets.

Additionally, cash flow is what is known as passive income, which is the lowest taxed type of income. This is not always the case with capital gains taxes, which vary depending on the type of asset you’ve invested in and how long you’ve owned that asset. In some cases, the taxes can be very high. Different investments produce different results. The question is, what results do you want?

#4 – Making your own financial decisions

If you are not financially literate and confident about your knowledge about money, you let others make your financial decisions for you.

You let your financial advisor to decide how and where your money should be invested. They will advise you based on which investment pay them the higher commission. You let your bank to tell you what interest rate is your money worth and you follow whatever investment trend is popular in the news without financial education.

The rich don’t follow the crowds. They set the trends and are gone by the time the trends become popular in the mainstream. What’s their secret? They think for themselves about money and make their own financial decisions because they have a high financial intelligence.

Having great knowledge to act on and great wisdom to know which course of action is the best is the key in building great wealth. By applying yourself to financial education only you can gain this kind of knowledge and wisdom to a high financial intelligence.

The question for you is, are you ready to increase your confidence about money by increasing your financial education? Are you ready to start making your own financial decisions?

Cashflow Game Club Singapore