DID YOU KNOW
Investing $5/day from age 20 = $1M by retirement
HACKATHON · FINANCIAL LITERACY SIMULATOR
Live 10 years of financial decisions in 15 minutes.
0% of teens graduate without understanding credit scores, compound interest, or how a single financial decision echoes across decades.
Financial illiteracy is a crisis
43%
Think 18% APR is manageable
It means paying $2,500 extra on a $5k balance over 3 years
78%
Teens lack basic credit knowledge
By graduation, many have already made irreversible financial mistakes
$1.7T
US student loan debt
Most borrowers didn't understand compound interest when they signed
30yrs
Avg. time to learn from mistakes
Financial education is still taught by life experience instead of in school
See compound interest work
Initial Investment$1,000
Annual Return7%
Time Horizon20 yrs
FINAL VALUE
$3,870
+$2,870 gain · 3.9× your money
GROWTH OVER TIME
$1k
Y1
$1k
Y2
$1k
Y3
$1k
Y5
$2k
Y10
$4k
Y20
$8k
Y30
NEW FEATURE
"What if?" Branching Replays
Ever wonder how your life would turn out if you made a different choice? Our branching replay system lets you jump back to any pivotal moment in your past runs, diverge your path, and see the alternate timeline play out.
Jump back in time
Select any round from a completed simulation to replay.
Create alternate timelines
Your original run is preserved. Explore infinite 'what ifs'.
Original Timeline
Net Worth: $124,000
Alternate Choice: Invest Early
Round 4 Divergence
Every choice has a consequence
NET WEALTH IMPACT+$0
AGE 22 · SCENARIO 1 OF 3
Your first paycheck hits. What do you do?
You just got your first real job. $3,200 hits your account.
What you believe might be costing you
Learn by doing. Not by reading.
01
Choose your starting point
Pick your age, income level, and life scenario. No sugar-coating.
02
Make real decisions
Credit cards, jobs, investments, emergencies — real forks in the road.
03
See the ripple effect
Each choice updates your net worth, credit score, and life trajectory in real time.
04
Learn from the outcome
Every decision, good or bad, teaches the underlying financial principle.
05
Climb the leaderboard
Your best completed run is ranked against other players by net worth and credit score.
COMPETE & COMPARE
Climb the all-time leaderboard
Complete a 10-round simulation and see how your best run stacks up against other players. Ranked by composite score from net worth and credit score.