About the Game

An Immersive Simulation Game

How to Use Money for Greatest Return

About the Game

The MentaMorph Money app uses a powerful gaming format integrating the many aspects of financial decisions to simulate the real-world experience, with numerous scenarios and increasing levels of complexity. 

Graphic | About The Game - 01

In MentaMorph Money:

Market Exploration and Early Success

MentaMorph Money was a finalist in the Pocket Change competition for financial games.

Tabletop Format

This game was first “dreamt up” in a manual scoring format using toothpicks for money and stickers and paper for scoring. It was played with hundreds of adults and teens with tremendous success.

Photo | Student Workshops - 01
Graphic | Student Workshops - 02

What our Student Testers Said...

In the school delivery shown here, these are some of our favorite comments on what they learned:

MentaMorph: How You Play

Each game is based on a scenario.

The first is a Tree Farm.

The game is played in Rounds, with multiple decisions per round as occurs in the real world. Below are some of the initial actions. As the game progresses, additional functions are added.

Goal: The highest net worth at the end of the game.
The elements of the game can be divided into 4 categories:

Income (Currency, Apples)

Each round you collect the income. In the tree farm scenario, this is done by collecting apples from your apple farm.

You start with a base amount, and your income can change. For instance it can either increase with savings, or decrease if you have an outstanding loan.


Weekly Expenses (Watering)

Every week, or round, expenses must be paid in order for the game to continue. In the tree farm this is represented by watering.

Monthly Expenses (Fertilizing)

Every month, periodic expenses must be paid. In the tree farm this cost is represented by fertilizing. If they are not paid there is a penalty applied for the next four rounds.


Emergencies (Beetles, Fire, etc.)

Emergencies are randomly occurring events that cost currency to resolve. Emergencies need to be resolved before you advance to the next round or the game is over.

They encourage players to balance their assets so they can manage these unexpected investments. If a player is invested entirely in the more risky variable assets but their value is not sufficient to manage an emergency they will either have to pay a penalty on a loan or lose the game.

Loans give the player currency when they are taken out. Players need to pay back the loan amount to resolve the loan. However, every round before the loan is paid a penalty is applied until the loan is resolved.


Liquid Assets (Savings)
A Savings asset can be obtained which provides passive income for every round they hold it. Players can reclaim the currency whenever they choose.

Fixed Assets (Apple Cart)
Fixed assets cost a fixed amount. They enable the player to collect additional income every round they hold it. They can also be sold back if needed.

Variable Assets (Type of Wood)
Variable assets are essentially stocks. In the tree farm they are represented by seeds. Their value goes up and down at random so the goal is to purchase them when their value is low and sell them at a higher price to make a profit.

Net Worth Summary

At any point in the game users can see how they are doing by seeing their net worth.

Additional Scenarios and Levels

The Tree Farm scenario introduces the major categories of the game design.

Additional scenarios are planned to be played as students, heads of households, careers, businesses and even countries. The principles are the same; the types of Income, Expense, Assets, Liabilities and Investments change.

As game play progresses new levels are introduced.

The possibilities are endless.