Money City Simulator

Master financial milestones to unlock new districts. Small daily payments beat monthly overwhelm.

Current Focus
Daily Micro-Payments
Next Unlock
Growth District ($1k debt)
Phase 1: Active

Debt District

Active

Eliminate debt through consistent micro-payments. Debt grows daily - your payments should too.

  • ⚡
    Daily Micro-Payments DebtVault Method
    $5-10/day beats $300/month
  • 🎯
    Debt Avalanche
    Highest interest first
  • ❄️
    Debt Snowball
    Quick wins strategy
Remaining Debt: $5,000
Today's Interest: $0.82
🔥 0 Day Streak
Phase 1: Active

Safety District

Active

Build your $1,000 starter emergency fund with micro-deposits. Small daily savings prevent new debt.

  • 🛡️
    Emergency Fund Calculator
    3-6 months expenses
  • 🏦
    HYSA Simulator
    4-5% APY parking
Progress to $1,000 0%
At $3/day, you'll reach $1,000 in 334 days
Phase 2: Investing

Growth District

Locked

Boglehead-style investing: Low-cost index funds, tax-advantaged accounts, long-term growth. No crypto, no day trading.

  • 🏛️
    401(k) Optimizer
    Employer match + tax deferral
  • 🌱
    Roth IRA Builder
    Tax-free growth
  • 📊
    3-Fund Portfolio
    VTI/VXUS/BND allocation
🔒
Growth District Locked
Pay off $1,000 of debt to unlock investing. Master daily payments first.
$0 / $1,000 debt paid
Phase 3: Optimization

Advanced District

Locked

Tax loss harvesting, side business basics, and advanced optimization. Only for the financially secure.

  • 📉
    Tax Loss Harvesting
    Offset capital gains
  • 💼
    Side Hustle Sim
    Additional income streams
  • 🏘️
    Real Estate Basics
    REITs vs physical property
🔒
Advanced District Locked
Complete Phase 1: Be debt-free AND have 3-month emergency fund saved.
Phase 1 incomplete