Six envelopes, five homes and one question that sits behind every good money decision: when do I need this back?
This is financial education, not financial advice. The homes and outcomes are simplified for teaching.
How to read your result.
For beginners, students and anyone who wants to learn the timeline rule in two minutes, without numbers.
Your score
How many envelopes went to a sensible home for their timeline. It is a teaching score, not a grade on your finances.
The feedback on each move
Read why each choice works or does not. The same product can be right for one goal and wrong for another.
The one question
When do I need this money back? Soon means safe and reachable. Years away means you can afford ups and downs for more growth.
Where to go from here.
Related reading.
The ideas behind this tool, explained properly. Each one takes a few minutes.
Questions people ask.
How do I play?
Tap an envelope, then tap the home you would give that money. On a computer you can also drag the envelope onto a home. You get feedback after every choice and a score at the end.
Why does the timeline matter so much?
Money you need soon should sit somewhere safe and reachable, even if it earns less. Money you will not touch for years can afford ups and downs in exchange for more growth. The same product can be right for one goal and wrong for another.
Is there one right answer for everyone?
No. The game uses common guidance to teach the idea. Your own situation, income and comfort with risk matter, which is exactly what the Financial Clinic is for.
This is financial education, not financial advice.
Got your number? Let’s talk about it.
The Financial Clinic is a short, free check-in where we look at your actual goals and timelines together. No products to sell you.