The Game of Life vs Monopoly

The Game of Life simulates a journey from early adulthood through retirement. Players travel along a winding track in small plastic cars, making decisions about education, careers, marriage, family, home purchases, and investments.

The goal is to retire with the most combined wealth (cash + Life Tile values). The player with the highest total at the end wins!

Be the last player remaining with money. Drive your opponents into bankruptcy by buying properties, collecting rent, and building houses and hotels.

1. Assemble the board: attach buildings, mountains, and bridge to their marked positions.
2. Set up the spinner in its designated hole on the board.
3. Separate and shuffle all card decks: Career Cards, Salary Cards, House Deed Cards, and Stock Cards. Place them face down near the board.
4. Shuffle all 25 Life Tiles and place them Life-side up (value hidden) as a draw pile. Take 4 Life Tiles and stack them at Millionaire Estates without looking at their values.
5. Place all money, insurance policies, and bank loan notes in the banker's tray.
6. Choose a Banker (who can also play).
7. Each player receives $10,000 from the bank.
8. Each player chooses a car and places one person peg (pink or blue) in the driver's seat.
9. Spin to determine turn order: highest number goes first, then play clockwise.

1. Unfold the board and place it on the table.
2. Each player chooses a token and places it on GO.
3. One player is chosen as the Banker.
4. Each player receives $1,500 divided as: 2x $500, 2x $100, 2x $50, 6x $20, 5x $10, 5x $5, 5x $1.
5. Shuffle the Chance and Community Chest cards and place them on the board.

Before your very first spin, you must make the most important decision of the game:

Option A: Start a Career (Skip College)

• Place your car on the START CAREER space.
• Draw 1 Career Card (reject any marked "Degree Required" and redraw).
• Draw 1 Salary Card at random.
• Spin and move normally.

Option B: Go to College

• Place your car on the START COLLEGE space.
• Borrow $40,000 from the bank to pay tuition.
• You do NOT get a career or salary yet.
• When you reach the Job Search space, draw 3 Career Cards and 3 Salary Cards, then choose the best of each.
• College graduates can pick careers marked "Degree Required" (Doctor, Lawyer, etc.).

On each turn:

1. Before spinning, you may optionally: buy a Stock Card ($50,000), purchase Insurance, take out or repay Bank Loans.
2. Spin the wheel (1-10). If it lands between two numbers, spin again.
3. Move your car forward the exact number of spaces (always forward).
4. If you land on an occupied space, move to the next open space ahead.
5. Follow the instructions for the space you land on.

Space Types

• Green (Pay Day) — Collect your salary when you land on or pass over this space. You collect every time you pass one!
• Orange/Red (STOP) — You MUST stop here even if you have moves left. Follow the instructions, then spin again.
• Blue — Optional. You may follow the instructions or ignore them.
• Standard spaces — Follow the printed instructions: collect money, pay money, earn Life Tiles, pay other players, etc.

On each turn:

1. Roll both dice and move your token that many spaces clockwise.
2. Take action based on the space you land on (see below).
3. If you roll doubles, take another turn. Three doubles in a row sends you to Jail.

Landing on Properties

• Unowned property — You may buy it at the listed price. If you don't, it goes to auction.
• Owned property — Pay rent to the owner. Rent increases with houses and hotels.

Special Spaces

• GO — Collect $200 when you pass or land on it.
• Income Tax — Pay $200.
• Chance / Community Chest — Draw a card and follow its instructions.
• Jail — Just visiting (unless sent to jail).
• Go to Jail — Go directly to jail. Do not pass GO.
• Free Parking — Nothing happens (in official rules).
• Luxury Tax — Pay $100.

Your career determines special abilities, and your salary determines how much you earn at each Pay Day.

Careers Requiring a Degree

• Doctor — Highest-paying potential
• Lawyer
• Accountant — Collects from other players on tax spaces
• Teacher — Earns money when others land on school fee spaces

Careers Without a Degree

• Police Officer — Collects $5,000 from any player who spins a 10
• Entertainer
• Salesperson — Collects $5,000 when another player buys stock or insurance
• Athlete
• Artist — Collects $10,000 from any player who spins a 1

Salary Range

Salary Cards range from $20,000 to $100,000. College graduates draw 3 and pick the best; non-college players draw 1 at random.

Career Change

If you land on a Career Change / Night School space, draw 2 new Career and Salary Cards and choose whether to switch. If you land on "Lose Your Job", you must change career and salary.

When you reach the Get Married space (a mandatory STOP space):

1. Add one spouse peg to your car.
2. Take 1 Life Tile from the draw pile.
3. Spin for wedding gifts:
   • Spin 10, 9, or 8 — Each other player pays you $10,000
   • Spin 7, 6, or 5 — Each other player pays you $5,000
   • Spin 4, 3, 2, or 1 — You receive nothing
4. Spin and continue moving.

When you land on a Baby space:

• Add 1 peg to your car.
• Collect $5,000 from each other player as a gift.
• Take 1 Life Tile.

When you land on a Twins space:

• Add 2 pegs to your car.
• Collect $5,000 from each other player.
• Take 1 Life Tile.

Your car has 6 peg holes total (driver + up to 5 family members). At retirement, you collect $10,000 per child from the bank.

Starter Home (Early Game)

When you reach the Buy a Starter Home STOP space:

• Choose a Starter Home Deed card and pay the listed price.
• If you can't afford it, you must borrow from the bank.

Upgrading (Mid/Late Game)

When you reach the Buy a House space:

• Sell your current home back to the bank at its selling price.
• Draw a new House Deed and pay the purchase price.
• You can never own two houses at the same time.

Consider buying Homeowner's Insurance to protect against floods, tornadoes, and theft events on the board.

Life Tiles are a key scoring mechanic. There are 25 tiles, each with a hidden dollar value ($10,000 to $50,000+) on the underside.

How to Earn Life Tiles

• Land on a Life Tile space
• Get Married
• Have a Baby or Twins
• Retire at Countryside Acres

Important Rules

• Never look at the value side during the game.
• If the draw pile runs out, take 1 tile from any opponent — except players retired at Countryside Acres (their tiles are protected).
• At game end, flip all tiles and add their values to your cash total.

Stocks

• Buy 1 Stock Card for $50,000 at the start of any turn.
• Choose a number. Whenever any player spins that number, collect $10,000.
• You may only own 1 stock at a time (unless you land on "Stock Market Zooms").

Insurance

• Automobile Insurance — $10,000. Covers car accidents and theft.
• Homeowner's Insurance — Cost varies. Covers floods, tornadoes, theft.
• When a space requires payment for an insured event, the bank pays instead of you.

Bank Loans

• Borrow $20,000 per loan note at any time during your turn.
• Repay $25,000 per loan ($20,000 + $5,000 interest).
• All loans must be repaid at retirement.

When you reach the Retirement space, STOP immediately.

1. Repay all bank loans with interest ($25,000 each).
2. Sell your house back to the bank at its selling price.
3. Return Career, Salary, Pay Raises, and Insurance cards.
4. Keep your Stock Cards (still earn dividends).
5. Collect $10,000 per child from the bank.

Choose Your Retirement Home

• Millionaire Estates — High risk, high reward. The richest player here gets the 4 reserved Life Tiles at game end. But your Life Tiles are NOT protected from theft.
• Countryside Acres — Safe choice. Receive 1 extra Life Tile, and your tiles are fully protected from other players.

Winning

Once all players have retired, everyone flips their Life Tiles and adds the values to their remaining cash. The player with the highest total wins!

Once you own all properties in a color group (a monopoly), you can build houses.

• You must build evenly across the color group.
• After 4 houses on each property, you can upgrade to a hotel.
• Houses and hotels dramatically increase the rent other players must pay.

You go to jail if you:

• Land on "Go to Jail"
• Draw a "Go to Jail" card
• Roll doubles three times in a row

To get out of jail:

• Pay $50 at the start of your next turn
• Use a "Get Out of Jail Free" card
• Roll doubles on your next turn (you get 3 attempts)
• After 3 failed attempts, you must pay $50 and move

If you owe more than you can pay, you must:

1. Sell houses and hotels back to the bank at half price.
2. Mortgage properties.
3. If you still can't pay, you are bankrupt and out of the game.

The last player remaining wins!