MentaMorph Money uses a powerful gaming format integrating the many aspects of financial literacy to simulate the real-world experience.  In MentaMorph Money:

You can "Morph" into multiple customers, roles, income levels, and market scenarios to show patterns.
Multiple categories for expenses and assets differentiate where to find the money for savings and investments.
You can progress to more levels and enjoy additional releases.
You can experience how multiple choices affect your financial situation over time - not just once, but over and over.
You can play anytime, anywhere.

A deeper understanding occurs when patterns are recognized, which is possible with multiple experiences. No other game throws all of the parts at you at once so you can actually practice making decisions - not just providing theory but including application, and not just once, but under different environments.

MentaMorph Money has an additional benefit in education. Recent events show the need for life skills to be taught in schools in addition to scholastic studies. By creating a curriculum and artifacts that teach the principles in a physical arena, and by relating the principles to the students' own personal lives, students gain a clearer and deeper understanding of the sciences while learning about life.

Our products teach principles, specifically in the areas of math and science. For instance, exponential growth can be related to savings and debt as well as population growth and the biological growth and depletion curves, as well as the spread of gossip and the pandemic.

My design perspective is that money is a form of energy storage or value storage, and teaching about money in a concept and game-driven way also provides the opportunity to relate it to human energy.

For instance, when covering the topic of investments, it also relates to:
Investments of a non-physical nature, such as investing in your education, investing in experiences.
Assets including relationships, social skills, knowledge.
Matrix-driven design, which enables the game to "morph" to playing as an individual, household, business, or country with relative ease.
It also provides the possibility of using it to teach life skills during the debrief when used in a classroom environment.
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ExpensesWeekly Expenses (Watering)Every week, or round, one currency must be paid in order for the game to continue. In our game this is represented by watering.Monthly Expenses (Fertilizing)Every month, or 4 rounds, one currency must be paid. In our game this cost is represented by fertilizing. If they are not paid there is 1 currency penalty of income for the next four rounds.

Assets

Liquid Assets (Savings)
‍A Savings asset can be obtained in blocks (7 currency each). It gives the player 1 income per block for every round they hold it.  Players can reclaim the 7 currency whenever they choose.

Fixed Assets (Apple Cart)
‍Fixed assets cost a fixed amount (7 currency). They enable the player to collect 1 additional income every round they hold it. They can also be sold back for 6 currency if needed.

Variable Assets (Type of Wood)
‍Variable assets are essentially stocks. In our game 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.
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Liabilities

‍Emergencies (Beetles, Fire, etc)
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‍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
‍Loans give the player 6 currency when they are taken out. Players need to pay 6 currency to resolve the loan. However, every round before the loan is paid a penalty of 1 income is applied until the loan is resolved.
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Summary
‍At any point in the game users can see how they are doing by seeing their net worth.
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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.