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Show HN: I made a sandbox game to help with financial planning

simulator.money

121–130 of 145 posts

Re: Show HN: I made a sandbox game to help with financial planning

#121
post #76

Earlier quoted context omitted.

Most people feel the need to have friends. We're social animals. For a minority of people that's not the case and keeping up with relationships is a chore - even then, keeping some friends can be desirable, given we anyway live in a society of other human being. In both cases, generally you spend more money with friends, for one reason or another.

Not all of us are social

A strange comment to leave on a social media site.

Re: Show HN: I made a sandbox game to help with financial planning

#123
post #28

This is fun. It's pretty buggy though. I bought two properties so far (hindsight is awesome), but I'm still paying rent to mom, apparently I didn't move in. Now I cannot sell or rent them out. Also, not much happens? I just sit here watching numbers go up.

> Also, not much happens? I just sit here watching numbers go up. That describes past 10 years of my life. Fortunately, I'm (early) retiring this year.

> I'm (early) retiring this year.

That's the most important missing feature. After 20 years in the game, I have a house, a pension fund, and a savings account with a montly growth twice my monthly expenses. At this point there is zero incentive to continue working for ~30 more years.

IRL I hope to be there around age 50. No matter how much I enjoy my job, 40 hours of "enjoyment" per week is a lot more than I want.

Re: Show HN: I made a sandbox game to help with financial planning

#126

Earlier quoted context omitted.

"Real Lives" is another interesting game. You get born in a random country, weighted by actual rate of births in that country, and go from there https://en.wikipedia.org/wiki/Real_Lives https://reallivesworld.com/gamers/index.html Looks like their website is kinda crappy which is a shame. Anyway, my parents bought it for me and my siblings when I was a kid. And playing it definitely helped me appreciate the fact that…

Yeah, I also played that game and had pretty much the same experience as you. Hopefully, the world has improved somewhat since the game was written.

I don't think it has. Not for the majority, anyway. Maybe it has for members of the "lucky sperm club."

Re: Show HN: I made a sandbox game to help with financial planning

#127
post #45

Earlier quoted context omitted.

Ya, it's technically possible, but boring and tenous. If you won't spend any extra money on socializing, you're going to be a snooze to be around.

Sorry, kinda wanted to respond sarcastically, but I'll be direct instead: Hiking, cooking together, playing board games, card games, playing music together, exploring, and just talking are all inexpensive or free. The most interesting people I've known in my life focused on those things anyway.

No doubt, those things are great. But if the reason you're doing them is because you refuse to spend the money you do have, then those start to feel pretty finite. I think it's particularly obvious during the pandemic. The first 5 times you go for a walk are great, and then you propose getting some food in the park to change it up a bit. Maybe you need to rent a car or get a minimum kind of shoe to get to different hiking spots, and your miserly friend doesn't join just because they'd rather excessively save their money. Or you don't live somewhere with hiking, or you just want to sip coffee at a cafe but they won't buy anything. Or you want to invite them to a party but they choose to never bring anything to drink or eat. It's just kinda lame.

Again, this is more about choice rather than necessity. Carries a different vibe if you're trying to do whatever you can reasonably afford, and that may mean not spending anything extra. Good friends will accommodate, but if it's obvious you're making over 100k a year (without significant dependents etc.) and won't split gas, well that doesn't lend itself well to collaborative fun times.

Edit: Also, I don't mean to suggest saving money in general is inherently bad. Obviously not. But you need to be able to find that balance. I personally tend to place higher value on the chance to hang out or have a drink than having 20 more dollars in the bank. But many drinks over many weekends maybe not as much.

Re: Show HN: I made a sandbox game to help with financial planning

#128
post #114

Earlier quoted context omitted.

Why can't I buy Amazon shares from the start? :D

Ha, I want to add investments but it would have to be random-ish. No point in using historical data for share prices because that would make it a bad simulation if you already know the result.

Maybe keep the historical data but randomize which company is associated with the data ?

Re: Show HN: I made a sandbox game to help with financial planning

#130

So you're assuming you're lucky enough to get a fairly high paying job (for 2002) straight out of school within walking distance of your mum's house, first job you applied for too? The rent is tiny, the expenses seem really low too. For comparison my first job which required a uni degree and was in central london in 2003 was £18k a year. Rent on a bedsit was £520 a month, transport was £120 a month, student loan £59…

Sorry curious, 18k works out at 1'500 a month, your expenses were 1100, was the rest tax?
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