Welcome to REAL LIFE final

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!WELCOME TO REAL LIFE [[Start|Introduction]]

You managed not to miss the bus by taking your breakfast with you. You tried to hide your excitement but you couldn't, so you spent all your way to campus chatting with your friends about how you were going to celebrate that [[night.|Ceremony]]

!!Chapter 1 !!![[Time to get rich|Payday]]<<show "timeline">>

After returning home from celebrating your new job, you headed to your bedroom and turned off the lights hoping to get some sleep. <<timed 4s t8n>>However, your father's snores wouldn't let you and once you were starting to fall asleep, you heard a phone ringing in your <<linkappend "bedroom" t8n>>. Turns out it was your brother's, he should have left it there. <<timed 2s t8n>>Now that you had the money, it was time to find somewhere else to [[live|House]]. <</timed>><</linkappend>><</timed>>

You entered your new apartment after making the first payment and felt finally free to be in your own <<linkappend "appartment." t8n>> After the truck with your stuff arrived and the land owner helped you get installed, you fell asleep in what's now your new bedroom to be prepared for your first day at work.<<set $expenses.Transport to 1000 - $rent>><<set _negative to -$rent>> <<changeBars $player _negative>> <<nobr>> <<if $rent >= 750>> [[Next Day|Noisy Awake]] <<else>> [[Next Day|Calm Awake]] <</if>> <</nobr>><</linkappend>>

!YOU LOST

You looked on the internet for places where to live. Now, choose but remember that those appartments closer to the city are more expensive than those far from it. <div class="house_images_container" style="display:flex; position:relative"><img src="https://upload.wikimedia.org/wikipedia/commons/thumb/b/b1/Round_Landmark_Icon_Forest.svg/500px-Round_Landmark_Icon_Forest.svg.png" class="house_slider"><img src="https://upload.wikimedia.org/wikipedia/commons/thumb/6/6e/Round_Landmark_Icon_City.svg/500px-Round_Landmark_Icon_City.svg.png" class="house_slider" style="position:absolute; left: 80%"></div> <<numberslider "$rent" 750 500 1000 10>> [[That's right|Message 1.0.2][$expenses.Rent to $rent]]

<<set $player to { "name":"David", "pocket": 1000, "salary": 2100, "rent": 0, "paydays": 0, "loan": "", }>> <<set $employee to {"Salary:": "3000$"}>> <<set $expenses to { "Rent": 500, "Car_Down_Payment": 0, "Car_Loan": 0, "Car_Expenses": 0, "Transport": 0, "Bills": 400, "Groceries": 220, "Clothes": 200 }>> <<set _leftOver to $player.salary - $expenses.Rent - $expenses.Car_Down_Payment - $expenses.Car_Loan - $expenses.Car_Expenses - $expenses.Transport - $expenses.Bills - $expenses.Groceries - $expenses.Clothes>> <<if _leftOver > 0>><<set $expenses.Entertainment to _leftOver>><<else>><<set $expenses.Entertainment to 0>><</if>>

<<bars $player>><<expenses_divs $expenses>><<set _leftOver to $player.salary - $expenses.Rent - $expenses.Car_Down_Payment - $expenses.Car_Loan - $expenses.Car_Expenses - $expenses.Transport - $expenses.Bills - $expenses.Groceries - $expenses.Clothes>><<set $expenses.Entertainment to _leftOver>>

//Imagine having everything you'd ever need or want, having all the money in the world at your disposition. <<timed 3s t8n>>Have you ever thought about <<linkappend "it?" t8n>> Yeah me too, that would certainly be great. <<timed 2s t8n>>Not having to worry about running out of money, <<next>>no need of doing the paperwork nor the stuff you hate just to pay the bills. // <<next 3s>>[[Why not give it a try?|Tutorial]]<</timed>><</linkappend>><</timed>>

It´s 7:00 am in the morning, breakfast is ready and have just woken up. Meanwhile, you're still in your pijamas and as you put on your clothes. You remember that today it's an especial day as after all those years of study, you finally graduate from university. [[Get ready|Way to School]]

//Great! See that number up there? It will change depending on your decisions, so pay special attention to it if you want that dream of yours to become true. Right now you only have what's left from the money you received on your birthday, use it wisely.// [[Wake up]]

The next few days passed relatively quickly once you got used to your working schedule. <<timed 3s t8n>>Thankfully, Alvaro and you had already worked there before as you already knew most people in <<linkappend "there." t8n>> Today, after a month of long hours working exhaustively, you wake up early as it's finally your first payday. <<timed 3s t8n>>Finally, as you were already getting short on money.<<move_day 28>><<set $player.paydays += 1>><<set _negative to -$player.pocket>><<changeBars $player _negative>> [[Next|Income]]<</timed>><</linkappend>><</timed>>

As the day finished, you noticed that everybody, including your friend, left as it was another work day. <<timed 3s t8n>>You where about to go with them your boss called you to his office. <<next 2s>>''"$player.name, come over'' <<linkappend 'here"' t8n>> ''"You almost left without collecting your paycheck."'' <<timed 3s t8n>>As he gave you the cash, you inmediately started counting it. <<next>>However, you noticed it was less than what you had agreed. <<changeBars $player $player.salary>> [[Next|Taxes]]<</timed>><</linkappend>><</timed>>

You left still wondering why the government could take the money you worked hard <<linkappend "for.">> Then, you decided to think on something else and so you remembered what he said about everyone else having a savings account but <<linkappend "you" t8n>>. So, you realized: <<timed 1s t8n>>"Millionaires don't carry around huge sums of money in cash, they must have a bank account. <<next 2s>>If I plan on becoming a millionaire I better get one of those as [[well.|Phone call]] <</timed>> <</linkappend>> <</linkappend>>

<<timed 1s t8n>>"But we agreed on 3000$, where's the rest?" <<next 2s>>//"Is it a joke? We have discounted taxes of //<<linkappend "course." t8n>>" "Sorry...Can you repeat that?" <<timed 2s t8n>>//"You know that 30% of your money must go to the goverment. <<next 2s>>Which in this case would be 900$, so you get to keep the //<<linkappend "rest." t8n>>" "By the way, where´s everyone else?<<timed 2s t8n>> Aren't they also getting payed?" <<next 2s>>//"They have been transfered their payment to their savings [[accounts.|Account]]"// <</timed>><</linkappend>><</timed>><</linkappend>><</timed>>

After that, you finally arrived to your appartment and headed inmediately to the fridge as you were feeling hungry but didn't want to spend eating <<linkappend 'out.' t8n>> But as you opened you found it was empty. You had forgot to make the groceries. [[Go to the Supermarket|Shopping]]<</linkappend>>

You went to the supermarket and once inside, you started to get tempted by all the things you could buy now that you had the money to do so. However, you remembered you were trying to spend as little as possible so, you decided to limit yourself to the stuff in your list. (But, remember this has to last for the whole week) <<nobr>> <<set _milk to {amount:0, price:7}>> <<set _bread to {amount:0, price:6}>> <<set _chicken to {amount:0, price:12}>> <<set _eggs to {amount:0, price:4}>> <</nobr>> <<numberpool "$player.pocket">> |''Milk (1L):''|''7$''|<<numberbox "_milk.amount" 0 0 20>>| |''Bread:''|''6$''|<<numberbox "_bread.amount" 0 0 20>>| |''Chicken (kg):''|''12$''|<<numberbox "_chicken.amount" 0 0 20>>| |''Eggs (12):''|''4$''|<<numberbox "_eggs.amount" 0 0 20>>| |''Total:''|@@#total;0@@| <<onchange>> <<replace "#total">> <<set _total to (_eggs.amount*_eggs.price)+(_bread.amount*_bread.price)+(_chicken.amount*_chicken.price)+(_milk.amount*_milk.price)>> _total <</replace>> <</numberpool>> [[That's all for now|Bills][$player.pocket -= _total]]

Once again you went home with all your stuff. But this time, as you opened your door, you noticed there were some papers on the entrance that weren't there <<linkappend 'before.' t8n>> Turns out water isn't free, nor cheap, as well as many of the stuff you use <<linkappend 'everyday.' t8n>> Looks like you'll have to spend yet once again. Pay bills: * <label><<checkbox "_electricity" 0 120>> Electricity $120</label> * <label><<checkbox "_water" 0 110>> Water $110</label> * <label><<checkbox "_gas" 0 70>> Gas $70</label> * <label><<checkbox "_phone" 0 100>> Phone $100</label> <<nobr>><<repeat 2s t8n>> <<if _electricity + _water + _gas + _phone == 400>> [[Ok|Debit Card][$player.pocket -= 400]]<<stop>><</if>> <</repeat>><</nobr>><</linkappend>><</linkappend>>

During the following weeks more and more expenses started to pop up, at least now it was easier to pay for all of <<linkappend "them." t8n>> Taxis were starting to stack up as well as your starbucks of every morning before going to <<linkappend "work." t8n>> Anyway, tomorrow is payday once again so today we should go to the bank and see how much did we manage to save. So you drank your coffee and left inmediately.<<move_day 27>> [[Bank|Bank Once Again]]<</linkappend>><</linkappend>>

You went and waited inline once again. Finally, your number was called so you headed to the empty cabin. "Hello, I'd like to check my <<linkappend 'account"' t8n>> You gave the woman your card and while she was typing she said: //"Anything else you came //<<linkappend 'for?"' t8n>> "Well no, that's it." //"Then, why didn't you saw it from from your //<<linkappend 'phone?"' t8n>> "You mean I don't have to come over here?" //"Of course, once your account is set up you can simply dowload the <<linkappend 'app."' t8n>>// "But, if I want retrieve money and that stuff?" //"You can come here then, or go to an ATM which are those little machines you see right over// <<linkappend 'there."' t8n>> <img src="images/Ch1/ATM.jpg" width="100%" alt="ATM"> [[Next.|No savings]]<</linkappend>><</linkappend>><</linkappend>><</linkappend>><</linkappend>>

You left the bank dissapointed, frustrated by the fact you were no closer to becoming rich than before. "At least tomorrow is payday once <<linkappend "again." t8n>>" Then walking your way home you found a 20$ bill on the ground. <<linkreplace "Pick it up" t8n>><<changeBars $player 20>>And then you figured it out: "That's it. I need to find a way to gain more money. But...How am I supposed to do that?" [[Next|Chapter 2]]<</linkreplace>><</linkappend>>

!!Chapter 2 !!![[Getting Promoted|Driving his car]] <<changeBars $player -20>>

<<move_day 28>>The next day you woke up and went to work in a better mood as all paydays. You started going to work by bus since you realized how expensive taking a taxi was, which isn't as comfortable but it's certainly <<linkappend "cheaper." t8n>> Then, you arrived at work and saw your boss parking his car at the [[entrance.|Car]]<</linkappend>>

That's it!! In order to gain more money I'll need to get promoted. And who is in charge of promoting <<linkappend "people?'" t8n>> //"Me your boss. But you'll have to try harder if you want to show me you're worth the money. Just work hard and do your job. By the way, shouldn't you be doing that right [[now?|Work Hard]]"// <</linkappend>>

So you went into your workplace without completely understanding what he had just said. "Work hard and do my Job? But, that's kind of what I'm been doing all this <<linkappend "time.">> Then you saw Alvaro coming with a coffee on his hand after working all night without sleeping. "Well, guess that if I want to get promoted I'll need to work harder than [[he's|Workaholic]]" <</linkappend>>

"How can you afford to buy a car and pay your bills at the same <<linkappend 'time?"' t8n>> //"You're kidding me right? That may be seem impossible to a mere employee like you. But, when you have a manager's salary it's as simple as you see. Maybe some day you'll get promoted and know what it feels like."// And then, you [[remembered|How to get promoted]]<</linkappend>>

So, after you recieved you paycheck, you started working fourteen hours a day nonstop for the following weeks. Now, you have gone home to get some sleep and shower for returning back to work. You were starting to feel exhausted and tired of having little time left for going out with your friends or visiting your family. <<changeBars $player 0 -20>><<move_day 7>> <<account $player.salary>> [[Next Month]]

You arrived to work and when you were about to enter to his office, you saw there was someone else in there that was talking to him. <<linkappend "Take a look">> Inside a big man wearing a suit more expensive than his was complaining about low sales this month. <<timed 2s t8n>>''"I warned you what would happen to you if this went on."'' <<next>>//"I'm sorry Sir just give me one more month and you'll see."// <<next>>''"Stop telling me the same stuff."'' <<next 1s>><!!!Now get outa here you're [[FIRED!|Promotion]]<</timed>> <</linkappend>>

You moved aside as your ex-boss left the building. Shocked by what had just happened, you doubted what to do next and who to ask about your promotion. [[Talk to your old boss]] [[Go into his office]]

So you went after him and found him outside the building. "Boss, I've been working hard, as you said. I wanted to ask you about my promotion" //"What're you talking about? I'm no longer your boss kid. Now leave me alone."// [[Go into his office]]

You knocked the door to see if the man was still there. ''"Come in"'' <<linkreplace "Enter" t8n>> "Hello Sir." ''"Hi, you're... $player.name right? What do you want to tell'' <<linkappend 'me?"' t8n>>. "What happened with my old boss?" ''"Oh you already know about that, anyway I was about to communicate it to the employees. He was recently fired for his incompetence. Until we find someone to replace him I'm gonna be your new ''[[boss.|Ask Promotion]]" <</linkappend>> <</linkreplace>>

''"Was that all you came'' <<linkappend 'for?"' t8n>> "No, actually I was about to ask him to promote me." ''"And why should he promote you?"'' <<linkreplace "Well..." t8n>> "He told me that if I worked hard I could and you know I think I've been recently working a lot." ''"Now that you mention it, I guess we can give it a try. That way I don't have to interview other people and manage this place on my own."'' [[Seriously!?|Promoted]] <</linkreplace>> <</linkappend>>

''"Yes why not? I mean you have been working hard"'' "THANK YOU SO <<linkappend 'MUCH...!!"' t8n>> ''"Hey not so fast. It isn't that easy, you won't have the job immediately. First you'll pass through a test'' <<linkappend 'period."' t8n>> "Sorry a what?" ''"It's an amount of time in which we'll see if your suit for the job, if not, you're out just as your old boss, the difference is we can kick you out at any time without paying you a dollar.'' [[Clear?|Ascended]]"<</linkappend>><</linkappend>>

''"This test period will last for 3 months so you better do it well."'' "And...How much am I gonna be payed now?" <<linkreplace "Next">> ''"Oh Yeah, I forgot about that. You'll get a 50% raise, how much do you get payed right'' <<linkappend 'now?"' t8n>> "2100$ after tax." //"Let me see... Then, your new salary would be 3150$ a month"// <<linkappend "ARE YOU SERIOUS?!" t8n>> ''"Of course I am, and if you manage to make it through the test period you'll gain twice that amount."'' "Then, if tomorrow is <<linkappend 'payday..."' t8n>> ''"Not so fast, you proved me anything yet. Tomorrow you'll pick up your usual salary as always and next month we'll meet to evaluate your performance."'' ''"Now what are you waiting for, go out there and show me you're worth the money."'' [["Yes Sir."|Higher Pay]]<</linkappend>><</linkappend>><</linkappend>><</linkreplace>>

You went out of his office still processing everything that was going on. Imagine all the stuff you could do with twice the amount of <<linkappend "money." t8n>> Now you will certainly have enough money to pay your bills and save in your account. Or you could buy yourself a car just as your old <<linkappend "boss. " t8n>> However, this was no longer a game anymore. You would need to work harder than before to make it through the test period. [[Go to Work|Afraid]]<</linkappend>><</linkappend>>

So, you started to spend entire nights at work just to show your new boss you were working <<linkappend "hard." t8n>> Whatever social life you had left before had extinguished completely and you even stopped visiting your parents on <<linkappend "Sundays." t8n>> Today you return home at 7am after a long night at work, the only thing that kept you motivated is that it was finally your first [[payday|Payment]].<<move_day 28>><<account 0>><</linkappend>><</linkappend>>

As it was the end of your first month in the charge, your boss called you into his office for evaluating your performance. <<linkreplace "Go in" t8n>> ''"Oh, $player.name. I wasn't expecting you so early, I saw you leave not so long ago. Well, actually I have to say that isn't the only thing that I got wrong about'' <<linkappend 'you."' t8n>> ''"I'm pleased with your performance during the last month and for that reason I was about to deposit your payment into your account."'' <<linkappend "Really!?">> ''"Yeah, now take the day off. You've proved to be worth the money."'' <<set $player.salary to 3150>><<account $player.salary>><<set $player.paydays += 1>> [[Leave|Chapter 3]] <</linkappend>><</linkappend>><</linkreplace>>

After leaving the first thing you did was check your bank account and it was true. Now that number had gone up and it was time to celebrate. You met with Alvaro at a cafeteria to tell him and he seemed as shocked as you were with the <<linkappend "sum." t8n>> //"WHAT? Is it that much more?"// <<timed 2s t8n>>"Yes, and it'll be just during my test period. Then, I'll gain twice what I used to gain. We must celbrate" <<next>>//"Sorry... but I can't. I got to [[go.|Spending]]"//<</timed>><</linkappend>>

So you went to the store and told the storeman to show you some <<linkappend "models." t8n>> Pick your car: [img[images/Ch3/car_white.jpg][Decided]] [img[images/Ch3/car_red.jpg][Decided]] [img[images/Ch3/car_grey.jpg][Decided]] <</linkappend>>

So, after spending all the night looking on multiple websites. You found the one that you liked the <<linkappend "most." t8n>> There's just one problem <img src="images/Ch3/appartment.jpg" alt="nice appartment" width="100%"> <<set $apartment to {Name: "New Apartment", Description: "Ready to move, just constructed. On sale", Cost: "$120'000", Area: "100m^^2^^"}>> <table><<printUni $apartment>></table> You could never afford to pay that amount of [[money.|Hope]]<</linkappend>>

You started calculating to see whether with your next month paycheck you'd be able to pay for that amount, but still you were far from getting close to it. Anyway, that weekend you decided to go and take a <<linkappend "look." t8n>><<move_day 7>>Then, as you stare at the building, you noticed a man was looking at you. //"Are you interested in the //<<linkappend 'apartment?"' t8n>> "Well yeah but I could never afford it, it's way too expensive. Why do you <<linkappend 'ask?"' t8n>> //"Because I'm the owner of it. Have you tried to get a //[[mortgage?|Mortgage]]" <</linkappend>><</linkappend>><</linkappend>>

//"Yeah, you can borrow money from the bank by asking them for a loan. In exchange, you pay them some // <<linkappend "interest." t8n>> "And how am I supposed to pay them back?" //"You do it every month in little amounts for all the loan// <<linkappend 'length."' t8n>> "But what if I forget to pay?" //"Then, you'll be hit with a penalty so be careful as they can get pretty big."// "Thanks I'll be [[back|Car Loan]]" <</linkappend>><</linkappend>>

!!Chapter 3: !!![[Getting in Debt|Jelous]]

The next day you went to the bank and waited to be called to ask them for that <<linkappend "loan." t8n>><<move_day 0>> //"Hello, how may I help you?"// <<timed 2s t8n>>"The thing is, I wanted to buy a car but I don't have all the money right now. So, I wondered whether I could get a Loan?" <<next 3s>>//"Of course, do you have an account at the bank?"// <<next>><<linkappend '"Yes"' t8n>> //"Just tell me your name and lastname so I can look for your information."// <<linkappend '"$player.name ..."' t8n>> //"Here you're. Hmm... no credit history. So this would be your first loan right?"// <<linkappend '"Yes"' t8n>> //"And how much money do you need?"// [["20k"|Loan Options]]<</linkappend>><</linkappend>><</linkappend>><</timed>><</linkappend>>

<<nobr>> <<set $yearloan to new Loan("BCHP", "1600", "11%", "12")>> <<set $twoyearloan to new Loan("BCHP", "820", "8.5%", "24")>> <<set $threeyearloan to new Loan("BCHP", "600", "10%", "36")>><</nobr>> [[Help|Loan Terminology]] Then, these are the options I can offer to you: <table><<printUni $yearloan>></table>[[I want this|Down Payment][$player.loan to $yearloan]] <table><<printUni $twoyearloan>></table>[[I want this|Down Payment][$player.loan to $twoyearloan]] <table><<printUni $threeyearloan>></table>[[I want this|Down Payment][$player.loan to $threeyearloan]]

//"Perfect we're almost done. <<addLoan $player $monthlyPayment>> All that's left to do is to give me the down-payment and that'll be it."// <<linkreplace "Sorry?" t8n>> "I thought I would pay you every month from now, not starting today!" //"That's right. But when you ask for a loan in this case for a car, you have to pay a certain amount at the beggining so we can be sure you can pay the following months."// <<linkappend "And how much is that?" t8n>> //"In this case it would be 20% of the total or 2.000 dollars"// "Fine, you can take it from my [[account.|New car]]" <<set $monthlyPayment to parseInt($player.loan.Monthly_Payment)>><</linkappend>><</linkreplace>>

<<account 1150>>So after paying the 2000$, you headed to the store to buy your car once and for <<linkappend "all." t8n>> "Sir. I've got the money." //"Perfect, now just sign the deal and you'll be getting your car by next //[[week.|The Next Week]]"<</linkappend>>

<<move_day 7>>The next week you woke up and called the salesman from the number he gave <<linkappend "you." t8n>> <<timed 2s t8n>>>>//"Hello?"// <<next>>"Hi I'm $player.name. I came last week to buy a car and you told me that..." <<next>>//"Yes, $player.name. It has just arrived, you can come here to pick it [[up.|Ready]]"//<</timed>><</linkappend>>

Moments later you went outside of the store where it was there waiting for you to drive <<linkappend "it." t8n>> //"Just sign here to confirm you have received your car and that'd be it."// <<linkreplace "Sign" t8n>>"So, now can I try //<<linkappend 'it?"' t8n>> "Of course you can, it's all yours you can do whatever you want with it."// [[Try it out|One month later]] <</linkappend>><</linkreplace>><</linkappend>>

<<nobr>><<set $expenses.Car_Loan to $player.loan.Monthly_Payment>><<set $expenses.Car_Expenses to $expenses.Transport>><<set $expenses.Transport to 0>><<addLoan $player $monthlyPayment>><</nobr>> The following days you continued to drive your car everywhere you could. The times when you used to take public transport seem long ago and now you no longer belong to that <<linkappend "world." t8n>> <<account 0>><<move_day 21>><<reduceMonth $player>> But not everything was as nice as you thought. This month you quickly ran out of money after paying for your car's down payment and the loan wasn't as cheap as it <<linkappend "seemed." t8n>> So, you had to borrow money from Alvaro to pay for most of your [[expenses.|No save][$expenses.Alvaro_Loan to 2000]] <</linkappend>><</linkappend>>

As you were on your way to work. You stopped on a shop with an ATM to check that your paycheck had already been deposited into your <<linkappend "account." t8n>> After that was ok, you took your phone out to call Alvaro, but realized it had run out of [[battery.|Rental difficulties]]<</linkappend>>

"You can't kick me out just like that?!" //"Actually, I //<<linkappend 'can."' t8n>> //"Remember that I'm your landlord, that place you live in is still mine."// "But why would you do <<linkappend "that?" t8n>> //"You know, I've just found somewhere else to put my money in. Buying a house can be a good investment. And I want to get rid of the ones that have lost value recently, even better if it's at a good price."// "So you actually gain money from buying <<linkappend 'houses?"' t8n>> //"Of course, who do you think you pay rent to? Now, I would reccomend you to start packing."// [[Cut call|Buying a House]] <</linkappend>><</linkappend>><</linkappend>>

So after cutting the call from your phone you went to your bedroom which turns out was never yours and started thinking what to do <<linkappend "next..." t8n>> "I can rent somewhere else but they could also kick me at any moment. Wait, what if I buy an apartment, he said something about it being a good <<linkappend 'investment."' t8n>> "Maybe with that money I'll be able to finally save some." [[Why not?|Looking on the Internet]] <</linkappend>><</linkappend>>

"Mortgage??" //"Yeah it's a type of loan bank offer to people who want to buy a house but don't have the money. Which is the case most of the// <<linkappend 'times."' t8n>> "Are they gonna give me that amount of money?" //"Yeah, then you can pay them back just as a normal loan. But, in this case people usually take 20 or even 30 years to fully pay their mortgage."// [[Go to Bank|Into the office]]" <</linkappend>>

The place was empty so you didn't have to wait this <<linkappend "time." t8n>> When they called you, you saw it was the same guy from the last time. <<timed 2s t8n>>"Hello, I come to ask for a loan". <<next>>//"Yes $player.name. Just give me a sec. <<next>>And how much do you want to borrow this time?"// <<next>>"Not that much, like <<linkappend '100k."' t8n>> //"Wow, so what are you gonna do with that amount of money?"// "I'm buying a [[house|Mortgage options]]" <</linkappend>><</timed>><</linkappend>>

//"Then, if that's the case these are the options we can offer to //<<linkappend 'you:"' t8n>> <<nobr>> <<set $tenyearmortgage to new Mortgage("BCHP","950","3.5%","10")>> <<set $twentyyearmortgage to new Mortgage("BCHP","640","2.5%","20")>> <<set $thirtyyearmortgage to new Mortgage("BCHP","400","3%","30")>> <</nobr>> [[Help|Loan Terminology]] <table><<printUni $tenyearmortgage>></table>[[10y Mortgage|Still expensive]] <table><<printUni $twentyyearmortgage>></table>[[20y Mortgage|Still expensive]] <table><<printUni $thirtyyearmortgage>></table>[[30y Mortgage|Still expensive]]<</linkappend>>

"Ok then if that's it..." //"Wait you've still got to give us the down payment"// <<linkreplace "Really?" t8n>>"Do I also have to give you 20% for a loan THIS BIG?" <<timed 2s t8n>>//"Nobody ever said buying a house would be cheap. <<next>>In this case it would be $24'000."// <<next>>"But I don't have that amount of money, I thought it would be a small amount like when I bought the [[car!|Down]]"<</timed>> <</linkreplace>>

That day you left early from work and spent the night at a local bar with your <<linkappend "workmate." t8n>> The following days went similarly, while your boss was abroad you were the king of the office and could do whatever you <<account 0>><<linkappend "wanted." t8n>> Tomorrow he returns form his trip so tonight you decided to stay late at the bar to celebrate.<<move_day 16>> [[Next|Late to Work]]<</linkappend>><</linkappend>>

You wake up feeling exhausted as you arrived home by 5am last night. The sun was shining and then, you realize it's 10 am and you're late for work. <<linkreplace "Get Ready" t8n>>You cannot believe it happened to you this day that your boss returned from his <<linkappend "trip." t8n>> Then, you remembered that Alvaro wasn't with you yesterday and what he said to you before leaving to the bar. <<timed 3s t8n>>//"Don't worry about work, if you arrive late I'll cover //<<linkappend 'you."' t8n>> So you drove calmly to work thanks to your [[friend.|Betrayed]] <</linkappend>><</timed>> <</linkappend>><</linkreplace>>

Once arrived to your workplace, you headed immediatelly to see your boss. You asked Alvaro about him and turns out he was also looking for <<linkappend "you." t8n>> "Really? No, I've got no clue of why he would want me." <<timed 2s t8n>>Then, someone called you from behind. <<next 1s>>''"$player.name, to my office [[NOW|Confused]]."'' <</timed>><</linkappend>>

You followed your boss wanting to say something but the expression on his face discouraged you from doing <<linkappend "so." t8n>> ''"We've got to talk"'' <<timed 2s t8n>>"About what?" <<next 1s>>''"What have you been doing these days?"'' <<next 2s>>"Working of course, what else could I be doing?" <<next>>''"Really? Because someone told me differently, that you've been leaving early and arriving late to work just as'' [[today.|Fired]]" <</timed>><</linkappend>>

''"I have to admit you really convinced me at first. But after seeing that the second I leave, you will start to behave that way, I don't think you're suit for <<linkappend "promotion." t8n>> In fact I don't think you should continue working here"'' How does he <<linkappend "know...?" t8n>> ''"Thankfully Alvaro told me before your test period was over or I would have had to compensate you."'' "Wait <<linkappend 'whom?"' t8n>> ''"YOU ARE [[FIRED!!|Chapter 4]]"'' <</linkappend>> <</linkappend>><</linkappend>>

!!Chapter 4: !!![[Breakdown|No work]]<<fired "fired">>

You left what used to be your workplace still confused about what had just <<linkappend "happened." t8n>> Until you saw your workmate going into the office shaking hands with your boss probably about to be promoted. [[Leave|No house]]<</linkappend>>

You headed to your appartment and then you realized that without the money from your payday loan you wouldn't be able to afford to buy the <<linkappend "apartment" t8n>>. Then, as you arrived you realized your current apartment wouldn't be yours for long and you had until today to find somewhere else to live. [[Go inside|Missed calls]] <</linkappend>>

You checked your phone while waiting for the lift and noticed your landlord had been calling you all <<linkappend "day." t8n>> After you arrived to your floor, you saw your stuff lying in front of the closed door of what used to be your apartment. <<linkreplace "Open it" t8n>> You tried to use the key you've been using all this time but it didn't work, he had changed the handle. Then you noticed a [[post-it|Post-It]] on top of one box. <</linkreplace>> <</linkappend>>

Dear $player.name, I've got to tell you, that from all the tenants I've ever had. You've been arguably the worst. Anyway, now that I've nicely packed all your stuff for you, its time to leave. Sincerly, [[Your Landlord|Move somewhere else]]

After putting all your stuff inside your car you looked at the building you had been leaving since you left college and wondered what to do <<linkappend "next. " t8n>> No job meant no more paychecks, without money you won't survive for long so you had to look for a job <<linkappend "quickly." t8n>> But, you couldn't do that on the street so you first had to find somewhere to <<linkappend "live." t8n>> Your parents wouldn't be so happy to have you live with them after months that you've stopped visiting them, there was no choice left but to rent somewhere [[else.|rent somewhere else]]<</linkappend>><</linkappend>><</linkappend>>

You went to your local cafeteria as it had free wifi, and started to look on the internet for apartments. But this time your hopes were much lower than they were before. <<linkreplace "Search" t8n>> In the end you decided for one close to where you used to live and that you could afford to pay. <img src="images/Ch4/old_apartment_building.jpg" alt="old appartment" width="100%"> <<nobr>> <table> <tr> <td> Rent: </td> <td> $500 </td> </tr> </table> <</nobr>> <<linkreplace "Next" t8n>> Perfect, now you have somewhere to sleep, however it won't last for long unless you find a job. [[Job Interviews][$expenses.Rent to 500]] <</linkreplace>><</linkreplace>>

So you started to look for job offers in the internet and called some of your friends from college, asking them whether knew somewhere they were hiring someone like <<linkappend "you." t8n>> In the end you managed to get some interviews, however all jobs you applied to require you to have a commentary from your previous employer. [[Ask them|Ask him]] [[Go to interview without it|Received review]] <</linkappend>>

After sending a bunch of emails to your old boss and ex-workmates and not getting replied, you decided to call Alvaro. Hopefully he'll give you a good commentary after all he's done to <<linkappend "you." t8n>> <<timed 2s>>//"Hello?"// <<next>>"Hi! It's me $player.name." <<next>>//"Oh, what happened?"// <<next>>"I'm applying to a job and they ask me a reference from my previous job." <<next>>"So I wondered whether..." <<next>>//"Yeah sure don't worry. I'll do it"// <<next>>"Really?" <<next>>//"Of course"// <<next>>[["Thanks"|Received review][$reference to 1]] <</timed>><</linkappend>>

<<move_day 16>>The next day <<if $reference is 1>>you went inside the building feeling <<linkappend "nervous." t8n>> That morning you had checked your email impatiently to find that you had finally received the commentary from your previous <<linkappend "job." t8n>> Then, you immediately printed it as you were getting late to your first interview of the day, and headed there on your car.<</linkappend>><</linkappend>> <<else>>you woke up early and got ready for your first interview of the <<linkappend "day." t8n>> While you were waiting to be called, you saw the people around you putting in order all their papers and then, you remembered you didn't have the reccomendation and wondered whether that would make any difference.<</linkappend>><</if>> <<timed 5s t8n>>"$player.name, please come inside." [[Go in|Interviewed]] <</timed>>

As you entered you saw a suited guy telling you to sit down in the same place the last person had been. <<timed 3s t8n>>//"Hello, can you give me your papers <<linkappend 'please?"' t8n>> //"Have you got any reccomendation from your past jobs?"// <<timed 3s t8n>><<nobr>> <<if $reference is 1>> "Yes, It's right [[here|Surprise]]" <<else>> "No I [[don't|After Interview]]" <</if>><</nobr>><</timed>><</linkappend>> <</timed>>

You spent the whole day going to interviews for different jobs, but most of them went just like the first <<linkappend "one." t8n>> They seemed interested until they found out you had no reccomendation from your previous job which is worse than not having worked at <<linkappend "all." t8n>><<move_day 21>> And that way you spent the following days as the end of the month came [[closer.|Panic]] <</linkappend>><</linkappend>>

You gave him the one page documment and noticed he was taking more than you expected to go through it. <<timed 3s t8n>>//"Thank you for your time, we'll contact you if you're chosen."// <<linkreplace "Leave" t8n>> You shook your head with surprise about what had just happened and as he gave you back your "reccomendation", you gave it a quick read and noticed something was wrong. [[Read|Bad Recommend]] <</linkreplace>> <</timed>>

You started reading through the document as you left the building. Instead of praising you, it talked about everything wrong you've done at <<linkappend "work." t8n>> There was no way you'll show that in your following interviews or it will inmediately disqualify you as it did on this job. [[Next|After Interview]] <</linkappend>>

<<move_day 28>>As all mornings since you left your old job, today you sit on the local cafeteria (as you find it more comfortable than your new apartment). And start looking for jobs on your laptop until you remember that today the month ends once <<linkappend "again." t8n>> So, you check your account excited but after seeing the number you remember that this month you won't receive your <<linkappend "paycheck." t8n>> Once there, you started to check your email and see all the messages from the bank and the bills as you should've payed them by now. <<timed 3s t8n>>There was no way you could pay for all your expenses and stuff without your salary. <<next 2s>>You had to find a new job with urgency. <<next>>And then, your phone started to [[ring.|Chapter 5]] <</timed>><</linkappend>><</linkappend>>

When it was your turn to pay you gave the lady at the checkout your credit card as <<linkappend "always." t8n>> However this time it didn't work. <<timed 2s t8n>> Instead a weird message appeared at the <<linkappend "POS." t8n>> "Insufficient funds" <<timed 2s t8n>>"What is that supposed to mean? <<next 2s>>I thought that card took money from the bank, how can it have insufficient [[funds?|No more credit]]<</timed>><</linkappend>><</timed>><</linkappend>>

After trying a few more times you had to leave all the stuff you had bought and that night you headed to bank to complain about what had just <<linkappend "happened." t8n>> //"Hello Sir. How may I help you?"// <<timed 2s t8n>>"Yeah the thing is I was buying some groceries and when I tried to pay for them with my credit card it said.." <<next 3s>>//"Insufficient Funds //<<linkappend 'right?"' t8n>> "Yeah, do you know why did that happen? <<timed 2s t8n>> Isn't it supposed to work with the bank's money?" <<next 2s>>//"The thing is you're given a limit according to your credit. You can't spend further than that unless you pay it [[first.|Interest]]"//<</timed>><</linkappend>><</timed>><</linkappend>>

After hearing that you decided to leave the bank and go home to think what to do next. However the guy from the bank continued: <<timed 1s t8n>>//"One more thing //<<linkappend 'Sir"' t8n>> //"You've got until next week to pay for that [[credit.|bye car]]"//<</linkappend>><</timed>>

"But I thought that...?" <<timed 1s t8n>>//"Listen, the deal works like this. <<next 2s>>As long as you pay on time it's ok, but if you don't, <<next>>then high interest will be applied to all of that // <<linkappend "credit." t8n>> "And what happens if I still can't pay for that?" <<timed 2s t8n>>//"Then we'll procede to go after your goods"// <<next>>//"Which in your case would be... <<next>>your// <<linkappend 'car."' t8n>> "SORRY?? YOU CAN'T DO THAT CAN YOU?" <<timed 2s t8n>>//"Of course we can. Remember where that money came from in first [[place|Higher Pay again]]."//<</timed>><</linkappend>><</timed>><</linkappend>><</timed>>

!!Chapter 5: !!![[A light at the end of the road|Rich]]

It was one of your old high-school friends you called when looking for jobs. Maybe he found you a spot? <<linkreplace "Answer" t8n>> "Hello..." <<timed 1s t8n>>//"$player.name, I forgot to tell you about it. Remember our physics teacher back at HS? <<next 3s>>He's freaking rich now, he even has his own company so he may give you a job as he was always fond of// <<linkappend 'you."' t8n>> "Really? How was him called by the way?" <<timed 2s t8n>>//"Mike Wilson"// <<next>>"Have you got his number or something like that?" <<next>>//"No sorry that's all I know."// <<next>>[["Ok thanks"|Mike]]<</timed>><</linkappend>><</timed>><</linkreplace>>

You ended the call and quickly googled his name not to forget later as you barely remembered him back from <<linkappend "high-school." t8n>> Turns out he quit teaching and now runs his own business that gives companies financial advise. Not bad, and there's even a number from his office. [[Call|Airport Trip]] <</linkappend>>

Once inside, you checked the panel to look for his flight and quickly found the only one coming from <<linkappend "South Africa." t8n>> It had just arrived so he should be coming in a few minutes. The huge crowd would make it impossible to find a guy you barely remembered from a photo on the <<linkappend "internet." t8n>> So, you decided to write his name on a piece of cardboard you found on the trash and [[wait.|Found him]] <</linkappend>><</linkappend>>

The minutes started to pass and no sign of Mike, you were about to give up when you noticed a man on a suit looking around for his <<linkappend "name." t8n>> "Mr.Wilson, teacher over here" <<timed 2s t8n>>//"Where? Oh, $player.name what a coincidence are you my taxi? <<next>>"No I'm not, I just wanted to ask you something" <<next>>//"I'm sorry but if you're not then I can't, I've got a meeting in twenty minutes and I can't find the taxi I'd ordered! <<next>>"I could take you if you want?" <<next>>//"Are you sure?"// <<next>>[[Yes why not|No job]] <</timed>><</linkappend>>

So you both went to your car on what turned out to be a rainy afternoon, and after spending some time in silence he said to <<linkappend "you." t8n>> //"Thank you so much, and by the way. What was that you wanted to ask me about?"// <<timed 3s t8n>>"Oh nothing I just wanted to talk. <<next 2s>>But now that you mention it, I had been looking for a job recently so I wondered whether..." <<next 3s>>//"Sure, we're hiring at my company, just send your CV like the others."// <<next>>"The thing is I'm in a little of a problem so I need that money now." <<next>>//"And why is [[that?|Lesson]]"//<</timed>> <</linkappend>>

So you explained him what had happened and how nobody would hire you and you had no savings to live <<linkappend "from." t8n>> //"I'm sorry, but I can't give you a job.// <<timed 2s t8n>>"At least can you reccomend me somewhere else?" <<next>>//"I could, but that wouldn't fix your problem."// <<next>>[["And what is exactly my problem?"|No foundation]]<</timed>> <</linkappend>>

<<timed 1s t8n>>//"Judging by what you've told me, you're trying to become rich without the proper foundation."// <<next 2s>>"So, can you teach me how to become rich please?" <<next>>//"Sorry but I can't"// <<next 1s>>"And why is that?" <<next>>//"Because you don't know [[why.|Why]]"//<</timed>>

<<timed 1s t8n>>"To buy expensive stuff and live a luxurious life I guess." <<next 3s>>//"Wrong, think about it better. Why would you want all that stuff in the first place?"// <<next 4s>>"Well, to be someone important and not have to take orders from anyone." <<next>>//"That's not exactly what you've told me you did while working."// <<next>>"Yes but if I don't work, how am I supposed to gain money?" <<next 3s>>//"That's not what I'm trying to say. I want you to realize why you want to have money or be [[important.|Happy]]"//<</timed>>

<<timed 1s t8n>>"I don't know, isn't that our goal in life?" <<next>>//"No it's not. Tell me what's your real objective in life, the reason why you want to become rich, and then I'll give you the job."// <<next 4s>>Then as he finished you turned around to see, you had just [[arrived.|enigma]]<</timed>>

<<timed 1s t8n>>//"Thank you again but I gotta leave, here's my number. Text me once you think you've got the answer, <<next 2s>>I'll let you know if you're right."// <<next>>"Wait and how am I supposed to know..." <<next 1s>> But, he had already [[left.|desesperate]]<</timed>>

Trying not to be positive, you went to the cafe once again and started to think about it when you <<linkappend "realized." t8n>> "Why am I thinking so hard about it? I could just look it on google." So you <<linkappend "did." t8n>> <<textbox "_search" "What's the goal of Life?">> <<repeat 2s>><<if _search is "What's the goal of Life?">>[[Search|Random answers]]<<stop>><</if>><</repeat>><</linkappend>><</linkappend>>

So you started searching and texting the result to Mike through the number he gave to <<linkappend "you." t8n>> "Is it to reproduce??..." <<timed 5s t8n>>As there was no reply you continued to try. <<next 3s>>After a few more ignored answers you noticed he started to <<linkappend "write." t8n>> //"You're looking on the internet, that's cheating. I want you to find it out by yourself. <<timed 3s t8n>>You've got one last attempt and I'll no longer answer, so you better be [[honest.|Dad]]"//<</timed>><</linkappend>><</timed>><</linkappend>>

After that he said no more and left the <<linkappend "conversation." t8n>> With that, you had finally gave up and at that moment you realized that the sun had already gone and that the cafeteria was about to <<linkappend "close." t8n>> So, as you left the place you checked your phone for any messages from Mike and noticed a notification. <<timed 3s t8n>>"RIGHT, How could I possibly forget. <<next>>Today it's my dad's birthday!" <<next 2s>>"I must go there now it may still not be [[late|Street]]"<</timed>><</linkappend>><</linkappend>>

You abandoned all your plans of sleeping and inmediatelly headed to your old house. Which was way closer than you <<linkappend "remembered." t8n>> Once there, you were about to knock the door but something stopped you from doing <<linkappend "it." t8n>> You realize that it hadn't been so long ago since you entered through those doors, and yet it seemed as an eternity. [[Knock|Inside]]<</linkappend>><</linkappend>>

After you knocked the door, a shadow started going towards you until it opened. It was your mom who judging by her expression had been waiting for you to <<linkappend "arrive." t8n>> "I'm so sorry, I forgot..." <<timed 1s t8n>>//"It doesn't matter, at least you're here. He spent a great day, let's end it that //<<linkappend 'way."' t8n>> She took you to the dining hall when a voice you recognized came from the kitchen. <<timed 2s t8n>>''"Who's there?"'' <<next>>"Me dad, happy birthday. I'm so s..." <<next>>But you couldn't finish, he was already over you and all of a sudden you had realized [[it.|The truth]]<</timed>><</linkappend>><</timed>><</linkappend>>

<<timed 2s t8n>><div style="text-align:center">Why do we want to be free?</div> <<next>><div style="text-align:center">Why do we have families?</div> <<next>>"To feel happy. That's the answer I've been looking <<linkappend 'for."' t8n>> You didn't know why but that hug you received from your dad had said enough. It was that sensation the only thing that could possibly matter in [[life.|Chapter 6]]<</linkappend>><</timed>>

!!Chapter 6: !!![[The Lesson Beggins|Right]]<<move_day 1>>

You drove home calmly and slept as you hadn't done in <<linkappend "months." t8n>> The sun had already arisen as you open your eyes and remembered what had happened the day before. <<timed 2s t8n>>"Right, the <<linkappend 'answer!"' t8n>> You picked your phone and wrote those three words in the chatbox: <<textbox "_search" "to be happy???">> <<timed 3s t8n>>Minutes later you received a call. <<next 2s>>//"Meet me at 5pm in my office"// <<next>>And then silence once [[again.|Office]]<</timed>><</linkappend>><</timed>><</linkappend>>

You saw your phone to check the time once again. <<timed 2s t8n>>5:00pm "He should arrive soon" <<next>>"But, what if he <<linkappend 'forgot?"' t8n>> You were waiting impatiently at Mike's office when the door behind you opened. <<timed 3s t8n>>//"To be happy. Did you found it by yourself this time?"// <<next>>"Yes I did" <<next 2s>>//"[[Why?|No right answers]]"//<</timed>><</linkappend>><</timed>>

So you told him how you had found that answer. <<timed 2s t8n>>"Is it right?" <<next>>//"The truth is there's no single purpose in life."// <<next>>//"Each of us must discover theirs and I needed you to know yours before you started working for me."// <<next 3s>>"And why is that [[important?|Fisherman]]"<</timed>>

Well let me explain it to you with an <<linkappend "story." t8n>> Once upon a time, there was a fisherman who sat by the sea selling his fish for a <<linkappend "living." t8n>> One day a business man came to him and impressed with the size of his fish asked him: <<timed 3s t8n>>''"How long did it take you to catch those fish?"'' <<next 2s>>"Not so long" he <<linkappend "said." t8n>> ''"Then why didn't you stay for longer?"'' <<timed 2s t8n>>"Because this is enough to feed my whole family" <<next>>''"And what do you do for the rest of the [[day?|Fisherman 1.5]]"''<</timed>><</linkappend>><</timed>><</linkappend>><</linkappend>>

<<timed 1s t8n>>//"From now on you'll need to spend more time fishing and try to catch as many fish as possible. <<next 3s>>Once you have saved enough money, you can buy more boats and catch even more fish until you build your company that employes hundreds of people."// <<next 5s>>"And after that?" <<next 2s>>//"Then, you can finally retire, rest, and spend time with your family and your friends."// <<next 3s>>"But isn't that what I'm doing right [[now?|Lesson 1]]"<</timed>>

After that he stopped talking like if he wanted you to completely understand what he meant. <<timed 3s t8n>>"And how is that gonna help me become rich?" <<next>>//"Many people seek to attain great wealth, but on their way they lose sight of their true goal in life and once they become rich they feel empty."// <<next 5s>>"Ok...<<next 1s>>And why is that important to me?" <<next 2s>>//"Tell me, why did you worked so hard at that job?"// <<next>>"To get promoted and gain more money so I can become rich." <<next>>//"When you got promoted, did that made you happy?"// <<next>>"Well, at first it did but, after some time it felt the same." <<next 3s>>//"And are you happy now?"// <<next 1s>>"Allright I get your point. But then, am I not supposed to [[work?|Not Work]]"<</timed>>

<<timed 1s t8n>>//"Don't misunderstand me, you should work but not the way you're doing it now."// <<next 3s>>"What do you mean?" <<next 1s>>//"You're working just to gain money like most people do."// <<next 2s>>"Yes, I thought that the harder you work the more money you'd gain." <<next 3s>>//"The truth is rich people don't get rich by working, if you continue to exchange your time for money you'll never become a millionaire."// <<next 4s>>//"Think about it, there's just not enough time."// <<next 2s>>"Then, what's the point of working." <<next>>//"Instead of seeing work as a way to gain money, rich people do it to learn."// <<next>>//"Haven't you wondered why most of them don't ever go to [[university?|Learn]]"//<</timed>>

<<timed 1s t8n>>"I don't know, aren't they prodigies or something like that?" <<next 3s>>//"Most times they're not, they just know that just as you can learn in a classroom, you can also do it by doing the actual job."// <<next 4s>>"So is going to university a waste of time?" <<next 2s>>//"Not at all, actually if you can afford to do it you should as you'll be able to meet lots of new people and aside from learning."// <<next 4s>>//"The problem is people think that you can only learn at university."// <<next 3s>>"I'm lost, weren't we talking about work?" <<next 2s>>//"Yes, the thing is rich people don't work somewhere just because of the paycheck or a salary raise as they know that in the end it doesn't [[matter.|work others]]"//<</timed>>

<<timed 1s t8n>>"Why is that? Isn't having more money the whole point?" <<next 2s>>//"Tell me, what happened after your salary increased?"// <<next>>"Well, as I had more money I decided to buy this car and go out more often, I was about to buy a house too." <<next 3s>>//"In the end, did you actually had more [[money?|doubts]]"//<</timed>>

Then, his phone started to ring so he answered inmediatelly. <<timed 2s t8n>>//"I've got to go."// <<next 1s>>"Wait, but what about the job, did I get it?" <<next 2s>>//"Oh right. Then, I want you here tomorrow at seven am, and don't be [[late.|Think]]"//<<fired>><</timed>>

The Next Day you woke up early to dress up well for your new<<move_day 3>> <<linkappend "job." t8n>> You didn't know what you were gonna do or how much you'll be payed, but anyway it's better than nothing. <<timed 3s t8n>>Or that was what you [[thought.|Assistant]]<</timed>><</linkappend>>

!!Chapter 8: !!![[The Final Challenge|The Challenge]]

<<timed 1s t8n>>"Sorry what's that supposed to mean?" <<next 2s>>//"A budget is an approximation of how much you plan to earn and spend in some time in the future.<<next 3s>> That way you won't spend more than what you can afford."// <<next 2s>>"And how am I supposed to do <<linkappend 'that?"' t8n>> Mike grabbed a piece of paper and drew a vertical line in the middle of it <<timed 3s t8n>>//"First, lets start by deciding a period of time to budget for. <<next 2s>>Let's say we're planning for this month. <<next>>On the left we put what you expect to earn during that time, here go your income and assets."// <<next 3s>>"So, in my case it would be my salary right?" <<next 2s>>//"Yes. <<next 1s>>On the right we put what we spend or our expenses and liabilities."// <<next 2s>>"And how am I supposed to know how much am I going to spend in the [[future?|Credit Breakdown]]"<</timed>><</linkappend>><</timed>>

Congratulations, you've just graduated! But who're you? TO:<<textbox "$player.name" "Your name">> [[Next|Job Offer]]

After the ceremony was over and you were about to go and celebrate with your friends, someone called you from behind. <<timed 3s t8n>>//"$player.name, //<<linkappend 'congratulations."' t8n>> It was your old boss from the job you did your internship in. <<timed 2s t8n>> //"We were pleased with your job and we'd like to hire you. <<next 3s>>What do you say?"// <<nobr>> <table> <tr> <td> Starting Salary: </td> <td> $3000 </td> </tr> </table> <</nobr>> [[Accept|Friend Hired]]<</timed>><</linkappend>><</timed>>

<<move_day 0>>So, the next day you called Alvaro <<timed 2s t8n>>"How did you open your account?" <<next>>//"At a bank as everyone else,<<next 1s>> haven't you got one?" <<next>>"No I don't, could you take me to that place so I can create mine?" <<next 3s>>//"Fine, I'll let you know when I'm [[there.|Arrive at the bank]]"//<</timed>>

//"A savings account is simply an agreement with the bank in which you trust them your money and in exchange they pay you some// <<linkappend 'interest."' t8n>> "What do you mean by interest?" //"It's a percentage of your deposit that we give you for keeping your money// <<linkappend 'there."' t8n>> "But, can I take my money if I want to?" //"Yes, you can deposit and withdraw money from your account at any moment, that's why the interest isn't that big of a //[[deal.|IR]]"<</linkappend>><</linkappend>>

"And just how much will the interest be in my account?" //"It would have about 1% annual interest."// "And is that <<linkappend 'good?"' t8n>> //"Well it depends on you. What this means is that if you deposit 1000$ dollars in your account today, in one year you'll have the same amount plus one percent which is in this case 1000 plus about 10 dollars.// "So, will I have to wait a year to see interest applied to my [[account?|Interests]]"<</linkappend>>

//"Nop, in fact it gains interest every minute or so nowadays that computers do that stuff."// "But didn't you said it was <<linkappend 'annually?"' t8n>> //"Yes but that's the overall. At the end of the year it wil have about 1% more."// "I still don't get <<linkappend 'it"' t8n>> //"Let's say that your account gains 12% annual interest, that means that every month it gains 1% for 12 months. The same thing happens with your account but instead of 12%, we divide 1% over the whole year."// "Ok, but isn't that too <<linkappend 'little?"' t8n>> //"Yes. But, as I said it depends on the amount. The more you put into your account the more interest it'll gain that's why save [[money.|Save]]"//<</linkappend>><</linkappend>><</linkappend>>

After that you exited the bank having set up your new account where you'll be transfered your salary every month. "So if what he said was true, I could gain money by just saving as much as I <<linkappend 'can."' t8n>> //"Yep that's right"// Said Alvaro who had been hearing the <<linkappend 'conversation.' t8n>> //"I would reccomend you not to carry much money in your pocket, but instead leave most of it in your account."// "Why is <<linkappend 'that?"' t8n>> //"Because you may get stolen. And if it is not in your account it'll no longer gain interest."// So, you agreed to deposit your salary as soon as possible into your account and then, you both [[left.|Groceries]]<</linkappend>><</linkappend>><</linkappend>>

<<payday $player>>Anyway, you wake up as always but, when you were about to leave your <<linkappend "apartment." t8n>> You remember that today begins the last month of your test period, which means this is your last payday before having your full manager's <<linkappend "salary." t8n>> With that sum you would certainly be able to pay Alvaro back and save at the same <<linkappend "time." t8n>> But for now you should focus on paying him back. [[Collect paycheck|No battery]]<</linkappend>><</linkappend>><</linkappend>>

You entered to his office and noticed it was deserted, you waited a few minutes but still nobody appeared. <<timed 3s t8n>>//"Hello, $player.name. Ready for your first day?"// <<next 2s>>"Well, yeah. And what am I gonna do anyway?" <<next>>//"You're gonna be my assistant, six days a week you must be available whenever I need you."// <<next 3s>>"And how's that gonna help me become rich?" <<next 2s>>//"Look, while you work for me, you'll also learn how to manage money from me as this, is what I do. Any [[doubts?|Little Pay]]"//<</timed>>

<<timed 1s t8n>>"Yes, how much am I gonna be payed for that job?" <<next 2s>>//"500$ a month. <<next 1s>>But, as I know that you've got bills to pay for, today will be your first payday."//<<set $player.salary to 500>><<payday $player>> <<next 3s>>"SORRY? <<next 1s>>I mean thanks but, that's not even half of what I earned in my last job!" <<next 2s>>//"Do you prefer to be unemployed? <<next 2s>>That's what I thought now, let's get [[started.|Not Enough]]"//<</timed>> <<nobr>> <<set _rent to { Rent: 500, }>> <<set $credit to $expenses>> <<set $credit.Rent to 0>> <<set $expenses to _rent>> <</nobr>>

That day and for the rest of the week you attended multiple meetings with your new <<linkappend "boss." t8n>> It would be an interesting job if it wasn't for the fact that you had to wait ouside while he was treating with <<linkappend "clients." t8n>> Instead of learning about money all you did was bring his coffee and pick up his stuff from his office when he forgot. <<timed 3s t8n>>Worst of all, you quickly found out $500 weren't enough to pay for your <<linkappend "expenses." t8n>> You decided to use that money to pay rent as you didn't want to get kicked out once again.<<account 0>><<addLoan $player $monthlyPayment>> <<timed 3s t8n>>But after that you had no money left in your account, you were starting to feel increasilly worried about it when one day you received a [[call.|Credit cards]]<</timed>><</linkappend>><</timed>><</linkappend>><</linkappend>>

<<timed 1s t8n>>"Hello.." <<next>>//"Good Evening Sir. We call you from your bank, we would like to offer you our new credit card as we noticed you do not have one."// <<next 3s>>"But I already have a card, you gave it to me when I opened my account." <<next>>//"No Sir. that's a debit card, it holds ''your'' money."// <<next 2s>>//"What I'm offering you is one which allows you to borrow money from the bank and use it to pay for your expenses."// <<next 4s>>"But isn't that like asking for a [[loan?|No interest]]<</timed>>

With that card you'd be able to pay for all your expenses despite having such a small <<linkappend "salary." t8n>> So, you inmediately answered to the phone: <<timed 1s t8n>>"I want it", <<next>>and went to the [[bank.|Credit Card acquired]]<</timed>><</linkappend>>

You happily returned to your little apartment from the bank pleased with your new <<linkappend "discovery." t8n>> But, as you lay on your bed, what bodered you now was the fact that tomorrow, <<timed 3s t8n>>you'll have to go to work and continue doing the same boring stuff for Mike which didn't put you any closer to becoming rich. <<next 4s>>So, the following day, you decided to go into his office and make him keep his [[word.|Better Pay]]<</timed>><</linkappend>>

<<timed 1s t8n>>"No because you haven't teached me anything." <<next 2s>>//"Well, if that's what you want you can have it, from now on I'll pay you 1000$ a month."// <<next 3s>>//"But, do not expect me to teach you anything else."// [[Take it]] or [[Leave it][$amount to 2000]]<</timed>>

<<timed 1s t8n>>"What is it??" <<next 2s>>//"They know how to differentiate between an asset and a liability."// <<next 3s>>"Sorry? What do those words mean?" <<next 2s>>//"An asset is simply, anything that puts money into your pocket."// <<next 3s>>//"And a liability is the opposite, anything that takes money from your pocket."// <<next>>"And what do you mean by differentiating between them? To me, the difference seems pretty obvious." <<next 4s>>//"Sometimes it's not, a single thing can be either depending on what you do with [[it.|House example]]"// <</timed>>

Then, as you arrived into his office you continued asking him about it. <<timed 3s t8n>>//"Yes, but that doesn't mean you can't buy them, rich people do it all the time as you see. <<next 4s>>You must remember why you wanted to become rich in the first place."// <<next 3s>>"So, what's the difference between a rich person who does it and someone else." <<next 4s>>The difference is when they do it."// <<next 2s>>"What do you mean?" <<next>>//"Middle class often save up money to buy liabilities without having acquiered any assets. <<next 4s>>Rich people instead start by buying assets so with the money they produce they can buy their cars and expensive //<<linkappend 'stuff."'>> So, after you finished talking you started to work doing the same stuff as the other [[days.|Maxed Credit]]<</linkappend>><</timed>>

<<timed 1s t8n>>//"No it's not"// <<next 2s>>"Why if it gives me money?" <<next>>//"Yes, but it only does it as long as you keep working."// <<next 3s>>//"Assets give you money automatically without you having to work for it."// <<next>>//"Take your apartment for example, you have to pay your landlord rent no matter what and he doesn't need to work for it."// <<next 4s>>//"That, makes it an asset to him"// <<next 2s>>"Then, what's my salary?<<next>> Because it doesn't take money from my pocket [[either.|Income & Expenses]]"<</timed>>

While you were waiting inline to receive his order you started thinking on what he said: <<timed 2s t8n>>"If it is that simple, then I just have to buy assets and get rid off my liabilities. <<next 3s>>But, which are [[they?|Sort out minigame]]"<</timed>>

When you arrived home you grabbed a piece of paper and made a list of all the things that gave you money and where you spent it last month to decide whether it was an Asset, Liability, Income or <<linkappend "Expense:" t8n>> Drag and Drop each item into the cathegory they fit the best. <<click_and_drop_first $allExpenses>> <<reveal_link_first>><</linkappend>>

!!Chapter 7: !!![[Putting it into practice|Get rich]]

You couldn't believe that you actually had no assets and a ton of liabilities. <<timed 3s t8n>>But, then you thought: <<next 2s>>"Rich people often buy expensive stuff that don't make them any money. <<next 3s>>So, how can it be true that they only buy assets if they seem to have lots of <<linkappend 'liabilities?"' t8n>> You decided to ask Mike about it the next [[day|Luxurious Stuff]]<</linkappend>><</timed>>

<<move_day 2>>The next day as you went to work, you noticed that there was a ferrari parked in front of the <<linkappend "building." t8n>> Then, you saw Mike's walking by so you decided to ask him about it. <<timed 3s t8n>>"Do you know who's that car parked in front of the office?" <<next>>//"Hi, $player.name. Yes, it's mine I've just bought it, do you like it?"// <<next>>"Yes I do, but it should've costed you a lot. Why did you buy it?" <<next>>//"Because I like it and it makes me happy."// <<next>>"But didn't you say that to become rich we have to avoid buying [[liabilites?|Assets buy liabilities]]"<</timed>><</linkappend>>

It was lunch time so you went to buy something from the grocery store for you and your boss to <<linkappend "eat." t8n>> While on the line you started to think about what he said to you that morning. <<timed 2s t8n>>It was good to know that you didn't have to get rid off your liabilities to become rich. <<next 3s>>Now seemed as a good moment to start buying some assets and increasing your fortune,<<next 2s>> or at least that was what you [[thought.|Insufficient funds]]<</timed>><</linkappend>>

You went home and started to think. <<timed 2s t8n>>"I could pay it off by asking for a loan. How big can the debt be anyway?" <<next>>So, you checked your credit in your phone. <<next>><<show>>What?? How did I spend all that <<linkappend "money?" t8n>> You realized there was no way you'll be able to pay for it, with your current salary at [[least.|Raise]]<</linkappend>><</timed>>

<<move_day 3>>The next day you went to work, determined to ask Mike for it. <<timed 3s t8n>>"I want a raise." <<next 2s>>//"Again? What happened this time? I thought we had a //<<linkappend 'deal."' t8n>> So you told him what had happened and how unless you pay your credit they're gonna take your car. <<timed 4s t8n>>//"And why didn't you payed your credit on time?"// <<next 2s>>"How was I supposed to do it with such a small salary? I used the credit card to cover the rest of my expenses. <<next 4s>>Anyway, would that have made any difference?" <<next 2s>>//"Of course, as now interest has been applied to your credit and you've got way more to pay than what you actually [[spent.|Plan]]"//<</timed>><</linkappend>><</timed>>

<<timed 1s t8n>>"So what am I supposed to do now?" <<next 2s>>//"I think it's clear. You've got to cut on some of your expenses to get out of your deficit."// <<next 3s>>"What do you mean?" <<next 2s>>//"The problem is you spend more than what you earn, that's called a deficit. <<next 3s>>To get out of it you got to earn more money or spend less."// <<next 2s>>"And why can't you pay me more?" <<next>>//"Because it wouldn't change anything."// <<next>>"Why?" <<next 1s>>//"Because I'd happen just as last time when you got promoted. <<next 2s>>As you earned more you also spent in more stuff which put you into a deficit once again."// <<next 3s>>"And how can I avoid doing that?" <<next 2s>>//"Using a [[budget|Budgeting]]"//<</timed>>

You went home and grabbed a piece of paper and tried to do the same sketch Mike did at work. <<timed 3s t8n>>Then, you put your income and your expenses on either side using what Mike taught <<linkappend "you." t8n>> (Drag and Drop each according to the cathegory they best fit in) <<reveal_link_second $allExpenses>> <<clickable_options $allExpenses>> <<monthly_budget>> <</linkappend>><</timed>>

<<timed 1s t8n>>//"You can use what you spent last month as a starting point. <<next 2s>>People often keep track of their expenses using a notebook or their phones."// <<next>>"But if I haven't done that?" <<next>>//"You can see all the movements you did last month in your account including your payments and expenses."// <<next 4s>>"But I didn't pay for those things from my account, my salary wasn't enough. <<next 3s>>For most of it I used my credit card." <<next 2s>>//"Then, you should also be able to access those in your credit breakdown."// <<next 3s>>"Really? And where can I see that?" <<next 2s>>//"You can ask for it at the bank, but it's much easier to do it from the app. Let me show [[you.|Money goes]]"//<</timed>>

<<timed 1s t8n>>//"Because that way if our balance is greater than zero, we'll know that we'll have enough money to pay for our expenses that month."// <<next 4s>>"And what if it's less than zero?" <<next 2s>>//"That means that you spend more than what you earn, which means you're on a deficit where you'll depend on debt to pay for your stuff like in your case."// <<next 5s>>"And what can I do to get out of there?" <<next 2s>>//"You can look for ways of earning some extra money, or reduce certain expenses you don't really need. <<next 4s>>That's what I want you to do once you get home after filling your budget. <<next 2s>>Change your expenses until what you spend is the same as what you [[earn.|Budget sketch]]"//<</timed>>

<<nobr>> <<credit_divs $credit>> <</nobr>>So you opened your app and when seeing your credit you found out there was an option to see more. <<timed 4s t8n>>//"Great!, now to that info you just have to add in the expenses you payed from your account which you pay with your salary, and you'll have your budget ready to go."// <<next 5s>>"I don't understand, where do I put all this information?" <<next 2s>>//"You'll have to organize it, let me show you an example of a [[budget.|T]]"// <</timed>>

The next day at Mike's office you went furious of he having you waste your time. <<timed 2s t8n>> //"$player.name, did you do what I told you?"// <<next 2s>>"Yes I did" <<next>> //"And how did it go?"// <<next>>"It's useless, there's no way I could live with that little salary you gave pay me. <<next 3s>>Even less pay for my credit to keep my car from the bank." <<next>> //"You're right."// <<next 2s>>"What do you mean?" <<next>> //"I knew from the start that what I pay you isn't enough. <<next 3s>>I expected you would get into debt, now I want you to apply what you've learnt to get out of [[it.|Solution]]"//<</timed>>

<<timed 1s t8n>>"How can that help me to keep my car?" <<next 2s>>//"If you manage to do it then, I'll give you the chance to work with me."// <<next 3s>>"But haven't I've been working with you all this time?" <<next 2s>>//"Bringing me coffee, winning 500$ a month? <<next>>That's not work, I've been preparing you all along for this moment. <<next 3s>>It's time to show me that you've learnt making the correct [[decision.|Final]]"//<</timed>>

//"Right, so in which cathegory does your car fit in?"// [[ASSET|Try Again][$again to "car"]] or <<linkappend "LIABILITY" t8n>> //"Then, what you should do with it now that you are planning to become rich?"// [[KEEP IT|Try Again][$again to "get rid"]] or <<linkappend "GET RID OF IT" t8n>> //"So, what're you waiting for? That car is ruining your [[life.|Reflection]]"//<</linkappend>><</linkappend>>

So, you agreed to sell your car and with the money you managed to pay all your credit and be able to use your credit card once again. <<timed 4s t8n>>//"That's much better, but remember that despite not having the car anymore, you still have to pay for //<<linkappend 'it."' t8n>> "What do you mean?" <<timed 2s t8n>>//"You still haven't payed for the loan you took from the bank. <<next 3s>>Which I have to say wasn't the best but I can't blame you as your credit at that moment pretty bad."// <<next 4s>>"Why do you say that?" <<next 2s>>//"When banks lend you money, they decide the interest they'll charge you depending on how likely are you to pay them back."// <<next 4s>>"And why was my credit bad at that moment?" <<next 2s>>//"Because as it was your first loan, the bank had no way of knowing how good of a payer you were. <<next 3s>>I hope that this time you can choose [[better.|Renegotiate Loan]]"//<</timed>><</linkappend>><</timed>>

<<set $number to 1>><<set _remaining to 962>> Remaining: $<span id="remaining_final_budget">_remaining</span> <<numberpool "$number">> * <label><<checkbox "_rent" 0 500 checked>> Rent $500</label> * <label><<checkbox "_bills" 0 400 checked>> Bills $400</label> * <label><<checkbox "_carLoan" 0 138 checked>> Car Loan $138</label> Groceries:<<numberslider "_groceries" 0 0 1320 10>> Clothes:<<numberslider "_clothes" 0 0 1320 10>> Entertainment:<<numberslider "_entertainment" 0 0 1320 10>> Transport:<<numberslider "_transport" 0 0 1320 10>> Saving:<<numberslider "_saving" 0 0 1320 10>> <<onchange>> <<set _expenses to _groceries + _clothes + _entertainment + _transport + _saving + _rent + _bills + _carLoan>> <<set _remaining to 2000 - _expenses>> <<replace "#remaining_final_budget">><<print _remaining>><</replace>> <</numberpool>> <<checkzero>>

You've won "REAL LIFE"

You were so excited because of your new job and turns out Alvaro, a friend of yours with whom you did your internship with, also got hired as well. <<timed 5s t8n>>//"Then, we'll become rich together //<<linkappend '$player.name!"' t8n>> You celebrated till dawn and spent a great night together with the rest of your friends from [[college.|Out of the Nest]] <</linkappend>><</timed>>

<<show "account">>She helped you download the app and put your data. After that, she gave you your phone back so you could see your balance. "Sorry Ma'am, I think there must be a mistake" //"Why is //<<linkappend 'that?"' t8n>> "Because where my balance its supposed to appear all it says is ''0''." //"Let me see... No it's right. You can even see where you have spent all your money over the last month if you click the icon below."// "So, that means I didn't manage to save [[anything?|Dissapointed]]"<</linkappend>>

He weirdely left from the table leaving you alone and to pay the <<linkappend "bill." t8n>> Anyway you decided to celebrate on your own, and you could think of no better way of doing so. <<linkreplace "Next" t8n>> You were tired of having to take public transport to work. Also, your employees couldn't see their boss arriving by bus. You know what you have to do. [[Buy a Car|Buying a Car]] <</linkreplace>><</linkappend>>

So you left the bank feeling down as even with a manager's salary you didn't have enough to buy a house. "If only I managed to save any <<linkappend 'money"' t8n>><<move_day 9>> As you went to work you met Alvaro at the entrance, and when he saw you down he asked you. //"$player.name, what happened why are you like [[that?|Payday Loan]]"// <</linkappend>>

You told him what had happened and how despite your efforts it seemed like always money wasn't <<linkappend "enough." t8n>> //"Why don't you try to get a payday loan?"// <<timed 2s t8n>>"What?" <<next 1s>>//"You can ask your boss to give you part or all your salary before payday. Then, when the month ends you simply are discounted that amount."// <<next 3s>>"And how would that help <<linkappend 'me?"' t8n>> //"Well, you say that with your current salary you just have enough to pay for your <<linkappend "expenses." t8n>> So, if at the end of this month you ask your boss to give you like two or three paychecks on advance then you can use all that money as down [[payment.|Doubting]]"//<</linkappend>><</linkappend>><</timed>><</linkappend>>

"I'm not sure, how am I supposed to pay for my expenses the next months if I already spent my salary for that time?" <<timed 2s t8n>>//"It doesn't matter, trust me. You can ask me to lend you money if you need to but what's important it's to buy the appartment."// <<next 3s>>"Well if you say so, and do you think my boss will actually give me that sum of money?" <<next>>//"Of course he will, he loves your work and thinks you're his best employee.// <<next>>"Does he really think that about me?" <<next 2s>>//"Yeah, you can ask him when he returns from his trip next week. Instead of worrying let's celebrate your new [[appartment.|Party]]"//<</timed>>

//"I think that now you're prepared to work for me."// "Am I?" //"And this time with a true salary, but first show me that you are capable of distributing that money."// "Do you mean by doing a budget?" //"Yes, remember there are certain expenses like rent that are fixed and stay the same most of the times. While others vary and for those is that we make [[budgets.|Sort out types of expenses]]"//

<<nobr>> <<set _remainingAmount to $monthlyPayment * 3>> <<set $BCHP to new Loan("BCHP", String(parseInt(1.065*(_remainingAmount /24))) , "6.5", "24")>> <<set $Interbanc to new Loan("Interbanc", String(parseInt(1.038*(_remainingAmount/12))), "3.8", "12")>> <<set $BBUVA to new Loan("BBUVA", String(parseInt(1.053*(_remainingAmount/12))), "5.3", "12")>> <</nobr>> <<if $temporal is 1>> Now, choose better. <<else>> So, he called some banks that he knew that would buy the remaining amount of your car loan which now was much lower than before at _remainingAmount$. <<timed 4s t8n>>//"Ok, here are their proposals. Use what you know about interest to pick the best one."// <</if>> <table><<printUni $BCHP>></table>[[Pick this|Commentary.months]] <table><<printUni $Interbanc>></table>[[Pick this|Success]] <table><<printUni $BBUVA>></table>[[Pick this|Commentary.interest]]

<<account 0>><<set $expenses.Transport -= 80>><<move_day 27>>Another month went by without you noticing and payday was tomorrow once <<linkappend "again." t8n>> So, you checked your account on your way to work and saw how despite you spent less on transport, there still was nothing left to save. It's time to ask your boss for that promotion. [[Go into his office|ManagerFired]]<</linkappend>>

<<goto "You Lose">>

The noise coming from the horns of taxis certainly wasn't the best way to start your day, but you managed to arrive early and spend little money in [[transport.|Chapter 1]].

The sound of the birds calmly woke you up before your alarm went off, living on the countryside seemed to be the perfect. But, once you arrived to the metro you realized how long it would take you and how much it would cost you to arrive to [[work.|Chapter 1]]

I don't think so. You may pay less every month, but that's because the loan is divided a longer length. In the end, due to the higher interest, you'll end up paying much more than if you chose one of the other options. [[Try Again|Renegotiate Loan][$temporal to 1]]

I don't think so. Once you've got the shortest loans look at their interest rates. When two loans last for the same amount of time, the lower their interest, the less additional money you'll have to pay to the bank. [[Try Again|Renegotiate Loan][$temporal to 1]]

The next day you met your friend at the entrance of your workplace. He asked you whether you had already deposited your money to your <<linkappend "account." t8n>> "I've tried to do it, but every time more and more payments start to pop up. How am I supposed to pay for all of that if I don't have any <<linkappend 'money?"' t8n>> //"There's no need to take the money from your account to pay for your stuff. That's why you have your debit card."// "Do you mean the rectangular thing they gave me at the <<linkappend 'bank?"'>> //"Yes, do you have it with you?"// "I think so is this what you <<linkappend 'mean?"' t8n>> <img src="images/Ch1/debit_card.jpg" width="100%" alt="ATM"> //"Yep, that holds the money in your account and allows you to use it to pay for stuff with// <<linkappend 'it."' t8n>> "So do I just give the man at the cashier the card and he'll charge the money to my account?"<<set _negative to -$player.pocket>><<changeBars $player _negative>><<move_day 1>> //"Yes, that's //[[all.|Deposit Salary]]"<</linkappend>><</linkappend>><</linkappend>><</linkappend>><</linkappend>>

So, after work, you went to the bank and deposited your salary to your account. To test your card you went to a restaurant and once you finished you asked the <<linkappend "waiter:" t8n>> "Could you bring me the bill?" //"Yes Sir. How would you like to// <<linkappend 'pay?"' t8n>> "Well, do you accept my debit card?" //"Let me see...Sure, but we charge a fee for// <<linkappend 'that."' t8n>> "What does that mean" //"That in your account you'll see that we have charged you 3% more than what you've actually <<linkappend 'consumed."' t8n>>// "Why is that?" //"Because to make the sell happen and take the money from your account. We use a device called POS that charges us for each transaction we make using it that's <<linkappend 'why."' t8n>>// "And what does P.O.S means?" //"Oh, it stands for Point Of Sale. Have a look at// <<linkappend 'it"' t8n>> <img src="images/Ch1/POS.jpg" width="100%" alt="POS"> [[Next|End of the Month]] <</linkappend>><</linkappend>><</linkappend>><</linkappend>><</linkappend>><</linkappend>>

The next day you picked up your paycheck as always and you started to learn about your new responsibilities as an <<linkappend "administrator." t8n>> You were so busy you didn't have time to tell Alvaro about what had happened the previous day. So that, night you called <<linkappend "him:" t8n>> //"Hi $player.name, I didn't saw you today at work. Also, do you know what happened to our //<<linkappend 'boss?"' t8n>> So, you told him what had happened when you went to his office yesterday. //"Did he promote you that //<<linkappend 'easily?"' t8n>> "Yes, he did. I still can't beleive it either." //"But you said he can fire you at any moment, aren't you afraid?"// "Well, kind of. Seems like I'll have to show him I'm worth staying in the [[position.|Working even Harder]]"<</linkappend>><</linkappend>><</linkappend>><</linkappend>><<account 2100>><<move_day 28>><<set $player.paydays += 1>>

Decide which of your monthly expenses are fixed and which are variable: (Click and drop each on the category they better fit in to)<<nobr>> <<set $expenses to { "Rent": 500, "Car_Down_Payment": 0, "Car_Loan": 139, "Car_Expenses": 0, "Transport": 250, "Bills": 400, "Groceries": 220, "Clothes": 200, "Entertainment": 150, }>> <</nobr>><<click_and_drop $expenses>> <<reveal_link>>

<<account 2000>><<set $number to 1>><<set _remaining to 1320>> Remaining: $<span id="remaining_final_budget">_remaining</span> <<numberpool "$number">> * <label><<checkbox "_rent" 0 500 checked>> Rent $500</label> * <label><<checkbox "_bills" 0 100 checked>> Bills $400</label> * <label><<checkbox "_carLoan" 0 80 checked>> Car Loan $138</label> Groceries:<<numberslider "_groceries" 0 0 _remaining 10>></span> Clothes:<<numberslider "_clothes" 0 0 1320 10>> Entertainment:<<numberslider "_entertainment" 0 0 1320 10>> Transport:<<numberslider "_transport" 0 0 1320 10>> Saving:<<numberslider "_saving" 0 0 1320 10>> <<onchange>> <<set _expenses to _groceries + _clothes + _entertainment + _transport + _saving>> <<set _remaining to 2000 - _expenses>> <<replace "#remaining_final_budget">>_remaining<</replace>> <</numberpool>> [[End|Congratulations]]

So both left to the bank and waited to be attended. <<timed 2s t8n>>//"Hello Sir. how may I help you?"// <<next>>"Hi, I would like to open an account." <<next>>//"Sure, you'll just need to fill this form and you're set to go."// <<next 3s>>"And how does this thing [[work?|Savings Account]]"<</timed>>

That day you left earlier than usual from work to pick up your new car form the <<linkappend "store." t8n>> "Hello Sir..." <<timed 1s t8n>>//"$player.name. Yes I've got the keys, I'll take you to see your new// [[car.|Drive]]"<</timed>> <</linkappend>>

When you arrived to your workplace you had so much to do that you completely forgot to pay Alvaro back and that your phone still didn't have <<linkappend "battery." t8n>> So, now that you were home the first thing you did was plug it in to apologize with him for having <<linkappend "forgot." t8n>> But when it turned on, you found out the guy from whom you're renting this place had been calling you. <<linkreplace "Call him" t8n>>"Hello" <<timed 2s t8n>>//Yes, $player.name. I've been trying to get in touch all day. <<next>>Nevermind, it's about the apartment. The thing is I've decided to sell it."// <<next>>"And why are you telling me this?" <<next>>//"Because the new owner doesn't want to rent it anymore. So, I'll need you to move by next week."// <<next>>[["SORRY?!"|Investment]]<</timed>><</linkreplace>><</linkappend>><</linkappend>>

Lender: The individual or entity that lends you the money Monthly Payment: The amount you have to pay every month. Months: The amount of months the loan lasts. Interest Rate: The money you pay to the lender for the loan which is expressed as the percentage of the amount lent charged in anually. <hr> <<linkappend "Example:" t8n>> You ask the bank to lend you 12'000$ for going on vacations. You choose to pay them back in 12 months at an interest rate of 10% anually. Because of that instead of paying them 1000$ each month you have to pay 55$ more every time which is the interest. <</linkappend>> <<return "That's better">>

Once there, after signing a few papers and filling some more documents with your info. Your credit card was ready to <<linkappend "go." t8n>> So that moment, while you were at the bank, you decided to pay for all your bills and loan to test your credit card. <<timed 4s t8n>>You were anxious to see whether it'd work <<next 3s>>and fortunately it did. <<reduceMonth $player>> <<next 2s>>Because of that you decided to celebrate your new [[discovery.|Angry]]<</timed>><</linkappend>>

<<timed 1s t8n>>"I want a raise." <<next 2s>>//"And why is that, I thought we had a deal?"// <<next>>"Yes, but ever since my first day you haven't taught me anything that helps me become rich."// <<next 3s>>//"Meanwhile, I have to do your dirty work all day to receive a miserable pay." <<next>>//"So that's what you want, a raise in your pay? Haven't you learnt [[anything?|Lessons]]"//<</timed>>

<<if $amount is 2000>>//"No? What about 2000$?"// [[Take it]] or [[Leave it][$amount to 4000]] <<else>>//"Last chance 4000$, that's certainly more than what you made in your last job."// [[Take it]] or <<linkappend "Leave it" t8n>> //"Why didn't you take it?"// <<timed 2s t8n>>"Because I still don't know how to become rich." <<next>>"If I plan to become one I'll need your help." <<next>>//"Nice, you've gained yourself your $500."// <<next 3s>> //"Now, I'll show you that I keep my word by teaching you the single thing that differentiates rich people from the [[rest.|Assets & Liabilities]]"//<<payday $player>><</timed>><</linkappend>><</if>>

<<if $again is "first">>//" Try doing it [[again|Final]]"// <<elseif $again is "car">>//"I don't think so, remember that assets put money in your pocket and liabilities take from it. For having a car you have to pay for the loan, oil and manteinance. Give it another [[try|Bye car]]"// <<else>>//"I know that you know the [[answer|Bye car]]"// <</if>>

//"Tell me, what do rich people buy first assets or liabilities?"// [[ASSETS|Try Again][$again to "first"]] or [[LIABILITIES|Bye car]]

"And what about this one?" //"That one, it's kinda old already but if you want."// <<linkappend "And how much does it cost?" t8n>> //"20k, the best price you'll ever get."// <<linkappend "Am I supposed to pay all of that right now?!" t8n>> //"Well yeah. But, if you don't have the money. Why haven't you asked for a loan or something?"// [[Sorry?|Loan Def]] <</linkappend>><</linkappend>>

<<timed 2s t8n>>//"Mike Wilson's office, how may I help you?"// Wow he even has a secretary, this guy is <<linkappend "amazing." t8n>> "Hello I'd like to schedule a meeting with Mr.Wilson, is it ok today..." <<timed 2s t8n>>//"Sorry Sir, but right now he's on a trip to South Africa."// <<next>>"When will he be back?" <<next>>//"His flight should arrive in a few hours, if you want I could..."// <<next>>You cutted the call and headed to the airport [[immediately.|Inside the Airport]]<</timed>> <</linkappend>><</timed>>

<<timed 1s t8n>>//"Take for example a house, if you buy it to live on it, then it's a liability."// <<next 3s>>"But why?" <<next 1s>>//"Because you have to pay for your mortgage, mantainance and repairs. All of that clearly takes money from your pocket."// <<next 4s>>"And how can it be an asset?" <<next 2s>>//"When you rent it to someone else or sell it at a higher price. Then, it'll put money into your pocket."// <<next 4s>>"How can I know for sure whether something is an asset or a liability?" <<next 3s>>//"If it overall puts money on your pocket it's an asset"// <<next 2s>>"So, my salary would be an asset [[right?|Salary]]"<</timed>>

<<timed 1s t8n>>"Well, I like to rest and spend time with my kids and friends" <<next 3s>>//"I have three companies and a master in business management. <<next 2s>>I think I could help you become a more succesful [[person.|Fisherman p2]]"//<</timed>>

<<timed 1s t8n>>//"Yes it is, but in a regular loan you must pay an interest to the lender for having you lent the money"// <<next 4s>>"So..." <<next 1s>>//"Here if you pay on time, you won't have to pay any interest at all. Just what you've spent that [[month.|Saved]]"//<</timed>>

<<timed 3s t8n>>//"No it does not, this type of money that depends on you doing something to obtain it is called income."// <<next 4s>>//"The same way not everything you spend money on is a liability.<<next 2s>> Just the ones that take money from your pocket automatically like mortgages or loans that you pay every month."// <<next 4s>>"And the rest of the stuff I spend on?" <<next 2s>>//"They're simply expenses that depend on you spending on them like going to the cinema or buying coffee at starbucks."// <<next 4s>>//"Talking about that, hope you're satisfied because we got work to do, <<next 2s>> I'd like some coffee [[please.|Chapter 7]]."//<</timed>>

<<monthly_budget>> <<linkreplace "Next" t8n>> "Right, so here I'll put what you've told me. <<timed 2s t8n>>All those income and expenses stuff right?" <<next>>//"Right, after that, we just add all of our them up to get our total spent and earned in that month which goes below as you see. <<next 4s>>Finally we substract them to get our balance."// <<next 2s>>"And why do we do [[that?|Deficit & Surplus]]"<</timed>><</linkreplace>>

But you found out there was a problem. How were you supposed to spend as much as you earn if your salary barely was enough to pay for your rent? And then you remembered, how is this gonna help me pay for my [[credit card?|Chapter 8]]