The first game I played was Reno’s Debt Dilemma. In the game, there were three ways Reno could play without having any money. They were work to play, borrow to play, and invest to play. When you work to play, you have to work for a certain amount of time to get one token. This would leave Reno with no debt because he worked for the token and then used it, so he has nothing to show for it. When you borrow to play, the Cheese Run gives you one token along with an interest. This means you have to pay back the price of the token you borrowed, one dollar, as well as the interest which in this case is one dollar. This would leave Reno with bad debt because he had to pay extra for the loan and still had nothing to show. When you invest to play, you borrow money to invest in a gumball machine. When the costumers buy a gumball, you get 25 cents. Some on the money you make has to be returned to Big Cheese Island because you borrowed money. This is called return of investment and can be used instead of working for money. The money you have after paying back your loan and one token, if profit. This is good debt because you invested in the gumball machine and had more money left over.
The second game I played was Jesse’s Big Change. In the game, Toki tells Jesse that he needs to build assets. An asset is something you invest in that keeps making you money even after you buy it and when you aren’t there. Assets can be more valuable in some places than others. You can tell where they will be most valuable by looking at the ROI or return of investment. This is what looks at how much money you invested in the asset and how much profit it will make for you. So the higher the return of investment, the better. Building assets helped Jesse make more money without having to do any work.
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