Own a Home by 30 — Quarterly Simulator

Design your path: 8–12 years, quarterly turns, Malaysia‑realistic events, and a live Home Readiness Score.

Game Setup

Age at start

Years to simulate

Occupation & Starting Net Salary (per month)

Lifestyle Mode (affects inflation & events)

Target Property Price

Notes: Sole ownership, quarterly investments, 1–2 major events per year, 2 total financial scams, 2 crush events (one is a love scam), festival costs yearly.

Dashboard

Age: 22

Year: 1 / 10

Quarter: Q1

Salary: RM3,400

💵 Cash: RM0

🏠 Down Fund: RM0

🛡️ Emergency: RM0

📈 Investments: RM0

💳 Debts: RM0

🏥 Insurance: None

❤️ Health: 70%

😊 Morale: 50%

📚 Skills: 0

Home Readiness Score(25% - higher = closer to buying a home)

Based on: Down Fund savings, Debt level, Emergency Fund, Insurance status.

① INCOME

→

② EVENTS

→

③ YOUR TURN

→

④ END TURN

Each quarter: You receive money → Random events happen → You make decisions → Click "End Turn"

③ Quarter Actions — YOUR decisions this quarter

💡 These are YOUR choices. Click any button to take that action. Actions use your Cash and affect your Dashboard stats. You can take multiple actions per quarter before clicking "End Turn".

⭐ ALLOCATE YOUR CASH — Most Important Action!

Move money from your Cash into savings. Type amounts and click "Allocate".

🏠 For buying house:

🛡️ For emergencies:

📈 To grow wealth:

🏠 Ready to buy?

Need: Down Fund ≥ target, low debts

④ Done with decisions?

Advances 3 months. New income & events.

② Quarter Events — RANDOM life events this quarter

🎲 These happen TO you automatically. Some events cost money, some give money. Events with buttons let you choose (like investments). Events without buttons just happen.

Check the Game Log below to see what happened and how it affected your finances.