· Money Moves · Diversification
Diversify or Die: a free game about spreading risk
All your shops on one street? One closure and you're broke. Spread four plots, then face the shock.
What is Diversify or Die?
Three neighbourhoods of nine plots: shops, cafés, flats and offices. Pick four plots in each, then a shock hits one sector hard. Spread across sectors and the shock only dents your income.
Diversify or Die is a free money game about spreading risk. Three neighbourhoods, nine plots each, in four sectors: shops, cafés, flats and offices.
Pick four plots, then run the year: one sector takes a hard hit. Spread out and the shock only dents your income; bunch up and it can wipe it out.
At a glance
- Category
- Money Moves
- Difficulty
- Medium
- Play time
- 3–5 min
- Price
- Free, in your browser, sign-up optional
How to play
- Pick
- Four plots per neighbourhood, each with its sector and monthly income.
- Shock
- One sector loses most of its income. 60 per sector held, up to 160 more for income kept.
- Three levels
- Beginner, Intermediate or Expert, picked before you play: the content and the clock change, and each level keeps its own best score.
- Coins
- Example numbers in plain fictional coins, made up for the game. Not financial advice.
Scoring
60 per sector held, plus 160 if you keep 75% of your income after the shock (80 for 55%).
Three neighbourhoods per run.
What it trains
- Diversification
- Spreading across things that don't fail together.
- Risk sense
- Weighing income against what can go wrong.
Strategy and tips
- One of each
- Plots in different sectors rarely all have a bad year together.
- Mind the shiny sector
- The highest-income sector is tempting, and a single shock can take it all.
- Count what's kept
- A little less income that survives a shock beats a lot that vanishes.
Why play Diversify or Die?
Diversification is one of the oldest ideas in money: don't let one bad event decide everything. Seeing it on a small board makes it stick.
Frequently asked questions
Is Diversify or Die free?
Yes. It is free and runs in your browser, with no download. Signing up is optional.
Is this financial advice?
No. Every number is an example in fictional coins, made up for the game. It teaches the ideas; for real decisions, look at your own situation and local rules, or ask a qualified adviser.
Are there levels?
Yes: Beginner, Intermediate and Expert. The numbers, the hints and the clock change, and each level keeps its own best score.