I’m going to give you a warning up front — this could get a little geeky.
But hey, we’re all money nerds anyway, so what’s a little geekiness to boot?
I’ve mentioned a few times how I like to play video games. I have a specific type of game I prefer: the ones where there’s a hero, an open world, and where both stealth and fighting are part of the success formula.
This means some of my past favorites have been the Batman Arkham series, Horizon Zero Dawn, and, more recently, Spider-man.
But by and far the series that I’ve enjoyed the most has been Assassin’s Creed.
It was while playing the latest game in the series, Assassin’s Creed Odyssey, that I realized I was using several money principles to help me do well.
As I considered this, I thought the reverse is true as well — that by playing the game and seeking to do well, you develop skills and principles that help in money management. These are what I want to share with you today.
Assassin’s Creed Overview
Many of you have probably never heard of Assassin’s Creed (AC), so let’s start off with a quick overview.
Here’s part of what Wikipedia has to say about it:
Assassin’s Creed is an action-adventure stealth video game franchise created by Patrice Désilets, Jade Raymond and Corey May, developed and published by Ubisoft using the game engine Anvil Next. It depicts in the centuries-old struggle, now and then, between the Assassins, who fight for peace with free will, and the Templars, who desire peace through control. The series features historical fiction, science fiction and characters, intertwined with real-world historical events and figures. For the majority of time players would control an Assassin in the past history, while they also play as Desmond Miles or an Assassin Initiate in the present day, who hunt down their Templar targets.
The video game series took inspiration from the novel Alamut by the Slovenian writer Vladimir Bartol, while building upon concepts from the Prince of Persia series. It begins with the self-titled game in 2007, and has featured eleven main games. The most recent released game is 2018’s Assassin’s Creed Odyssey.
Main games of Assassin’s Creed are set in an open world and presented from the third-person perspective where the protagonists take down targets using their combat and stealth skills with the exploitation of the environment. Freedom of exploration is given to the player the historical settings to finish main and side quests.
That’s the more “official” overview.
Here’s my version of what the series is about:
- You play a character who is generally good (no one is completely good) and is fighting evil of some sort.
- To progress you need to use a combination of stealth and fighting (including both long-range and melee weapons) to succeed. Many other games are simply all-out fights, but I like to, as my kids put it, “sneak around” and develop a strategy of how to take down 10 guys more powerful than I am.
- As you progress in the game, you acquire better skills and equipment (swords, bows, etc.) As such you begin the game barely able to do anything, progress to being “average” in mid-game, and by 3/4 of the way through you are generally so good that you’re ready to ride into a pack of 20 guys with no element of surprise.
- There’s an open world. This means you can follow the prescribed story line or you can simply roam around a huge world and complete missions (or whatever) to your liking. I’m a roamer. 😉
It’s fun for me because the game is a challenge, requires strategy, and you can see your progress over time. The graphics are generally very good. It’s basically a movie where you are the star as well as write the storyline.
My History with Assassin’s Creed
While the series started in 2007, my experience with it began much later.
As you might imagine, AC can be a bit violent.
Ok, it can be a lot violent. But when you’re fighting evil you have to do what you have to do, right?
Anyway, in 2007 we had a PlayStation (I think, perhaps we got it later) that was attached to our main TV.
The main TV was in our living room where all could see what was going on.
This included my then 10-year-old son and 8-year-old daughter. At this point we didn’t want them to see blood and gore. As such our choice of video games was quite tame.
In addition, my wife dislikes violence in anything — video games, movies, TV shows, etc. — and a game with a name that included “assassin” was a no-go for her before we even knew what the game was about.
So I watched at a distance as others played. I read about the series now and then and always came to the same conclusion: “I think I’d like this game.”
Fast forward to 2014 when the earth, moon, and stars aligned into the following:
- My wife was out of town. Translation: No objections to violence.
- The kids were with her. By this time they were old enough to see the game anyway, but there was always my wife’s objections.
- They were gone for a week. What would I do with all that free time?
- There happened to be a big sale on AC at GameStop. I went there looking for a game to play during the week and found they were offering the first three AC games for something like $20. How could I pass this up?
Combine all these and the answer was clear: my time had come!
I bought the three-pack and proceeded to spend the rest of the week slashing my way to victory.
While my wife wasn’t thrilled when she got home, the adventure continued to the other games that had been released and I hadn’t played.
I LOVED the series and played one after another.
Finally I caught up to their release schedule and played them all. 2015’s Assassin’s Creed Syndicate was the first in the series that I had the chance to pre-order.
Video Game Hero
Now what I am about to share will throw some of you for a loop. But bear in mind a few things:
- One reason we retire (or retire early) is to do more of what we like to do. And I like to play video games.
- The numbers below include BOTH me and my son (we share our PlayStation Plus account). He plays much more than I do (usually for hours at night with his friends) and he plays a wider variety of games than I do. I might play three or four games a year. That said, when I play them, I spend a lot of time with them since…I like to roam. 😉
- I’m not sure the numbers are accurate. It’s almost impossible to think the two of us racked up this many hours, so I’m wondering if other things are counted like when we use the PlayStation to watch movies.
With that said, I received an email from PlayStation detailing the use on our account.
The highlights included how many hours we played in 2018:
Yes, I realize that’s just under four hours a day. This is why I think they are using more than just video game time. More on this in a minute.
Here’s a shot of the time spent on the top three games:
As you can see, I held the #1 and #3 spots.
Adding in maybe 20 hours of FIFA, this would put me at 251 hours for the year. That means my son played 1,071 hours last year (1,322 less 251) which is just under three hours a day. I find that hard to believe, but I guess it could happen.
That said, because I am a tracker by nature, I record my hours playing each game (I like to know what sort of value I’m getting out of them). My records say I played 167 hours of AC Odyssey (I played once all the way through and then 3/4 of a second game) and 56 hours while playing through Spider-man 1.75 times. In other words, the PlayStation numbers are pretty close to what I had.
There was a good deal of free time for my son before he got his second job, so maybe these are only video game hours.
Finally, here are our hours by month:
I can see how the hours ramped up based on release schedules.
Anyway, you can see that we like our video games. And hopefully the numbers show that I’m more than a beginner on AC.
How AC Can Make You Wealthy
With that long preamble, let’s get to the heart of the post: what I (and everyone) can learn from AC that can make us wealthy.
As some of you might have guessed, I have it broken down into three simple steps:
1. You need to maximize your earnings.
In AC there are a couple of earning opportunities.
The first is money of some sort (called by different names in each game) that you can use to buy upgraded equipment (which makes you a better fighter).
The second is experience points (or some version of it) that you earn by completing activities successfully.
As you might imagine, there are various tasks, quests, side missions, and the like that allow you to earn different amounts of both money and experience.
If you’re looking to gain the most of each as fast as possible, you want to select projects that have the highest pay-to-time ratio.
For instance, you can check the experience point rewards quests before you agree to them. I would go to the message board in each area, look over the options, and pick the ones closest to me (I had to either run or ride my horse to them) that I knew I could complete quickly. I’d then select those, complete them, and rack up the points.
Of course you might not be playing to maximize income but for fun, but we’ll leave that aside for now.
How this relates to money…
Everyone has a fixed number of hours each day that they can use to grow their earnings. One relevant example is that instead of watching four hours of TV a night (or playing four hours of video games — ouch), you might want to:
- Take action to grow your career, which in turn could help you earn millions more over your lifetime. If you focus on specific, high-value skills, you can make this time as profitable as possible.
- Start and run a side hustle. This helps you in two ways: 1) it delivers more money now (helping you reach financial independence faster) and 2) because it’s something that you can take into retirement, it helps lower what you have to save for retirement, effectively helping you retire much quicker.
Of course no one wants their nose to the grindstone every second, so if you have four hours of free time a day, take a couple of them for projects that help you earn more (and if you “don’t have time”, here are some ideas for finding it). Simply making a bit of progress every day will add up to something very significant over time.
2. You need to save money.
During each AC game there are times you can buy something, but you’re probably better off saving that money/experience for something later.
A couple examples:
- I often had more than enough money to buy the a different weapon at my current level. But comparing it to what I had, there was only a slight difference in performance. I could see that if I saved just a bit more I could get a substantially better weapon at the next level. Thus I almost always saved my money and waited until I got to the next level to buy the better weapon.
- As you build experience in AC Odyssey, you level up. For each level increase you get one ability point. You can then cash in ability points for special skills and abilities. Early in the game, I almost always spent my ability points immediately as I needed all the help I could get to survive. But later on I could see that there were skills I wanted but that would cost more than one point, so I’d save them up to get something more valuable.
How this relates to money…
We’ve talked previously how saving is just as important as earning.
In fact, it might be more important since you can become wealthy at different levels of incomes if you can save, but if you can’t save, no level of income will make you wealthy (just look at all the athletes and actors who make millions and yet go broke).
In this way saving is the lynchpin that makes anyone wealthy.
3. You need to invest wisely.
The second time I played AC Odyssey (in this game you could play as a man or woman character, so I played the first game as the man and have gotten through 3/4 of the second as the woman) I knew that some skills were more valuable to me than others, even though they cost the same. So I would save my ability points and buy these skills versus “waste” them on others.
Said a different way, I would invest the money (or experience) I saved in a way that would help me earn more. Then I would do even better, make even more, invest the new amount well, and the cycle would repeat. In this way I had lots of fun progressing quickly through the game (for someone who roamed around a lot).
How this relates to money…
Just like I looked to invest my AC money/experience to get the most out of it, the same can be done in real life.
Of course you need to balance risk and reward in reality (versus going for it all in a game), which is why solid investments like index funds, dividend investing, and real estate with a good dose of time thrown in can help you earn more if done right.
These in turn churn off money and/or grow so you have more to invest, which in turn earns more, and so on. It’s how people become wealthy.
Even More to Learn
Those are the main three learnings which fit nicely into the ESI philosophy.
But there are other lessons the game teaches that apply to money. Some examples:
- There are enemies to avoid or conquer. In AC, these are guys trying to kill you. In money management, these are terrible money moves and listening to the “experts” who often don’t have your best interests in mind.
- Bad things happen but you live another day. In AC, you may die, but there’s always another life to live. 😉 With money, you need to follow the example of millionaires — they have made money mistakes but have also avoided death blows.
- A good partner makes a huge difference. In AC it’s a horse, boat, eagle, or friends you run into along the way. In money, it’s a spouse or partner. Pick a good one and stay together as divorces are expensive.
- Pick your style and master it. In AC, some like to fight by charging ahead regardless of the circumstances. I prefer to sneak around a bit, scope out the situation, develop a plan, and then take action. Turns out having a plan and putting it into action works for money too.
Those are my thoughts on how AC can help make anyone wealthy.
Anyone out there have something to add?
Any AC fans out there — or fans of video games in general? What do you learn from your games that can make you wealthy?
Ken@thehumblepenny says
Hey Man,
I’m no gamer but I LOVE movie and game sound tracks!
This one called Fight Club from AC III featuring Lorne Balfe is one of my favourites:
https://www.youtube.com/watch?v=1HE4OFoezVg
It has been responsible for writing some of my best content. Upbeat and positively winning focused.
ESI says
Haha! Very nice!
Here’s a favorite of mine from AC Black Flag:
https://www.youtube.com/watch?v=vGThECQmSpI
I used to sing it (with the game) while sailing and looking for adversaries to attack. 😉
Ken@thehumblepenny says
Hahaha, that was very cool! Strangely reminds me of an episode of Game of thrones.
Link says
This is an interesting post. I’ve played every Nintendo Legend of Zelda game since I got the first one in 1988 – and still playing them today. The way you describe AC – sounds like the concept is basically the same. Never thought of it as similar to the journey with personal finance, but it most certainly is – you start out with nothing and very little ability to do anything or acquire stuff, and only through perseverance do you gradually become more adept. The abilities compound upon themselves much like personal finance and compounding of interest. You have to push through a lot before you see the returns really start to come your way!
Xrayvsn says
I absolutely love it that you are a video game junkie (I would have never guessed).
Video games often get a bad rap but it there are definitely things you can pick up from them that don’t get often talked about (usually it’s just the bashing of video games because of violence).
I used to play a lot of video games growing up and in college. I would like to think I gained a lot of skills from video games that translated into my profession. I am really good with my hands and have great hand/eye coordination. When I was a general surgery resident (before I switched to radiology) people used to comment how good I was performing laparoscopic surgery which was just like a big video game to me.
Great concept of picking up financial tidbits from AC. And I agree divorce is VERY EXPENSIVE as I sadly found out.
Anthony says
Huge AC fan. Although I haven’t played in years – it’s one more motivation to get my savings rate another percent higher. Thanks for this post – I shared it with my son who graduates college this year – and is a big-time gamer (League of Legends).
Brian says
I would have never figured you for a gamer. I’m playing Spiderman now and love it. I tend to use my gaming as a reward. After completing all my other work, task, chores, etc. I’m free to use my time on games. It can be a time suck if you’re not careful.
ESI says
That’s why it’s great entertainment in retirement — no time suck to worry about! 🙂
Bert says
I’m now an old engineering manager who 20-years ago used to admonish my teenage son when I would find him playing Halo or Warcraft in his room at 3:00AM. He was absolutely hooked on fast-action video games and developed uncanny eye/hand coordination… more specifically video/screen-mouse coordination that put him at the top of any networked multiplayer venue he tried.
Fast forward 20 years… this 30-something adult is now the fastest and most technically proficient surgical resident at a major teaching hospital in minimally invasive laparoscopic surgical procedures! This job requires him to view a video monitor displaying the surgical field from a camera inserted into the patient and then manipulating remote grabbers, cutters, suturers, or whatever from hand controls at the side of the table.
How was I to know that those 3:00AM tirades were interfering with him mastering a critically important skill that his future profession would require? What a bad parent I was?!???!
Michael | Your Money Geek says
Money and Videos Games???…. 😉
I love It?
We often use video games to teach our children about money. Many games have in game economies and you can use them to teach children about saving money, and even the benefits of farming and adding value.
Grow some corn, multifruit, and tato’s and next thing you know you’re producing your own adhesive. (Fallout reference)
We even have used videos to teach the children how to be smarter shoppers. For example, buying new vs used, and rent vs. buy.
Lastly, video games are one of best values in entertainment going. One hundred seventy-eight hours of enjoyment out of a 60 dollar game, that a great deal!
ESI says
I know…very cost effective. 😉
Paul says
I love it. Not only are video games the cheapest entertainment in history (when measured by hour of entertainment 🙂 ), but they reinforce good traits for real life.
I would recommend Zelda Breath of the Wild. My wife, who has never before and will never again play videogames, was hooked on that for over a year. It hits all of the sweet spots you say you like. The kids loved it, but its broader appeal left me amazed. I haven’t started it because I don’t have the time to spare! But someday…
ESI says
I would love to try it but it doesn’t look like the game is available on PS4.
Paul says
Even if you sprang for the game and a new Nintendo Switch, I’d estimate your entertainment cost per hour would get below $0.10.
And since it’d be research for a blog post, that’s a business expense, right?
ESI says
Haha! I like the way you think!
PFI says
It sounds like we prefer the same type of games, though I usually get impatient with heavy stealth and just end up going brute force. I haven’t played AC since Black Flag, but now you’ve got me wanting to check out the newer ones.
I’ve always considered my gaming a “check out” time from thinking, but maybe I’ll have to start paying more attention…
The skill tree concept compared to investing is interesting. I definitely do research to figure out what the optimal path is for character development.
Interestingly, my wife often sits in the room and reads when I’m playing these because she likes the views and story of the series. I think I’ll avoid comparing her to a horse or eagle though.. 😉
Anthony says
This guy gets it!
ESI says
You have some great gaming ahead of you if you haven’t played since Black Flag!
Mike H says
I used to like video games in my twenties (Starcraft, Warcraft) and then I was playing a game called pet hotel on my wife’s iPhone from late 2011-2013.
Finally I gave all that up and turned the same focus to dividend growth investing. It’s way more fine than any other video game and you hit a new ‘high score” with each passing month, quarter and year.
Finally I found a hobby that pays me for doing it! You really need to try it ESI, after a year you will get hooked.
2019 dividend income will be above $106k so a very healthy growth over prior years.
I’m going into retirement or at least semi-retirement… we will see!
-Mike
ESI says
You know you’re going to have to write me a post about your retirement story, right? 😉
Kpeds says
I had to cold turkey playing Final Fantasy 14 a couple of years ago. It is an MMORPG. I averaged 3-4 hours a day for one particularly intense gaming month and at the end found that after spending all that time I had nothing of value to show for it. I definitively went over board and had to pull back for a bit. At times, it saddens me that I stopped playing. I really love MMOs but they are just too all encompassing.
A few months after I stopped playing I found FI, then I started blogging, then had a kid. Now I don’t have any time for gaming! 🙁 For now, I am committed to dedicating that gaming time to Baby Kpeds and writing. But when I have the time again I think a good action adventure RPG is where I can enjoy the adventure without my avatar absorbing my life!
John Wilson says
World of Warcraft taught my more about life, money and myself than any book/class/blog since. It began my search for financial freedom, gave me the understanding that my only limitation was myself/mindset and it gave me a confidence to achieve the life I wanted. I owe a lot of my success to a video game!
Penny Pinching Ninja says
I am a big gamer and recognize that playing video games can be a very frugal activity. In this sense it helps make me wealthy. The return for your buck is great when you can buy an older game for $10-$20 and get 40-50 hours of entertainment out of it.
Also a great way for an over thinker like myself to escape from everyday life for a while and decompress!
Joe says
After seeing this post I played an AC game I got for free during a Ubisoft promotion, UC3. I guess that these game attributes and strategies developed more with the later games in the series, because I found that getting more money, equipment or attributes was either not that helpful or not possible. Maybe I missed something but I think that the player’s abilities are pretty much the same throughout the game. You can unlock more equipment by finishing more missions and so on, but the equipment is not that important because the missions don’t usually focus on how well you use equipment but more on whether you can master the stealth and climbing/movement skills that you have from the beginning. But the open-world 18th century Boston and New York environments were fun to look around and I guess you can learn some bits of history from it if you can figure out which parts are nonfiction and which are either apocryphal or just totally made up for the purposes of the game’s story.