Money Race 2: Multiplayer Cheat-sheet

Here is my Money Race 2 Cheat-sheet to win multiplayer game:

• Pay off Credit Card (120% APR), Bank Loan (60+%), Car Credit (36+%) ASAP! 
• Buy rare 36+% ROI Business/Property now and 12+% ROI if you have cash 
• Ignore <12% ROI Busines/Property, mortgage and stock dividend for later
• Sell property that lost value.

Once you win your first single player race, you might want to try the multiplayer competition. There are several potential advantages when you do this:

1. Low difficulty level gives you profession with less monthly income and less debt. Less debt makes it easier to win. For example when you win a Lottery, the price is fixed to 150000 regardless of how little your debt is. This is unlikely, by if you got fired, you have less to lose and need only small bank loan to survive into the next payday. 
2. If you are out of spin, other player might gives you some FREE spins to keep you playing. So, you could basically play this game for FREE if you want to. 

Timing is very important in multiplayer game. Each player has three hours to complete five spins. And your total income and expenses is calculated only on Pay Day that happens after every fourth spin. So, try to pay off Credit Card, Bank Loan and Car Credit before the fourth spin.

Bankruptcy only happens on Pay Day. So each time, you need to know how many spins away you are from the pay day.  You can get this information by scrolling down the Stats page from the Advanced menu. In this case, you are on you 20th Turn. So, you have four spins into the next Pay Day.

You can think of one spin as one week. So, one Pay Day happens every four weeks or a month. My strategy is to keep buying as much as 12+% ROI property/business offers during my first three weeks. Then I pause, think and prepare for the important Pay Day:

1. My income is positive (I am not fired from my job and has not many expensive debt). If this is the case, I will try pay of Credit Card, Bank Loan and Car Credit if any. Otherwise I will try to buy 12+% ROI properties from the market if any.
2. If my income is negative, then I will try to sell some or all of my properties on the market. I also sell property if it lost its value. Worst case, I will try to get just enough loan from my bank to survive the next Pay day.

Note, I don't use the stock market. This is because it takes too much time to calculate ROI, buying and selling stock. The ROI of stock dividends is under 12% or worst most of the time, except in Level 1. There, the stock ROI can be as high as 21%. They are useful close to the end of a race, when you have so much money but no property to buy.