🎭 Aussie Money Survival — TEACHER EDITION (SECRET)

🎯 How to Run This Game

1️⃣Student opens student.html on their device. You use teacher.html only.
2️⃣Work through each week's scenarios. Student doesn't know hidden fees, traps, or scam info until they ask the right questions.
3️⃣Roleplay the character listed. Speak naturally — use Aussie accent, slang, and speed.
4️⃣Only reveal hidden info if the student asks directly and uses correct vocabulary.
5️⃣Trigger emergencies at any time using the button above to add realistic chaos.
6️⃣Grade student on: questions asked, decisions made, scams avoided, stress managed.

⭐ Scoring Guide (Teacher Use)

Action	Points
Asks about hidden fees unprompted	+15
Correctly identifies scam attempt	+25
Negotiates a better deal	+20
Uses correct banking vocabulary	+10
Falls for upsell without asking	-15
Gives personal info to scammer	-30
Pays without asking for receipt	-10
Goes over grocery budget	-10
Stays calm under pressure	+10
Uses natural Australian English	+5

🎭

Golden Rule: Only answer what the student explicitly asks. Don't volunteer hidden information. If they don't ask about fees — don't mention them. Real life doesn't warn you!

⚡

Difficulty modes: Easy = speak slowly, pause, repeat. Medium = normal speed, occasional slang. Hard = fast speech, interruptions, distractions, technical jargon, fake urgency.

⏱ Roleplay Timer

02:00

Set time pressure for each scenario

🏦

CHARACTER: Bank Worker

NAB / CBA / Westpac branch — scenario: opening an account

💰 The Three Account Options (Secret Info)

Account	Monthly Fee	Hidden Conditions	Overdraft Fee	ATM Fee	Upsell
Everyday Account You push this one	$8/month	Waived if you deposit $2,000+/month (student probably can't)	$15/event	$0 own ATM, $2.50 foreign	Linked credit card offer
Student Account Best for student	$0	Must prove student status. Requires student ID or enrolment letter.	$10/event	$0 own ATM, $0 partner ATMs	—
Basic Account	$0	No overdraft protection. No credit card. International fees high.	Card declined (no overdraft)	$2.00 all ATMs	—

🎭 Acting note: Lead with the Everyday Account first. Say it's "our most popular option." Only mention the Student Account if the student specifically asks about student options or says they're a student. Don't mention the fee waiver condition unless asked.

💳 Upsell Opportunity: Credit Card

After they open the account, say: "Would you like me to pre-approve you for a credit card with $2,000 limit? Great for emergencies!" — Push this gently. Don't mention interest rates (22.74% p.a.) unless asked.

🎤 Fast English Lines (use in Hard Mode)

You (fast): "Right so we've got the Everyday which is eight bucks a month waived if you're depositing two thou, orrr the Student but you need to prove enrolment, orr the Basic which is fee-free but no overdraft protection. Which one suits ya?"

💬 Interrupt move: Start talking about the credit card before they finish asking their question. See if they can redirect the conversation.

🔥 Hard Mode Situations

🪤Trap 1 — Jargon flood: Say "your BSB is six digits, account number eight digits, and we'll set you up with PayID, BPay, OSKO..." then wait. Do they ask what any of it means?
🪤Trap 2 — Fake urgency: "This offer on the credit card is only available today." (It isn't — if they ask, admit it, but pressure them first.)
🪤Trap 3 — Paperwork confusion: Hand them 3 forms. Tell them to "just sign where it says initial." Wait to see if they read it or ask what they're signing.
🪤Trap 4 — Phone distraction: "Sorry, one sec..." [pretend to take a call] then come back and ask "where were we?" — did they remember their question?

✅ What To Reveal (ONLY if asked directly)

✓Monthly fee exists: only if student asks "are there any fees?"
✓Student account free: only if student says "I'm a student" or asks "is there a student option?"
✓Overdraft fee: only if student asks "what happens if I spend too much?"
✓Credit card interest rate: only if student asks "what's the interest rate?"

📱

CHARACTER: Phone Company Staff

Optus / Telstra / Aldi Mobile store — SIM / phone plan

Plan	Price	Data	Calls	Hidden Trap	You Push
Plan A — "Starter"	$18/mo	8GB	Unlimited Aus	Data throttled to 1Mbps after 8GB (basically useless)	No
Plan B — "Popular" Push this one	$45/mo	30GB	Unlimited + Intl	$50 activation fee not mentioned. Auto-renews monthly but needs 30 days notice to cancel.	Yes — "best value!"
Plan C — "Budget PAYG" Best for student	$30/mo	15GB	Unlimited Aus	No contract. No lock-in. Recharge manually.	No

🎭 Always push Plan B. Say "most of our customers go with this one." Only mention Plan C if student asks about no-contract or cheap options. Never volunteer the activation fee.

"So today we've got this amazing deal — Plan B, thirty gigs, unlimited everything, international calls included, super popular, most people go with it, great value, only $45 a month — want to set that up today?"

📦 Upsell: Phone Insurance

"For $9 a month I can add accidental damage cover — if you crack the screen you're covered." (Don't mention the $100 excess fee unless asked.)

📱 Upsell: Device Payment Plan

"We also have the iPhone 15 on a 24-month repayment — only $89/month!" (Total cost: $2,136. Student probably can't afford this.)

🔥 Hard Mode Traps

🪤Speed read T&Cs: "Just need you to confirm you've read the terms and conditions." Point vaguely at 8-page document.
🪤Fake discount: "I can give you 20% off if you sign up today... but it's only the first month."
🪤International confusion: Say "international calls included" (it's international to only 10 countries, not theirs).

🏠

CHARACTER: Landlord / Property Agent

Share house lease signing — Week 1

🔐 Hidden Lease Conditions (Student Doesn't Know)

Condition	Impact	Reveal if...
Bond = 4 weeks rent ($1,060)	Due upfront — before moving in	Asked "how much is the bond?"
Rent increases 6 months in	+$20/week (7% increase, legally allowed)	Asked about rent review or increase
No pets clause	Fine if broken: $200	If relevant
Internet NOT included	Tenant must organise — $75–$90/month extra	Asked "what's included?"
Garden maintenance required	Tenant must mow lawn or risk bond deduction	Asked about responsibilities
2-week notice to vacate required	If they leave early: forfeit 2 weeks rent	Asked about leaving

🎭 Be friendly but businesslike. Rush through the lease verbally. Point to pages quickly. Say "standard stuff, most people just sign." Never mention the bond amount first — wait for them to ask.

"Yeah so it's standard 12-month lease, rent's $265 a week, bond's four weeks, inspection every 3 months, utilities not included, garden to be maintained, any questions?"

🔥 Difficult Landlord Scenarios

🪤Bond dispute: At end of game, say "I'm keeping part of the bond for cleaning." Does student know their rights? (RTBA holds bond in Victoria — landlord can't just keep it.)
🪤Rent increase pressure: "Everyone else in the area is paying $300. You're getting a deal."
🪤Repairs stall: "I'll get someone in to fix the heater next month." (It's winter. Student has rights to heating.)

👥

CHARACTER: Difficult Roommate

"Jordan" — bills avoider, socially awkward pressure

🎭 Be friendly on the surface but evasive about money. Use casual Aussie English. Act like you "forgot" about bills. Create social pressure by guilt-tripping.

🧾 Bills Jordan Refuses to Pay (Hidden)

💡Claims they "barely use" the electricity — but left the heater on all week
🌐Says they'll "pay for internet next month" — been saying this for 6 weeks
🧹Never bought cleaning supplies but uses them constantly
🍳Used student's groceries without asking — owes ~$15

💬 Roleplay Lines

Jordan: "Oh hey, about that electricity bill — I've been SO flat out at work this week, can we sort it next arvo? I'll Venmo ya... wait, do you use Venmo here?"

Jordan (if pushed): "Mate, I genuinely barely use electricity. I go to bed early. I feel like it's not really fair that we split it evenly, you know?"

Jordan (if student is firm): "Yeah okay, fair enough. $90 each. I'll transfer it... probably by Thursday."

🔥 Escalation Options

🪤Say you're thinking of moving out mid-lease (student would need to find replacement)
🪤Offer to split "mates rates" on internet but never actually pay
🪤Ask student to cover your rent "just this once" because you're "a bit short"

🛒

CHARACTER: Supermarket Cashier

Woolworths / Coles checkout — Week 2

🎭 Be friendly and fast. Use casual Aussie expressions. Scan items quickly. Cause a deliberate pricing error on one item to see if student notices.

🔖 Secret Pricing Traps

Item	Shelf Price	You Scan It As	Difference
Bread (Wonder White)	$3.50	$4.20 (old price, special ended)	+$0.70
Chicken Breast 1kg	$10.00 (special)	$13.50 (special not applied)	+$3.50
Milk 2L	$3.00	$3.00	✓

You: "Alright that's $72.40 for ya. Cash or card? Everyday Rewards card? No worries. Just tap when you're ready. Do you want a bag?"

🎭 If student says nothing — charge the wrong price. If they question it: "Oh sorry, let me check that for ya — you're right, it should be [correct price]. Cheers for catching that!"

🎁 Upsell: Woolworths Rewards

"Did you want to sign up for Everyday Rewards today? You get points for every shop." (No immediate financial trap — but encourages data sharing)

🔥 Hard Mode

🪤Speak very fast. Don't pause for the student to process the total.
🪤Ask multiple questions at once: "Cash or card? Got a Rewards card? Want bags? Any assistance with packing?"
🪤Other customers "in line" — create pressure to hurry up

🚃

CHARACTER: Transport Officer / Myki Inspector

Public transport — ticket inspection scenario

Situation	Fine Amount	Outcome if student responds correctly
No Myki card at all	$97	No reduction possible — pay or appeal
Myki card, insufficient funds	$97	If student is polite + new, may get "warning" (your discretion)
Forgot to tap on tram	$97 (or $244 if repeat)	First offence: warning + request to tap now
Wrong zone travel	$97	No reduction

🎭 Be official but not aggressive. Speak clearly but use authority. Don't immediately mention ways to avoid the fine — let student work it out. If they're polite and explain they're new, use your "discretion."

Inspector: "Excuse me, can I see your Myki card? ...Could you tap it on this reader please?"

Inspector: "You haven't tapped on. I'll need to issue an infringement notice. Can I get your name and address?"

If polite: "Look, I'll let you off with a warning this time since you're new. But next time, always tap on before boarding."

🔥 Hard Situations

🪤Ask for photo ID — if student doesn't know what counts as ID in Australia
🪤Ask them to spell their address — listening/pronunciation pressure
🪤Say "you can appeal online within 21 days" — do they know what "appeal" means?

☎️

CHARACTER: Scam Caller

Fake ATO officer / Police / Bank fraud team

⚠️ SCAM ROLEPLAY

🎭

Teacher note: This is an educational scam simulation. Your goal is to pressure the student into giving information. If they resist — congratulate them immediately and discuss the tactics used.

📋 Three Scam Scripts

☎️ Script 1: Fake ATO (Tax Office)

You: "Good afternoon, I'm calling from the Australian Taxation Office. My name is Officer Daniel Reid, badge number 4872. I'm calling because our system has flagged an unpaid tax liability of $842 in your name. If this is not resolved today, a warrant will be issued for your arrest. Are you aware of this matter?"

Pressure tactics available:

"I need your date of birth to verify your identity before we proceed."
"Payment must be made by iTunes gift cards or bank transfer today."
"If you hang up, the warrant will be processed automatically."
"This is a federal matter. Do not contact anyone about this call."

🏆 WIN CONDITION: Student asks for badge number, says they'll call ATO back, or hangs up. Any of these = student passed!

📦 Script 2: Fake Parcel Delivery

You (as text message, read aloud): "Your parcel could not be delivered. A $3.95 redelivery fee is required. Please pay within 24 hours or your parcel will be returned: delivery-aus.com/pay"

🎭 If playing as text: show student a physical card or write on paper. Ask if they'd pay it. Did they notice the suspicious website?

🏦 Script 3: Fake Bank Fraud Team

You: "Hello, this is NAB Fraud Prevention. We've detected suspicious activity on your account — a $1,200 transfer to an unknown account. To secure your account we need to verify your identity. Can you please confirm your full name, date of birth, and the last 4 digits of your card?"

If student gives info → STOP immediately:

Break character. Say: "I'm going to stop there — that was a scam roleplay. Real banks NEVER ask for your full card details over an inbound call. Let's talk about what happened there."

⚡

Week 3 Extra Scenarios

Electricity bill + customer service calls + coworker pressure

⚡ Electricity Company Customer Service

🎭 Student has received a $360 electricity bill. They call to query it. You are the energy company's customer service team.

You: "AGL, you're speaking with Brent, how can I help ya today?"

After student explains: "Yeah look, that bill's based on the last 90 days — quarterly billing. Is this your first bill with us?"

Upsell: "Have you looked at our Green Energy plan? It's slightly more per month but you're reducing your carbon footprint."

💡 Hidden: Payment Plan

If student can't pay $360 at once — there IS a payment plan option but only offer it if they say they can't afford it. Don't volunteer this information!

👔 Coworker Pressure Scenario

🎭 Play as a coworker pressuring the student to join a "work lunch" that costs $45/person.

Coworker: "Hey, we're all going to that Thai place for lunch — you're coming right? It's $45 each but it's worth it, really good. The whole team's going. It'll be good for ya to get to know everyone."

If student says they can't afford it: "Oh come on, it's fine — you only live once! Just this once."

Goal: Can student politely decline and set financial boundaries in English?

🚨 Emergency Event Cards

Trigger anytime

🎲

When to trigger emergencies: After the student seems too comfortable. During a transaction. Mid-conversation. Right after they've made a decision. Real life doesn't wait for convenient timing!

📜 Quick Reference Scripts

🗣 Fast Australian English Bank Lines

"Yeah so what we'd normally do is set ya up with the everyday then maybe look at adding the savings in a coupla weeks once you're sorted, yeah?"

"Look the fee's only eight bucks which honestly most customers don't even notice it's coming out."

"We can waive that today if you sign up for the credit card — totally up to you, no pressure."

"Right, just gonna need your passport, proof of address — like a bill in your name — and TFN if you've got it."

🎭 TFN = Tax File Number. If student doesn't know this: pause. Do they ask? Or do they say "yes" and pretend they know?

🔥 Pressure Tactics Toolkit

⏰Fake time limit: "This rate's only available till end of today."
👥Social proof: "Everyone who comes in here gets this one."
😳Confusion: Throw in 3 options at once, wait for them to process.
📋Paperwork rush: "Just sign here, here, and initial there — standard stuff."
📞Fake interruption: Pretend to take a call mid-explanation.
🤝Guilt trip: "I went out of my way for you here."
🏃Rushing: "I've got someone waiting — shall we just go with this one?"

🇦🇺 Fast Aussie Slang to Use

Slang	Meaning	Use it when...
`arvo`	afternoon	Scheduling anything
`heaps`	a lot / very	"It's heaps cheaper."
`reckon`	think	"I reckon you'd suit this one."
`no dramas`	no problem	After student agrees to something
`keen`	interested/eager	"Are you keen on the card?"
`sorted`	done/organised	"We'll have that sorted in two minutes."
`chuck in`	include	"We'll chuck in the first month free."
`ta`	thanks	After getting ID
`flat out`	very busy	"We've been flat out today."
`fair enough`	okay/understood	Accepting student's decision

📊 Debrief Questions (End of Session)

❓What questions did you ask that saved you money?
❓What did you miss? What should you have asked?
❓Which scam tactics did you notice? Which ones almost worked?
❓What Aussie slang did you understand? What confused you?
❓What would you do differently next time?
❓How did it feel to be rushed or pressured in English?

🎭 Teacher's Secret Edition