Life Capital is an experiential learning methodology that develops decision-making, financial intelligence, strategic thinking and resource management through immersive socio-economic simulation. Participants experience the consequences of their decisions in a safe environment — before those decisions happen in real life.
Open sessions in Ottawa have no published dates: a date is agreed in the reply to an enquiry. Next tournament: Geneva, 31 October 2026. Prices and how a date is agreed →
The simulation turns financial ideas into visible choices. Here are three ways to use savings, with rounded example numbers: compare debt, investing, cash flow and risk while a mistake still costs play money.
Use part of your savings as a down payment on a $20,000 asset. After the loan payment it brings in a little each month, and it adds debt, repayment obligations and the risk that the income stops.
Put money into an early-stage private company. There may be no income for years, the investment can be hard to sell, and the final outcome is uncertain.
Use available cash to pay off $4,000 of credit-card debt at about 20% a year, so about $65 less interest leaves your budget each month.
Compare the monthly income with debt service, vacancy risk and the cash you tied up. A positive cash-flow asset can help, but leverage also increases what can go wrong.
The same simulation works as a personal program for adults, a team program for organizations and a youth program for schools and families. Choose who it is for.
Life Capital gives adults room to step back and rethink what matters to them. In the simulation they try new skills, behaviours and decision strategies in a safe setting before using them in real life.
Life Capital helps organizations find the values that unite their people and turn a group into a team that performs. In the simulation team dynamics become visible, and every decision is written into the ledger as a number.
Life Capital gives young people a safe place to meet the realities of adult life before real life brings them: the value of money and time, the role of responsibility, the effect of financial decisions, and why relationships and teamwork matter. The simulation turns abstract ideas into personal experience.
For people who have taken part and want to lead: 12 supervised practice sessions in four roles, then an optional certificate. The course is taught in Ukrainian.
Participants repeat key life and financial skills until they become habits: budgeting, cash-flow management, financial planning, strategic goal setting, negotiation, partnership building, decision-making frameworks and resource management.
A session runs the same decisions round after round, so practice builds up quickly.
The simulation shows how people think, decide and react under pressure. Certified Trainers help participants find limiting beliefs, recognise behaviour patterns, understand their decision habits, see the real cost of a mistake and find room to grow.
Every decision is written into the player’s ledger as a number, so the debrief works with concrete figures.
The simulation recreates real financial and personal situations: career changes, unexpected expenses, a growing family, investments, economic risks, business opportunities, financial setbacks and long-term planning.
Participants learn from experience in a realistic setting.
Why simulation works: information creates awareness, and experience creates change. People change their habits when they live through the consequences of their choices. In a few hours, Life Capital lets participants safely live through years of decisions, opportunities and setbacks.
Life Capital brings adults, teams, young people, educators, trainers and partners together around one goal: better decisions, learned through experience.
Every player draws a Player Legend face down: a profession and a starting budget. Each player names their own Dream, and a player wins by reaching financial freedom with the Dream bought.
A browser version of Life Capital runs at lifecapital.evokira.com, in Ukrainian and English. It is a development address kept up by the team, so take it for what it is: a way to see how a turn works — the decisions, the ledger arithmetic, the events that land on you — in a few minutes, from a phone or a laptop.
It opens straight away, with no booking: play a few turns, and you will know whether the table version is worth a Saturday.
The five-hour session is where the rest of it lives: a paper ledger you fill in by hand, a Trainer leading and a Banker paying out and collecting the money, other players to negotiate with, and the debrief at the end where every player reads their own ledger out loud and says what each decision cost.
About forty years of adult financial life, played through in one sitting, in English or Ukrainian.
Six tournaments have been played: Vienna 2024, Kyiv, Frankfurt and Ottawa 2025, Ottawa and Irpin 2026. Irpin has no photographs on this site yet; every stage is in the register. The tournament register →
Rotary District 7040
Supported the 2025 Canadian national tournament; on the 2026 stage banner
rotary7040.com ↗
Rotary in Ukraine
District 2232 · supported the Frankfurt 2025 stage and the 2025 Canadian national tournament; on the 2026 stage banner
rotary.org.ua ↗
Ecivda
Founders Circle Sponsor, 2nd National Youth Financial Literacy Tournament (2026)
ecivda.com ↗| Format | Target Audience | Length | Group Size | Core Learning Outcome | Availability |
|---|---|---|---|---|---|
| Open session | Teenagers from 14, and adults | 5 hours | 5–8 per table | A personal balance sheet across about 40 simulated years | CAD 200 a seat, CAD 150 each for a pair |
| Team session | Company teams, HR, L&D | 5 hours | 6–18 people | Decision principles, a role map, an improvement backlog | Priced individually |
| Year-long school club | Schools | School year | 10–16 students | Shorter theory meetings and full 5-hour simulations, led by a teacher of the school prepared in the methodology | On request |
Every session ends with a debrief. School and funder programs are priced on request; scenario-based corporate sessions are priced individually, depending on the client’s task.
Our mission is to build a lasting understanding of the value of personal and family capital as the foundation of freedom, responsibility and sustainable decision-making.
Life Capital was created in Kharkiv in 2017 as a practical tool for financial education. It grew into a method for managing every kind of resource at once: money, time, energy, relationships, knowledge and opportunities. Olga Ialovenko, founder of LifeCapital Global, wrote the English-language version and brought it to Canada; it is run from Carleton Place, Ontario. Sessions and tournaments run in English and Ukrainian.
Ontario students who entered Grade 9 in 2025–2026 or later must complete the new Financial Literacy Graduation Requirement through Grade 10 Career Studies. Students complete the requirement through the provincial TVO modules and assessment. Life Capital is a separate, hands-on practice alongside them, where students make the underlying decisions at a table.
