Five people. €100,000. One decision everyone can live with.
1 · Role
2 · Prepare
3 · Negotiate
4 · Twist
5 · Report
START HERE
Welcome to Money Talks
Your group has won €100,000. Your task is to agree on how to use it. You have different priorities, so reaching a unanimous decision will take discussion and compromise.
How to use this page Each student opens the same activity on their own phone and chooses a different role. Your role gives you a position to defend. Talk to your group—not to your phone. The activity does not synchronize phones, so share your decisions aloud. One person can use the budget planner as the group's calculator.
Choose one role
There are five roles. Coordinate with your group so everyone chooses a different one.
STAGE 1 · PREPARE
Build your argument
Read the situation and prepare your opening argument. You do not have to agree with your assigned role personally.
The rules Allocate no more than €100,000. You may combine options. Your group must agree unanimously and explain the reasoning behind its final plan.
Ways to use the money
Buy property · €100,000
Potential long-term value; prices could fall.
Invest in stocks · €100,000
Potential returns; you could lose money.
Start a business · €80,000
Potential profit; the business could fail.
Pay off debts · €40,000
Greater financial security; less money available to invest.
Take turns proposing a plan, challenging ideas, and negotiating a compromise. Aim for 15–20 minutes. Try to use at least six expressions from the coursebook vocabulary tracker, and use them accurately rather than forcing them into the conversation.
Your speaking targets ☑ Make a proposal and justify it. ☑ Challenge or question someone else's idea politely. ☑ Respond directly to another person's argument. ☑ Try to persuade someone or change your own position. ☑ Use at least six expressions from the vocabulary tracker.
Choose a prompt when your group needs one
Make your case
Should we prioritise financial security or personal happiness?
Useful language: persuade, challenge, compromise
“The way I see it, we would be better off …”
“I take your point, but have you considered …?”
“Aren't you underestimating the risk of …?”
“What if we allocated a smaller amount to …?”
“I'd be willing to compromise on … provided that …”
“That may be a sound investment, but it doesn't account for …”
“You've convinced me that …; however, I still think …”
“Can we agree on a plan that allows us to … while still …?”
Vocabulary used in the discussion
Tick an expression when you use it naturally. Use these expressions from your coursebook. Tick an item when you use it accurately and naturally.
STAGE 3 · ADAPT
An unexpected development
Once your group has a proposed plan, reveal a complication. Discuss how it changes your decision. You can reveal a different twist if your group has already used this one.
Your twist is waiting
Ready?
Agree on your initial plan before revealing the complication.
Discuss:
What would you change, and what would you leave untouched?
Which option now seems less attractive?
Does this development change your view of risk?
Can everyone still agree on the plan?
STAGE 4 · REPORT
Present your group's decision
Agree on the final answers together. You can use the budget planner below to check that your allocation does not exceed €100,000.
Group budget planner
This calculator works only on this phone. If another student changes their allocation, update yours manually.
€0 / €100,000
Allocate the money to check your total.
Final report checklist
Well done! Be ready to explain your group's decisions and defend them against questions from the class.