$IQ - your Money-IQ
Your "money-IQ" is an indication of your ability to handle money and resources. Most of us know how to spend money. But, making it? Not so much. That's why all first-time players start with a $IQ of 10 and work up. (Some are over 200 and increasing.)
Your $IQ indicates how well you handle money and resources in competition over time. (Always use a score sheet.) To increase your $IQ, you must outperform others over many games.
Those with higher $IQs generally have more skill and win more games. And generally, the more you play, and come in first or second the more your $IQ increases. This number stays with you regardless of who, when and where you play.
Starting with 10 for your first-ever 4-player game, if you win by having the most chips, you get +2 pts. added to your $IQ equaling a total of 12 pts. (10 + 2). If you finish second, you get 1 pt. added, third place get you 0 and if you're in last place you get -1, a point taken away from your running $IQ. (Check out the Score sheet.)
So, if this was everyone's first game, the winner would have a $IQ of 12, the second-place finisher 11, the third-place finisher would remain at 10 and the last player would have 9 having lost a point. Players' $IQs cannot go below zero. If a player with a $IQ of zero loses, his/her $IQ stays at zero. All 4-player games must be scored for $IQ.
So, see how your $IQ stacks up against those around you.
[Research is needed to show, or not show a relationship between this number and general success– however success is defined.]