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The play account rule is that it must be spent every month. That's right! Each month you have to blow all the money in that account in a way that makes you feel rich. For example, imagine walking into a massage center, dumping all the money from your account on the counter, pointing to the massage therapists, and saying, "I want both of you on me. With the hot rocks and the frickin' cucumbers. After that, bring me lunch!"