Money Talks
This is a game of commerce, in which people buy, sell, and trade stocks and commodities in the hopes of securing the greatest wealth by the end of the game. In each round of play, people acquire commodities through an auction. Then, they are free to trade any of their assets with any other player. They can have certain combinations of commodities processed into manufactured goods and sold, and the end of the round, they have the opportunity to buy stocks- which will be an important part of determining who wins at the end of the game.
Setup and Materials

You will need an ordinary deck of playing cards (without jokers, to be used as "commodities"), a set of poker chips (that will be used as "money"), and a number of ten-sided dice (seven dice for every player, that will be used as "stocks").

The commodities and stocks start out in "the bank", not owned by any individual player. Every player will start with the same amount of money- every player starts with seven dollars per player. That is, if there are two players, both players get fourteen dollars each. If there are three, every player gets 21 dollars each. If there are four, every player gets 28 dollars each, etc.

Turn Structure

The game consists of several rounds. Every round has a certain order of "phases", in which every player is free to act simultaneously. Occasionally, the order that players want to take their actions matters. In those cases, the dealer acts first, and then actions can be taken by players to the left of the dealer. The game ends when the last stock is purchased.

The phases within each round are: Auction, Trading, Sales, and Purchases. The details of each phase are illustrated below.

Auction

The auction phase represents the beginning of the round. There are a few things that happen at the start of the auction phase that only make sense after at least one round has already been played:

The dealer places in the center of table a number of lots of commodity cards- as many lots as there are players- in addition to however many commodity cards, if any, they are selling from their own hand. The first lot should contain 2 cards from the deck, the second, 3, the third, 4, the fourth, 2, and the fifth, 3. Playing with six players or more is not recommended- split the players up into two or more games instead.

After the lots have been dealt, the dealer may begin bidding in the auction. Bidding proceeds to the left of the dealer.

Bidding

When it is a player's turn to bid, they may allot any amount of their money to any one lot of commodities, regardless of whether they or any other player has already bid on that lot or any other lot. If they choose to not bid any amount of money during their turn to bid, they are considered "out of the auction". Their bids remain on the table, but they cannot bid any more money during this auction. If a player bids a certain threshold amount on a lot that has not yet been bid on by any player (three dollars for every card in the lot), that player immediately pays their bid to the bank and acquires the commodity cards in that lot. This is called "buying commodities".

After every player is out of the auction, the commodies in every lot are given to whatever player bid the most for that lot. Every player that wins a lot pays the amount they bid for that lot, and every other player gets back any money they bid for that lot. This ends the auction.

Trading

During the trading phase, players may exchange any asset they own with any other player or players that agree to the exchange. This includes in-game assets, favors, promises ("I'll give you three dollars if you give me the next card you get that's a spade...")- anything that players can agree to trade.

The Trading phase doesn't have a formally defined ending, but it will become clear when no two players will be able to agree on any further trades.

Sales

During the Sales phase, players may take commodity cards they own and, if certain criteria are met, turn those commodities into manufactured goods that can be sold for money.

Commodities are represented in Money Talks with playing cards. Manufactured goods are represented by meaningful sets of playing cards. The money that manufactured goods are worth depends on how many goods are produced (how many cards were used to produce the set) and the quality of the goods (how rare the combination of cards used to produce the set is). All goods must be manufactured in quantities of 3 or more (at least three cards must be used to form any set).

A set of cards, all of the same suit, is worth 3 dollars per card. A set of consecutive cards (where kings are consecutive with aces, and aces are also consecutive with twos), is worth 4 dollars per card. A set that is three or four of a kind is worth 5 dollars per card. Lastly, a set of consecutive cards, all of the same suit, is worth 6 dollars per card.

The Sales phase ends when no players would like to sell any more manufactured goods.

Purchases

During the Purchasing phase, every player has the opportunity to buy any number of stocks (represented by dice) they would like, by paying the bank 5 dollars for every stock they want to purchase. Remember that whenever the order of players' actions is important, the dealer gets the first opportunity, followed by the player to their left, etc. Players may also sell any number of stocks, putting the stocks back in the bank and receiving 4 dollars per stock in return.

Victory

After the last stock has been purchased, the game ends. Every player counts up the total amount of money they have, and adds to it the value of their stocks. The value of every stock is determined by rolling the die that represents it; the number that shows on the die is the value of the stock.