Disclaimer

Independent educational pilot

Ram Ready Financial Futures is an independent, open-source educational pilot built for review and possible future coordination with Angelo State University. It is not an official Angelo State University course, policy, credential, website, or financial-aid resource. It does not use an official university seal, logo, or copyrighted mascot artwork. Roscoe and Bella appear here only as original, text-based interface guide characters with original dialogue — never as official university speech.

Not individualized advice

This course is introductory financial education, not individualized financial, legal, accounting, investment, insurance, or tax advice. It does not promise that anyone will become wealthy. Not everyone wants to become wealthy, and wealth is not a measure of a person's worth. Income, wealth, opportunity, health, disability, caregiving, discrimination, geography, luck, economic conditions, and family responsibilities all affect financial outcomes — often more than any single decision covered here.

Verify current laws, limits, rates, taxes, eligibility rules, and product terms with authoritative sources (see Sources) and qualified professionals before acting on anything.

No products, no sponsorships

This course contains no affiliate links, product placement, investment recommendations, or sponsored financial products of any kind.

Simulations are illustrative

Every calculator and simulation labels its formula, inputs, assumptions, and limitations, and states "illustrative estimate, not a forecast." Actual taxes, returns, job changes, emergencies, market conditions, fees, and inflation can materially change real-world results.