The Riley Carter Decade — Personal Finance Capstone

Capstone simulation that follows Riley Carter from age 22 to 32 across five life events (foundation, education fork, credit build, housing decision, insurance reckoning) plus a Settle-Up that projects to 65. Composes the 881–886 personal-finance cluster around a single household-state ledger to teach compounding, opportunity cost, path-dependence, and identity-money links.