01
Cash Flow
Understand the relationship between money coming in and money going out.
Vi$ion turns Cash Flow, Capital, Collateral, and Credit into a visual avatar and financial games so you can understand how the pieces of your financial life interact.
How Vi$ion Works
02
Capital
Learn to think about savings and reserves not just as dollars, but as time — how long your resources can support you.
03
Collateral
Understand the relationship between what you own, what it is worth, and what you still owe against it.
04
Credit
Go beyond the score and understand credit as a way of communicating your borrowing history and financial behavior.
THE FOUR CORNERSONE CONNECTED PICTURE
SENTINEL / LOADING 3D
01 / CASH FLOW
02 / CAPITAL
03 / COLLATERAL
04 / CREDIT
An independent financial-literacy game project by Casey S. Rettke.
02 / BUILD YOUR AVATAR
Build Your Avatar
Start with seven basic inputs about your current financial situation.
Planning a purchase? Open What If for five additional inputs and compare the scenario without changing your current picture.
The Vi$ion analogy engine connects each of the four financial concepts to part of your avatar:
Cash Flow → Weapon
Less debt pressure relative to income means greater offensive strength.
Capital → Shield
More months of available reserves means stronger protection.
Collateral → Armor
More equity relative to debt strengthens your armor.
Credit → Helm & Wings
Your credit profile changes your avatar’s credit equipment and abilities.
These equipment names describe Sentinel. The hangar labels its credit headpiece “Antenna”; credit also changes its wings. Verdant expresses the same four concepts through leaves, trunk, roots, and canopy. Cash-flow strength includes living expenses as well as debt payments.
The point isn’t to make a “good” or “bad” character.
The avatar gives you a way to see financial relationships that are normally trapped inside spreadsheets, percentages, and credit reports.
03 / THEN PLAY YOUR FINANCIAL PICTURE
Your avatar isn’t
just decoration.
Take it into Vi$ion’s financial simulators and see those same concepts become gameplay.
Battle debt. Protect your reserves. Survive until payday.
Debtbreaker uses your selected hangar picture for monthly obligations and reserve protection. It does not project principal payoff, interest, or credit-score changes.
- Read
- Allocate
- Predict
- Play
- Review
Debtbreak Classic · fictional practice scenarios
Reduce principal balances. Experiment with different debt strategies such as Avalanche and Snowball and watch how the same starting situation can produce very different results.
Open Classic inside Debtbreaker to try these separate scenarios; they do not model your personal account balances.
The games don’t make financial decisions for you. They give you a place to see those decisions happen.
Educational simulation. Gameplay does not move real money or change real accounts.
Enter the arcadeGameplay clips show an earlier prototype.
Read the preview transcript
Can you read your money? Start with four corners: cash flow — what remains; capital — your reserves; collateral — value and costs; credit — your borrowing record. First, read where you stand.
Choose where your money goes. In Debtbreak, landed shots spend your debt budget. Reserve strikes spend your savings.
Read. Decide. Play. Start with a fictional household, try a plan and see what changes.
No single one tells the whole story.
Read all four together and the picture becomes much clearer.
And once you can see the picture, you can start asking better questions:
- What happens if I pay this debt down?
- Can I afford this purchase?
- Would more reserves help me more than paying extra debt?
- What changes if I use a Snowball instead of an Avalanche strategy?
That is the purpose of Vi$ion.
Explore the tradeoffs; Vi$ion does not recommend a purchase or make financial decisions for you.
04 / HELP BUILD WHAT COMES NEXT
Make financial
understanding
more accessible.
Interested in supporting Vi$ion? I welcome conversations with educators, housing counselors, credit unions, game developers and people who want to help this project grow.
Contact Casey directly. Support and pilot arrangements are discussed individually.
05 / FOR DEVELOPERS
Your game.
The Vi$ion engine.
Build a different world around the same four corners. Send aggregate financial inputs to the hosted API; receive current and scenario signals for your own gameplay.
The arcade client is open source under MIT. The financial calculator is a separate, private engine.
const response = await fetch(
"https://vision-financial-map.rettke75.chatgpt.site/api/vision/calculate",
{
method: "POST",
headers: { "Content-Type": "application/json" },
body: JSON.stringify({
"current": {
"monthlyIncome": 4000,
"monthlyDebtPayments": 500,
"monthlyLivingExpenses": 2200,
"totalDebt": 12000,
"assetValue": 20000,
"liquidReserves": 3000,
"creditScore": 680
},
"scenario": {
"upfrontCash": 1000,
"newMonthlyPayment": 150,
"newDebt": 5000,
"acquiredAssetValue": 6000,
"monthlyIncomeChange": 0
}
})
}
);
if (!response.ok) throw new Error(`HTTP ${response.status}`);
const { current, scenario, deltas } = await response.json();TRY A REAL REQUEST
Four signals.
Your mechanics.
The sample compares a fictional household with an illustrative new purchase. All money amounts are USD; income and payment amounts are monthly.
Take-home income excludes paycheck deductions. Living costs and debt payments are separate. Send every field, even when its value is zero.
Sends only the fictional numbers shown here.
RESPONSE SHAPE
current · scenario · deltasEach corner includes its status, strength and raw results.
Experimental public API · No key currently required · No availability guarantee. The public repository is a separate release and may lag the live games. Preserve unknown values as unknown; the engine does not predict future credit scores. Use the API guide for input limits and responsible integration.
06 / ABOUT ME
Casey S.
Rettke.
23 years
of experience in mortgage lending
- Community lending
- Former Community Reinvestment Act Lending Officer, Citizens Bank
- Education & outreach
- Financial-literacy materials, classes and counselor training
- Communications
- B.S. in Mass Communication / Public Relations, University of Idaho
I’ve built wealth, lost it, and had to learn how to rebuild.
During the early-2000s mortgage boom, I built substantial wealth. A real-estate deal I trusted left me with overwhelming debt and the loss of my home and much of the life I had built. Financial success had not made me immune to financial failure.
I spent a year working directly with the IRS to resolve a major tax debt. Rebuilding meant understanding where I actually stood, working through my obligations and having difficult conversations. Progress came one decision at a time.
I eventually rebuilt my personal life, met my wife and became a father. Through my work as a Community Reinvestment Act loan officer at Citizens Bank, I volunteered with a nonprofit housing-counseling agency. I wrote educational material, taught classes and helped train counselors. I also contributed to research and development for lending products designed to serve people with low and moderate incomes.
Health challenges later forced me to step away from lending. Rebuilding remains part of my life. Today, I use AI as a tool for learning and creating, and Vi$ion is one way I continue to contribute.
That experience is why Vi$ion starts with a practical first step: read your four corners and understand where you are now. Make decisions from those facts. Then learn how the corners affect one another.
Financial literacy cannot erase hardship. It can give you a clearer picture to work from.
Get in touchTRY IT WITH YOUR COMMUNITY
One session.
A clearer picture.
Educators, counselors and adult beta testers can start with a 30-minute session using fictional households. Compare two incomes, make a plan and tell us what became clearer.
Early pilot materials. Partner participation and learning outcomes are still being explored.