# Ray's Money Ladder

> Ray's Money Ladder helps Americans 50 and over understand saving, debt, and retirement in plain English, one level at a time, with real numbers from official sources and nothing to sell.

Ray is an animated character. Every video is researched and written by a real person, every figure comes from an official source cited in the description, and the narration uses a synthetic voice. General education, not personal advice.

## Facts
- Name: Ray's Money Ladder
- Website: https://rayladder.com
- Audience: Americans 50 and over; plain American English.
- Topics: saving, bills, debt, Social Security, Medicare, taxes, housing, retirement income.
- Host: Ray, an animated character (not a real person, not a financial adviser). Synthetic voice.
- Method: every video is researched and written by a real person; every figure comes from an official source (SSA, IRS, Medicare.gov, Federal Reserve, BLS, EIA) cited in the video description; figures are checked twice.
- Rules: general education, not personal advice. Never recommends a stock, fund, crypto, broker, or financial product. No affiliate links. Email addresses are never sold.
- Free guide: Ray's Money Ladder Toolkit (printable PDF), at https://rayladder.com/#toolkit
- Contact: raysmoneyladder@gmail.com

## Pages
- [Home](https://rayladder.com/): What the channel does and the free Toolkit sign-up.
- [Videos](https://rayladder.com/videos): All videos from the YouTube channel, newest first, sorted by topic.
- [Resources](https://rayladder.com/resources): Free official tools (Social Security, Medicare, IRS, CFPB, HUD, FTC). Government and public sites only.
- [About](https://rayladder.com/about): Who Ray is (an animated character) and how each video is researched, sourced, and checked.
- [FAQ](https://rayladder.com/faq): Short answers: real person, financial advice, sources, Toolkit, email, unsubscribe.
- [Privacy Policy](https://rayladder.com/privacy): What is kept (email, first name, source, date), why, unsubscribe, never sold.
- [Terms of Use](https://rayladder.com/terms): Education, not advice; using the Toolkit; limits of responsibility.
- [Disclaimer](https://rayladder.com/disclaimer): General education only; animated character; synthetic voice; check with a licensed professional.
- [Data deletion](https://rayladder.com/data-deletion): How to have your data deleted (email request, within 30 days) and how to unsubscribe.
- [Contact](https://rayladder.com/contact): Email raysmoneyladder@gmail.com.

## Official accounts
- YouTube: https://www.youtube.com/@RaysMoneyLadder
- Facebook: https://www.facebook.com/raysmoneyladder
- Instagram: https://www.instagram.com/raysmoneyladder
- TikTok: https://www.tiktok.com/@rays.money.ladder