Official Rules: 50 Foals Challenge (updated for TS4!)

Ok, so finally read through it all and will get a chance to sit down and play. I think I will do the one mare and one stallion, but only let them have as many foals as their own age will allow naturally. I love having generations to look back on. And then the idea of the sim having a family alongside them sounds fun to me too... Question though, starting funds? Things like that. Can they start off with their normal starting funds in order to build a basic starter ranch, or are we starting with nothing and working our way up?