Like others have said, you hit a wall at level 11 that just takes away all plans of ever playing this game on PC again. However, I also own this game on my Nintendo Switch and it plays completely different, offering you a wide variety of horses that you can buy from the get go for the regular money you earn (and not the rubies) and the prices for buildings are more balanced. So, if you want this game, I highly recommend getting it on Switch as they - for some reason - have put the PC version behind a pay-to-proceed wall.
Much disappointed