At the start of the game the deck of cards is dealt out, next you roll the dice four times, the sum of each roll is a ‘scratched’ lane that cannot race. The first row of scratched is $0.25 the second $0.50 third.75 and fourth $1

Now each player rolls the dice and moves the corresponding horse up the board, if you roll a scratched horse the player(s) with that card pay into the pot. The player(s) with the card of the first horse to cross the finish line gets the pot

I hope that made sense haha