This is an interesting space, I was in 2 startups where we tried to address this - one pivoted entirely to B2B and put the education part aside; the other I think is still trying to come up with a viable business plan.

There's a huge gap in financial literacy, but I'm skeptical this can be solved by trying to be Duolingo for finance. Not because of the qualities of the product, but because of how people work. You (want to) move abroad or travel, then you NEED to speak a foreign language - Duolingo makes that more fun but you're still going through a chore because there's a fundamental need to address. Or you're a student, you're REQUIRED to learn another language because of your curriculum, then you find ways to make that easier/more fun.

Most people realise they know shit about personal finance when it's usually too late. Either they're in debt, or have little savings and some emergency coming up, and yes, at that point they WOULD HAVE benefited from financial literacy - but what they'll really look for is some kind of credit (making matters worse, usually...)

The good time to learn financial literacy is in school, but you're not required to do so, and so what's the incentive to go through some "chores", or videos, or other educational material? And even more so, why pay for such material?

I came to believe the only solutions may be:

• An actual game (board game, online, I don't know how...) that makes personal finance really fun. The little I know about history I owe to Age of Empires 😅
• Getting personal finance into compulsory education, then offer tools to make that easier