# Gamification
## Engagement

- Reminders to save for a festival(with progress indicators)
- Reminders to save for a important persons birthday/ anniversary (with progress indicators)
- Scratch card system to unveil your goal for the category
- progress indicators of each category(widgets)
- Set goal to buy/save for a specific thing
- progress indicators for goals(widgets)
- Adding checkpoints into goals that give rewards of increasing value depending on the progress 
- NOTIFICATIONS
- Savings simulation(which accounts for inflation/interest rate/or current trend if for a specific asset)
- Reminding if you are spending too much/ too close to the goal / limit

## Social aspect

- Leaderboards
- Add people into a Goal (save together with person1 and person2 to buy a present for person3)(include with the reminder for saving)
- Social Donations or Impact
- Community Forums and Groups (How i saved 100000$ for my new car!, with upvote system and stuff )
- Achievements Wall (like a bulletin where all you achieved goals are for display)
- Themed challenges for groups (like “30 Days of No Spending on Non-Essentials.”)
- Push Notifications with a Social Twist (“Your friend Sarah just saved $200! Celebrate her progress!” or “Your team is 10% away from reaching the goal!”)

# Financial Literacy(Biggest challenge will be to actually curate these lessons lmao)
### 1. Contextual Pop-Ups

- **How it works**: Trigger educational pop-ups based on user actions or behaviors within the app.
- **Example**:
    - If a user logs a new expense: “Did you know inflation reduces purchasing power over time? Here’s how to hedge against it.”
    - If a user tracks a depreciating asset: “Learn why cars lose value over time and how to minimize depreciation.”
- **Why it works**: It delivers bite-sized education in relevant moments, making the content more impactful.

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### 2. Interactive Simulations

- **How it works**: Gamify lessons by letting users interact with scenarios that demonstrate financial concepts.
- **Example**:
    - A slider tool that shows how interest rates impact loan repayment over time.
    - A simulation where users can "invest" in assets to observe appreciation vs. depreciation.
- **Why it works**: Active participation deepens understanding and keeps users engaged.

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### 3. Spend-Triggered Lessons

- **How it works**: When users log specific spending categories or amounts, suggest relevant lessons.
- **Example**:
    - If a user logs a large expense: “Thinking about how to pay this off? Learn how to use the snowball method for loans.”
    - If a user logs frequent dining out expenses: “See how meal prepping can save you $X annually.”
- **Why it works**: It makes the lessons feel personal and actionable.

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### 4. Savings Milestone Messages

- **How it works**: Celebrate savings milestones with a brief educational message.
- **Example**:
    - “Congrats on saving $500! Did you know compound interest can help you grow your savings faster? Here’s how.”
    - “You’ve hit 50% of your goal! Learn about FIRE (Financial Independence, Retire Early) and how it could accelerate your journey.”
- **Why it works**: It ties learning to achievements, making users more receptive.

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### 5. Quiz Alerts

- **How it works**: Offer short, fun quizzes that reward users with points or badges.
- **Example**:
    - After a user calculates a budget: “Take this 3-question quiz to test your knowledge about inflation’s impact on budgeting.”
    - After a savings deposit: “Pop quiz! Which type of account gives you the best interest rates over 5 years?”
- **Why it works**: Quizzes break monotony and reinforce knowledge in a playful way.

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### 6. Daily Tips and Fun Facts

- **How it works**: Provide users with small, digestible nuggets of financial wisdom during app interactions.
- **Example**:
    - “Did you know the average interest rate for credit cards is X%? Lower rates can save you thousands over time.”
    - “Inflation in the last decade averaged X%. Are your investments keeping up?”
- **Why it works**: Keeps users informed without overwhelming them.

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### 7. Spend Categorization Insights

- **How it works**: When users categorize expenses, share insights tied to the category.
- **Example**:
    - For housing: “Rent or buy? Learn how to evaluate what’s best for your financial goals.”
    - For entertainment: “Spending on experiences can bring joy, but here’s how to balance it with saving.”
- **Why it works**: Makes financial concepts relatable to real-life spending.

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### 8. Real-World Case Studies(sounds a little stupid)

- **How it works**: Present users with short stories or scenarios they can relate to.
- **Example**:
    - After logging a loan payment: “Meet Sarah. She paid off her $10,000 loan in 3 years using the avalanche method. Here’s how.”
    - After an asset update: “John invested in real estate and grew his wealth despite inflation. Here’s his strategy.”
- **Why it works**: Storytelling is engaging and simplifies complex topics.

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### 9. Learning Streaks

- **How it works**: Gamify education by rewarding users for engaging with lessons consistently.
- **Example**:
    - “Day 3 of your financial literacy streak! Today’s lesson: Why savings accounts barely beat inflation.”
    - “Complete 5 lessons this week and earn the ‘Financial Guru’ badge!”
- **Why it works**: Creates a sense of progress and achievement tied to learning.

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### 10. Proactive Notifications

- **How it works**: Send push notifications with educational prompts tied to user goals or activity.
- **Example**:
    - “You’re close to your savings goal! Did you know reinvesting your savings can help them grow faster?”
    - “Inflation is expected to rise this year. Learn how to protect your purchasing power.”
- **Why it works**: Keeps users engaged and informed even outside the app.

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### 11. “What If” Scenarios

- **How it works**: Offer users tools to explore hypothetical financial outcomes.
- **Example**:
    - “What if you invested your $1,000 savings for 10 years? Use our calculator to find out.”
    - “What if inflation increases by 2% next year? See how it impacts your spending power.”
- **Why it works**: Encourages curiosity and deeper engagement with financial topics.

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### 12. Progress-Based Content Unlocking(verrryy stupidd)

- **How it works**: As users achieve milestones, unlock new lessons or features.
- **Example**:
    - After saving $1,000: “You’ve unlocked advanced lessons on appreciating assets like stocks and real estate.”
    - After completing debt-related tasks: “Now that you’ve tackled loans, let’s dive into interest rates.”
- **Why it works**: Creates a sense of progression and rewards consistent effort.

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### 13. In-App Mini-Games

- **How it works**: Integrate mini-games that teach financial concepts.
- **Example**:
    - A game where users balance a virtual budget while facing unexpected expenses (teaches budgeting and emergency funds).
    - A “Debt Snowball Race” where users learn how to prioritize loan payoffs.
- **Why it works**: Gamification makes learning fun and interactive.

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### 14. Community Polls and Discussions

- **How it works**: Prompt users to participate in polls or forums about financial topics.
- **Example**:
    - “What’s your strategy for beating inflation? Share and compare in the community!”
    - “Which is better: Fixed deposits or mutual funds? Vote now and see what others think.”
- **Why it works**: Social validation encourages engagement and learning from peers.

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### 15. Resource Recommendations

- **How it works**: Provide curated content based on user actions.
- **Example**:
    - After logging a loan: “Check out this guide on understanding interest rates.”
    - After completing a savings goal: “Ready to invest? Here’s an intro to appreciating assets.”
- **Why it works**: Tailored content feels relevant and actionable.


# ML stuff

### Identify user spending Behavior across all categories

