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README.md

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+# 🧠 Financial Literacy Quiz — Smart Money Assistant
+
+This project is an AI-powered financial literacy quiz designed to help users build better money habits through realistic scenarios and immediate feedback.
+
+The assistant, named **Smart Money**, is powered by a fine-tuned [Phi-2](https://huggingface.co/microsoft/phi-2) model using LoRA (Low-Rank Adaptation). It evaluates your financial decisions and gives witty, sharp explanations when your choices fall short.
+
+---
+
+## 📦 Included
+
+- `cli_quiz.py` — Command-line script to run the quiz  
+- `quiz_ready_dataset.jsonl` — A custom dataset of 1000+ realistic financial scenarios  
+- `model/` — Fine-tuned Phi-2 model directory (LoRA-merged or base)  
+- `README.md` — Project documentation  
+
+---
+
+## 🚀 Quick Start
+
+To run the quiz locally:
+
+\`\`\`bash
+pip install torch transformers
+python3 cli_quiz.py
+\`\`\`
+
+> Note: If you are not using a GPU, modify the script to use `torch.float32` instead of `torch.float16`.
+
+---
+
+## 💡 How It Works
+
+1. You’ll be asked 5 randomly selected financial scenario questions.  
+2. Choose your best response (multiple choice: a, b, or c).  
+3. If you’re wrong, Smart Money replies with a witty one-liner.  
+4. At the end, you receive a final score and personalized summary.  
+
+---
+
+## 🧠 Model Details
+
+- **Base Model**: [Phi-2 by Microsoft](https://huggingface.co/microsoft/phi-2)  
+- **Fine-Tuning Method**: LoRA via `peft`  
+- **Libraries Used**: `transformers`, `torch`, `json`, `random`  
+- **Inference**: Local GPU (tested on 2x RTX 4080)  
+
+---
+
+## 🤖 Why This Matters
+
+Many people lack access to practical, relatable financial education. This project bridges that gap by:
+
+- Using an LLM to simulate a sharp financial coach  
+- Teaching through interactive, contextual scenarios  
+- Reinforcing good financial habits with real-time feedback  
+
+---
+
+## ✍️ Created By
+
+[@lilbablo](https://huggingface.co/lilbablo) — exploring the intersection of AI, financial literacy, and interactive learning.  
+
+---
+
+## 🤝 Contribute
+
+Pull requests welcome! You can:
+
+- Add more scenario questions  
+- Improve model responses  
+- Port this to Gradio or Streamlit  
+- Translate the quiz for international use  

requirements.txt

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+torch>=2.0.0
+transformers>=4.36.0
+peft>=0.8.0
+accelerate>=0.24.0
+bitsandbytes>=0.41.0