Financial literacy apps all hit the same wall: once you've "learned it", why come back, and why pay? How would you build the flywheel? (I will not promote)

I'm working in investing education for beginners, and I keep running into a structural problem I'd love this sub's take on. Retention. Learning is front-loaded. Someone learns what a P/E ratio or an index fund is in a couple of weeks, feels "done", and leaves. Language apps get away with streaks because there's no finish line. Personal finance looks like it has one, even though it really doesn't. The hook that should exist. Unlike most subjects, money has a built-in daily reason to come back: markets move every day, and people's own savings and watchlists change with them. Most education products ignore that and stay a static course. My hunch is the habit comes from tying lessons to what's happening today, in the things you already care about, rather than from more lessons. Willingness to pay. People happily pay for outcomes (make or save money) but not for "learning". The catch: promise outcomes in finance and you're giving advice, which you shouldn't and in many places legally can't. So the value has to be something else. Confidence before risking real money? Avoiding one expensive beginner mistake? Understanding the news without feeling stupid? The flywheel. I can't see a clean one yet. Possible spins: practice results people want to share; a community that learns together; "explain this to a friend" moments that bring in the next user. None of these feel obviously strong to me. Questions for anyone who's built in finance, education, or habit products: What turned a course into a habit for your users? Did anything beat streaks? In education or habit products you've built or watched closely, what did people actually end up paying for, and what made them cancel? Have you seen any financial-literacy product with good retention at month 3? What did it do differently? Where's the flywheel here, or is this a category where paid acquisition is the only real engine? Not looking for "just add gamification". I'm interested in what actually kept real people coming back.