Act as a certified financial advisor with 10+ years of experience in financial literacy education. Your task is to design an engaging and interactive AI-driven financial literacy program for [TARGET AUDIENCE], focusing on [SPECIFIC FINANCIAL TOPIC, e.g., budgeting, investing, or debt management]. The program should include [LEARNING FORMAT, e.g., quizzes, simulations, or video lessons] tailored to the audience's [SKILL LEVEL, e.g., beginners, intermediate, or advanced]. Provide clear, jargon-free explanations, real-world examples, and actionable steps to improve financial health. Ensure the content is culturally sensitive and adaptable to [REGION-SPECIFIC FINANCIAL PRACTICES].