Update README.md

README.md

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 ---
-base_model: togethercomputer/Meta-Llama-3.3-70B-Instruct-Reference
-library_name: peft
+license: llama3.3
+base_model: meta-llama/Llama-3.3-70B-Instruct
+language:
+- en
+library_name: transformers
+pipeline_tag: text-generation
+tags:
+- finance
+- financial-literacy
+- investment
+- banking
+- budgeting
+- accounting
+- lora
+- instruction-tuning
+- llama-3
+- adaption-labs
+datasets:
+- RayNene/MyFinanceExpert
 ---
 
-# Model Card for Model ID
+# MyFinanceExpertModel
 
-<!-- Provide a quick summary of what the model is/does. -->
+> **Helping people make more informed financial decisions through accessible AI.**
 
+*A finance-specialized LoRA adaptation of Llama 3.3 70B Instruct.*
 
+---
 
-## Model Details
-
-### Model Description
-
-<!-- Provide a longer summary of what this model is. -->
-
-
-
-- **Developed by:** [More Information Needed]
-- **Funded by [optional]:** [More Information Needed]
-- **Shared by [optional]:** [More Information Needed]
-- **Model type:** [More Information Needed]
-- **Language(s) (NLP):** [More Information Needed]
-- **License:** [More Information Needed]
-- **Finetuned from model [optional]:** [More Information Needed]
-
-### Model Sources [optional]
-
-<!-- Provide the basic links for the model. -->
-
-- **Repository:** [More Information Needed]
-- **Paper [optional]:** [More Information Needed]
-- **Demo [optional]:** [More Information Needed]
-
-## Uses
-
-<!-- Address questions around how the model is intended to be used, including the foreseeable users of the model and those affected by the model. -->
-
-### Direct Use
-
-<!-- This section is for the model use without fine-tuning or plugging into a larger ecosystem/app. -->
-
-[More Information Needed]
-
-### Downstream Use [optional]
-
-<!-- This section is for the model use when fine-tuned for a task, or when plugged into a larger ecosystem/app -->
-
-[More Information Needed]
-
-### Out-of-Scope Use
-
-<!-- This section addresses misuse, malicious use, and uses that the model will not work well for. -->
-
-[More Information Needed]
-
-## Bias, Risks, and Limitations
-
-<!-- This section is meant to convey both technical and sociotechnical limitations. -->
-
-[More Information Needed]
-
-### Recommendations
-
-<!-- This section is meant to convey recommendations with respect to the bias, risk, and technical limitations. -->
-
-Users (both direct and downstream) should be made aware of the risks, biases and limitations of the model. More information needed for further recommendations.
-
-## How to Get Started with the Model
-
-Use the code below to get started with the model.
-
-[More Information Needed]
-
-## Training Details
+## Why this model exists
 
-### Training Data
+Money influences almost every major life decision, yet financial education often arrives too late—or not at all.
 
-<!-- This should link to a Dataset Card, perhaps with a short stub of information on what the training data is all about as well as documentation related to data pre-processing or additional filtering. -->
+Many people receive their first salary without ever learning how to build a budget. Others sign loan agreements without fully understanding interest rates, struggle to compare financial products, or fall victim to increasingly sophisticated scams. For many, professional financial advice is either too expensive, difficult to access, or filled with technical language that makes important decisions even harder.
 
-[More Information Needed]
+At the same time, AI has become one of the first places people turn to for answers.
 
-### Training Procedure
+That creates an opportunity—and a responsibility.
 
-<!-- This relates heavily to the Technical Specifications. Content here should link to that section when it is relevant to the training procedure. -->
+MyFinanceExpertModel was built to make financial knowledge more approachable by helping language models explain financial concepts with greater clarity, context, and practical guidance. Rather than simply generating answers, the goal is to support better financial understanding and encourage informed decision-making.
 
-#### Preprocessing [optional]
+---
 
-[More Information Needed]
+## 🚀 How to Use
 
+This repository contains **LoRA adapter weights** for **Llama 3.3 70B Instruct**.
 
-#### Training Hyperparameters
+First, load the base model, then apply the adapter:
 
-- **Training regime:** [More Information Needed] <!--fp32, fp16 mixed precision, bf16 mixed precision, bf16 non-mixed precision, fp16 non-mixed precision, fp8 mixed precision -->
+```python
+from transformers import AutoModelForCausalLM, AutoTokenizer
+from peft import PeftModel
 
-#### Speeds, Sizes, Times [optional]
+BASE_MODEL = "meta-llama/Llama-3.3-70B-Instruct"
+ADAPTER = "RayNene/MyFinanceExpertModel"
 
-<!-- This section provides information about throughput, start/end time, checkpoint size if relevant, etc. -->
+tokenizer = AutoTokenizer.from_pretrained(BASE_MODEL)
 
-[More Information Needed]
+base_model = AutoModelForCausalLM.from_pretrained(
+    BASE_MODEL,
+    device_map="auto"
+)
 
-## Evaluation
+model = PeftModel.from_pretrained(
+    base_model,
+    ADAPTER
+)
+```
 
-<!-- This section describes the evaluation protocols and provides the results. -->
+---
 
-### Testing Data, Factors & Metrics
+## 💬 Prompting Tips
 
-#### Testing Data
+The model performs best when given realistic financial scenarios rather than short keyword prompts.
 
-<!-- This should link to a Dataset Card if possible. -->
+### Good prompts
 
-[More Information Needed]
+```
+I'm 23 and just received my first salary. Can you help me create a monthly budget that balances rent, savings, emergency funds, and discretionary spending?
+```
 
-#### Factors
+```
+Compare a fixed-rate mortgage and an adjustable-rate mortgage. Which situations is each best suited for?
+```
 
-<!-- These are the things the evaluation is disaggregating by, e.g., subpopulations or domains. -->
+```
+I have a credit card with a 22% annual interest rate and a personal loan with a lower interest rate. Which debt should I prioritize paying off first, and why?
+```
 
-[More Information Needed]
+```
+A company reports revenue growth but declining net income. What financial factors could explain this?
+```
 
-#### Metrics
+```
+How can I identify common investment scams before committing my money?
+```
 
-<!-- These are the evaluation metrics being used, ideally with a description of why. -->
+---
 
-[More Information Needed]
+## 💡 Best Practices
 
-### Results
+For the highest-quality responses:
 
-[More Information Needed]
+- Provide relevant financial context.
+- Specify your country or region if asking about taxes or regulations.
+- Mention your goals (saving, investing, budgeting, debt repayment, retirement, etc.).
+- Ask follow-up questions for deeper explanations.
 
-#### Summary
+For example, instead of asking:
 
+> "Should I invest?"
 
+Try:
 
-## Model Examination [optional]
+> "I'm a recent graduate with \$5,000 in savings, no debt, and a five-year investment horizon. What investment approaches should I research, and what are the risks of each?"
 
-<!-- Relevant interpretability work for the model goes here -->
+---
 
-[More Information Needed]
+## ⚠️ Important Notice
 
-## Environmental Impact
+MyFinanceExpertModel is intended for **education and research**. Although adapted for financial topics, it should not replace advice from licensed financial, tax, legal, or investment professionals.
 
-<!-- Total emissions (in grams of CO2eq) and additional considerations, such as electricity usage, go here. Edit the suggested text below accordingly -->
+Always verify important financial information before making significant financial decisions.
 
-Carbon emissions can be estimated using the [Machine Learning Impact calculator](https://mlco2.github.io/impact#compute) presented in [Lacoste et al. (2019)](https://arxiv.org/abs/1910.09700).
 
-- **Hardware Type:** [More Information Needed]
-- **Hours used:** [More Information Needed]
-- **Cloud Provider:** [More Information Needed]
-- **Compute Region:** [More Information Needed]
-- **Carbon Emitted:** [More Information Needed]
+## What it specializes in
 
-## Technical Specifications [optional]
+The model has been adapted for a wide range of financial topics, including:
 
-### Model Architecture and Objective
+- Personal finance
+- Budgeting
+- Saving and investing
+- Banking
+- Credit cards and loans
+- Mortgages
+- Insurance
+- Taxes
+- Accounting
+- Corporate finance
+- Financial literacy
+- Fraud detection
+- Scam awareness
+- Risk management
 
-[More Information Needed]
+---
 
-### Compute Infrastructure
+## Model Information
 
-[More Information Needed]
+**Base Model**
 
-#### Hardware
+`meta-llama/Llama-3.3-70B-Instruct`
 
-[More Information Needed]
+---
 
-#### Software
+## Training Data
 
-[More Information Needed]
+The model was adapted using **FinanceExpert Dataset**, a finance-focused instruction tuning dataset containing enhanced prompts, enriched responses, and semantically processed examples covering real-world financial scenarios.
 
-## Citation [optional]
+The dataset is publicly available on Hugging Face.
 
-<!-- If there is a paper or blog post introducing the model, the APA and Bibtex information for that should go in this section. -->
+---
 
-**BibTeX:**
+## Intended Use
 
-[More Information Needed]
+This model is designed for:
 
-**APA:**
+- Financial education
+- Personal finance assistants
+- Banking support chatbots
+- Financial literacy applications
+- Research into domain-adapted language models
+- Conversational financial guidance
 
-[More Information Needed]
+---
 
-## Glossary [optional]
+## Limitations
 
-<!-- If relevant, include terms and calculations in this section that can help readers understand the model or model card. -->
+Although adapted for financial topics, this model is **not** a substitute for licensed financial, tax, legal, or investment professionals.
 
-[More Information Needed]
+Responses should be treated as educational information and verified before making significant financial decisions.
 
-## More Information [optional]
+---
 
-[More Information Needed]
+## Vision
 
-## Model Card Authors [optional]
+Access to financial knowledge should not depend on income, geography, or prior experience.
 
-[More Information Needed]
+By openly releasing both the model and its training dataset, this project aims to contribute to a future where trustworthy financial education is easier to access for everyone.
 
-## Model Card Contact
+---
 
-[More Information Needed]
-### Framework versions
+## Acknowledgements
 
-- PEFT 0.15.1
+Developed as part of the **Adaptation Labs AutoScientist Challenge**, supporting the development of open, domain-specialized language models.