Short answer: yes 😞
Challenges help you qualify for a salary advance. If something in your money changes, Cleo might ask you to retake some challenges to get it back up to a level where she can offer a salary advance to you.
For example, you might be asked to spend less for the next 2 weeks. It means that you improve your money situation, and Cleo’s more confident that you’ll be able to pay her back.
You can check on your challenges any time by saying ‘Cleo Score’ to Cleo in chat.