Around when I was getting started with Japanese, I studied around 1k of core vocab with Anki. Not that it wasn’t repetitive. The thing with learning language (IMO) is that it’s a lot more fun and easy to stick with if you find something enjoyable to practice with. Maybe in your case that’s reading really simple stories or something like that. BTW, I’d also recommend Cure Dolly for grammar.

Higher interest rates means they have more pressure to start being profitable is my guess.