A Note Before We Start I spent the last two weeks buried in OECD reports, NITI Aayog data, and German government statistics, trying to find real numbers to back up everything I've written about India and Germany so far. Some of what I found confirmed what I suspected. Some of it surprised me. And one thing genuinely stopped me: neither India nor Germany actually has a directly comparable teen financial literacy score, because neither country participated in the 2022 PISA fina