Among other things, the results of this study should help us better understand whether financial education leads to changes in behavior for participants in general or only for those at critical teaching moments, such as the period before making a major financial decision such as choosing a mortgage.
More focus should be placed on the efficiency of government expenditure, to ensure that it is of the type that is likely to generate growth, and not simply be an irreversible increase of social expenditure. Furthermore, expenditure that is likely to crowd in private sector investment would be even more appropriate. But the focus does not need to be only on expenditure.