<h1>Financial literacy: targeted school programs significantly improve student money management skills, urging curriculum integration and stakeholder collaboration.</h1> The NFO 2024 report finds significant gaps in student financial literacy and shows that targeted, age appropriate instruction delivered through a two stage, gamified Olympiad substantially raised basic financial literacy among participants. Covering money management, banking, investments, loans, credit scores and tax planning, the NFO model improved engagement and comprehension in key topics without disrupting school schedules and calls for coordinated action by schools, policymakers and financial organisations to embed financial education as a core life skill.