| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | financial literacy | Germany | Preference for conservative, low-risk investment strategies | 1 |
| 2 | financial recordkeeping software | Germany | Commonly used for personal and business financial management | 1 |
| 3 | financial records | Germany | Necessary for tax compliance and financial planning | 1 |
| 4 | financial success | Germany | Financial success is associated with financial security and planning for the future. | 1 |