ANDY'S ANSWER: Yes, you have started puberty. Not everyone has all the same symptoms at the same time, and you will develop facial hair and underarm hair when your body decides the time is right. I'm fairly certain that your penis has started to grow, but you just may not be noticing the difference yet. Also, you just may not be producing a full load of semen yet which is why it is still clear. Puberty is a journey that takes several years and you're just at the beginning stages so don't worry that some things haven't happened yet.