A importânncia da educação financeira no ensio médio e seu papel na construção do projeto de vida dos adolescentes

Abstract

Financial education has gained increasing prominence in the current educational context, especially in high school, a stage in which adolescents begin to develop greater autonomy, define goals, and build perspectives for the future. Amid economic and social transformations marked by excessive consumerism, immediacy, and the influence of digital technologies, are prematurely exposed to financial practices without adequate preparation to deal with planning, resource management, and conscious decision-making. In this context, the present study aimed to understand how financial education in high school can contribute to the construction of adolescents’ life projects, analyzing the impacts of its presence or absence in school education. The research, conducted during the first semester of 2026, adopted a qualitative approach supported by quantitative data, with an exploratory and descriptive nature. The study was developed through bibliographic research and the application of a structured questionnaire via Microsoft Forms to a sample of 128 participants, including high school and higher education students. The results demonstrated that financial education plays a significant role in the comprehensive development of young people, contributing to the development of autonomy, critical thinking, conscious consumption, and planning skills, aspects that directly influence the construction of more structured, secure, and aligned life projects according to adolescents’ personal, academic, and professional perspectives.