A importância da educação financeira na infância e sua integração no currículo escolar

Abstract

This article addresses the importance of financial education in childhood and its integration into the school curriculum, with a focus on the Brazilian context, where social and educational inequalities are significant. Financial education is analyzed not only as a practical skill for money management but as a formative process aimed at building critical and aware citizens. The proposal to include this theme from the early years of schooling is seen as fundamental for the formation of ethical and social values, promoting an understanding of responsible consumption, sustainability, and financial citizenship. The research highlights the relevance of addressing financial education in a transversal manner, integrating it with other areas of knowledge, and emphasizes the need for pedagogical practices that take into account the diverse socioeconomic realities of students. The National Common Curricular Base (BNCC) is mentioned as an important guideline, but the article also warns that its implementation depends on a collective effort among educators, schools, families, and public policies to ensure meaningful and transformative financial education. Initiatives such as the “Aprender Valor” program and the National Financial Education Strategy (ENEF) are presented as positive examples, but they require continuity and further development. Ultimately, the article concludes that financial education is not only a technical skill but a fundamental right that contributes to the reduction of social inequalities and the formation of a more equitable and sustainable society.