Educação financeira: a relevância do conhecimento dos alunos do ensino médio em finanças pessoas no Brasil e nos Estados Unidos

Abstract

This work has the objective to analyze the perception of High School students in Brazil and in the United States in the importance of finances throughout their school years. Utilizing a questionare as the application that was used to devide social-economics, demographics, financial education, personal finances and financial behavior profiles, utilizing the Likert scale by students within the course. The research has a sample with a total of 316 questionaires applied, having 197 applied in Brazil and 119 in the United States, accomplished in the month of March and April, with discreet analysis. From the analysis of the results, it was verified that a good part of the students, of both countries, 37,06% in Brazil and 32,76% in the United States, affirms that they do not have any discipline that conveys some financial knowledge; Financial independence as fast as possible, the majority was found with 57.86% in Brazil and 23.52% in the United States, and 70.04% and 67.24%, respectively, declare the importance of A healthy financial lifestyle. Lastly, it can be confirmed that 70,56% of Brazilian students and 40,34% of American students feel the need and importance to learn about financial education within their schools. In this matter the insertion of this content is to contribute with intensity in the formation of a critic citizen with the capacity to make their own financial decisions.