Planejamento financeiro para jovens universitários ingressantes no mercado de trabalho

Abstract

This research aimed to identify and analyze how young people (college students, paid interns, and those entering the job market) manage their own income financially, contrasting the level of planning in their social routine versus the imminent consumerism. This dilemma is caused by the representation of the status quo provided by the consumption of specific goods, which makes the well being that comes from financial education impossible. Previous studies and discussions in the area show, historically, the behavior of youth (most manage finances intuitively, not seeking more than the basic knowledge of interest from school and inheriting family notions) and describe that financial decontrol generates impact on the physical and emotional of individuals. Such studies are compared to the research data, demonstrating the particularities of the target audience, from an analysis focused on personal finance and financial education. Having this a notion (between basic and intermediate) of the importance of having knowledge in the area and how this adds to their income control, however they still perceive themselves as consumerist and influenced in their consumption pattern by the media, which reveals how there is still room for evolution in this awareness through more knowledge.