Educación financiera de los jóvenes en la actualidad

The lack of financial education and its importance for today's youth, as well as the consequences of over-indebtedness and the lack of financial education programs, are identified through bibliographic and documented research by several authors in Google Scholar, the journal Convicciones, Scielo, and economics journals. It is identified that few young people have the opportunity to pursue financial education. The worrying lack of financial culture leads to making inappropriate economic decisions and uncontrolled debt. However, we describe the importance of teaching young people to differentiate between needs and desires, controlling their emotions to avoid impulsive financial decisions. We believe that financial education should be integrated as an educational method in schools, teaching basic concepts such as income, expenses, savings, and investment, as well as promoting skills for making smart decisions throughout their financial lives. Schools and families play a very important role in educating students and children with extracurricular programs that provide our youth with knowledge and real-life skills in financial education. Good, comprehensive financial education addresses not only technical aspects but also emotional ones. This involves preparing young people to make informed and responsible financial decisions in the future. It also involves implementing a savings and investment model to foster a financial strategy, resulting in young people developing both professional and personal skills. Financial education is key to fostering this culture.