Gestão das finanças pessoais dos jovens ingressantes no mercado de trabalho

Abstract

This study aims to assess the knowledge of young people in the job market regarding personal financial management. Thus, the aim is to analyze the main concepts and practices of personal financial management adopted by young people and to identify the tools and strategies that allow for adequate resource planning, expense control, and the achievement of short, medium, and long-term financial goals. The choice of this topic is justified by the observation of the current scenario, in which many people, even with access to a variety of information about finances, still face difficulties in managing their resources. The target audience for the study were young apprentices from the Rede Cidadã in the city of Governador Valadares (MG). Considering the increase in the insertion of young people in the job market and the challenges of managing income consciously, the research sought to understand how these young people deal with financial planning, debt, and investments at the beginning of their professional careers. The study has great social and scientific relevance, since it can serve as a basis for future studies and broaden the debate on the importance of financial education for the economic well-being of young people. The methodology adopted included the application of a questionnaire with multiple-choice questions to collect primary data. The questions addressed variables such as gender, age, debts, financial organization habits and behavior regarding investments. In total, 159 young people participated in the survey. The results indicate that, although there is a growing concern with personal finances, many of these young people still face practical difficulties, use few control tools, have early access to credit and demonstrate little involvement with investments. The data reinforce the need for ongoing financial education, aligned with the reality and language of Brazilian youth, as a way to encourage greater autonomy and responsibility in financial decisions.