Educação financeira e as decisões de poupança, investimento e Endividamento: um estudo comparativo entre os millennials e a Geração z

Abstract

This research aims to analyze the level of knowledge about the concepts of financial education and identify the attitude towards financial decisions of the Millennial generations, also known as Y and generation Z. As for the research approach method, it is about a quantitative, descriptive, bibliographical and Survey study. For the data collection procedure, the questionnaire was adapted based on studies carried out by Lucci et al. (2006) e Vieira, Bataglia e Sereia (2011) to contemplate the individuals belonging to each generation, in addition to tracing the socioeconomic profile of the respondents. The research findings came from the responses of 126 individuals, 50 members of the Millennial generation and 76 members of the Z generation. The results showed that millennials have a greater ability to manipulate concepts related to financial education and apply them in practice, have a habit of saving, are conservative and are more indebted. It was also possible to perceive the financial attitude of the Generation Z respondents of those who felt reasonably secure with their knowledge, is a generation that is more willing to take risks, are less indebted and do not have a habit of saving in the long run.