In the current world economic scenario, financial education has been seen by experts as necessary for the organization of the budget. A study carried out by the American university Boston College, pointed out that eight out of ten professionals worry about their finances, causing a negative impact on productivity. Faced with people's growing interest in getting their finances in order, courses and lectures on financial education for employees began to expand in Brazil.


Many employees struggle to understand basic financial and investment issues and often fail to realize the many benefits offered in the workplace. A financial education program can help with this understanding and also help your employees make well-informed decisions throughout their careers. The benefits of financial education are far-reaching. In fact, it forms the foundation of an abundant life. Planning your finances properly improves self-esteem and earns the respect of friends and family. When people know how to make prudent financial decisions, they avoid the common pitfalls of those who don't. Without financial education, people can make bad decisions about their money and have a negative impact on every aspect of their life.


People with adequate training make better financial decisions and manage money better than those without that training. The benefits of financial education are being realized when participants complete a program that induces real and positive behavioral changes in financial matters. These benefits include having less debt, the ability to manage household finances more skillfully, making well-informed investment decisions that will produce greater personal wealth, and a host of other habits that promote a happier life.


Financial education also empowers people. Without it, anything resembling credit, interest rates, or investments is intimidating and puts individuals at a disadvantage. When people are well versed in the state of their finances, they have the information they need to take action, modify their investment portfolio, or continue with their current strategy. Understanding your finances helps reduce your risk of becoming a victim of fraud. Some tactics are easy to believe, especially when they come from someone who seems knowledgeable and well-meaning. By obtaining basic financial education, the professional is continually building on the information he has learned in the past and using it in his personal finances. He learns the importance of earning, saving and managing his debt, which leads to becoming a financially responsible adult, as well as having the knowledge to wisely decide how to pay for college, a car or even a mortgage, and you will know the consequences of accumulating debt, of budget-shortening purchases, and of predatory, high-interest lenders.


An employee's motivation is also linked to factors external to the company, including financial imbalances that can interfere with productivity. The employee's financial health reflects on the company. Therefore, implementing financial education in companies is a big step towards changing this negative impact and ensuring more confident and self-sufficient employees.


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