Gradski ured za obrazovanje, Zagreb, Hrvatska , Zagreb , Croatia
In recent times, and especially in the conditions of crisis, the rapid development of the financial market, demographic changes, and technological innovations, the financial education of citizens has become necessary for successfully mastering and dealing with life changes. The question of financial literacy emerges as one of the main prerequisites for achieving a better life for individuals, the future long-term stability of the financial sector, and the economy as a whole. In this sense, one of the key policies and strategic goals of individual countries is precisely the increase in financial literacy and the education of citizens on this topic. Smart and responsible management of one's own finances is a key life skill that is currently not sufficiently represented as part of formal education in our region. Considering that the financial decisions of individuals directly affect the development of the economy and the labor market, financial education is the primary responsibility of each state, and well-prepared programs, strategies, and action plans are a prerequisite for the structured and equal implementation of financial education with the aim of strengthening financial resilience.
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