taloustietoisuus
Taloustietoisuus refers to the knowledge, skills, and confidence needed to manage financial resources effectively. It covers understanding how money works, budgeting, saving, borrowing, investing, and planning for major life events. It also includes awareness of financial products, consumer rights, the costs of credit, and online security in digital financial transactions.
Key competencies include creating and following a personal or household budget, tracking income and expenses, setting
The concept is linked to financial well-being and resilience. Higher taloustietoisuus is associated with better money
Education and policy efforts aim to improve taloustietoisuus through school curricula, adult education, workplace training, and
Challenges include unequal access to education, language and cultural differences, age-related gaps, and the digital divide.