Planejamento Financeiro Pessoal: Estratégias e Comportamento do Consumidor Brasileiro Autônomo

Abstract

This paper addresses the topic: Personal Financial Planning: Strategies and Behavior of the Brazilian Self-Employed Consumer, where the high rate of informality and variation in monthly income have contributed to the vulnerability of the financial income group. Thus, the central problem arises: the difficulty of the self-employed in maintaining a sustainable financial organization in the face of the instability of their income. This work aims to analyze the importance of financial planning in contributing to the economic stability of self-employed workers. The methodology involved a literature review on financial behavior, planning, and challenges faced by self-employed professionals in Brazil. The analysis considered emotional, social, and cultural factors that influence financial decisions, as well as the limited access to credit and financial education. The results indicate that the adoption of financial planning strategies, combined with financial education, has improved economic security, allowing for greater preparedness for unforeseen events and for the future of all.