PERSONAL AND FINANCIAL MANAGEMENT STRATEGIES AMONG YOUNG BRAZILIAN ENTREPRENEURS

Abstract

This study analyzes how young Brazilian entrepreneurs structure their personal and financial management strategies, acknowledging that individual financial behaviors directly influence the performance of early-stage businesses. The research problem arises from the observation that many young entrepreneurs begin their ventures with limited financial education, which weakens decision-making processes, increases vulnerability, and compromises business continuity. Therefore, the study aims to examine how personal practices of planning, organization and financial control guide entrepreneurial decisions, as well as to identify relationships among financial literacy, decision-making and business sustainability. A bibliographic review methodology was adopted, enabling the compilation and interpretation of recent theoretical contributions on financial education, youth economic behavior and entrepreneurial management. The results indicate that the lack of basic financial skills generates instability such as cash flow disorganization, impulsive decisions and difficulty in distinguishing personal and business finances, while those with stronger conceptual knowledge demonstrate improved planning, analytical capacity and adaptability. It is concluded that personal financial management is a structuring element for strengthening young entrepreneurial initiatives, suggesting that financial education policies and formative processes can significantly enhance managerial maturity and the sustainability of emerging businesses.