{"id":3548,"date":"2026-06-17T12:12:17","date_gmt":"2026-06-17T17:12:17","guid":{"rendered":"https:\/\/blog.nu.com\/sem-categoria\/how-to-teach-your-kids-and-teens-about-money-four-steps-that-actually-stick\/"},"modified":"2026-06-18T15:32:30","modified_gmt":"2026-06-18T20:32:30","slug":"how-to-teach-your-kids-and-teens-about-money-four-steps-that-actually-stick","status":"publish","type":"post","link":"https:\/\/blog.nu.com\/pt-br\/financas\/familia\/how-to-teach-your-kids-and-teens-about-money-four-steps-that-actually-stick\/","title":{"rendered":"Como ensinar seus filhos sobre dinheiro \u2014 4 passos que realmente funcionam"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Apenas 21% dos brasileiros se consideram preparados para tomar decis\u00f5es financeiras, segundo o<a href=\"https:\/\/www.anbima.com.br\/pt_br\/especial\/raio-x-do-investidor.htm\"> Raio X do Investidor da Anbima<\/a>. Isso significa que a maioria de n\u00f3s aprendeu sobre dinheiro na base da tentativa e erro.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A boa not\u00edcia: jovens querem aprender.<a href=\"https:\/\/www.oecd.org\/en\/topics\/financial-education.html\"> Pesquisas da OCDE<\/a> mostram que adolescentes que recebem educa\u00e7\u00e3o financeira desde cedo tomam decis\u00f5es melhores na vida adulta. Eles est\u00e3o prontos. A quest\u00e3o \u00e9 por onde come\u00e7ar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e1bitos financeiros se formam cedo. O que seus filhos aprendem \u2014 ou deixam de aprender \u2014 sobre dinheiro agora molda as decis\u00f5es que v\u00e3o tomar quando forem adultos. Este guia traz cinco passos pr\u00e1ticos que voc\u00ea pode come\u00e7ar hoje, em qualquer idade. Sem serm\u00e3o.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>1. Comece a conversa sobre dinheiro cedo<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Crian\u00e7as j\u00e1 entendem o conceito de compra e venda a partir dos 3 anos. Isso \u00e9 pesquisa<a href=\"https:\/\/www.finra.org\/investors\/insights\/financial-education-kids\"> da FINRA<\/a> \u2014 n\u00e3o um palpite.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Voc\u00ea n\u00e3o precisa de um plano de aula. Use o dia a dia:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No supermercado, explique por que voc\u00ea escolhe uma marca e n\u00e3o outra<\/li>\n\n\n\n<li>Nas compras online, converse sobre quanto as coisas custam<\/li>\n\n\n\n<li>No jantar, fale que trabalho gera renda e renda paga as contas<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Para os mais novos, a mensagem \u00e9 simples: dinheiro se ganha, n\u00e3o \u00e9 infinito. Para pr\u00e9-adolescentes, inclua-os nas conversas sobre o or\u00e7amento da casa. O Banco Central do Brasil tamb\u00e9m oferece materiais de educa\u00e7\u00e3o financeira para jovens se voc\u00ea quiser um ponto de partida estruturado.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O objetivo n\u00e3o \u00e9 perfei\u00e7\u00e3o. E tornar dinheiro um assunto normal e seguro em casa.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>2. Torne o or\u00e7amento real com pratica<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Falar sobre or\u00e7amento s\u00f3 leva at\u00e9 certo ponto. Crian\u00e7as aprendem fazendo.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De ao seu filho um valor fixo \u2014 mesada, dinheiro de anivers\u00e1rio, o que funcionar. Depois, deixe ele decidir como gastar. Para adolescentes, tente acompanhar receita e despesa, mesmo com valores pequenos.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Uma estrutura simples ajuda. A regra 50\/30\/20 funciona bem para adolescentes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>50% para necessidades<\/li>\n\n\n\n<li>30% para desejos<\/li>\n\n\n\n<li>20% para poupanca<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Deixe-os errar com valores pequenos agora. Isso sai muito mais barato do que aprender com valores grandes depois.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>3. Construa o h\u00e1bito de poupar antes que o de gastar tome conta<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">&#8220;Poupan\u00e7a&#8221; no abstrato n\u00e3o motiva ningu\u00e9m \u2014 muito menos crian\u00e7as. Comece com uma meta concreta. Ingressos para um show. Um videogame. Uma viagem.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Depois, quebre em partes: quanto por semana para chegar l\u00e1?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Para os menores, quadros visuais de economia ou potinhos separados tornam o progresso vis\u00edvel. Para adolescentes, uma conta poupan\u00e7a dedicada funciona melhor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Um conceito que vale apresentar cedo: a Regra dos 72. D\u00edvida 72% pela taxa de juros e voc\u00ea descobre em quantos anos seu dinheiro dobra. A 6% ao ano, a poupan\u00e7a dobra em 12 anos. Essa conta faz a paci\u00eancia parecer valer a pena. Use a<a href=\"https:\/\/www.investor.gov\/financial-tools-calculators\/calculators\/compound-interest-calculator\"> calculadora de juros compostos<\/a> do Investor.gov para mostrar os n\u00fameros ao seu filho.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>4. Apresente cr\u00e9dito e d\u00e9bito \u2014 antes que eles descubram sozinhos<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Cr\u00e9dito n\u00e3o \u00e9 o vil\u00e3o. N\u00e3o entender cr\u00e9dito e que e.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Comece conversas adequadas a cada idade:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Crian\u00e7as pequenas: &#8220;Dinheiro emprestado precisa ser devolvido, geralmente com um custo.&#8221;<\/li>\n\n\n\n<li>Pr\u00e9-adolescentes: empreste um valor pequeno para algo que querem. Criem juntos um plano de pagamento.<\/li>\n\n\n\n<li>Adolescentes: explique score de cr\u00e9dito, taxas de juros e por que pagar o valor total \u00e9 melhor do que pagar o m\u00ednimo.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">A Regra dos 72 tamb\u00e9m funciona para d\u00edvidas. A 18% de juros, o saldo de um cart\u00e3o de cr\u00e9dito dobra em apenas 4 anos.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Educa\u00e7\u00e3o financeira e uma pratica, nao uma conversa \u00fanica<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Voc\u00ea n\u00e3o precisa cobrir tudo de uma vez. Comece de onde est\u00e1, com o que tem. Uma conversa no supermercado aos 5 anos importa tanto quanto uma aula sobre score de cr\u00e9dito aos 16.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pequenos passos agora rendem grandes resultados l\u00e1 na frente \u2014 assim como a poupan\u00e7a que voc\u00ea est\u00e1 ensinando.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Perguntas frequentes<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Com que idade devo come\u00e7ar a ensinar meu filho sobre dinheiro?<\/strong><strong><br><\/strong>A partir dos 3 anos.<a href=\"https:\/\/www.finra.org\/investors\/insights\/financial-education-kids\"> Pesquisas da FINRA<\/a> mostram que crian\u00e7as j\u00e1 conseguem entender conceitos b\u00e1sicos de compra e venda nessa idade. Comece com conversas simples e v\u00e1 construindo a partir da\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>O que \u00e9 a regra 50\/30\/20 para crian\u00e7as?<\/strong><strong><br><\/strong>\u00c9 um m\u00e9todo de or\u00e7amento: 50% para necessidades, 30% para desejos, 20% para poupan\u00e7a. Para crian\u00e7as menores, simplifique com tr\u00eas potinhos \u2014 gastar, guardar, doar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>As escolas ensinam educa\u00e7\u00e3o financeira para adolescentes?<\/strong><strong><br><\/strong>Algumas sim. O Brasil inclui educa\u00e7\u00e3o financeira na Base Nacional Comum Curricular (BNCC), mas a implementa\u00e7\u00e3o varia muito entre escolas. Por isso, conversas em casa fazem tanta diferen\u00e7a. O Banco Central oferece<a href=\"https:\/\/www.bcb.gov.br\/cidadaniafinanceira\"> materiais gratuitos de educa\u00e7\u00e3o financeira<\/a> para ajudar a preencher essas lacunas.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Acesso Exclusivo<\/strong><\/h2>\n\n\n\n<p class=\"open-lead-form wp-block-paragraph\">Estamos chegando aos Estados Unidos e a muitos outros pa\u00edses. Receba atualiza\u00e7\u00f5es exclusivas e descubra quando se inscrever no Nu clicando&nbsp;<a href=\"https:\/\/www.nu.com\/2026-pt\">aqui<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Aprenda 4 passos pr\u00e1ticos para ensinar seus filhos sobre dinheiro. Or\u00e7amento, poupan\u00e7a, cr\u00e9dito e ferramentas reais para construir h\u00e1bitos financeiros desde cedo.<\/p>\n","protected":false},"author":16,"featured_media":3547,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[90,66],"tags":[],"class_list":["post-3548","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-familia","category-financas"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Como ensinar seus filhos sobre dinheiro \u2014 4 passos que realmente funcionam - blog.nu.com<\/title>\n<meta name=\"description\" content=\"Aprenda 4 passos pr\u00e1ticos para ensinar seus filhos e adolescentes sobre dinheiro. Orcamento, poupanca, credito e ferramentas reais para construir h\u00e1bitos financeiros desde cedo.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blog.nu.com\/pt-br\/financas\/familia\/how-to-teach-your-kids-and-teens-about-money-four-steps-that-actually-stick\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Como ensinar seus filhos sobre dinheiro \u2014 4 passos que realmente funcionam - blog.nu.com\" \/>\n<meta property=\"og:description\" content=\"Aprenda 4 passos pr\u00e1ticos para ensinar seus filhos e adolescentes sobre dinheiro. Orcamento, poupanca, credito e ferramentas reais para construir h\u00e1bitos financeiros desde cedo.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/blog.nu.com\/pt-br\/financas\/familia\/how-to-teach-your-kids-and-teens-about-money-four-steps-that-actually-stick\/\" \/>\n<meta property=\"og:site_name\" content=\"blog.nu.com\" \/>\n<meta property=\"article:published_time\" content=\"2026-06-17T17:12:17+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-18T20:32:30+00:00\" \/>\n<meta name=\"author\" content=\"Nathalia R\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/blog.nu.com\/wp-content\/uploads\/2026\/04\/2026_Nubank_PhotoLibrary_BackYardBbqPlaying_Grass_01813-2-1.png\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Nathalia R\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. tempo de leitura\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/blog.nu.com\\\/pt-br\\\/financas\\\/familia\\\/how-to-teach-your-kids-and-teens-about-money-four-steps-that-actually-stick\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/blog.nu.com\\\/pt-br\\\/financas\\\/familia\\\/how-to-teach-your-kids-and-teens-about-money-four-steps-that-actually-stick\\\/\"},\"author\":{\"name\":\"Nathalia R\",\"@id\":\"https:\\\/\\\/blog.nu.com\\\/pt-br\\\/#\\\/schema\\\/person\\\/04d5a065f3ca410ecc41fa9f802e157b\"},\"headline\":\"Como ensinar seus filhos sobre dinheiro \u2014 4 passos que realmente funcionam\",\"datePublished\":\"2026-06-17T17:12:17+00:00\",\"dateModified\":\"2026-06-18T20:32:30+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/blog.nu.com\\\/pt-br\\\/financas\\\/familia\\\/how-to-teach-your-kids-and-teens-about-money-four-steps-that-actually-stick\\\/\"},\"wordCount\":822,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/blog.nu.com\\\/pt-br\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/blog.nu.com\\\/pt-br\\\/financas\\\/familia\\\/how-to-teach-your-kids-and-teens-about-money-four-steps-that-actually-stick\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/blog.nu.com\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/2026_Nubank_PhotoLibrary_BackYardBbqPlaying_Grass_01813-2-1.png\",\"articleSection\":[\"Familia\",\"Finan\u00e7as\"],\"inLanguage\":\"pt-BR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/blog.nu.com\\\/pt-br\\\/financas\\\/familia\\\/how-to-teach-your-kids-and-teens-about-money-four-steps-that-actually-stick\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/blog.nu.com\\\/pt-br\\\/financas\\\/familia\\\/how-to-teach-your-kids-and-teens-about-money-four-steps-that-actually-stick\\\/\",\"url\":\"https:\\\/\\\/blog.nu.com\\\/pt-br\\\/financas\\\/familia\\\/how-to-teach-your-kids-and-teens-about-money-four-steps-that-actually-stick\\\/\",\"name\":\"Como ensinar seus filhos sobre dinheiro \u2014 4 passos que realmente funcionam - blog.nu.com\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/blog.nu.com\\\/pt-br\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/blog.nu.com\\\/pt-br\\\/financas\\\/familia\\\/how-to-teach-your-kids-and-teens-about-money-four-steps-that-actually-stick\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/blog.nu.com\\\/pt-br\\\/financas\\\/familia\\\/how-to-teach-your-kids-and-teens-about-money-four-steps-that-actually-stick\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/blog.nu.com\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/2026_Nubank_PhotoLibrary_BackYardBbqPlaying_Grass_01813-2-1.png\",\"datePublished\":\"2026-06-17T17:12:17+00:00\",\"dateModified\":\"2026-06-18T20:32:30+00:00\",\"description\":\"Aprenda 4 passos pr\u00e1ticos para ensinar seus filhos e adolescentes sobre dinheiro. Orcamento, poupanca, credito e ferramentas reais para construir h\u00e1bitos financeiros desde cedo.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/blog.nu.com\\\/pt-br\\\/financas\\\/familia\\\/how-to-teach-your-kids-and-teens-about-money-four-steps-that-actually-stick\\\/#breadcrumb\"},\"inLanguage\":\"pt-BR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/blog.nu.com\\\/pt-br\\\/financas\\\/familia\\\/how-to-teach-your-kids-and-teens-about-money-four-steps-that-actually-stick\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"pt-BR\",\"@id\":\"https:\\\/\\\/blog.nu.com\\\/pt-br\\\/financas\\\/familia\\\/how-to-teach-your-kids-and-teens-about-money-four-steps-that-actually-stick\\\/#primaryimage\",\"url\":\"https:\\\/\\\/blog.nu.com\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/2026_Nubank_PhotoLibrary_BackYardBbqPlaying_Grass_01813-2-1.png\",\"contentUrl\":\"https:\\\/\\\/blog.nu.com\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/2026_Nubank_PhotoLibrary_BackYardBbqPlaying_Grass_01813-2-1.png\",\"width\":2790,\"height\":2000},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/blog.nu.com\\\/pt-br\\\/financas\\\/familia\\\/how-to-teach-your-kids-and-teens-about-money-four-steps-that-actually-stick\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/blog.nu.com\\\/pt-br\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Como ensinar seus filhos sobre dinheiro \u2014 4 passos que realmente funcionam\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/blog.nu.com\\\/pt-br\\\/#website\",\"url\":\"https:\\\/\\\/blog.nu.com\\\/pt-br\\\/\",\"name\":\"blog.nu.com\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/blog.nu.com\\\/pt-br\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/blog.nu.com\\\/pt-br\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"pt-BR\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/blog.nu.com\\\/pt-br\\\/#organization\",\"name\":\"blog.nu.com\",\"url\":\"https:\\\/\\\/blog.nu.com\\\/pt-br\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"pt-BR\",\"@id\":\"https:\\\/\\\/blog.nu.com\\\/pt-br\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/blog.nu.com\\\/wp-content\\\/uploads\\\/2026\\\/01\\\/cropped-Logo.png\",\"contentUrl\":\"https:\\\/\\\/blog.nu.com\\\/wp-content\\\/uploads\\\/2026\\\/01\\\/cropped-Logo.png\",\"width\":512,\"height\":512,\"caption\":\"blog.nu.com\"},\"image\":{\"@id\":\"https:\\\/\\\/blog.nu.com\\\/pt-br\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/blog.nu.com\\\/pt-br\\\/#\\\/schema\\\/person\\\/04d5a065f3ca410ecc41fa9f802e157b\",\"name\":\"Nathalia R\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"pt-BR\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/b37e0b9a563279805705a8d7035e30930bd52bc85b149760738187c012746463?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/b37e0b9a563279805705a8d7035e30930bd52bc85b149760738187c012746463?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/b37e0b9a563279805705a8d7035e30930bd52bc85b149760738187c012746463?s=96&d=mm&r=g\",\"caption\":\"Nathalia R\"},\"url\":\"https:\\\/\\\/blog.nu.com\\\/pt-br\\\/author\\\/nathalia-ruiz\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Como ensinar seus filhos sobre dinheiro \u2014 4 passos que realmente funcionam - blog.nu.com","description":"Aprenda 4 passos pr\u00e1ticos para ensinar seus filhos e adolescentes sobre dinheiro. Orcamento, poupanca, credito e ferramentas reais para construir h\u00e1bitos financeiros desde cedo.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/blog.nu.com\/pt-br\/financas\/familia\/how-to-teach-your-kids-and-teens-about-money-four-steps-that-actually-stick\/","og_locale":"pt_BR","og_type":"article","og_title":"Como ensinar seus filhos sobre dinheiro \u2014 4 passos que realmente funcionam - blog.nu.com","og_description":"Aprenda 4 passos pr\u00e1ticos para ensinar seus filhos e adolescentes sobre dinheiro. Orcamento, poupanca, credito e ferramentas reais para construir h\u00e1bitos financeiros desde cedo.","og_url":"https:\/\/blog.nu.com\/pt-br\/financas\/familia\/how-to-teach-your-kids-and-teens-about-money-four-steps-that-actually-stick\/","og_site_name":"blog.nu.com","article_published_time":"2026-06-17T17:12:17+00:00","article_modified_time":"2026-06-18T20:32:30+00:00","author":"Nathalia R","twitter_card":"summary_large_image","twitter_image":"https:\/\/blog.nu.com\/wp-content\/uploads\/2026\/04\/2026_Nubank_PhotoLibrary_BackYardBbqPlaying_Grass_01813-2-1.png","twitter_misc":{"Escrito por":"Nathalia R","Est. tempo de leitura":"4 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/blog.nu.com\/pt-br\/financas\/familia\/how-to-teach-your-kids-and-teens-about-money-four-steps-that-actually-stick\/#article","isPartOf":{"@id":"https:\/\/blog.nu.com\/pt-br\/financas\/familia\/how-to-teach-your-kids-and-teens-about-money-four-steps-that-actually-stick\/"},"author":{"name":"Nathalia R","@id":"https:\/\/blog.nu.com\/pt-br\/#\/schema\/person\/04d5a065f3ca410ecc41fa9f802e157b"},"headline":"Como ensinar seus filhos sobre dinheiro \u2014 4 passos que realmente funcionam","datePublished":"2026-06-17T17:12:17+00:00","dateModified":"2026-06-18T20:32:30+00:00","mainEntityOfPage":{"@id":"https:\/\/blog.nu.com\/pt-br\/financas\/familia\/how-to-teach-your-kids-and-teens-about-money-four-steps-that-actually-stick\/"},"wordCount":822,"commentCount":0,"publisher":{"@id":"https:\/\/blog.nu.com\/pt-br\/#organization"},"image":{"@id":"https:\/\/blog.nu.com\/pt-br\/financas\/familia\/how-to-teach-your-kids-and-teens-about-money-four-steps-that-actually-stick\/#primaryimage"},"thumbnailUrl":"https:\/\/blog.nu.com\/wp-content\/uploads\/2026\/04\/2026_Nubank_PhotoLibrary_BackYardBbqPlaying_Grass_01813-2-1.png","articleSection":["Familia","Finan\u00e7as"],"inLanguage":"pt-BR","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/blog.nu.com\/pt-br\/financas\/familia\/how-to-teach-your-kids-and-teens-about-money-four-steps-that-actually-stick\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/blog.nu.com\/pt-br\/financas\/familia\/how-to-teach-your-kids-and-teens-about-money-four-steps-that-actually-stick\/","url":"https:\/\/blog.nu.com\/pt-br\/financas\/familia\/how-to-teach-your-kids-and-teens-about-money-four-steps-that-actually-stick\/","name":"Como ensinar seus filhos sobre dinheiro \u2014 4 passos que realmente funcionam - blog.nu.com","isPartOf":{"@id":"https:\/\/blog.nu.com\/pt-br\/#website"},"primaryImageOfPage":{"@id":"https:\/\/blog.nu.com\/pt-br\/financas\/familia\/how-to-teach-your-kids-and-teens-about-money-four-steps-that-actually-stick\/#primaryimage"},"image":{"@id":"https:\/\/blog.nu.com\/pt-br\/financas\/familia\/how-to-teach-your-kids-and-teens-about-money-four-steps-that-actually-stick\/#primaryimage"},"thumbnailUrl":"https:\/\/blog.nu.com\/wp-content\/uploads\/2026\/04\/2026_Nubank_PhotoLibrary_BackYardBbqPlaying_Grass_01813-2-1.png","datePublished":"2026-06-17T17:12:17+00:00","dateModified":"2026-06-18T20:32:30+00:00","description":"Aprenda 4 passos pr\u00e1ticos para ensinar seus filhos e adolescentes sobre dinheiro. Orcamento, poupanca, credito e ferramentas reais para construir h\u00e1bitos financeiros desde cedo.","breadcrumb":{"@id":"https:\/\/blog.nu.com\/pt-br\/financas\/familia\/how-to-teach-your-kids-and-teens-about-money-four-steps-that-actually-stick\/#breadcrumb"},"inLanguage":"pt-BR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/blog.nu.com\/pt-br\/financas\/familia\/how-to-teach-your-kids-and-teens-about-money-four-steps-that-actually-stick\/"]}]},{"@type":"ImageObject","inLanguage":"pt-BR","@id":"https:\/\/blog.nu.com\/pt-br\/financas\/familia\/how-to-teach-your-kids-and-teens-about-money-four-steps-that-actually-stick\/#primaryimage","url":"https:\/\/blog.nu.com\/wp-content\/uploads\/2026\/04\/2026_Nubank_PhotoLibrary_BackYardBbqPlaying_Grass_01813-2-1.png","contentUrl":"https:\/\/blog.nu.com\/wp-content\/uploads\/2026\/04\/2026_Nubank_PhotoLibrary_BackYardBbqPlaying_Grass_01813-2-1.png","width":2790,"height":2000},{"@type":"BreadcrumbList","@id":"https:\/\/blog.nu.com\/pt-br\/financas\/familia\/how-to-teach-your-kids-and-teens-about-money-four-steps-that-actually-stick\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/blog.nu.com\/pt-br\/"},{"@type":"ListItem","position":2,"name":"Como ensinar seus filhos sobre dinheiro \u2014 4 passos que realmente funcionam"}]},{"@type":"WebSite","@id":"https:\/\/blog.nu.com\/pt-br\/#website","url":"https:\/\/blog.nu.com\/pt-br\/","name":"blog.nu.com","description":"","publisher":{"@id":"https:\/\/blog.nu.com\/pt-br\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/blog.nu.com\/pt-br\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"pt-BR"},{"@type":"Organization","@id":"https:\/\/blog.nu.com\/pt-br\/#organization","name":"blog.nu.com","url":"https:\/\/blog.nu.com\/pt-br\/","logo":{"@type":"ImageObject","inLanguage":"pt-BR","@id":"https:\/\/blog.nu.com\/pt-br\/#\/schema\/logo\/image\/","url":"https:\/\/blog.nu.com\/wp-content\/uploads\/2026\/01\/cropped-Logo.png","contentUrl":"https:\/\/blog.nu.com\/wp-content\/uploads\/2026\/01\/cropped-Logo.png","width":512,"height":512,"caption":"blog.nu.com"},"image":{"@id":"https:\/\/blog.nu.com\/pt-br\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/blog.nu.com\/pt-br\/#\/schema\/person\/04d5a065f3ca410ecc41fa9f802e157b","name":"Nathalia R","image":{"@type":"ImageObject","inLanguage":"pt-BR","@id":"https:\/\/secure.gravatar.com\/avatar\/b37e0b9a563279805705a8d7035e30930bd52bc85b149760738187c012746463?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b37e0b9a563279805705a8d7035e30930bd52bc85b149760738187c012746463?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/b37e0b9a563279805705a8d7035e30930bd52bc85b149760738187c012746463?s=96&d=mm&r=g","caption":"Nathalia R"},"url":"https:\/\/blog.nu.com\/pt-br\/author\/nathalia-ruiz\/"}]}},"jetpack_featured_media_url":"https:\/\/blog.nu.com\/wp-content\/uploads\/2026\/04\/2026_Nubank_PhotoLibrary_BackYardBbqPlaying_Grass_01813-2-1.png","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/blog.nu.com\/pt-br\/wp-json\/wp\/v2\/posts\/3548","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.nu.com\/pt-br\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.nu.com\/pt-br\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.nu.com\/pt-br\/wp-json\/wp\/v2\/users\/16"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.nu.com\/pt-br\/wp-json\/wp\/v2\/comments?post=3548"}],"version-history":[{"count":4,"href":"https:\/\/blog.nu.com\/pt-br\/wp-json\/wp\/v2\/posts\/3548\/revisions"}],"predecessor-version":[{"id":3998,"href":"https:\/\/blog.nu.com\/pt-br\/wp-json\/wp\/v2\/posts\/3548\/revisions\/3998"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.nu.com\/pt-br\/wp-json\/wp\/v2\/media\/3547"}],"wp:attachment":[{"href":"https:\/\/blog.nu.com\/pt-br\/wp-json\/wp\/v2\/media?parent=3548"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.nu.com\/pt-br\/wp-json\/wp\/v2\/categories?post=3548"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.nu.com\/pt-br\/wp-json\/wp\/v2\/tags?post=3548"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}