Keyword: «financial literacy»

This article examines the risks and opportunities in the formation of financial culture among students of secondary vocational education in the context of the rapid spread of digital financial technologies. It is noted that the digitalization of the financial sphere significantly changes the models of economic behavior of young people, creating both new educational opportunities and threats of forming superficial or distorted perceptions of money, debt, and responsibility. The study concludes on the necessity of a comprehensive pedagogical approach to developing students’ financial culture, based on a combination of digital tools and value-oriented education.

This article substantiates the need for targeted financial literacy development in pedagogical students as a key element of their professional and personal competence. The author proposes to consider this process through the lens of a resource-based approach, which allows for the systematization of internal and external resources of the individual and the educational environment. The stages of developing financial literacy in future teachers are identified and practical mechanisms for integrating it into the university's educational process are proposed.