{"id":23584,"date":"2025-12-18T11:51:35","date_gmt":"2025-12-18T14:51:35","guid":{"rendered":"https:\/\/ubanews.com\/site\/?p=23584"},"modified":"2025-12-18T11:51:35","modified_gmt":"2025-12-18T14:51:35","slug":"educacao-financeira-luciano-duque","status":"publish","type":"post","link":"https:\/\/ubanews.com\/site\/2025\/12\/18\/educacao-financeira-luciano-duque\/","title":{"rendered":"Educa\u00e7\u00e3o Financeira: Luciano Duque"},"content":{"rendered":"<p><strong style=\"font-size: 1.0625rem;\">Educa\u00e7\u00e3o Financeira: Luciano Duque alerta sobre desafios e solu\u00e7\u00f5es para empresas e fam\u00edlias. <\/strong><span style=\"font-size: 1.0625rem;\">Em entrevista conduzida pelo rep\u00f3rter <\/span><strong style=\"font-size: 1.0625rem;\">Carlos Roberto Sodr\u00e9<\/strong><span style=\"font-size: 1.0625rem;\">, com imagens de <\/span><strong style=\"font-size: 1.0625rem;\">Laisa Sodr\u00e9<\/strong><span style=\"font-size: 1.0625rem;\"> e gera\u00e7\u00e3o de conte\u00fado por <\/span><strong style=\"font-size: 1.0625rem;\">Pedro Henriques (INDICCA.COM)<\/strong><span style=\"font-size: 1.0625rem;\">, o especialista <\/span><strong style=\"font-size: 1.0625rem;\">Luciano Duque<\/strong><span style=\"font-size: 1.0625rem;\"> trouxe reflex\u00f5es essenciais sobre <\/span><strong style=\"font-size: 1.0625rem;\">educa\u00e7\u00e3o financeira<\/strong><span style=\"font-size: 1.0625rem;\">. O tema \u00e9 urgente, especialmente no fim do ano, quando o <\/span><strong style=\"font-size: 1.0625rem;\">13\u00ba sal\u00e1rio<\/strong><span style=\"font-size: 1.0625rem;\"> chega \u00e0s contas e muitos brasileiros enfrentam decis\u00f5es financeiras importantes.<\/span><\/p>\n<div>\n<h1><strong>Educa\u00e7\u00e3o Financeira: Luciano Duque alerta sobre desafios e solu\u00e7\u00f5es para empresas e fam\u00edlias<\/strong><\/h1>\n<p><a href=\"https:\/\/www.youtube.com\/live\/0O8alzvcYXs?si=wJAxx711Cq7WlKdG\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"aligncenter size-medium wp-image-23585 lazyload\" data-src=\"https:\/\/ubanews.com\/site\/wp-content\/uploads\/2025\/12\/Fala-Sodre-Luciano-Duque-300x167.jpg\" alt=\"\" width=\"300\" height=\"167\" data-srcset=\"https:\/\/ubanews.com\/site\/wp-content\/uploads\/2025\/12\/Fala-Sodre-Luciano-Duque-300x167.jpg 300w, https:\/\/ubanews.com\/site\/wp-content\/uploads\/2025\/12\/Fala-Sodre-Luciano-Duque-360x200.jpg 360w, https:\/\/ubanews.com\/site\/wp-content\/uploads\/2025\/12\/Fala-Sodre-Luciano-Duque.jpg 692w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/167;\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<hr \/>\n<h2><strong>Por que falar de educa\u00e7\u00e3o financeira agora?<\/strong><\/h2>\n<p>De acordo com Luciano, dezembro \u00e9 um m\u00eas cr\u00edtico. As pessoas recebem verbas extras, mas, em janeiro, muitas est\u00e3o mais endividadas do que antes. Ele alerta:<\/p>\n<blockquote><p>\u201cA maioria assume compromissos com dinheiro que n\u00e3o vai ter todo m\u00eas. Cabe no or\u00e7amento de dezembro, mas e no de janeiro?\u201d<\/p><\/blockquote>\n<p>Essa realidade mostra a falta de planejamento e a cultura de consumo imediatista. Luciano refor\u00e7a que <strong>educa\u00e7\u00e3o financeira deveria ser obrigat\u00f3ria nas escolas<\/strong>, mas ainda n\u00e3o \u00e9.<\/p>\n<hr \/>\n<h2><strong>O impacto da falta de educa\u00e7\u00e3o financeira nas empresas<\/strong><\/h2>\n<p>Luciano trouxe um dado alarmante: <strong>80,4 milh\u00f5es de brasileiros est\u00e3o com CPF negativado<\/strong>, quase 50% da popula\u00e7\u00e3o adulta. Isso afeta diretamente as empresas:<\/p>\n<blockquote><p>\u201cOnde est\u00e3o essas pessoas endividadas? Dentro das empresas. E isso impacta produtividade, clima organizacional e at\u00e9 seguran\u00e7a.\u201d<\/p><\/blockquote>\n<p>Funcion\u00e1rios endividados sofrem com estresse, ins\u00f4nia e depress\u00e3o. Consequ\u00eancia? <strong>Baixa produtividade, pedidos de adiantamento e alta rotatividade<\/strong>. Luciano explica:<\/p>\n<blockquote><p>\u201cRotatividade n\u00e3o \u00e9 s\u00f3 falta de compromisso. \u00c9 sobreviv\u00eancia financeira. O funcion\u00e1rio troca de emprego por 100 reais a mais porque est\u00e1 com a conta no pesco\u00e7o.\u201d<\/p><\/blockquote>\n<hr \/>\n<h2><strong>Como mudar essa realidade?<\/strong><\/h2>\n<p>Luciano defende que <strong>empresas precisam investir em educa\u00e7\u00e3o financeira para seus colaboradores<\/strong>. Ele oferece tr\u00eas programas:<\/p>\n<ul>\n<li><strong>Palestra pontual<\/strong>: a\u00e7\u00e3o imediata para conscientiza\u00e7\u00e3o.<\/li>\n<li><strong>Programa de 1 m\u00eas<\/strong>: acompanhamento com atividades pr\u00e1ticas.<\/li>\n<li><strong>Programa de 6 meses<\/strong>: transforma\u00e7\u00e3o completa, chamado \u201cEmpresa Blindada\u201d.<\/li>\n<\/ul>\n<p>Segundo ele, n\u00e3o basta dizer que o funcion\u00e1rio est\u00e1 errado. \u00c9 preciso mostrar <strong>como fazer diferente<\/strong>.<\/p>\n<hr \/>\n<h2><strong>Cultura e comportamento: o desafio brasileiro<\/strong><\/h2>\n<p>Luciano destaca que no Brasil <strong>n\u00e3o se fala sobre dinheiro em casa<\/strong>. Muitas fam\u00edlias tratam o tema como tabu. Frases como \u201cdinheiro n\u00e3o traz felicidade\u201d refor\u00e7am uma vis\u00e3o negativa. Ele afirma:<\/p>\n<blockquote><p>\u201cPrecisamos ensinar crian\u00e7as a diferenciar necessidade de desejo. Supermercado pode ser um laborat\u00f3rio para isso.\u201d<\/p><\/blockquote>\n<hr \/>\n<h2><strong>Cart\u00e3o de cr\u00e9dito: vil\u00e3o ou aliado?<\/strong><\/h2>\n<p>Outro ponto abordado foi o uso do cart\u00e3o de cr\u00e9dito. Luciano defende o uso inteligente:<\/p>\n<blockquote><p>\u201cO problema n\u00e3o \u00e9 o cart\u00e3o, \u00e9 a falta de controle. Brasileiro acha que o limite \u00e9 dele. Mas toda vez que voc\u00ea usa, est\u00e1 pedindo um empr\u00e9stimo.\u201d<\/p><\/blockquote>\n<p>Ele alerta para os juros altos e incentiva planejamento. Para quem sabe usar, o cart\u00e3o pode gerar benef\u00edcios, como milhas a\u00e9reas.<\/p>\n<hr \/>\n<h2><strong>Empres\u00e1rio, aten\u00e7\u00e3o: misturar contas \u00e9 armadilha<\/strong><\/h2>\n<p>Luciano tamb\u00e9m falou sobre gest\u00e3o empresarial. Muitos empres\u00e1rios confundem <strong>pessoa f\u00edsica e jur\u00eddica<\/strong>, retirando mais dinheiro do que a empresa pode pagar. Resultado? Neg\u00f3cios fechando antes de completar cinco anos.<\/p>\n<blockquote><p>\u201cA empresa precisa ter reserva, controlar entradas e sa\u00eddas e investir. Assim como a pessoa f\u00edsica.\u201d<\/p><\/blockquote>\n<hr \/>\n<h2><strong>Sonhos e motiva\u00e7\u00e3o: o caminho para mudar<\/strong><\/h2>\n<p>Luciano acredita que falar de dinheiro \u00e9 falar de pessoas. Por isso, conecta finan\u00e7as a sonhos:<\/p>\n<blockquote><p>\u201cMuita gente parou de sonhar. Se dinheiro n\u00e3o fosse problema, qual seria seu sonho? A partir da\u00ed, constru\u00edmos um plano.\u201d<\/p><\/blockquote>\n<hr \/>\n<h2><strong>Conclus\u00e3o: conhecimento liberta<\/strong><\/h2>\n<p>A entrevista mostrou que <strong>educa\u00e7\u00e3o financeira \u00e9 mais que n\u00fameros<\/strong>. \u00c9 qualidade de vida, sa\u00fade mental e produtividade. Luciano resume:<\/p>\n<blockquote><p>\u201cN\u00e3o \u00e9 promessa de fim de ano que muda sua vida. \u00c9 disciplina para cumprir essas promessas.\u201d<\/p><\/blockquote>\n<p>Quer levar esse tema para sua empresa ou resolver suas finan\u00e7as pessoais? <strong>Luciano Duque atende empresas e faz terapia financeira online para indiv\u00edduos e casais<\/strong>. Siga-o no <a href=\"https:\/\/www.instagram.com\/olucianoduque\/\" target=\"_blank\" rel=\"noopener\">Instagram<\/a>, <a href=\"https:\/\/www.linkedin.com\/in\/olucianoduque\/\" target=\"_blank\" rel=\"noopener\">LinkedIn<\/a> e <a href=\"https:\/\/www.youtube.com\/@olucianoduque\" target=\"_blank\" rel=\"noopener\">YouTube<\/a>: <strong>@lucianoduque<\/strong>.<\/p>\n<p><iframe title=\"Fala Sodr\u00e9: o Palestrante Luciano Duque conversa conosco sobre educa\u00e7\u00e3o financeira 17\/12\/2025\" width=\"840\" height=\"473\" data-src=\"https:\/\/www.youtube.com\/embed\/0O8alzvcYXs?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" data-load-mode=\"1\"><\/iframe><\/p>\n<\/div>\n<p style=\"margin: 0in; font-size: 20.0pt;\"><span style=\"font-family: 'Segoe UI Emoji';\">&#x1f4da; <\/span><span style=\"font-weight: bold; font-family: Calibri;\">Cobertura:<\/span><span style=\"font-family: Calibri;\"> Carlos Roberto Sodr\u00e9 <\/span><a href=\"https:\/\/wa.me\/553298481334\"><span style=\"font-family: Calibri;\">WhatsApp<\/span><\/a><\/p>\n<p style=\"margin: 0in; font-size: 20.0pt;\"><span style=\"font-family: 'Segoe UI Emoji';\">&#x1f4f8; <\/span><span style=\"font-weight: bold; font-family: Calibri;\">Imagens:<\/span><span style=\"font-family: Calibri;\"> Laisa Sodr\u00e9<\/span><\/p>\n<p style=\"margin: 0in; font-size: 20.0pt;\"><span style=\"font-family: 'Segoe UI Emoji';\">&#x1f4dd; <\/span><span style=\"font-weight: bold; font-family: Calibri;\">Conte\u00fado: <\/span><a href=\"https:\/\/www.linkedin.com\/in\/pedrohgf\/\"><span style=\"font-family: Calibri;\">Pedro Henriques<\/span><\/a><span style=\"font-family: Calibri;\"> \u2013 <\/span><a href=\"https:\/\/indicca.com.br\/blog\/\"><span style=\"font-family: Calibri;\">INDICCA.COM<\/span><\/a><span style=\"font-family: Calibri;\">\u00a0 <\/span><a href=\"https:\/\/wa.me\/5532988020057\"><span style=\"font-family: Calibri;\">WhatsApp<\/span><\/a><\/p>\n<p style=\"margin: 0in; font-size: 20.0pt;\"><span style=\"font-family: 'Segoe UI Emoji';\">&#x1f393; <\/span><span style=\"font-weight: bold; font-family: Calibri;\">Evento: <strong style=\"font-size: 1.0625rem;\">Educa\u00e7\u00e3o Financeira: Luciano Duque alerta sobre desafios e solu\u00e7\u00f5es para empresas e fam\u00edlias.<\/strong><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Educa\u00e7\u00e3o Financeira: Luciano Duque alerta sobre desafios e solu\u00e7\u00f5es para<\/p>\n","protected":false},"author":4,"featured_media":23585,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,3],"tags":[269,59,270,60],"class_list":["post-23584","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sem-categoria","category-slide","tag-educacao-financeira","tag-fala-sodre","tag-luciano-duque","tag-ubanews"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - 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