Preferências declaradas e comportamento financeiro : um estudo sobre heurísticas e vieses nas finanças comportamentais.

Abstract

This article analyzes the relationship between personal finance and behavioral factors, investigating heuristics and biases in economic decision-making. The research is grounded in Behavioral Finance, a field that incorporates bounded rationality into the economic analysis of human behavior. The approach considers preferences and behaviors; thus, the article examines patterns such as impulsive consumption, financial procrastination, and the impact of emotional well-being on the development of healthy financial habits. The theoretical framework presents contributions from Behavioral Economics to the topic. In addition to the literature review, a mixed-method field study was conducted with 55 participants from the Vale do Rio Pardo region in Rio Grande do Sul, all with technical knowledge of the financial market, to identify practical evidence of these behaviors. The results highlight a discrepancy between declared preferences and actual behavior, revealing that although these preferences involve logical reasoning, financial behavior is permeated by psychosocial aspects linked to heuristics and behavioral biases.