**4. Case Study**

The financial environment nowadays has become more precarious. The new generation has problems related to mortgages, credit availability, borrowing options, pensions, savings and investing options [47]. In addition to these problems, many citizens do not understand the financial concepts that are crucial for consumers' financial decisionmaking [48]. The main idea of financial education is to provide individuals with the knowledge, aptitude and skill base necessary to become questioning and informed consumers of financial services and to manage their finances effectively [49]. Among the benefits of having good financial knowledge is that it is directly correlated with self-beneficial financial behavior [50]. Due to this, it is important to analyze the impact of financial education so that it is possible to answer the question as to whether financial knowledge allows people with more financial education to achieve better decisions than those with less [51]. Among the aspects that should be better understood are savings and credit. On the one hand, saving is an action in which a reserve of capital from income is kept for future use, which depends on the level of income, generating a positive or negative rate. On the other hand, credit is a means of financing that can be used to start a new business or project at a personal or business level, although it can also be used when acquiring goods that do not generate income. To provide a better understanding of these concepts, they will be briefly explained below.
