{"id":9033,"date":"2026-06-30T00:00:00","date_gmt":"2026-06-30T00:00:00","guid":{"rendered":"https:\/\/www.virginie-perrin.notaires.fr\/leducation-financiere-entre-au-college\/"},"modified":"2026-07-24T13:55:36","modified_gmt":"2026-07-24T13:55:36","slug":"leducation-financiere-entre-au-college","status":"publish","type":"post","link":"https:\/\/www.virginie-perrin.notaires.fr\/leducation-financiere-entre-au-college\/","title":{"rendered":"L’\u00e9ducation financi\u00e8re entre au coll\u00e8ge"},"content":{"rendered":"

Un parcours Educfi obligatoire d\u00e8s la rentr\u00e9e 2026<\/h2>\n

\u00c0 partir de la rentr\u00e9e 2026, tous les \u00e9l\u00e8ves de 4e suivront un parcours obligatoire d’\u00e9ducation budg\u00e9taire et financi\u00e8re via le passeport Educfi, pilot\u00e9 par la Banque de France. L’objectif est d’apprendre t\u00f4t \u00e0 lire un relev\u00e9 de compte, \u00e0 distinguer l’\u00e9pargne du cr\u00e9dit, ou encore \u00e0 \u00e9viter les pi\u00e8ges du surendettement.<\/p>\n

Un paradoxe r\u00e9v\u00e9lateur pour les g\u00e9n\u00e9rations d\u00e9j\u00e0 actives<\/h2>\n

Cette g\u00e9n\u00e9ralisation met en lumi\u00e8re un paradoxe : si l’on juge aujourd’hui utile de former les coll\u00e9giens \u00e0 ces bases, c’est que de nombreux adultes n’ont eux-m\u00eames jamais re\u00e7u cette formation. Sur le terrain, les conseillers patrimoniaux constatent que les questions les plus fr\u00e9quentes portent moins sur des produits complexes que sur des fondamentaux simples : combien \u00e9pargner chaque mois, quand commencer \u00e0 pr\u00e9parer sa retraite, ou comment \u00e9viter les erreurs les plus courantes.<\/p>\n

Pour les adultes, une d\u00e9marche \u00e0 construire avec un professionnel<\/h2>\n

Pour les g\u00e9n\u00e9rations d\u00e9j\u00e0 actives, cette \u00e9ducation financi\u00e8re passera surtout par une d\u00e9marche personnelle, accompagn\u00e9e le cas \u00e9ch\u00e9ant par un professionnel du conseil patrimonial. Anticiper une donation, organiser une succession ou structurer un patrimoine familial suppose en effet une bonne compr\u00e9hension des m\u00e9canismes juridiques et financiers en jeu, un accompagnement que peut utilement apporter le notaire, aux c\u00f4t\u00e9s des autres professionnels du chiffre et du conseil. C’est aussi l’occasion de rappeler qu’\u00e9duquer t\u00f4t \u00e0 ces notions b\u00e9n\u00e9ficie \u00e0 toute une vie de d\u00e9cisions patrimoniales.<\/p>\n","protected":false},"excerpt":{"rendered":"

Un parcours Educfi obligatoire d\u00e8s la rentr\u00e9e 2026 \u00c0 partir de la rentr\u00e9e 2026, tous les \u00e9l\u00e8ves de 4e suivront un parcours obligatoire d’\u00e9ducation budg\u00e9taire et financi\u00e8re via le passeport Educfi, pilot\u00e9 par la Banque de France. L’objectif est d’apprendre t\u00f4t \u00e0 lire un relev\u00e9 de compte, \u00e0 distinguer l’\u00e9pargne du cr\u00e9dit, ou encore \u00e0 […]<\/p>\n","protected":false},"author":1,"featured_media":9034,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[71],"tags":[],"class_list":["post-9033","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"\nL'\u00e9ducation financi\u00e8re entre au coll\u00e8ge - Virginie PERRIN<\/title>\n<meta name=\"description\" content=\"D\u00e8s 2026, les \u00e9l\u00e8ves de 4e suivront un parcours d'\u00e9ducation budg\u00e9taire obligatoire (Educfi), un enjeu pour la transmission du patrimoine familial.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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