TEACHING FINANCIAL LITERACY IN LYCEUMS: PEDAGOGICAL APPROACHES, CHALLENGES, AND PROSPECTS

Abstract

Financial literacy has become an essential life skill in the modern globalized economy, where individuals are increasingly required to make complex financial decisions from an early age. Lyceums, as institutions that prepare students for higher education and professional life, play a crucial role in developing students’ financial knowledge, skills, and responsible attitudes toward money management. This article examines the importance of teaching financial literacy in lyceums, analyzes effective pedagogical approaches, and explores challenges faced in the implementation of financial education programs. Using a theoretical and analytical framework, the study reviews international practices, curriculum integration models, and learner-centered teaching strategies. The findings suggest that systematic financial literacy education in lyceums contributes not only to students’ economic competence but also to their critical thinking, social responsibility, and long-term financial well-being. The article concludes with recommendations for curriculum designers, teachers, and policymakers to enhance the quality and sustainability of financial literacy education at the secondary level.