Financial Literacy in the Digital Age – How Can We Prepare Young People to Make Responsible Decisions?

These questions were the focus of the seminar “Advancing Financial Literacy and Social Entrepreneurship,” organized by the Institute for Education for teachers at the “Spasoje Raspopović” Secondary Vocational School in Podgorica, in cooperation with the Central Bank of Montenegro. The seminar was opened by the school’s principal, Vesko Mihajlović. On behalf of the Institute for Education, participants were addressed by Nevena Čabrilo, the national coordinator for financial literacy and social entrepreneurship, who organized the training and monitored its implementation. Through practical tasks and an exchange of experiences, the teachers discussed ways to bring financial literacy closer to students through situations from everyday life. By linking these areas, they explored opportunities to encourage students to use resources responsibly, show initiative, and understand how their ideas can contribute to the community. Cooperation between the Institute for Education and the Central Bank of Montenegro supports teachers in connecting financial literacy and social entrepreneurship with classroom practice. This approach helps equip students to use digital services more safely, manage money responsibly, and make thoughtful decisions in their everyday and future professional lives.