21.1 Livro Interativo com Questionário – Avaliação de Risco em Finanças

Financial Risk – Recognize that unexpected events ( accident, theft, flood, job loss ) can damage your money and goals.
Risk Management Tools – Understand the four ways to handle risk: avoid, accept, reduce, transfer (insurance).
Insurance Basics – Learn how premiums, payouts, and different policy types (auto, renters, health, life) share big costs.

Responsible Planning – See how saving, securing belongings, and choosing coverage protect your budget and peace of mind.

Risks Are Real – Surprises like medical bills or identity theft can drain savings if you’re not prepared.
Manage, Don’t Ignore – Use avoidance, safety habits, and insurance to keep losses small and affordable.
Insurance Fits Needs – Match auto, renters, health, liability, disability, life insurance to what you own and value.
Prepared = Protected – Building an emergency fund, securing accounts, and buying the right coverage shields both your wallet and well-being.