{"id":21468,"date":"2023-08-25T00:00:00","date_gmt":"2023-08-25T00:00:00","guid":{"rendered":""},"modified":"2024-05-14T14:03:31","modified_gmt":"2024-05-14T14:03:31","slug":"ecart-de-richesse-causes-et-consequences","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/connaissances-financieres-de-base\/rapport-a-largent\/ecart-de-richesse-causes-et-consequences\/","title":{"rendered":"\u00c9cart de richesse : causes et cons\u00e9quences"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">\u00c9cart de richesse : causes et cons\u00e9quences<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Keph Senett<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-08-25T101613.553.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Repr\u00e9sentation de l&#039;\u00e9cart de richesse : figurines d&#039;une femme sur un petit tas de pi\u00e8ces et d&#039;un vieil homme bien habill\u00e9 sur une pile plus haute\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-08-25T101613.553.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-08-25T101613.553.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-08-25T101613.553.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=\u00c9cart de richesse : causes et cons\u00e9quences &#038;body=Bonjour, je pensais que cet article de RBC Mes finances d\u2019abord pourrait vous int\u00e9resser: https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/connaissances-financieres-de-base\/rapport-a-largent\/ecart-de-richesse-causes-et-consequences\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Courriel        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/connaissances-financieres-de-base\/rapport-a-largent\/ecart-de-richesse-causes-et-consequences\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copier l\u2019URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published 25 ao\u00fbt 2023 \u2022 6 min de lecture<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p>Dans la mosa\u00efque que forme la soci\u00e9t\u00e9 canadienne, une tendance se fait de plus en plus sentir : l&rsquo;\u00e9cart de richesse. L&rsquo;\u00e9largissement du foss\u00e9 entre riches et pauvres est un enjeu pressant pour les particuliers, les groupes et les soci\u00e9t\u00e9s du monde entier. Les causes syst\u00e9miques de ces disparit\u00e9s croissantes sont multiples, et leurs cons\u00e9quences nous affectent tous.<\/p>\n\n\n\n<p>En 1967, le Canada \u00e9tait la neuvi\u00e8me \u00e9conomie mondiale ; il se classe aujourd&rsquo;hui au dix-septi\u00e8me rang. Au chapitre du revenu par personne, le Canada est pass\u00e9 de la troisi\u00e8me \u00e0 la quinzi\u00e8me position. Que peut faire le Canada pour \u00e9viter que la situation ne se d\u00e9t\u00e9riore encore plus au cours du 21<sup>e<\/sup> si\u00e8cle ?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Qu&rsquo;est-ce que l&rsquo;\u00e9cart de richesse ?<b><\/b><\/h2>\n\n\n\n<p>On parle d&rsquo;\u00e9cart de richesse lorsqu&rsquo;il existe des disparit\u00e9s dans la r\u00e9partition des revenus ou du patrimoine entre des personnes, des populations ou des pays. En termes plus simples, cela signifie qu&rsquo;un groupe dispose d&rsquo;un patrimoine disproportionn\u00e9 (en incluant les revenus, les biens, les placements et l&rsquo;\u00e9pargne) par rapport \u00e0 un autre qui a du mal \u00e0 joindre les deux bouts.<\/p>\n\n\n\n<p>Il existe de nombreuses fa\u00e7ons de d\u00e9finir et de mesurer les \u00e9carts de richesse. En voici quelques exemples :<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>le contexte \u00e9conomique d&rsquo;un pays par rapport \u00e0 un autre<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>le taux d\u2019emploi et les revenus\u00a0<a href=\"https:\/\/thoughtleadership.rbc.com\/rebuilding-canadas-labour-market-the-inclusive-recovery-imperative\/\" target=\"_blank\" rel=\"noreferrer noopener\">des femmes et des minorit\u00e9s visibles<\/a><\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>les taux\u00a0<a href=\"https:\/\/thoughtleadership.rbc.com\/unleashing-opportunity-the-economic-gains-in-narrowing-canadas-racial-wealth-gap\/\" target=\"_blank\" rel=\"noreferrer noopener\">de propri\u00e9t\u00e9 d\u2019entreprise et de maison<\/a><\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Au Canada, comme dans de nombreux autres pays de l&rsquo;OCDE (Organisation de coop\u00e9ration et de d\u00e9veloppement \u00e9conomiques), on observe une augmentation des <a href=\"https:\/\/irpp.org\/fr\/research-studies\/income-inequality-in-canada\/\" target=\"_blank\" rel=\"noopener\">in\u00e9galit\u00e9s \u00e9conomiques<\/a> depuis les derni\u00e8res d\u00e9cennies.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pourquoi y a-t-il des \u00e9carts de richesse ?<b><\/b><\/h2>\n\n\n\n<p>Il existe de nombreuses causes aux \u00e9carts de richesse et tout autant de cons\u00e9quences. C&rsquo;est d&rsquo;ailleurs l&rsquo;une des multiples raisons pour lesquelles il est difficile de r\u00e9gler le probl\u00e8me. N\u00e9anmoins, divers facteurs comme les suivants y contribuent, selon les \u00e9conomistes :<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Acc\u00e8s<\/strong>\u00a0: Les personnes \u00e0 revenu \u00e9lev\u00e9 ont souvent acc\u00e8s \u00e0 une meilleure \u00e9ducation, \u00e0 de meilleurs soins de sant\u00e9 et \u00e0 de meilleures possibilit\u00e9s d\u2019emploi, ce qui contribue \u00e0 perp\u00e9tuer le cycle des in\u00e9galit\u00e9s.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Dette<\/strong>\u00a0: L\u2019endettement peut pr\u00e9cipiter des gens, des populations ou m\u00eame des pays dans le pi\u00e8ge de la pauvret\u00e9. Les taux d\u2019int\u00e9r\u00eat \u00e9lev\u00e9s peuvent rendre difficile le remboursement de pr\u00eats. Et m\u00eame \u00e0 taux mod\u00e9r\u00e9, les int\u00e9r\u00eats peuvent s\u2019accumuler de fa\u00e7on rapide et incontr\u00f4lable.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Inflation<\/strong>\u00a0: L\u2019inflation \u2013 l\u2019augmentation du co\u00fbt des biens et des services au fil du temps \u2013 est un ph\u00e9nom\u00e8ne \u00e9conomique normal. Cependant, lorsque l\u2019inflation augmente plus vite que les salaires \u2014 ce qui est le cas pour\u00a0<a href=\"https:\/\/www.one.org\/international\/blog\/global-inequality-facts-stats\" target=\"_blank\" rel=\"noreferrer noopener\">1,7 milliard de personnes<\/a>\u00a0\u2014 elle peut devenir un enjeu de taille pour les particuliers et les pays.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Discrimination syst\u00e9mique<\/strong>\u00a0: Les pr\u00e9jug\u00e9s peuvent avoir une incidence sur tout, des possibilit\u00e9s d\u2019\u00e9ducation aux pratiques d\u2019embauche en passant par les salaires. On observe par exemple des \u00e9carts salariaux entre les hommes, les femmes blanches et les femmes de couleur, ce qui sugg\u00e8re une possible discrimination.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Transfert interg\u00e9n\u00e9rationnel du patrimoine<\/strong>\u00a0: Les personnes les plus riches peuvent se constituer un patrimoine pour toutes les raisons \u00e9num\u00e9r\u00e9es ci-dessus. D\u2019ordre g\u00e9n\u00e9ral, elles vont aussi l\u00e9guer leur avoir \u00e0 leur famille, cr\u00e9ant de nouvelles g\u00e9n\u00e9rations fortun\u00e9es. Les \u00e9carts de richesse peuvent mener \u00e0 des in\u00e9galit\u00e9s d\u2019acc\u00e8s \u00e0 la s\u00e9curit\u00e9 financi\u00e8re, \u00e0 la mobilit\u00e9 sociale et aux occasions pour les g\u00e9n\u00e9rations \u00e0 venir.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Ces enjeux surviennent surtout au niveau macro\u00e9conomique. M\u00eame si les gens sont limit\u00e9s dans les changements syst\u00e9miques qu&rsquo;ils peuvent apporter, nul n&rsquo;est impuissant. Chaque personne peut g\u00e9rer ses ressources \u00e9conomiques en am\u00e9liorant sa litt\u00e9ratie financi\u00e8re, en r\u00e9duisant ou \u00e9liminant ses dettes et en investissant.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Quelles sont les cons\u00e9quences des \u00e9carts de richesse ?<b><\/b><\/h2>\n\n\n\n<p>Les \u00e9carts de richesse, surtout les plus tenaces, peuvent avoir des cons\u00e9quences n\u00e9gatives sur les groupes et les particuliers.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Des \u00e9carts encore plus grands<\/strong>\u00a0: s\u2019y rien n\u2019est fait, les \u00e9carts de richesse pourraient prendre de l\u2019ampleur et aggraver le probl\u00e8me. Par exemple, selon le\u00a0<a href=\"https:\/\/wir2022.wid.world\/www-site\/uploads\/2022\/01\/Summary_WorldInequalityReport2022_English.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Fonds mon\u00e9taire international<\/a>, \u00ab les 1 % les plus riches ont capt\u00e9 38 % de tout le patrimoine suppl\u00e9mentaire accumul\u00e9 depuis le milieu des ann\u00e9es 1990, alors que les 50 % les plus pauvres n\u2019en ont capt\u00e9 que 2 % \u00bb.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Probl\u00e8mes sociaux g\u00e9n\u00e9ralis\u00e9s<\/strong>\u00a0: La qualit\u00e9 de vie des personnes qui n\u2019ont pas les moyens de se loger, de se nourrir ou d\u2019obtenir des soins est consid\u00e9rablement r\u00e9duite. C\u2019est sans compter que les personnes en situation pr\u00e9caire n\u2019ont ni le temps ni les ressources n\u00e9cessaires pour investir dans quoi que ce soit d\u2019autre, ce qui signifie que les affaires, l\u2019art, l\u2019\u00e9ducation et l\u2019entrepreneuriat peuvent en souffrir.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Stress et anxi\u00e9t\u00e9<\/strong>\u00a0: L\u2019ins\u00e9curit\u00e9 financi\u00e8re est une cause majeure de stress, et le stress peut avoir un impact physique et \u00e9motionnel important sur les gens. C\u2019est aussi un enjeu de soci\u00e9t\u00e9s : lorsque de grands groupes sont confront\u00e9s \u00e0 des in\u00e9galit\u00e9s persistantes, les soci\u00e9t\u00e9s peuvent \u00eatre en proie \u00e0 de l\u2019agitation sociale et politique.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Influence in\u00e9gale<\/strong>\u00a0: Les groupes et les personnes qui disposent de ressources financi\u00e8res suffisantes peuvent exercer une influence disproportionn\u00e9e sur les politiques par rapport au reste de la population. Autrement dit, ils n\u2019ont pas besoin de l\u2019apport des autres citoyens pour changer la soci\u00e9t\u00e9.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Investir pour r\u00e9duire les in\u00e9galit\u00e9s<b><\/b><\/h2>\n\n\n\n<p>On peut tous intervenir pour se prot\u00e9ger contre les in\u00e9galit\u00e9s de richesse et atteindre la s\u00e9curit\u00e9 financi\u00e8re. Bien qu&rsquo;il soit important d&rsquo;apporter des changements syst\u00e9miques, les actions personnelles peuvent aussi changer la donne. D&rsquo;ailleurs, prendre le temps d&rsquo;en apprendre plus sur les finances personnelles, l&rsquo;\u00e9tablissement d&rsquo;un budget, les placements et les strat\u00e9gies de constitution de patrimoine est un bon point de d\u00e9part. Pour \u00eatre en mesure de prendre des d\u00e9cisions \u00e9clair\u00e9es et \u00e9viter les pi\u00e8ges financiers, il faut aussi se renseigner sur la gestion de l&rsquo;argent.<\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse942faa40\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse942faa40\" data-dig-id=\"LP-32776-942faa40\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Un mot de nos avocats\"><span>Un mot de nos avocats<\/span><span>Un mot de nos avocats<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse942faa40\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>Le pr\u00e9sent article vise \u00e0 offrir des renseignements g\u00e9n\u00e9raux seulement et n\u2019a pas pour objet de fournir des conseils juridiques ou financiers, ni d\u2019autres conseils professionnels. Veuillez consulter un conseiller professionnel en ce qui concerne votre situation particuli\u00e8re. Les renseignements pr\u00e9sent\u00e9s sont r\u00e9put\u00e9s \u00eatre factuels et \u00e0 jour, mais nous ne garantissons pas leur exactitude et ils ne doivent pas \u00eatre consid\u00e9r\u00e9s comme une analyse exhaustive des sujets abord\u00e9s. Les opinions exprim\u00e9es refl\u00e8tent le jugement des auteurs \u00e0 la date de publication et peuvent changer. La Banque Royale du Canada et ses entit\u00e9s ne font pas la promotion, ni explicitement ni implicitement, des conseils, des avis, des renseignements, des produits ou des services de tiers.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Partager cet article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=\u00c9cart de richesse : causes et cons\u00e9quences &#038;body=Bonjour, je pensais que cet article de RBC Mes finances d\u2019abord pourrait vous int\u00e9resser: https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/connaissances-financieres-de-base\/rapport-a-largent\/ecart-de-richesse-causes-et-consequences\/\">\n        <img decoding=\"async\" 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\t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-b9a28404-dc4b-4a45-9688-7440fbd32a95\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/economie\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">\u00c9conomie<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/finances-personnelles\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Finances personnelles<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-a-lire-ensuite\">\u00c0 lire ensuite<\/h2>\n\n\n\t\t\t<div class=\"related-posts-type-2\">\n\t\t\t\t<div class=\"related-post-list\">\n\t\t\t\t\t<ul class=\"grid-wpr eh-wpr\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/05\/Thumbnail-default-222-1-1-2.jpg?quality=80&amp;w=930\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Une personne utilisant une calculatrice et tenant un stylo \u00e0 un bureau, avec un porte-documents et une maquette de maison en arri\u00e8re-plan, illustrant la planification financi\u00e8re li\u00e9e \u00e0 l&#039;achat d&#039;une 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href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dune-maison\/achat-dune-premiere-maison\/\">\n\t\t\t\t\t\tAchat d\u2019une premi\u00e8re maison\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dune-maison\/achat-dune-premiere-maison\/home-buying-top-tips-tools-for-every-step-of-the-journey-achat-dune-maison-les-meilleurs-conseils-et-outils-a-chaque-etape-du-parcours\/\" class=\"card-title h4 mar-t-0\">Achat d\u2019une maison : les meilleurs conseils et outils \u00e0 chaque \u00e9tape du parcours<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n<\/section>\n<style class=\"advgb-styles-renderer\">\n\t\t.wp-block-tk-spacer.id-b9a28404-dc4b-4a45-9688-7440fbd32a95 {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px 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financi\u00e8re.<\/p>\n","protected":false},"author":112,"featured_media":21469,"parent":6558,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[303,130],"rbc_content_type":[121],"rbc_audience":[],"rbc_lob_group":[140],"rbc_difficulty_level":[123],"rbc_mmm_category":[32,45,94],"class_list":["post-21468","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-economie","tag-finances-personnelles","rbc_content_type-article","rbc_lob_group-placements","rbc_difficulty_level-beginner","rbc_mmm_category-academie-financiere","rbc_mmm_category-connaissances-financieres-de-base","rbc_mmm_category-rapport-a-largent"],"acf":{"contently_publication_id":"365110","custom_author":"Keph 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