{"id":29476,"date":"2019-11-10T18:29:00","date_gmt":"2019-11-10T18:29:00","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/fr-ca\/?post_type=rbc_my_money_matter&#038;p=29476"},"modified":"2024-03-19T18:29:21","modified_gmt":"2024-03-19T18:29:21","slug":"enfants-aux-etudes-rappelez-leur-ces-pieges-financiers","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/connaissances-financieres-de-base\/etablissement-du-budget\/enfants-aux-etudes-rappelez-leur-ces-pieges-financiers\/","title":{"rendered":"Enfants aux \u00e9tudes\u00a0: rappelez-leur ces pi\u00e8ges financiers"},"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\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/etablissement-dun-budget\/\">\n\t\t\t\t\t\t\t<span>\u00c9tablissement d\u2019un budget<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">Enfants aux \u00e9tudes\u00a0: rappelez-leur ces pi\u00e8ges financiers<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Tamar Satov<\/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=\"1024\" height=\"677\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/03\/Capture_3c9984.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Jeune femme assise sur son bureau regardant pensivement par la fen\u00eatre\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/03\/Capture_3c9984.jpg 1100w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/03\/Capture_3c9984.jpg?resize=300,198 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/03\/Capture_3c9984.jpg?resize=768,508 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/03\/Capture_3c9984.jpg?resize=1024,677 1024w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\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=Enfants aux \u00e9tudes\u00a0: rappelez-leur ces pi\u00e8ges financiers &#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\/etablissement-du-budget\/enfants-aux-etudes-rappelez-leur-ces-pieges-financiers\/\">\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\/etablissement-du-budget\/enfants-aux-etudes-rappelez-leur-ces-pieges-financiers\/\">\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 10 novembre 2019 \u2022 4 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>Gr\u00e2ce aux emplois d\u2019\u00e9t\u00e9, aux subventions, aux pr\u00eats d\u2019\u00e9tudes, aux retraits de leur REEE et aux bourses d\u2019\u00e9tudes, les enfants peuvent avoir la responsabilit\u00e9 de g\u00e9rer plus d\u2019argent que jamais auparavant. Rappeler quelques principes de sagesse financi\u00e8re pour \u00e9viter des erreurs co\u00fbteuses ne saurait nuire.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Utiliser sa carte de cr\u00e9dit avec jugement<\/h2>\n\n\n\n<p>Une carte de cr\u00e9dit peut \u00eatre un outil pratique pour effectuer des achats et disposer d\u2019un relev\u00e9 mensuel de toutes ses op\u00e9rations. Elle peut aussi \u00eatre un bon moyen de se b\u00e2tir un historique de cr\u00e9dit. En revanche, ce n\u2019est pas une source in\u00e9puisable d\u2019argent disponible. Rappelez \u00e0 vos enfants qu\u2019ils empruntent de l\u2019argent qu\u2019ils devront rembourser \u2013 et que, s\u2019ils ne peuvent rembourser le solde chaque mois, les int\u00e9r\u00eats qu\u2019ils versent augmentent le co\u00fbt de tout ce qu\u2019ils ont achet\u00e9.<\/p>\n\n\n\n<p>Pour appuyer votre propos, une calculatrice de remboursement de carte de cr\u00e9dit en ligne pourra leur montrer le temps qu\u2019il faut pour rembourser un solde de 1&nbsp;000&nbsp;$ en se contentant d\u2019effectuer chaque mois le paiement minimal. (Ils risquent fort d\u2019\u00eatre stup\u00e9faits d\u2019apprendre que cela pourrait durer 10&nbsp;ans et leur co\u00fbter 800&nbsp;$ suppl\u00e9mentaires, en prenant pour hypoth\u00e8se un taux d\u2019int\u00e9r\u00eat annuel de 18&nbsp;%.)<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00c9viter les d\u00e9penses excessives attribuables \u00e0 la peur de manquer<\/h2>\n\n\n\n<p>La peur de manquer quelque chose est un ph\u00e9nom\u00e8ne bien r\u00e9el, auquel m\u00eame des <a href=\"https:\/\/www6.royalbank.com\/en\/di\/hubs\/ideas-and-motivation\/article\/does-fomo-have-you-jumping-on-the-latest-trend\/j14ds2by\" data-dig-id=\"LP-29476-a5604d32\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"adultes exp\u00e9riment\u00e9s succombent\" class=\"rbc-link-format\">adultes exp\u00e9riment\u00e9s succombent<\/a>. Nous voyons nos semblables sortir au bar ou au restaurant, voyager ou s\u2019offrir les derniers gadgets technologiques, et nous ressentons soudainement l\u2019envie de faire partie du club. Les m\u00e9dias sociaux exacerbent souvent le probl\u00e8me, car un r\u00e9seau de \u00ab\u00a0relations\u00a0\u00bb peut compter des centaines ou des milliers d\u2019amis et d\u2019abonn\u00e9s. Mais que se passe-t-il lorsque l\u2019on ne peut pas se permettre toutes ces choses\u00a0?<\/p>\n\n\n\n<p>Expliquez \u00e0 vos enfants comment avoir une vie sociale et profiter de leur vie d\u2019\u00e9tudiant sans d\u00e9penser au-del\u00e0 de leurs moyens. Par exemple, un grand nombre d\u2019activit\u00e9s sur les campus sont gratuites ou subventionn\u00e9es. Si vos enfants ont souscrit une formule de repas, ils pourraient d\u2019abord d\u00eener ou souper sur le campus, puis simplement commander une entr\u00e9e ou un dessert quand ils sortent ensuite avec leurs amis. Il est bien possible qu\u2019ils ne soient pas les seuls \u00e0 essayer de respecter un budget et que d\u2019autres membres du groupe suivent leur exemple et leur en soient reconnaissants.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Prot\u00e9ger ses renseignements personnels<\/h2>\n\n\n\n<p>Pour avoir grandi \u00e0 l\u2019<a href=\"https:\/\/www6.royalbank.com\/en\/di\/hubs\/tech-and-culture\/article\/privacy-settings-you-can-change\/jk0dlkji\" data-dig-id=\"LP-29476-aaa8fefb\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"\u00e8re num\u00e9rique\" class=\"rbc-link-format\">\u00e8re num\u00e9rique<\/a>, vos enfants sont probablement d\u00e9j\u00e0 tr\u00e8s conscients de la n\u00e9cessit\u00e9 de veiller \u00e0 la confidentialit\u00e9 des mots de passe de leurs appareils et applications. Toutefois, les risques sont encore plus importants maintenant qu\u2019ils utilisent les services bancaires et effectuent des paiements en ligne, postulent des emplois en communiquant leur num\u00e9ro d\u2019assurance sociale (NAS) ou habitent peut-\u00eatre pour la premi\u00e8re fois avec des colocataires. Sensibilisez-les \u00e0 l\u2019importance de v\u00e9rifier fr\u00e9quemment leurs relev\u00e9s bancaires, de n\u2019effectuer des achats au moyen de leur carte de cr\u00e9dit que sur des sites s\u00e9curis\u00e9s et de mettre \u00e0 jour au besoin leurs logiciels antivirus et de s\u00e9curit\u00e9 informatique. Ils doivent aussi apprendre \u00e0 prot\u00e9ger physiquement leurs documents sensibles dans un tiroir ou un classeur verrouill\u00e9 et \u00e0 ne communiquer leur NAS qu\u2019en cas d\u2019absolue n\u00e9cessit\u00e9.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Demander de l\u2019aide<\/h2>\n\n\n\n<p>Enfin, vos enfants doivent savoir qu\u2019ils peuvent s\u2019adresser \u00e0 vous sans crainte s\u2019ils connaissent des difficult\u00e9s financi\u00e8res. Nous commettons tous des erreurs, et ce n\u2019est apr\u00e8s tout qu\u2019une des multiples fa\u00e7ons dont nous apprenons. Il reste que plus on en apprend sur un probl\u00e8me, plus on est apte \u00e0 le r\u00e9gler et, esp\u00e9rons-le, \u00e0 \u00e9viter de subir le m\u00eame sort \u00e0 l\u2019avenir.<\/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=Enfants aux \u00e9tudes\u00a0: rappelez-leur ces pi\u00e8ges financiers &#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\/etablissement-du-budget\/enfants-aux-etudes-rappelez-leur-ces-pieges-financiers\/\">\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\/etablissement-du-budget\/enfants-aux-etudes-rappelez-leur-ces-pieges-financiers\/\">\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  \t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-a1b32823-2302-41f8-920a-7d0f75b1f0ec\" 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\/etablissement-dun-budget\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">\u00c9tablissement d\u2019un budget<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/gestion-de-largent\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Gestion de l&#039;argent<\/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=\"1000\" height=\"1000\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/GettyImages-2231674294-1.jpg?quality=80&amp;w=1000\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/GettyImages-2231674294-1.jpg 1000w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/GettyImages-2231674294-1.jpg?resize=150,150 150w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/GettyImages-2231674294-1.jpg?resize=300,300 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/GettyImages-2231674294-1.jpg?resize=768,768 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/economie-101\/comprendre-les-taux-dinteret\/\">\n\t\t\t\t\t\tComprendre les taux d\u2019int\u00e9r\u00eat\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\/academie-financiere\/economie-101\/comprendre-les-taux-dinteret\/annonce-de-taux-d-interet-de-la-banque-du-canada\/\" class=\"card-title h4 mar-t-0\">D\u00e9mystification du taux d&rsquo;int\u00e9r\u00eat de la Banque du Canada et son incidence sur votre pr\u00eat hypoth\u00e9caire<\/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\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\/2023\/09\/Untitled-design-2023-07-31T120240.836.jpg?quality=80&amp;w=930\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Un globe de verre entour\u00e9 d&#039;une pile de pi\u00e8ces.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-31T120240.836.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-31T120240.836.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-31T120240.836.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/economie-101\/economie-pour-les-debutants\/\">\n\t\t\t\t\t\t\u00c9conomie pour les d\u00e9butants\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\/academie-financiere\/economie-101\/economie-pour-les-debutants\/largent-et-son-role-dans-leconomie\/\" class=\"card-title h4 mar-t-0\">L&rsquo;argent et son r\u00f4le dans l&rsquo;\u00e9conomie<\/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\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=\"1024\" height=\"584\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/04\/Investing-and-Saving_1856x1058.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Un couple qui tape sur un ordinateur portable et un t\u00e9l\u00e9phone portable.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/04\/Investing-and-Saving_1856x1058.jpg 1856w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/04\/Investing-and-Saving_1856x1058.jpg?resize=300,171 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/04\/Investing-and-Saving_1856x1058.jpg?resize=768,438 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/04\/Investing-and-Saving_1856x1058.jpg?resize=1024,584 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/04\/Investing-and-Saving_1856x1058.jpg?resize=1536,876 1536w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/investisseur-inspire\/idees-et-motivation\/\">\n\t\t\t\t\t\tId\u00e9es et motivation\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\/investisseur-inspire\/idees-et-motivation\/est-il-temps-dinvestir-ou-depargner\/\" class=\"card-title h4 mar-t-0\">Devrais-je \u00e9pargner ou investir ?<\/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-a1b32823-2302-41f8-920a-7d0f75b1f0ec 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financi\u00e8re.<\/p>\n","protected":false},"author":80,"featured_media":29480,"parent":6556,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[305,298],"rbc_content_type":[121],"rbc_audience":[143],"rbc_lob_group":[127],"rbc_difficulty_level":[123],"rbc_mmm_category":[32,103,45,49,92],"class_list":["post-29476","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-etablissement-dun-budget","tag-gestion-de-largent","rbc_content_type-article","rbc_audience-jeunes","rbc_lob_group-etudiants","rbc_difficulty_level-beginner","rbc_mmm_category-academie-financiere","rbc_mmm_category-changements-climatiques","rbc_mmm_category-connaissances-financieres-de-base","rbc_mmm_category-economie-101","rbc_mmm_category-etablissement-du-budget"],"acf":{"contently_publication_id":"","custom_author":"Tamar Satov","rbc_video_header":"","rbc_media_duration":"","rbc_video_keywords":"","rbc_video_description":"","rbc_video_upload_date":"","rbc_toc_for_mmm_tag":"h2","rbc_toc_for_mmm_limit":6,"rbc_toc_for_mmm":null,"rbc_toc_for_mmm_action":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<meta name=\"description\" content=\"Pour \u00e9viter des erreurs co\u00fbteuses, il ne peut pas faire de mal de transmettre quelques mots de sagesse financi\u00e8re.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/connaissances-financieres-de-base\/etablissement-du-budget\/enfants-aux-etudes-rappelez-leur-ces-pieges-financiers\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta 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