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Um estudo publicado pelo Journal of Political Economy feito por pesquisadores da Universidade de Washington e da CEIBS (China Europe International Business School) mostra que o “gene da poupança” faz as pessoas serem predispostas a guardarem dinheiro.
Segundo a análise, 39% da diferença de quantias poupadas pelas pessoas ao longo da vida sofrem influência da genética. Ou seja, guardar dinheiro poderia ter relação com determinados genes responsáveis pelo autocontrole. Eles regulam ainda os atos de fumar e comer.
Para chegarem a essa conclusão, os estudiosos analisaram a renda de 15 mil pares de gêmeos da Suécia. O país foi escolhido por ser bem sucedido, no que diz respeito à economia.
Os gêmeos univitelinos, que possuem carga genética idêntica, tinham também comportamentos semelhantes para poupar dinheiro. Por outro lado, gêmeos bivitelinos, gerados de dois óvulos, apresentavam rendimentos bem mais diferentes entre si. O resultado aponta uma influência decisiva da genética.
No entanto, vale lembrar que essa descoberta não exclui a importância da orientação financeira para crianças. O estudo mostra ainda que pessoas que receberam educação econômica até os 20 anos de idade acumularam mais dinheiro durante a vida.
Quer saber mais sobre o mundo da economia? Acompanhe-nos também no Facebook: /DominusAuditoria.
Fonte: Época Negócios