adevarul.ro/economie/de-ce-le-este-greu-romanilor-

Many Romanians struggle to save money despite financial education courses, with 28.5% still facing challenges in applying learned concepts. While 77.6% report increased spending awareness and 39.4% have started investing, practical application remains difficult due to daily financial pressures. Average household expenses consume 85.4% of income, with significant portions allocated to food and housing. Economic uncertainty and fear of losses further hinder saving efforts, especially among low-income individuals. Although deposits are rising, they are unevenly distributed, with a small percentage holding a large share. Investments carry risks and lack the same protections as bank deposits, making careful financial planning essential for those with limited resources.