Nowadays, fashion parents all over the world unconsciously add an important course when educating their children, and this course is financial management.

In America, for example, April is the busiest time for children every year. They are not busy preparing for further study, but are busy learning how to manage money. At this time, all schools will be ready to accept these children. Some financial institutions, including banks, also send their own staff to schools all over the country to hold some financial lectures and teach some financial skills to local students. Such lectures are not only loved by children, but also welcomed by parents and teachers.

Of course, there is a reason why the United States attaches so much importance to students' financial and business education. 1997, two college students in the United States suddenly committed suicide, and credit card vouchers were everywhere around the suicide place. This incident has greatly shocked the US government, which is also puzzling. What caused the two young people to come to a dead end? It turned out that these two college students could not bear the pressure brought by credit card debt and chose to commit suicide to escape heavy debts. And they owe so much debt at a young age, the fundamental reason is that they have no concept of financial management.

In order to avoid the recurrence of similar tragedies, the US government has designated April every year as "Children's Financial Education Month". Because the government and society have realized that the lack of financial education will bring unpredictable consequences. If a person does not have the concept of financial management, he will be mediocre all his life and miss happiness; If it is serious, it will go to the point of no return and pay a heavy price.

In fact, the development and cultivation of children's financial quotient did not begin in the United States. Jews in the Middle East began to pay attention to the cultivation of children's financial quotient very early. For Jewish children, if they want pocket money, they must share housework. It is this concept of "no pains, no gains" that has been cultivated since childhood that makes Jewish children have a strong sense of independence in the process of growing up. So when they grow up, no matter where they go, no matter how bad the environment is, they can live comfortably because they will make money. So, do Jews only see money? Of course not! In fact, Jews only regard making money as a means of making a living. They pay more attention to reading and draw rich knowledge from books. There is a famous saying in the Jewish classic Talmud: "If you have knowledge, what do you lack?" ? If you lack knowledge, what do you have? "It can be seen that the Jews' cultivation of children's financial management begins with life and knowledge, because without life, everything will be impossible; Without knowledge, it is impossible to develop intelligence, let alone cultivate financial management.

Perhaps many parents think that children should be allowed to study hard when they are young, rather than being polluted by "copper smell" prematurely. The starting point of this view is certainly not wrong, because in real life, there are indeed many such situations, that is, many children are too utilitarian, which eventually leads to the distortion of human nature and even unscrupulous means for money. However, we should not deny that letting children receive financial education as soon as possible and know a little about financial management will make them more rational in their understanding of money and have a correct world outlook and values.

Fortunately, in recent years, more and more parents have realized the importance of financial education, but in reality, many parents are powerless and don't know how to educate their children about financial management. As a result, some parents strictly control their children's pocket money, for fear that children will develop the bad habit of spending money indiscriminately from an early age; Some are unattended and managed by children themselves, thinking that this can cultivate children's financial management ability. But in fact, these are extreme practices. The former, because of the excessive restrictions on children's pocket money, when children's reasonable wishes are not met, they will often be met by other means, leading to the breeding of wrong ideas; Let children be "housekeepers" by themselves, which may make children develop the habit of spending money indiscriminately, and even lead to the wrong idea that money is supreme.

There is no doubt that the earlier children's financial education begins, the better. It can be said that the earlier you start, the higher the effect. Therefore, the sooner parents have the concept of financial education for their children, the sooner children's dream of a rich life can be realized. Parents should carry out reasonable financial education from their children's childhood. The earlier children are, the more likely and potential they are to have wealth, because "the starting line of financial management is the starting point of a rich life." "

Financial experts often emphasize one sentence: if you don't learn to manage money when you are young, you will ignore it for a lifetime. "Dig into its meaning, that is to say, the education of financial management concepts should be carried out as early as possible, instead of waiting until the children grow up, because it is already late. The famous investment guru Buffett once said: "Noah didn't start building the ark when it was already raining heavily." The implication is that wealth needs to be accumulated and prepared in advance. Similarly, financial education does not wait for children to have problems before correcting them.

In fact, financial management education is also a kind of life education, because these educations are based on the dribs and drabs of life and run through children's life, so it is the most natural, vivid and acceptable training method for children.

In short, if parents neglect their children's financial education, it is equivalent to ignoring their children's rich future and beautiful life. Of course, parents should also pay attention to methods when educating their children about financial management, and teach them how to "spend money, save money, manage money and use money" according to the actual situation of their children's families, so as to help them establish a correct outlook on money and life, and then guide them to create and enjoy wealth.