At present, foreign countries are paying more and more attention to children’s financial quotient (MQ). Parents hope that their children can understand the concept of financial management early and lay a foundation for wealth.

Germany: Fairy tales open the door to money

Germany, which has always been known for its rigor, has a lively side when it comes to children. "Puppy Money", which tells a fairy tale about financial management to children, became very popular. Let’s see what this book says: “If you just have a try mentality, you will only end up failing and you will achieve nothing. Trying is an excuse. Before you do it, you have already given yourself Think of a way out. You can't experiment. You have only two choices, do it or not do it. "The most important factor in whether you can make money is not whether you have a good idea, nor how smart you are." The determining factor is your level of self-confidence.” With these lively and interesting words, I believe that in addition to establishing the concept of money, children will also learn more principles of life.

Beauty: Selling toys for income

As a country of immigrants, the United States has a very short history, so Americans have less traditional and conservative ideas and do not stick to conventions in their living habits. Similarly, Americans who are accustomed to spending future money are quite different from other countries in terms of financial education for their children. American parents hope that their children will understand the relationship between independence, hard work and money early on, and call financial education a "happy life plan that starts from the age of 3." The requirements for children’s financial education are: 3-year-olds can identify coins and banknotes, and 6-year-olds have the awareness of “own money”. They have a catchphrase: "You have to spend money to work!" American children will sell toys they don't need in front of their homes to earn a little income. This can make children realize that even if they are born into a wealthy family, they should have the desire to work and a sense of social responsibility.

British: It’s stupid not to save money when you can.

When people talk about the British, they give people the impression that they are too conservative. This style is reflected in financial education. The British It also advocates rational consumption and encourages careful budgeting. Therefore, the British are good at finding the most suitable way of life within various regulations. In the UK, financial education starts from early childhood, and different requirements are put forward for different stages: children aged 5 to 7 years old must understand the different sources of money and understand that money can be used for a variety of purposes; children aged 7 to 11 years old must understand Learn to manage your money and recognize the role of saving to meet future needs.

Day: Manage your own pocket money

The Japanese pay attention to family education. They advocate that children should be self-reliant and not borrow money from others casually. They advocate that children should be allowed to manage their own pocket money. The Japanese have a famous saying in educating their children: "Except for sunshine and air, which are given by nature, everything else must be obtained through labor." Many Japanese parents encourage their children to use their spare time to work outside to earn money when they grow older. In Japan, when many families buy toys for their children, they will tell them that they can only buy one toy, and if they want another one, they have to wait until next month.