Financial quotient is wealth IQ.
Financial quotient is a person's ability to handle money.
Financial quotient is a person's ability to identify wealth, manage wealth and create wealth.
Financial quotient is wealth literacy.
What exactly is financial quotient? Generally speaking, how to understand?
The series of books on poor dad and rich dad brought the concept of financial quotient to China, and all the explanations were American. How to use it for me and how to interpret it correctly in a Chinese way are the answers that all financial and business educators have been trying to find since 17.
As a financial and business enthusiast who has read rich dad's book for 4 years, I personally think that the content of financial and business is different in different growth periods.
For young children, financial quotient is to know the currency commonly used in China and the world, understand the source and production mode of currency, understand that currency is a tool of exchange, and initially understand the basic functions of currency. At this time, what children need to build is the basic functional knowledge of money.
For teenagers, financial quotient is the correct management and planning of pocket money. Know how to use money correctly, save money, and use simple Qian Shengqian (simple financial tools, such as Yu 'ebao, WeChat wallet, accounting software, Licaitong, Baidu wallet, digging for money, etc. ), and a part of pocket money is reasonably used for savings, so as to achieve greater goals. Understand the role of savings in meeting future needs, such as giving carefully selected small gifts for elders' birthdays, preparing a gift for teachers on the occasion of Teachers' Day, and using pocket money savings when you particularly want a big item, instead of spending it all. The initial understanding of teenagers' financial quotient is a sense of sharing, delayed satisfaction, planning and saving.
Now, primary school students also tend to keep up with the joneses. For example, if the car is not a luxury car, children will ask their parents to park it far away from school. A student has 10 yuan, and B student wants to borrow this 10 yuan for three days and pay 1 yuan interest. This behavior also involves credit establishment and risk awareness that only adults would have involved before. Children's credit is not only manifested in classmates, but also in family relationships. For example, a child may see that his classmate has a pair of cool running shoes, and he really wants to have them, but he clearly knows that his parents' income level and consumption concept will disapprove, so he may take them from his parents' wallets privately, or cheat their parents of their money, or get money through other channels. They are the scope of financial quotient, the establishment of personal credit and the initial formation of risk awareness and financial quotient literacy.
What's more, the primary school students rewarded the network anchor with 50,000 yuan, which was saved bit by bit by the parents who worked hard as cleaners. This involves the concept of money, and the child has no idea what this 50 thousand means. Therefore, at the age of 6 or 7, when children are most suitable for financial and business enlightenment education, we should instill in children the existence of various occupations in society and how they make money. For example, selling a steamed stuffed bun may earn 50 cents, and 10 steamed stuffed bun costs 5 yuan. The 50,000 yuan said that we would sell 65,438+10,000 steamed buns. How long will we sell these 65,438+10,000 steamed buns? Or my father is a locksmith, and opening a lock may earn 30 yuan, excluding the transportation and telephone charges to the customer's home. How many locks does it take to open that 50 thousand yuan? How long will it take to complete it? This is the formation of the concept of financial quotient, not only about money, but also about time. Time is also a kind of wealth. For children in different periods, the concept of "a lot of money" is also different. Kindergarten children think that 100 yuan is a huge sum of money, while primary school children may think that 1000 yuan is rich, and children's cognition is limited to how much money they can buy.
Therefore, the financial quotient of teenagers first involves the concept of goals, what goals to achieve, what resources to have, how to plan for achieving goals, and the most important thing is to implement actions for the plan. In this period, teenagers need to establish awareness of resources, planning, saving, investment and delayed satisfaction, and personal credit and financial literacy are also taking shape.
For college students, financial quotient begins to involve more values.
How to ensure the balance of living expenses every month, and not run out at the beginning of the month? How to ensure the balance of living expenses without campus loans and credit cards? How to balance the psychological gap between wearing Smith Barney and others wearing Adinik? How to balance part-time job and study? How to balance love and study? Should we study better or start a business earlier? What is the real business? Live broadcast, Taobao brushing, wholesale commodity stalls, several people running clothing stores or restaurants in partnership next to the school. What are the real businesses?
After college students become adults, they have basically formed their own values, and the re-formation of values will be affected unless they experience particularly important events in the later period. What are the values? Values are how to choose when faced with choices. College life is the first stop for parents to enter the society. After entering the university, no matter how big or small, you need to make your own decisions. The advantage of making your own decisions is that you feel very independent and are surprised by this growth. At the same time, you have to bear all the good and bad results of your decision.
The recently exposed campus loan borrows money from Platform A, and the people on Platform A will advise you to open Platform B to borrow money to repay the loan of Platform A, so that there will be platforms C, D, E and F, and then the loan of 1 0,000 yuan will become several thousand yuan or even ten thousand yuan. At this time, we should not judge who is wrong, but find the problem. The problem is that college students do not attach importance to personal credit and have no correct view of risk.
What's more, I didn't know how to repay the student loan one year after graduation, which led me to become a bank black account when I applied for mortgage and car loan, or to help the salesman complete the so-called task and open a credit card. Although I didn't spend money, my personal credit was affected by not paying the annual fee.
At this time, the financial quotient that children need to establish is planning consciousness, competition consciousness, innovation consciousness, personal credit and risk consciousness.
For social people, it includes financial investment ability, business opportunity discovery, family financial planning and all the financial quotient needed before becoming a social person, but at this stage, financial quotient is more of a literacy.
You just got paid, your wallet was stolen, and you have to pay off the mortgage, car loan, raising children and various living expenses. What's your reaction at this time? Is there more and more swearing in friends? I'm still trying to remember how I lost my money. Can I get it back? Or are you already trying to make up the fixed car loan and mortgage first? Still thinking, I must find a way to make more money to make up for it? Your thinking is your financial quotient. At this time, financial quotient is your accomplishment. Of course, the financial quotient of social people lies in your ability to find business opportunities. At this time, people's awareness of sharing, innovation and all the financial and business awareness that needs to be cultivated before are fully brought into play.
? 2
I have read a short story before.
It is said that people in a village have difficulty drinking water, and the villagers have to go far away to get water. The village chief called the villagers and said that he would contract out this business and let the villagers eat the water in their own village every day. Two people contracted the business. One of them bought a carriage and several vats, and then went to fetch water from a distant place every day and brought it back to the village. The other man disappeared. What did he do? He went to the investors and the construction team. A year and a half later, the distant water gurgled out of the pipe built by this man. As a result, the first person earned money for this year and a half and lost his job, while the second person enjoyed passive income. This is the financial and business thinking.
Financial quotient will have different explanations from different dimensions. It only refers to personal awareness of business opportunities discovery, and financial quotient is also reflected in family education.
Lao Liang's story will tell such a story
When Buffett was 6 years old, his grandfather asked him to do housework. After he finished, Buffett went to ask his grandfather for money. Grandpa only gave him a penny. Buffett was very angry and said, "How can I get such a little money after working for so long?" Grandpa Buffett said, "You didn't tell me about the reward before you did it." (negotiating ability)
That's probably the meaning of this story. Therefore, Buffett began to receive family financial education when he was very young. At the age of six, he began to save 30 yuan money every month. 13 years old, he had 3000 yuan and bought his first stock.
There is also a super classic financial joke.
A child asked his father, "Is our family rich?"
His father replied, "I have money, but you don't." I earned my money by my own efforts, and you can also get money through labor in the future. "
Another child asked his father, "Dad, is our family rich?"
Dad answered him, "There is a lot of money in our family, which will be yours in the future."
The first child will get the following information after listening to his father:
His father is rich, but his money belongs to his father;
Dad's money is hard earned;
If I want to have money, I must get it through labor and hard work.
The second child listened to his father's words and got the message:
My father is a rich man, and our family has plenty of money;
My dad's money is my money;
I already have a lot of money without effort!
The first father's answer can help a child establish a correct outlook on wealth and life, and make him a self-reliant doer, while the second father's answer can only make the child a weak "neet".
Therefore, financial quotient is a continuous formation of values.
The scope of financial quotient is very wide, and this paper is limited to discussing the definition of financial quotient. Due to the limitation of study time, my cognitive height also has certain limitations. I hope that your financial and business predecessors will give you more advice.
Children's financial quotient training program
3 years old: Know paper money and coins.
4 years old: Learn to buy simple things with money, such as brushes, bubble gum and snacks.
5 years old: Understand that money is the reward of labor, and exchange money and goods correctly.
6 years old: I can count a lot of money, start to learn to save money, and cultivate the consciousness of "I have money".
7 years old: can read the price tag of goods, compare with your own money, and confirm your purchasing power.
8 years old: Know how to open a bank account and save money, and try to earn pocket money by yourself, such as selling old newspapers to get paid.
9 years old: able to make a simple weekly expenditure plan and know how to compare prices when shopping.
10 years old: I know to save a little money every week and use it when I have a lot of expenses. For example, buy skates, scooters and the like.
1 1 year-old: Learn to evaluate commercial advertisements, find cheap and good products from them, and have the concept of discounts.
12 years old: try to invest in stocks and bonds and earn money by doing business.
13 years old-15 years old: you can try some safe investment tools and services and know how to budget, save and make initial investment;
16 years old-17 years old: learn some basic macroeconomic knowledge, learn to pay attention to global market information, and understand the relationship between simple financial instruments.