The author of "Three Piggy Banks", Professor Yan Zhipeng, is currently the Martin Tuchman Associate Dean of Management and tenured professor of finance at the New Jersey Institute of Technology. Professor Yan Zhipeng has a boy and a girl. When the two children are growing up, as the father of the children, through stories and personal experiences, he shares how he guides his children to improve their financial intelligence according to different age groups. The core values ????in the book describe the most important basic rules for improving financial intelligence: you should have a strong character and hard work as the foundation, understand "saving" and "spending" are essential skills to improve your personal financial ability, and master the "four" aspects of debt. No” principle, learn to give and share.
There is this passage in Chapter 7 of the book: Giving and Sharing: "Sharing is a good thing and a responsibility, not just fun. Parents should encourage and guide their children to be willing to give from an early age. And sharing, this should be an indispensable part of developing financial intelligence. ”
Are you willing to share? Gain happiness
Many families buy many toys, children’s books, and clothes for their children. Shoes, etc., as the children grow up, there are many things that the children no longer use, and they pile up at home and take up space. As parents, you should discuss with your children to share these things with friends in need or donate them to children in remote mountainous areas. , and tell the children that these things can continue to exert their value elsewhere and reap the joy of sharing.
During the epidemic, Professor Yan Zhipeng spent his own money to buy cameras for students at the school. Online classes require computers. Yan Zhipeng encouraged his children to lend iPads to students. Exchange books with other families, save the cost of purchasing new books, and let your children understand the truth of 1+1>2 and the joy of sharing.
The book tells the story of Charlie Munger taking his son to ski and filling up the car with gas on the way home. Charlie Munger said to his son: "If you borrow someone else's car, don't forget Fill up the gas and then return it to others. "This story reminds me of a relative who drove my car to take her daughter out to handle something. I didn't care when I returned the car. When I drove to work, I realized that the car was already full of gas. A small thing reminded me that she likes to help others in life and is upright and kind. I also particularly like her daughter because I receive sweet blessings every holiday.
I very much agree with this passage in the book: "A truly frugal person is not a miser or an ascetic who spends all his money, nor is he a person who cares about money and is greedy for petty gains. A frugal person can spend money economically, effectively and prudently. . Moderate frugality means never being stingy when it comes to spending money, and never wasting money where necessary.”
The author mainly explains frugality in Chapter 5: Defense to win championships. Frugality is the best defense. It is also a kind of wealth in itself.
Saving itself is a kind of wealth
Living standards are improving year by year, materials are getting richer and richer, and the meals on the table are getting richer and richer. Many families cook meals based on what their children want to eat. Just do whatever you want; nice clothes one after another, toys one box after another. Parents are never afraid to spend money in order to meet their children's requirements. For a birthday, the cake should be the best, and the restaurant should be booked at a higher level. A few days ago, a colleague's child celebrated his birthday. The colleague celebrated his daughter's birthday by making a surprise birthday decoration in the trunk, saying that he wanted to give his daughter a surprise.
Li Shangyin, the great poet of the Tang Dynasty, wrote in the second poem of two poems about history: Looking at the past virtuous countries and families, success was due to diligence and frugality, and failure was due to extravagance.
Zhu Bolu, a poet of the Qing Dynasty, wrote in "Zhu Xi's Family Instructions": A porridge and a meal, when you think about the difficult place where you came from; half a thread, half a thread, constant thoughts on the difficulty of material resources. It is better to prepare before it rains and not to dig a well when thirsty.
Although living conditions are very good now, we cannot lose the virtue of frugality, understand that every porridge and meal is not easy to come by, and be grateful to the laborers for the fruits of their labor created for us. As parents, we should basically meet our children's living needs and let them know how to be frugal, so they can buy one less piece of clothing and one less toy. Let the children know that there are still many children in the world who have no snacks to eat, no good-looking clothes to wear, and cannot afford to pay school fees. We parents should set an example, starting from every aspect of daily life, and develop a good habit of thrift with our children. For example: when washing hands, the faucet can be turned down a little to save water; the purpose of turning off the lights when walking is to save energy consumption; the purpose of not leaving food is not to waste food, to be content with nothing, and to develop good habits through small things in life.
Frugality is a fine tradition of the Chinese nation since ancient times. Frugality can cultivate a person's character and cultivation. "Frugality cultivates virtue" is the wisdom given to us by our predecessors and is the cornerstone of success. It is also a precious wealth passed down to us by our ancestors.
Labor is the most glorious and the happiest. This is what we often say. Chapter 3 of this book: Wealth comes from hard work has this passage: "Housework can help children establish a sense of responsibility and independence. and perseverance, these are the qualities that are necessary to become a capable adult. ”
A happy life requires hard work
Many children today do not. When it comes to housework, parents do not realize that their children's participation in housework can build a sense of responsibility.
They always think that their children's main tasks are to study hard, complete their homework, and get good grades in exams, and they rarely let their children participate in housework.
In terms of training children to do housework, I admire a friend of mine. She has two sons. The older one is in the second grade of junior high school and the younger one is in the third grade. I remember going to her house one weekend and it happened to be I saw that the eldest son was mopping the floor while humming a song, and the younger son was happily washing dishes in the kitchen. The two children were working very enthusiastically. I asked her how did you train them to do housework? She said: "It's very simple, because children always like to eat delicious food, so I made an agreement with my sons that the whole family will do housework and cleanliness together on weekends, and learn to cook delicious food together. Starting from the age of 3, they are encouraged to tidy up their own rooms. , I ask them to help me pick and wash vegetables when cooking. Now my eldest son can cook vegetables for us. Every weekend, our family becomes a sea of ??joy. We discuss what dishes I usually ask him to cook next week. What do they recommend to prepare next week? They are very happy to participate in household work. "I admire her method of cultivating children to do housework in life. The children have learned life skills through active participation in household work. To be happy, understand that doing housework is a responsibility.
As the book says: "The key to a happy life is to work hard, achieve life goals, and enjoy the sense of achievement and satisfaction brought by hard work. We teach our children that work is not In order to let children become "child laborers", but to cultivate their enterprising spirit, discipline and innovation, let them gain confidence and dignity from doing a good job, let them gain confidence and dignity from doing a good job, let them From an early age, I understood that wealth comes from hard work.
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