It is reported that when Buffett was 5 years old, he resold the chewing gum he bought from his grandfather's grocery store, earning 2 cents per box. Robert Toru Kiyosaki, the author of Rich Dad and Poor Dad, began to learn to do business at the age of 9.
Personally, I entered the university at the age of 19. Compared with Buffett and Robert Toru Kiyosaki, it is better to edify them earlier. Anyway, sooner or later, learn early and use early. You are reading, when was the financial quotient enlightened? After entering social work, do you have any similar experience? You will attend some wealth forums, wealth lectures, wealth courses and wealth creation training camps. Even so, we will be parents one day. Who will be responsible for the education of that child's wealth and wealth?
In July of 20 18, the first batch of certified "Children's Financial Advisor" was born simultaneously in Beijing and Shanghai. Children's tutor has become a profession, and it is a junior/senior vocational certificate issued by the state. From this, it can be concluded that parents need to pay attention to their children's financial and business education and fill this gap/vacancy in their children's education.
A few years ago, Ceng Yong, the chairman of Yurong Group, was invited by Huang Wei's "Vivi Comes" to share his experience of focusing on children's financial and business education, from which we can learn a lot, which is worthy of our discussion and reflection.
For example, he found that many financial lectures, financial planning and institutional lectures were in their thirties, forties and fifties, or even fifties and sixties. It is often said that 40 is not confusing. Why do many of us not learn this until we are 40 or 50 years old?
We are smart in many ways and handle many things well, but why do many of us look blank and even have a lot of resistance to finance, some economies and our family financial planning?
We all know that we can't achieve a good life by working hard every day. Sometimes we need to rely on some similar capital operation and financial planning, but why don't we understand?
We will see many excellent and talented people, but their lives are very poor. Many talented poor people don't know how their parents understand this sentence. Do we really need a talented poor life?
So many outstanding students, famous schools and top student ... will become moonlight clan and neet clan when they enter social work. Why?
Don't blame them, it's not their fault Later, it was discovered that from the past, when we were growing up, in fact, no one taught us, our school didn't teach us, and our parents didn't teach us. This is our parents, school, and education system. In the past, there was no guidance related to money and wealth. Therefore, many of us are at a loss. For economy, finance, investment, financial management and life planning, we have no such concept at all.
The real cultivation of children is not only to give them delicious food, good drinks, good schools and good rankings, but also to use what methods can make them realize a really good life. Through the financial education of children, I hope that our children will not have moonlight clan and neet clan in the future. I hope that our children's talent means a good life, and a good education means a good future. To achieve a good life, children have some knowledge of the whole society, wealth/money, business thinking and economic mind, which are all important components of a good life.
We have suffered some hardships since childhood, so we know how to cherish the good life now, so we think that no matter how hard we suffer, we can't let our children suffer any more, so now the children are really too happy. When they are children, they are just delicious and delicious, and many things are basically stretched out by clothes. He has no concept of money and is used to being extravagant. Everything can be unconditionally satisfied by his parents. Instead, it is better to let him be a child when he is young. Like many people, the evaluation of the rich second generation is not very good. We can realize the dream of the rich generation by our own efforts. Then our children are the rich second generation. For children, the education of money must be guided from childhood to adulthood. There is an old saying in China: You can't be rich for three generations? Why is it called rich but not three generations? It is because children are pampered, lavish and repetitive in our reality, so you will find that the so-called rich second generation in our minds has too many problems and too many faults ...
If you are the rich second generation, your wealth may be very risky when the rich third generation comes to this world. It is better to cultivate children's ability to create millions of wealth without giving them a penny.
There is a nation all over the world, and we admire this nation very much. Life is relatively hard. The so-called hardship is too good compared with them. Jews basically control most of the world's economy. Although they are very few in number and have suffered a lot in the past, they can do very well as soon as they have the opportunity. It is very important to rely on the national spirit and education handed down from generation to generation. They guide their children from small to large, for wealth and money.
It is human nature to love children, but the money given to children should be conditional. Not giving him money doesn't mean not loving him. Just because you love him, you can't give him money easily, because all wealth is created by yourself, which is a really good life.
If he doesn't have the ability, no matter how much money is given to him, it may not guarantee his life. Even because of so much money, he doesn't need to rely on himself, work hard or struggle on his own. He feels that his parents are around, and he will arrange everything. Once he is not with us, once his parents are not in this world, if he thinks that his accumulated wealth can guarantee his children's life, he may be cheated by others, or he may be defeated.
Our primary schools, middle schools and universities do not involve this guidance at all, and parents often don't know how to guide their children. We China people have a very bad phenomenon. Many people are afraid of talking about money, and don't want to think about it. They even think that talking about money is too tacky and hurts their feelings. They even naively think that they will grow up. Will we grow up?
We won't grow up, because we don't understand, we don't want to contact, and we are afraid of contact, so many people are very naive and naive about the concept of money, so even if we have money in the future, we will easily lose it, because we don't know how to control it? Don't know how to control it? Is this life what we need?
It is often said that investment is risky, and children without financial and business education must have great risks in the future. It's not that the illiterate people in the future haven't gone to college, and all our children have the opportunity to go to college. But after college, without any business thinking and economic mind, how can such a child give himself a good life after entering the society?
Financial quotient education is not financial management education. Don't misunderstand it as whether children have correct values, correct outlook on life and correct outlook on wealth. It is very important to lay a foundation for learning wealth in the future. Financial quotient is a comprehensive ability, including IQ, including EQ. It is a comprehensive accomplishment of recognizing wealth, cherishing wealth and controlling wealth.
Children of different ages are divided into different stages of financial quotient, and 4-year-old children are already very smart.
He knows why mom and dad are not at home with her.
Why do we have to give money when we go out to buy things?
Now many children have a lot of toys at home, but he still wants them. If parents don't buy them, it will be a good opportunity to guide them, and their consciousness will sprout slowly. Family education can also be guided through pocket money, lucky money, including some daily consumption, some daily investment, or through some professional ways, some camps, training and various platforms ...
0-4 years old born with wealth, parents and children, picture books, listening to wealth stories.
At the age of 4-6, financial and business enlightenment can be achieved through many games, many stories, cartoons and cartoons.
6-13 years old, the whole primary school stage, the foundation of financial and business education.
13-18 years old junior high school completion, practice, professional experience, entrepreneurship
The following is a collection of some children's early education financial books and children's financial enlightenment books, which can be used as extracurricular books.
(1) where did the money come from ~ series of ten volumes
School age: 3-6-9 years old
Features: early childhood education; Enlightened bilingualism; Chinese and English pictures; Sound bandu
"Compare, who is cost-effective"-learn to bargain
Saving is making money —— Learn to save.
Mother's Gift —— Learn to be grateful
"Not greedy and stingy"-not greedy and cheap
My first pocket money-learn to keep accounts
This is how money comes from —— Understanding money
To buy or not to buy —— Learn to be temperate
"Little Bank Card"-Learn to know banks
Christmas Exchange-Learn to Exchange
My first income-learn to cherish it
② Bunny Financial Quotient ~ Series Three Books
Age: 3-7 years old
Bunny learns to spend money —— Why can't I buy them all?
Bunny learns to make money-making money depends on your own efforts.
Bunny learns to save money-form a good habit of saving money
③ Liang Jingjing's children's financial quotient develops a picture book ~ series of ten volumes
Age: 3-6 years old
《D& D fast food restaurant
Zhenmai Juice Bar
Cheng Pu Market
Red-crowned Crane Hot Sauce
Bear sells fish
Cheng Pu Kindergarten
Jinniu trading company
Mike's bike
Jinshahe Commercial Bank
Citrus brand orange
④ Children's financial and business education picture book series ~ series of fourteen volumes
School age: 6-9-12 years old
Mom is a Bargaining Master —— Understanding the Price
The Story of the Grocery Store-Price Difference
The Little Frog Selling Algae-Commodity Circulation
Blue Bow-Wise Consumption
Xiao Li's Christmas Gift-Payment Method
My Lucky Money —— Economic Etiquette
The voice of paper money-take care of coins
Sharing will lead to happiness-learning and enjoying
Grandpa Street Lamp-Learn to be frugal
Uncle with Magic —— Reuse of Resources
The squirrel's warehouse-learning to save
Polar Animal Bank —— The function of the bank
Harvest in the Stone Field —— Understanding Investment
The Cake Shop is on Fire —— Understanding Insurance
⑤ Little Financial Planner Children's Financial Quotient Training Picture Book ~ Series of Eight Books
School age: 0-3-6 years old
John's First Income —— Learn to earn money
Exchange Festival of Triumphal Kingdom —— Learn to exchange
Yaya's Group Buying Experience —— Learn to bargain
Sasaki's Bookkeeping Book-Learn to keep accounts
Einstein's Stock —— Understanding the Stock
The Magic Bank Card —— Knowing the Bank
Tick-tock Tap —— Learn to save.
Mother's Day Gift-Learn to spend money
⑥ A series of four books of financial and business enlightenment picture books customized for children.
School age: 3-6-8 years old
A King Without Money —— Understanding the Origin of Money
Colorful Paper —— Understanding the Source and Distribution of Money
Mineral water is free-learning the magical price law
Mi Huanhuan's Bank —— Learn to control and consume rationally
To be continued .......