Many foreign children have been studying and training in financial management since they entered school. Many successful people abroad have a strong sense of financial management since childhood, and start financial management activities at an early age, such as saving money, working, stock trading and so on. Warren Buffett has been buying stocks since 10. As he grew older, his obsession with the stock market increased day by day, and he eventually became a world-famous stock god with a wealth of more than 80 billion US dollars. Then why do you say that the sooner you manage your finances, the better?

There is a case in the book Millionaire Teacher. A pair of friends, Starr and Lucy, have no money, so they start to give their parents $65,438 +0.45 a day for investment. As an adult, she still invests $45 a month. On the other hand, Lucy also has a good job and lives a "high quality" life. Since the age of 40, she has invested 800 dollars a month. She laughed at Starr's investment of only $45 a month, fearing that Starr would not have enough money after retirement, and kept urging her to save more. But in the end, under the same return on investment, when they were 65 years old, Lucy's final harvest was $237052 less than Starr's. The reason is that Starr can invest with $32,400, and then turn the money into more than $6,543,800. However, although Lucy's monthly investment is eight times that of Starr, because she started late, Lucy finally failed to get more returns.