It is reported that when Buffett was 5 years old, he resold the chewing gum he bought from his grandfather's grocery store and earned 2 cents per box. Robert Toru Kiyosaki, the author of Rich Dad and Poor Dad, began to learn business at the age of 9.
Personally, I entered the university at the age of 65,438+09 to get in touch with financial and business education. Compared with Buffett and Robert Toru Kiyosaki, it is better to edify them earlier. Anyway, learn early and use early sooner or later. You are reading, when did financial quotient realize? Have you had any similar experience after entering social work? 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 that child's wealth education?
2065438+July 2008, the first batch of certified "children's financial advisors" were born simultaneously in Beijing and Shanghai. Children's tutoring has become a profession, and it is a junior/senior vocational certificate issued by the state. 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 Bo Huang's "Xin Wei Lai" 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, fifties and even fifties and sixties. It is often said that 40 is not confused. Why don't many of us learn this until we are forty or fifty years old?
We are smart in many aspects 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?
As we all know, you can't achieve a better 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 poor. Many talented poor people don't know how their parents understand this sentence. Do we really need talented poor people to live?
So many outstanding students, famous schools and principals ... 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 in the past, when we were growing up, no one actually taught us, the 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. So 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 to let them experience a truly beautiful life. Through financial education for 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 better life, and a good education means a better future. To achieve a better life, children should have some knowledge of the whole society, wealth/money, business thinking and economic mind, which are all important components of a better life.
We have suffered some hardships since childhood, so we know how to cherish the good life now, so we feel that no matter how hard we are, we can't make our children suffer any more, so our children are really happy now. When they were young, they just ate and drank, and many things were basically supported by clothes. He has no concept of money and is used to being extravagant. His parents can satisfy everything unconditionally. Instead, 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 through our own efforts. Then our children will be rich second generation. For children, money education 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 being rich but not three generations? It is because our real children are pampered, extravagant and capricious, so you will find that the so-called rich second generation in our minds has too many problems and too many problems. ...
If you are the second generation, when the third generation comes into this world, your wealth may be very risky. It is better to cultivate children's ability to create millions of wealth without giving them a penny.
There is a nation in the world, and we admire it very much. Life is relatively hard. The so-called bitterness is too good compared with them. Jews basically control most of the world economy. Although they are few in number and have suffered a lot in the past, they can do well as long 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 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 you don't love him. You can't give him money easily because you love him, because all the wealth is created by yourself. This is the real good life.
If he has no ability, no amount of money can guarantee his life. Even because of so much money, he doesn't need to rely on himself, don't need to work hard, and don't need to struggle by himself. 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 the life of his children, he may be cheated by others or defeated.
Our primary schools, middle schools and universities don't involve such guidance at all, and parents often don't know how to guide their children. We in China have a very bad phenomenon. Many people are afraid to talk about money and don't want to think about it. They even think that talking about money is too tacky and hurts feelings. They even naively thought that they would 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 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 the life we need?
It is often said that investment is risky, and children without financial education will be very risky in the future. It's not that all illiterate people in the future have never gone to college, but all our children have the opportunity to go to college. But after going to college, without any business thinking and economic mind, how can such children give themselves a good life after entering the society?
Financial education is not financial education. Don't misunderstand that children have correct values, correct outlook on life and correct outlook on wealth. It is very important to lay a good foundation for learning wealth in the future. Financial quotient is a comprehensive ability, including IQ and EQ. It is a comprehensive accomplishment of knowing, cherishing and controlling wealth.
Children of different ages have 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 pay when we go out to buy things?
Now many children have many toys at home, but he still wants them. If parents don't buy it, it will be a good guiding opportunity, and their consciousness will sprout slowly. Family education can also be guided by pocket money, lucky money, including some daily consumption and some daily investment, or by some professional ways, some camps, training and various platforms. ...
0-4 years old is born rich, parent-child, picture book, listening to wealth stories.
At the age of 4-6, financial and business enlightenment can be realized 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-/kloc-graduated from junior high school at the age of 0/8, internship, professional experience and entrepreneurship.
The following are some books on early childhood financial management and enlightenment books on children's financial management, which can be used as extracurricular books.
(1) Where does 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 band
"Compare, who is more cost-effective"-Learn to bargain.
Saving is making money-learn to save.
Mother's gift-learn to be grateful
"Not greedy for petty advantages"-not greedy for petty advantages
My first pocket money-learn to keep accounts.
This is the source of money-understanding money.
To buy or not to buy-learn to be temperate
"Small Bank Card" —— Learn about banks
Christmas exchange-learn to exchange
My first income-learn to cherish.
② Bunny Financial Quotient ~ Series Three Books
Age: 3-7 years old
Bunny learns to spend money-why can't I buy it all?
Bunny learns to make money-make money by yourself.
Tutu learns to save money-form a good habit of saving money.
(3) Ten series of picture books developed by Liang Jingjing children's financial quotient.
Age: 3-6 years old
D & ampd Fast Food Restaurant
Zhenmai juice bar
Chengpu market
Red-crowned crane Chili sauce
Bear sells fish.
Chengpu kindergarten
Jinniu trading company
Mike's bike.
Jinshajiang Commercial Bank
Citrus brand orange
④ Children's financial and business education picture book series ~ series 14 volumes
School age: 6-9- 12 years old
Mom is an expert at bargaining-she knows the price.
The Story of the Grocery Store-Price Difference
Little frog selling algae-commodity circulation
Blue bow consumption
Xiao Li's Christmas gift payment method
My lucky money-economic etiquette
The sound of paper money-love coins
Sharing will bring happiness-learning and enjoying.
Grandpa street lamp-learn to be frugal
Magic Uncle-Resource Reuse
The squirrel's warehouse-learning to save.
Polar Animal Bank —— The function of the bank
Harvest in the Stone Field —— Understanding Investment
Cake shop is on fire-know about insurance
⑤ Eight series of children's financial business training picture books for small financial planners
School age: 0-3-6 years old
John's first income-learning to make money
Triumph Kingdom Exchange Festival-Learn to communicate
Yaya's group buying experience-learn to bargain
Sasaki's bookkeeping book-learn to keep accounts
Einstein's Stock-Understanding the Stock
Magic bank card-know the bank
Tick tock-learn to save.
Mother's day gift-learn to spend money
⑥ Four series of financial and business enlightenment picture books customized for children.
School age: 3-6-8 years old
King without Money —— An Interpretation of the Origin of Money
Colored paper-Understand the source and distribution of money.
Free mineral water-learn the magic price method
Mihuanhuan's Bank —— Learn to control and consume rationally
to be continued .......