There are rich people and poor people in society, which is an inescapable fact. It is reasonable to say that the second generation of the rich, they have the best material conditions and social resources, the starting point is better than the average family's children, parents give them good food, good clothing, good play, let them receive the best education, they should develop better, but this is not the case.
Today's "second generation of the rich" phenomenon sends a worrying message. Therefore, we should pay special attention to the "second generation of the rich", especially the education of family finance and business. The rich should leave enough wealth for their children to do what they want to do, but not enough to do nothing when they have enough wealth.
Material excess is easy to fall into the "disease of affluence"
Mr. Li's son graduated from college, stayed at home for several years, didn't want to do anything, talked about love and games all day, didn't read books, didn't study, didn't know what to ask, didn't learn anything else, learned to spend money indiscriminately, wore famous brands, lived in a five-star hotel, said and didn't listen, and also made a lot of crooked reasoning, saying that the family's money was enough for him to eat for a few lifetimes, and then go to work is sick and so on. Now Mr. Li especially regrets that when the child was young, why didn't he spend time properly disciplined?
Mr. Li is the founder of a company, his wife is also a strong woman, the two of them are typical "two ends do not see the child", when they go out in the morning, the child has not woken up, and when they come home at night, the child is already asleep. Usually busy making money, he rarely disciplines his son, and only a nanny accompanies his children every day. Mom and Dad enrolled him in several expensive interest courses, but the only driver who took him to class each time was the driver. It is more about replacing paternal love and tutoring with meeting material needs. Because you want to make money, you usually don't have time to manage your children; because you don't have time to manage your children, you give more money to satisfy.
Most rich parents are busy with business, basically do not have time to take care of their children's education, when the child proposes to the parents, want their parents to accompany themselves more, the parents will behave very wronged. They will complain that the child is too inconsiderate of the parents' hard work. With the passage of time, the spiritual distance between parents and children is getting farther and farther. Children who lack discipline have become problematic, so they go back to strengthening education and find that it is too late. They spend a lot of money on their children, from an early age to let them wear designer clothes, eat the most abundant meals, go to the best schools, and make their children a good person. Therefore, it has developed a child's personality of comparison and extravagance.
Some time ago, the news reported that Huo Qigang accompanied the baby, he let the 2 babies in the family earn good food and pocket money by washing the car, so that the child knew the price and payment behind the purchase, and did not get it casually. In this way, he hopes to let children grow up to understand that everything has a price and there is no free lunch. Pushing the time forward, we can see that Huo Qigang often takes his children to participate in various public welfare activities, so that children can bear hardships and do farm work. From the case of Huo Qigang's education of children, we can see that the rich people do not blindly pamper their children and meet all the needs of children, but let children know from an early age that all things are not easy to come by, and there is a return for paying.
Financial advice for the parents of the second generation of the rich.
1. The child's pocket money should be rationed regularly
For children's pocket money, the question for many parents is not whether to give or not to give, the key is how much to give and how to use. Before giving children pocket money, it is best to start from the following aspects: understand the pocket money level of students in the same city, the same school, and the same grade, and roughly on what level. The amount of pocket money for children should not be too stingy or excessive, and it is best to maintain the average line of children in the same grade.
2. Children at different ages should have different pocket money standards
According to the child's age, parents should discuss the issue of pocket money with their children in a business-like manner and reach a satisfactory solution. Tell your child that once an agreement is reached, it must be followed and enforced, and that pocket money is a rule of family life and cannot be changed at will. Strictly comply.
3. Mandatory savings
After receiving pocket money, deposit the portion of your estimated savings into an account that you can't use immediately.
4. Delay consumption
Delayed consumption is a common way to control consumption in many financial behaviors, you can first record the desired consumption, after a period of time to see, if you feel that it is really necessary to consume and then consume, if not consume, then save the cost of this consumption.
For example: I sometimes look at Taobao, I want to buy it in the shopping cart first, and then go to see if I want to buy it in a few days, and when I go to see it, I suddenly don't like it, and I save a consumption.
Every time you shop, you must have a plan, have an arrangement, think well of writing a shopping list, what you need to buy, do not need to buy.
Because of the particularity of the "rich second generation" family, I hope that parents will not pay too much attention to the child's requirements for food, clothing, shelter and transportation under the basic material needs of their children, and let him experience a life without money for a period of time when necessary, because for the rich second generation, wealth means temptation, but some things can never be bought by money, not materially satisfied. It is the parents who can guide them in the direction of life, the timely appearance of waking up their confusion, and the parents who can give them the opportunity to temper their qualities.