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Today's fortune client is Yin Lishan
Yin Lishan is a show on "The God of Wealth is Coming"
of veteran audiences
Is the mother of two mixed-race children
Also a corporate executive
Always dedicated to children
Financial and business education and training
Today's show
That's exactly what she's going to share with you
The secret of teaching children financial quotient
Yin Lishan's financial health diagnosis
Got 80 points
Bai Lifelike:
That's a very high number, and it seems that several experts are very positive about you. Exceptional! How do you usually educate your children about finance and business?
Yin Lishan said
First of all, in terms of giving children pocket money
There are traditional rules and regulations in your own home
Yin Lishan:
We will fix the beginning of the month and give money at this time. In elementary school, it will be given about 200 yuan a month, and after junior high school, it will be 3 or 400 yuan. If you exceed your monthly pocket money budget, you can only wait until next month. Everyone in the family must adhere to this principle, and it must be strictly enforced.
It can be seen that Yin Lishan relies on giving children pocket money to pry up financial education for them.
Senior Financial Advisor Shi Chenjun:
This approach is actually really remarkable, especially in the link of giving a quota to pocket money. A given amount of money actually cultivates the child's ability to weigh and choose,
Pocket money is a very key part of children's financial and business education, but when to give, how to give, I think many parents have doubts.
I've always adhered to the principle that progress is actually more important than progress. I don't use money to reward his points, but I will use money to encourage his efforts and his progress.
Thinking of the recent popular Jewish family's method of financial and business education, children do housework in exchange for pocket money, how many people do not agree with this way of education?
Senior Insurance Consultant Pension Planner Li Yan:
Home is about love and responsibility, and it is difficult for you to use money to communicate and measure this matter. How do you measure this emotion, how do you calculate the value of your parents' love and dedication to you?
Part-time work in winter and summer vacations exchanges labor for money, which is too normal, no problem. But in the special environment of home, in fact, love and responsibility are a little more.
Some children will also have rewards for learning well, over time, for younger children, his goal as a student will be blurred, whether it is to learn knowledge and skills, or to make money from their father, in fact, it will have such a negative impact.
Senior Insurance Industry Expert Chen Zong:
Cultivating children's financial quotient is actually a spirit of exchange and cooperation. Although we hope that he has a sense of money, we hope that they can pass on the good spirit.
So when did you first start doing enlightenment education in financial business?
It's pretty young, when I was four or five years old.
Financial and business education does not mean that the sooner the better, the specific age to start, I think it is not a fixed time. The main thing is to match the child's cognitive abilities with the concept of exchange.
General enlightenment is five to seven years old, eight to twelve years old can enter the practical stage, the middle school stage can simply teach some investment concepts, is a gradual process.
Yin Lishan said she always thought so
The right failure far outweighs the wrong success
The value that "failed education" can reap
It's infinitely large
My daughter loved collecting erasers when she was very young, and all her money bought them. We moved when she was eighteen, and she packed and packed, all of them rubber, and they couldn't be sold. In the process, she herself became clear that she had to save money to buy something that would appreciate in the future. So she said that I want to be a friend of time, in fact, to enjoy the compound interest of time.
In financial and business education, there are two very important views: one is delayed gratification, and the other is the concept of compound interest investment.
Is there any good way to help your child understand the time value of money as quickly as possible?
I have a way here, which is to get him a bank card. In addition to knowing how much money is in the account, he also has the benefit of finding that the interest rate of European banks is different from the interest rate of our Chinese bank, and people are almost negative interest rates, so they will immediately think that if they want to enjoy the value of currency time, they have to withdraw the euro and exchange it for yuan.
For children, you tell him that compound interest investment includes delayed consumption of these professional terms, he can not understand, in fact, in life, parents teach by example is more important.
In fact, I think the financial business is more in the scene of manufacturing practice. On the money thing, when I was very young, I told them that money is a good thing, and then I would tell them that money is not omnipotent, but it is impossible without money.
We are talking about the education of financial business today, as if it is around teaching children how to manage their money, but I think this is only part of financial business education, in fact, there is a lot of understanding and experience of life behind it, and the most important thing is to cultivate children's correct values and concept of money, so that they can become a more sound person.
Dear friends, for financial and business education
What are some good experiences to share?
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Source: "The God of Wealth Is Coming"
Editor: Shen Jun