Most people define success as having money.
And if you have money, you will tacitly accept that this person has high financial intelligence.
In fact, high financial quotient does not mean that it will make money.
The ability to make money and business far exceeds the ability to make money and manage money.
Financial quotient refers to the ability of individuals or groups to recognize, create and manage wealth.
It is called financial quotient because before the advent of financial quotient, there were two other quotients: IQ and EQ.
In modern society, whether adults or children, financial and business education is indispensable.
Life is full of experience, and so is financial and business education.
My daughter is nine years old, and her financial quotient is relatively high.
Many friends have asked me how to educate my children in finance and business.
In fact, in life, education is everywhere.
When she goes shopping at the supermarket, when she pays her child for a tutoring class, when she needs pocket money to buy something...
Usually, I rarely teach her, but when I encounter specific things involving money, I communicate and communicate with her.
Recently, I received the "Excellent Student" from Qingdao Publishing House, and the concept in the book actually coincided with mine.
This is a financial and business lesson that parents can understand and use. There are two authors, one is Li Wei, the wife of Liu Yonghao, co-founder of New Hope and chairman of New Hope Group, and the other is Chen Xiaozhi, who has many years of experience in financial and business research and financial business training.
The main purpose of this book is to let children break through the upper limit of life and live the life they want.
01 Financial and business cultivation is not the preserve of wealthy families
The Greek writer Plutarch of the Roman Empire once said: Man's good fortune lies not in the richness of visible possessions, but in the perfection and richness of the invisible ideas within.
Many parents are confused: whether the child is poor or rich?
"Excellent Students" has a unique insight into this: the essence of rich children refers more to spiritual enrichment, which is to help children increase psychological wallet income.
This involves the cultivation of financial intelligence.
Learning to be financially intelligent is not the preserve of wealthy families, it is a necessary ability for every child to live a happy life.
Through the "6 Major Saving Strategies", the "Most Economical Family" in the United States seized every opportunity to make money, and finally achieved the goal of changing the status quo of the family:
(1) Chase after bargains; (2) Shop only once a month; (3) Shop on a plan; (4) Buy holiday items in advance; (5) Make good use of shopping offers; (6) Don't spend more than 80% of the money in the envelope.
The example of this family fully shows that financial management is not the exclusive preserve of wealthy families; on the contrary, the more ordinary children of families, the more they should learn financial quotient, the sooner they learn, the sooner they change the status quo of life.
02 How to cultivate a child's financial quotient
The great writer Gorky once said: There are many people who make money without hard work, but there are no people who squander without hard work.
Learning to make money and control spending is the key to smart kids becoming "top students."
Most parents avoid talking to their children about money for two reasons: one is afraid of their children's comparison, and the other is that parents feel that their children are small and do not need money.
The consequence of this perception is that the child does not have the ability to deal with money.
Broadly speaking, financial quotient reflects how children perceive wealth, how they use resources, and how they control their desires in life.
So, how should you cultivate your child's financial quotient?
Financial quotient cultivation includes three aspects of ability, that is, to let children correctly understand wealth, rationally use wealth, and have the ability to create wealth.
Correctly understand wealth, tell children that they need to fight for what they want, and the second is to let children understand the limits of money, and some things have nothing to do with money.
The rational use of wealth is to teach children to set goals reasonably and know how to make trade-offs.
To create wealth is to let children understand that wealth is not blown by the wind, but is created by people according to actual needs.
The cultivation of these three aspects of ability is also the process of children's character formation and psychological growth.
03 The most successful education for families is to make children love
"Warring States Policy Touching the Dragon says Empress Zhao" has a saying: Parents love their sons, and they have far-reaching plans for them.
Parents are willing to pay for their children, and they all hope that their children will have a successful career and a happy life in the future.
But in this era, our children often do not lack skills education, academic education, in the process of their growth, many lack of love, love themselves, love parents, love others.
There is only wealth and business, no love of children, even if it is excellent, what can be done?
"Excellent students" has such a sentence: education is the biggest investment and financial management of the family, children are well trained, we only need to cultivate children and enjoy the fun of family affection; if we are not well trained, we must not only cultivate children, but also need to cultivate grandchildren, facing the risk of being gnawed on, and the happy life in old age may not be guaranteed.
Families with love have a high happiness index.
Love and career complement each other, children with love in their hearts, treat people and things more peacefully, kindly, and have a stronger altruistic spirit, which will not only make their families happy, but also attract more people of the same frequency and achieve their careers better.
Liu Xiuxiang, winner of the "Most Beautiful Teacher in The Country" and taking his mother to college, is able to live a happy life despite being poor because of his love in his heart.
Loving children are the most successful investments in homeschooling.
04 Write at the end
The financial and business education in "Honor Students" contains not only the wealth code, but also the password to help children learn to plan and create a life and manage their lives.
As Liu Chang, director of New Hope Group, chairman of New Hope Six, said: Children who master the code of finance and business, the minimum of life is to ensure a quality of life, but also to create unlimited more life possibilities.
If you expect your child's future to be better, welcome to this book.