How to let children live a "rich" life?

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Have your bear children ever asked you the following questions:

"Mom, does our family have money?"

"Mom, why can the Xiaoming family live in a villa, while we can only live in a small house?"

"Mom, why do you work so hard to make a little money, but Xiaoming's mother sleeps at home every day but has so much money?"

......

When children ask their parents questions about money, many parents may be uneasy – whether to tell the truth or to hide it is a problem that plagues many parents.

For Chinese parents, it is not easy to talk openly about money with their children, because the topic of money is more sensitive.

Many people are worried about telling their children that there is no shortage of money at home, and that children will develop the habit of luxury and waste - of course, more people do not have this concern, because they feel in their hearts that there is really no money at home...

In the process of raising their children, Chinese parents will let their children receive a lot of skills, knowledge and moral education, but often ignore their children's money education.

In fact, money education is the most important education in addition to moral education, because a good view of money can not only keep children in a healthy and upward state of mind, but also allow him to skillfully seize the opportunity when it comes, so that he becomes a rich person.

If you want your child to become a rich person, then you must listen to this "Anti-Coddling".

The book "Anti-Coddling" not only points out the importance of talking about money with children, but also tells us how to talk about money with children correctly.

01

If you don't want to spoil your children, you have to talk about money

Many people subconsciously feel that once they say to their children that "there is no shortage of money at home", or give their children a lot of pocket money, the children are easily spoiled, and even become stupid children who do not learn and have no skills.

But Ron Lieber, author of "Against Coddling," points out that spoiling a child doesn't cost much at all.

Spoiled children have four main things in common, but they don't necessarily appear at the same time.

They are: little sharing of household or other responsibilities, not much code of conduct and routine, a lot of attention and assistance given to them by parents or others, and possession of many personal belongings.

Among the common points of a spoiled child, the first three points do not cost half a cent, and even the fourth point, even if the family is not very rich, if there are many relatives doting on the child, the child may have a lot of personal belongings.

Today's children live in a materialistic environment, and even middle-class and working-class parents are worried that their children will believe in materialism and mistakenly think that everything is deserved.

But is this really the case? The answer is no.

The author believes that talking about money is actually talking about values. Money is neutral and can also be used as an educational tool.

Colleague A Zi's son is very naughty, every time he passes by the toy stall, he must buy toys, and if he doesn't buy them, he will crouch in the same place and cry, and refuse to leave no matter how he says.

Ah Zi had a headache because of this matter, and later I gave her a magic trick, and after she tried it, her son really changed.

This clever trick is that when her son refused to leave in front of the toy stall again, A Zi took the initiative to say to the child:

"Mom also wants to buy it for you, but at the moment, there is still two yuan difference in Mom's WeChat." Let's earn back the two bucks together, and then come over and buy toys, okay? ”

The son agreed to Ah Zi's request, and Ah Zi took his son and began to pick up mineral water bottles on the street. Ah Zi and her son said that a mineral water bottle can be exchanged for 5 cents, and they have to pick up enough 40 mineral water bottles to buy the toy.

In the end, the mother and son picked it up for almost 2 hours before they exchanged money for the toy.

After the son got the toy, he couldn't help but say to Ah Zi: "It turns out that making money is so hard, and it is really not easy for my mother to raise me." ”

You see, if parents use it properly, even for two bucks, they can instill in their children the values we want them to uphold.

In fact, on closer inspection, every question related to money is related to values:

Pocket money is associated with patience; giving is associated with generosity; work is associated with perseverance; compromise or reconciling the difference between "wanting" and "needing" is related to thrift and shrewdness.

Talking about these issues will be very helpful in cultivating children's insights. Children will know why their families are richer than most, or why they can't have more than their peers.

As long as you are grateful for what you have, willing to share it with others, and consume rationally on the things that make you happiest, you don't need to be ashamed whether your child has more or less than others.

This is the golden rule for children, and it is the same for us adults.

02

How to teach children to use pocket money

Nowadays, in many families, it is a common phenomenon to give children pocket money.

But many people only know to give their children a little money, but they don't know how to teach their children to use pocket money in order to play the biggest benefit of pocket money.

What is the biggest benefit of pocket money? It is to cultivate the patience of the child.

For example, if a child wants to buy a new toy, he needs 200 yuan. Parents can set their daily pocket money at about 10 yuan, let him save enough 200 yuan in a period of almost a month, and then go to buy.

In the way of delayed gratification, let the child know that only enough patience can be exchanged for the desired gift.

Learning to delay gratification is key to using money properly. Know that patience has a lot to do with a child's good financial situation as an adult.

The most eye-catching example is Buffett, if he did not develop a habit of patience when he was young, how could he become a generation of stock gods?

Patience is crucial, and it is also necessary for children to restrain shallow desires.

The book mentions three ways to teach children to spend pocket money:

1. Take your child's pocket money in triplicate;

You can prepare three storage tanks for your child, divide the pocket money into three parts, and use it for consumption, donation and saving in turn, so that children can understand that money has different uses.

2. Teach children to recognize "needs" and "wants";

Before going out to buy something, ask your child to list the items you want to buy and ask him "Is it a necessity for your survival" or "If the rest of the family thinks it's necessary for you." ”

According to the answer, divide the items into two categories: "need" and "want", and teach children to buy "needed" items first.

If your child is desperate to buy an item that "wants," you can encourage him to give reasons for buying it and ask him to cut his budget on other items.

3. Teach children to choose cost-effective products;

Before visiting the supermarket with your child, write down the items to buy and the total budget with the child. Guide your child to choose the most suitable product within the budget, and practice maximizing the value of limited money and bringing more satisfaction.

When the child learns to wait patiently, restrain desires, and distinguish between "want" and "need," then his financial quotient is basically established.

As they get older, such high-ranking children will learn more and more about how to make money and how to spend it, and the odds of eventually becoming rich increase dramatically. (At this time, you can swing while waiting for the local tycoon children to raise you!) ）

03

Help your child establish a correct view of money

Seeing this, you should also know:

When we talk generously about money with our children, we actually guide them to cultivate good values, morals, and qualities by establishing a correct view of money.

So, how to help children establish a correct view of money? These points mentioned in the book are worth emulating:

1, let the child know how lucky;

Many people have the ability to provide their children with all the necessities and can also provide children with many things they want. We may give less than others, but we give more than most people in comparison with the whole country or the whole world.

We know this very well in our own hearts, but children may not know much about it, so we need to cultivate this awareness in them.

You can take them to participate in public welfare activities, let them get rid of social myths, teach them to be grateful, and help them develop a sense of helping those around them.

2. Cultivate their generous qualities through donation;

If we want our children to learn to be generous, giving should not be ignored.

The author believes that the sooner you talk to your child about donation, the more the child will be able to derive joy from acts of generosity and harvest a good heart.

Donation can remind children to think about what they want to support for ideals that make society a better place.

3. The significance of work for money;

Knowing the importance of money, knowing how to spend money is not enough, but also knowing how to make money, so it is also very important for children to do some work to make money.

You can participate in money-making activities with your children – such as planting flowers with your children and selling them at the market; making handicrafts or cakes with your children and exchanging them for money.

As parents, we can inspire our children's instinct to make money from this work and observe how far this innate diligence will take the child.

Work is a child's instinct. Children can learn professional qualities in part-time work, such as self-development, cooperation with others, and doing one thing well from beginning to end, which are enough to transform children.

Teaching children to spend money and make money from an early age can not only cultivate his correct view of money, but also exercise the ability to think independently and coordinate the overall situation.

Understand that children can only be rich when they grow up if they understand money from an early age!

If you want to know more about the art of talking to your child about money, welcome to this book "Anti-Coddling".

If you also want to learn more about communication skills with your child, the following four books will help you, and after listening to them one after another, you will know how to become a more perfect parent.