Children's education funds take a long time and the total amount is large, which is not the characteristic of personal education and financial management. The characteristics of personal education financial management mainly include: no flexibility in time and cost (meaning that there is no room for adjustment in time and amount of personal education and its expenses). It is difficult to know the education background and expenses of children in advance (because it is difficult for parents to accurately predict their children's interest in education in the future, and it is also difficult to make an absolute education plan). Children's education funds must be prepared by parents (children can't be completely independent economically in the process of receiving education). The growth rate of education expenditure is higher than that of general prices.