Many western countries believe that children should know the hardships of making money from an early age and need to be encouraged to establish the concept of money and experience the fun of making money. In China, many parents still insist on the concept of "no matter how hard they suffer, they can't suffer their children", for fear that their children will be tainted with "copper stink", so financial management education is naturally ignored. This has also caused many domestic teenagers to be unable to integrate into local life for a long time abroad, and the gains from studying abroad have been greatly reduced. In fact, every one of us is in a turbulent economic tide today, and the earth is getting smaller and smaller. For children, especially teenagers who are about to receive overseas education, financial management ability is actually survival ability, and financial management education is related to children's survival education. Then, how to let children establish modern financial management concepts and prepare for studying abroad in advance? Let's listen to the financial adviser's opinion. A person's ability to understand and control money includes two aspects: one is the ability to correctly understand money and its laws; The second is the ability to correctly use money and monetary laws. Today's children need to know financial knowledge more than ever before. Here, I would like to give some suggestions to the families of small international students: 1. Talking about money with children Many parents have two extreme ways to educate their children about financial management. The first is to dilute the role of money. Because I am afraid that bad thoughts such as mercenary and money worship will grow on my children, I chose the old adage that "a gentleman is righteous and a villain is profitable" to keep my children away from money from childhood. Second, the role of money is exaggerated excessively, and the future of life is regarded as the way of "money". Educating children to earn money is the only criterion to measure the value of life. Objectively speaking, human life is a process from human capital to financial capital. Therefore, children should have a moderate understanding of money from an early age, know the source and use of money, and know how to make money and spend money. Moreover, this ability is best cultivated from an early age. The sooner you grasp it, the better the effect will be. The research shows that 5- 12 years old is the key period of children's financial education. 2. Turning ideas into actions Teenagers' minds are not yet mature, and their awareness of financial management is very weak. In life, their consumption behavior is more casual. Therefore, when children have a reasonable sense of consumption, they need parents to urge them to turn their consciousness into good consumption habits. In foreign countries, after long-term observation and research by relevant experts, several common financial management misunderstandings are summarized, including: overdraft enjoyment, not considering repayment; No habit of saving; Spend all your money when shopping; Trust only advertisements when shopping. In order to solidify good behavior habits and avoid unplanned or excessive consumption abroad, we can form the habit of keeping accounts before studying abroad. Parents can audit their accounts regularly, or parents and children can make rules after consultation, which will be strictly enforced by children. 3. Participate in family financial management. Nowadays, children are mostly self-centered in both life and financial management. Therefore, from now on, children can be guided to participate in financial planning on a family basis and learn to spend money for their families, parents and social welfare.