Dare to talk about money with children.

Financial quotient is a person's ability to acquire and use wealth, and it is the wisdom to master wealth.

Things are bought through money, and money is earned through work and labor. A job is to do something useful to others in exchange for a reward.

Next, you can take your children to learn about various occupations.

We can let him go to the place where we work, or tell them what this profession is and what he does on the spot. If possible, we can also go to the Career Experience Hall (Children's Career Experience Hall).

Know the occupation, know the value of labor, know that there is gain when you pay, not only gain money, but also gain experience and growth.

Resources are scarce, so everyone should face the choice, learn to choose, and learn to spend limited resources such as money and time where they are really needed.

Need refers to something that will affect life without it.

Want something that you don't have in your life.

Let children participate in daily shopping, establish priorities, and let children choose gifts for themselves or others.

The price of a thing is not only measured by its price.

Let the children know the price tag first. The bigger the price tag, the more expensive it is. As for what price to buy, it depends on the intrinsic value of the goods and their own needs and abilities.

Exchange is the operating rule of commercial society, and win-win is for everyone to meet their own needs in exchange.

First of all, tell the child a story about a blind man lighting a lantern, so that he can understand what a win-win situation is. If the blind man can't see, he will still light a lantern, because this lantern not only illuminates the way of others, but also makes others see himself, so that he won't hit himself, which is convenient for passers-by and himself. It's good for everyone. It's a win-win situation.

Children often compete for toys. At this time, children can be guided to solve problems by exchanging toys. Exchange can not only play with more toys, but also promote children's socialization.

You can tell your child the process from barter to money exchange. Money makes it easier for everyone to exchange. The reason why money can be exchanged is because everyone agrees and believes that it can be exchanged.

Show children tangible cash, so that they have a more intuitive feeling about money. On the one hand, they can know the face value of cash, including large face value money and small face value money. On the other hand, they can observe and understand the price of goods and let children know how much they can buy.

Let children know that wealth is limited through small things in life, such as taking a bus or taking a taxi and buying one or two toys.

It is suggested that children manage their lucky money and pocket money well, so that children can feel that money is their own and take it seriously.

Put a little money in the piggy bank and a lot of money in the bank. You can take your children to the bank to open a children's account. The advantage of depositing in a bank is that you can earn interest.

Also tell the children that they are minors and can't lend money to others casually. You should also discuss with your parents when you spend a lot of money.

Children generally want to be satisfied immediately after making a request, and lack the ability to delay satisfaction. So we should guide them to make the right choice between "immediate satisfaction" and a bright future.

When the principal earns interest, it will have a compound interest effect over time, just like snowballing. Patiently holding the principal is a better future. If you think the snowball is small at first and don't snowball, the big snowball behind it won't exist.

How to guide and cultivate children's patience? First of all, children under one year old need to be satisfied in time and cultivate a sense of security. Children over the age of three can appropriately let him wait in life. For example, if he is in a hurry to go out to play, he can wait until his mother is ready. If he is in a hurry to eat, let him wait to cool down. Tell him to buy the toys he wants now. Secondly, give him time to wait, let him know that the result of waiting is good, the waiting now is worthwhile, and all the toys and games we promised next time must be honored. Finally, we should pay attention to empathy. It is normal for children to cry because they are not satisfied at the moment. Instead of scolding him, we should comfort him with empathy and tell him that mom knows you are a little sad now, but we will get better next time. Hug him, kiss him, gentle and firm.

Dare to question authority, have their own ideas, is a good thinking of the rich.

How to cultivate children's independent thinking ability, not afraid of authority;

First, treat children as an independent person and let them fully express their views. Especially those who are different from others.

Second, we should dare to let children try, even if it seems unreasonable and wrong to us. In the process of constantly trying, children are constantly brainstorming, and gradually they will develop the habit of independent thinking.

Third, as an adult, you should be able to meet the challenges of your children, don't regard yourself as an authority, and don't be afraid of losing. Because our loss may be the growth of children.

I want to share, not you. Not because I have it, but because you need it, I want to share it.

Therefore, first of all, we should respect children's property rights and not force them to share them. Only when he thinks this thing is his own will he want to share it.

Some things you have and some people don't, so we should cherish what we have.

Usually you can take your children to do some public welfare and feel the joy of sharing and helping others.

There are various safety risks in life, including personal accidents and property safety, so children should be taught to identify, deal with and prevent them.

Raising children's risk awareness means telling them "no" and letting them understand "why not", which will have terrible consequences.

Personal safety must pay attention to prevention and don't do dangerous things.

You can't spend all your money at once, or you will get into a predicament of no money when something happens. Therefore, you should spend money in a planned and moderate way, and it is best to set up an emergency fund in case of emergency. You can't spend this money

Insurance is a good tool to transfer risks. Usually spend a small sum of money, in case of an accident, you can get a large sum of money to tide over the difficulties.

Through the comparison of stories and things around us, such as Disney Park, parks and museums, as well as roads, street lamps, police, fire fighting and kindergarten toys, let children know that a large part of our life is public affairs.

These public facilities and articles are built and purchased by individuals who give part of their money to the state, that is, the contribution made by everyone's tax revenue. Therefore, everyone has the right to enjoy the convenience brought by public products and the responsibility to care for public products.

Everyone has the right to manage his own property, but he should also respect the property rights of others. Besides taking care of things at home, we should also protect public goods outside. Although public goods are not directly bought, everyone contributes every day.

The state arranges the taxes collected in a unified way to create a safe and comfortable living environment for everyone.

Whether it is private or public goods, everything is a resource, and children should be taught to cherish it from an early age.

Letting children make their own plans and make their own commitments is also a process of learning to be responsible for their own lives.

First of all, parents should keep their word, abide by the agreement with their children and set a good example for them.

Then give children full participation rights, make rules together, and make three chapters together.

If the child breaks the contract, parents should insist on saying no, and if the child keeps the contract, they should give encouragement.

The biggest factor affecting the future is the habit formed from childhood.

It is necessary to cultivate children's habit of thinking about what they want, planning their own lives and managing their own wealth.

Parents should resist the desire to help and give up the pursuit of perfection. They might as well be lazy and stupid mothers, trust their children, give them the right to choose and autonomy, and learn to manage themselves.

For example, when dealing with children's ever-changing hobbies, let him choose what he is most interested in, set up a stop-loss line, and tell children to stick to it for at least one year, not only to enjoy the bright spots, but also to endure the trough. You can set a small goal first and complete it step by step.

If children have no ideas, they can also be encouraged to set a short-term goal in life, and there will be rewards if they achieve it.

Children are guided and encouraged. Think of him as an independent person who can be discussed, not an urchin who knows nothing, and the child will give you the best look.