Since ancient times, talents have been cultivated since childhood, and the influence of parents is particularly important for children's all-round growth. Many parents try their best to enroll their children in various cram schools and interest classes, such as piano, dance, calligraphy and foreign languages. Let children cultivate their own specialties from an early age. In fact, they ignore one of their own abilities-financial management ability. Whether you want to train your children to be businessmen or economists, financial management ability is a kind of values and outlook on life that our parents must pass on to their children.

It is necessary for children to learn financial management skills. In this era of economic development, financial management skills are particularly important. Compared with education in China, foreign countries pay special attention to the cultivation of children's financial management ability. For example:

America: A Happy Life Plan at the Age of 3

Americans believe that in the market economy and commodity society, a person's financial management ability is directly related to his career success and family happiness throughout his life. American parents want their children to learn the relationship between self-reliance, diligence and money from an early age, and call financial management education "a happy life plan realized from the age of three", so that children can learn to make money, spend money, have money and share with others. Ordinary Americans don't have the concept of "copper money stinks". They encouraged their children to work to earn money from an early age and taught them to earn money through proper means. This can make children realize that even if they are born in a wealthy family, they must have a desire to work and a sense of social responsibility.

Americans have a mantra: "Work costs money!" American children will sell toys they don't need at home to get a little income.

Britain: It is foolish not to save the money you can.

The British advocate rational consumption and encourage careful calculation. They are good at finding the most suitable way of life among various regulations. In Britain, financial education has been started since childhood, and different requirements have been put forward for different stages: children aged 5 to 7 should know the different sources of money and know that money can be used for various purposes; Children aged 7-1/kloc-0 should learn to manage their own finances and realize the role of savings in meeting future needs; Students aged 1 1 to 14 should know what factors affect people's expenditure and savings and how to improve their personal financial management ability; Students from 14 to 16 should learn to use some financial tools, including how to budget and save.

As a developed country, people in Britain are not completely forced by life and have to be careful. British taxes and prices are high, but people's living standards are not low. The average salary of the British is equivalent to RMB, and everyone can earn more than 30 thousand a month. But they think it is foolish not to save money. One third of British children deposit their pocket money and part-time income in banks and savings and loan financial institutions.

There is a saying that "getting rich by investing is not as good as getting rich by hard work". The financial planner of the Bank of East Asia said that children's financial and business education is an extremely detailed and huge systematic project, in which society, schools and families all play an indispensable role.

Guide children to establish awareness of investment and financial management as soon as possible.

China people are used to saving, and the savings rate is as high as 40%, ranking first in the world. In fact, the savings rate is very low, usually lower than the inflation rate. In order to prepare enough education funds as early as possible, "the rich are good at investing and the poor pay attention to consumption", we should help children collect appropriate education information as soon as possible, analyze the changing trend of education expenses and estimate education expenses.

We need to calculate the family's educational burden on children: education burden ratio = children's educational expenses at that time/family's after-tax income at that time * 100%. If it is higher than 30%, it is necessary to prepare as soon as possible. Whether children want to study at home or abroad, tuition and living expenses are different. Analyze different education expenses, save education funds for children as soon as possible, learn to use some financial management tools, learn to invest, and parents slowly teach their children ways and means of financial management.