Generally speaking, financial literacy education mainly involves economics, finance, management and other disciplines, and is integrated with personal decision-making, forming the basic content of financial literacy education we see now.
Speaking of Jews, people are generally deeply impressed that they are good at making money, and in fact they are. Let's look at a set of numbers. Jews account for only 0.2% of the world's total population, but 27% of the Nobel Prize winners were born. Jews in the United States account for only 2%, but they own 70% of the wealth of the United States, producing one-third of famous American university professors, accounting for 60% of the first-class American writers of literature, drama and music. Why did Jews succeed? There may be many factors, but one of them is that basically every Jew, from the family level, has received a good financial literacy education since childhood.
American parents attach great importance to financial literacy education. They call financial literacy education "a happy life plan realized from the age of three", and financial literacy is regarded as a core life ability. Many families let their children take part in labor at an early age, let them understand that wealth is hard to come by and can only be obtained through hard work, encourage their children to work to earn money at a very young age, and take pocket money and living expenses themselves, so that children can learn to stand on their own feet as soon as possible. In life, they will guide children how to spend reasonably, take them shopping, make shopping lists, teach them how to compare prices, how to find good and cheap goods and so on.
In the United States, the goal of financial literacy training for children of different ages is very clear. For example, at the age of 3, let children know about coins and their value, and gradually distinguish between needs and wants; At the age of 7, I began to look at the price tag, compare prices, and save money in my account; Make an expenditure plan at the age of 9; /kloc-at the age of 0/0, let children know about financial products, and even open an account for their children to buy and sell stocks. Through these practical operations, children can understand the financial situation and investment of the whole family and participate in family financial decisions. Let children's financial awareness be cultivated and improved, and at the same time increase their sense of responsibility.
In fact, not only the United States, but also more than 20 countries have taken financial literacy education as a national strategy and incorporated it into the national basic education system. Since 20 12, the PISA (International Student Assessment Program) of the World Economic Cooperation Organization has also added financial literacy to the assessment, which has become an important indicator for evaluating students' quality.
The first is to let children know about money and manage money.
My son is eight years old. I had a headache when he was about 5 years old. He especially likes two things, one is a dinosaur and the other is a gyroscope. At that time, there were about one hundred dinosaurs in our family, and there were thirty or forty gyroscopes, large and small, many of which were repetitive. Once he went to the mall and wanted to buy another dinosaur, so I made up my mind to change from this time on. I told him to limit it in the future and give him pocket money every month, which can only be spent on. After a long struggle, he accepted
After that, the situation changed. I was particularly impressed that once his fancy dinosaurs, each with more than 200 pieces, exceeded his quota. He asked me what to do, and I said three solutions-first, save money before buying it; Second, buy cheap ones; Third, borrow money, but pay interest. He later chose one with more than 90 pieces, but he told me, "I carefully compared it and found that this function is not much different from more than 200 pieces." I am so happy to buy this. " In this way, he learned to shop around.
The second is the training of practical skills.
When we go to the supermarket to buy things or travel, we try to involve our children in the plan. When making a travel plan, what is the budget, where is the most suitable place to go, etc. At the skill level, how to interpret information, set goals, make choices, and evaluate results. In fact, in daily life, we can all do it with our children.
Third, conduct personality education.
It is found that the financial education that only pays attention to knowledge transfer has a very low effect on children's behavior change, while those personality education related to financial decision-making have a significant impact on children's behavior change, such as money outlook, decision-making trust, sense of responsibility, control, long-term planning habits and so on. Therefore, more and more emphasis is placed on integrating personality education into financial literacy education, not just imparting knowledge.
Regarding the specific methods of implementing financial and business education, I have summarized some representative ones. For example, for younger children, you can tell stories. Now picture books are all about cost, money, economy, division of labor and so on. And the children are also very interested. Older children can simulate scenes, such as using tokens to let him gradually understand the concept of finance and economics; Then you can take your child to open a bank account and make goals and plans with him. When I was a teenager, I took my children to visit the bank. Let children shop independently, plan their trips, and even organize some activities and participate in projects.
In short, as long as parents pay attention to it, they can always find opportunities for education in their daily lives.