As a developing country, the experience of developed countries such as the United States is worth learning. Niu Jialin, the founder of Jin Chaoyang Finance and Business Education, the first family finance and business education institution in China, paid attention to the contradictions and difficulties faced by the United States and other developed countries since China's reform and opening up after World War II, and had a lot of experience in finance and business education and investment and financial management. Therefore, she and another founder, Mr. Cai, introduced the successful American financial management concept and investment and financial management methods to China. It is understood that in the 1970s and 1980s in the United States, the generation that grew up after World War II faced enormous economic pressure: many people were tired of work, but the growth of work income always seemed to run faster than inflation, but they didn't know how to make money except work. At this time, someone initiated the way of "country club", and got together on weekends to learn from each other how to buy a house, stock market and invest by inviting professional consultants. Therefore, more and more families join "country clubs", constantly changing their financial and business concepts, and gradually starting to save money and make long-term investments. This "country club" model of wealth independent education has helped the formation of the American middle class and made American citizens much richer than those in other countries. The data shows that in 1975, the rich account for 5%, the middle class accounts for 15%, and the poor account for 80%. 1998 the number of middle class reached 60%, and reached 80% in 2000. Witnessing the process of the growing middle class and the increasing affluence of the people in the United States over the past 30 years, the two founders of Jin Chaoyang fully realized that the family is the smallest "cell" of a country. If every family can be rich, society will be stable and the country will be truly strong. Therefore, they clearly defined Jin Chaoyang's financial education as focusing on family investment and financial management education, mainly targeting families aged 30-45, and devoting themselves to benefiting these social "stem cells". Since its establishment in 2006, the rapid development in the past decade has made it one of the most concerned financial and business education institutions in China, and it is also one of the pillars to meet the "big era" of financial and business education.