1, parents lack consciousness
In real life, many parents spend money lavishly and fail to establish a correct concept of financial business. In this way, the financial quotient training of children is not to mention. How parents educate their children depends largely on their ideas. If parents themselves lack the awareness of cultivating financial management, the financial quotient training of children will not come to an end.
2. Spoil children
Western financial businessmen who cultivate children mostly use it to make children work for their own remuneration. But this method is not feasible in most families in China, because China's parents are very fond of their children. If you don't want your children to work, capable parents will certainly meet their children's needs. Secondly, most children are very arrogant and lazy under the spoil of their parents, and naturally they are unwilling to take part in labor.
Parents don't want to let their children get in touch with money too early.
Most parents generally believe that if children are exposed to money too early, it is very easy to develop the bad habit of spending money indiscriminately. Many parents avoid talking about money in front of their children in order to protect their pure land and not to compare with others.
There is a saying in the financial business course of Harvard University: "In a family, children can't manage money, but they are not rich for three generations." This also shows how important it is for parents to cultivate their children's financial quotient. But most parents know the importance of financial management, but they don't know how to raise their children.
How to cultivate children's financial quotient?
Parents should set an example.
To cultivate children's financial quotient, parents must first have a strong concept of financial management. Only in this way can children be subtly influenced by their parents. Parents should let their children know what money is, what role it plays and how it comes from. In the process of parents' consumption, parents should be role models for their children. Parents should first spend money reasonably and keep accounts, so that their children can be taught by their parents and know how to plan pocket money reasonably.
2. Cultivate children's awareness of saving.
Parents can cultivate their children's awareness of saving from an early age, prepare a piggy bank for their children, and let them put extra pocket money into the piggy bank. This is a relatively simple method, but also more common. But there is a better way for parents to learn from. The method is that parents can go to the bank counter to help their children open accounts, which can not only save pocket money, but also help their children get familiar with the use of ATM, killing two birds with one stone.
3. Let children read some easy-to-understand financial books.
Parents can guide their children to read some easy-to-understand financial books. For example, Bodo Schaefer's "Qian Qian the Puppy" tells the story of how little girls learn to manage money. I highly recommend that parents choose this book as an introductory book for their children to learn financial management. The main content of this book is presented in the form of stories, which is closer to children's hearts and allows them to master some basic financial knowledge while enjoying reading.
The famous educator Xia Paul once said: "If children want to grow up, they must receive financial education from an early age." So in a sense, financial quotient is more important than IQ.
What impact will financial and business education bring to children?
1, understand that wealth can only be created through labor.
To cultivate children's financial quotient, we must first let children understand that wealth can only be created through labor. Parents can let their children participate in housework more, and let them get a certain reward through housework. Only by involving children can we understand the process of making money and the hardships in creating wealth.
2. Let children know how to manage money.
Early financial and business education can help children form a correct view of money. Only in this way can children reasonably control their own money in the process of consumption, avoid the phenomenon of spending money indiscriminately, and have certain protection for their future life.
3. lead a rich life
Everyone knows that Bill Gates is the richest man in the world, but he is very frugal, and his achievement is precisely because of his excellent financial quotient. Children with high financial quotient not only know how to manage money, but also study how to invest and manage money in order to earn more money and live a richer life.