Chicken baby, in fact, can be simply understood as arranging various extracurricular courses for children, desperately letting them study, and striving to cultivate them into "cockfighting" in everyone's eyes. Let's take a look at how a "chicken baby mother" feeds a child who is only two years old in real life:
From 8: 30 in the morning to 10 in the evening, I study for at least 7 hours every day, and there are extra English classes, Lego games and restaurant management. Really busier than social animals.
In addition to this 2-year-old baby, the resume of Niu Wa, a 5-year-old "second generation" in Shanghai, was directly searched in Weibo. No kidding, when I opened it, it was 15 page resume. Take a quick look at the picture and give you a feeling:
Ancient poetry can come with your mouth open, 100 capital is a matter of course; In the last middle class, I can recognize 1200 words casually; You can read 500 English books a year. You can ask yourself how many English books you can read a year.
In addition to this 5-year-old "little prodigy", people feel anxious, and the previously popular TV series "Little Shede" also "added a handful of oil" to this anxiety. In order to alleviate parents' anxiety and make education return to rationality, the policy of "double reduction" was implemented, which greatly reduced the workload of students in compulsory education and standardized the operation of off-campus training institutions. However, in addition to the necessary subjects, many parents will enroll their children in some interest classes for their future.
I don't know when education has been rolled up to this extent.
Giva, is there a problem? Is it wrong to let children learn more? Everyone has a different opinion. At present, the general environment is that many people are pregnant and generally feel anxious. Although there is no way to make their children rich second generation, parents want to provide their children with the best education, hope that their children can live a comfortable life and strive for the life they want through their own efforts. In addition, if children are interested in after-school content, they should help their children grow up within the tolerance of their parents. No matter how to help children grow up, no matter what the method is, there is always one thing that cannot be bypassed, and that is money.
Raising children is too expensive. Let's calculate an account:
I can't imagine how much it costs to raise a child, and it is always linked to money.
Telling the truth and educating children, both in depth and breadth, are necessary conditions for sufficient financial support. Not to mention those families whose annual salary exceeds one million, they are still worried about their children's education expenses; Families with middle or even average incomes want to provide their children with the best things they can.
First, "rigid" education without long-term planning is prone to bankruptcy.
However, if there is no long-term planning and no rigid demand for children according to the actual situation of the family, then for a family, it is likely to "return to poverty overnight."
In May this year, the state introduced the three-child policy. For a time, "childcare costs" screened major forums.
China has fully liberalized triplet birth, and a couple is allowed to have three children. After the introduction of the policy, "the cost of raising children" has become a hot topic.
For many people, the biggest difficulty in giving birth to triplets is the cost of childcare. Xiao Chun, born in 1990s, is already the mother of three children. In addition to daily expenses, there are huge educational expenses to be invested. In order to support a family of five, Xiao Chun's husband took several part-time jobs, and both of them began to tighten their belts. Later, it became more and more difficult to earn money because of the epidemic. In order to keep the family running, Xiao Chun's husband borrowed an online loan. Unconsciously, the loan has reached 400 thousand.
Let's calculate the family expenses in Xiao Chun: the monthly rent is 4,000 yuan, the children's tuition for one semester is 30,000 yuan, and there are at least 2,000 yuan of diapers and milk powder and 5,000 yuan of other miscellaneous expenses every month. It is conservatively estimated that the minimum monthly expenditure is 6,543,800 yuan. In addition, their debt of 400,000 yuan will be paid back to 5,000 yuan every month, which will be divided into monthly installments.
This is no longer a problem that can be solved by saving money. In desperation, Xiao Chun had to ask her two sons not to go to kindergarten. As for the interest class, it is even more unable to pay. It can be seen from Xiao Chun's story that children's education is not a temporary expenditure, but a long-term necessary expenditure. If the education expenditure is not planned reasonably, then the family may fall into a "bankruptcy" situation.
In fact, the expenditure of education expenses is not only rigid expenditure, but also has the following characteristics: first, children must be raised to at least 18 years old, so the education fund can only be spent normally until at least 18 years old; In addition, even if the cost of children's education is the least, it will cost about 500 thousand by the age of 18, not including the cost of other interest classes; Finally, education expenses have different characteristics in different stages. Generally speaking, the older a child is, the more expenses he needs.
At these times, if there is no preparation in advance, the family conditions are not particularly good, and parents can't afford this extra cost, then all this can only be given up. Fortunately, investing in children's education is really just needed; But it won't happen overnight. You can make preparations in advance, instead of going step by step. Taking preventive measures can often help children go further.
Therefore, here are three suggestions for parents:
1. Children's education is just needed and inflexible, and must be planned in advance. There is no way to save money at any stage, let alone pay it back later. So be sure to prepare in advance.
2. The money for children's education does not need to pursue the return on investment excessively, but must be based on stability. Because high returns are bound to be accompanied by high risks, but money needs to be more stable. In case of deficit, the money children need on the way to education will be gone.
3. It has the function of compulsory saving. This money doesn't mean you can take it out whenever you want, so if you really need it, it's gone.
Therefore, many parents are interested in financial insurance such as education funds. If you start saving money for your child very early and have a fixed income every year, will the pressure on your child be less when he needs money in the future? With such questions, I will talk to you today about how to plan children's education funds.
The word "Jiwa" did not appear for a long time, but it quickly swept the parents' circle and formed a craze. Even in the WeChat state, the option of "Chicken Baby" has been added.
Second, what is an education grant?
Education fund is actually an annuity insurance, which is essentially a long-term financial management with guaranteed capital and interest. It is to deposit a sum of money into the insurance company for children at a fixed time. When the contract is agreed, you can receive a certain amount of funds. The money can be used to send children to school, buy a house and start a business.
The return time of the education fund is closely related to the children's education stage. General insurance money will be returned in high school and college. If you pay this insurance, you can get another sum of money. In addition, you can also enjoy the investment income provided by insurance companies and get corresponding dividends.
Third, do I have to buy an education fund?
Why buy an education fund? Why not keep it in the bank? Many parents will think so. Compared with other financial management tools, education grant has its irreplaceable characteristics:
1, safe
Education fund insurance can lock in the future income in advance when it is insured, and when and how much it will be collected in the future can be planned in advance when it is insured.
Once the policy comes into effect, no matter what happens in the external market, no matter what happens to the family, no matter what the national policy is adjusted, the money planned for the children in advance will not be affected. When it's time to collect money, it will definitely be received.
2. Compulsory savings
Because of the agreement with the insurance company, parents can force themselves to save money at the agreed time and choose the right choice and insurance amount for their children; If you surrender halfway, you will face losses. Therefore, with such a strong constraint, we can ensure that the education fund will be saved as planned. Then, it can not only reduce impulsive consumption, but also force savings; In addition, children can take out money when they need it.
3. Stable income
High-risk and high-yield financial products such as stocks and funds are not affordable for every family; One of the highlights of the education fund is that the rate of return is very stable. No matter how the external environment changes, the rate of return is fixed within the time agreed in the contract, which is very suitable for groups that need stability.
In addition, in the current situation of downward interest rates, long-term interest rates can be agreed with insurance companies, so in the long run, the income is very stable; Not to mention the money has been saved for more than ten or twenty years, and the principal has been lost. On the contrary, it has increased.
Different from financial management, the longest income period of bank deposits is generally five years, and interest is generally calculated according to simple interest; However, education grants can lock in long-term benefits, such as 20 years, and calculate compound interest. From the perspective of time dimension, the income of the two will widen the gap.
4. "Free premium" function
The so-called "premium exemption" means that if parents encounter any accident, such as serious illness or death, they can't pay for future education, the insurance company will waive all unpaid premiums, and the contents of the contract will remain unchanged, and their children can continue to be protected. As the backbone of the family, parents can avoid the losses caused by accidents to the greatest extent by purchasing education funds.
5, earmarking
The money that can't be taken out for a long time can solve the rigid demand, and can also guarantee the special fund to be used exclusively to ensure the education of children. But it is really a good thing to have a fixed income, reduce the pressure of taking out a large sum of money at one time and resist inflation.
Fourth, write it at the end.
Although "chicken baby" should have a certain scale, in modern society, reading is the most stable way to help children realize themselves. How far children can go and how high they can fly depends largely on what their parents have prepared for them and whether they are fully prepared.
What parents can do is to help their children as much as possible to provide enough "ammunition" when they rush forward, so that their children have no worries. The planning of the education fund must be done as soon as possible, not for the sake of the rate of return, but the more capital can be accumulated as soon as it is started. After all, educational resources are getting more and more expensive now.
Faced with the rigid demand for education, it is indeed a good thing to save a sum of money through the education fund in the form of compulsory savings, which can not only have a fixed income, but also resist inflation to a certain extent and reduce the pressure of taking out a large sum of money at one time.
On the road of parenting, we encourage together.