Why do parents have to allow their children to have a \”small treasury\”? This is the best answer I\’ve ever seen

I once saw a street interview about primary school students on the Internet. The reporter asked the children: \”Who do you think is the richest? How much is considered rich?\” The children\’s answers were varied and made people laugh and cry: \”The principal has more than 100 million.\” Trump has about ten villas, and he can earn 200 yuan a month. \”My dad is the richest, earning tens of millions a month.\” Behind the child\’s childish talk is a lack of understanding of money. This is the reason why many children spend money lavishly and extravagantly. There is a sentence in \”Money Education for Chinese Children\”: Children only know that money is a piece of paper, lucky money during the New Year, and red envelopes for birthdays, but they do not know that money is earned from labor and requires sweat. For a child growing up, not understanding money is a scarier thing than not having money. Money education is an important and indispensable part of children\’s growth. A domestic survey on teenagers’ wealth cognition found that: over 80% of 8-year-old children do not know where money comes from; over 70% of children have pocket money but do not know how to distribute it scientifically; most parents just give money but don’t care. use money. How to help children establish a healthy view of money not only reflects the wisdom and structure of parents, but also affects the child\’s character and destiny. 0190% of parents have fallen into the misunderstanding of pocket money management. Educator Merkel said: \”Money education is a required course in life and the focus of children\’s education, just like money is the focus of the family.\” Many parents daily Although pocket money is given to children, due to poor management, it is not conducive to shaping the children\’s view of money. 1. Interfering excessively or completely ignoring the children’s pocket money. The first type is the doting parent, who pursues the concept of “rich children”, gives them as much pocket money as they need, and responds to their children’s needs; the second type is the hands-off parent. I feel that giving money will put me at ease. I never ask questions and lack guidance, which leads to children spending money without planning. News like this emerges endlessly. An 11-year-old boy in Hangzhou recharged 60,000 yuan to play games; a second-year junior high school student in Hebei spent all his mother\’s 120,000 yuan surgery fee; and a 13-year-old girl rewarded an anchor with 60,000 yuan. The third type is the poor-crying type of parents, who interfere and limit the use of their children\’s pocket money. They like to cry poor to their children, express that they have a hard time supporting the family, and want their children to know how to save. When such children grow up, they will have an extreme sense of scarcity. 2. Link pocket money to housework or homework performance. Some parents like to link their children’s pocket money to housework or homework performance. \”If you are among the top three in the class, I will award you a hundred yuan;\” \”If you don\’t do your homework well, I won\’t give you pocket money\”; \”Throw the garbage in the trash can downstairs and I will give you five yuan.\” \”But it is undeniable that rewards can only play a \”short-term\” role to a certain extent. Indirectly affects children\’s values ​​​​and makes children lose the motivation to learn and work. As children grow older, it is natural for them to help with household chores. Once it is linked to money, it is easy for children to lose their sense of responsibility for the family. Pocket money, as a condition of exchange, is an external drive, while the key to a child\’s growth and progress comes from internal drive, which is the desire to do something from the heart. Linking study to pocket moneySometimes, children will unconsciously regard learning as a bargaining chip in exchange for pocket money, which will destroy the child\’s internal drive to learn. Dopamine is an important neurochemical transmitter for children to generate drive. Dopamine, also known as the \”motivation hormone\”, the \”mesolimbic dopamine system\” distributed in the cerebral cortex is the most important reward mechanism nervous system. Its role in the brain involves memory and learning abilities, as well as reward-seeking behavior, etc. . If dopamine levels are low in the body, it can lead to lower motivation, low effort, and a boring experience. When dopamine is secreted to an optimal level, it is easy to enter a \”flow\” experience and be able to completely focus on it and forget about time. A study shows that, whether adults or children, once they are \”immersed\” in doing something, the levels of brain chemicals (including dopamine) will increase, their concentration will be higher, their thinking will be sharper, and they will process things faster. It\’s like the brain is activated. This is why academic masters can be immersed in learning and enjoy it endlessly. Children with poor concentration often cannot properly secrete and absorb dopamine in their brains in boring environments. If you want to improve your children\’s concentration on doing things, parents can start by increasing the dopamine levels in their children\’s brains. EEG biofeedback training EEG biofeedback technology can activate the brain\’s neural network, allowing children to reasonably release dopamine during tasks, affecting brain metabolism and neuroelectrophysiological activities, promoting the reconstruction of the central nervous network, and regulating the secretion levels of various transmitters and brain functional networks. 02 Three correct ways to help children build a small treasury. \”Financial Education: My Children Can Manage Money\” proposes: 5-12 years old is a critical period for children\’s financial education. It is very important to establish children\’s financial and intellectual concepts from an early age. The period between the ages of 5 and 12 is also the budding period for children\’s financial intelligence. If parents consciously talk about \”money\” with their children, their children will not be trapped by money when they grow up. Today I will share 3 tips for parents to help their children build their own little treasury. 01 Guide children at different ages. Research by the University of Madison in the United States has found that children have different sensitivities at each stage of their growth, and primary school is the best time to conduct money education. Generally speaking, 6 years old is more suitable. On the one hand, 6-year-old children begin to have their own social circle; on the other hand, children begin to understand issues such as currency denomination and conversion in textbooks. If children have no contact with pocket money, they will be at a loss when faced with the knowledge of converting RMB. Starting from the age of 6 years old, parents can give their children a certain amount of pocket money every week, maintaining the principles of fixed amount, regular time and quantity. Use small amounts of money, such as 10 yuan a week, to train children\’s consumption decision-making skills. Usually, listen to more financial and business stories/or watch financial and business cartoons to your children, and read more financial and business picture books such as \”Crow Bakery\”, \”Puppy Money\”, \”Little Monkey Mani\”, etc. At the same time, remind children: There is only so much pocket money for a week. You can choose to spend some every day, or you can choose to save it and buy what you want. Starting from the age of 10, parents need to set some rules for the use of pocket money: such as how much to give, how often to give it, and reasonable planning of use… After the age of 12, open a bank account for your child, guide your child to make savings and consumption planning, and the child can decide how to use the money independently. Encourage children to set up stalls during winter and summer vacations to experience the feeling of creating wealth. Let your children learn some simple investments, understand compound interest and other financial knowledge. 02 Guide children to review their financial situation in a timely manner and know how to manage their own desires. The way an online mother cultivates her children\’s view of money is full of wisdom. She found that every time she gave her children pocket money, they would use up all the money in no time. She thought of a way: when she first started giving pocket money, prepare a ledger for her, list her daily expenses, and review it once a week. See what things you don’t need to buy? What consumption is unnecessary? What are the most important things to buy? And make an agreement with the child that if the pocket money runs out quickly this week, it will have to wait until next week. Let children learn to restrain their desires when facing consumption. After reviewing with the child several times, and after the child has a rough idea of ​​what should be spent and what should not be spent, the adjustment can be made to review once every two weeks or every month. This review of pocket money lays a healthy foundation for children’s future consumption patterns. Such children will know better how to manage their desires when they grow up. 03 It is key to guide children to use pocket money correctly. Professor Chu, a parenting expert, believes that children must be given pocket money. Children use their own pocket money to buy things and it is up to them. Because any choice means loss, you can control your desires. Life is full of mathematics, improve your ability to solve mathematical application problems. I deeply agree! Sun Luhong, \”China\’s No. 1 Mathematics Olympiad\”, shared his growth experience: What benefited him the most was using his pocket money to easily learn mathematics and plan financial management. For example, his mother would ask him to give money, change money, and check the amount when taking the bus; when he went to the store to buy daily necessities, he would have to calculate the price and total amount of the goods by himself… Over time, he mastered some knowledge about money and cultivated Correct financial management concepts and consumption awareness. Only when children have their own little treasury can they truly understand the value and use of money. They think: What can a dollar buy? What can ten dollars buy? At the same time, provide more opportunities for children to try and make mistakes, do not criticize, and let them understand why they made mistakes. If you want your child to improve his or her financial intelligence, start by giving him a \”little treasury.\”