Lei Lei's mother told her fortune.

When we get together with classmates, we often find such a strange phenomenon: Xueba was admitted to a good university, but disappeared from everyone after work, and the scum of that year may have achieved great success in my career and become a big boss. It can be seen that knowledge can change fate, but it is not the only condition that determines fate. People with financial quotient are more likely to make money and succeed.

Lei Lei is a child in the kindergarten middle class. She is very clever and often says some "golden sentences" to make her parents laugh and cry. Last month, when Lei Lei came home from school, she rarely turned her head and asked her mother, "I heard that other children started to get pocket money when they went to kindergarten. I have been in kindergarten for almost two years. "

The implication is that I have no money and want my mother to give me some pocket money. Lei Lei's mother usually dotes on her children, so she took out a pink ticket without saying anything and let her son spend freely. But it is also said that this is a month's pocket money, and if it is gone, it will not be given again.

Lei Lei readily promised, but left it behind when he went out. In the next few days, he was particularly excited. His parents took him out to play and wanted to buy everything he saw. Sure enough, I spent all my money in just a few days. Lei Lei, who tasted the happiness of "wealth", naturally didn't want to go back to the days when she had no money, so all kinds of coquetry begged her parents to give her some pocket money. His parents couldn't beat him and had to compromise. Unexpectedly, Lei Lei soon spent every penny of his money.

In fact, Lei Lei's behavior is a typical lack of financial quotient, and he doesn't know how to use money correctly. The importance of IQ and EQ is widely known, but financial quotient is the key to children's success. In parenting education, parents should never neglect the cultivation of children's financial quotient.

If IQ and EQ can help children earn the first 1 barrel of gold, then how to continue this wealth and continuously increase its value requires children to have excellent financial and business skills. Compared with the ability to make money and maintain wealth, the impact on children's future is undoubtedly more important.

Children with high financial quotient can use their wealth reasonably and have their own plans for the use of money. We will not over-consume, nor will we be stingy with our daily needs. Carry out financial consumption and accumulation in a planned way. Such a child can truly become the master of life and succeed in future life.

In the famous financial and business bestseller Poor Dad Rich Dad, the author once wrote, "If you don't teach your children about money, someone else will replace you sooner or later. This person may be a creditor, a profiteer, a policeman or a liar. " Therefore, if parents consciously cultivate their children's financial quotient in their early years and let them know the risks of money, then naturally they can avoid their children being cheated in the future and reduce the risk of accidents.

If a child has a superior IQ, it will undoubtedly provide a good platform for future development. Good interpersonal relationships, if versatile and good at dancing, are also of great help to children. Children with these excellent qualities can easily earn 1 bucket of gold in life, but how to continue wealth and how to use it reasonably requires children to have very high financial quotient. Therefore, parents should cultivate their children's financial quotient in a planned way.

The so-called delayed gratification is actually the core of children's financial and business education, which can help children control their desires reasonably. For example, when a child wants something, parents don't have to agree immediately, but can delay it appropriately to lengthen the waiting time of the child. This can reduce the child's inner desire and let the child know what he really wants. However, parents should pay attention to the fact that children's basic living needs cannot be delayed, and they should be met as much as possible.

Parents should teach their children to use money, distribute and manage wealth in a planned way. You can try to fix your child's pocket money every month, so that children can learn to allocate it reasonably. Part of it is used to buy stationery and part of it is used to buy favorite snacks. Help children carry out logical guidance and let them develop the habit of distributing wealth reasonably.

It is also a necessary lesson for children to look at the gains and losses of wealth rationally. Don't be blindly arrogant and profligate when you get wealth; When you lose your wealth, don't fall into it and feel sorry for yourself. Help children to cultivate rational personality, so that children can calmly look at the gains and losses in life, so that children really have a bright future.

In the above three aspects of educational content, the real core of financial and business education actually lies in delaying satisfaction, that is, teaching children to control their desires reasonably. If children can't control their desires, there will be unplanned profligacy. Like the borrowers we often see in our daily life, these people undoubtedly lack financial education and do not know how to control their desires.

When a child makes a request, parents can guide the child to think calmly and let the child know what is wanted and what is necessary. The so-called necessity refers to an indispensable object that exists objectively, and desire comes more from the child's own subjective thinking and is what the child wants. Parents should not be stingy with their children's necessary items, and appropriately extend their children's waiting by delaying the satisfaction of the items they want.

If parents want to teach their children what they want, they need to make corresponding efforts, so parents can make use of some small chores in life to let their children earn pocket money through their own labor. Guide children to understand that there is no free lunch in the world. If you want it, you must pay for it.

Parents can also guide their children to establish a wish list, list the items they want most, and then exchange housework according to the value of the items. Let children accumulate the cost of realizing their wishes through their own abilities, which can help children realize the importance of hard work and let them know how to make money in a planned way and realize their wishes.

In fact, for most ordinary people, the IQ gap is not very big, and EQ is more about maintaining the relationship between people. However, whether a person can succeed in the end depends on the level of financial quotient, otherwise, even if he makes money, it is difficult to hold it for a long time, and it is likely to disappear because of extravagance and waste without planning.