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  • Where P is the principal amount borrowed, A is the periodic amortization payment, r

  • is the periodic interest rate divided by 100…

  • Philip, I think it's a little early for this...

  • Oh yea, this is maybe more bedtime reading.

  • Not early in the day!

  • Early in her life.

  • I just want her to have a good headstart.

  • They say kids who learn about money early on develop better financial habits as adults.

  • But she's only three months old!

  • You mean one fiscal quarter old.

  • I'm putting her down for a nap.

  • A recent study found that 44% of Americans consider personal finance to be the most difficult

  • topic to discuss with others, moreso than politics, religion or death.

  • Maybe that's why most parents are more comfortable discussingbirds and beesthanterms and fees.”

  • See what i did there?

  • And when parents do discuss finances with their children, they tend to limit it to simple

  • ideas like saving, spending, and earning.

  • Researchers at North Carolina University found that children sensed that certain topics were

  • off-limits,” including family finances, parental income, investments and debt.

  • If investments and debt were discussed at all, they were far more likely to be discussed

  • with boys and not girls.

  • And most children had no idea why their parents were secretive about these things.

  • The truth is that money management is one of the most useful skills for getting by in

  • our modern world, and yet one that many Americans are never formally taught--not in school or

  • from their parents.

  • So who does teach today's children about money?

  • Advertisers.

  • Who, believe it or not, might not have your family's best interests at heart.

  • Unfortunately, there are a lot of predatory organizations out there that make big profits

  • from other people's poor financial decisions.

  • Don't get us wrong, making mistakes is an invaluable part of the learning process.

  • But when you're young, mistakes don't hurt that much.

  • If your lemonade stand doesn't sell enough units to cover overhead, well, you're out

  • a couple bucks, but you've learned an important lesson on managing cash flow.

  • That same lesson in your twenties will cost you a heck of a lot more than a couple bucks.

  • In fact, it could set you on a slippery slope to lifelong debt.

  • A study by by Edutopia found that kids who were taught financial literacy tended to have

  • less debt and a higher net worth as adults.

  • Now we're not suggesting you run off and discuss correlation coefficients with your first grader!

  • As your child's brain develops, certain topics will be more age appropriate than others.

  • When a child is between 4 and 6 they're ready to be introduced to the basic concepts

  • of money: Money buys things, it can be earned, and some people have more than others.

  • Games that use coins or paper currency can be a great way to make money seem less abstract

  • and more concrete.

  • At around 6 to 9 years old, children can begin interacting with money in the real world.

  • You might decide to give them a regular allowance, orpaythem for doing extra chores

  • or getting good grades.

  • This is also a good time to encourage giving.

  • Help them pick a charity that they like, and take them to make a donation in person, to

  • see the human impact of their gift.

  • Between 10-15, kids become able to absorb more advanced financial concepts, like borrowing

  • and investing.

  • If your child has their heart set on a big purchase, you might consider loaning them the money.

  • You could even consider charging them interest (and putting it in their college funds).

  • Better they learn the concept from you than a credit card company.

  • Alternatively, if they've managed to save some money, help them research investment

  • options like a CD, savings bond, or index fund.

  • Nothing can get them excited about finances like watching their money grow!

  • As they become a teenager, you should begin to reveal greater details of your own financial

  • habits and situation.

  • I know, it seemsweird.

  • But frank discussions about your salary, mortgage, taxes--even debt--could give them a huge leg

  • up as adults.

  • If there's something in your finances you're not so proud of well...

  • There's nothing more natural than kids learning from their parents' mistakes.

  • It's also the best way to familiarize them with the logistics of money management: ATM's,

  • digital banking, accounting apps.

  • Show them how you actually keep track of your balances and pay your bills.

  • Most people have to figure that stuff out all on their own, but it doesn't have to be that way.

  • Remember, you don't have to be a perfect teacher.

  • Many parents don't bring up the topic of money because they don't want to say the

  • wrong thing, but any kind of introduction is better than none at all.

  • One way or another, your kids will learn these lessons.

  • Wouldn't you rather it come from someone who genuinely wants what's best for them?

  • And that's our two cents!

Where P is the principal amount borrowed, A is the periodic amortization payment, r

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B1 中級

子供はお金について学ぶ必要があるのか? (Do Kids Need to Learn About Money?)

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    Capalu Yang に公開 2021 年 01 月 14 日
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