过了这一年龄，就该给孩子零花钱了，很多父母都给晚了

Core Viewpoint - The article emphasizes the importance of giving children pocket money as a means to teach them financial literacy and responsible money management, arguing that withholding it can lead to negative financial behaviors in adulthood [5][12]. Group 1: Importance of Pocket Money - Many parents believe that providing pocket money is unnecessary if they meet their children's material needs, but this can be detrimental to the child's financial understanding [4][5]. - Children without pocket money may develop a poverty mindset, leading to either excessive frugality or reckless spending later in life [8][10][11]. - Parents who provide pocket money, even if not wealthy, help their children experience financial autonomy and develop a healthy relationship with money [12] Group 2: Financial Literacy Development - Financial literacy is not innate; giving children pocket money is the first step in their financial education [13]. - Children learn to make choices and understand the concept of opportunity cost when managing their own money [15][18]. - Research indicates that children who manage pocket money tend to have better financial skills and lower debt levels as adults [19]. Group 3: Guidelines for Giving Pocket Money - It is recommended to start giving pocket money around the age of 7, as children at this age can understand basic financial concepts [20][21]. - The amount of pocket money should be age-appropriate, with suggestions of 7-10 yuan per week for 7-year-olds and 15-20 yuan for 10-year-olds [22]. - Parents should establish clear rules for pocket money, ensuring it is given regularly and unconditionally, and not tied to chores or academic performance [25][27]. Group 4: Managing Pocket Money - Children should be taught to divide their pocket money into three categories: spending, sharing, and saving [28]. - Keeping a record of expenditures can help children reflect on their spending habits and improve their financial planning skills [28]. - The ultimate goal of providing pocket money is to equip children with the skills to manage money responsibly and understand the value of financial decisions [29].