（原标题：过了这一年龄，就该给孩子零花钱了，很多父母都给晚了） 一个宝妈在群里说，自己快被孩子气炸了。 原来是孩子偷拿了她放在抽屉里的100元。 气得她揍了孩子一顿。 "明明家里吃穿不愁，物质上从没亏待孩子，才10岁怎么他就学坏了呢？ 群里有家长问了句，"你是不是从来不给孩子零花钱？" 宝妈说："啥都给他买了，也不用他买什么，没必要给零花钱啊！" 这其实是很多中国家长的想法：觉得物质不缺就不用给孩子零花钱，认为孩子不需要钱，或过早接触钱 会学坏。 可真相是，过了某个年龄还不给孩子零花钱，不是保护，反而是在害他。 《穷爸爸富爸爸》说： "如果你不教孩子金钱的知识，有人会替你教。 这个人是谁？也许是债主，也许是奸商，也许是警察，也许是骗子。" 给孩子零花钱，教孩子合理花钱、管理零钱，其实是在帮他建立一生受用的金钱观。 01 没零花钱的孩子，内心其实很贫瘠 很多父母不但不给孩子零花钱，还经常在孩子面前哭穷："咱家没钱，省着点。" 这种哭穷教育本意或许是激励孩子懂事节俭，但结果却往往适得其反，孩子很容易形成两种极端： 一种是过度节俭，即使长大后经济宽裕，仍对花钱抱有罪恶感，活得紧绷而焦虑； 另一种则是报复性消费，一旦 ...

（原标题：早点告诉你的孩子，一定要对钱有概念） 《富爸爸穷爸爸》说： "如果你不教孩子金钱的知识，将来有其他人取代你，比如债主、警察，甚至是骗子。" 前几天在超市，看到这样一幕： 孩子想买玩具，妈妈觉得太贵了，就对她说："我没有钱了"。 孩子哭着说："你骗人，你有手机，就有钱，手机扫一扫就能买。" 先不说妈妈这种处理方式对不对，就说孩子对钱的认知，很多孩子估计和这个小男孩一样，觉得钱是从 手机里来的，取之不尽用不完。 再加上很多家长对孩子有求必应，移动支付普及，很少见到现金，孩子对钱没概念，养成了想买啥就得 买啥，也不懂珍惜，主打喜欢、任性。 很多父母觉得，孩子长大就懂事了，但金钱观从来不是 "长大自然就懂"，而是需要从小引导。 金钱教育是人生的必修课，也是儿童教育的重心。 让孩子明白钱怎么来、怎么花、怎么存，才能培养出理性消费、懂得规划的金钱观，这比单纯的知识教 育更重要。 以下3个方面，家长一定要尽早教给孩子。 01 对挣钱有概念 经济学家杨长江曾说： "中国孩子压根就没有金钱意识，孩子们不知道金钱是从哪里来的。 在孩子的眼中，金钱就像是一种玩具，一张可以随意摆弄的纸。" 很多孩子觉得爸妈赚钱很容易，想要 ...

童年的美好回忆，从来都与我拥有过什么物品无关。我生长在俄亥俄州的一座小镇，邻里相识、孩童成 群结伴嬉闹，那份无拘无束的自由，才是我心底最珍贵的时光。 那时，街坊的公园是我们的相聚之地，只要有几辆单车随意靠在朋友家前院，就意味着玩伴齐聚、游戏 开始。没有短信，也没有群聊，简单纯粹便是全部。可如今孩子们的童年早已不同：人与人的联结，似 乎都绕着游戏机、手机、名牌球鞋，还有层出不穷的新潮电子产品打转。囊中羞涩，就可能被同伴疏 远。 撰稿人：布莱恩・佩奇 自我成长带来的回报，会在数十年里复利增长。接受教育、习得新技能、博览群书，甚至为心理健康投 入心理咨询，这些投入既能提升你的赚钱能力，也能淬炼内心的抗压韧性。于亲密关系而言，个人的成 长亦能惠及身边人 —— 独立且优秀的个体，才能凝聚成更稳固的共同体。 这种今昔对比，让我与 79 岁的父亲聊起了金钱观。父亲是个把节俭刻进骨子里的人，这份特质于他， 如同奢侈品之于旁人。对他而言，琢磨省钱的新法子，是一件发自内心觉得愉悦的事。 他一生从不与人攀比，旁人争相抢购新款汽车、新潮数码产品时，他始终对自己拥有的一切知足常乐。 也正是这份心境，让他活成了最典型的'隔壁的百万富翁' ...

Core Viewpoint - Financial literacy education is essential for children, helping them establish a correct view of consumption and money management that will benefit them throughout their lives [1][2]. Group 1: Financial Literacy Education - Financial literacy education should start with managing pocket money, where parents can set an appropriate amount based on family circumstances and the child's age, establish a regular distribution cycle, and review spending habits together [1]. - Children should be encouraged to manage their desires and make rational purchasing decisions, distinguishing between wants and needs, and comparing prices to assess value for money [1][2]. Group 2: Financial Planning and Investment - Children should be guided to read age-appropriate financial books to develop an understanding of financial planning, and parents can share their experiences to illustrate the relationship between consumption, saving, and investment [2]. - Pocket money can be divided into spending, saving, and investing, with parents introducing children to various investment options like savings accounts, government bonds, insurance, and stocks [2]. Group 3: Philanthropy and Giving - Encouraging children to donate a portion of their pocket money to help those in need can foster a sense of joy and responsibility, while also teaching them to discern genuine needs and decide how much to donate [2]. Group 4: Long-term Process - Financial literacy education is a long-term process that requires children to practice money management, learn from their experiences, and gradually build a solid foundation for their future financial lives [2].

Risk Management in Cryptocurrency Trading - The cryptocurrency industry should use a "value correction device" to convert cryptocurrency values into tangible everyday items like iPhones or cars to better understand the stakes and potential gains in trading [1] - The tool helps traders to perceive the real value of their investments and profits by converting abstract numbers into relatable terms [1] Investor Behavior and Financial Perception - Some cryptocurrency investors may have a detached perception of money, potentially leading to high-risk investments [1] - An investor mentioned being frugal in daily life, feeling little impact from millions of dollars, and impulsively investing 600,000 units of a cryptocurrency called "giggle" at an average price of 100 million, obtaining it before it was listed on exchanges [1]

Group 1 - The core issue in today's society is that many individuals have lost their sense of money, leading to a distorted perception of financial reality [3][4][11] - The rise of consumerism has created a situation where spending is prioritized over saving, with individuals often feeling pressured to maintain a certain lifestyle [5][10] - The shift from a work-centric identity to a consumer-centric identity has redefined personal value, where consumption rather than productivity determines social status [9][10] Group 2 - To rebuild a sense of respect for money, individuals are encouraged to understand the importance of saving and financial planning [14][18] - Establishing a balanced asset allocation across different financial accounts is crucial for long-term financial health [20][21][24][26] - Developing a strong self-identity and breaking free from societal pressures related to consumption can lead to a healthier relationship with money [29][32][33]

Group 1 - The article emphasizes that true exposure to the world is about understanding the realities of life rather than just experiencing luxury or travel [10][12][78] - It highlights the importance of children experiencing the hardships of life to develop a proper understanding of money and work [26][34][72] - The narrative includes examples of children who have helped their parents with laborious tasks, leading to a deeper appreciation for their parents' struggles [7][29][56] Group 2 - The article critiques the trend of affluent parents providing superficial experiences for their children, which do not contribute to their growth or understanding of the world [18][19][70] - It discusses the phenomenon of children lacking financial awareness due to being sheltered from the realities of earning money [17][20][26] - The piece concludes that a well-rounded education involves exposing children to both the affluent and struggling aspects of society to foster empathy and a complete worldview [71][72][78]