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You want your children to be great at managing their money in the future, but where do you begin to teach kids about money? From introducing the concept of money to investing, here's a road map to guide you through the process.
Introduce the Concept of Money
Introduce young children to coins first. Teach them the value of coins and encourage them to save their coins in a piggy bank.
Lead by Example
Explain what you are doing when you write a check, use an ATM card, or pay for groceries. Kids are very observant and will learn many of their money concepts by watching you and copying your behavior.
Open a Savings Account
Explain to children how compound interest works and show them how their money grows in a savings account. Expand to a checking account once they are ready.
Use an Allowance
When children receive an allowance they must learn very basic budgeting and rationing skills. As they manage their allowance money, their money management skills will improve.
Make Learning Fun
Play money games that encourage learning. Board games, online games, and homemade games are all possibilities.
Allow Them to Make Mistakes
Let your children waste their money and make mistakes with their money. It's a valuable teaching tool. However, be ready to step in and help guide them when they need it.
Let Them Earn Money
Working summer jobs, becoming entrepreneurs, and working for mom and dad all help kids learn about business and hard work.
Teach Children to Budget
Allow your children to plan and budget for a family event to practice their budgeting skills.
Teach Your Teens About Credit
Help your children understand the concept of delayed gratification and the pros and cons of buying on credit.
Introduce Taxes
Children will often be surprised by the withholding on their first paycheck. Explain the concept of taxes early on and their paycheck will meet their expectations.
Encourage Charitable Giving
Introduce philanthropy to your children early and they will likely become eager volunteers and donors.
Introduce Long Term Planning
Teach your children about long term savings and debt. Discuss the costs of college, cars, houses, and retirement early to give them a head start.
Teach Them to Invest
Once they have mastered basic banking skills, encourage your children to learn about the stock market. Explore appropriate stocks and mutual funds with your children.
Teach Children to Set Goals
Many successful financial milestones are achieved by goal-setting. Encourage your children to set savings goals and work towards them.
您想要您的孩子在未来精通理财，但是您从哪里开始教导孩子关于金钱呢？通过介绍从金钱到投资的概念，这里是引导您穿越此过程的路线图。
介绍金钱的概念
首先向孩子们介绍硬币。教导他们硬币的价值，并鼓励他们把硬币存到储蓄罐里。
举例引导
向孩子们解释在你填写支票，使用ATM卡或向杂货商付款时你都做些什么。孩子们都很善于观察并能够通过观察和模仿你的行为来学习到很多的金钱概念。
开立一个储蓄帐户
向孩子们解释复利如何运转，并向他们展示他们的钱在储蓄帐户里如何增值。一旦他们准备好了就扩展到支票帐户。
使用零花钱
当孩子们拿到零花钱的时候，他们必须学习最基础的预算和定量配给技巧。当他们管理零花钱的时候，他们的理财技巧将得到提升。
予教于乐
进行鼓励学习的金钱游戏。黑板游戏，网络游戏和家庭游戏都是可行之策。
教会他们犯错
让你的孩子们浪费金钱并用金钱犯错。这是一个很有价值的教育工具。然而，要准备好干预并在孩子们需要的时候帮助引导他们。
让他们赚钱
从事暑期工作，模仿企业家，给父母帮忙，这些都能够帮助孩子们学习到商业和工作的艰辛。
教导孩子预算
允许您的孩子对一项家庭事件进行计划和预算，借以锻炼他们的预算技巧。
教导孩子关于信用
帮助您的孩子理解推迟消费的概念，以及赞成与反对信用购物的理由。
介绍税费
孩子们通�；岫运浅醮涡剿目劭罡械骄�。在早期就解释税费的概念，他们的薪水将符合他们的预期。
鼓励慈善捐款
尽早向您的孩子介绍慈善概念，他们将可能成为热切的志愿者和捐赠人。
介绍长期计划
教导您的孩子关于长期储蓄和借款。尽早讨论大学费用，轿车，房屋和退休，给他们一个有利的开端。
教导他们投资
一旦他们掌握了基础的银行技巧，鼓励您的孩子们学习股票市场。和孩子们一同探索合适的股票和共同基金。
教导孩子们设定目标
许多成功的财政里程碑都是通过目标设定达到的。鼓励您的孩子设定储蓄目标并为之努力。
