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來精通理財(cái)，但是您從哪里開始教導(dǎo)孩子關(guān)于金錢呢？通過介紹從金錢到投資的概念，這里是引導(dǎo)您穿越此過程的路線圖。

 介紹金錢的概念

首先向孩子們介紹硬幣。教導(dǎo)他們硬幣的價(jià)值，并鼓勵(lì)他們把硬幣存到儲(chǔ)蓄罐里。

 舉例引導(dǎo)

向孩子們解釋在你填寫支票，使用ATM卡或向雜貨商付款時(shí)你都做些什么。孩子們都很善于觀察并能夠通過觀察和模仿你的行為來學(xué)習(xí)到很多的金錢概念。

 開立一個(gè)儲(chǔ)蓄帳戶

向孩子們解釋復(fù)利如何運(yùn)轉(zhuǎn)，并向他們展示他們的錢在儲(chǔ)蓄帳戶里如何增值。一旦他們準(zhǔn)備好了就擴(kuò)展到支票帳戶。

使用零花錢

當(dāng)孩子們拿到零花錢的時(shí)候，他們必須學(xué)習(xí)最基礎(chǔ)的預(yù)算和定量配給技巧。當(dāng)他們管理零花錢的時(shí)候，他們的理財(cái)技巧將得到提升。

 予教于樂

進(jìn)行鼓勵(lì)學(xué)習(xí)的金錢游戲。黑板游戲，網(wǎng)絡(luò)游戲和家庭游戲都是可行之策。

教會(huì)他們犯錯(cuò)

讓你的孩子們浪費(fèi)金錢并用金錢犯錯(cuò)。這是一個(gè)很有價(jià)值的教育工具。然而，要準(zhǔn)備好干預(yù)并在孩子們需要的時(shí)候幫助引導(dǎo)他們。

讓他們賺錢

從事暑期工作，模仿企業(yè)家，給父母幫忙，這些都能夠幫助孩子們學(xué)習(xí)到商業(yè)和工作的艱辛。

教導(dǎo)孩子預(yù)算

允許您的孩子對(duì)一項(xiàng)家庭事件進(jìn)行計(jì)劃和預(yù)算，借以鍛煉他們的預(yù)算技巧。

 教導(dǎo)孩子關(guān)于信用

幫助您的孩子理解推遲消費(fèi)的概念，以及贊成與反對(duì)信用購物的理由。

介紹稅費(fèi)

孩子們通常會(huì)對(duì)他們初次薪水的扣款感到驚訝。在早期就解釋稅費(fèi)的概念，他們的薪水將符合他們的預(yù)期。

鼓勵(lì)慈善捐款

盡早向您的孩子介紹慈善概念，他們將可能成為熱切的志愿者和捐贈(zèng)人。

介紹長(zhǎng)期計(jì)劃

教導(dǎo)您的孩子關(guān)于長(zhǎng)期儲(chǔ)蓄和借款。盡早討論大學(xué)費(fèi)用，轎車，房屋和退休，給他們一個(gè)有利的開端。

教導(dǎo)他們投資

一旦他們掌握了基礎(chǔ)的銀行技巧，鼓勵(lì)您的孩子們學(xué)習(xí)股票市場(chǎng)。和孩子們一同探索合適的股票和共同基金。

教導(dǎo)孩子們?cè)O(shè)定目標(biāo)

許多成功的財(cái)政里程碑都是通過目標(biāo)設(shè)定達(dá)到的。鼓勵(lì)您的孩子設(shè)定儲(chǔ)蓄目標(biāo)并為之努力。