Every year around the Spring Festival, friends in the financial and financial circles, including me, will use "New Year's money" as an introduction to cut into insurance, financial management and other topics, and then rise to the height of cultivating children's financial quotient. Today's parents, especially middle-class families, also attach great importance to financial intelligence, whether the child itself or the individual. 01 Why do we need to develop financial intelligence? Money is a kind of power, and what is even more powerful is the education about the use of money, as the so-called poor do not learn, poverty is endless, rich people do not learn, and they will not be rich for a long time. In daily life, some people will have such confusion: they work hard, but they have not achieved the class jump; The income is good, but you can't save money anyway; Spend a lot, but in the end you don't make your own value match the value you spend for yourself; Participate in investments, but almost always green leeks; There was money, but then it was lost; Playing with life's work, but still falling into the endless whirlpool of loan repayment; All of the above are manifestations of a lack of financial quotient, which has underlying logic and practical steps, which is the same as school education. You have to learn addition, subtraction, multiplication and division before you can learn functions and calculus, and if you don't have a closed loop, time is worthless.
02 What is financial quotient? Understand that the ability to create and manage wealth is financial intelligence, which includes three aspects: concept, knowledge, and behavior.
First of all, the correct understanding of wealth and the logic of wealth increase is called cognition, which belongs to the learning space;
Second, to create wealth with knowledge and skills, which is to make money, it belongs to the real space;
Third, harnessing wealth, applying wealth, and increasing wealth is called making money, and it belongs to the future space. 03 Then why do we need to have financial quotients? There are two truths:13% of the people in this world control 70% of the wealth, they have money and leisure, they don't have to work for money, they can have incomparable freedom, so why is this? Because they know how to be rich.
2.Daniel, a famous American psychologist. Kaliman once conducted a survey on happiness, and he found that whether a person is happy depends on the sum of his lifetime experiences, and through his research, he found that 70% of the reasons why people are unhappy come from money-related experiences. Learning financial intelligence allows us to better understand the logic of today's economy and business design, so that we don't become a passive consumption machine. The study of financial quotient can make us the master of money, and become a clear, rational and intelligent social and economic person, so as to improve the efficiency of choice in economic life and reduce the danger in economic life.
What can learning financial intelligence really bring us? Four words, that is, what everyone wants and needs - "financial freedom"!
04 What are the characteristics of financial intelligence? Financial quotient is education through the spiritual world and business model. Edification and experience, have we ever seen such a phenomenon in reality? Master's and doctor's jobs, high school students as bosses, we analyze the three quotients of two types of people:
IQ, master's and doctor's degrees are definitely above high school students; Emotional intelligence and financial quotient, that's not necessarily, but high school students who can be bosses, that is, emotional intelligence and financial quotient, are definitely higher than part-time job masters and PhDs, right? Therefore, the enlightenment of this phenomenon to us is that a high degree of education, or a high IQ, does not necessarily mean a high financial quotient, and does not necessarily become a rich person. Of course, what we find more is that people with high education are working as white-collar workers or even gold-collars, while people with low education are engaged in heavy and cheap manual labor. Therefore, here we are definitely not denying the importance of IQ and EQ, or thinking that financial quotient education can replace IQ education, in a certain sense, financial quotient is also the embodiment of IQ and EQ.
Financial quotient has the following characteristics: 1. Financial quotient is the wisdom of financial management.
2. Financial quotient can be improved through special training and learning, and solidified through practice, just like getting up and brushing your teeth every day.
3. Financial quotient is a person's most important endeavor because it is the most realistic. It is also the ability that is most easily overlooked by people, because it is the most heart-wrenching.
Fourth, financial quotient includes two aspects of ability, one is the ability to correctly understand money and the laws of money, and the other is the ability to correctly apply money and the laws of money to make money for you.
Fifth, financial quotient is not isolated, it is closely related to people's wisdom and ability. 05 Finally, look at financial quotient from the perspective of men, women, and children
Why should women have financial intelligence? Women have financial quotients.
It is easy to have a happy marriage;
have the ability to choose freely, so as to achieve the freedom to choose;
Women live longer, so they should take care of their money;
The best way for children to educate is to lead by example;
Then let's start with the mother, happiness is a key, this key is in the hands of the mother, the child's future depends on the mother, the child's first close person in the world is also the mother, so the mother's words and deeds, what she does are imperceptibly affecting the child. If it is related to money and wealth, in the child's original family, the education of family financial quotient and the inheritance of family culture play an irreplaceable role, and also determine the level, pattern and happiness of family members, so for children's education, mother is the first source. So why do men have financial quotients? The most direct reason is to prevent a midlife crisis, because men themselves are more optimistic than women, that is, men are generally more confident, and that self-confidence to take a step forward is conceited. In this way, there will be a problem - it is easy to make money, but it is also easy to squander, and it is easier to go bankrupt than women, which is what we usually call not being able to keep money.
So why does a child have a financial quotient? ——Let children understand the sweat behind money, and know the role of consumption, savings and investment; - Let children take on the responsibilities of the family from an early age and expand the framework of thinking; From 3 to 8 years old, the main thing is to build a scientific and reasonable foundation for the concept of money; From the age of 8 to 12, the main thing is to manage money, form a healthy consumption concept through continuous practice, and further strengthen the reasonable concept of money; 13 to 22 years old, learn relevant business knowledge and expand the framework of thinking; In this way, after graduating from college, he has a perfect financial quotient system. 
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