As the saying goes, it makes sense to look at the old at the age of three and at the age of seven.
In addition, a habit has no absolute good or bad behavior or personality characteristics. Most personalities have advantages in some cases, but not in others.
If the society is in turmoil, then "sensitivity and doubt" can improve the probability of survival; However, this character has no advantages or even disadvantages at ordinary times, and it may be difficult to make friends and social problems will occur.
Since we are talking about financial quotient, we have to say that personality and behavior patterns are beneficial to financial quotient. The first is the ability to "delay enjoyment". Children are willing to wait and take waiting as a matter of course, not as a kind of patience.
"Delaying enjoyment" is not an excellent strategy in wartime, because the more turbulent it is, the worse it will be. If you don't enjoy it quickly, it may be gone, which is obviously not conducive to survival.
For example, people who live in a dangerous environment for a long time often have children early, and delaying childbirth is not conducive to gene continuation. Why do parents in many places now require their children to get married early, have children early and have more children?
This is because the living environment of parents' generation is often more difficult, mainly farming. Having children early, with more labor, is good for family continuity. Although living conditions have improved now, this habit has remained and become a family tradition.
Many young people are rebelling against this tradition. They are not awakened by personal consciousness, but because of the improvement of living conditions. They can earn money by themselves to support themselves. In addition to maintaining a basic life, they can also spend money to enjoy more products and services. They don't need to increase their labor force or digest extra energy and money by having children. Rejecting early marriage is not "rebellion", but a rational calculation.
Therefore, if you want to cultivate children's financial quotient, you must be good at cultivating children's ability and characteristics such as waiting and self-discipline. These behavioral characteristics need to be established in a long-term environment. In this environment, try not to be "dangerous" and don't let children be under pressure for a long time. They should provide more sense of security.
Only in this way can people delay enjoyment in strategic choice. Because he knows that he can really enjoy it after delaying, and even enjoy more things. It must be beneficial to him, and children who always get this kind of reward can form a fixed thinking and behavior pattern.
One of my suggestions is to keep the children waiting and start with small things. For example, if your child cares about what you want, you can get it right away, but occasionally you can say, "I'm working, I'll finish it in a minute, and I'll get it for you when I'm done, okay?"
I often work from home, and my children often let me take this and that, or look at her paintings. In short, it's all kinds of things. I will say, wait a minute, I will get it for you, I will go (and as mentioned in the last article, parents must keep their word).
After the child is willing to wait, you can give appropriate rewards. The first step in delaying enjoyment is that children are willing to wait, that is, wait for a while.
I know many parents feel this way. Children at home don't want to wait. They want something right away, or they will make trouble immediately if they don't give it. On the one hand, in the past, when children wanted something, we always gave it to them immediately, and the priority of children was always ahead of themselves, so it was natural for children to get it immediately. On the other hand, children in the past didn't have special training in this field, or they waited before, but they didn't believe it until they came.
This is not that the child is impatient, but that he has never "waited" and never restrained or suppressed his desires. Imagine if we were paid at the end of each month, and one day the company suddenly said that we would have to wait for two weeks, would we panic? After all, this has never happened before. How can you default on your salary? What happened to the company?
When children can accept a short wait, they can extend the waiting time, such as tomorrow. It is acceptable for my children to wait until tomorrow, even at the weekend. Sometimes she wants something to eat, but there is really nothing at home. I would say, "We don't have it at home now. I will buy it for you tomorrow. Wait a day. "
Remember that our parents can't forget it. If children are willing to wait, they can even give some small rewards, such as hugging and turning around, kissing more, praising them, and even praising them in front of outsiders. These are rewards, not necessarily materials.
Waiting is a necessary ability and the basis of financial quotient. Why do you say that?
Because there are two ways to acquire wealth, one is to create and the other is to plunder. And "creation" must wait, and creation certainly takes time.
If you don't want to wait and get wealth, you will choose to plunder.
In peacetime, robbery in life is mostly illegal. Let's not talk about this, just talk about financial transactions. As you may know, most investors like short-term speculation, fast-forward and fast-out. Why do most investors lose money? Because I don't want to wait, I have to fast forward and fast out, do short-term transactions, and want to earn "predatory income" in the financial market.
This is getting farther and farther away from "financial quotient". Therefore, we repeatedly emphasize the source of wealth acquisition, the root cause of holding funds for a long time and so on in the financial management class of smart mothers.
You may have such a question: isn't financial quotient the economic principle of cultivating children? Instill economic thinking from childhood? In my opinion, children learn these things too early, just like kindergarten learning English and Chinese characters. They don't really understand the rules of Pinyin, they are just reciting pronunciation. There are also knowledge of economy and finance, which will be learned quickly when they grow up.
What is really important for financial quotient is to cultivate a person's character and behavior pattern. This is the underlying "operating system". On top of this operating system, only the corresponding software can play a role.
I know many senior intellectuals who study finance, and most of them are still in the stage of chasing hot spots, gossiping and investing by feeling. They don't lack "skills", but they don't have "Tao". There is no end to surgery. Just like a thief, his skills, timing, agility and agility are all trained, and they are all practical and first-class in technology, but they are still illegal.
Tao is the concept of wealth, or the values of wealth, and what money I should earn. And the way of investment, the way of financial business, the bottom is the basic ability to delay enjoyment.
The creation of wealth is inseparable from time. Grab the fastest and create slowly. In fact, human nature is to be robbed, not created. Can it wait? At this point, many people don't realize that learning more financial knowledge is also giving money to the stock market.
Cotton candy experiment, delaying enjoyment test, is to let children establish the relationship between harvest and time. You wait 15 minutes, and I'll give you an extra cotton candy. But if you don't want to wait, you only have one. The cotton candy experiment itself is not successful, but it is a good starting point for thinking.