In my opinion, financial knowledge needs to be learned. However, finance and mathematics education are different. This is not the content of the school curriculum, so the responsibility falls on the children's parents. It's a pity that many parents do not pay attention to this point. Then I will list five misconceptions that affect children's financial ability.

1. Keep Silent

The growth of children is often accompanied by many problems, such as drinking, playing games or early pregnancy. Why is this? Many research structure studies show that this is related to the lack of communication. This research result also triggered a series of discussions: "If parents do not teach children, who will educate them.

2. Always report good news but never bad news

The silence mentioned above has a great impact, but so does reporting good news and not reporting bad news. The financial world is full of troubles, not a happy world. If you have any financial difficulties in your family, such as the credit card bill is not paid and the loan cannot be repaid, you'd better be honest with your children and try to communicate with the whole family and solve the problem. Some parents may think that this is their own money, and there is no need to discuss it with their children, but the money of adults is the income of the whole family, which is a family problem, so it is better to solve the problem with the whole family. This can not only teach children to face financial problems with a good attitude, but also reduce the psychological pressure of adults.

3. Parents are cash cows

 When children ask their parents for pocket money, they always say this, but they are honest and often give their children pocket money in the form of money or gifts. It is normal for every parent to want their children to have a happy childhood. But you should carefully consider that loose monetary policy will harm the world economy, and too much pocket money will also harm your family. We can tell our children to exchange pocket money by working, tell them that money is not easy to get, and establish a correct view of money.

4. It is vey diffcult for children to invest

Although it is difficult for children to invest, it is necessary to learn to invest as early as possible. Even as an adult, you must have a headache about the calculation of cash flow and profit, but there are still some basic concepts that are easy to understand. Take Disney as an example. Children only know about Disneyland or Disney animation, but we can tell children that Disney companies produce animation, films, magazines, books, toys and clothing, which are different types of investment. As time goes by, children will consciously learn the types of investments they are interested in, and you need to help them understand them further.

5. Make oneself an example

We all know that it is good to help children establish a correct view of money, but if parents fail to do so, it is difficult for children to have a good effect. Therefore, you'd better cultivate good financial habits and set a good example for your children. If you have shortcomings, try to make up for your own shortcomings and improve your authority in speaking, so as to help your children.

（Writer：Cily）