미래의 부 창출을 위한 어린이 금융 이해력 교육

### 젊은 백만장자를 안내합니다: 어린이를 위한 금융 교육
* 💰 일곱 살짜리 영 머니는 부모님이 매칭해 주는 용돈의 **20%를 저축**하여 이미 올바른 부의 길을 걷고 있습니다.
* 📈 7세 어린이가 저축한 1달러는 은퇴할 때 **322달러로 불어날 수 있으므로 조기 저축은 매우 큰 힘**을 발휘합니다.
* 💵 백만장자가 되려면 이 어린이는 **한 달에 26달러만 저축**하면 되고, **52달러를 저축**하면 두 배의 백만장자가 될 수 있습니다.
* 🎓 아이들에게 돈의 목적에 대해 가르치는 것은 매우 중요하며, **돈은 단순한 부의 수단이 아니라 인생의 목표를 달성하기 위한 도구**라는 점을 강조해야 합니다.
* 🍬 마시멜로 테스트 비유는 아이들에게 재정적 성공에 필수적인 **지연된 만족**에 대해 가르치는 것의 중요성을 강조합니다.
* 💡 부모는 자녀의 금융 교육에 **저축, 지출, 기부를 통합**하여 돈에 대한 균형 잡힌 이해를 장려해야 합니다.
* 👨 자녀가 성장함에 따라 직장 경험을 쌓는 것은 재정적 성공의 핵심 요소인 **직업 윤리와 인간관계에 대해 가르치기 때문에 매우 중요**합니다.
* 👏 저축과 투자의 가치를 깨달은 일곱 살짜리 어린이가 재정적으로 현명한 미래를 위한 **훌륭한 출발**을 한 것에 대해 찬사를 보냅니다.

영 머니의 일곱 살짜리 어린이는 저축과 투자를 통해 백만장자가 되기 위한 올바른 길을 가고 있습니다.

[Music] all right. I have a good question coming up from Young Money. We've got to get to it. Is he a rapper? I don't know. You should ask him in the chat if you're Young Money, if you're a rapper. Let us know. Let us know. Come. He says, My seven-year-old is a huge fan. Start 'em young, right? And he had Us open in utma to put savings and put 20% allowance in, which we match. That's great, isn't that great? He said, Uh, so he wants to be a millionaire. This seven-year-old. Is he on the right track? How does one know if he's on the right track to become a millionaire at any age? Well, so one Kudos do you. Whatever you guys are talking about at home is awesome for like, you know, uh, do you know what the wealth multiplier is for a seveny? I'd like to know now just to give everybody context. I lose my mind, and I even named a company 88 times over because when I found out that for a

20-year-old $1 has the potential to become $88. Um, I like that number because it Deloreans and all kinds of other cool stuff too, but um, but for a seven-year-old, a dollar has the potential to become $322 by the time they retire. So it's, I mean, that's so much more even powerful than the 20-year-old. And here's what's crazy. What was that number? 393? Oh no, $322. 322. And to be a millionaire, he only needs to be saving and investing $26 a month. If he, for all my trolls that think that we don't take into account inflation, if he wants to be a dose millionaire, he needs to be saving $52. What I think is crazy is that he said he's putting 20% of his allowance into this outa, and the parents are matching it. So $1 for him doesn't just turn into that, it turns into double that amount, which is awesome. And I think a really interesting thing, Brian, you and I talked

about this. We did the um marshmallow test with our kids early on, right? And well, I didn't find out until after. Oh, you never did? I never did. So, I did the marshmallow test for my kids, you know, where you essentially, you sit them down at a table and you put, we didn't do marshmallows, we did, I think, um, either Skittles or jelly beans or M&M's, some sort of candy. You did the thing where, hey, you put it in front of them, hey guys, I'm going to walk out. If you don't eat this and I come back, uh, I'll give you two jelly beans or two or whatever the candy was. And you know, for my oldest, no problem. She would have sat there for a week 'cause she understood that. My youngest, I didn't get the instructions out before she was chewing, right? Like that was just the way that it went. It's very unbrand for your children. It's unbelievable. And so, what I think is great about kids for parents

you need to recognize very early on when it comes to finances how your kids view money and where their strong suits are and where their weak uh where their weaknesses are. It doesn't sound like Young Money your child's going to have any problem with like deferred gratification and saving for the future and building. So what you probably want to begin teaching them and want to begin talking to them about us hey what's money for hey money is not a goal being a millionaire is awesome that's cool but why why do you want to be a millionaire what do you believe that being a millionaire will do for you and hopefully they begin to recognize and realize at a very early age that money is nothing more than a tool that allows us to do the things that we want to do to focus on the things in life that really matter cuz it sounds like your kid is going to just Crush these saving and accumulation and building and deferred gratification the ingredients to wealth creation your kid has down. So while you want to play into that and you

want to foster that, and you want to encourage that. You also want to recognize, okay, well, having a well-rounded understanding around money is an important thing too. It's why my kids are not incredibly different from your kids' age. That's why we do give safe spend whenever money comes in. I love that they want to save some, and I love that they want to put it away, but I also encourage them, Hey, we also give, and it's okay to spend if there's something that you want. It's okay to spend money on there, and there's an opportunity cost associated. So, I think not just teaching them to save, but teaching them how to be well-rounded with money is a huge thing that you can do to help get them moving in the right direction and started on the right track. Yeah, by the way, kudos to your seven-year-old for realizing the arbitrage situation, is that they could actually expand their allowance by just giving 20% towards saving and investments, and you guys will match it.

dollar for that. That's actually a brilliant, efficient use of money. Here's your next thing as a parent, next milestone to pay attention to, because I think it's important. Do exactly what Bo talked about with the give, save, spend. So, start understanding that money is just a tool and going beyond that. But then the next thing you need to fire up on and to create the super financial mutant that you're creating is understanding the correlation to work ethic. And that's what I would encourage as your seven-year-old gets closer to 14, 15 years of age. Let them go work in fast food or something else, because not only does the value of going to work very powerful, but also just dealing with the general public is a superpower in life as well. When you work and deal with people from all walks of life, good people, bad people, mean people, there's something pretty magical about experiencing that and understanding how human nature works a little bit better. I still, um, I, there's a reason I really

judged my oldest daughter to go work fast food, and I encourage most people to work food service at some point in their life just so they get a little taste of that. I think it will serve you well for years to come.

My 7-Year-Old Wants to Be a Millionaire—UTMA and 20% Savings Enough?

Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

Subscribe today to stay up to date with our latest episodes, livestreams, and highlight videos: https://www.youtube.com/c/MoneyGuyShow?sub_confirmation=1

Are you ready to go beyond common sense when it comes to your money? Check out all the free resources The Money Guy Show provides: https://moneyguy.com/resources/



The Money Guy Show

백만장자가 된 일곱 살 소년의 여정

7세 어린이의 1달러는 은퇴할 때까지 322달러로 늘어날 가능성이 있으므로 조기 저축과 투자가 매우 중요합니다.

백만장자가 되려면 한 달에 26달러만 저축하고 투자하면 되고, 한 달에 52달러를 저축하면 두 배의 백만장자가 될 수 있습니다.

자녀가 용돈의 20%를 저축하는 전략과 부모의 매칭을 통해 저축 효과를 효과적으로 두 배로 늘릴 수 있습니다.

아이들에게 돈과 지연된 만족에 대해 가르치기

연사는 자녀들과 함께 사탕을 이용한 마시멜로 실험을 실시하여 지연된 만족에 대한 다양한 접근 방식을 드러냈습니다.

큰 아이는 보상을 기다리는 데 탁월한 반면, 작은 아이는 어려움을 겪음.

연사는 각 어린이의 재정적 강점과 약점을 조기에 파악하고 돈은 그 자체가 목적이 아니라 목표를 달성하기 위한 도구라는 것을 가르치는 것이 중요하다고 강조합니다.

어린이에게 돈에 대한 균형 잡힌 이해 증진하기

아이들에게 돈에 대해 가르칠 때는 저축, 기부, 지출을 가르치는 동시에 기회 비용에 대해서도 인식시켜야 합니다.

아르바이트를 통해 직업 윤리를 장려하면 인생의 소중한 경험과 인간 본성에 대한 더 나은 이해를 얻을 수 있습니다.

부모가 자녀의 저축과 투자를 매칭하는 접근 방식은 자녀의 용돈을 늘리고 재정적 책임감을 가르치는 훌륭한 방법입니다.

패스트푸드점에서 일하는 것은 개인적인 성장과 인생 경험을 위해 권장됩니다.

수년간 개인에게 도움이 될 수 있는 귀중한 교훈을 제공합니다.

저자는 모든 사람이 인생의 어느 시점에서 외식업에 종사해야 한다고 믿습니다.