수당 전략을 통해 자녀에게 재정적 책임감 가르치기

### 자녀에게 재정적 책임을 가르치기 수당과 가치에 대한 인사이트
* 👶 Eric은 6살 자녀에게 경제관념을 심어주기 위해 **용돈을 시작하는 방법**에 대해 조언을 구합니다.
* 🏠 화자는 **식기 세척기 비우기, 쓰레기 버리기 등 특정 집안일**은 가정에서 생활하기 위한 전제 조건이며 보상을 받지 못한다고 강조합니다.
* 💵 부모에게 가치를 제공하는 추가 책임은 돈으로 보상받으며 **자녀에게 추가 노력을 통해 돈을 버는 개념**을 가르칩니다.
* 📊 연사는 **기부, 저축, 지출**이라는 세 가지 주요 행동에 초점을 맞춰 돈 관리에 대한 토론을 장려하여 아이들이 재정적 결정을 이해하는 데 도움을 줍니다.
* 🧒 개인적인 경험에 따르면 **모든 어린이가 수당에 반응하는 것은 아니며, 한 어린이는 어린 나이에 돈에 거의 관심을 보이지 않아** 맞춤형 접근법의 필요성을 강조했습니다.
* 🍽 설거지와 같은 집안일도 책임감 교육의 일환으로, **아이들이 대학에 가기 전에 필수적인 생활 기술**을 배울 수 있도록 합니다.
* 🎮 **14세에 취미 생활 자금을 마련하기 위해 일을 시작한 발표자의 딸**의 사례에서 볼 수 있듯이, 자녀가 성장함에 따라 관심사가 자신의 돈을 버는 쪽으로 바뀔 수 있습니다.
* 🍦 연사는 집안일 완수에 대한 보상과 같은 비금전적 인센티브를 사용하여 지연된 만족과 목표 설정을 가르치면서 **금융 교육은 단순히 돈을 이해하는 것 이상의 행동에 관한 것**임을 강조합니다.

아이들에게 돈에 대해 가르치려면 매력적인 대화와 창의적인 인센티브를 통해 노력, 책임감, 지연된 만족에 대한 가치를 심어주어야 합니다.

[Music] Well, this actually leads perfectly into Eric's question. May you can expound a little bit more 'cause he says, I'm planning to start an allowance for my six-year-old soon. Any advice on how to do this right and instill the financial mutant mindset in my child? But I'll let you kick off 'cause those are those kids are six-year-olds closer to you than it is to me and my children. So, what man, I'm going, I'm going to try to give good financial advice without like dipping into, Well, he has for experience. So, I'm going to, I'm going to show like mine and my wife's our thoughts on this. First, what I want you to do though is subscribe to the channel if you've not done that so that way you can hear all the parenting advice that we want to share with you. What we've decided is that there are certain things that are just like a prerequisite of getting to live in our house, right? Like as part of living here

There are certain things that you're expected to do. My one daughter has to unload the dishwasher. My other daughter has to take out the trash. They have to, you know, make their beds, clean their room, do that kind of stuff. So, I'm not so much giving an allowance for that, but what we said is, Hey, if you want to take on additional responsibility in the house that would be valuable to your mother and I, and when something is valuable to us, we're willing to pay money for that. So, we're going to exchange our dollars for a service that you can provide. So, if not only you take out the trash, but you actually will the trash can out to the street, or if you, you know, fold laundry even when it wasn't part of the chores you had to do that week, we do start to give them money for that. And then, every time we give them money, we always have a conversation around, Hey, when we get these M, when we get this money, what are the three things we can do? And then, it's just kind of

becoming rope memory for them. Now we can give, we can save, we can spend. We do all three of those things, and we walk them through how to go about making that decision because we want them to understand that there's also something tied to, Hey, if I work hard and I do a little bit more and I put in a little bit extra, then I can receive value. I can get money from that. But not just doing the bare minimum, not just doing the basics. We want them to understand that there's like a basic level of, you know, getting to live rent-free in our house that's required of you to be a contributing member of our household. Is that fair? Was that good? No, I think I think it, and I love the give-save-spend. I will tell you, because I'm always very transparent to you guys, I tried to do with my oldest an allowance. It never really took. It just because it now don't mishear me that that did. It's more on the parents and the fact

that we said, Hey, we're going to start an allowance, and she just wasn't at that time when she was younger, specifically like a six-year-old. Money just didn't do it for her. She wasn't. It just wasn't something that was connecting really. So, I think every child, as we know, as much as if you have a great child, you think that you've got this all figured out. Don't worry, you know your next one will humble you on how you the lot comes in the recipe that's already kind of cooked in. But so, it didn't take very well at that point. You know, we realized we were trying to force something that just wasn't. The aptitude or the interest wasn't there. But we still kept, I mean, my oldest. One of the things I'm pretty proud of, and I because I. It reminded me in my childhood, is that we always made her wash dishes. 'Cause, you know, we tell her it's because we want

her to be part of the whole cooking process, but also it's kind of nice when you make a meal and then you get them to clean up all the dirty dishes. It's a true dividend to being a parent. The other thing is that I think is very valuable, 'cause this is something I started doing my own laundry in middle school. Um, because unfortunately mine was not a positive experience. I got in a fight with my mom, and then she's like, Do your own laundry, and then I was stuck doing my laundry for all through middle school and high school. For my oldest, we just wanted to make sure she didn't go to college and not know how to do basic take care, so we made her through high school take do our own laundry. So that stuff didn't get an allowance, but it was when she started working, 'cause somehow, and like I said, it goes in the recipe of the child, she kind of around 14, 15 years of age started getting interested in working, earning her own money, um, and primarily 'cause she was trying to buy gifts.

cards to some of these online roblox or um what's the other one that kids build all the stuff in but she was doing all this type of creative video games online and and she needed money to do that and so we we we used that opportunity kind of talk about the whole MRA Minecraft dollar for dooll matching look at you definitely came up with but it's um but it we use that as the the the point to really have those conversations and I'm happy to say cuz now she's she's 21 years of age Crush um and she is she's a she's good with money and I'm very proud of that and I think it's just that we we met her where she needed to be met we didn't force it because I don't want you to be disappointed with your 6-year-old or your 8-year-old or your 12-year-old if they just don't seem interested that's okay they're kids you know it's probably a foreign thing to them to

think that they're going to jump out and be really into money at those ages, but you just need to keep your eyes and ears open to when you can be a good parent, have those creative and building conversations to maximize those moments. I'm just going this last little piece on because you said something for your oldest. Money was not a motivator early on. One of the things that my wife has done really good with our girls is she's figured out what they value. So she does like this little sticker chart thing or whatever. Earlier on, when they're a little bit younger, they could earn, Hey, we're going to have movie night, or We're going to get TV time, or We're going to go get ice cream. So the incentive for the allowance may not actually be dollars, but even if you can just teach them, Hey, here's what we can do if you do all your chores this week, then we're going to go get ice cream, or If you do all your chores

For all month, instead of going to get ice cream, we'll go on a weekend. Try, I don't know, you figure out what the motivation, because even in that, you can teach them deferred gratification. You can teach them towards setting a goal and working towards it, even if it's not dollars and cents. I very much believe that we can teach our kids how to be financial mutants even before we teach them how money specifically works, 'cause 90% of it is the behavior. And if you can get deferred gratification and that kind of stuff in your kids early, you're likely going to set them up for success.

How to Set Up an Allowance for Your Child the Right Way!

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6세 아이에게 용돈을 주기 시작할 때는 기본적인 집안일보다는 가정에서 추가적인 책임에 대한 용돈을 주는 것으로 시작할 수 있습니다.

돈의 가치와 돈을 사용할 수 있는 다양한 방법에 대해 아이와 대화를 나누는 것이 중요합니다.

이러한 접근 방식은 아이에게 재정적 사고방식을 심어주고 돈의 대가로 가치를 제공하는 것의 중요성을 가르치는 데 도움이 됩니다.

아이들에게 돈과 책임에 대해 가르치기

부모는 자녀에게 기부, 저축, 소비의 가치를 가르치는 동시에 열심히 일하고 가정에 기여하는 것의 중요성을 강조하고자 합니다.

용돈이라는 개념을 시도했지만 큰 아이에게는 공감을 얻지 못했고, 각 어린이의 흥미와 적성에 맞는 맞춤형 접근법의 필요성을 강조했습니다.

이러한 어려움에도 불구하고 부모는 자신의 어린 시절 경험을 바탕으로 설거지와 같은 일을 통해 책임감을 심어주고 있습니다.

아이들에게 생활 기술 가르치기

요리 과정에 자녀를 참여시키고 설거지를 하게 하는 것은 육아 전략입니다.

발표자는 중학교 때 빨래를 했던 자신의 경험을 바탕으로 큰아이가 대학에 가기 전에 기본적인 생활 기술을 배우도록 했습니다.

어린 나이에 일하고 돈을 버는 것에 대한 자녀의 관심은 재정적 책임에 대한 소중한 대화의 기회를 제공했습니다.

아이들에게 돈의 가치 교육하기

부모는 자녀의 요구에 주의를 기울이고 창의적인 대화를 나누며 육아 시간을 최대한 활용해야 합니다.

영화관람이나 아이스크림과 같은 비금전적 인센티브를 제공하면 자녀에게 책임감과 집안일의 가치를 가르치는 데 효과적일 수 있습니다.

자녀의 가치를 이해하고 인센티브 차트를 사용하면 돈에만 초점을 맞추지 않고도 동기를 부여하는 데 도움이 될 수 있습니다.

매주 아이스크림을 사러 가는 대신 한 달에 한 번씩 아이스크림을 사러 가면서 만족감을 늦추도록 유도할 계획입니다.

이 접근 방식은 아이들에게 목표를 설정하고 이를 위해 노력하는 것을 가르치고, 재정적 행동이 성공의 열쇠임을 강조하는 것을 목표로 합니다.

이러한 가치관을 일찍부터 심어주면 재정적으로 책임감 있는 인재를 키우는 데 도움이 될 수 있습니다.