아이들에게 저축과 지연된 만족에 대해 가르치기

### 아이들에게 돈에 대해 가르치기: 기부, 저축 및 지출의 개념
* 👶 어린 자녀와 '주고, 저축하고, 소비하기'에 대해 논의할 때 저축에 초점을 맞추면 **은퇴보다는 지연된 만족의 개념**을 가르치는 데 중점을 둡니다.
* 👧 9세, 7세, 19개월 된 세 자녀를 둔 이 가족은 은퇴나 직장 같은 더 복잡한 아이디어를 탐구하기 전에 **저축의 기본**을 이해하는 데 중점을 둡니다.
* 💰 큰 아이는 수학을 좋아하기 때문에 **저축 계좌를 개설하여 이자에 대해 가르치고 저축이 어떻게 돈을 모으는 데 도움이 되는지 가르칠 나이**가 가까워지고 있습니다.
* 🐷 막내 아이는 돼지 저금통 두 개로 저축하는 법을 배웠고, **총 636달러의 생일 용돈**을 함께 세어보며 재미있는 놀이가 되었습니다.
* 🏦 이 돈을 관리 계좌에 입금하기로 결정하여 **아이가 자신의 돈이 이자를 받으며 '일'하는 것**을 볼 수 있도록 했습니다.
* 🤔 하지만 처음에는 빈 돼지 저금통에 대한 생각에 어려움을 겪었기 때문에 **세상에 돈이 있다는 개념에 대해 더 많은 논의**가 필요했습니다.
* 💡 이 경험은 어린이와 어른 모두에게 소중한 교훈을 줍니다. 때로는 **돈을 저축하고 관리하는 것이 물리적으로 접근 가능한 것이 아니라 더 넓은 재정 상황을 이해하는 것**이 중요하다는 것입니다.

아이들에게 저축에 대해 가르치려면 만족을 늦추고 돈 관리를 이해하는 것이 중요하다는 점을 강조해야 합니다.

When you say "give, save, spend" with your young kids, where do you have them save? Saving towards retirement or just teaching them the concept of delayed gratification?

I thought that was a good question. What do you think?

That's great, so yeah, I've got uh, three kids: 9, 7, and then uh, 18 months or 19 months, somewhere in that ballpark. Uh, and so for them, that 19-month-old, it's really just giving it all.

Always got me: "Why don't you just say one? Well, well, cuz he's older than one; he's almost two, right?"

It's like, "Right, why you say almost two? He's almost two." I've got an almost two-year-old. Um, so when I talk about "give, save, spend," specifically that "save" part, I really am honing in on deferred gratification. That's what

I want them to understand. Now, I could talk to them about the concept of retirement, but man, I'm still working on talking to them about the concept of work, you know what I mean? So I don't want them to think about getting done with work; I want them

Deferred to some point in the future. Now, my oldest is getting to the point that, in the next couple of years, we'll probably open a savings account at the bank so I can start teaching her

about interest and how, when she saves her money, it can work for her and make more money. She's my little math-minded girl; she's going to love that concept, and I'm so excited. But I

have to get the basics down first. I have to get the behavior down before I can get the logistics down. So, for me and my kids right now, that's how we're focusing on saving. I will tell you—my own experience on this is that my

youngest got to the point where she had two piggy banks because whenever she got birthday money from grandparents or whatever, she just stuffed the bills in the piggy banks.  And we came up with

this idea: 'Hey, one weekend, let's count the money and do something with it.' So it was a great exercise; we had fun counting the money, and it came to $636. Then I convinced my youngest,

I was like, 'Let's put this in your custodial account so you can actually earn some money on it.' It was very fun.  She was like, 'Great, the money's going to get to work!' And then there was a period of time I had to explain to

Her, you know, because she'd be like, "My, my bank's so empty now because now these piggy banks are so full, I mean, practically stuff's coming out of the top."  Had nothing in it anymore, so we had to have some additional discussions about how the money is actually out there doing

something, but she tangibly couldn't touch it anymore. And there's probably something to be learned about that, because that's, that's kind of a thing in adult life, too.  Is that, I mean, I think about like this firm: you come here and we're managing, you know, over a billion dollars

of assets, but if you came here, we have no money. I mean, there's no money; it's not like this. So for all you robbers out there, don't come here. But that is, but that's kind of like, you come to my house, I might, I might have enough

money to buy Girl Scout cookies, but I don't have so much. There is probably a lesson with your children on that: you know, sometimes buying and saving is not about what you can touch, because there's a teachable concept there as well.

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아이들에게 돈 절약에 대해 가르치기

은퇴를 위해 또는 지연된 만족을 가르치기 위해 어린 자녀에게 돈을 저축하게 할 것인지에 대한 질문입니다.

화자는 세 자녀(9개월, 7개월, 19개월)를 두고 있으며 자녀와 함께 지연된 만족에 집중하고 있습니다.

은퇴의 개념보다는 지연된 만족을 가르치는 데 초점을 맞추고 있습니다.

첫째 아이는 곧 이자 및 저축 계좌에 대해 배우게 됩니다.

막내가 돼지 저금통을 사용했고, 그 돈($636)을 세어 관리 계좌에 넣었습니다.

아이는 물리적으로 접근할 수 없더라도 돈이 효과가 있다는 것을 이해해야 했습니다.

자산 관리와 비유하자면, 회사는 수십억 달러를 관리하지만 그 돈을 물리적으로 보유하고 있지는 않습니다.

연사는 저축이 항상 가시적인 것에 관한 것이 아니라는 교훈을 제시합니다.

저축은 항상 만질 수 있는 것에 관한 것이 아니라는 교훈적인 개념이 있습니다.