題:
我想教我的孩子復合成長的力量,他們可以參與其中的一些示範?
cfogelberg
2017-07-30 23:58:16 UTC
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像所有父母一樣,我們希望我們的孩子過著幸福的生活。關鍵因素之一就是為他們提供心理工具和經驗,以便他們可以在生活中做出良好的經濟決策。

這是具有挑戰性的,因為當今消費者營銷非常有效。花掉所有(或更多)收入而不積蓄任何東西也是文化準則。另一方面,如果您只給它一定的發展時間,那麼複合增長會隨著時間的推移變得異常強大。

所以這意味著我們想要做的一件事就是幫助我們的孩子在延遲滿足與立即滿足之間保持健康的平衡。擁有從復合增長中受益的經驗是其中的關鍵部分,這是應對現在消費壓力的難忘的解藥。

因此,我們正在尋找可以與我們一起經歷複合增長和指數增長的示例兒童的時間範圍較短(最長1年)。需要明確的是,這些經驗不必一定是財務或經濟上的經驗,而必須是一種經驗。我們該怎麼辦?

作為背景,孩子是2歲還是4歲-他們雖然很年輕,但是從小就開始並幫助他們擁有正確的心態對我們來說非常重要。 / p>

作為不算在內的示例,以及為什麼...

  • “”您現在可以擁有1個cookie,明天就有2個cookie,或者第二天可以擁有4個cookie ...“
    • 但這不是真正的複合增長,只是具有有趣規則的木乃伊或爸爸
  • 在銀行帳戶中存錢他們
    • 我們這樣做是出於儲蓄的習慣,但是英國的利率低於通貨膨脹率,因此它並未顯示出複合增長
  • 分享我們與他們的財務狀況
    • 我們正在這樣做,但這只是另一堂課,而不是他們所擁有的經驗
  • 鼓勵他們存錢通過提醒他們延遲滿足的好處
    • 我們正在這樣做,但是也沒有證明復合增長

編輯:這個問題有很多好的答案,以及其他人強調了良好的金融知識的其他重要方面。例如。風險,消耗與節省,所需時間。謝謝大家分享您的見解和專業知識!

這是相關的,但沒有解決複利問題。我們的女兒通過戴夫·拉姆齊(Dave Ramsay)的“金融和平大學”與我們坐在一起。她5歲那年,主要是因為我們沒有保姆。我們還與她一起進行了金融和平初級計劃。當我們全家為保存沃爾特·迪斯尼世界假期而做額外的工作時,她正處於其中。她收到了一張新的100美元的清脆賬單,用於她的工作和紀律方面的個人支出。
它可能會幫助您了解孩子可以在多大的年齡推遲結婚,以及在什麼情況下。我認為這是一個有趣的問題,我喜歡@Jeremy Jameson的回答(我自己種了各種各樣的南瓜),但​​是這個年齡段的孩子一般不會“做”延遲的滿足,如果有的話,這是分鐘,而不是幾天。
-1,因為我看不出這對於2 / 4yo的方式,形式或形式有何作用或有用。如果您未在標籤上貼上“幼兒”或“學齡前兒童”標籤,那麼我會推荐一本非常好的書《權利陷阱》,該書為您提供了一種教學工具(適合年齡較大的孩子),用於教授全部金錢/銀行/儲蓄/支出問題,並以實用的方式開闢了增加利息的方式。但是現在的問題是,它的製定方式使我無法寫出不否認您的條件的答案...
這並不完全是複合增長,但我的父母告訴我延遲滿足的情況,這可能適用於這裡。從六歲開始,任何時候我都可以花錢,也可以存入銀行。如果我選擇銀行,我的父母也會在我的儲蓄帳戶中匹配該金額。 (因此,如果我投入10美元,他們會再投入10美元)。然後我在一定時間內無法退出。因此,這並非複雜,但它是成長的起點,也是**年輕**孩子的一個良好起點。我是一名22歲的大學生,現在擁有IRA,因此軼事地他們的方法很有效。
我同意其他一些評論者的意見,因為所涉及的時間較長,所以2和4在您正在考慮的課程上還有些年輕。為什麼不僅僅關注現在的“儲蓄”這一思想,使其根深蒂固成為一種習慣,然後在它們成熟的原因和方式基礎上發展呢?向幼兒提供“戰爭與和平”的副本並不會使他們有一個快速的閱讀開始-增強對語言的興趣和對語音的關注。一步一步來。
相關:[XKCD](https://xkcd.com/947/)
“但這並不是真正的複合增長,只是媽咪或爸爸有一個有趣的規則”。有趣的是,對經濟的興趣,只是銀行有一個有趣的規則!
我要小心的一件事。複合增長是一種幻想。它在自然界中不存在。我們將其視為一個上限,例如酵母細胞的最大生長速率,但從長遠來看,它*總是*將自身回變成S曲線。在華爾街,人們追逐這種錯覺實際上已經失去了他們的襯衫。 (他們也已經在華爾街賺了上百萬,但我們必須記住故事的雙方)
“如果您只給它一定的時間,那麼複合增長將具有不可思議的強大作用……但是英國的利率低於通貨膨脹率。”您到底想在這裡展示什麼?
認真地說,我不認為複合增長對良好的經濟習慣如此重要。我從購買糖果,吃掉所有糖果以及後來在我買不起更重要的東西(如芭比娃娃的衣服)時後悔的經驗中學到了很多。
看來,我生活在一個與您和您的妻子完全不同的星球上。
@AnoE對於幼兒來說,這可能還不是*有用的信息,但是正如植物生長的例子和棋盤上的水稻例子所顯示的那樣,以一種可以理解的方式進行演示肯定是“可能的”。此外,眾所周知,人的頭腦不善於理解指數增長,因此早日了解它可能很有益。
如果銀行帳戶無法正常運行,請找到您自己的家庭銀行。讓您的孩子擁有合同,利率和諸如此類的賬戶,以便他們看到合理的增長。我的父母基本上是和我一起做的,我有一個小“銀行帳戶”(有時我也有一個真實的帳戶)。在某一時刻,他們實際上是向我借錢的,當然必須還錢。在我18歲生日那天,它被“取消”,他們用付款計劃向我付款。 (這意味著我突然沒有很多錢,但是在我學習的頭幾年裡,我有了穩定的“額外收入”。)
當您的孩子長大時,您可以問他們“睡蓮每24小時翻一倍。夏天開始時,湖上只有一個睡蓮。湖上花60天才能被睡蓮覆蓋。哪一天湖半邊遮蓋?”
無論您做什麼,都必須閱讀Mack Reynolds的科幻短篇小說“ Compounded Interest”(也許還可以讓孩子在年紀足夠大時閱讀)。
十 答案:
Jeremy Jameson
2017-07-31 01:17:18 UTC
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Here's a great way that has nothing to do with money but instead something tangible that's easier for young minds to grasp.

Plants!

What you want to do is get your hands on some heritage-grade seeds - the sort that will grow plants that then make their own seeds that will produce more plants. Some sort of beans might be a good choice, but look into various options and pick something that will be interesting for the whole family (ideally, something tasty).

Involve them in the process of sprouting, transplanting, and caring for the plants. Explain how you are investing water, soil nutrients, time, and energy (both directly from your own work, and indirectly through exposure to the sun) to help the plant grow and make more seeds. Then when it comes time to harvest those seeds, start the process again - but this time aim to grow several more plants. They can help with more of the work during this 2nd round as they'll have already gone through the process with you once.

If you have the space, you could also go with something really impacting like a fruit tree. You can get an idea of how long this takes (multiple years) from sites like this one:

https://www.starkbros.com/growing-guide/article/how-many-years

Over time, they'll get a valuable lesson in how setting constructive processes into play through disciplined application of inputs over the long-term can yield impressive results.

您製作的野花場可能會產生很大的影響,但是老鼠或某種蟲子可能會更快,而囓齒類動物或的超車可能是一個持久的課程,尤其是在孩子必須參加照料的情況下。
雖然我同意野花領域會吸引人,但我仍專注於控制更多的項目,因為即使成功種植生產性植物也面臨著足夠的挑戰。
我喜歡使用種子的想法。唯一的缺點是植物生長的季節性。大多數類型的植物種子將需要一年半的時間才能生長,成熟,產生種子,並且種子再次發芽/生長至成熟以顯示出繁殖效應。最好只用種子來展示它,例如16個玉米粒可以在幾個月內變成數千個玉米粒,或者一個南瓜種子可以產生數百個種子,而且肉中的食物價值也很高。無論如何,這些都是長期的課程,對於這樣的幼兒來說太長了。
這些都是重點。但是,我想指出一個例外,因為複合收益的發展很少會很快(尤其是從任何自然意義上來說),並且通常會涉及高風險(例如賭場遊戲)。像蒲公英這樣的雜草可能會很快用植物來說明這個概念,但是大多數人認為雜草是一種令人討厭的事情,而不是一種資產(儘管蒲公英具有食用性)。話雖如此,我同意這一點,學齡兒童更容易觀察和吸收。
噢,我沒想到蒲公英...(研究蒲公英的生命週期...)哦,孩子們通常真的很喜歡蒲公英。您可能已經選擇了適合孩子們的理想植物(但爸爸媽媽可能沒那麼多)!
不是為了複合生長,而是為了樂趣,這告訴我,在花園中的多個地方嘗試種植植物也很有用。有時植物只是不生長,或者害蟲會使它們變得更好,或者無論如何-試圖在兩個或多個地方種植相同的東西會給您帶來更多成功的機會(沒有什麼種植是一種很無聊的經歷)。在財務計劃中,這實際上也是有用的信息-銀行可能會得到政府的擔保,因此相當安全,但許多其他選擇卻沒有。
我建議南瓜:葡萄藤的生長速度加快,並且它們周圍的一切都是巨大而令人難忘的。從明年春天開始,到八月,您將指向一輛汽車大小的東西,然後說:“記住種子嗎?您看到種子馬上長出來了嗎?”
Honza Zidek
2017-07-31 13:02:55 UTC
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市場上有許多棋盤遊戲正是採用這種方式設計的。

這類游戲的總體思路是,您可以獲得積分(XP)和金錢。最後,很重要-最終得分。 Money 僅在遊戲過程中很重要,您需要它來獲得XP,但這不是遊戲的目標。遊戲的運作方式通常是,一開始您幾乎沒有錢。如果您在遊戲開始時就將其用於XP,則會輸掉比賽。遊戲迫使您投入資金以獲得複合增長,然後您就可以開始花錢了。在支出和投資之間找到合適的平衡,就像在現實生活中一樣。

我的第一個想法是聖彼得堡(10+), Agricola( 12歲以上),輝煌(10歲以上),但還有很多其他遊戲,我相信您還會發現適合小孩子的東西。找到當地的桌遊俱樂部或好的桌遊經銷商,並向他們尋求建議。您可以先參加很多比賽,然後購買自己喜歡的東西。

+1,棋盤遊戲將經濟,金融,談判和策略巧妙地傳達給人們
我個人認為Chicago Express是一個相對簡單的棋盤遊戲,可以很好地完成此任務。在我看來,年齡分級是一個過高的估計(儘管肯定不適合幼兒使用)。
josh
2017-07-31 16:04:16 UTC
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如果他們可以算數,那麼可以快速輕鬆地對它們進行設置:

挑戰他們,將米粒放在國際象棋/跳棋/草稿板上的第一廣場。然後讓他們在第二個方塊上放置兩個,在下一個方塊上放置4個,在下一個方塊上放置8個,...他們很快就會意識到任務的不可能,並且將學習複利/成長非常強大!

這是一個眾所周知的問題。總顆粒數將達到18,000,000,000,000,000,000。

現在,他們已經看到了複合動力的增長,您可以使他們對這款遊戲更加有趣。正如瓦爾特克(Valthek)在評論中所建議的那樣,您可以通過設置兩塊木板來對抗它們,一個為您,一個為他們,以及百萬風格的甜蜜/糖果。然後,您可以在他們可能會吃掉甜食的同時發揮儲蓄/投資策略。為了使遊戲更加逼真,讓您的伴侶或其他中立的人扮演“銀行家”的角色,以使他們不認為您只是在付出額外的努力或製定規則。

@HonzaZidek這非常清楚地顯示了“複合增長的力量”,並提供了“它們可以成為其中一部分的演示”。按照標題。
-1
我建議使總平方數更易於管理,例如16。確保您有兩個或更多的木板,一個適合您,一個供孩子們使用。每天給他們一個糖果(也許是M&M或類似的糖果)或他們擁有的糖果數量增加一倍。讓他們選擇是否吃飯。他們很快就會發現,您可以輕鬆地吃一些糖果,但仍然賺得比您賺的糖果還要多。
@Valthek有兩個委員會,這是一個好主意-直接比較比讓他們記住要容易得多。可以在蛇形和梯子板上完成,因為這可能令他們更熟悉。 http://www.millionssweets.co.uk/content/our-range將是甜食的絕佳選擇。當它們長大時,您可以將蛇作為不可預見的鈔票等。這可能會強調“放一些雨天”課程。
“為了使遊戲更加逼真,讓您的伴侶或其他中立的人扮演“銀行家”的角色,以便他們了解銀行家在您走行時制定規則。”
我當時想建議一些類似的方法:可以吃掉或保存起來的糖果,以便在第二天/轉/分/等後得到更多醣果。
@OleTange非常聰明。那使我發笑。
Ryan
2017-08-01 00:36:02 UTC
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Both Jeremy Jamesons and Joshs answers are good examples, each having their own advantages and disadvantages. We have a group activity, and a solo game. Allow me to offer a third choice which has its own different advantages and disadvantages, a 2 player competitive game.

The version I came up with uses Money, but you can use almost anything you have a lot of. Money just has several perks compared to most other times, such as the fact that they should know the inherent value and power of money.

How you play is simple, each person starts with a set amount, and each person gets a certain amount of money per turn. One gets a set number of money per turn, a linear amount, while the other gets a compound amount. The players then take turns getting their money until many rounds later when the compound is the clear winner.

A solid example (using American currency here):

You both start with 5 pennys(or one Nickel). The linear growth person gets 2 pennys per turn, while the Compound growth person gets 1 pennys per 5 they already have per turn (no fractions)(a more visually simply way to view that, one penny per Nickel).

Using those rules, the linear path starts off stronger, but after the 12th round, the compound pulls ahead by a penny, and the gap just gets wider from there.

Like this, if the child chose linear, they will likely feel the superior choice, easily beating the adult early on. This shows that the linear choice feels good early on, because in the short term, its better early on. After a while though, the Compound method catches up and then surpasses it, showing that its better in the long run.

There is an essays worth of things you can do or say to help the child understand why compound wins in the end, but that is far to long to really get into in the answer (maybe Ill throw some thoughts in the comments if needed/requested). There is also the issue that the linear player looses, and many children hate loosing, among other things.

我喜歡這個主意!真錢,簡單的規則,很快就能完成。它只需要少量的小硬幣。
Danikov
2017-08-01 20:52:23 UTC
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There are two fundamental problems here.

Firstly, any demonstration of compound interest, if done right, starts to require inordinate amounts of the thing being compounded to be a valid and engaging demonstration. This leads to the temptation to use something meaningless or without value, say a grain of rice, which means you're asking them to not only learn the lesson but learn it by projecting value onto something that is not valuable to them. Most children engage better in lessons that involve something that they instinctively value to maintain their interest.

The second is that most benefits of compound interest occur over large time periods, which can make it difficult to maintain the coherence of the lesson or tempt teaching it quickly with a game, which might undermine the necessity of patience that is required to benefit from compound interest.

One of the better examples of compound growth is with fast-breeding animals. In one week, with one division per day, one thing multiplies to become 64 things. If you project this behaviour onto small valued items, say candies like jelly beans, the quantities involved aren't too excessive (maybe curb it down to 6 days to ensure a 32 maximum). Place the jelly beans in a number of Petri dishes and label them. Check on them once a day when a treat is appropriate and offer the opportunity to take/eat some, but not all, of them from each dish (at least one must remain to 'grow'). Encourage them to leave some of the dishes more full to 'grow faster', maybe set one dish aside for yourself to demonstrate the benefits of not withdrawing at all.

Each night, you multiply the treats appropriately and, each week, you reset the experiment to keep the numbers manageable... maybe by sharing/eating your dish! There's also potential to exploring sharing lessons (if one child ends up with a lot more than the others), or saving accounts (offer to seal a dish for a week and only let them look at it/add to it from their other dishes), and have other analogies for good financial practices (balancing income and outgoings, maybe exploring debt; jelly beans could 'die' and turn into raisins) later on as they grow up.

This should prevent overrun with the numbers involved, gives easy-to-understand contrast, persists the illustration over a long period of time without losing engagement, and is engaging and interesting on a value level. It also might back-door a little biology as well.

Kevin
2017-08-01 02:23:53 UTC
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Video games, especially numbers-heavy games, often have exponential growth involved. If your kids enjoy video games and get to the point they thoroughly understand the strategies involved, they can understand compound interest.

For example, once your children are old enough, a grand strategy game like Civilization provides a powerful demonstration. These games have you manage a kingdom or empire with the goal of becoming the most powerful political state in the world. The winning strategy involves consistently investing and re-investing your resources into systems that allow you to gain more resources more quickly. If you become lazy about investing resources, spend them on investments that don't have good returns, or blow too many resources at once to be able to invest well in the future, you can quickly lose your ability to keep up with other kingdoms. But if you invest carefully and strategically, you can gain so much momentum that, by the end of the game, you are completely unstoppable.

The interesting thing is that the systems you use to gain more resources remain largely unchanged throughout the whole game. But as you build more cities and expand your empire, the same systems mean you gain more and more resources each turn - exponential, compound-like growth from simply having more video game money being invested and generating a return for you.

In the same way you need to continually reinvest your resources to grow more and more quickly in a grand strategy video game, you need to continually reinvest your money so that the same interest rate means your capital grows exponentially.

Owen
2017-08-02 08:04:57 UTC
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Compound growth is a great way for your kids to enjoy annoying their friends with long text messages.

For example, let's say you want to send your friend a flood of sunglasses emoji. You can type them one at a time:

Slow!

Or, you can repeatedly select-all, copy, paste:

Much faster!

Even though select-all, copy, paste feels like more work each step, you end up with a bigger flood of text in less time. With the power of compound growth, you can create unbelievably annoying texts and baffle your friends with how you can type so fast.

如果人們看不到這種幽默,我將對SE社區失去所有信任。
KareemElashmawy
2017-08-01 22:32:44 UTC
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Simulate a savings bank with a 'piggy' bank where YOU (the parent) take on the role of the "bank".

This is pretty straightforward since we already teach kids to save their money with a piggy bank. You simply extend this to include compound interest returns where you act as the banker. This means that at the end of each month you and your child add up the balance, compute the interest, and you deposit that amount. To make this effective though, you ought to use a high interest rate (5% or greater) with a small principal balance and a small deposit for each month (or week if you choose).

Example:

Parent gives Child a piggy bank with a 5% monthly interest rate for 1 year. At the end of each month, Parent and Child get together and count the money saved. Parent teaches Child the algebra needed to compute the 5% interest. Parent deposits that sum into the piggy bank. Next month they do the same, but this time, if the balance wasn't spent, Parent may directly show Child that the 5% interest also applies to the 5% from the previous month. Over subsequent months, Child will see the long term effects of it. Once Child learns enough algebra, Parent may teach them the compound interest formula.

PGnome
2017-07-31 20:05:52 UTC
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When I was in early elementary school I remember a children's book on this topic, "If You Made a Million". Might still be a little advanced for 2 and 4 year olds, but it was my first introduction to savings and compound interest. It may not be a demonstration per se, but could help reinforce the lesson.

It's actually a sequel to "How Much is a Million", which I also recall fondly. Indeed, in my memory they've run together, but this is probably more foundational and may be better for little ones.

Of course, it's a bit dated (80's/90's) and a million dollars (or pounds) isn't what it used to be (and savings accounts with over a percent interest!), but the concepts I think are generally still valid.

T.E.D.
2017-08-01 03:16:06 UTC
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I believe the traditional way to introduce this topic (since 1256!) is by telling some version of the fable of the wheat and the chessboard:

Another version has the inventor of chess (in some tellings Sessa, an ancient Indian Minister) request his ruler give him wheat according to the wheat and chessboard problem. The ruler laughs it off as a meager prize for a brilliant invention, only to have court treasurers report the unexpectedly huge number of wheat grains would outstrip the ruler's resources. Versions differ as to whether the inventor becomes a high-ranking advisor or is executed.

For a toddler, you might suggest they try a few squares themselves, if you have some rice and a chess/checker-board to spare.*

* - I'd also suggest telling the "high ranking advisor" variant, rather than the "executed" variant.



該問答將自動從英語翻譯而來。原始內容可在stackexchange上找到,我們感謝它分發的cc by-sa 3.0許可。
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