学会理财，让有限的钱最大限度地发挥其效益，无论是对国家建设还是对个人生活都是一件有诸多裨益的好事。可是真正懂得如何理财并成功地付诸实践，却不是一件易事，需要一个漫长的过程。因此理财当从儿童抓起。笔者曾看不少发达国家的有关资料，得知那里的家长和社会从两三岁 Learn to manage money, so that the limited money to maximize their effectiveness, both for the construction of the country or for personal life is a lot of good things. However, knowing how to manage money and successfully putting it into practice is not an easy task and requires a long process. Therefore, financial management should start from children. I have looked at a lot of relevant information in developed countries and learned that parents and the community there have grown from two or three years