长期以来,不少家庭对下一代的理财教育缺乏有目的的启蒙教育和引导,想方设法满足孩子的要求,使孩子根本无勤俭、理财的概念,导致孩子上大学及工作后仍缺乏投资理财和自理能力。从调查研究出发,提出“零花钱”教育的实施方案,对于家庭和学校教育有一定的借鉴意义。 For a long time, many families lacked purposeful enlightenment education and guidance on the financial education for the next generation. They tried their best to meet their children’s demands so that their children did not have the basic sense of diligence and financial management. As a result, children still lacked financial management and self-care after attending university and work ability. Based on the investigation and study, this paper puts forward the implementation plan of “pocket money” education, which has certain reference for family and school education.