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  3. Here’s an example of how a typical conversation about money goes in my house

Here’s an example of how a typical conversation about money goes in my house

游客2023-11-04  33
问题     Here’s an example of how a typical conversation about money goes in my house: my seven-year-old son, Joseph, was recently given $ 20 by a relative for his birthday. "Wow, I could buy a lot of jelly beans!" he said excitedly. My reaction: "It’s his birthday money. He can do what he wants with it. " My husband, Joe, disagreed: "He just had a party and got lots of presents. That money needs to go in the bank. " I don’t know the first thing about saving money. I see nothing wrong with impulse purchases, and I rely on Joe to keep us out of debt when it comes to organizing mortgage(抵押借款)and bill payments. And while he can keep a spreadsheet(账目分析表)and has some savvy(知识，技能)investing skills, he hates parting with money, even for necessities. We don’t want to confuse our kids with our quarrels, and we want them to have more balanced attitudes than we do, so we turned to the Globe and Mail’s personal finance columnist, Rob Carrick, to help us improve our approach.
    Carrick tells me mat an allowance is indeed an integral part of financial education, and we should start sooner rather than later. Carrick suggests kids should be allowed a certain percentage for spending, and great care should be taken with the money that’s being saved. Recently, Joseph informed us that he was going to start saving up for the Lego Death Star. It’s the ultimate set. It’s also $ 500. "No way," my husband said automatically. "You are never going to be allowed to spend that much money on Lego. " I disagreed. If he managed to save up all that money, who were we to control what he spent it on? We were of different opinions again. " You have to let kids learn some stuff on their own," says Carrick. " You can set guidelines and give examples, which may rewire their brains somewhat. "
    Still, there’s a problem: allowing Joseph to spend all he saves doesn’t teach him other important lessons about money, such as donating to charity, and it’s certainly not a balanced approach. We decided to sit down with him and explain that even if he saved all his allowances and asked for money or gift cards for Christmas and on birthdays, it would take about two years to make his Death Star dream come true. He thought about it and decided he wasn’t that interested, and now he’s freely spending half of his allowance and saving half in a bank account. Every month, we take turns choosing a charity to support, and the kids each take some money out of the bank to contribute.
    Ultimately, we need to model the right behavior to teach our children good financial habits, says Carrick. For example, involving your kids in trips to the bank will help them understand that you’re saving for their university education. "You need to show that you’re comfortable and competent with money, and that it’s not a forbidden topic or source of shame," Carrick says. What this means for Joe and me is first setting aside time to face our own issues—my lack of planning and his anti-spending attitude—head on. When we’re able to have rational discussions with each other, then e’ll start including our kids in the conversations, too. [br] What made Joseph give up his dream of buying the Lego Death Star?
选项 A、The extremely high price of the toy.
B、The denying attitude of the father.
C、The time he needs to save up the money.
D、The change of his focus of interest.
答案 C
解析 细节题。由题干中的his dream和Lego Death Star定位至第三段第二、三句。这两句指出，当约瑟夫意识到，就算他把所有的零花钱都存下来，再加上过圣诞节和过生日时别人给的钱和礼品卡，也得两年后才能攒够买乐高终极玩具的钱，于是，他放弃了这一想法，由此可知，花费时间过长是约瑟夫放弃购买乐高玩具这一梦想的真正原因，故[C]为答案。
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