1.teaching kids to use money wisely
教导孩子们明智地使用金钱
One of a parent's most important roles — a role for which many parents may feel inadequate — is teaching their kids about money: how to use it wisely, and how to save it.
作为父母，最重要的职责之一——也是许多父母可能觉得自己力不从心的一项职责——就是教导孩子有关金钱的知识：如何明智地使用金钱，以及如何储蓄金钱。
Managing even a modest amount of money gives young people valuable decision-making opportunities. With proper guidance and through the inevitable trial and error process, educating, motivating and empowering chidren to become savvy spenders, savers and investors will help them keep more of the monyey they earn and do more with the money they spend.
即使是管理少量资金，也能为年轻人提供宝贵的决策机会。在适当的引导下，并通过不可避免的尝试与错误过程，教育、激励并赋予孩子们成为精明的消费者、储蓄者和投资者的能力，将有助于他们保留更多自己挣得的钱，并更有效地使用所花费的钱。
For most kids, investing decision can wait. But developing at an early age, the discipline and restraint associated with saving and spending can help them achieve financial success and avoid the pain of burdensome debt and continuoussy have more than money.
对于大多数孩子来说，投资决策可以稍后再做。但从小培养储蓄和消费方面的自律与克制能力，能够帮助他们取得财务上的成功，避免背负沉重债务的痛苦，并且持续拥有更多的财富。
2.money instruction
Be intentional about your money instruction, and build your teaching around four key areas of money management: work, saving, spending wisely and giving.
要明确自己的理财规划，并围绕以下四个关键的理财领域来开展教育工作：工作、储蓄、明智消费以及捐赠。
Work. There must be an emotional and intellectual connection between work and money. "Never use the word 'allowance,'" warns Ramsey. "Instead, pay 'commissions.' Life will not make 'allowance' for you, but it will pay you what you earn. Work, get paid; don't work, don't get paid."
工作。工作与金钱之间必须存在一种情感和智力上的联系。拉姆齐警告说：“千万不要用‘零用钱’这个词。而应该称之为‘佣金’。生活不会为你提供‘零用钱’，但它会按照你所挣得的给予报酬。工作就能拿到报酬；不工作就拿不到报酬。”
Saving. Developing the discipline of saving is one of the best ways to avoid the punishment of debt. It helps you plan for making big purchases, and it helps instill the ethic of goal-setting. "Since kids tend to like games, make a game of it," advises Ramsey. "Simp ly divide the price of the goal by the amount you plan to save each week to see how many weeks or months it takes to ring the bell."
储蓄。培养储蓄的习惯是避免债务惩罚的最佳方法之一。它能帮助你规划进行大额消费，还能培养设定目标的观念。拉姆齐建议道：“既然孩子们通常喜欢游戏，那就把它变成一个游戏吧。只需将目标价格除以你每周计划储蓄的金额，就能算出需要多少周或几个月才能达成目标。”
Spending Wisely. People tend to spend differently when, instead of borrowing, they spend the money they earned. "Spending is one of the rewards of disciplined saving and working," writes Ramsey. "It can be the celebration of a goal reached. When spending occurs in this way, the child's self-esteem is maximized, because he or she did it. There is a sense of accomplishment, of a job well done."
明智消费。当人们不再依赖借贷，而是将自己挣得的钱用于消费时，他们的消费方式就会有所不同。拉姆齐写道：“有计划地储蓄和工作所带来的一个好处就是能够进行消费。这可以是对达成目标的一种庆祝。当以这种方式进行消费时，孩子的自尊心会得到最大程度的提升，因为他或她自己付出了努力。会有一种成就感，一种出色完成任务的感觉。”
Giving. "Giving is precious to watch when the kids are young, and fulfilling to watch as they grow into adulthood. Giving makes them less self-centered and brings your kids depth of character. Those who never give become shallow, self-centered, and miserable adults."
“给予”。 “在孩子年幼时观察他们的给予行为是件很美好的事情，而当他们长大成人后看到他们践行给予行为则会令人感到满足。给予能让他们变得不那么自我中心，并且能赋予孩子丰富的人格特质。而那些从不给予的人则会成为肤浅、自我中心且痛苦的成年人。”
10个月宝宝每天需要喝多少奶粉？
