For about 2 months I couldn't attend the meeting.
This week, I chose the article from finance and economy section.
Buttonwood
Teacher, leave them kids alone
Financial education has had disappointing results in the past
Why I pick up the article:
I read an article in Nikkei newspaper about financial education last
month. It shows a result of a questionnaire for children. Over 80% of children
think money is dirty. Nikkei brings the result and insists Japan need
more financial education for children. Their explanation is that children hear
money scandals from daily news so they learn money is bad. Nikkei seems to
think that money is pure and clean so if they educate children about money they
can change their perspective and as a result children come to like, save and
invest money. Is it the purpose of financial education? There is a hint on this
article to think about the issue.
Topics
1. Why do children think money is dirty?
2. Why do people have little enthusiasm for learning about finance?
3. What do you think is the purpose of financial education for children?
Summary
There are many people who are poor at basic financial matters such as calculation
of compound interests. The solution would be:
1. Provide more financial education beforehand (but the result is meaningless so)
2. Teach people when the issues are more relevant
However, there are problems so make the solutions. These are:
1. Consumer enthusiasm for learning is limited.
2. Making education
mandatory is expensive and no one would pay for it.
3. Many financial
issues are more complex so people don’t want to make decisions.
These things prevent children or adults from learning about finance. However, it is unreasonable to give up on financial education altogether. The purpose of education is to prepare children for challenges they face in life. Coping with finance is one of those challenges so it is meaningful to make yakking lectures better designed and more attractive.
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