易語言程序應用程序錯誤退出_為什么我退出Google并構建了一個向孩子們教授個人理財的應用程序

易語言程序應用程序錯誤退出

Many of my friends thought I was crazy to leave a great position at Google to help parents and kids learn about money. Maybe they’re right.

我的許多朋友都認為我為在谷歌上任職以幫助父母和孩子了解金錢而感到瘋狂。也許他們是對的。

Building a creative, engaging app to teach financial literacy to kids is challenging. But it’s also important work.

建立一個富有創意的，引人入勝的應用程序來向孩子們傳授金融知識是一項挑戰。但這也是重要的工作。

Given that many schools aren’t yet teaching personal finance in the classroom, I felt compelled to make this work my mission.

鑒于許多學校尚未在課堂上教授個人理財，我感到被迫將這項工作作為我的使命。

I founded Pennybox with a simple yet audacious goal: educate kids and families about money. Before I started coding, I spoke with hundreds of parents and asked them this question: Do you teach your kids about money and what are the results?

我創建Pennybox的目的是一個簡單而又大膽的目標：教育孩子和家庭有關錢的知識。在開始編碼之前，我與數百名父母進行了交談，并向他們詢問了這個問題：您是否教孩子有關錢的知識，結果如何？

What I learned was surprising: while all parents thought that financial education was important to the well being of their children, few actively taught financial topics at home, or felt empowered or sufficiently skilled to do so.

我學到的東西令人驚訝：盡管所有父母都認為金融教育對他們的孩子的健康很重要，但很少有人在家中積極教授金融主題，或者覺得自己有能力或足夠熟練地做到這一點。

父母如何教我關于金錢的知識 (How my parents taught me about money)

When I was younger, my parents gave me a book about fun ways to earn and save money. I remember reading it and appreciating the photos of money and the story about how a pile of coins would grow over time if managed properly. I was fascinated from the start.

我小的時候，父母給我寫了一本關于賺錢和省錢的有趣方式的書。我記得讀過這篇文章，欣賞了金錢的照片，以及有關如何正確管理一堆硬幣將隨著時間增長的故事。從一開始我就著迷。

I was lucky. My parents had taken time to buy me the book, and made sure I read and understood it. Even better, they provided me a hands-on environment in which to apply and practice the lessons I learned. They called this “learning by doing.”

我很幸運。我父母花了一些時間給我買這本書，并確保我閱讀并理解了這本書。更好的是，它們為我提供了動手實踐的環境，可以在其中應用和實踐我所學的課程。他們稱此為“邊做邊學”。

They’d give me small amounts of money for doing chores and helping out around the community. By “learning on the job” the lessons I read came to life. I was able to gain a deeper understanding of important topics, like how to budget and save.

他們會給我少量的錢來做家務和在社區中提供幫助。通過“ 在工作中學習 ”，我讀到的課程變得生動起來。我對重要的主題有了更深入的了解，例如如何預算和節省。

For kids unable to learn about money at home, the classroom should be an obvious place to turn. But this isn’t the case. Only 17 US states require any financial education for their students. Ultimately when kids are “undereducated” about money, society picks up the bill.

對于無法在家中學習金錢的孩子，教室應該是一個明顯的轉折點。但是事實并非如此。美國只有17個州要求其學生接受任何金融教育。最終，當孩子們對金錢“不了解”時，社會就會付賬。

Technology is a perfect medium to help solve this problem.

技術是幫助解決此問題的完美媒介。

我在構建Pennybox的經驗教訓 (Lessons that I’m building Pennybox around)

Below, I’ve distilled the key lessons from my experiences with money. These are the most important lessons I learned and it is my desire to pass this knowledge on — to you or your own children, to your friends that have kids, and to anyone that is struggling to maintain their financial health. And they are insights I’m building into Pennybox.

下面，我從我的金錢經驗中總結了關鍵的教訓。這些是我學到的最重要的課程，我希望將這些知識傳遞給您或您自己的孩子，有孩子的朋友以及任何為維持財務狀況而努力的人。它們是我正在Pennybox中構建的見解。

第1課：通過做真實的事情來賺錢 (Lesson 1: Earn real money for doing real things)

Key Takeaway: A dollar earned is a good thing

要點：賺一美元是一件好事

When I was in high school I had a summer job. My duties were primarily janitorial, and I earned minimum wage. Nothing taught me faster the value of money than counting how much I earned per hour and multiplying the number of hours I worked times my pay rate.

當我上高中時，我有一個暑假工作。我的職責主要是管家，我賺了最低工資。沒有什么比教我每小時賺多少錢，我將工作小時數乘以薪水率來教我貨幣價值更快的了。

My daily take home salary was roughly $25. After that job I saw price tags — for food, clothes, travel, and education — in a very different light. I thought about costs not just in terms of money but in terms of time. I had never appreciated this relationship until I first started working and began earning real money for doing real things.

我的日常帶回家的薪水大約是25美元。在完成這項工作后，我看到了價格標簽-包括食物，衣服，旅行和教育的價格-完全不同。我不僅考慮金錢，還考慮時間。直到我開始工作并開始通過做真實的事情賺到真錢之前，我從未對這種關系感到滿意。

第2課：保存 (Lesson 2: Save)

Key Takeaway: Don’t end up like Gorbachev’s economy

要點：不要像戈爾巴喬夫的經濟那樣結束

During the Cold War, former USSR leader Mikhail Gorbachev was asked about the health of the Soviet economy. He replied: “good.” When pressed to explain his answer in more than one word, he answered: “not good.”

在冷戰期間，前蘇聯領導人米哈伊爾·戈爾巴喬夫(Mikhail Gorbachev)被問及蘇聯經濟的健康狀況。他回答：“好。” 當被迫用一個多詞解釋他的答案時，他回答：“不好。”

This story reminds me of many people’s attitudes towards saving. If you ask your friends if saving money is important, they will all reply yes. But how many actually do so?

這個故事使我想起了許多人對儲蓄的態度。如果您問朋友省錢是否重要，他們都會回答。但是實際上有多少呢？

In order to build an economic foundation, real money must actually be saved and set aside.

為了建立經濟基礎，實際的錢必須被實際保存起來并撥出。

第三課：投資 (Lesson 3: Invest)

Key Takeaway: Love is a powerful force, but so is compound interest. Invest for the future.

要點：愛是強大的力量，復利也是如此。為未來投資。

A child was once asked during an exam: “what is the strongest force on earth?” Their reply: “love.”

一次考試中有人問過一個孩子：“地球上最強大的力量是什么？” 他們的回答是：“愛”。

While the sentiment is certainly admirable, a more scientifically correct answer would have been the strong nuclear force.

盡管人們的情緒肯定令人欽佩，但更科學的答案是強大的核力量。

I would argue that there is yet another force of almost equal strength: compound interest.

我認為，還有另一種力量幾乎相等：復利。

Investing wisely is crucial for making money work for you — or your kids — in the future. Albert Einstein understood this well:

明智的投資對于將來為您(或您的孩子)賺錢至關重要。愛因斯坦(Albert Einstein)非常了解：

“Compound interest is the eighth wonder of the world. He who understands it, earns it…he who doesn’t…pays it.” — Albert Einstein

“復合興趣是世界的第八大奇跡。懂得的人賺了……不付錢的人。” - 艾爾伯特愛因斯坦

第4課：周到地花費 (Lesson 4: Spend thoughtfully)

Key takeaway: No matter how slow or fast, crossing the finish line is memorable. Get to the finish line.

關鍵要點：無論速度有多慢，越過終點線都是令人難忘的。到達終點。

Money should be earned, saved, and invested — in that order. Money that is left over should be spent thoughtfully.

應當按照該順序賺錢，儲蓄和投資。剩下的錢應該謹慎地花費。

The wise allocation of money is similar to the preservation of energy at the start of a long run. You need to expend resources, but make sure you have enough to make it to the finish line.

明智的貨幣分配類似于長期運行時的節能。您需要花費資源，但要確保有足夠的資源來達到終點。

Know what you want and know what you need. Distinguish between the two in order to reach the end of the race.

知道您想要什么，知道您需要什么。區分兩者以達到比賽結束。

關鍵課程5：捐贈 (Key Lesson 5: Donate)

Key Takeaway: Be generous, be kind. Money is a tool. Use it to help others.

關鍵要點：大方，善良。金錢是一種工具。用它來幫助別人。

Anne Frank wrote that “no one has ever become poor by giving.”

安妮·弗蘭克(Anne Frank)寫道：“沒有人會因為施舍而變得貧窮。”

If you’re reading this article a few things must be true:

如果您正在閱讀本文，則必須注意以下幾點：

you are literate
你識字
you have an internet connection
你有互聯網連接
and you own at least one device.
并且您擁有至少一臺設備。

You are doing quite well by global standards — and can afford to help others. But why wait until adulthood? Kids must learn that being financially literate is about taking some money and using it to empower charities, non-profits, or community initiatives. Children can learn to donate just like they learn to read and write.

按照全球標準，您做得很好，并且有能力幫助他人。但是為什么要等到成年呢？孩子們必須學習懂財務知識是要花一些錢，并用它來增強慈善機構，非營利組織或社區活動的能力。孩子們可以像學習閱讀和寫作一樣學會捐贈。

I’m deeply grateful my parents gave me a book and a hands-on environment to learn basic money skills while I was a child.

我非常感謝我的父母給了我一本書和一個動手操作的環境，以便在我小時候學習基本的理財技巧。

A world where people are educated about money — and know how to earn, save, invest, spend thoughtfully, and donate — is a world I want to live in and one that I am trying to create.

人們想要接受金錢教育，并且知道如何賺錢，儲蓄，投資，認真地花費和捐贈，這個世界就是我想要生活的世界，也是我想要創造的世界。

Thanks for reading. If you want to get in touch you can reach me at wfhadviser.com, my latest effort to help families work from home and make the most of their time and their money.
謝謝閱讀。如果您想取得聯系，可以通過wfhadviser.com與我聯系，這是我最近一次幫助家庭在家工作并充分利用自己的時間和金錢的努力。