"House slave" has become a buzzword recently, which refers to those whose monthly mortgage payment accounts for more than 50% of their income. The term "card slave" first originated from Taiwan. Taiwan's financial authorities define people who are unable to repay the minimum repayment amount of the bank and have failed to repay for three consecutive months as "card slave". Last year, the number of this group in Taiwan was 400,000, and now it has risen to 700,000. Today, as advanced consumption has gradually become a trend, some people believe that the popularization of financial knowledge must be urgently put on the agenda. In fact, it’s not just college students, there are also the “money earners” who “spend whatever they earn”, the “housing slaves” who “don’t dare to spend money for fear of getting sick”, the “old-timers” who “don’t want to work and idle around all day”, etc. , all have "financial intelligence" flaws to varying degrees. Whether you can calculate the amount of bank loan interest is just a purely technical issue and has little to do with "financial intelligence". Financial intelligence refers to a person's ability to correctly understand and use money and its laws. People are the masters of money, not slaves. You don't work for money, but let money work for you. This is the value of financial intelligence. If one day you suddenly find that all your credit cards have been maxed out, or even become a bank worker, this first shows that you are a person with insufficient "financial intelligence". Now, such "card slaves" have appeared in Taiwan. As the name suggests, "card slaves" are slaves of credit cards and cash cards. In Taiwan, millions of people are troubled by credit card debt with compounding interest rates. In addition to economic and social causes, the emergence of "card slaves" is also caused by the lack of personal financial management ability: they excessively overdraw their ability to pay. The "house slaves" and "card slaves" appearing in mainland China today are exactly the same. If the unhealthy real estate market is a major cause of the birth of "housing slaves", then the lack of financial management skills is also an important aspect. Lack of financial intelligence is not unrelated to a person's education. In foreign countries, financial education generally starts from childhood. For example, in the United States, primary schools have clear financial education goals. For example, 7-year-olds must be able to understand price tags, 8-year-olds must know how to save money, and 9-year-olds must be able to plan expenses. Plans and more. In contrast, our children are too immersed in books and toys, and they are still in a mess in terms of financial management even after they go to college and have a job. Financial management education in China should have a long history. Fan Li in the Spring and Autumn Period is a model of financial management. However, under the long-term policy of "emphasis on agriculture and suppression of business", traditional financial management theory has not achieved much success. Even now, financial management is considered to be a matter for adults and has nothing to do with children. From primary school to middle school to university, financial management is almost blank in China’s education practice. Even if there is, it is full of empty preaching and little actual practice, and has no persuasiveness at all. Strengthening personal financial education, logically speaking, should be part of quality education. Robert Kiyosaki, the author of "Poor Dad, Rich Dad" once said that to get rich you need financial intelligence. Only with financial intelligence can a person be generous, have a broad vision, be generous, and stand firm in the pursuit of wealth. High, see far. Obviously, helping students establish a correct outlook on consumption and financial management will help students develop a correct sense of social responsibility.

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