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Tiktok網(wǎng)紅數(shù)了1萬(wàn)粒大米,來(lái)教授青少年理財(cái)知識(shí)

POLINA MARINOVA
2020-03-26

金融知識(shí)的缺乏,不光會(huì)影響到個(gè)人財(cái)富積累,,更嚴(yán)重的是,,如果不懂得自我防范,可能會(huì)帶來(lái)災(zāi)難性的后果,。

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漢弗萊·楊在Tiktok介紹個(gè)人理財(cái)知識(shí)。圖片來(lái)源:COURTESY OF HUMPHREY YANG
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你以為抖音現(xiàn)在還只是一些讓青少年傻乎乎大笑的段子嗎,?錯(cuò)了,!針對(duì)如此眾多的青少年受眾,無(wú)論是國(guó)內(nèi)抖音還是Tiktok(Tiktok),,都開(kāi)始走知識(shí)路線,。國(guó)內(nèi)的抖音有了各種各樣的教育類賬號(hào),其中有一些網(wǎng)絡(luò)紅人擁有千萬(wàn)粉絲,。而在Tiktok里,,目前最火的賬號(hào)是教青少年如何理財(cái)?shù)摹?/div>

“貝佐斯的大米有26公斤!”

最近的一個(gè)周六晚上,,32歲的電子商務(wù)企業(yè)家漢弗萊·楊花了一整晚數(shù)了1萬(wàn)粒大米,,他這是為了向Tiktok的青少年用戶解釋錢(qián)的規(guī)模。

他想讓青少年們知道,,坐擁10億美元是個(gè)什么樣的概念,,他以全球最富有的人之一,亞馬遜首席執(zhí)行官杰夫?貝佐斯為例,,貝佐斯凈資產(chǎn)估計(jì)為1220億美元,。

“如果每粒大米代表10萬(wàn)美元,貝佐斯的大米有26公斤,。各位,,看看這有多大一攤。太瘋狂了,,”楊在短視頻中說(shuō),,邊說(shuō)邊把鍵盤(pán)插在代表貝佐斯財(cái)富的米堆里。

圖片來(lái)源:COURTESY OF HUMPHREY YANG

和國(guó)內(nèi)抖音一樣,,Tiktok也廣受青少年歡迎,。楊制作的系列節(jié)目里,有兩段60秒視頻在Tiktok上瘋狂走紅,,播放達(dá)220萬(wàn)次,。他告訴《財(cái)富》雜志,視頻之所以受歡迎,部分原因是“令人震驚的視覺(jué)效果”,。

這并不是楊第一次來(lái)解釋和錢(qián)有關(guān)的話題,,他其它的短視頻里,介紹過(guò)社保稅,、股市和信用評(píng)分等,。他的視頻得到了210多萬(wàn)個(gè)點(diǎn)贊,而現(xiàn)在像他這樣的個(gè)人理財(cái)網(wǎng)紅越來(lái)越多,。

Tiktok的大多數(shù)內(nèi)容是青少年搞笑跳舞之類的段子,,盡管這樣,楊還是努力在60秒短視頻內(nèi),,向30多萬(wàn)關(guān)注粉絲介紹預(yù)算,、儲(chǔ)蓄和投資方面的知識(shí)。

“我只是為了吸引觀眾,,拋出一些信息激發(fā)興趣,,這樣你就能自己去研究了,”楊說(shuō),?!拔医?jīng)常收到私信說(shuō),‘真希望學(xué)校也能這么教我,?!?/p>

“金融素養(yǎng)”遠(yuǎn)未普及

楊說(shuō)的話不無(wú)道理。如今在美國(guó),,有21個(gè)州要求學(xué)校在現(xiàn)有課程中納入數(shù)學(xué),、經(jīng)濟(jì)學(xué)等個(gè)人理財(cái)內(nèi)容,但只有六個(gè)州規(guī)定高中生必須參加單獨(dú)的個(gè)人理財(cái)課程,。在中國(guó)國(guó)內(nèi),,也只有北上廣少數(shù)中小學(xué)校有添加一些創(chuàng)新性金融理財(cái)課程,但是此類課程也僅局限于試點(diǎn)教育,,并未納入基礎(chǔ)教育框架,。

2012年,國(guó)際學(xué)生評(píng)估項(xiàng)目(PISA)開(kāi)展了全球金融素養(yǎng)研究,,主要衡量15歲兒童應(yīng)用理財(cái)知識(shí)的能力,。中國(guó)上海市學(xué)生的金融素養(yǎng)領(lǐng)先比利時(shí),位列全球第一,,其它得高分的有來(lái)自澳洲,、愛(ài)沙尼亞、新西蘭等地的學(xué)生,。不過(guò),,其它一些通常在PISA測(cè)試中表現(xiàn)優(yōu)異的國(guó)家,,如芬蘭、日本,、韓國(guó),、新加坡、及中國(guó)港澳臺(tái)地區(qū)等并沒(méi)有參加這次全球財(cái)經(jīng)素養(yǎng)測(cè)評(píng),。

美國(guó)普通學(xué)生的表現(xiàn)則并不好,,協(xié)調(diào)負(fù)責(zé)PISA研究的理財(cái)素養(yǎng)專家盧薩爾迪說(shuō),成年人的知識(shí)更加令人擔(dān)心,。她曾經(jīng)提出過(guò)五個(gè)問(wèn)題來(lái)判斷參與者的金融素養(yǎng),。其中一個(gè)問(wèn)題問(wèn)的是:“假設(shè)一個(gè)儲(chǔ)蓄賬戶里有100美元,利率是每年2%,。如果錢(qián)一直放在賬戶里漲利息,,五年后會(huì)有多少錢(qián)?” 結(jié)果,,只有三分之一的美國(guó)人能準(zhǔn)確回答。

“在理財(cái)領(lǐng)域,,無(wú)知并不是福,,”盧薩爾迪說(shuō)。

“金融素養(yǎng)”又稱為“財(cái)經(jīng)素養(yǎng)”,,對(duì)應(yīng)英文詞匯是“Financial Literacy”,。目前,它已成為一個(gè)教育領(lǐng)域,,規(guī)模正逐步擴(kuò)大,,有超過(guò)50多個(gè)國(guó)家發(fā)布并實(shí)施了相應(yīng)的教育計(jì)劃。但是,,落實(shí)到現(xiàn)實(shí)中,,距離金融素養(yǎng)真正的全民普及,除芬蘭等少數(shù)國(guó)家外,,各國(guó)都還有很長(zhǎng)的路要走,。在中國(guó)國(guó)內(nèi),金融素養(yǎng)教育也是一個(gè)新興領(lǐng)域,,直到2018年,,中國(guó)才擁有了第一份領(lǐng)域內(nèi)規(guī)范性文件《中國(guó)財(cái)經(jīng)素養(yǎng)教育標(biāo)準(zhǔn)》,但目前也僅僅只是一個(gè)框架而已,,遠(yuǎn)遠(yuǎn)沒(méi)到實(shí)施普及的程度。

2010年,,盧薩爾迪就年輕人對(duì)金融知識(shí)的掌握開(kāi)展了一項(xiàng)研究,她發(fā)現(xiàn),,回答體現(xiàn)金融素養(yǎng)的問(wèn)題時(shí),女性更容易答錯(cuò),。只有一小部分人的金融素養(yǎng)較高,他們大多是年輕男性,,家人都受過(guò)高等教育,。

金融知識(shí)的缺乏,不光會(huì)影響到個(gè)人財(cái)富積累,,更嚴(yán)重的是,如果不懂得自我防范,,可能會(huì)帶來(lái)災(zāi)難性的后果,。2008年金融危機(jī)奪取了很多人的未來(lái),至今,,美國(guó)人中還有相當(dāng)一大部分比例手中流動(dòng)性應(yīng)急現(xiàn)金不足400美元,。在中國(guó),,頻頻發(fā)生的大學(xué)生校園貸受騙事件也說(shuō)明了年輕人嚴(yán)重缺乏金融常識(shí),。

“如果在學(xué)校里不教金融知識(shí),,有些群體就更難學(xué)到了,,”盧薩爾迪說(shuō),“他們能去哪學(xué)呢,?”

買(mǎi)股票要學(xué)學(xué)泰勒·斯威夫特

在海莉·薩克斯看來(lái),可以通過(guò)網(wǎng)絡(luò)搜索理財(cái)知識(shí),。她剛找到第一份全職工作時(shí),,單位問(wèn)她計(jì)劃繳多少養(yǎng)老金(注:美國(guó)養(yǎng)老金上繳比例由個(gè)人決定,,單位給予相應(yīng)匹配),“我裝作知道,,然后努力去搜索,,但是我能找到的內(nèi)容實(shí)在是太少了,,”她說(shuō),。

搜索知識(shí)時(shí),,她才發(fā)現(xiàn)看似微不足道的決定對(duì)未來(lái)個(gè)人財(cái)務(wù)多么重要,。所以她問(wèn)自己:為什么沒(méi)人跟我說(shuō)過(guò)這些,?

薩克斯開(kāi)始大量學(xué)習(xí),,繼而開(kāi)始用她和她朋友都能弄懂的語(yǔ)言來(lái)解釋復(fù)雜的話題。她在YouTube網(wǎng)絡(luò)上開(kāi)設(shè)了頻道,,把華爾街行話轉(zhuǎn)為通俗語(yǔ)言,,用流行文化來(lái)解釋金融概念,。

比如,她拿鄉(xiāng)村歌手泰勒·斯威夫特的職業(yè)生涯來(lái)解釋股票,,用名人卡戴珊家族來(lái)說(shuō)明養(yǎng)老金提前繳稅跟退休后繳稅的區(qū)別,,用約會(huì)類真人秀節(jié)目《單身漢》來(lái)解釋投資銀行。

薩克斯在YouTube上粉絲約3000人,,在Instagram上粉絲有12萬(wàn),。她說(shuō):“我想幫助年輕人輕松過(guò)渡到成年期,開(kāi)啟自己的理財(cái)之旅,?!?/p>

最近,薩克斯更專注于個(gè)人理財(cái)內(nèi)容,,她說(shuō)她正學(xué)習(xí)成為合格的理財(cái)規(guī)劃師,之后就可以向粉絲提供個(gè)人理財(cái)建議,。

“互聯(lián)網(wǎng)這代年輕人,,可能是企業(yè)家最多的一代人,”她說(shuō),?!斑@意味著所有人都要學(xué)會(huì)如何賺錢(qián),,如何管理資金,,如何納稅等。我們一定要給他們知識(shí)的武裝,?!?/p>

凱蒂·斯旺森是兩個(gè)孩子的母親,,和其它各年齡層很多人一樣,她也熱衷于收集打折券,但她最近卻因此成為網(wǎng)紅,,被人稱為“打折券凱蒂”,,在Tiktok上,,她的粉絲已達(dá)130萬(wàn),,她巧用打折券來(lái)省錢(qián)的短視頻收到了超過(guò)3600萬(wàn)點(diǎn)贊,。

“很多人告訴我,,感覺(jué)研究?jī)?yōu)惠券是媽媽輩或奶奶輩做的事,,從來(lái)沒(méi)想過(guò)可以用優(yōu)惠券填補(bǔ)收入,”她說(shuō),。

斯旺森承認(rèn),,抖音上大部分內(nèi)容都是娛樂(lè),所以她制作的大部分視頻搞笑的同時(shí)再帶點(diǎn)信息量,。教育和娛樂(lè)之間的界限有時(shí)很難分清,,尤其是在視頻最長(zhǎng)只有60秒的平臺(tái)上。

內(nèi)容質(zhì)量則正是研究者盧薩爾迪最擔(dān)心的部分,?!拔覀円⌒目赡芎雎粤撕芏鄬?shí)質(zhì)內(nèi)容,”她說(shuō),,“不能讓抖音上的人來(lái)教我們個(gè)人理財(cái),,應(yīng)該讓學(xué)校來(lái)教?!?/p>

網(wǎng)紅們的理財(cái)妙招

1.計(jì)算開(kāi)銷:“真人秀《XX的奢華生活》里,我們可以看到過(guò)碧昂絲的生活要花多少錢(qián),。我們也應(yīng)該搞清楚我們自己的生活要花多少錢(qián),。統(tǒng)計(jì)下過(guò)去三個(gè)月的支出,算出我們?nèi)粘I钜ǘ嗌馘X(qián),,然后為自己準(zhǔn)備相應(yīng)的應(yīng)急資金,?!薄@颉に_克斯

2. 長(zhǎng)遠(yuǎn)打算:“不考慮長(zhǎng)遠(yuǎn)打算,只滿足短期消費(fèi),,這通常不值得,。從長(zhǎng)遠(yuǎn)來(lái)看,200美元買(mǎi)一件襯衫真的值嗎,?我的回答是很可能不值,。大多數(shù)年輕人都很短視,結(jié)果就是,,可能欠下一屁股信用卡債務(wù),。”——漢弗萊·楊

3.多多學(xué)習(xí):“要做出各種理財(cái)決定,,我們必須有相應(yīng)的知識(shí),。理財(cái)是很個(gè)人的,并非所有大眾化建議都適用,。我們需要了解理財(cái)?shù)幕局R(shí),,它真的會(huì)給你帶來(lái)收益。如果你是在學(xué)校上學(xué)的年輕人,,好好讀書(shū),。別錯(cuò)過(guò)學(xué)習(xí)的機(jī)會(huì)?!薄材锐R利亞·盧薩爾迪(財(cái)富中文網(wǎng))

譯者:梁宇

審校:夏林

責(zé)編:雨晨

你以為抖音現(xiàn)在還只是一些讓青少年傻乎乎大笑的段子嗎,?錯(cuò)了!針對(duì)如此眾多的青少年受眾,,無(wú)論是國(guó)內(nèi)抖音還是Tiktok(Tiktok),,都開(kāi)始走知識(shí)路線。國(guó)內(nèi)的抖音有了各種各樣的教育類賬號(hào),,其中有一些網(wǎng)絡(luò)紅人擁有千萬(wàn)粉絲,。而在Tiktok里,目前最火的賬號(hào)是教青少年如何理財(cái)?shù)摹?/p>

“貝佐斯的大米有26公斤,!”

最近的一個(gè)周六晚上,,32歲的電子商務(wù)企業(yè)家漢弗萊·楊花了一整晚數(shù)了1萬(wàn)粒大米,他這是為了向Tiktok的青少年用戶解釋錢(qián)的規(guī)模,。

他想讓青少年們知道,,坐擁10億美元是個(gè)什么樣的概念,他以全球最富有的人之一,,亞馬遜首席執(zhí)行官杰夫?貝佐斯為例,,貝佐斯凈資產(chǎn)估計(jì)為1220億美元。

“如果每粒大米代表10萬(wàn)美元,貝佐斯的大米有26公斤,。各位,,看看這有多大一攤。太瘋狂了,,”楊在短視頻中說(shuō),,邊說(shuō)邊把鍵盤(pán)插在代表貝佐斯財(cái)富的米堆里。

和國(guó)內(nèi)抖音一樣,,Tiktok也廣受青少年歡迎,。楊制作的系列節(jié)目里,有兩段60秒視頻在Tiktok上瘋狂走紅,,播放達(dá)220萬(wàn)次,。他告訴《財(cái)富》雜志,視頻之所以受歡迎,,部分原因是“令人震驚的視覺(jué)效果”,。

這并不是楊第一次來(lái)解釋和錢(qián)有關(guān)的話題,他其它的短視頻里,,介紹過(guò)社保稅,、股市和信用評(píng)分等。他的視頻得到了210多萬(wàn)個(gè)點(diǎn)贊,,而現(xiàn)在像他這樣的個(gè)人理財(cái)網(wǎng)紅越來(lái)越多,。

Tiktok的大多數(shù)內(nèi)容是青少年搞笑跳舞之類的段子,盡管這樣,,楊還是努力在60秒短視頻內(nèi),,向30多萬(wàn)關(guān)注粉絲介紹預(yù)算、儲(chǔ)蓄和投資方面的知識(shí),。

“我只是為了吸引觀眾,,拋出一些信息激發(fā)興趣,這樣你就能自己去研究了,,”楊說(shuō),。“我經(jīng)常收到私信說(shuō),,‘真希望學(xué)校也能這么教我,。’”

“金融素養(yǎng)”遠(yuǎn)未普及

楊說(shuō)的話不無(wú)道理,。如今在美國(guó),,有21個(gè)州要求學(xué)校在現(xiàn)有課程中納入數(shù)學(xué)、經(jīng)濟(jì)學(xué)等個(gè)人理財(cái)內(nèi)容,,但只有六個(gè)州規(guī)定高中生必須參加單獨(dú)的個(gè)人理財(cái)課程,。在中國(guó)國(guó)內(nèi),,也只有北上廣少數(shù)中小學(xué)校有添加一些創(chuàng)新性金融理財(cái)課程,但是此類課程也僅局限于試點(diǎn)教育,,并未納入基礎(chǔ)教育框架。

2012年,,國(guó)際學(xué)生評(píng)估項(xiàng)目(PISA)開(kāi)展了全球金融素養(yǎng)研究,,主要衡量15歲兒童應(yīng)用理財(cái)知識(shí)的能力。中國(guó)上海市學(xué)生的金融素養(yǎng)領(lǐng)先比利時(shí),,位列全球第一,,其它得高分的有來(lái)自澳洲、愛(ài)沙尼亞,、新西蘭等地的學(xué)生,。不過(guò),其它一些通常在PISA測(cè)試中表現(xiàn)優(yōu)異的國(guó)家,,如芬蘭,、日本、韓國(guó),、新加坡,、及中國(guó)港澳臺(tái)地區(qū)等并沒(méi)有參加這次全球財(cái)經(jīng)素養(yǎng)測(cè)評(píng)。

美國(guó)普通學(xué)生的表現(xiàn)則并不好,,協(xié)調(diào)負(fù)責(zé)PISA研究的理財(cái)素養(yǎng)專家盧薩爾迪說(shuō),,成年人的知識(shí)更加令人擔(dān)心。她曾經(jīng)提出過(guò)五個(gè)問(wèn)題來(lái)判斷參與者的金融素養(yǎng),。其中一個(gè)問(wèn)題問(wèn)的是:“假設(shè)一個(gè)儲(chǔ)蓄賬戶里有100美元,,利率是每年2%。如果錢(qián)一直放在賬戶里漲利息,,五年后會(huì)有多少錢(qián),?” 結(jié)果,只有三分之一的美國(guó)人能準(zhǔn)確回答,。

“在理財(cái)領(lǐng)域,,無(wú)知并不是福,”盧薩爾迪說(shuō),。

“金融素養(yǎng)”又稱為“財(cái)經(jīng)素養(yǎng)”,,對(duì)應(yīng)英文詞匯是“Financial Literacy”。目前,,它已成為一個(gè)教育領(lǐng)域,,規(guī)模正逐步擴(kuò)大,有超過(guò)50多個(gè)國(guó)家發(fā)布并實(shí)施了相應(yīng)的教育計(jì)劃,。但是,,落實(shí)到現(xiàn)實(shí)中,,距離金融素養(yǎng)真正的全民普及,除芬蘭等少數(shù)國(guó)家外,,各國(guó)都還有很長(zhǎng)的路要走,。在中國(guó)國(guó)內(nèi),金融素養(yǎng)教育也是一個(gè)新興領(lǐng)域,,直到2018年,,中國(guó)才擁有了第一份領(lǐng)域內(nèi)規(guī)范性文件《中國(guó)財(cái)經(jīng)素養(yǎng)教育標(biāo)準(zhǔn)》,但目前也僅僅只是一個(gè)框架而已,,遠(yuǎn)遠(yuǎn)沒(méi)到實(shí)施普及的程度,。

2010年,盧薩爾迪就年輕人對(duì)金融知識(shí)的掌握開(kāi)展了一項(xiàng)研究,,她發(fā)現(xiàn),,回答體現(xiàn)金融素養(yǎng)的問(wèn)題時(shí),女性更容易答錯(cuò),。只有一小部分人的金融素養(yǎng)較高,,他們大多是年輕男性,家人都受過(guò)高等教育,。

金融知識(shí)的缺乏,,不光會(huì)影響到個(gè)人財(cái)富積累,更嚴(yán)重的是,,如果不懂得自我防范,,可能會(huì)帶來(lái)災(zāi)難性的后果。2008年金融危機(jī)奪取了很多人的未來(lái),,至今,,美國(guó)人中還有相當(dāng)一大部分比例手中流動(dòng)性應(yīng)急現(xiàn)金不足400美元。在中國(guó),,頻頻發(fā)生的大學(xué)生校園貸受騙事件也說(shuō)明了年輕人嚴(yán)重缺乏金融常識(shí),。

“如果在學(xué)校里不教金融知識(shí),有些群體就更難學(xué)到了,,”盧薩爾迪說(shuō),,“他們能去哪學(xué)呢?”

買(mǎi)股票要學(xué)學(xué)泰勒·斯威夫特

在海莉·薩克斯看來(lái),,可以通過(guò)網(wǎng)絡(luò)搜索理財(cái)知識(shí),。她剛找到第一份全職工作時(shí),單位問(wèn)她計(jì)劃繳多少養(yǎng)老金(注:美國(guó)養(yǎng)老金上繳比例由個(gè)人決定,,單位給予相應(yīng)匹配),,“我裝作知道,然后努力去搜索,,但是我能找到的內(nèi)容實(shí)在是太少了,,”她說(shuō),。

搜索知識(shí)時(shí),她才發(fā)現(xiàn)看似微不足道的決定對(duì)未來(lái)個(gè)人財(cái)務(wù)多么重要,。所以她問(wèn)自己:為什么沒(méi)人跟我說(shuō)過(guò)這些,?

薩克斯開(kāi)始大量學(xué)習(xí),繼而開(kāi)始用她和她朋友都能弄懂的語(yǔ)言來(lái)解釋復(fù)雜的話題,。她在YouTube網(wǎng)絡(luò)上開(kāi)設(shè)了頻道,,把華爾街行話轉(zhuǎn)為通俗語(yǔ)言,用流行文化來(lái)解釋金融概念,。

比如,她拿鄉(xiāng)村歌手泰勒·斯威夫特的職業(yè)生涯來(lái)解釋股票,,用名人卡戴珊家族來(lái)說(shuō)明養(yǎng)老金提前繳稅跟退休后繳稅的區(qū)別,,用約會(huì)類真人秀節(jié)目《單身漢》來(lái)解釋投資銀行。

薩克斯在YouTube上粉絲約3000人,,在Instagram上粉絲有12萬(wàn),。她說(shuō):“我想幫助年輕人輕松過(guò)渡到成年期,開(kāi)啟自己的理財(cái)之旅,?!?/p>

最近,薩克斯更專注于個(gè)人理財(cái)內(nèi)容,,她說(shuō)她正學(xué)習(xí)成為合格的理財(cái)規(guī)劃師,,之后就可以向粉絲提供個(gè)人理財(cái)建議。

“互聯(lián)網(wǎng)這代年輕人,,可能是企業(yè)家最多的一代人,,”她說(shuō)?!斑@意味著所有人都要學(xué)會(huì)如何賺錢(qián),,如何管理資金,如何納稅等,。我們一定要給他們知識(shí)的武裝,。”

凱蒂·斯旺森是兩個(gè)孩子的母親,,和其它各年齡層很多人一樣,,她也熱衷于收集打折券,但她最近卻因此成為網(wǎng)紅,,被人稱為“打折券凱蒂”,,在Tiktok上,她的粉絲已達(dá)130萬(wàn),,她巧用打折券來(lái)省錢(qián)的短視頻收到了超過(guò)3600萬(wàn)點(diǎn)贊,。

“很多人告訴我,,感覺(jué)研究?jī)?yōu)惠券是媽媽輩或奶奶輩做的事,從來(lái)沒(méi)想過(guò)可以用優(yōu)惠券填補(bǔ)收入,,”她說(shuō),。

斯旺森承認(rèn),抖音上大部分內(nèi)容都是娛樂(lè),,所以她制作的大部分視頻搞笑的同時(shí)再帶點(diǎn)信息量,。教育和娛樂(lè)之間的界限有時(shí)很難分清,尤其是在視頻最長(zhǎng)只有60秒的平臺(tái)上,。

內(nèi)容質(zhì)量則正是研究者盧薩爾迪最擔(dān)心的部分,。“我們要小心可能忽略了很多實(shí)質(zhì)內(nèi)容,,”她說(shuō),,“不能讓抖音上的人來(lái)教我們個(gè)人理財(cái),應(yīng)該讓學(xué)校來(lái)教,?!?/p>

網(wǎng)紅們的理財(cái)妙招

1.計(jì)算開(kāi)銷:“真人秀《XX的奢華生活》里,我們可以看到過(guò)碧昂絲的生活要花多少錢(qián),。我們也應(yīng)該搞清楚我們自己的生活要花多少錢(qián),。統(tǒng)計(jì)下過(guò)去三個(gè)月的支出,算出我們?nèi)粘I钜ǘ嗌馘X(qián),,然后為自己準(zhǔn)備相應(yīng)的應(yīng)急資金,。”——海莉·薩克斯

2. 長(zhǎng)遠(yuǎn)打算:“不考慮長(zhǎng)遠(yuǎn)打算,,只滿足短期消費(fèi),,這通常不值得。從長(zhǎng)遠(yuǎn)來(lái)看,,200美元買(mǎi)一件襯衫真的值嗎,?我的回答是很可能不值。大多數(shù)年輕人都很短視,,結(jié)果就是,,可能欠下一屁股信用卡債務(wù)?!薄獫h弗萊·楊

3.多多學(xué)習(xí):“要做出各種理財(cái)決定,,我們必須有相應(yīng)的知識(shí)。理財(cái)是很個(gè)人的,,并非所有大眾化建議都適用,。我們需要了解理財(cái)?shù)幕局R(shí),它真的會(huì)給你帶來(lái)收益,。如果你是在學(xué)校上學(xué)的年輕人,,好好讀書(shū),。別錯(cuò)過(guò)學(xué)習(xí)的機(jī)會(huì)?!薄材锐R利亞·盧薩爾迪(財(cái)富中文網(wǎng))

譯者:梁宇

審校:夏林

責(zé)編:雨晨

Humphrey Yang, a 32-year-old e-commerce entrepreneur, spent a recent Saturday night counting 10,000 individual grains of rice to explain the scale of money to teenagers on TikTok.

He wanted to help them visualize $1 billion and provide context about what it means to have that kind of money. His example: Amazon’s billionaire CEO Jeff Bezos, whose net worth was estimated to be $122 billion at the time of Yang’s video.

“Jeff Bezos has 58 pounds of rice if each grain of rice is $100,000. Look at how big that is, guys. That’s insane,” Yang says in the video, as he sticks a keyboard in the pile of rice meant to represent Bezos’s riches.

The project culminated in two viral 60-second videos that garnered a combined 2.2 million views on TikTok, a short-form video app popular with teens. He told Fortune that part of the reason he thinks it resonated with viewers is that it provided “a shocking visual representation.”

This isn’t the first time Yang has posted an explainer on the topic of money. He has videos about Social Security taxes, the stock market, and credit scores. With more than 2.1 million video likes on TikTok, he’s one of a growing number of personal finance influencers gaining prominence and clout on the platform.

Even though TikTok is a platform largely used by teens to post silly dance videos, Yang uses his channel to impart lessons on budgeting, saving, and investing to his 305,000 followers—all in under 60 seconds.

“I’m just trying to capture your attention and give you some information to pique your interest so that you go do the research yourself,” Yang said. “It’s pretty often that I get messages saying, ‘I wish my school taught this.’”

Yang has a point. Twenty-one states?mandate that schools integrate personal finance content into existing classes, such as math, economics, and technology courses. But only six states require that high school students take a stand-alone personal finance course to graduate.

The statistics paint an even bleaker picture. In 2012, the Programme for International Student Assessment (PISA) conducted a worldwide financial literacy study that measured the proficiency of 15-year-olds in applying financial knowledge.

How did American teens perform?

“The average American student doesn’t fare very well compared to the countries and economies that participated in [the global financial literacy study],” says Annamaria Lusardi, an expert on financial literacy and financial education who helped lead the PISA study. “And then when we look at the adult population, the numbers are really frightening.”

Lusardi, who teaches at George Washington University, teamed up with Olivia Mitchell, a professor at the Wharton School, to develop five questions that indicate a person’s financial literacy. For example, one of the questions posits: “Suppose you had $100 in a savings account and the interest rate was 2% per year. After five years, how much do you think you would have in the account if you left the money to grow?”

Only one-third of the U.S. population was able to answer these questions accurately.

“In finance, ignorance is not bliss,” Lusardi says.

Lusardi conducted a study on financial knowledge among young people in 2010, and she found that women were less likely to respond correctly to each of the “Big Three” questions that indicate financial literacy. The small group of young people who were deemed to be financially literate was disproportionately young males from college-educated families.

“If we don’t have financial literacy in schools, some groups will have a lot of difficulty in learning it,” Lusardi says, “because where are they going to learn it?”

To Haley Sacks, the answer to that question was Google. Sacks had just secured her first full-time job when she was asked how much she wanted to contribute to her 401(k). “I sort of faked that I understood it, and then I tried to learn about it and felt really underserved by the content that was available to me,” she said.

In doing research, she realized just how important these seemingly small decisions were to her financial future. So she asked herself the question: Why hasn’t anyone told me about this?

She began learning about it, and to hold herself accountable, she began making content about complicated topics in a way that she and her friends could grasp. Sacks started a YouTube channel called Mrs. Dow Jones where she uses pop culture to explain thorny financial concepts to an audience that doesn’t understand Wall Street jargon.

Sacks has used Taylor Swift’s career arc to explain stocks, the Kardashians to show the difference between a 401(k) and a Roth IRA, and The Bachelor?to liken finding love on TV to investment banking.

Sacks, who has roughly 3,000 followers on YouTube and 120,000 on Instagram, says, “I want to help ease the transition for young people into adulthood and onwards for their own financial journey.”

Lately, Sacks has leaned heavier on the personal finance content, adding that she’s currently studying to become a certified financial planner so she can go a step further and give her followers actionable advice.

“With Gen Z, we’re going to see the biggest generation of entrepreneurs,” she says. “That means that all those people are going to have to learn how to pay themselves, manage their money, and pay their taxes. We just have to arm them with information.”

Katie Swanson, a mother of two, has become a full-blown celebrity on the platform for a hobby that’s been popular across generations: couponing. Known as “Coupon Katie,” Swanson has amassed 1.3 million followers on TikTok, and her coupon-clipping videos have received more than 36 million likes.

“A lot of people tell me that they thought couponing is something their moms or grandmothers did, but they never thought that they can actually supplement an income with it,” she said.

Swanson admits that TikTok is consumed largely for entertainment, so most of her videos are a mix of “silly and informative.” The line between education and entertainment can be a fine one, especially on a platform that only allows videos that last 60 seconds or less.

The quality of the content is precisely what researcher Lusardi worries about. “We have to be careful because you can lose a lot of the substance,” she says. “We cannot leave it to the people on TikTok to teach personal finance. This is a topic that belongs in school.”

Three tips for taking charge of your finances:

Figure out how much it costs to be you: “We all used to watch the show The Fabulous Life of…, and you learned how much it cost to be Beyoncé. You have to do that for yourself. Print out the last three months of your spending, and figure out how much it costs to be you. That will inform how big your emergency fund needs to be.” —Haley Sacks

2. Forgo instant gratification: “Short-term satisfaction is usually not worth the sacrifices you make long-term. Is buying that $200 Supreme shirt really worth it in the long run? My answer would probably be no. The majority of young people are too shortsighted. As a result, they might get themselves into credit card debt.” —Humphrey Yang

3. Invest in knowledge: “Knowledge is that essential ingredient that allows people to navigate all sorts of financial decisions. Finances are personal, so these very generic tips and suggestions sometimes do not apply to our very specific cases. We need to gain that basic knowledge because it really does pay high interest. If you’re a young person in school or college, get educated. Don’t miss that opportunity.” —Annamaria Lusardi

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