Feelings are just pediatrics

Chapter 121

Little Wang Wang was a clever and cute child since she was a child. Her emotional personality inspired her artistic cells early on. For this reason, Xinyu sent her to learn piano when Jiahui was four years old. In addition to helping express her inner emotions, she also Laid the rhythm foundation for the child.

Xin Yu quite believes that scientists say that learning music for children can develop brain development and help improve children's intelligence, especially in mathematics.

After growing up, little Wang Wang began to devote himself to the world of painting. Hongyu's mother, who almost became an architect, is naturally an expert in painting. Under her guidance and teaching, what the little guy likes to do most during the holidays is to be with him. My mother went abroad to paint various famous buildings in the world.

From the flat and colorful floor plan, to the simple architectural composition that can be drawn at the age of ten, her talent in space and geometry makes Xin Yu's mother, who is full of hands and can hardly carry the shopping bags, throw away all the bags immediately , Pick up the picture in front of you and look at it carefully.

When Jiahui was 11 years old, that is, in the fifth grade, the parents began to pay attention to cultivating her talents, and hired a tutor who was majoring in physics at the university to learn some things that she didn't need to learn at her age. advanced mathematics and physics.

Originally, she only had the mentality of testing the waters, but she did not expect the little guy to learn unexpectedly well. Although her academic performance in school, which emphasizes the development of general subjects, is still quite satisfactory, she gradually looks like a little prodigy in the field she is good at.

And after the age of ten is a huge watershed. At this time, girls begin to grow rapidly, and while they are trying to grow up physically, their psychology begins to move closer to the world of adults.

The first step in their efforts to be self-reliant is to try to break away from the discipline and control of their mothers, demanding their privacy and even autonomy.

In this regard, Hongyu held the mentality of doing good, and when her daughter asked Wang Wang to hand over the spare key of her room, she still had a smiling expression, and said in a gentle voice: "Then if you are locked out in the future and need to call the locksmith, All fees will be deducted from your pocket money, deal?"

The stingy little guy said sharply, "This is your house, mom, so mom should pay for it."

Hongyu was still smiling, and patiently explained to the child: "Jiahui, this is what mother wants to teach you. Freedom comes with a price. This price is called responsibility. You asked to take all the keys of this room away. Then you have to pay the corresponding price, and according to your request, I think it is appropriate for you to take full responsibility."

After three days of careful consideration, Jiahui finally decided to take over this responsibility. Xinyu and Hongyu saw the little guy carefully checking whether he had brought everything with him every day, and felt a feeling of "my daughter has really grown up".

As enlightened mothers, they negotiated with their well-behaved daughters who grew up day by day, and gradually lifted some life rules that were established before but are no longer applicable now, and strive to let the baby grow up slowly in a free and happy environment.

On some important principles, for example, school-aged girls are restricted to go home at [-] o'clock every night, and they must report to their mothers when they go out, etc. These rules will never be compromised.

Although they gradually let go, they still carefully observed the changes in their children.

This "little child prodigy" has an amazing talent in mathematics and is also very interested in Xin Yu's old profession. Xin Yu thinks it is good to learn more knowledge. In her spare time in the afternoon, she will take her children to learn about economics Growth, why the stock market fluctuated after the Fed adjusted interest rates, why individual stocks fluctuated due to the disclosure of financial reports, etc.

The little guy looked at Mommy's screen with great interest, trying hard to learn things that did not belong to her age.

She became very interested in investing, and at Mami's suggestion, she tried to read financial publications.

In the reading report she submitted to Mommy, she summarized the characteristics of these publications. The first is to report what big news happened in the world that will affect the economy, stock market and foreign exchange market. Analysis can make up your mind to make an investment.

She didn't quite understand the importance of the latter point.

Xin Yu patiently explained to her the first lesson of basic economics: limited resources and opportunity cost.

Mommy’s original words are: When you have limited resources in your hands, you should carefully choose the investment that suits your risk-taking ability, try to choose the option that can maximize your benefits, and be forced to give up other options because of limited resources .

This is why everyone needs or wants to listen to other people's opinions before making an investment. This is a prudent practice that everyone recognizes. Although these people's opinions are not necessarily correct, you need to choose carefully the sources of information you trust. .

Xiao Wangwang scratched her round head, looking at her life circle, there are only two people who can give her reliable investment advice, one is Mommy, and the other is the big boss Yunjie's godmother.

During the mid-year holiday in the fifth grade, she first asked her godmother about the investment projects she was optimistic about. Among the many products, Yunjie was more optimistic about investing in the stock market, and her mother also said the same answer.

Now the child is more confident. After discussing with her mommy, mommy agreed to lend her 1 yuan to buy a trading open-end index securities investment fund based on her repayment ability.

Mother and daughter should also settle accounts clearly. As soon as the money was received, Xiao Wangwang immediately took a big lesson called "repaying interest" and "saving is really important".

In the past, the mothers often talked about how she always used her pocket money to buy sweets, but now there is no need to complain. Under the smiling eyes of the mothers, Xiao Wangwang can only pout sadly, vowing to tighten her belt Just hurry up and live.

Wang Wang was still gloating from the sidelines: "We are doing this for your own good. You have entered adolescence, and eating too much sweets is easy to gain weight. At that time, you still have to lose weight. How miserable it is. It's better to act first."

Looking at the big villain who has been changed from the big Wangwang to the old Wangwang in his heart, Jiahui curled his lips, not wanting to say a word to his naughty mother at all.

The investment went smoothly, and it has been making money for the first three months. The little money fan pays attention to the financial news every day, and uses the calculator to calculate how much his assets have increased.

When she was earning four figures, Mommy and she sat in the study and discussed whether to arbitrage and pay off the debt now, or put the money back into the market?

The little guy who made money was obviously a little carried away, and she subconsciously felt that of course she had to continue to invest the money so that she could make money quickly.

After confirming with her again and again, Xin Yu finally pressed the advice that came to her lips and chose to let the baby make the decision.

The little guy is still too immature, she doesn't know that the stock market is a place that changes rapidly, when she worked hard and got good grades in the year-end exam, what was waiting for her was not that her mothers took her to eat cake to celebrate, but that she was bankrupt Amazing news.

Yep, she's broke at only 11 years old.

"What? I don't understand." The little guy raised his head to look at the opposite mommy for help, and then turned his head to look at the old Wang Wang sitting next to him, with a very bewildered expression.

This appearance of wanting to cry but not knowing whether to cry or not made the mothers' hearts tug together.

Xin Yu calmed down and hardened her heart. Although she and Hong Yu were reluctant to let the baby suffer such a huge blow, they both agreed that the baby who is addicted to investment must experience the bitter taste of investment failure.

After all, this is a part of life. We can make the best plans and fantasize about the best future, but we must also be prepared to accept the most complete failure.

Of course, the child is still so young, and the mothers will hold her hand and walk through this failure step by step.

Xin Yu cleared her throat, and said as gently as possible: "The exchange-traded open-end index securities investment fund you bought caused you to lose money, not only the 1 yuan principal I lent you, but even though I I helped you get rid of it as soon as possible, but you still owe 540 three Singapore dollars in debt, that is to say, your current total debt is 540 three Singapore dollars."

The little guy lowered his head deeply, clasped his little hands together and writhed uneasily. She realized that this was what Mommy had told her before, investing must have foresight and luck, and you must calmly face the situation of profit and loss, while What she faced was the worst-case scenario.

She lost everything she had, and even owed money she couldn't afford to pay back.

When Mami estimated her risk tolerance before, she used her bank book and piglets as collateral, but now these two things are on the table.

Mami whispered to Xiao Wangwang who was crying with her head down: "As a creditor, these two assets of yours belong to me now. After deducting these two assets, you still owe me S$830, what do you plan to use to repay it?" ?The dolls in your collection should be worth a lot of money in the second-hand market. I can give them an estimate, but because of the risk of not being sold, I can only give you a relatively low price, maybe even a quarter of the cost None."

Hearing this, he was about to be forced to say goodbye to his beloved toy that he had collected for many years. The little guy really couldn't take it anymore, and threw himself into the arms of the old Wang Wang and cried into tears.

Hong Yu hugged the baby's small body tightly, patted her back lightly with his palm, looked up at Xin Yu, winked at her and said, "Let's do this today!"

Xin Yu nodded, picked up the things that belonged to her now, and left the living room.

That night, because the baby could not bear such a heavy blow, he was extremely depressed and cried all night. The only consolation was that his mother was always by her side to accompany her.

After dawn, she still had to face this terrible reality.

Seeing Bao Bao so pitiful, Xin Yu made a concession. She asked Bao Bao to sell her beloved dolls online, and only when she got the money did she pay off the debt.

She spent a long time in the room, and only picked out five dolls that she was willing to sell, leaving the mothers dumbfounded for a while.

Seeing how she was biting her lips and about to cry, Xin Yu quickly suppressed her laughter, walked over to hold her daughter tightly, kissed her little face, and told her, "Well, the way of selling assets is no longer feasible, now Mom Mi wants to teach you some ways to pay off your debts earlier."

The little guy raised his head hopefully, and looked at Mami as if looking at a life-saving straw: "Is there a way for Mami?"

Xin Yu nodded, took the baby to the study, and went through the "bankruptcy procedure" for her.

"Now you have sold all your cashable assets, but your debts are still higher than your wealth, so you are declared bankrupt. The court will set a deadline for you to pay off your debts as soon as possible based on your income. And in order to pay back the money, it means that your life will not be so good, for example, there will only be enough pocket money left to fill your stomach in school, and you will not be able to buy snacks in the future."

Little Jiahui's tolerance seems to have improved a little bit. Compared to bankruptcy, it's really nothing without snacks.

Xinyu gave Jiahui some ideas for making money, and suggested that she become a hardworking baby and help her with housework that she rarely did before, such as helping mothers wash their cars. Be her pocket money, or give massages to tired mothers, and you can also get tips.

After the child turned her grief into strength, she successfully saved an additional 500 yuan in the first month, which made her very happy.

Seeing her daughter living in a favorable environment finally realize how hard it is to get money, Xin Yu fondled her head, kissed her forehead, and took out a 50 yuan bill from the money handed over to her by the child, Handed it back to her: "Good baby, it's a school holiday after all, you haven't asked Huiying to go out for a long time, go to the movies with her and eat some cake."

The little guy looked at the money in his hand, and frowned: "Watching movies and eating cakes is expensive, so I used up one-tenth of the money I saved so hard. Mommy, why is it so difficult to make money and so easy to spend money?" ?”

After hearing this, the two mothers laughed uncontrollably.

This is a big truth.

Xin Yu gently rubbed the frown for the baby, and softly said an important truth that Jia Hui will understand many years later: "Then you do some business that makes people spend money, and let others be in your business." Spend money here."

Now the little guy can only squint at his mother half-understanding.

After the godmothers heard about the inhuman treatment she suffered, they never forgot to give her a big hug and comfort her when they saw her.

Among them, Yunjie's godmother is the most guilty, especially when the children are still worried that she will lose a lot of money.

How could she have the nerve to tell her children that her investment advisor had transferred her money into the profitable foreign exchange market before the stock market plummeted?

Looking into the pure eyes of the child, Yun Jie promised herself in her heart that she would prepare a very good gift for little Wang Wang this Christmas.

Before Yun Jie went to pick out the presents, the little guy asked the godmothers in the group with some embarrassment, can Christmas presents be discounted?

Cash-strapped, she now prefers hot cash.

Sijing took a screenshot of this sentence and sent it to the group of girlfriends, and everyone named Wang Wang a "Century Abuse. Child Tragedy", and condemned the unreliable old Wang Wang for being too cruel.

At nine o'clock, I wanted to have sex with my wife. Old Wang Wang was trying to seduce her wife, so he didn't see it.

Xin Yu pushed Lao Wang Wang's head away with a smile, and explained forcefully in the group: "We are training her mental endurance. She will face the PSLE ​​exam next year. I believe that after this failure, She will be more calm in the face of the exam."

Xin Yu's fallacy seemed unreliable at all, but in the end it succeeded unexpectedly.

Having experienced a major failure and realized that all material things are hard-won, the little guy has worked harder, cherished the opportunities and money he got, and his personality is no longer so delicate, and he knows how to deal with difficulties calmly.

This "bankruptcy" experience made her, who wanted to leave her mother's wings immediately, learn to be considerate of their mothers' painstaking efforts, and is willing to listen to their suggestions. Although the relationship between the three mothers and daughters is inevitable during the most difficult adolescence, friction is still very strong. close.

And the so-called "lost money" at the beginning, plus the money from "selling assets", and the money from "repaying debts" later, have actually been lying safely in a relatively stable ten-year bond. In 21, Xinyu and Hongyu gave the money they earned to their beloved daughter as an adult gift and future entrepreneurial funds.

Not only that, the mothers also put back the five dolls that she reluctantly gave up back then.

Over the years, in order to always remind her that she has to endure hardships, Jiahui has always left the wooden shelf in her room where the dolls used to be, and the mothers have always been watching.

Jiahui looked at the dolls that had finally returned to her arms with red eyes, seeing that they were well preserved, she knew that the mothers had helped her take care of the dolls all these years.

Although she doesn't play with or obsessed with dolls now, she is still very moved.

Jiahui turned around, stepped forward and hugged the two mothers, kissed each of their cheeks, and said from the bottom of her heart: "Mom, Mommy, I love you."

"We love babies too," said the mothers in unison.

The author has something to say: Well, I like Xiaowangwang very much, and I need to match her with a good person, don't you agree?

There are too many new articles I want to start, I have to read them carefully, the next one is definitely "Falling in Love with the Richest Sister", please bookmark it!

The movie queen and the proprietress also decided to open a separate book to take over from the richest lady, first finish writing the old aunt, and then we will write about the children~~

Everyone, come with me to the end of the world!