They say the apple doesn’t fall far from the tree, so make sure you’re not enabling your kids' irresponsibility by doling out the cash. If they don't learn to manage money, it may cost them their future.
人们常说，有其父必有其子，所以有计划地给孩子零用钱，以免孩子在用钱方面没有责任感iCruYMzvUbLUeF1&y+_g。如果他们不学会理财，将来会付出代价VS,xxQzUn;cz6hVZTtn。

You Will Need
你需要

Discipline
纪律

Allowance
零用钱

Planning skills
计划技巧

Budget
预算

Savings account
储蓄账户

Prepaid debit card
预付借记卡

Sound investment strategies (optional)
合理的投资策略（可选）

Steps
步骤

STEP 1 Model behavior
1.以自己的行为作榜样

Model the behavior you desire. Get your house in order and discipline yourself before you curb them, so that your advice and counsel has credibility.
你想孩子有什么样的行为，以身作则-=[bL_D6.*^。开始约束他们之前，把房子整理得井然有序，严于律己，这样你的建议和忠告才有说服力YlmvkPuKgTB-n&6|。

STEP 2 Say no
2.说不

Say no to your teen. Many parents lack the gumption – don’t be one of them.
向你的孩子说不hI1G6vIp4]6br。许多父母缺乏进取心——不要成为他们中的一员8t&yFJJT%Jt-RHfW(。

STEP 3 Control their spending
3.控制支出

Help control your teen's spending by educating them about wants and needs. Allowing them to have a credit card only temporarily forestalls the conversation about responsibility.
帮助孩子控制支出，教育他们学习欲望和需求的不同90#.-y=gbaFq。允许他们暂时拥有一张信用卡，预先进行关于责任感的对话hfa1&^Afn_gZN^w%。

STEP 4 Use allowance
4.使用零花钱

Use allowance as a tool through which they can experiment with their own money, allowing them to suffer the consequences when money is wasted. The results will be priceless.
用零花钱作为一个工具，让孩子用自己的钱亲身体验，让他们承担钱被浪费掉的后果Z*b)cL9OXw|cY。所取得的结果将是无价的HnLiw#Pl*G9NQu|L~。

Many financial companies offer services for monitoring your teen’s credit card account.
许多理财公司提供监督家中青少年信用卡账户的服务V0FJ1UQ13Yo%xOtcZHW。

STEP 5 Teach planning
5.教他们制定计划

Teach them to plan, which may include getting a part-time job to purchase desired objects.
交给他们制定计划，或许包括为了购买渴望已久的物品而做兼职工作HDs9z-^5*.Q[LZu*。

STEP 6 Help them make a budget
6.帮助他们制定预算

Help them develop a budget, teaching them to acknowledge each expenditure and to organize their basic material desires.
帮助他们制定预算，教给他们确认每一项花费，组织基本的物质需求*b3!U.[BE1E-HQiv。

STEP 7 Set saving goals
7.制定储蓄目标

Set goals for a savings account aimed at future needs like college, trips, and marriage. Agree to reinforce this with small matching contributions on your part.
制定储蓄账户目标，用于将来的需求，例如大学，旅游和婚姻7hV,dvISLk19,rA!Z。自己也可以做出相应的贡献，使该目标得到强化Sv[68|&ucx+&tY-。

Teach sound investment strategies to your teen, or have someone who knows what they’re doing help.
教给孩子合理的投资策略，或者让知道自己在做什么的人帮忙GhF.y#hgxdLEsq。

STEP 8 Allow a pre-paid card
8.允许他们持有预付卡

Allow the teen to have a prepaid debit card instead of a credit card. There is no government bailout authority that will reinforce poor money management for your family.
允许孩子持有一张预付卡，而不是信用卡@fO(-%@!mi1。没有任何政府救援机构会帮助你的家庭处理糟糕的财务管理状况q]FqKlX@y9Z~B。

By 2008, over 91 million U.S. households had at least one credit card.
截止到2008年之前，超过9100万美国家庭至少持有一张信用卡MAWvHDzP%*;u+m8X!TIV。