The spending power of young people varies from person to person. Each, however, is faced with the same question: what to do with their money? Some handle this less well than others. Recent headlines have seen more and more teens maxing out their parents' credit cards on games or other online activities.
In contrast to these big spenders, there are also tens that prove age is no barrier to making good use of money. With the help of her grandmother, eight-year-old Khloe Thompson started making“Kare Bags" for the homeless people in her district. Inside the bags are necessities such as toothpaste, soap and socks, bought first with her pocket money and then through crowd funding. These items helped to make the lives of poor and homeless people a little bit easier On receiving a Kare Bag, one woman said,"You make me feel like a human being."
However people intend to use their money, managing it seems to be unprecedentedly important to younger generations. A 2016 study said 17 states of the US require high school students to take courses in personal finances. For those
values翻译
who have no access to courses, help might be at hand thanks to Jerry Witkovsky and his method of using four jars to teach teenagers how to spend their money wisely.
When Jerry's grandchildren turned 13, his present to each of them was three jars: one for Spending, one for Saving, and another for Giving - he has since added a fourth jar for Investing. It was from then on that his grandchildren started to be in control of what to do with the money they receive: spend, save, invest or give? Jerry's birthday present to his grandchildren is, however, much more than money and a few jars - he is giving them the opportunity to learn lifelong values.
The value taught with the Spending jar is that you are responsible for your own happiness. Money gives you independence and the opportunity to buy something you like. After all, it's OK to be nice to yourself!
While the Spending jar is about the here and now, the Saving jar gives you a vision for the future. This could involve saving for university, but it could also mean saving
for that special something you've seen in the stores - it's up to you.
The Investing jar not only represents a vision for the future, but gives the opportunity to build for the future. Although this could likewise involve putting aside money for your university education, it also means investing in yourself.
The Giving jar is all about kindness and helping. Whether you want to help out a friend, give money to an animal charity or to children in another country, it's your money to give to whatever cause you believe in.
The wider aim of the jars is to encourage teenagers to think more objectively about money and the things that it can do, so that they grow up understanding, if you like, the value of the valuable. In this way, they will be better equipped in their adult lives to make informed choices about how they use the money they have. Indeed, the small change inside their jars could mean a big change in how they manage their money.
珍贵的价值
年轻人的消费能力因人而异。然而，每个人都面临一个同样的问题: 该如何对待自己的钱?有些人并不那么擅长理财。最近的新闻头条中报道了越来越多的青少年刷爆了父母的信用卡，将钱肆意挥霍在网络游戏或其他网络活动中。
与这些花钱大手大脚的人相比，也有一些青少年证明了年龄并非善于利用金钱的障碍。年仅八岁的科洛·汤普森在祖母的帮助下，开始为她所在区的流浪者们制作“爱心包包”。包里面装着一些生活必需品，比如牙膏、肥皂和袜子等。最初购买这些物品用的都是她自己的零花钱，后来则是通过众筹购买。这些物品让贫穷和无家可归的人生活得稍微轻松了一些。在收到“爱心包包”时，一位女士说:“你让我觉得自己活得像个人。”
无论人们打算怎样使用自己的钱，理财对于年轻一代来说似乎变得前所未有地重要。2016年的一项研究表明，美国有17个州要求高中生修个人理财的课程。对于那些无法接触理财课程的人来说,多亏杰里·维特科夫斯基和他的理财方法——他用四个罐子教青少年如何智慧理财。
当杰里的孙子孙女们年满13岁时，杰里给他们每个人的礼物都是三个罐子：一个用于消费，一个用于储蓄，另一个用于给予——之后他还增加了第四个罐子，用于投资，从那时起，他
的孙子孙女们就开始自己掌控如何处理所得的钱：用于消费、储蓄、投资还是给予他人？然而，杰里送他们生日礼物的价值远远不止金钱和这几个罐子——他为他们提供了终身树立正确价值观的机会。
“消费”罐子传递的给值是，你要为自己的幸福负责。金钱让你独立，并给你购买自己所爱之物的机会。毕竟，对自己好一点是可以的!
“消费”罐子关注的是眼前和当下，而“储蓄”罐子则为你提供了未来的愿景。它可以是为大学教育准备的存款，也可以是为自己在商店里看到的心仪之物而攒的钱——这都取决于你。
“投资”罐子不仅代表着对未来的愿景，还为未来的发展提供了机会。虽然它同样包括为大学教育而把钱存起来，但它同时还意味着对自身的投资。
“给予”罐子其实就是指善良与帮助。无论你是想要接济朋友，为动物慈善机构捐款，或是救助另一个国家的孩子，这都是你的钱，你可以把它捐给任何你相信的事业。
介绍这四个罐子，更深远的目的在于鼓励青少年以一种更客观的方式思考金钱以及用钱能做的事情,让他们在成长的过程中逐渐理解重要事物的真正价值。这样，他们在步入成人社会时
才会更加得心应手，并且能够对如何管理金钱做出明智的选择。事实上，热门罐子中的细微变化可能意味着日后他们理财方式的巨大变化。

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