Can we get a vacation house like Tommy’s family has?
In this case you could say everyone spends their money differently based on what they think is important. For your family that may be having a home, as well as money for toys, vacations and college.
It’s unlikely a third-grader appreciates the true cost of a bigger budget item such as a second home. Help contextualize it by having your child list things she might want—new toys, dinner at her favorite restaurant, a vacation—and then write down what they cost. Next you can note the cost of a summer home. By comparing those figures, you give your child a sense of how a big purchase could limit her ability to have those things. The exercise can help kids think about prioritizing spending and identifying the things that they value.
我们能有一个像汤米家一样的度假别墅吗？
这种情况下，你可以说人们不同的消费方式取决于她们认为什么才是重要的。对你的家庭而言，重要的可能是有一个住处，或者把钱用在玩具、度假和大学上面。
一个七八岁的孩子不大可能理解需要大笔预算项目，比如置办第二个房子的实际花费。把它放在孩子的愿望清单里做对比——新玩具，在最爱的餐馆就餐，一次度假——分别列出它们的费用。然后你把避暑别墅的价格写上。通过这些数据的对比，你提供给孩子一个自己想要东西的购买力限制范围。这种练习可以帮助孩子思考消费的优先顺序和评估自己的消费能力。
