托福写作高分范文：人们应该在小时候学习理财吗？

新东方在线托福为大家提供托福写作高分范文、万能理由、写作流程、字数要求等，今天给大家带来的是托福写作高分范文：人们应该在很小的时候就学习如何理财 吗？希望对大家托福写作有所帮助！

托福写作题目：

Do you agree or disagree with the following statement? In order to become afinancially responsible adult, people should be taught how to manage money atan early age.

优秀范文：

　　Money is such a controversial topic that even adults are labeling it as a private matter. In spite of this, the reality in today's money-oriented society urges everyone to struggle for desirable incomes. Just as the popular saying goes, "Money isn't everything, but humans can never do without it." Faced with the increasingly powerful domination of money, people ought to take precautions as early as possible so as not to become slaves of wealth. Thereafter, in order to be financially responsible stewards, young children deserve to be given instructions on money management.

　　First of all, managing money makes children realize the importance of thrift. "A penny saved is a penny earned." Saving money is a good habit that needs to be formed at an early age. If children are instructed to save their allowances, they may naturally wonder about the reason to do so. After learning the fact that money is earned through the hard work of their parents, they will no longer waste money on purpose from then on. It paves a way for them to become rationalconsumers and intelligent investors in the future. Even today, I still have a little piggy bank by my side. It is a gift from my uncle. In my childhood, I used to put all my pocket coins into it. With the passing of time, such a habit continues and is to be continued. After all, frugality is an essential quality in a financially responsible adult.

　　On the other hand, managing money helps children learn how to use it properly. Saving for future uses is a highly cherished value nowadays. With a goal in mind, they may enjoy the process of saving and are convinced that it is absolutely worthwhile to have a plan and wait until the goal is achieved. Besides, saving allowances may also give children a strong sense of fulfillment when they can buy something through their own efforts. To illustrate, my little nephew could be mentioned. He had always dreamed of obtaining a model plane. His mother asked him to save enough allowance money before he could buy it. At last, he succeeded and his dream model is now in his possession. Anyhow, saving money for a goal is a meaningful experience.

　　Last but not least, being allowed to control money, children are granted the opportunity to hold objectiveattitudes toward wealth and form correct life values. Parents may take advantage of the money-managing process to let them know that money should be obtained through one's own efforts. A waste of money is to be strictly prohibited. In addition, children may also be taught to donate a little portion of their money to those who are in need. These are all treasured values in a qualified member of society.

　　To sum up, children deserve the right to manage money. Traditional financial concept should be converted to teach them in today's market economy. It is high time that wise parents should drawup measured plans and teach their children to mange money. After all, these efforts will pay off sooner or later.

中文翻译：

金钱是一个颇具争议的话题，甚至成年人都把它当做隐私。尽管如此，当今金钱社会的现实促使每个人都为理想的收入而奋力拼搏。正如一句名言所述，“钱不是万能的，但没有钱是万万不能的。”随着金钱的控制力越来越强，人们应该尽早预防以免自己成为财富的奴隶。因此，为了成为有经济责任感的管家，孩子们应该得到理财方面的指导。

首先，管理钱财能使孩子们意识到节俭的重要。“省一文等于挣一文。”省钱是从小就应该养成的好习惯。如果大人指导孩子们将零用钱存下来，他们会很自然地思索其原因。当了解到钱是通过父母辛勤工作挣来的这个事实时，他们从此就不会再故意浪费了。这就为他们在未来能够成为理性消费者和智慧投资人铺平了道路。直至今天，我仍然保留着一个小猪存钱罐。那是叔叔送给我的礼物。小时候，我曾经把自己所有的零用钱币放在里面。随着时间的流逝，这个习惯一直持续着，而且也将持续下去。毕竟，勤俭节约是有经济责任感的成年人的基本素质之一。

另一方面，管理钱财有助于孩子学会如何合理使用金钱。为未来所需而攒钱是当今高度推崇的理念。心中有了目标，孩子们也许会喜欢存钱的过程，并且坚信制订一个计划直至目标达成是绝对值得的。此外，当通过自己的努力买到某个物品的时候，这些攒下的钱会给孩子一种成就感。我的小外甥就是一个好例子。他一直梦想着拥有一架模型飞机。他的妈妈让他积攒足够的零用钱以后再买。最后，他终于成功了。如今他已经得到了梦想中的模型飞机。不管怎样，为一个目标存钱是有意义的经历。

最后，得到控制钱财的许可使孩子们有机会对财富持有客观的态度并形成正确的人生观。家长可以利用理财的过程让他们懂得，金钱是通过自己的努力挣来的。浪费金钱应被严格禁止。此外，孩子们还能学会把自己的一部分钱捐给需要的人。这些都是合格社会成员必备的珍贵品质。

总之，孩子们理应获得管理钱财的权利。传统的理财观也可以在当前市场经济形势之下用来教育他们。明智的家长们是该制订出慎重的计划以教导孩子理财观念了。毕竟，这些努力早晚定会有所回报。

注释：

controversial topic 颇具争议的话题

private matter 隐私;私事

steward n. 管家

thrift n. 节俭;节约

allowance n. 零用钱

wonder about... 对……感到疑惑

on purpose 故意地

rational consumer 理性消费者

piggy bank 小猪存钱罐

pocket coins 零用钱币

with the passing of time 寒来暑往

frugality n. 节俭

absolutely adv. 绝对地

model plane 飞机模型

anyhow adv. 无论如何

hold objective attitudes toward... 对……持有客观的态度

take advantage of... 利用……

donate vt. 捐款

convert vt. 转变

draw up 制订

pay off 得到很好的效果