So I want to start by asking a question, and I want you to take a second to think about this. Do you know how many pro athletes after stepping（走） off the field have a strong financial future? If you thought the number was greater than 75 percent of them struggling（ 努力） financially（ 财政上）, that is true. 78 percent of pro athletes go broke in two years. These are athletes who earn over a million dollars a year. Alan Iverson, who had a career earning（所得） of $200 million, declared（断言） bankruptcy（破产）.

  What this shows to highlight is two things. One is financial well（井）-being（存在） and financial future is not defined by how much money we make（使）. It's about the habits and the traits（特性） we learn（学习） that enables（使能够） us to build these strong characteristics. In US schools, less than 30 percent of them teach financial literacy（读写能力）, and globally（世界上） this number is only 33 percent. So what this goes to show us in underscores（强调） is financial literacy（读写能力） and financial education really happens at home, and what we need to do to teach our children and our family and the communities that surround（围绕） us. So when my son was eight years old, he wanted to buy shoes before school starts.

  So he was clear that he only wanted Reebok shoes. So we went to the store and he picked up a pair of shoes that he really liked, and he came and showed me the box, and the box showed $80 or more for the shoes. At that point, I thought it was a bit too much for an eight-year-old. So I told（ 告诉） him that when I left home, my budget（预算） was $40, and anything over $40 was going to come out of his pocket. So he thought about it and went and put the shoes back. Then he picked up another box, and you can start to see the wheels turning in his head, $60 shoes.

  You know, he's really going to spend 20 bucks（<美口> 元） for this. He puts it back, $50, maybe not. He puts it, he comes back and asks me and says, "Can we go to another store?" I was like, "Sure." So we went to another store, another one, another one, and then another one. Well, this was the last Nika store left in the mall. And we walk in and he finds（找到） shoes, they're $39.95.

  He's very happy with them, and so am I. I do confess（供认）, I paid taxes on this one. So he was under budget. The thing that it underscores is, by teaching them through practice, practice and practice is how decisions are made. When I was in elementary（基本的） middle school, I grew up in India. My mother would send us down the street to go buy vegetables for the house.

  There were two choices to make. Of course, I had to stay on budget with how much money I had, but that wasn't the hard part. The hard part was for me to decide which vegetables I was going to pick. Because the ones that were easy to pick were the ones that I didn't like to eat. So there's always this conflict（争论） on which vegetables I was going to pick to go home and eat it later in the day. So when we think about this, many of us have probably experienced this or seen this happen in a store.

  You might have had a child have a meltdown（彻底垮台） or a tantrum（发脾气） when you're going to the store or seen another kid being extremely frustrated（失意的）. It leads to a lot of frustration（挫折）, anger（怒）, somewhat（有点） embarrassment（窘迫） as well for us. But look at it from the child's point of view. They come with you to the store. You don't usually tell them why you're going to the store. You walk down the aisle, pick up a bunch（束） of stuff, swipe a piece of plastic, and voila, all the stuff comes home with you.

  And when they ask you at the same time, "Can I buy this? Can I get that?" Our answer is usually, "No, I don't think you should get that. I think it's expensive." So then they start to wonder, "Are we rich? Are we poor? Like, what does this mean to us?" So the next time you go to the store, one option is to enable them to make decisions. A quick show of hands. How many of you have ever packed a school lunch for a child? Oh, a lot of you. You know, that is the part that I dread（惧怕） most when school opens.

  It's not the exams.