a valuable experience. but ask, 'have you given any thought to your plans after that?' you want them to look a little more in the future than just immediate gratification."

　　“倾听是最重要的，” 佛罗里达州普兰泰申的托比亚斯财务顾问公司总裁本?托比亚斯说道。如果儿女想加入美国和平队，而不是找一份更传统的工作，“找出原因，而且记住，花两三年做点事情是宝贵的人生经历。但要问问，‘你有没有想想这之后怎么办？’你想要子女们多想想未来，而不是暂时满足。”

　　"it's like the facts of life talk with our kids; no one wants to have it, but you have to do it," says eleanor blayney, consumer advocate for the certified financial planner board of standards. "people worry that if they sit down with mom or dad, it will be awkward or difficult. but it's important to open up about your goals and aspirations, and then ask people in the family what their situation is. you model the conversation by sharing where you are."

　　“这有点像跟孩子讨论性知识，没人想这样，但你必须得做。” 注册金融策划师标准委员会的消费者权益倡导者埃莉诺?布莱尼说道。“人们担心坐下来和父母谈话很尴尬很艰难。但是坦诚地说出目标和愿望很重要，之

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