前两天，
我跟娃儿聊起了他的教育基金。
我跟他说：
“Baby，你现在资产大概有2000。
如果按照百分之七，
未来大概会变成这个钱。
百分之八的话，
是这个数。
百分之九，
是这个数。
百分之十的话，
就是这个数。”
我还在怀疑，
我说的这些，
他到底听没听懂。
结果，
他已经默默在笔记本上，
朝着百分之十最高的那个数字，
画了一个箭头。
然后写下了一个词：
Goal（目标）。
这一操作直接把我给惊呆了。
⸻
我问他：
“所以你现在打算放多少零花钱到教育基金这边？”
娃儿说：
“我不懂这个，
你帮我决定吧！”
我回答：
“那下次决定转过去多少前，
我会提前告诉你。”
“好。”
娃儿回答。
⸻
那一刻，
我突然发现，
他心里其实是很放心妈妈的。
不是担心妈妈会把他的钱弄爆炸掉（不见）
而是很自然地觉得：
妈妈会帮我做最对我最有利的决定。
⸻
做完牙齿痛到睡不着，于是早上联系了看牙医急诊。
因为情况比较紧急，
而且又是星期天，
等不到正常牙医开门。
拍了X光以后，
知道没什么大问题，
心里总算放心了一点。
后来，
医生建议拔牙。
说拔了以后就没事了。
问了价格以后，
我决定先等等。
明天再看看，
能不能约到保险可以报销的牙医。
⸻
回来的路上，
我跟娃儿说：
“总算把这件事给牙齿这件事给解决了！”
娃儿马上纠正我：
“才解决了一半！”
我笑着说：
“是啊。
我们明天先联系一下保险公司，
再决定去哪里拔。
最差的情况，
如果别处约不到，
那我们周三就来这里拔。”
⸻
听到医生说要280块，
娃儿突然感叹：
“280？
这也太贵了吧！
我只有一千块。”
我赶紧跟他说：
“没事，
你不要担心这个费用。
爸爸妈妈帮你付。这属于家庭紧急开销。”
听完以后，
娃儿这才放心。
婷妈的亲子日常 创作于 2026.06.07
原创发布： tingtingma.com
写给孩子，也写给正在成长的大人。
未经授权，请勿转载。
Tingma’s Parenting Diary | 282. It Turns Out He Has Always Trusted Me
A couple of days ago,
I was talking with my son about his education fund.
I said to him,
“Baby, you currently have about $2,000 in assets.
If it grows at 7%,
it could become this amount in the future.
At 8%,
it would become this amount.
At 9%,
this amount.
And at 10%,
it would become this amount.”
I was still wondering
whether he actually understood anything I was saying.
Then I noticed that
he had quietly drawn an arrow
pointing to the highest number,
the one under 10%.
Next to it,
he wrote one word:
Goal.
That completely amazed me.
⸻
I asked him,
“So how much of your allowance do you want to put into your education fund?”
My son replied,
“I don’t understand this stuff.
You decide for me.”
I answered,
“Okay.
The next time I decide how much to transfer,
I’ll tell you beforehand.”
“Okay,”
he replied.
⸻
At that moment,
I suddenly realized
how much trust he has in me.
He wasn’t worried that I would somehow make his money disappear.
Instead,
he naturally believed that
Mom would make the decision that was best for him.
⸻
After his toothache became so painful that he couldn’t sleep,
I called an emergency dentist the next morning.
The situation felt urgent,
and since it was Sunday,
we couldn’t wait for his regular dental office to open.
After taking X-rays,
we found out that nothing serious was wrong,
which was a huge relief.
Later,
the dentist recommended pulling the tooth.
He said that once it was removed,
the problem would be solved.
After hearing the price,
I decided to wait.
We would first see the next day
whether we could get an appointment with a dentist covered by insurance.
⸻
On the way home,
I said to my son,
“Finally, we got this whole tooth problem taken care of!”
My son immediately corrected me.
“Only halfway!”
I laughed and said,
“You’re right.
Tomorrow we’ll contact the insurance company first
and decide where to have the tooth removed.
Worst case,
if we can’t get an appointment anywhere else,
we’ll come back here on Wednesday.”
⸻
When he heard that the procedure would cost $280,
he suddenly exclaimed,
“$280?
That’s so expensive!
I only have $1,000.”
I quickly reassured him,
“It’s okay.
Don’t worry about the cost.
Mom and Dad will pay for it.
This counts as a family emergency expense.”
Only then
did he finally relax.
Tingma’s Parenting Diary
Written on June 07, 2026
Originally published at: tingtingma.com
Written for my child, and for the adults who are still growing.
Unauthorized reproduction is prohibited.
Originally written in Chinese by the author.
This English version was translated with the assistance of ChatGPT.