有一天睡前，娃儿突然感慨了一句：
“妈妈，我希望我们每一秒都在赚钱，就是在睡觉的时候，银行也有钱流进来。”
我当场愣了一下。
心里第一反应是：
天哪，这可是我前几年才刚刚知道的一种赚钱方式。
可他才八岁啊。
于是，我决定跟娃儿好好聊聊这个
“睡觉也能赚钱”的思路。
⸻
首先，我必须先肯定一下他的想法。
我说：
“你这个想法也太好了吧！妈妈也是前几年才知道，原来睡觉的时候也可以有钱流进来。”
我顺便给他简单解释了一下。
比如说：
如果我们有很多钱，放在银行，就可以钱生钱。
或者我们可以出书，电子书也可以。
别人看了以后，我们就能收到版权费。
这个叫知识付费。
我又继续说：
“或者你可以创造一款游戏。
很多人觉得好玩，还能学到东西，就会很火。
那就会有源源不断的收入进来。”
这就是所谓的：
被动收入。
这样就不会变成一种模式：
工作才有钱，不工作就没有钱。
⸻
我刚说完，娃儿就接了一句：
“我不是指写书和网站这个。”
他说到一半，突然又不说了。
我本来还想追问一句：
“那你指的是什么？”
但想了想，还是算了。
我知道，这个年龄的孩子，
能有“被动收入”这个概念，其实已经很厉害了。
至于具体怎么创造，
那可能要靠他自己慢慢去想。
而我们作为老母亲，
说实话，
自己也还没有真正实现被动收入。
所以也不好继续给他出主意了。
哈哈。
⸻
有时候和孩子聊天真的很有意思。
他们随口说出来的一句话，
常常会让大人突然意识到：
原来有些思路，孩子早就已经开始想了。
婷妈的亲子日常 创作于 2026.03.15
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 Journal 213 | “Making Money Even While Sleeping”
One night before bed, my son suddenly said:
“Mom, I wish we could make money every second—even when we’re sleeping, money would still be coming into the bank.”
I paused for a moment.
My first thought was:
Wow… this is something I only learned a few years ago.
And he’s only eight.
So I decided to have a proper conversation with him about this idea of
“making money while you sleep.”
First, I wanted to affirm his thinking.
I said:
“That’s such a great idea! Mommy only realized a few years ago that money can come in even while we’re sleeping.”
Then I tried to explain it in simple terms.
For example:
If we have savings in the bank, the money can grow over time.
Or we could write a book—even an e-book.
When people read it, we receive royalties.
That’s what people call “monetizing knowledge.”
I continued:
“Or you could create a game.
If people find it fun and meaningful, it could become popular,
and then income would keep coming in.”
This is what we call:
passive income.
So life doesn’t have to follow only one pattern:
You work → you earn
You stop → the money stops
Right after I finished, he said:
“I’m not talking about writing books or websites.”
Then he paused… and didn’t continue.
I almost asked:
“So what do you mean?”
But then I stopped myself.
At his age,
just having the concept of “passive income”
is already remarkable.
As for how to actually create it,
that’s something he’ll figure out in his own time.
And honestly, as a mom,
I haven’t fully achieved true passive income myself yet.
So maybe I’m not in the best position to keep giving advice anyway.
Haha.
Sometimes, conversations with children are surprisingly profound.
A single sentence they casually say
can suddenly make you realize:
some ways of thinking
they have already begun exploring.
Tingma’s Parenting Diary
Written on March 15, 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.
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