anna dengina expert of the national center for financial literacy, teacher, author of financial literacys for children and parents. hello anna , you know, i have four children, however, the youngest is now 15 years old. and it's probably too late to talk about the need to start financial literacy. well, i can share such a story, it is clear that there were no programs. then probably 15, there 20 years ago, especially there 30. here, i'm talking about older children. but when you take care of your money, you come to a lot. intuitive, and uh, here i'll just tell you how we solved the problem. the kids had their own money. and moreover, practically right there almost from the first grade of the juniors, but, with which they were encouraged for successfully with these control tests , they successfully passed with excellent marks, only with excellent marks, that is, only fives were encouraged. you know, as in ancient greece, only winners get a gold medal, there are all fives, here. there is a small financial reward there, it is thousands or several thousand rubles, but nevertheless, at some p