{"id":15175,"date":"2026-09-05T09:17:39","date_gmt":"2026-09-05T02:17:39","guid":{"rendered":"https:\/\/useful.vn\/?p=15175"},"modified":"2026-09-05T09:17:39","modified_gmt":"2026-09-05T02:17:39","slug":"nguoi-my-truong-thanh-van-duoc-cha-me-ho-tro-tai-chinh","status":"publish","type":"post","link":"https:\/\/useful.vn\/?p=15175","title":{"rendered":"Ng\u01b0\u1eddi M\u1ef9 tr\u01b0\u1edfng th\u00e0nh v\u1eabn \u0111\u01b0\u1ee3c cha m\u1eb9 h\u1ed7 tr\u1ee3 t\u00e0i ch\u00ednh"},"content":{"rendered":"
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\nNg\u01b0\u1eddi M\u1ef9 tr\u01b0\u1edfng th\u00e0nh v\u1eabn \u0111\u01b0\u1ee3c cha m\u1eb9 h\u1ed7 tr\u1ee3 t\u00e0i ch\u00ednh <\/h1>\n

42% ng\u01b0\u1eddi M\u1ef9 tham gia m\u1ed9t kh\u1ea3o s\u00e1t m\u1edbi \u0111\u00e2y cho bi\u1ebft v\u1eabn \u0111ang ph\u1ea3i d\u1ef1a v\u00e0o cha m\u1eb9 \u0111\u1ec3 trang tr\u1ea3i cu\u1ed9c s\u1ed1ng.<\/p>\n

Theo kh\u1ea3o s\u00e1t Planning & Progress 2026 \u0111\u01b0\u1ee3c h\u00e3ng b\u1ea3o hi\u1ec3m Northwestern Mutual c\u00f4ng b\u1ed1 m\u1edbi \u0111\u00e2y, 42% ng\u01b0\u1eddi tham gia cho bi\u1ebft h\u1ecd \u0111ang nh\u1eadn h\u1ed7 tr\u1ee3 t\u00e0i ch\u00ednh t\u1eeb cha m\u1eb9. T\u1ef7 l\u1ec7 n\u00e0y l\u00ean t\u1edbi 72% \u1edf th\u1ebf h\u1ec7 Gen Z (sinh n\u0103m 1997-2012), h\u01a1n m\u1ed9t n\u1eeda \u1edf nh\u00f3m Millennial v\u00e0 kho\u1ea3ng m\u1ed9t ph\u1ea7n ba \u1edf Gen X.<\/p>\n

B\u00e1o c\u00e1o c\u0169ng cho th\u1ea5y kho\u1ea3ng 20% ng\u01b0\u1eddi tr\u01b0\u1edfng th\u00e0nh (t\u1eeb 18 tu\u1ed5i tr\u1edf l\u00ean) tin r\u1eb1ng h\u1ecd “s\u1ebd kh\u00f4ng bao gi\u1edd \u0111\u1ea1t \u0111\u01b0\u1ee3c s\u1ef1 \u0111\u1ed9c l\u1eadp v\u1ec1 t\u00e0i ch\u00ednh”. Tu\u1ed5i trung b\u00ecnh m\u00e0 ng\u01b0\u1eddi M\u1ef9 cho bi\u1ebft c\u00f3 th\u1ec3 \u0111\u1ed9c l\u1eadp t\u00e0i ch\u00ednh l\u00e0 37, \u0111\u1ed3ng ngh\u0129a kho\u1ea3ng 20 n\u0103m sau khi t\u1ed1t nghi\u1ec7p ph\u1ed5 th\u00f4ng.<\/p>\n

D\u00f9 cha m\u1eb9 c\u00f3 th\u1ec3 ch\u1ec9 tr\u1ea3 h\u00f3a \u0111\u01a1n \u0111i\u1ec7n tho\u1ea1i hay h\u1ed7 tr\u1ee3 ti\u1ec1n \u0111\u1eb7t c\u1ecdc mua nh\u00e0, h\u00ecnh th\u1ee9c h\u1ed7 tr\u1ee3 t\u00e0i ch\u00ednh gi\u1eefa c\u00e1c th\u1ebf h\u1ec7 th\u01b0\u1eddng \u0111i k\u00e8m nhi\u1ec1u \u0111\u00e1nh gi\u00e1, Megan McCoy – Gi\u00e1o s\u01b0 t\u1ea1i \u0110\u1ea1i h\u1ecdc bang Kansas nh\u1eadn \u0111\u1ecbnh. “Nh\u1eefng g\u00ec ng\u01b0\u1eddi kh\u00e1c th\u01b0\u1eddng n\u00f3i v\u1ec1 chuy\u1ec7n h\u1ed7 tr\u1ee3 con c\u00e1i tr\u01b0\u1edfng th\u00e0nh th\u01b0\u1eddng l\u00e0 ‘Con c\u00e1i ch\u01b0a ch\u1ecbu l\u1edbn’ ho\u1eb7c ‘Cha m\u1eb9 qu\u00e1 nu\u00f4ng chi\u1ec1u’, b\u00e0 n\u00f3i.<\/p>\n

D\u00f9 v\u1eady, McCoy cho r\u1eb1ng n\u1ebfu \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n \u0111\u00fang c\u00e1ch, s\u1ef1 h\u1ed7 tr\u1ee3 t\u00e0i ch\u00ednh t\u1eeb cha m\u1eb9 c\u00f3 th\u1ec3 \u0111\u00f3ng vai tr\u00f2 nh\u01b0 m\u1ed9t “gi\u00e0n gi\u00e1o”, gi\u00fap con c\u00e1i x\u00e2y d\u1ef1ng cu\u1ed9c s\u1ed1ng th\u00e0nh c\u00f4ng. B\u00e0 khuy\u00ean r\u1eb1ng \u0111\u1ec3 vi\u1ec7c h\u1ed7 tr\u1ee3 ph\u00e1t huy hi\u1ec7u qu\u1ea3, hai b\u00ean c\u1ea7n giao ti\u1ebfp th\u01b0\u1eddng xuy\u00ean. N\u1ebfu thi\u1ebfu s\u1ef1 trao \u0111\u1ed5i, c\u00e1c b\u00ean r\u1ea5t d\u1ec5 n\u1ea3y sinh t\u1ed5n th\u01b0\u01a1ng, \u0111\u1eb7c bi\u1ec7t khi m\u1ed9t b\u00ean ho\u1eb7c c\u1ea3 hai mu\u1ed1n \u0111\u1ed9c l\u1eadp, ho\u1eb7c m\u1ed9t b\u00ean h\u01b0\u1edfng l\u1ee3i tr\u00ean s\u1ef1 hy sinh c\u1ee7a b\u00ean c\u00f2n l\u1ea1i.<\/p>\n

T\u1ed1i \u0111a h\u00f3a hi\u1ec7u qu\u1ea3 c\u1ee7a h\u1ed7 tr\u1ee3 t\u00e0i ch\u00ednh<\/strong><\/span><\/p>\n

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Sinh vi\u00ean trong m\u1ed9t l\u1ec5 t\u1ed1t nghi\u1ec7p t\u1ea1i Manhattan (New York, M\u1ef9). \u1ea2nh: Reuters<\/em><\/p>\n<\/figcaption><\/figure>\n

N\u1ebfu cha m\u1eb9 d\u1ef1 \u0111\u1ecbnh chuy\u1ec3n giao t\u00e0i s\u1ea3n cho con, vi\u1ec7c th\u1ef1c hi\u1ec7n s\u1edbm thay v\u00ec ch\u1edd \u0111\u1ebfn khi qua \u0111\u1eddi s\u1ebd gi\u00fap kho\u1ea3n ti\u1ec1n t\u1ea1o ra t\u00e1c \u0111\u1ed9ng l\u1edbn h\u01a1n, theo McCoy. “Trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, kho\u1ea3n th\u1eeba k\u1ebf ch\u1ec9 \u0111\u1ebfn khi con c\u00e1i \u1edf giai \u0111o\u1ea1n \u1ed5n \u0111\u1ecbnh t\u00e0i ch\u00ednh nh\u1ea5t, thay v\u00ec \u0111\u1ebfn khi h\u1ecd c\u1ea7n h\u1ed7 tr\u1ee3 nh\u1ea5t”, b\u00e0 n\u00f3i.<\/p>\n

McCoy khuy\u1ebfn ngh\u1ecb cha m\u1eb9 h\u1ed7 tr\u1ee3 theo h\u01b0\u1edbng gi\u00fap gi\u1ea3m \u00e1p l\u1ef1c t\u00e0i ch\u00ednh ho\u1eb7c \u0111\u01b0a con ti\u1ebfn g\u1ea7n h\u01a1n t\u1edbi c\u00e1c m\u1ee5c ti\u00eau. V\u00ed d\u1ee5 nh\u01b0 h\u1ed7 tr\u1ee3 tr\u1ea3 n\u1ee3 vay sinh vi\u00ean, g\u00f3p ti\u1ec1n mua nh\u00e0 ho\u1eb7c tr\u1ea3 ti\u1ec1n thu\u00ea nh\u00e0 n\u1ebfu con h\u1ecdc sau \u0111\u1ea1i h\u1ecdc.<\/p>\n

“Cha m\u1eb9 n\u00ean h\u01b0\u1edbng \u0111\u1ebfn nh\u1eefng kho\u1ea3n h\u1ed7 tr\u1ee3 gi\u00fap con b\u01b0\u1edbc l\u00ean m\u1ed9t n\u1ea5c ph\u00e1t tri\u1ec3n ho\u1eb7c m\u1edf ra th\u00eam c\u01a1 h\u1ed9i”, McCoy n\u00f3i.<\/p>\n

Ki\u1ec3m so\u00e1t c\u1ea3m x\u00fac \u0111i k\u00e8m<\/strong><\/span><\/p>\n

Trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, kho\u1ea3n ti\u1ec1n cha m\u1eb9 d\u00e0nh cho con kh\u00f4ng mang l\u1ea1i c\u1ea3m x\u00fac t\u00edch c\u1ef1c. V\u00ed d\u1ee5, c\u00e1c b\u1eadc ph\u1ee5 huynh c\u1ea3m th\u1ea5y kh\u00f3 ch\u1ecbu v\u00ec ph\u1ea3i ti\u1ebfp t\u1ee5c h\u1ed7 tr\u1ee3, ho\u1eb7c con c\u00e1i ng\u1ea1i ng\u1ea7n khi nh\u1eadn s\u1ef1 gi\u00fap \u0111\u1ee1.<\/p>\n

\u0110\u1ec3 tr\u00e1nh nh\u1eefng t\u00ecnh hu\u1ed1ng n\u00e0y, McCoy cho r\u1eb1ng c\u00e1c b\u00ean c\u1ea7n hi\u1ec3u r\u00f5 l\u00fd do c\u1ee7a vi\u1ec7c h\u1ed7 tr\u1ee3. “Cha m\u1eb9 h\u00e3y ch\u1eafc ch\u1eafn r\u1eb1ng m\u00ecnh kh\u00f4ng cho ti\u1ec1n ch\u1ec9 v\u00ec c\u1ea3m th\u1ea5y c\u00f3 l\u1ed7i khi ch\u01b0a d\u00e0nh \u0111\u1ee7 th\u1eddi gian cho con, ho\u1eb7c v\u00ec mu\u1ed1n c\u00f3 quy\u1ec1n l\u1ef1c v\u00e0 ki\u1ec3m so\u00e1t c\u00e1c quy\u1ebft \u0111\u1ecbnh c\u1ee7a con. C\u0169ng \u0111\u1eebng h\u1ed7 tr\u1ee3 ch\u1ec9 v\u00ec b\u1ea1n ngh\u0129 con kh\u00f4ng th\u1ec3 t\u1ef1 l\u00e0m \u0111\u01b0\u1ee3c”, McCoy n\u00f3i.<\/p>\n

Trong khi \u0111\u00f3, con c\u00e1i c\u1ea7n hi\u1ec3u s\u1ef1 h\u1ed7 tr\u1ee3 n\u00e0y ch\u1ec9 mang t\u00ednh t\u1ea1m th\u1eddi, nh\u1eb1m gi\u00fap h\u1ecd v\u01b0\u1ee3t qua m\u1ed9t giai \u0111o\u1ea1n quan tr\u1ecdng trong cu\u1ed9c s\u1ed1ng. Vi\u1ec7c n\u00e0y kh\u00f4ng k\u00e9o d\u00e0i v\u00f4 th\u1eddi h\u1ea1n s\u1ef1 ph\u1ee5 thu\u1ed9c v\u00e0o cha m\u1eb9.<\/p>\n

Tham kh\u1ea3o chuy\u00ean gia t\u00e0i ch\u00ednh<\/strong><\/span><\/p>\n

V\u1edbi nhi\u1ec1u gia \u0111\u00ecnh, li\u00ean t\u1ee5c h\u1ed7 tr\u1ee3 t\u00e0i ch\u00ednh cho con c\u00e1i kh\u00f4ng ph\u1ea3i l\u00e0 \u0111i\u1ec1u kh\u1ea3 thi. \u0110\u1ec3 b\u1ea3o \u0111\u1ea3m k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh d\u00e0i h\u1ea1n, nh\u01b0 h\u01b0u tr\u00ed, kh\u00f4ng b\u1ecb \u1ea3nh h\u01b0\u1edfng, Nikki Macdonald – chuy\u00ean gia ho\u1ea1ch \u0111\u1ecbnh t\u00e0i ch\u00ednh c\u1ee7a Northwestern Mutual khuy\u1ebfn ngh\u1ecb cha m\u1eb9 tham kh\u1ea3o \u00fd ki\u1ebfn chuy\u00ean gia t\u00e0i ch\u00ednh tr\u01b0\u1edbc khi t\u1eb7ng ho\u1eb7c h\u1ed7 tr\u1ee3 ti\u1ec1n cho con.<\/p>\n

V\u00ed d\u1ee5, n\u1ebfu d\u1ef1 ki\u1ebfn sau n\u00e0y con s\u1ebd c\u1ea7n ti\u1ec1n \u0111\u1eb7t c\u1ecdc mua nh\u00e0, “cha m\u1eb9 c\u1ea7n t\u00ednh to\u00e1n r\u1eb1ng trong 10-15 n\u0103m t\u1edbi ph\u1ea3i d\u00e0nh ra bao nhi\u00eau ti\u1ec1n ph\u00f2ng tr\u01b0\u1eddng h\u1ee3p ch\u00fang c\u1ea7n h\u1ed7 tr\u1ee3”, Macdonald n\u00f3i. N\u1ebfu vi\u1ec7c n\u00e0y c\u00f3 nguy c\u01a1 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn k\u1ebf ho\u1ea1ch ngh\u1ec9 h\u01b0u ho\u1eb7c chi ph\u00ed ch\u0103m s\u00f3c tu\u1ed5i gi\u00e0, gia \u0111\u00ecnh n\u00ean c\u00f3 m\u1ed9t “cu\u1ed9c tr\u00f2 chuy\u1ec7n \u0111\u1ec3 th\u1ed1ng nh\u1ea5t k\u1ef3 v\u1ecdng”.<\/p>\n

McCoy cho r\u1eb1ng c\u00e1c cu\u1ed9c trao \u0111\u1ed5i v\u1ec1 h\u1ed7 tr\u1ee3 t\u00e0i ch\u00ednh gi\u1eefa c\u00e1c th\u1ebf h\u1ec7 n\u00ean \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n t\u1eeb s\u1edbm v\u00e0 th\u01b0\u1eddng xuy\u00ean \u0111\u1ec3 tr\u00e1nh m\u00e2u thu\u1eabn c\u1ea3 v\u1ec1 t\u00e0i ch\u00ednh l\u1eabn c\u00e1 nh\u00e2n. “S\u1ef1 minh b\u1ea1ch trong gia \u0111\u00ecnh mang l\u1ea1i l\u1ee3i \u00edch \u1edf nhi\u1ec1u kh\u00eda c\u1ea1nh, \u0111\u1eb7c bi\u1ec7t khi nh\u1eefng l\u00fd do b\u1ea1n \u0111\u01b0a ra th\u1ef1c s\u1ef1 t\u00edch c\u1ef1c”, b\u00e0 k\u1ebft lu\u1eadn.<\/p>\n

H\u00e0 Thu<\/strong>(theo CNBC)<\/em><\/p>\n<\/article>\n

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https:\/\/vnexpress.net\/nguoi-my-truong-thanh-van-duoc-cha-me-ho-tro-tai-chinh-5104059.html<\/p>\n","protected":false},"excerpt":{"rendered":"

Ng\u01b0\u1eddi M\u1ef9 tr\u01b0\u1edfng th\u00e0nh v\u1eabn \u0111\u01b0\u1ee3c cha m\u1eb9 h\u1ed7 tr\u1ee3 t\u00e0i ch\u00ednh 42% ng\u01b0\u1eddi M\u1ef9 tham gia m\u1ed9t kh\u1ea3o s\u00e1t m\u1edbi \u0111\u00e2y cho bi\u1ebft v\u1eabn \u0111ang ph\u1ea3i d\u1ef1a v\u00e0o cha m\u1eb9 \u0111\u1ec3 trang tr\u1ea3i cu\u1ed9c s\u1ed1ng. Theo kh\u1ea3o s\u00e1t Planning & Progress 2026 \u0111\u01b0\u1ee3c h\u00e3ng b\u1ea3o hi\u1ec3m Northwestern Mutual c\u00f4ng b\u1ed1 m\u1edbi \u0111\u00e2y, 42% ng\u01b0\u1eddi<\/p>\n","protected":false},"author":1,"featured_media":15176,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-15175","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-thi-truong"],"_links":{"self":[{"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/posts\/15175","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=15175"}],"version-history":[{"count":0,"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/posts\/15175\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/media\/15176"}],"wp:attachment":[{"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=15175"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=15175"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=15175"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}