Some feel that the children of low income families are better equipped to deal with difficulties posed by the “real world” when they grow up and they also believe the privileged children of wealthy families are less fit to deal with these difficulties. The implications and veracity of this argument seem self-evident, but in fact require closer examination.
The popular wisdom is that children of poorer families learn early on the value of every penny, and are thus naturally better suited to stretching money when times get tough in adulthood. Inversely, the children of wealthy families, those born with a silver spoon in their mouths, are believed to be completely ignorant of the value of money, having had everything provided for them in their youth and oftentimes erroneously expecting the same situation in adulthood. They are believed to be prone to overspending and financial irresponsibility. This belief, though logical, overlooks one key point which is, of course, education. Both wealthy and poor children are equally likely to acquire an education in money, whether it is formal, or in the school of hard knocks. Conversely, both children are as likely to ignore this education.
A poor child may believe that one can get along, if not as easily, without wealth. A wealthy child may be well trained by a parent steeped in the knowledge of money management; the key to developing this skill is education.

分析题目要求， 即对“穷人孩子早当家”的观点发表自己的看法。 本文开篇首先点明这一观点引出话题， 并对此提出自己的看法， “这一观点无可厚非。 但有待深入探讨”。 在接下来的一段中， 作者对自己的这一论点展开详细叙述， 一方面肯定该观点的合理性， 一方面提出其不完善之处。 最后对上文所述做出总结， 无论贫穷富有，理财能力的关键是教育， 从而深化主题。