7.5 分表达
The absence of this knowledge may result in children adopting detrimental financial habits, such as overspending, excessive reliance on credit cards, and failure to save for the future, all of which can lead to long-term financial difficulties.
9分表达
Conversely, the lack of such financial literacy skills may lead to the development of harmful financial habits, including but not limited to excessive spending, over-reliance on credit cards, and the failure to save for the future, thereby increasing the likelihood of long-term financial difficulties.
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