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大作文题目：
A lot of young people do not know how to manage their money when graduating from high school. What do you think are the reasons? What can be done to teach them this important skill?
Give reasons for your answer and include any relevant examples from your own knowledge or experience.
【话题分类】：教育类
【题目解析】：
题目大意：
大量高中毕业的年轻人不知道如何管理自己的金钱。造成这种现象的主要原因是什么?如何教会他们这项重要的技能?
题型特点：报告类题型，需要回答题目中所提现象的原因，并提供对应的解决方案。
本文论文推进：开头段引入当今社会年轻人没有理财意识的现象。主体段首先概括主要原因在于缺乏家长的引导和必要的学校教育，其次从家庭和学校角度分别归纳解决方案。结尾重申观点。
【难点】题目限定了讨论对象是从高中毕业的年轻人群体，那么原因和解决方案都要重点结合这个群体的特征进行讨论。
【写作思路】：
开头段：改写题目——高中毕业生由于缺乏对于理财的理解，经常陷入消费主义陷阱。表明原因和解决方案——家庭和学校的教育引导缺失是主要责任。
主体第一段：其中一个原因是缺乏恰当的家庭教育。因为近年来生活质量提高，导致父母忽略金钱管理方面的教育。
主体第二段：另一个原因则是因为缺乏学校的相关引导。在现行教育体系下，成绩作为唯一评价标准，而忽略对其社会技能的提升。
主体第三段：由于上述原因，解决该问题需要父母和学校的共同努力。一方面，家长需要监督孩子形成记录消费的习惯，从小培养孩子管理零花钱的能力。另一方面，学校应该聘请教授讲解经济相关课程。
结尾段：总的来说，家长和学校应该承担起帮助高中毕业生培养金钱管理能力的主要责任，只有金钱意识加强后，年轻人才能真正享受财务自由。
【参考范文】
Young high school graduates are often the target of consumerism traps due to a lack of understanding of how to manage their money. This essay will initially discuss the causes of this phenomenon, followed by some feasible strategies which can assist young people in gaining such an essential skill.
The most important reason that should be discussed is the shortage of proper domestic education. Improved living standards in recent years has made too many parents merely emphasize providing affluent material conditions for their children, without taking the education of money management into consideration. It is the consensus that teenagers of this age should not worry too much about money, that leads to the majority of them taking everything for granted and focusing on the quality of life rather than saving money for the uncertain future.
Another factor which cannot be ignored is the lack of relevant guidance from schools since most high school students just focus on academic learning in the existing education system, where social skills, including money management ability are hardly considered when evaluating an excellent graduate. Declining emphasis in schooling and the resulting deficiency of specialized knowledge in finance lead to students of school age lacking the initiative in managing money.
Given the severity of the current issue, concerted efforts from parents and schools are required to raise the awareness of money management among younger generation. For one thing, parents are supposed to monitor their children to develop the habit of keeping track of consumption, fostering the skill of managing their own pocket money from an earlier age. For another, high schools should recruit professionals to deliver courses concerning financial education. Introducing certain money management projects, where students can gain profits through allocating wealth properly, is probably an effective way for them to acquire this crucial skill.
In conclusion, parents and schools ought to show commitment in helping high school graduates acquire the skill of managing money.
(320 words)
【亮点词汇及短语】
1.consumerism (n.) 消费主义
2.domestic (adj.) 家庭的
3.emphasize (v.) 强调
4.merely (adv.) 仅仅
5.affluent (adj.) 富裕的
6.consensus (n.) 共识
7.majority (n.) 多数
8.take … for granted 视为当然
9.evaluate (v.) 评价
10.ignorance (n.) 忽视
11.deficiency (n.) 缺乏
12.specialized (adj.) 专业的
13.initiative (n.) 主动权
14.severity (n.) 严重性
15.concerted (adj.) 同心协力的
16.foster (v.) 促进
17.recruit (v.) 聘用
18.allocate (v.) 分配
19.acquire (v.) 获得
20.commitment (n.) 承担义务
21.enhance (v.) 加强
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