Red loves to stop and reminisce. Black prefers to look forward.
But even Black will admit that sometimes there’s value in looking back — it reminds us where we came from, the detours and roadblocks we have managed to navigate, and that we may be stronger and more capable than we give ourselves credit for. Sometimes, it’s a lesson learned. Sometimes, it’s a memory that reminds us what’s truly important.
But Black has one caveat (and it's one of her favorite car analogies) …
If you decide to look back, keep it in perspective. There's a reason why windshields are so much larger than rearview mirrors.
Every time we see the photo above of our "guinea pigs", it brings back such fond memories. You may be thinking, "What? Are they calling those students guinea pigs?!" Well, actually, yes. And before you think ill of us, please know that we use the term with great affection, deep gratitude, and utmost respect. And these eight amazing seniors from the Class of 2010 know that's our nickname for them because ...
We started calling them our "Guinea Pigs" as soon as they volunteered to help us develop our Red & Black Personal Finance and Life 101 program at KIPP Houston High School. It was important that they knew this was truly an “experiment”, as neither one of us was a teacher or a financial expert.
It all started at our first speaking engagement, when during Q&A a woman asked why the topics in our book weren’t taught in school. The next thing we knew, we were sitting in the office of Bryan Contreras, Director of KIPP Through College, and being asked not only to develop, but also to teach, a semester-long personal finance and Life 101 course to their high school seniors. During their spring semester. (Yes, the months right before they graduate.) While Red looked like a deer in headlights (we barely considered ourselves authors, let alone teachers), Black responded as she often does, with a simple:
Sure, not a problem.
While Red went home to carpool and baking cookies, Black did what she does best — use her corporate and business experience to tackle the challenge. So, she requested a "task force" of seniors to help us develop the curriculum because, as she put it:
If it is not relevant, why bother? And, who knows best what is relevant to high school seniors? High school seniors.
Black introduced them to the business concept of a working lunch (which might also be considered a pizza bribe), and we met for five Fridays. We gave them a list of select book excerpts they were expected to read each week so we could discuss what they thought should be included in the curriculum. That first week, they seemed motivated to help — but we weren't sure what to expect.
They came back excited and totally committed, with two of them having read the entire book and the rest having read much more than the assigned excerpts. Luckily, Red had been a straight-A, copious note-taking student. However, she could barely keep up with their comments and feedback, let alone the side discussions generated by the conversations in our book. You could see their interest in personal finance (and many other Life 101 topics) was strong and genuine, and they explained that learning from the mistakes of others was extremely powerful. One student, after prefacing his comment with apologies, stated:
When I grow up, I don't want to be Red.
We'll always be indebted to our Guinea Pigs for their enthusiasm and suggestions, as using our book as the textbook was their idea, not ours. And through their feedback on the book and the lessons they were already learning from it, which began at those pizza lunches, the answer to how best to "teach" a Red & Black class was obvious to them. It was as simple as a book club. For us, it took a little longer to come to that realization as we were hampered by our own preconceived notions about how lessons are taught in a classroom. So, although the initial intent may have been for us to be the teachers and them to be the students... we learned from each other.
P.S. – For those of you interested in a more "educational" look at our detour into the world of education, including "feedback" (student quotes, Black's "non-scientific" surveys, and KIPP press releases) from our two spring semesters when we "taught" at KIPP Houston High School, please check out An Unexpected Education Detour ...
| The last few days have been beautiful fall weather, and I can't help but wonder — do you ever miss having your Ferrari convertible? |
| Although some days are perfect convertible weather, given that I barely drove it the last few years I owned it, averaging less than 50 miles a year, I can honestly say, "No." In fact, I cannot even remember the last time I drove it. |
| I can't help you with that, but I'll never forget the last day we taught at KIPP Houston High School, and you drove it there. You should have seen the students' faces as you were lowering the top on it. |
| Funny thing is, I never took the car to KIPP because I did not want anyone to think I was showing off, but I forgot how exciting it is for motorheads to see special cars — whether new or vintage. |
| I doubt everyone crowding around your car was a motorhead, but they certainly were excited to see it. Boys AND girls! At the risk of sounding warm and fuzzy, I think the fact you not only drove a Ferrari, but also raced them, gave the girls a feeling of empowerment that they really can do anything. |
| I guess because I always worked in male-dominated industries, I got used to being the "token" woman. Regardless, I never look at things as being gender-specific. |
| That's because you never look at anything like the rest of the world does, or at least most people do. A perfect example of that is you giving Juan a ride in the Ferrari. I doubt many people would have done that. |
| It seemed only fair since he tried to make a "deal" with me the day before — a hand of poker or even a flip of a coin. If he wins, he gets a ride in the Ferrari. If I win, he will be my slave for a day. Giving him a ride in the car was a reward for having the chutzpah to try to make a deal with me. And, in the two years we taught at KIPP, of the over 200 students who took our Personal Finance & Life 101 class, he was the only one ever to do that. |
| I'll never forget how you also told them that although it may not be the proper definition for the Yiddish word "chutzpah," the real-life definition is "having balls." |
| How else would you explain it? |
| You should know, as many people have used that word to describe you. And it was consistent with the lesson we taught them about how you "confronted" Bob Weinstein (of the movie-producing Weinstein Brothers) at a conference in New York. (Granted, it was well before the #MeToo scandal.) You realized you had nothing to lose, not to mention you were well prepared. |
| In most scenarios, if you do not ask for something, you will not receive it. So, what is the risk of asking? Someone may say "no"? The way I see it, you are no worse off than before you asked. So, in reality, there is no downside risk, but there IS upside potential. They may say "yes." |
| True. And I laughed, although I wasn't surprised when everyone else started asking for a ride in the Ferrari! |
| Except Juan did not just ask for a ride. He tried to negotiate a deal. He structured it so that there was an upside for me if he lost the bet, which obviously would be the downside for him. But, what impressed me the most was that he was proactive and took a chance, albeit a long shot, to get something he wanted. |
| And given the smile on his face when you drove off, it obviously paid off. I bet, even though it has been many years, it's something he's never forgotten. |
| The lesson or the ride in the Ferrari? |
| Both. And I will go out on a limb and say I bet many of the kids standing around the car when you told Juan to jump in, and then explained why, may also remember not only that day but the importance of the lesson. |
| Then, it was a perfect day for a convertible ride. |
| I love how The Eyewall newsletter keeps an eye (pun intended) on tropical activity in the Atlantic Ocean, Caribbean Sea, and Gulf of Mexico. Not only is it a great “no hype” analysis of what’s going on, but it really helps me deal with the prospect of any bad storms hitting Houston. |
| You definitely watch the weather more than I do. But, I know that is because you have an extreme “fear” (or however you want to describe it) of driving in heavy rain and potentially facing road flooding. |
| Borderline terror. Thanks to you. |
| Me? I thought I was the one who taught you what to do when encountering high water. |
| You did. But only after you got me into the situation in the first place! It had already been raining heavily when we each arrived at that meeting near my house. Afterward, although I preferred to go straight home, you thought it’d be ok for us to keep to the original plan of me following you into Houston. |
| At the time, it didn’t seem that bad, just rain. |
| Says the woman in the Mercedes G-Wagon who sits high above cars and even other SUVs. Anyway, I can still remember it like it was yesterday … the rain’s pounding down, you’re behind me, we’re talking on the phone about the meeting, and suddenly you go from your normal conversational tone to sounding like what I imagine an air traffic controller would be like — very measured, very direct, very non-emotional. |
| I needed you to pay attention. I could see you were about to hit high water, and I knew my instructions would go against your natural instincts. You needed to keep giving the car gas, but ease up on the accelerator and, no matter what, not brake. |
| And gently “steer” around the cars you could see were stalled out in front of me. Then, you told me to keep saying these words out loud ... “keep it going, keep it going, keep it going.” And then you hung up on me. |
| I knew there was nowhere for you to pull over, and you were frightened. But, by giving you a “mantra” to say out loud, I hoped to focus you on the most critical thing you needed to do. I did not have the time to explain that keeping your foot on the gas, even if just a little, kept you moving forward and prevented water from entering the engine through the exhaust (tail) pipe. I could see past the water and knew you just needed to get through it to reach higher ground. |
| I felt like I was driving a bumper car at a carnival, trying to avoid all the other cars. Finally, a few minutes later, although it felt like an eternity, I was able to park on high ground. Where I stayed for hours, waiting for the water to recede so I could get home. Ever since, whenever I’m on the road during storms, I feel like I have a form of PTSD. Although I probably shouldn’t say that because it’s unfair to those, especially veterans, who truly have PTSD. |
| I understand you do not want to seem like you are diminishing the seriousness of PTSD, but you may have a mild form of it. However, I am not qualified to diagnose it. Nor do I know enough about it to speak intelligently. |
| Just the thought of high water is traumatic and causes me extreme stress. It’s an overwhelming feeling of not having control of a situation that could quickly become a life-or-death scenario. I can’t even imagine what soldiers must feel after seeing combat. They have to face battle day after day, month after month. And, often, year after year. And then they come home and often must fight an entirely different battle. |
| Not all people exposed to traumatic events develop PTSD, but they are more susceptible. In addition to combat exposure, events such as physical abuse or assault, sexual violence, mass shootings, natural disasters … it is a long list. |
| Wow, I never thought about it that way. Even more reason that we all need to be more sympathetic. And while I appreciate that we may not know the details of their story or situation, it shouldn’t stop us from being kind and understanding first, rather than immediately judging someone. |
| Technically, I think you mean empathetic. Regardless, we can all learn more about PTSD. And, mental illness. No one should ever have to suffer alone. We should let family and friends know that it is ok to not always be ok. And, that we are there if they need us. But, remember to always ask for permission before offering help or advice, and respect their wishes if they decline. |
| For someone whose default is being sarcastic, that was very warm and fuzzy. And calming. Similar to when you got me through that high water. And now, I know to recognize my fear, do my best to avoid situations that will trigger me, and, if unavoidable, find a mantra and try to stay calm. |
| Oh, and trust your instincts. Your gut told you not to go to Houston with me. |
| Now you tell me! |
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