The story of how we "ended up in prison" is one we're often asked to tell, and we think this column (first published in February 2013) does a good job of doing that …
| Coming up with this month's topic and title was easy. Figuring out how to explain it may be a little more complicated. | |
| No kidding. Every time we meet with Chaplain Watkins and she tells us about the men she works with and how they've reacted to our book, I'm left speechless. | |
| That, in itself, is fairly amazing. | |
| Cute. But if anyone had told us when we wrote our book that it would end up in a men's prison and that offenders would not only be reading the book, but enjoying it, learning from it, and sharing the lessons in it with their families, I'd have said they were crazy. | |
| I believe that is what you called me when I told you that we were going to be speakers at the National Prisoner's Family Conference last February. | |
| No. I thought you were kidding. Remember, YOUR business plan was that the book would be the basis of a sitcom. Not a Texas-approved textbook. | |
| That might not have been our plan but, as you know, life rarely goes according to plan. | |
| There's an understatement. But at the time, I thought it was just another one of your "outside the box" ideas. Way outside the box. However, once we spoke at the conference, and started learning more about the prison world, I realized there was a huge need for this information. | |
| You are conveniently forgetting that initially you were fairly negative about it. | |
| Yes, I was. My attitude was that prisoners had done something wrong, so they deserved to be in prison. I had no desire to help them. My heart was with the students, and trying to get our book and its "real life" lessons into the schools. | |
| I understand. I would venture to guess that most people feel that way. On the surface, it seems logical. | |
| Of course, you saw it differently. | |
| Maybe more pragmatically. And then I started doing research. What really got my attention was the Children's Defense Fund's, "Cradle To Prison Pipeline" report. It explains all the contributing factors that feed that pipeline. And how education is a critical key to changing the trajectory of these lives. | |
| What got my attention was the concept that you can calculate how many prison beds will be needed in the future based on children who can't read on grade level by the fourth grade. | |
| It makes perfect sense … once you stop and think about it. | |
| But it's not something you would typically think about. But then again, you rarely do the typical thing. Like the time you asked me what I was doing on a Friday night, and I thought you wanted to go to a movie. It never dawned on me that you were inviting me to "go to prison" with you and the founder of Wings Ministry. | |
| And you found every excuse in the book not to go. | |
| I'm a single mom. Heading off to a prison is not something I'd feel safe doing. And I wondered about your logic, but didn't want to ask. | |
| There is only one way to get first-hand knowledge. I wanted to see what I had only read about. However, I was not prepared for what I discovered. | |
| I remember you telling me that it was like a scene out of the old "Get Smart" TV series, with the long corridor and the locking doors. | |
| Architecturally, it was built in 1908 and is beautiful. Although initially intimidating, once I met some of the men it became very "human." They were truly appreciative of my being there, as so many of them feel the outside world has forgotten them. And once the chaplain heard about our book she was anxious to read it. | |
| What I still find hard to believe was that she mentioned that Stringfellow Unit is the only prison in Texas that has a kosher kitchen! I remember telling you that in this instance, G-d was not being subtle. There was clearly a reason that this was the first prison you ever visited. | |
| I believe the word is beschert. | |
| Well, a lot has happened since then. Chaplain Watkins not only had our book/program "approved," but also completed two pilot book clubs with 50+ men, and has already started a third. Even Sawyer, who is only 10, was surprised by the feedback from the men who have completed the program. Her exact quote was, "Wow!" | |
| What I find fascinating is how many of these men are connecting the dots between how not understanding personal finance causes stress, and then realizing how it can lead to drugs and/or alcohol. And how "all of the above" contributes to bad decisions. | |
| Obviously, they're finding the "life lessons" I learned as a 40+ year-old to be extremely important as they're saying they want to share the book with their families. I'm moved by their statements that they want their wives, their children, to learn what they're learning. | |
| Well, according to Chaplain Watkins, their actions are matching their words. They are writing home about it, and a few even said they were going to send the book home. | |
| I know. But my favorite story is the man who now turns off the water when he brushes his teeth. It sounds like such a small thing, but it says so much once you learn that he's doing it to because he recognizes he'll be living with someone when he gets out and doesn't want to waste their money. He wants to start today to make it a good habit for the future. | |
| It is all about taking control of your life, versus letting your life control you. It is what I told you when Nick got fired. And it is what we tell students. | |
| But in this case, I can't help but wonder how many lives are being touched – not only the offenders, but their families, their friends, their communities. Not to mention, what if some of the men who have read our book now start making better decisions. And once released, don't return to prison. | |
| Exactly. Just imagine the money that would save taxpayers. The cost of Texas state prisons is about $22,000 per person per year, which works out to $60 a day. Our book costs less than half a day in prison. So if it has the potential to actually make a difference in their lives and their future decisions, it seems like a small investment … with huge upside potential. To me, it is a no-brainer. | |
| I was thinking more about the family environment, but your numbers make perfect sense. Unfortunately, just because something makes sense, doesn't mean it's going to happen. Just take a look at the education system. And what we've been trying to do for over three years now with limited success. | |
| I know. It is extremely frustrating. But one day it will be ironic. | |
| What do you mean? | |
| Besides the fact it is much cheaper to educate than incarcerate (average cost for a year of public education in Texas is about $8,700 per student compared to the $22,000 cited above; nationally, the numbers are around $11,000 and $31,000, respectively), one day I expect to ask the question, "Why is it that these critical life lessons are being taught in prisons, but not in our schools?" | |
| Well, that should get Austin's attention. | |
| Austin? I was thinking Washington, D.C. And, it needs to do more than that. It needs to get everyone's attention. Especially voters. |
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 ...
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.
| 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. |


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