| Where did January go? Every day feels like Groundhog Day, but yet the months are flying by! Our January column was about "resets" instead of resolutions, so maybe we could expand on that and talk about self-improvement. | |
| Instead of love, hearts, and Valentine's Day? Works for me. | |
| Maybe we can tie the two concepts together – become a better person as a Valentine's Day gift to yourself? | |
| Instead of looking at what needs improvement, what about learning to love – and accept – yourself? | |
| That sounds rather arrogant, as I think it's safe to say that most of us could use some improvement. |
| Agree, but that puts the focus on what is wrong with us versus what is right. | |
| Interesting thought, especially as I suspect that most of us underestimate, and undervalue, all the positive things we do. It's just so easy to get caught up in the "how to be better" mindset. Which can be overwhelming, as it becomes just one more thing you feel you need to do. | |
| And, can set you up for failure versus success. Plus, everyone's personal circumstances are different, which is why I am suggesting self-acceptance versus comparing yourself to some other "ideal". Focus on positive traits. Then, build on those. | |
| I like that! Especially since building on something you already do will probably take less time than trying to change and, let's face it, lately it seems that time's flying by even more quickly than usual. | |
| Someone once told me, "The older you get, the quicker time flies." Which means we must use it wisely. Especially since none of us knows how much time we have left. | |
| I know you're pragmatic, but that was painfully blunt. Especially given what's going on with the pandemic. In the past, most people preferred not to think about death, but now, at the risk of sounding dramatic, it's all around us and has touched so many people. It's so incredibly tragic. | |
| Having loved ones die, especially untimely deaths, can have a powerful impact. Which is what happened to me growing up. It made me realize that the future is not a guarantee, but merely an incentive. And that, in turn, had a direct impact on my priorities. And, how I approach life. | |
| I remember you telling me that. It certainly explained a lot of things, like what appeared to be your "devil-may-care" attitude. It helped me realize that a lot of your decisions, and actions, were based on your unusual perspective. I guess you can say that you live life based on your experience with death. | |
| To some extent, but I see the bigger influence being how I want to be remembered at my funeral. | |
| I'm not sure I even want to have this conversation, but I'll admit I'm curious. So, do you care to explain that remark?! | |
| I believe you should live your life not concerned about what people think and say about you when you are alive. But instead, what they will say about you once you are gone. | |
| Why would you care if you're no longer around? | |
| By then, what you say you are going to do is a moot point. All that is left are your actions. And, they will speak louder than words. What did you do? Who did you help? Did you try to make a difference? | |
| That's a very interesting attitude for someone who doesn't seem to care what people say about you when you're alive! | |
| Is it? When people talk about the living, many focus on gossip and/or perceptions. People look at isolated incidents. Recent events or actions. However, when you remember those who are no longer here, you may have specific memories that stand out, but you remember the person. And, what they stood for. You remember them in terms of the life they lived. | |
| You're right. Almost every night, Wolf Blitzer on CNN takes the last few minutes to memorialize victims of COVID-19 and he talks about the life they lived. I don't even know them, but it makes me realize how everyone can be special. And the ripple effect everyone has on the lives they've touched. | |
| Do you remember the conversation we had years ago when we were returning from Cousin Frankie's funeral? We talked about all the incredible things that everyone was saying about him. | |
| Absolutely! We weren't close to Frankie, but we learned so much about him by what other people said. He touched so many lives. I remember thinking that, in a strange way, knowing that helped comfort Aunt Maxine and Uncle Connie. | |
| I remember the recurring sentiment was that he always let his family and friends know that he loved them. | |
| Yes, I remember that, too. Since his death was so untimely and unexpected, that was such an amazing gift that he left the people he loved. | |
| One of the greatest gifts you can give the people you love is to let them know that you love them. Especially because you never know if that will be the last chance you have to let them know how you feel. | |
| So true. Which is one of the reasons that Valentine's Day drives me crazy. Although I love getting cards and flowers, I don't think that you should need a holiday or special occasion to prompt these things. Do you really need Hallmark and your local florist to tell you that you should be saying, "I Love You"? | |
| Somehow, I do not think you want to discuss the business aspects of holidays. But you, of all people, understand how easy it is to get wrapped up in day-to-day living. Sometimes we need a reminder to make us stop and focus on what is truly important. Why not use Valentine's Day as an opportunity to stock up on "I love you" cards and then use them all year long? Obviously, Post-it notes, phone messages, or text messages work just as well. There is much truth to the cliché, "It is the thought that counts." | |
| So, does that mean you do or don't want me and the girls to send you a card on Valentine's Day? | |
| Whatever makes you happy. Just promise if you get me a card, it will not be one of those drippy sweet ones. If you really love me, make sure it is sarcastic. And, the more sarcastic – the better. |
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It's a running joke in my family that the only reason I go to the movies is for the popcorn. And while that isn't 100% true, it's probably close, as I can't remember a time when popcorn wasn't an essential part of the experience.
I can still remember seeing Mel Brooks' "Young Frankenstein" when it was first released (in 1974) at the Massapequa movie theater, which was literally at one end of an old strip shopping center. It bore no resemblance to today's multiplex cinemas, and the concession stand offerings were very limited. It was dark and a bit dingy, and the seats were old and uncomfortable. But I didn't care because the popcorn more than made up for it. And while I sat through multiple showings of the movie (it's still one of my favorites), I was grateful my dad had given me enough money to buy multiple popcorns, as in those days there was no such thing as the big bucket, let alone free refills.
Fast forward, and some things never change...
First, I ask them to fill the large bucket "really high, please, I haven't eaten all day, and I'm starving." Ok, so I probably did eat earlier, but I need an excuse for asking for a ridiculous amount of popcorn, don't I? Which takes me to the next part of my routine. If the bucket's filled to the point of overflowing, I know exactly the pace to eat it so that it lasts for almost the entire movie. (Trust me, I'm not kidding!) And then, the final part of the routine … I don't start eating my popcorn until the movie begins. Not the coming attractions— the movie. (Unlike Black, who races to finish her small size popcorn by the time the movie starts as if it's something to be ticked off a "to do" list.)
So, think what you will, but for me, the popcorn's a critical part of what makes going to the movies so enjoyable. And has become an amusing memory for my youngest daughter and me, as many years ago, when we were in the concession stand line, she asked me what size popcorn I was getting,
I love you, honey, and you're so smart, but that may be the silliest question you've ever asked me. And, quite possibly, will ever ask me.
To this day, she still remembers it, and although she no longer lives at home, when she hears that I’ve gone to the movies, she’ll jokingly ask me what size popcorn I got. And in the same breath, answer the question. Because she knows that there’s only one answer.The biggest bucket available.
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.


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