People have told us they're using our sisterly banter to start conversations with others (family, friends, and even in classrooms), so Black created "Conversation Starters".
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When my husband got fired, I was scared. Not just for me, but for my family. Why? Not
only the obvious reasons but having to deal with personal finance for the first
time (during a crisis, no less) was overwhelming. Especially because I thought you needed a
finance degree to figure it out. I knew that we were in a huge financial mess,
not because of the specific details of our situation, but because neither my
husband nor I knew where we stood. How
could two highly educated people be so clueless about their finances?! It may be human nature to fear the unknown, but feeling you have to face things alone makes it even worse. I knew my husband wasn't going to be much help, so I turned to my sister, the one with the M.B.A., hoping that she'd tell me what to do. Instead, she insisted that I had to learn to do it myself, not only for my own good but so that I could then "teach" my daughters. Luckily, she guided me step-by-step, although the last thing I ever expected was that she was keeping notes and would turn my crisis into a book! (She thought it would make a great sitcom!) |
| What are big sisters for? Anyway, fast forward to the first time I remember hearing the term "financial literacy." It was when
we were asked to "teach" it at
KIPP Houston High School, and although they explained it as understanding
money and personal finance in order to make smart financial decisions, I did
not like the term. It immediately made
me think that the opposite of being financially "literate" is being "illiterate," which has a
negative connotation of being uneducated or ignorant when, in reality, it is a
function of never having been exposed to the subject matter and/or recognizing
its importance.
Red and I are perfect examples. She had been a straight-A student who went to a prestigious college yet managed to avoid learning about money and personal finance until she was almost 40. My situation was even more extreme. I have an undergraduate degree in Economics, and an M.B.A. in International Finance, yet did not apply what I learned about money (on a macro, or big picture, level) and corporate finance to my finances until I was almost bankrupt. |
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Black
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THE CONVERSATION STARTERS
- Have you or your family been personally affected by financial literacy issues or challenges? If so, how have they impacted your life?
- Why do financial matters and topics seem so daunting?
- How is it possible that Red and Black, both highly educated people, could be "so clueless" about their own finances?
- Obviously, becoming financially literate has a profound effect on the individual. What are potential ripple effects?
People have told us they're using our sisterly banter to start conversations with others (family, friends, and even in classrooms), so Black created "Conversation Starters".
| It's funny, given my love of history and being a straight-A student, I still feel that I know very little about the U.S. Constitution. Except for the obvious. That after we declared independence from England, the original “constitution” was the Articles of Confederation (don’t ask me why I remember this, although I probably memorized it for a test). But even though we called ourselves the United States of America, it gave the states too much power, and once it became obvious that it wasn’t working, was replaced by the Constitution. And I know that it begins with what’s probably the most famous three words in this country’s history, “We the People,” and provides for a stronger federal government, with three branches (executive, legislative, and judicial) specifically designed to have checks and balances, so that no single branch would have too much power. But until recently, with all the focus on abortion and gun rights, not to mention the controversy about the Supreme Court, I had never really thought about the Constitution. Especially not the bigger picture, and how things seem to have gotten out of hand with government officials focusing on politics and positioning and forgetting those three incredibly important words … We the People. |
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Yes, not “We the Democratic Party,” not “We The Republican Party,” … We the People. And, for someone who self-proclaimed a lack of knowledge, you gave an excellent overview. However, I will admit I am more intrigued by constitutional law than the history of the Constitution, but you cannot separate those two things. Anyway, for the same reasons you mentioned, I did some research (“homework never ends”) and was surprised to learn that the original document was only four pages long. Of course, that was hundreds of years and 27 amendments ago. But, proves it was designed to be a living document, not just history. Unfortunately, although conceived with checks and balances, and to represent the will of the people, the Constitution and its amendments seem to have become an assortment of political powerplays, “convenient” interpretations, and polarizing arguments. All with easy-to-quote sound bites. I cannot imagine our forefathers envisioned their words would be used to manipulate or “divide and conquer” when they said, “We the People of the United States, in Order to form a more perfect Union …” |
red head
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THE CONVERSATION STARTERS
- What do you know about the Constitution? Have you ever really thought about what it means in terms of the United States? Or how it impacts you personally? Explain your answers.
- Take a current major issue (abortion, gun control, same-sex marriage, etc.) that concerns you. Do you know what the Constitution has to say about it or, perhaps, more importantly, doesn’t say about it? How do we find consensus on the issue to clarify the situation?
- Do you think a document originally created in the 1700s can still be relevant today? Explain your answer.
- What does “We the People of the United States in Order to form a more perfect Union” mean to you? Why do you think it is the opening of the U.S. Constitution?
People have told us they're using our sisterly banter to start conversations with others (family, friends, and even in classrooms), so Black created "Conversation Starters".
| I keep thinking about global
warming and weather
events, especially as it seems they’re becoming more
catastrophic with each passing year. And as a mom, I can’t help but think about what kind of world we want to
leave our children, grandchildren, and hopefully generations beyond that. It makes environmental issues, such as the importance
of recycling and the impact humans are having on endangered species, even more critical.
When it comes to “saving” the environment, I’d like to believe that we all want to do our part. But sometimes, I don’t know what to do since it’s such an overwhelming issue. Plus, and I almost hate to admit this, sometimes it’s difficult to “buy green” or environmentally friendly when you’re on a fixed or limited budget. Although, thanks to Black, I’ve learned about greenwashing and that just because a business says they’re environmentally “friendly”, that doesn’t mean they are. |
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When it comes to climate change and the environment, many blame the “older” generation, saying we allowed this to happen because, for
decades, we did not do anything to prevent it. Increased use of cars and electricity. Burning an ever-increasing amount of fossil
fuels. Not “going green”. Not even
thinking about it. All of which led to where we are today.
Red often calls me a “debate queen”, so I want to point out that our generation drank water from the tap, used cloth diapers, returned glass milk bottles (also soda and beer bottles) for deposits so they could be reused, and saved/reused plastic grocery food containers. We even reused brown paper grocery bags by repurposing them into textbook covers. All before recycling was "a thing”. (FYI, there are 3-Rs: Reduce, Reuse, and Recycle, and recycling is not necessarily the best option.) I also want to point out that if you do not know you are causing a serious environmental problem, why would you change what you are doing? But, the more important question is who did know, and why were we not told? |
THE CONVERSATION STARTERS
- What is “environmental literacy”? Before now, have you ever thought about it? Why is it important?
- Why do environmental issues seem so daunting?
- People often use the phrase, “Actions speak louder than words.” How does that apply to the environment? What actions have you taken? What actions can you take?
- Do you believe human activities contribute to climate change? If so, what should we do about it? If not, what do you think causes climate change?
People have told us they’re using our sisterly banter to start conversations with others (family, friends, and even in classrooms), so Black created “Conversation Starters”.
Given all the challenges of this year’s summer travel – gas prices, canceled flights, lost luggage (Delta sent an empty plane to retrieve luggage stranded at London’s Heathrow Airport) – we all need to think before traveling (and not just about packing lists, trip itineraries, and cost). Last year, when Red started talking with Black about summer escapes, she quickly realized that WHY you’re traveling is the first thing you should think about.
| It's great that instead of dreaming about vacations after the pandemic, we can start planning them again. Of course, even if we're vaccinated, we still need to be careful and take precautions. I know that vacations are supposed to be a way to escape stress, but there's always stress associated with planning them, getting ready to be away, and then, ultimately, having to pay for them. Years ago, I learned the value of staycations but would take it a step further and check into a local hotel since I knew I needed to get out of the house. But I've never really been one to go on vacations – unless you call traveling out-of-town to one of Sawyer's volleyball tournaments a vacation. In many ways, one of the last "real" vacations I had was when the girls were young, and we'd try to get away every August to the Hyatt Hill Country. Although it was only a few hours away, and we didn't escape the heat and humidity, we were able to have a change of scenery, relax, and spend quality time together without everyday life interrupting. |
| It sounds like you identified "why" you wanted a vacation, and what you wanted to accomplish. For me, I realized escaping to a great hotel with a first-class spa did not require getting on a plane, although there was a time when my vacations were based on golf courses I wanted to play, museums I wanted to see, or friends I wanted to visit. The key is knowing your objective. And, by the way, the same logic applies to business trips, now that Zoom (and other virtual meeting options) has proven that meetings, and even conferences, can be done remotely. Obviously, more efficiently than in-person, but with clear objectives can be as productive and maybe even more so. Interestingly, many people are planning "revenge travel" but I doubt that business travelwill be as quick to recover. |
THE CONVERSATION STARTERS
- Before you travel, do you take time to think about the purpose or objective of the trip? Why or why not?
- Are there different ways to achieve the same objectives? What are the pros and cons of each?
- How has the pandemic changed your thoughts about traveling?