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?
P.S. – You might be interested in this animated video on Personal Finance we did as part of a soft skills series for The Greater Houston Partnership's UpSkill Houston initiative.
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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Growing up on Long Island in a Jewish home, I didn’t think
twice about my best friend (who’s still a close friend) being Italian, although
we did have different cultural and religious beliefs. And although we lived close to New York City,
it wasn’t until I went to college in North Carolina that I met a Black person
(and a Southerner, no less). She and I
quickly became good friends and laughed at the fact we had the same last name,
but that’s where the similarities ended. Yet, I had never really thought about
diversity,
or to be honest, even heard of the term, until you had us working on
Career & Technology Education
(CTE) curriculum, and we did a soft skills worksheet
on it. That’s when I discovered that
“diversity” was actually a “thing”, although lately, it seems to have become a
political
topic
.
But once I was aware of it, I realized how much I learned from being friends with people who have different perspectives and experiences than I do. Of course, having a sister who at times seems more like a Vulcan, likes to push me outside my comfort zone, and makes me look at things from different viewpoints, has made me a better person – both in terms of newfound knowledge as well as a greater appreciation for how and why others may see things differently . |
| Vulcan or otherwise, there were things to learn from Spock, which highlights the importance of diversity. In the broadest context, diversity introduces us to unique experiences and perspectives. In the workplace, it is often referred to as Diversity, Equity & Inclusion (DEI), but I will stick with diversity (for now), which includes not only race, sex, and age, but also gender and sexual orientation, disabilities, religious beliefs, and socioeconomic status, and I am guessing there are other differentiators. I think it is as simple as accepting that not everyone is alike. (How boring would that be? It would be like only having vanilla and chocolate ice cream.) And, recognizing that differences are not right or wrong; they are differences. From a business perspective, the more you look at things from different angles and perspectives, the more fully (and more creatively) you will see things, which in turn, helps you better understand and provide value to your target market. I know I said I would not get into equity and inclusion, but I love this quote from Vema Myers, “Diversity is being invited to the party, inclusion is being asked to dance.” |
red head
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THE CONVERSATION STARTERS
- Define diversity. What does diversity mean to you? What are its challenges and benefits?
- The concept of diversity in the workplace encompasses acceptance and respect. But that also applies to your personal life. How can your actions and behavior help or hinder the situation?
- Are your friends and workplace associates a diverse group of people? If so, what have you learned from them? If not, why not? And would you be willing to proactively get to know people outside your "usual” circle?
- Do you think “diversity” is seen differently by different generations? Why?
Design by Sawyer Pennington
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’m really looking forward to Thanksgiving this year,
especially since last year was the first since Mom passed away, and the dining room table seemed incomplete. Which may partially explain why we ended up
sitting around the kitchen table and island instead. And that was wonderful – so relaxed, easy,
and fun – but I still couldn’t help but think of her not being with us. It’s funny because, over the years, even as
life changed, such as the girls growing up and going off to college, I’ve
always taken for granted that Thanksgiving would somehow always remain the
same, cooking the same dishes, with all the preparation beginning days in
advance. So, I'm not sure that I truly stopped and appreciated each Thanksgiving Day as I was so focused on everything I needed to get done. This year, though, I plan to take a moment to stop and think about some of the things I'm thankful for, and to start appreciating the day itself. To try to "be present", so to speak, in the present. |
| I know that Thanksgiving is about giving thanks, but what
you just described is gratitude. Gratitude is "deeper" than
thankfulness, and the best way I can describe it is … think about when
you might write a thank you note – someone gives you something or does something
for you. It is a fleeting event. Now think about if you were to write someone
a note or letter of appreciation.
You have repeatedly told me that mere mortals often need reminders, so what if this Thanksgiving you start a "gratitude habit"? Make a daily appointment with yourself to find a few quiet moments and write down at least one thing for which you are grateful. It can be as simple as sunlight on your face or the crunch of an apple. You are probably rolling your eyes right now, but it will only take a few minutes and can change your life. Or, at least, how you look at it. |
THE CONVERSATION STARTERS
- If you look back, what or who would you appreciate (or appreciate more) that you didn’t at the time?
- If you begin to appreciate the value of appreciation (pun intended), what might you want to be mindful of going forward?
- Do you think a "gratitude habit" might be useful? Would you be willing to "test-drive" (Black's words) one for a month and see if your opinion changes? Explain your answers.
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".
No one likes to feel out of control, unprepared, and scared. But as Red will tell you, life can change in an instant (whether it’s a crisis impacting many or one that seems very personal). She’ll also tell you that when everything seems so negative, it’s difficult to have a positive mindset (or even a non-emotional perspective) …
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In some ways, it seems like decades ago that my husband got
fired, in other ways it seems like yesterday. I felt then so many of the same emotions that people are going through today
due to the coronavirus. I was so
scared. And unprepared. At the time, I thought he'd work for the company
where he had been for years until he retired, and by then we'd have a second
home and would live happily ever after. I never thought anything would change that plan. Everything was perfect, until my life,
literally overnight, became a living nightmare.
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Yes, and as I told you at the time … you needed to calm
down. I said that a lot. Still do.
Anyway, I remember telling you to take a deep breath … and that you
would get through it. And, you did. Although
you constantly questioned whether you had the ability to do so.
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THE CONVERSATION STARTERS
- Your life can change in an instant. Can you be prepared? How can you plan for the unknown?
- What are other unplanned life events?