| Well, it's a new year but it really doesn't feel much different from last year. Even though there's a vaccine, the coronavirus is still a gray cloud hanging over us. Combine that with resolutions that typically don't last more than a month or so, and it's not a good start to the new year. | |
| The new year is a date on the calendar. It would be like saying Wednesday really does not feel any different from Tuesday. It is a mindset and an attitude. And, obviously, yours is focused on the negative – not the positive. | |
| I know I should treat the new year as a new beginning. You know, the concept that's the basis of countless articles and news features. But it just seems like an almost impossible task. |
| Speaking of difficult tasks ... how is the new computer? I know that you were dreading having to deal with it. In fact, you fought it until you finally had no choice. | |
| I know. But now I love it! It's so fast and much of what I thought was going to be difficult to learn was actually pretty intuitive, even for me. And I know this might sound crazy, but the best part was that since all of my old emails (all 25,000+ of them!) are now archived, opening Outlook every morning's no longer stressful. | |
| Makes sense. I am almost afraid to ask, but I know you were freaking out that the discontinued version of Franklin Planner software you use for all your "to do" tasks might not transfer. Any luck? | |
| Initially, I was freaking out because I had a ton of stuff on it. But then I started preparing for the worst – that everything would be lost – and that's when I realized that I didn't use or need most of it. Although all the old data did end up being lost, the software transferred. Now, I'm only using Franklin Planner for important things or where I need reminders. And I love seeing only a few tasks vs. long lists of things that would make me feel like a failure for not getting through them! | |
| So, let me understand. The new computer is like a clean slate. Where you can focus on important things versus agonizing over things that are merely carried over. Is that correct? | |
| Exactly! You call it a "clean slate" but I see it as a new start. It's just a coincidence that it happened at the end of the year. Anyway, it's great! | |
| OK, so how about taking that same approach to the new year? | |
| That's why you changed the subject to my new computer! You tricked me. But I'll forgive you because that's a really interesting way of looking at 2021. But life's not that easy. You can't ignore the past. With my computer I really had no other choice. | |
| You are not ignoring the past; you are merely putting it in perspective and hitting "reset" before moving forward. | |
| A reset … I like that! I know it may just be words, but that just seems so much better than a resolution. | |
| That may be because a reset allows you to truly start fresh, to focus on what things you want to do or do better. Since you are not overwhelmed with lists and "good intentions" from the past, it is easier to identify what is truly important. Including things that may have gotten "lost" along the way. And, that is before taking into consideration that the pandemic has changed everything. | |
| There's an understatement. When I was looking at my old lists it became obvious they were filled with many unimportant tasks. But what was really a wake-up call was realizing how many things that I took for granted – that I just didn't appreciate enough at the time and now miss. | |
| I think many of us do. It sounds like a cliché but a crisis forces us to think about what is truly important as well as what we take for granted. Often times it is a personal crisis, as you well know, but this happens to be a crisis that is impacting everyone. | |
| And almost everyone I've talked to, talks about how it's not only impacted their lives but made them relook at their priorities. | |
| That is to be expected. But, unfortunately, when a crisis passes, it is easy to fall back into our old ways. Except this crisis has been going on long enough that it is hard to remember what we used to consider "normal" … | |
| I know, and that makes me sad. | |
| I think that is where we started this conversation, with you choosing to look at the negative versus the positive. | |
| I'm sorry, but it's not easy to look at what we're all going through as something positive. | |
| Well, it is not something we would intentionally want to go through, but we are here now. And, 2021 is the start of a new normal. | |
| Well, in that case I think we should wish everyone a Happy – and Healthy – New Normal! | |
| You just did. |
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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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