Words & Banter

It’s Not Complicated … It’s Just DOLLARS & SENSE

Money. It’s the first thing Red thought about when her husband came home and, totally unexpectedly, told her he was fired. And what was the first thing she did? She freaked out (Black likes to say that Red finally used her theater degree), assuming the worst about their financial situation. And if that wasn’t bad enough, she was certain she couldn’t “do” personal finance.

She then made a third foolish assumption … that her sister Black, who had an M.B.A. in International Finance, would tell her what to do. Instead, after giving Red a few days to deal with her emotions, Black started to ask her basic questions about their financial situation, and it became obvious Red’s default setting was to “freak out”.


And so Red’s journey (which Black turned into our bestselling book, What I Learned About Life When My Husband Got Fired!) began with learning the basics of personal finance and, ultimately, she’d realize that Black wasn’t being sarcastic when she said,

When it comes to money, you have two choices: you can let your money control you, or you can control your money.

But first, Red, a straight-A student, had to overcome the unfounded belief that she wasn’t capable of learning about money. She had to find a way to get around the mental roadblocks of being intimidated by financial terminology and concepts, which the very thought of gave her a headache. And then Black simply asked,

Can you add and subtract? If so, you’re qualified to “do” personal finance.

So, whether you’re more like Red (was), feel like you’ve got a good handle on your money but are always looking for tips and tools, or merely are curious about Black’s unusual ways of looking at money (or her sarcastic comments), we think you’ll enjoy the DOLLARS & SENSE section on our new site in the new year.

Until then, and especially since “tis the season for spending”, we want to share some of our favorite money posts:

P.S. – And whether you’re trying to survive the holiday season (this checklist is about more than just money) or looking forward to a fresh start in the New Year (although maybe not the “resolutions” part), stay tuned as later this month we’ll have a post dedicated to THE BIG PICTURE. (FYI, our subscribers get sneak peeks before we post online.)

We’ve never been huge fans of social media.

How’s that for an opening sentence on a post where we announce that we’re finally on Instagram?! And we’re revamping our other social media platforms.

So, why now?

Because the world is changing – and we’re all being inundated with opinions, politics, and misinformation. Not to mention artificial intelligence. People are looking for authenticity (what’s more “real” than real sisters?) and human intelligence. Or, at least, human connection.

We’re going to stay true to ourselves and continue to focus on content that will (hopefully) help people laugh, learn, and build community alongside us. (OK, there may be some eye-rolling at Black’s unexpected comments or Red’s “cluelessness” at times.) On social media. With our merchandise. On this site (now and even more so after the update).

For those of you who use social media, we’d love it (well, Red would "love” it – but Black would greatly appreciate it) if you could check us out – and if it’s not too much trouble … HELP US SPREAD THE WORD!

  • Instagram: Follow us and share in your story
  • Facebook: Follow and join in the conversation by commenting
Photograph of Jackie Aguilera courtesy of Jackie Aguilera

Every time we meet with Jackie Aguilera, we’re still in awe of her expertise and experience in adult education. She continues to bring creativity and passion to her students, while also raising awareness that literacy is about so much more than reading and writing. September is National Literacy Month, so we’re re-running this post because it’s even more relevant today than when it was first written.

Although we have an update: Jackie’s no longer with the Mayor’s Office of Adult Literacy, but given the high demand for her expertise, we wonder if she’s going to take a position with another entity or share her knowledge as a consultant. Regardless, we know she’ll remain a bright light in the world of adult education.



red headred headassets.rebelmouse.io

I have a confession to make, which I’m sure will make you roll your eyes.


Black's HeadBlackassets.rebelmouse.io

Interesting caveat and probably true.


red headred headassets.rebelmouse.io

Every time we meet with Jackie (Aguilera) from the Mayor’s Office of Adult Literacy and hear what she’s doing in the world of adult education, I feel like I’m back in school and having to take copious notes.


Black's HeadBlackassets.rebelmouse.io

I am more than happy to send you “homework assignments” as I come across relevant articles and research.


red headred headassets.rebelmouse.io

Thanks, but no thanks. I’ll stick to taking notes. But that does explain why you’re so knowledgeable about literacy.


Black assets.rebelmouse.io

But, reading information is very different from being at the forefront of literacy innovation. And, if we had never met Jackie, I never would have realized how literacy is more than the dictionary definition, and encompasses more than just reading and writing.
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Familiar with the saying, "It’s not the heat, it’s the humidity”? Well, with unbearably hot temperatures around the country, does it really matter which it is? Or even if it’s both?! Which is why this older “Ask Red & Black” is still relevant



Red's Headassets.rebelmouse.io


I'm laughing because I suspect Black would argue that I rarely look "nice" in the sense that I rarely "dress up". Even before the pandemic, unless I had a Red& Black business meeting or speaking engagement, my normal "look" was that of super comfy – workout or very casual clothing and minimal makeup. Here in Texas, where the heat and humidity are oppressive, I'm always looking for tips because the moment you step outside, you're going to start sweating, your makeup will drip, and your hair will either frizz or wilt (neither's a good look for me). So, I keep my skincare simple and summer-friendly – extremely lightweight, tinted facial moisturizer with a high SPF (so I only need a single product) and waterproof mascara.

I've never been very creative when managing my long hair for the summer, but my daughter let me in on a secret when she straightened my hair for me. Unlike my rushed approach, she took an extra 10 minutes to do it in smaller sections, which looked great when my hair was down, but amazingly, even made my ponytail look "finished". Taking a little more time to do it right makes a huge difference, as now my hair stands up to the heat and humidity. (Good news is she's always willing to do it for me, bad news is that she goes to college in a few months, so I'll have to learn how to do it myself.)


Black's HeadBlackassets.rebelmouse.io


When I started racing cars in the mid-1990s, I cut my hair very short so I could easily style it with some water and hair goo when I removed my helmet, which makes it perfect for summer. (Plus, I calculated that I could save over 10 hours/week, or five full days a year, by not dealing with my hair.)

In terms of clothing, it is a function of where you are going or where you work (obviously, if you are in the banking industry, you will dress very differently from someone who works for a design or marketing firm). For the last few decades, I have worn the same "uniform" – dark slacks or jeans, white shirt, blazer, and colorful Hermès shawl. In the summer, I select pieces that are light-colored, loose-fitting, and breathable fabrics, but if I had to give one tip, it would be to wear layers since going in and out of air-conditioning can be a challenge, although I see it as a fashion opportunity. In fact, that is how my "signature" shawls started as, regardless of the season, I would always have one with me to handle changes in temperature.