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:
- TERMINOLOGY (AS EXPLAINED BY BLACK): RED & BLACK … Like Money More Than Math?
- A POWERFUL TIP: Think Before You Spend?
- MONEY & RELATIONSHIPS: My husband and I always argue about money. Any advice?
- CREDIT CARDS: My credit card bills are out of control! What do I do?
- BUDGETING (THIS IS A TRUE STORY): Black’s First Budget – A Fond Childhood Memory?
- ANSWER THESE QUESTIONS: Talking To Myself … About Money?
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.
| I have a confession to make, which I’m sure will make you roll your eyes. |
| Interesting caveat and probably true. |
| 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. |
| I am more than happy to send you “homework assignments” as I come across relevant articles and research. |
| Thanks, but no thanks. I’ll stick to taking notes. But that does explain why you’re so knowledgeable about literacy. |
| 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. |
| But that alone is such a critical part of all of our lives and can make the difference between struggling and success. Although I never stopped to think about any of that before we met Jackie. |
| The funny thing is we first met her because of financial literacy. |
| Yes, and I remember wondering why you decided we should go to a Houston Money Week meeting. And while our book was approved as a financial literacy textbook by the (Texas) State Board of Education, I still didn’t think we were qualified to talk about the topic. |
| But, we did go. And, we met Jackie. |
| That’s something I’ll never forget. I remember I let you do the talking when “newbies” had to introduce themselves, or I’d have talked their ears off. After the meeting, this confident but very approachable woman came striding across the room, extended her hand to me, and introduced herself. At the time, she was Literacy Coordinator at EastSide University. |
| All I remember was her energy, commitment, and passion for financial literacy. Not usually a topic discussed with such enthusiasm. |
| There’s an understatement. And not only did it take me by surprise, but I hate to admit it, it was contagious. Especially once we started working with her. |
| Another confession? |
| Maybe. Looking back, I still shake my head in amazement at the incredibly creative ways she made personal finance, typically such a “boring” topic, come alive. And how she used outside-the-box approaches to making learning relevant. |
| And, fun. I still cannot believe she was able to turn something as basic as one of our bookmarks into an hour-long interactive class – using it to not only get conversation going, but to introduce critical life skills. |
| I can’t believe how she incorporates our animated “teasers” into her literacy presentations. Using them to make a point in a light-hearted and fun way. Even if it points out how I was a poster child for not being “literate” when it comes to an assortment of life topics. |
| I dislike the term “literacy” because it makes people feel like they are “illiterate” when they do not know something. In reality, they may never have been exposed to the information or given an opportunity to learn it. |
| I can tell you first-hand that initially I felt stupid, until you pointed out I was merely sheltered. But that’s given me so much more empathy when I think of other people in the same position I once was. |
| Which is why she had us do an assortment of “ConversationStarters” for various literacy topics that she uses – ranging from where this all started – financial literacy – to digital literacy, health literacy, and even news literacy and environmental literacy. To make the topics accessible in a non-threatening way. |
| All I know is that she made me realize that literacy impacts every aspect of our lives. And it has an amazing ripple effect as it then lets us share our knowledge with our families. |
| You forgot to mention that Jackie made us aware of National Literacy Month, although I am not sure it highlights the full extent of the concept of literacy. But, anything that raises awareness is important. |
| I know it’s changed my life in many ways. And not only in terms of Red & Black, although being able to help her, albeit in a small way, help give people the desire, the confidence, the motivation, to learn is something I’ll always be grateful to Jackie for. |
| Since we are strolling down memory lane, I cannot believe you did not mention how working with Jackie all these years has led to a deep respect for her and the friendship that has developed. |
| So, are you going to confess that you can be warm and fuzzy? |
| Never. I was merely stating facts. |
Help, I’m melting! Do you have any tips for looking “nice” during the heat of the summer?
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 …
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.) | |
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. |
Staying Real … On Social Media?
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!