| Well, it really depends on how much time I have. For example, it wasn't a natural disaster, but several years ago, a gas line at my house was accidentally cut during foundation work. All I did was run in, grab my daughter and dogs, the car keys, and got the "you know what" out of there. You hear stories of people taking photos, computers, and perhaps a beloved stuffed animal, but in that moment, all I cared about was saving the lives of my loved ones. Back in 2017, although I can remember it as if it were yesterday, when Hurricane Harvey was quickly intensifying and heading toward Texas, I had about six hours after getting a mandatory evacuation notice to get out of the house. So, at that point, I was able to not only pack my bags but also gather important documents and a few sentimental items (and move things to the second floor in case the first floor flooded). Granted, it was all in an incredible rush/panic, but I still had those few precious hours. Now, copies of all my important papers are in a binder and on a flash drive, both ready to grab. And I created a master "evacuation checklist" based on this hurricane checklist (as that's the most "common" natural disaster in Texas), in case I'm lucky enough to have time to pack. |
| Given that natural disasters do not always give you lead time, everyone should have an evacuation checklist. I based mine on this evacuation list (but, the Ready Campaign has lots of great planning tools) as well as experience, since Hurricane Harvey resulted in a mandatory evacuation of my high-rise. (The basement, where all the building's mechanical equipment is located, flooded and left the building without power and uninhabitable for almost two months.) All my digital files are on my primary computer, a laptop that I could grab. I know I could back up to the cloud, but am paranoid about security breaches, so I automatically back up everything to an on-site backup, and to two portable hard drives. (Ideally, I would keep one in a safety deposit box.) It is part of my “evacuation time capsule”. And, what I mean by that is … imagine you were going to lose everything in your home — determine what items you would want to “save” (whether for sentimental or practical reasons) and put them in a small piece of luggage or carry bag. The interesting thing is when you do that, you will most likely find the items you consider irreplaceable are not the most expensive ones (those become your insurance company’s problem, anyway). |
Were you surprised you were asked to develop — and teach — a personal finance program?
| Are you kidding?! I'm a cookie-baking carpool mom, and although we had just published a book based on my "crisis", we didn't even think of ourselves as authors. (My sister saved our emails and Instant Messages, and has never told me if she taped our phone conversations!) And the book was supposed to be the basis of a sitcom! We had literally done one speaking engagement and now were being asked to get in front of classrooms full of high school seniors for a semester-long course. During their LAST semester! Surprised? "Shocked" might be a better word. Or, maybe "panicked." | |
| My immediate reaction was, "Sure, not a problem." Then, while Red was busy panicking, I focused on how to get it done. The request was in keeping with KIPP's approach to looking for non-traditional methods of educating students, so they agreed when I asked for a task force of students to help us develop the program. (I knew it had to be relevant or there was no point in doing it.) And, it was the students who suggested we use our book as a textbook, calling it a "reality show in a book" … which, at least, validated my idea that the book could be the basis of a sitcom. |
Want to know more about our book?
JUST LIKE MOM?
One of the things that drove Red crazy growing up was when our mother asked everyone questions. Lots and lots of questions. But that was because Red was a quiet, unassuming child who disliked attention of any sort. However, as she grew up, she realized how else do you find answers? Black, on the other hand, rarely asks personal questions, figuring if you want her to know something, you’ll volunteer it. But that doesn’t mean she doesn’t ask questions. Lots and lots of questions. (WARNING! Her favorite one is, “Why?”)
OUR FAVORITE QUESTIONS …
Our favorite part of Speaking Engagements is when we open it up to questions from the audience, and, more often than not, we run out of time before we run out of questions. Many times, the questions are predictable (Did Red’s husband ever get a job?) and sometimes they’re not what we expected (What did Black learn from Red? FYI, she had to pause before answering). However, given Black turned Red’s crisis into a book — a brand — a business, we haven’t gotten a question that we refused to answer. (Note: Please do NOT take that as a challenge.)
We’ve also done countless media interviews, and the questions from media professionals are not very different from the ones at speaking engagements. However, many of them provide us with an opportunity to share food for thought and “instantly actionable” suggestions, so we’ll share the “better” questions with you.
QUESTIONS WE ASK EACH OTHER?
If you’re wondering if we ever generate the questions, the answer is “yes.” Why? Because sometimes one of us wants to know how the other one would answer it. Typically, Black’s curious about Red’s self-proclaimed “mere mortal” take on a topic, but sometimes it’s Red needing a non-emotional perspective.
SEND US YOUR QUESTIONS!
We love questions. And, yes, you can submit one. (Red gets very excited when they arrive in her inbox.)
If you receive our newsletter, you’re part of the group we invite to send questions to Red, Black, or both of us.
We read them almost immediately. (Red insists.) From there, we select the questions most likely to resonate with our community — ones that are useful, thought-provoking, or simply fun.
Because the goal isn’t just to respond. It’s to make it worth sharing.
P. S. — If you want to be part of this community, sign up on the sticky bar at the bottom of this page.
| Oh, there are more days than I'd care to admit that I'd be grateful if it were just my desk that had too much paper on it, as I've been known to use my floor as a filing system. Really! And I've been known to complain about feeling like I'm drowning in paper on way more than one occasion. So, what do I do? Well, after kicking myself for letting things (once again) get out of hand instead of keeping on top of the paper clutter, I take a deep breath and remember the advice that Black gave me years ago. And although I initially resisted following her advice, once I gave in, I found it was the perfect (and easiest) way to turn mountains of paper into manageable stacks. But since it's her "system", I'll let her explain it to you. | |
| All those words and Red provided only empathy — but no real advice. However, she raises a good point in that paper will always accumulate, and we should strive to keep it from getting out of control … versus trying to control it "perfectly". Now, in terms of the advice I gave Red, our accountants would suggest I refer you to our book, but I hate when people do that. Instead, we put the relevant excerpt on this site: Too Much Paper — Not Enough Time. But, here is a short version ("short" in terms of explanation, not the time it will take to make the piles shrink): take a handful of papers and begin sorting them into piles based on priority — immediate, this week, next week, next month, next lifetime. You will quickly realize that the majority of the items will be very low priority, such as reading, filing, or shredding. And, separating out the highest-priority items will not only help you focus on them, but will also reduce the stress of wondering if there is something important you are forgetting to do. |
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Don’t Expect A Compliment From A Sarcastic Sister — But Have A Comeback