| I can't believe it's been a year since they canceled last year's Houston Livestock Show and Rodeo, which means that it's been a year since COVID-19 has seemingly taken over our lives. It's almost hard to remember what life used to be like. | |
| I am not even sure we know how the "new norm" will look. And, believe it or not, I can still remember the dilemma you faced in terms of Sawyer and the Houston Rodeo. But, the fact you used me as your sounding board, for what I remember as countless hours, may explain it. | |
| The mom in me just wanted to lock her in the house until we knew more about COVID-19. But I also knew the carnival and concerts at the Houston Rodeo are far and away one of the highlights not only of Spring Break, but her entire year. | |
| Well, the fact they canceled it after the first week made your life – and mine – much easier. So, looking back, do you think you would have stopped her from going? | |
| Hello? You still there? |
| Yes. I'm thinking about how to answer that. Part of me wants to believe that I'd have exercised my parental right to use "tough love" … but honestly, I really don't know. But what I do know is that looking back, I'd do things differently. | |
| Really? I know you were borderline fanatical about cleaning your groceries for a long time, but many people were. And although Mom, who says she understands, will probably never forgive you for only seeing her "through a window" for almost a year now, even though it is for her own safety. | |
| No, I meant further back in time. This past year has had me thinking about all the things I didn't do over the years. And how I always took for granted that I'd be able to do them. Then, overnight, I couldn't. | |
| It is funny you mention that, as various business publications are predicting a boom in travel once things start to open safely. In fact, some Christmas 2021 cruises are already sold out. | |
| Cruises aren't on my list, but travel is. Over the years, my reasons for not traveling were cost-related, but I also struggled to find the time given the girls' schedules and us always being so busy with Red & Black. Bottom line, there were always reasons not to do it. And now I regret it. Not for the missed trips themselves, but for the opportunity to create memories, as some of my fondest memories are from trips. And I don't mean the things I saw; I mean the time spent with those I was traveling with or traveling to see. | |
| First, no one ever said on their deathbed, "I wish I had worked more." Smarter maybe, but not more. Second, then make "memory making" a priority and start immediately. Call or Zoom friends, do a COVID-safe staycation, take a day-long road trip. Be creative. | |
| I'm already doing some of that, but the point I was trying to make is that I always thought I could do these things another time. Until life just seemed to stop. And then, a year later, you realize you might not always have the time you assumed you would. | |
| For years, I have said that the future is not a guarantee, merely an incentive. Unfortunately, I think the pandemic has made that painfully obvious for many people. | |
| Somehow, I don't think you're talking about trips. I know that life's full of regrets, but I imagine one of the worst ones is not being able to say goodbye to a loved one and realizing you never said or did the things you wish you had. It makes you think about the many things we don't do because we're busy and feel we can do it another time – simple things like stopping and spending a bit more time with your child, your partner, your parent – until you later look back and regret it. | |
| I think that is natural and, unfortunately, a part of life. | |
| I know. But this past year, more than ever before, has me thinking about things that I regret. Full stop. Some things go back many years, like losing touch with old friends, while others are more recent and make me wish for a "do-over". | |
| Well, it seems to me that you have two options. You can sit there and have your regrets. Or, you can learn from your regrets and do things differently. | |
| Hello. Are you thinking, again? | |
| Yes. You're right; I've been so focused on the things I regret, and have felt that I can never have another chance at, that I never even thought about how I can turn some of those regrets around. Or at least make sure I don't have similar regrets in the future. So, at the risk of regretting asking this question … do you have any regrets? | |
| Just as I do not take walks down memory lane, I do not "do" regrets | |
| So, you're trying to tell me there's nothing you'd do differently if you could live your life over? | |
| I did not say that. I said that I do not "do" regrets. However, making mistakes is very different from having regrets. | |
| Somehow, I knew I'd regret asking … |
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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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