People have told us they're using our sisterly banter to start conversations with others (family, friends, and even in classrooms), so Black created "Conversation Starters". Stay tuned as we'll be introducing new topics on a regular basis!

red head red head

I have to tell you that when I first moved to Houston, I was not only totally clueless about how to deal with hurricanes, but was really scared of them. Years later, it's not like I welcome them, and after having to evacuate from Hurricane Harvey, I still can feel myself stressing out at the mere mention of a potentially serious hurricane coming our way. But, at least, I have my beloved lists, and year-round I have many things already in place (non-perishable food, plenty of water, candles, and extra batteries) plus last-minute items (keeping all my gizmos charged, gas in the car), the lists go on and on. But when last month's Texas winter storm was first forecast, it caught me off guard as I realized that a prolonged cold weather event has its own range of serious issues not typically experienced in Houston and the surrounding areas – like how to protect pipes and deal with loss of power when you have sub-zero temperatures for a long period of time. It's frustrating because although I'm a planner and love my lists, I felt totally unprepared.

black head

What happened in the Houston area, and Texas, during that storm is inexcusable and was avoidable. And embarrassing as it was such a massive "fail" of a major point of state pride: energy independence. For individuals, there is a limit to what you can do for a rare event such as a historic winter storm as our houses and apartments were never constructed for extreme cold.

I, too, was as prepared as possible but there comes a point where you have to recognize that somethings are totally out of your control. And, all you can control is how you deal with the situation. Within a few hours of my high-rise losing power (we frequently lose power), I booked a room in a hotel down the street that still had power as I would rather have a room that I did not need versus needing one and not be able to get it (the hotel was totally booked within hours). I know that I was extremely fortunate – for many reasons. Unfortunately, many people were left with minimal or no options. Hopefully, Texas will start taking action now in order to be better prepared for next time …


  • How much can you prepare for the unexpected without driving yourself (and others around you) crazy?
  • What potential weather-related events can cause disruptions to your life? Do you have an emergency plan in place? If not, why not? If so, do you review them on a regular basis?
  • Hindsight should be 20-20. Did you learn anything from this storm (or other weather events) that will help you be better prepared for future events? If so, what?

People have told us they're using our sisterly banter to start conversations with others (family, friends, and even in classrooms), so Black created "Conversation Starters".

Red's Head

When I first heard the term "digital literacy," I wasn't exactly sure what it meant, but I'll admit that I feel like a dinosaur when it comes to technology, and usually turn to my daughters for help. I don't know if it's just generational, but I'm intimidated by my computer, and although I can do the basics, any time things go "wrong" I default into panic mode, followed by feeling lost and frustrated. And the thought of buying a new computer? Well, it gives me a headache – not only the cost but especially learning how to use it. And if I lose internet service, I feel disconnected from the world. (I guess that can sometimes be a good thing.)

Then there's my cell phone, and I admit that smartphones often make me feel stupid. I remember when phones were landlines, and cordless was a big deal. Now I'm walking around with a small computer that also makes phone calls and takes photos. I've learned how to text, load some simple apps, and even how to set the alarm clock, but that's about it.

Black's Head Black

I know us "older" people think younger people are technology-savvy, but many are merely technology-dependent, which is very different. Technology is much more than access and setup. Being able to use computers, smartphones, and the internet covers a wide range of "basics" (such as emails and other communication tools, web browsers, and search engines), and there are specific computer skills that improve our productivity (such as word processing and spreadsheets). Now, you often need web conferencing skills (like Zoom or other audio and video applications) just to interview for a job.

But, that is only the beginning. Since we live in a digital world, we need the skills to find and analyze information, and also make sure it is accurate and credible. (What is that old adage, "Garbage in – garbage out"?) However, it is not only finding the right information, it is then knowing what to do with it. Including what and how to share.


  • How would you describe digital literacy? What skills do you think are necessary to manage daily life? To be successful in the workplace?
  • Why does using technology correctly seem so daunting?
  • What do you think is the best way to learn about technology and become digitally literate?
  • How do you evaluate the reliability of internet websites and other resources? How do you locate appropriate and credible sources of information?

P.S. – You might be interested in this animated video on Research & Analytical Skills we did as part of a soft skills series for The Greater Houston Partnership's UpSkill Houston initiative.

People have told us they're using our sisterly banter to start conversations with others (family, friends, and even in classrooms), so Black created "Conversation Starters".

Red's Head

When my husband got fired, I was scared. Not just for me, but for my family. Why? Not only the obvious reasons but having to deal with personal finance for the first time (during a crisis, no less) was overwhelming. Especially because I thought you needed a finance degree to figure it out. I knew that we were in a huge financial mess, not because of the specific details of our situation, but because neither my husband nor I knew where we stood. How could two highly educated people be so clueless about their finances?!

It may be human nature to fear the unknown, but feeling you have to face things alone makes it even worse. I knew my husband wasn't going to be much help, so I turned to my sister, the one with the M.B.A., hoping that she'd tell me what to do. Instead, she insisted that I had to learn to do it myself, not only for my own good but so that I could then "teach" my daughters. Luckily, she guided me step-by-step, although the last thing I ever expected was that she was keeping notes and would turn my crisis into a book! (She thought it would make a great sitcom!)

Black's Head Black

What are big sisters for? Anyway, fast forward to the first time I remember hearing the term "financial literacy." It was when we were asked to "teach" it at KIPP Houston High School, and although they explained it as understanding money and personal finance in order to make smart financial decisions, I did not like the term. It immediately made me think that the opposite of being financially "literate" is being "illiterate," which has a negative connotation of being uneducated or ignorant when, in reality, it is a function of never having been exposed to the subject matter and/or recognizing its importance.

Red and I are perfect examples. She had been a straight-A student who went to a prestigious college yet managed to avoid learning about money and personal finance until she was almost 40. My situation was even more extreme. I have an undergraduate degree in Economics, and an M.B.A. in International Finance, yet did not apply what I learned about money (on a macro, or big picture, level) and corporate finance to my finances until I was almost bankrupt.


  • Have you or your family been personally affected by financial literacy issues or challenges? If so, how have they impacted your life?
  • Why do financial matters and topics seem so daunting?
  • How is it possible that Red and Black, both highly educated people, could be "so clueless" about their own finances?
  • Obviously, becoming financially literate has a profound effect on the individual. What are potential ripple effects?
P.S. – You might be interested in this animated video on Personal Finance we did as part of a soft skills series for The Greater Houston Partnership's UpSkill Houston initiative.

When we first talked about how to change other people's minds in To Change Minds … Change Your Approach?, Red was shocked to learn that Black, her highly pragmatic (albeit extremely sarcastic) sister, who often thinks of disagreements as sport, actually suggested using approaches that seemed more in keeping with Red's "style" as a warm and fuzzy mom, who goes out of her way to avoid conflict.

Of course, that led to us talking (initially, Black thought Red just wanted to bask in the light of being right, but quickly realized that the straight-A student wanted to better understand the approach), and we ultimately created the following list because we both love lists.

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