Our banter may start with two sisters, but it’s getting families, friends, and even classrooms talking.
| 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 we were in a huge financial mess, not because of the specifics 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 bestselling book! (She thought it would make a great sitcom!) |
| 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. |
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Black assets.rebelmouse.io THE CONVERSATION STARTERS
- Why do financial matters and topics seem so daunting?
- Have you or your family been affected by financial literacy issues or challenges? If so, how have they impacted your life?
- How is it possible that Red and Black, both highly educated people, could be "so clueless" about their own finances?
- Red mentioned the ripple effect of being able to teach her daughters. Are there other ripple effects?
Our banter may start with two sisters, but it’s getting families, friends, and even classrooms talking.
October is Health Literacy Month, and if you've ever struggled to understand medical terminology, figure out what health information to trust, or weigh the risks and benefits of treatment options, you already know why health literacy matters.
Each of us approaches health information very differently, but as you'll discover, even Black, who enjoys statistics and research, finds navigating healthcare complicated. And Red? Just thinking about it can give her a headache!
| As a mom, over the years, I've had to become familiar with various children's health issues and basic healthcare (and don't get me started on health insurance). But whenever it was something more than the common cold or flu, a stomach ache, or the usual scrapes and bruises, I felt like I was back in school. And between the terminology and trying to understand how the body works, I often felt like I needed a nursing degree. Not to mention, there's so much information on the internet, it can be overwhelming as well as confusing and sometimes scary. Over the years, I've also had to deal with my aging parents' more serious health issues, and I've lost count of the pages of notes I've taken and questions I've asked. Or the conversations discussing risks vs. benefits that I've had with medical professionals and my sister. (I'm glad Black finds statistics "fun" and can look at them unemotionally because they give me a headache.) |
| Until recently, I had never heard the term "health literacy," and when I first did, I initially thought about general literacy skills such as the ability to read and understand numbers. Skills that are essential if you are sick and need health information and services, but also impact health decisions that should be simple, like filling out forms, taking over-the-counter drugs (aspirin, cold and flu remedies, etc.), and learning about the things we should (or should not) do to live a healthier life and reduce the chances of serious illness. But then, I thought about how anytime I had to deal with a health issue, especially ones that could potentially be serious, it was a tedious, complicated, and technical challenge. And, at the risk of sounding arrogant, I like to consider myself well-read, pragmatic, and comfortable with numbers and research documents. In other words, although it impacts some people more than others, the issue of "health literacy" affects us all. (And, that does not even address what it does to the cost of healthcare.) |
red head assets.rebelmouse.io THE CONVERSATION STARTERS
- Before now, have you ever thought about "health literacy"? How would you describe it? What impact does it have on your life? How can it impact your ability to be successful in the workplace?
- Why do health and healthcare topics seem so daunting?
- Does health literacy only impact you when you are facing health issues? Why or why not?
- Have you ever had a medical situation or condition that required you to learn more about it? Where did you seek information? Did you have any problems learning about it?
Sometimes, the hardest part of a meaningful conversation is simply getting started ...
| I love that people told us they were using our sisterly banter to start conversations with family, friends, coworkers, and even in classrooms. But I had to laugh when you then decided to create an assortment of CONVERSATION STARTERS. |
| | It seemed logical to me. Begin with us looking at a real-life topic and providing our very different (to put it mildly) perspectives. Then, provide a few questions to help continue the conversation, consider other viewpoints, and perhaps learn something new. About the topic and one another. |
| The best part is that there are no “right” or “wrong” answers. You may not agree, but you can still listen, be polite, and respect differing viewpoints and opinions. The point is to … |
Red assets.rebelmouse.io Stop, think, listen, and talk.
Red & Black Conversation Starters … Pick a topic. Read the banter. Choose a question that interests you. Or create your own. The questions are simply there to get the conversation started — where it goes from there is up to you.
P.S. – Readers are telling us that our weekly newsletters are getting them thinking, talking, and even laughing. But don’t take our word for it, sign up at the bottom of this page and see for yourself!
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