| I don't know about you, but although I knew that 2019was coming to an end, I hadn'treally been thinking about itin terms of the end of a decade. That is, untilI started seeing all thenewspaper articles and television programs not only running their usualyear-end summaries, but also looking back on the entire decade. | |
| Well, it definitely is not as biga deal as the turn of the century. I remember thateveryone was worried aboutY2K, and whether there would beserious computer problems related to going from 1999 to 2000. Plus, people wereworried there would be a champagneshortage. But, neither of those two "catastrophes" actually happened. | |
| Seriously? People were actually worried about a champagneshortage? |
| Wine producers and retailers probably started the idea of somuch celebrating, and not enoughchampagne. Turns out there wereshortages of some of the high-end champagnes in certain places, and overallchampagne sales were up significantly. | |
| I should've guessed that your memories would bebusiness-related. | |
| In that instance, yes. But, you are theone who likes to travel down memory lane, notI. So, areyou reminiscingabout the past decade or just the past year? | |
| Until all the media hype, Ihadn't really thought about it being a new decade. But when I did, it was bittersweetbecause the girls were 10 years younger. | |
| So were you. So was I. | |
| But it's different whenyou're thinking about how quickly your children grow up. Anyway, I understandthat you're not nostalgic, andyou definitely never play the "what if" game,but I find it hard to believe that youwon't reminisce, even a little, overthe past 10 years, or even the last year. | |
| Our past has led us to where we are, and you can learn from it, but thatis different from reminiscing.You need to live in the present and know that it willinfluence the future. | |
| But how do you learn from the past if you don't take the time – and I'm not saying a large amount of time – to thinkback about it? | |
| You do that as you go, you do not think back over an entire year. Or, an entiredecade. Especially sincethose are arbitrary time periodsbased on calendars. | |
| When you put it like that, it does seem a little crazy. Iguess it does make a lot more sense to just learn and make adjustmentsas you go vs. letting the"mistakes" pile up. | |
| You cannot change thepast. But, what you do todaydoes impact the future. The key is finding theright balance between savoring themoment and planning for the future. | |
| You'd think that as we get older, we'd learn to do things better, to approach things better, to just,well, at the risk of sounding like Melania Trump, be better.But for many of us, that'snot the case. | |
| With age comesexperience, not wisdom. | |
| Wow! You'reprobably going to roll your eyes at this, but I never really thought about it that way. Butit's so true. The concept of "learning from your mistakes" is something we hear a lot, especially when we're growing up.Unfortunately, I think that often stops when we become adults. | |
| Learning should never stop – especially as we canlearn from both our "mistakes" and our goodexperiences. It just takes the desireto do so. | |
| That sounds good, but for us "mere mortals" itcan be a little more difficult, as we tend to do things the way wealways have. We get caught up in ourday-to-day lives and before you knowit another week – another month – anotheryear – another decade has come and gone. | |
| The older we get, the quicker the years seem to fly by, which makes iteven more critical to focus on what istruly important. Identifying yourvalues and priorities, and making sure your decisions align with them. | |
| You make it sound so easy but, trust me, it's not. Plus, you've alwayslooked 20 years out and worked backward.For many of us that's a totally new way to look at life, especially those of us who like to reminisce. | |
| At the risk of sounding like a Hallmark card, it is a new year, a time tolook forward, not backward. Put anotherway, there is a reason your frontwindshield is significantly larger than your rear-view mirror. | |
| You and your car analogies. But I have toadmit it's a great visual. And I'll do my best to keep it inmind. But for now, I still can't believe it's 2020. | |
| Funny thing is I started to wish you "20/20vision" in 2020,then realized it refers to "average"vision … and why would I wish anyone an average year? | |
| For those of us who need glasses, 20/20 is what we strive for, and allowsus to see things much clearer. | |
| In that case, I wish you 20/20 in2020. |
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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