| I don't know about you, but although I knew that 2019 was coming to an end, I hadn't really been thinking about it in terms of the end of a decade. That is, until I started seeing all the newspaper articles and television programs not only running their usual year-end summaries, but also looking back on the entire decade. |
| Well, it definitely is not as big a deal as the turn of the century. I remember that everyone was worried about Y2K, and whether there would be serious computer problems related to going from 1999 to 2000. Plus, people were worried there would be a champagne shortage. But, neither of those two "catastrophes" actually happened. |
| Seriously? People were actually worried about a champagne shortage? |
| Wine producers and retailers probably started the idea of so much celebrating, and not enough champagne. Turns out there were shortages of some of the high-end champagnes in certain places, and overall champagne sales were up significantly. |
| I should've guessed that your memories would be business-related. |
| In that instance, yes. But, you are the one who likes to travel down memory lane, not I. So, are you reminiscing about the past decade or just the past year? |
| Until all the media hype, I hadn't really thought about it being a new decade. But when I did, it was bittersweet because the girls were 10 years younger. |
| So were you. So was I. |
| But it's different when you're thinking about how quickly your children grow up. Anyway, I understand that you're not nostalgic, and you definitely never play the "what if" game, but I find it hard to believe that you won't reminisce, even a little, over the past 10 years, or even the last year. |
| Our past has led us to where we are, and you can learn from it, but that is different from reminiscing. You need to live in the present and know that it will influence 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 think back about it? |
| You do that as you go, you do not think back over an entire year. Or, an entire decade. Especially since those are arbitrary time periods based on calendars. |
| When you put it like that, it does seem a little crazy. I guess it does make a lot more sense to just learn and make adjustments as you go vs. letting the "mistakes" pile up. |
| You cannot change the past. But, what you do today does impact the future. The key is finding the right balance between savoring the moment 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's not the case. |
| With age comes experience, not wisdom. |
| Wow! You're probably going to roll your eyes at this, but I never really thought about it that way. But it'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 can learn from both our "mistakes" and our good experiences. It just takes the desire to do so. |
| That sounds good, but for us "mere mortals" it can be a little more difficult, as we tend to do things the way we always have. We get caught up in our day-to-day lives and before you know it another week – another month – another year – another decade has come and gone. |
| The older we get, the quicker the years seem to fly by, which makes it even more critical to focus on what is truly important. Identifying your values 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 always looked 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 to look forward, not backward. Put another way, there is a reason your front windshield is significantly larger than your rear-view mirror. |
| You and your car analogies. But I have to admit it's a great visual. And I'll do my best to keep it in mind. But for now, I still can't believe it's 2020. |
| Funny thing is I started to wish you "20/20 vision" 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 allows us to see things much clearer. |
| In that case, I wish you 20/20 in 2020. |
Tonight is the first night of Chanukah (FYI, there are multiple "correct" spellings), and while Red may be celebrating the Festival of Lights with potato latkes (pancakes), when she lights the menorah to symbolize bringing light into darkness, she’ll be laughing at Black’s car analogy …
| At the risk of Black coming up with another potato analogy, for me, Chanukah's all about potato latkes. The childhood memories of our dad grating pounds and pounds of potatoes to the point where I'm not sure I could see our kitchen table, many decades later, my eldest daughter taste-testing latkes from an assortment of places. (I love to cook, but latkes are a lot of work.) Of course, the lighting of the menorah is also such a special part of the holiday celebration, whether the electric menorah that my parents had where you would "twist" each light bulb as the nights progressed or the more traditional menorah with candles that my daughters and I light each year (and never leave unattended). |
| I never cease to be amazed by the miracle of Chanukah (regardless of whether you spell it Chanukah or Hanukkah, or some other variation) and how the oil that was only supposed to last one day instead lasted for eight days. It is as if your cellphone indicated it is at 12% but lasts eight days. Or, if the gas gauge in your car indicates you have 25 miles left, but you are able to drive 200 miles. Sometimes things happen that defy logic, and that is where faith takes over. And, a belief in something bigger than all of us. |
red headassets.rebelmouse.io
Blackassets.rebelmouse.ioTomorrow is the start of Chanukah, the Festival of Lights, which celebrates hope and miracles – and who could not use hope and miracles?
Happy Chanukah!
Every year on #GivingTuesday, Red tells Black that she knows how important giving is – whether time or money – but, unlike Black, she doesn’t have a meaningful charity that’s been part of her life for decades. We often “repeat” the conversation below, but this year, Black suggested that Red use #GivingTuesday to think about what charity inspires her or holds special meaning, and then get involved. Making it personal often ends up making it a year-round passion rather than a one-off obligation.
But no matter how you approach charity, beware of potential scammers. And, if in doubt — check them out! (Black likes GuideStar and Charity Navigator.)
| I know today’s Giving Tuesday, but what I always find so amazing is how you treat every day as “Giving Tuesday." |
| What makes you say that? I do not donate to an organization or charity every day. |
| You’re always so literal. I meant that the spirit of “giving to others”, whether donating or providing support in some way, seems to be part of your daily life. |
| I think you are exaggerating. |
| Really? What about your involvement with The Make-A-Wish Foundation? That’s been going on for years. And it didn’t take a “holiday” to get you involved. |
| Actually, it was a golf tournament decades ago. But once you see the difference you can make, even if it is a small donation because they add up, it becomes a way of life. Or, at least, it did for me. |
| I know you’ve quietly done things for other organizations and people, too. Living in the Houston area, we have no shortage of natural disasters, and we’ve seen people’s generosity. But what I like about GivingTuesday is it’s not waiting for a specific event because there are so many worthwhile charities that need our support every day. |
| Agree. And, although I am not always a huge fan of social media, #GivingTuesday – note the hashtag – started in 2012 to harness the power of the internet for hashtag activism and, more specifically, to inspire people and companies to give back. |
| Well, social media or not, I know how important it is to give back and help others. And it’s not always about money. Sometimes they need people to donate their time or expertise. I just wish we didn’t need a tragic event or “special day” as a reminder. |
| So, now that you have been reminded, stop talking to me and do your fair share for #GivingTuesday. Trust me, you will be glad you did. |
Today (Black would probably say “every day”) is the perfect day to give back to others, so check out this great list of ideas and pick one (or more) and become part of #GivingTuesday!
What’s so funny about the holiest day in Judaism, Yom Kippur, the “Day of Atonement”? A day where you fast as a way to help you deeply reflect on your past year, asking forgiveness, and then promising to do better.
Well, technically, nothing is funny about the holiday, but every time we think of this speaking engagement, it makes us laugh (as it did our audience) …
| I know that Yom Kippur isn't exactly known as one of the "fun" Jewish holidays, but every year, I can't help but laugh at what's easily my number one Yom Kippur memory. |
| That is what makes memories … memorable. And, finding something to laugh at on Yom Kippur, the Day of Atonement, which is probably the most important and solemn Jewish holiday, would be memorable. |
| I can't believe you're not even curious what it is!? |
assets.rebelmouse.io | You know I love to "connect the dots", and all you had to say was Yom Kippur, fun, and memory. Obviously, it was when RabbiScott asked us to speak before his congregation on Yom Kippur. |
| Well, I still find it surreal that we were asked to speak about money on one of the High Holy Days. And that we titled our presentation, "Oy Vey, You Want To Talk About Money?" |
| The day is about reflection, making fundamental changes – or at least adjustments – and trying to become a better person. And, just because it is a spiritual journey, there is no reason you cannot make learning fun. |
| True. I remember the time Rabbi Scott put a piece of aluminum foil in the children's Yom Kippur service program to help them understand that Yom Kippur's a day for reflection. But even you must admit that making a congregation laugh about money on a religious holiday is a bit much. |
| But, memorable. A few years later, I met someone who attended that service, and he said he's never forgotten it. |
| For the content or all the food analogies?! I can remember we started by saying how we just wanted to give everyone some food-for-thought and then saying, "Oops, since Yom Kippur's a day of fasting, maybe bringing up the subject of food wasn't such a good idea." |
| Of course, it did not stop us from doing it, again and again. |
| How else could we explain our unexpected journey into personal finance without mentioning it started at our first speaking engagement … which was at a Jewish Federation breakfast? |
| Or, how our detour into criminal justice started with me meeting with the chaplain at a men's prison? But I knew it was meant to be when she told me they had the only kosher kitchen in the Texas prison system. |
| And each time we looked at each other and then the audience, and we all laughed! With each mention of food, it just got funnier and funnier. But there was no way to avoid it. |
| I know. How could you tell the story about realizing all the money you were mindlessly spending at Jamba Juice without mentioning your almost-daily smoothies? Or, how you went grocery shopping at Whole Foods because it was convenient but not cost-effective. Anyway, until that day, I never realized how so many of our stories have to do with food. |
| I think the highlight was toward the end when I was explaining how I felt overwhelmed trying to tackle personal finance. That at times, things seemed insurmountable, and then you told me … it's like eating an elephant, you can do it, just one bite at a time. And everyone started laughing again. |
| On any other day, I doubt that analogy would make you think of food. But, on Yom Kippur, and especially since we were presenting after at least 15 hours of fasting, everything makes you hungry. |
| I guess it's like being so tired that you get slap happy. But I never thought a day of atonement and reflection could end up becoming a day of laughter. |
| On Yom Kippur, we wish people an "easy fast" or a "meaningful fast"… and if a bit of laughter, even if not intended, helps, what is wrong with that? |
| Good point. For that matter, you don't need to be Jewish to take a day, or even just an hour, to stop, to think, and to improve. |
| No fasting required. |