| April is National Financial Literacy Month, and you love to talk about money, but I think it should be called National Financial Intimidation Month. After all, most of us “mere mortals” find personal finance intimidating. And boring. And tedious. |
| Are you done? Besides, I thought you got over that years ago. |
| Being forced to figure out the basics doesn’t make personal finance any more interesting. It’s like getting my teeth cleaned. I know I need to do it, but that doesn’t make it any more enjoyable. |
| Great analogy, especially as getting you even to think you could “do” personal finance was like pulling teeth. |
| Fine, is this where you’re going to remind me how I freaked out when you first mentioned financial statements? Or when you told me that if I could add and subtract, I was qualified? |
red head
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Black
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| Actually, it quickly became obvious that a big part of the problem was the terminology, which is why I simplified it. |
| I remember. Especially since you love to tell people how emphatic I was that I couldn’t deal with assets and liabilities until you told me we were going to talk about “what you own” and “what you owe,” and I said I could do that. Neglecting to tell me those were the definitions. |
| My version is technically accurate. But, making it a funny story makes the topic relevant and relatable. And, memorable. |
| Like when you used to ask auditoriums full of eighth graders how many liked math, and only a handful raised their hands. But when you asked how many liked money, they ALL raised their hands! |
| Exactly. The difference is focusing on practical applications versus terminology and theory. Many people will think they are not good at math when, in reality, they are not good at theory. |
| Do you remember when you took the girls and me to Central Market? Back when Natasha was in high school and close to failing math. She had a store gift card and a basket full of items. Sawyer and I watched as the cashier entered each item, and we were betting on how much Natasha would overspend. Instead, she came in slightly under! |
| She seemed to know exactly where she stood. And, was doing it in her head. Which did not surprise me as she was always good with numbers. It is why business plans for bars, not just the creative concepts and drinks, but the numbers, come so easily to her. Natasha often struggled with the supposed “correct order” of the mathematical steps, but she understood the application. |
| But I’ve always thought of math as being very structured. With right and wrong answers. |
| Ok, if something is $7.84 and I give you a $10 bill, how will you figure out the change? And, you cannot use a calculator or smartphone. |
| Easy. Subtract $7.84 from $10. How else would you do it? |
| Add $0.16 to get to $8. Then $2 more to get to $10. I can get to the “correct” answer of $2.16 faster using addition than subtraction. |
| That’s really interesting. When you asked me how to figure it out, the straight-A student in me defaulted to how I was taught to do it. But your approach is a much easier way to get to the same answer. |
| Basic algebra. |
| Don’t even think of going there. But it does explain the trick Mommy taught me years ago about calculating the cost of something with tax. Rather than figuring out what 8.25% of the price was and then adding it to the price, I’d just multiply the number by 1.0825. |
| I doubt Mom realized the mathematical equation behind solving for “x,” but she knew why take two steps when you can take just one. Whether in your head, on paper, or using a calculator. |
| So, just like you made me realize being open to “trying” to do personal finance is about mindset, so is math. Using your logic, why not teach math, at least to those who aren’t into theory, in a practical way? And by using money examples, you also could be teaching personal finance. After all, kids may not like math, but they sure do love money. |
| Mom used to say that I excelled in math because, as a kid. I would substitute “dollars and cents” for “apples and oranges” in word problems. Although, looking back, putting me on a clothing budget when I was in middle school is what probably taught me the most. |
| I still can’t believe you never realized it was intended as a punishment, not a life lesson, until you were trying to explain budgets to me while I was in the midst of my “crisis”. |
| I still can’t believe you never learned about money until you were in your 40s, and it took your husband getting fired. But, the bottom line is that you are never too young or too old to learn. |
| About math. About money. About life. |
Want to read other columns? Here's a list.
When you think of cancer, do you think that’s something only older people need to worry about?
Well, you’d be wrong because it’s alarming how many people under 50 are getting cancer. (Think Catherine, Princess of Wales.) And while the exact causes remain under investigation, what we do know is that early detection through cancer screenings is crucial.
It should be a priority for all of us (men and women) – and not only during Cancer Prevention Month but year-round.
| I know that cancer isn’t the “death sentence” it used to be when we were growing up, but it’s still a very scary word. Especially if it’s heard “close to home”. |
| When we were young, the word was rarely said. And if it was, it was whispered or referred to as the “ c-word.” |
| Kind of like when I had my two miscarriages. No one wanted even to acknowledge, let alone talk about, them. Which made it all the more difficult to get through it, although intellectually, I knew it was not uncommon. |
| Unfortunately, neither is cancer. It is the second-leading cause of death in the world, surpassed only by heart disease. But, at least, it is no longer a taboo subject. |
| Please don’t make this about numbers. It’s about people. Which you should know. I’m sure you remember when Daddy was diagnosed with parotid gland cancer , which luckily was treatable. And I’ve had skin cancer, although I was very fortunate, it was caught early and easily treated. |
| OK, I will not quote statistics, but it is important to realize that although cancer affects many people, that is all the more reason to try and prevent it. Or, catch it early. |
| Very early. I’m not sure I ever told you this, but when I had squamous cell carcinoma confirmed on my nose, it wasn’t because of an annual body screening. It was because I just thought something wasn’t right, even though I had gone to my family doctor and was told it wasn’t anything to worry about. |
| I thought you were always extremely conscientious about your annual cancer screenings, whether mammograms, Pap smears, or body checks. |
| The first two, absolutely, ever since I was in my 30s. But it was only when I went to a dermatologist to check my nose that I realized the importance of having full body screenings, too. Especially since redheads are more susceptible to skin cancer. So, yes, now I go on an annual basis, although it was on a six-month basis for several years after I had to have Mohs surgery . |
| Well, having routine cancer screenings, whether due to standard recommendations , because you think something is not right (after all, who knows your body better than you), or due to family history, has contributed to a decrease in cancer mortality rates . But, you do not want me to talk about numbers. |
| I don’t, but that’s great news! It just shows you how important it is to be proactive. |
| Exactly. And, as we learn more about cancer, we can adjust our lifestyles to lower the risk of getting cancer. For example, think of all the people who quit smoking to lower the risk of lung cancer. Of course, advances in medical treatment have made a huge difference. And, given my involvement with Make-A-Wish, I have watched with pure joy how the cancer death rate among kids and teens has dropped dramatically. |
| Wow, I had no idea! That really makes you stop and think, and makes me think about the cancer stories in movies and TV shows. And before you roll your eyes, and tell me my theater degree’s showing, it does make a difference when a subject like cancer is reflected in storylines. It lets audiences understand it on both an intellectual and emotional level. Which is very powerful. |
| It is. When you think of the movie “ Love Story,” unless you read the book, you did not know that Ali McGraw’s character had leukemia. But, around the same time, there was a “made for TV” pseudo-documentary/movie, “ Brian’s Song ,” which is the first movie I can remember that talked about cancer. It made it an acceptable topic of discussion. |
| I’m impressed you remember those movies. There’ve been so many since then, not to mention celebrities who tell their cancer stories. But cancer being in the mainstream makes it so much easier to discuss. Not just as a society but personally, as I’ve taken advantage of those opportunities to talk with the girls about the importance of early detection , something Mommy never did with me. |
| It was a very different time. Cancer was a “bad” word and potentially a “death” sentence. Today, the future is brighter, but it needs to be part of routine conversations. |
| I know you don’t celebrate holidays, so I’m not going to ask you if you have any plans for Valentine’s Day, but you do know that February’s American Heart Month, right? |
| Of course. Which means the American Heart Association’s “ Go Red” campaign is in full force. And, they are not talking about you. It is because heart disease is the leading cause of death – for both men and women. |
| Don’t you find it ironic that Valentine’s Day – a “fun” holiday about letting people you love and care about know that you’re thinking of them … a holiday filled with Hallmark cards, squishy teddy bears, chocolate hearts – falls in the middle of such a “serious” month-long awareness campaign? |
| Is it ironic or pragmatic? If you want to make sure you are around for the people you care about, you should think about being heart-healthy. Especially eating well and exercising. |
| I do, and the irony is I always knew what to do. It’s only been in the last year or so that I’ve finally found the motivation to keep it going for more than a few days. Somehow, it went from forcing myself to do it to a habit, and then, because I felt so much better, I became “addicted” to it. |
| In other words, it went from you needing to do it to wanting to do it. |
| Is that why, when it comes to eating well and exercising, nothing ever seems to deter you? |
| Feeling better, yes. But, more because every morning, I walk into a large closet filled with size 2 clothing. |
| That's funny. |
| No, it is factual. I have been a clothes horse for decades, so have a significant investment hanging in my closet. And, since almost everything is timeless and classic, I would be extremely annoyed if it no longer fit. |
| Well, even if that’s something us “mere mortals” can’t relate to, at least it keeps you motivated. I never had anything like that in my life. |
| Really? I can name two things. |
| I’m not sure Natasha and Sawyer would want to be referred to as “things,” but I see your point. The funny thing is Sawyer is the one who got me started going to the gym and working out. |
|
I tried for years, but am glad she had more luck.
|
| I feel I did a better job staying fit when they were younger and truly needed me every day. Then again, maybe that was just because I always had to do a lot of running around. And I focused on healthy eating for all of us. |
| Sounds like excuses. Just because they no longer need you as cook and chauffeur, does not mean they do not need your life experience and unconditional love. Especially as they face the challenges of adulthood. |
| Are you trying to make me feel guilty or sad because I didn’t always focus on taking care of myself for them? |
| Neither. Merely pointing out we can always find reasons for not doing what we know we should do. Whether for ourselves or for the ones we love. Or both. |
| It’s ironic; I always thought doing things for myself was selfish, but I now understand that if I don’t take care of myself first, I won’t be able to help others. |
| Exactly, and it does not matter if you use your heart or your brain to get to the right answer, does it? |
Until two years ago, Red had never heard of “Dry January” (see our conversation below). But whether or not you’ve taken the challenge, it’s never too late to develop healthy habits. And, FYI, there’s also “Damp January.”
|
I keep
getting emails about where to go for
mocktails. I know alcohol-free cocktails, like Virgin
Margaritas, have been around for a while, but I’d never heard that term before. Do you think it has to do with
New Year’s resolutions? |
| It can if any of your resolutions are to lose weight, save money, sleep better. Or, drink less. Psychologically, January is the month when we “reset”, so a UK-based organization, Alcohol Change UK , started Dry January , where you abstain from drinking alcohol. |
| Perfect timing since many people shop, eat, and drink more than usual over the holidays. |
| I know you used to drink a glass of Cold Duck on New Year’s Eve, a tradition going back to our childhood, but that hardly counts as drinking. But, I have always wondered why you rarely drink, but never asked. |
| That may be the only thing you haven’t asked me. It isn’t for any moral or health reasons; it’s because, even many decades later, I still have vivid memories of overdoing it at a fraternity dance at college. Although lately, I’ve been drinking more than normal. |
| For you, that means more than one drink … a year. |
| Very funny, but pretty much true. However, after visiting Tennessee Hills Distillery in the fall, I did develop a taste for their flavored rum. So, between the ones I brought home and the bottles of Moscato that Natasha had delivered to me by Drizly as a surprise holiday gift, I’ve had more to drink this holiday season than ever before. |
| Well, I drank more this year, too. But, that is because, during COVID, I went over a year without a drink. For years, I used to go out to dinner several times a week and would always have a drink or two, but now do not go out as often. Combine that with a lack of dating, and my alcohol consumption is almost non-existent. |
| But your condo has a pantry that you converted into a beautiful bar with all those liquor bottles on display. And you’ve collected wine for years. |
| Yes, it looks enticing, but I do not drink alone. Never have. But, if I did, I would probably need to hide the liquor, or put yellow “caution tape” in front of the bar during Dry January. |
| That’s funny, but do you really think that people can go cold turkey for an entire month? That seems like a long time if you’re used to drinking on a regular basis. |
|
Yes. Besides
the fact many
bars
are taking advantage
of Dry January to offer customers something
new and different
versus just alcohol-free versions of traditional
cocktails, the demand for nonalcoholic beverages continues to increase as more people
prioritize healthier lifestyles. Not to
mention, many people now feel less social pressure to drink.
|
| Please don’t start quoting statistics and studies! But don’t you think, come February, everyone will just go back to their “normal” habits? |
| Since you do not want me to mention any of the science, or the fact people are already drinking less , I will come at it another way. If once you start Dry January, you experience the health benefits, including more energy, why would you go back to your old habits? |
| Because it’s a habit? Sorry, I couldn’t resist. But good points, especially as we all know drinking can lead to health problems . Not to mention the risks of driving under the influence of alcohol. But I’d think there’s still some peer pressure to drink socially. |
| As more people are trying Dry January, or at least are aware of it, the more acceptable it becomes. And, the easier it is to find others to support you. Although sometimes you may need to avoid those people who do not. |
| Well, I’ve seen you drink this month. And you can’t blame it on me! What’s your excuse? |
| Dry January is not about having a perfect score. It is about reevaluating your relationship with alcohol. And, taking a night off does not mean the end of the effort. It just means it may be a Damp January. |