| 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? |
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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. |
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Since we first ran the conversation below, autism awareness has become more commonplace, but there’s a big difference between that and acceptance. (Which is why April is now Autism ACCEPTANCE Month.) Not to mention assumptions. Labels aside, don’t we all have something of value to contribute? Think about your different abilities (Black calls them “diff-abilities”), and you may find a new way to look at others, especially those with autism -- with respect, empathy, and a desire to better understand their situations, strengths, and challenges.
| Did you know that April's Autism Awareness Month? I wasn't aware (pun intended) of it until I read our local homeowner's monthly newsletter and it caught my eye. |
| Actually, last month the founding organization, the Autism Society, changed "Awareness "to "Acceptance" to foster inclusivity, as knowing about something is very different from accepting it. But I am guessing that is not the point of this call. |
| Although it isn't autism, it reminded me of years ago when we found out that Natasha has learning disabilities. |
| I think you mean DIFF-abilities. |
| Of course, that's another thing I remember. I was focused on the negative aspects of her diagnosis until you asked me, point-blank, "Why are they called disabilities?" And proceeded to explain that everyone has different strengths and weaknesses. |
| Exactly! Imagine the world if everyone excelled at math, but flunked English. Or, a world of lawyers, but no musicians. Some people are better at social skills, while others excel at handling technical data. Why not just say that people who have different skillsets and abilities have DIFF-abilities versus making them feel like they have shortcomings? |
| I know that you completely changed my way of thinking, not only about Natasha but about the concept of "disabilities" full stop. It opened my eyes – and my brain – about how just because someone has challenges or limited abilities in some areas, that doesn't mean they don't have different gifts and strengths in other areas. |
| Exactly. Although autism is a "spectrum condition" meaning it affects people differently and to varying degrees, it is a complex developmental disorder that can affect a person's social skills, and ability to communicate and interact with others. However, autistic people usually possess some extremely valuable traits that are rare in non-autistic people. |
| Which is why it frustrates me that so many people feel like those with disabilities, excuse me DIFF-abilities, are "lesser" people. When Natasha was diagnosed, she was in her teens and already had a very strong personality (no doubt inherited from you) and, luckily, seemed to have an innate understanding that she was just different, not better, not worse, than others. I guess one of the biggest challenges is to get others to see things with the same mindset. |
| We are a story-telling society, and there are countless stories of people with DIFF-abilities, including those with autism, that are eye-opening and more powerful than anything we could ever say. |
| Funny you say that, as I was curious to learn more about autism and found some inspiring quotes (including a wonderful Tom Hanks clip) that not only gave me great insight but made me smile. One of my favorites was how Paul Collins, an author and parent of an autistic child, said, "Autists are the ultimate square pegs, and the problem with pounding a square peg into a round hole is not that the hammering is hard work. It's that you're destroying the peg." That's such a great way to describe not only those with autism but any disability. |
| Well, technically, it will fit, but it requires that the diameter of the circle be larger than the diagonal of the square. Basic geometry. But, I understand Paul Collin's point. |
| Talk about DIFF-abilities! Couldn't you just agree with me? |
| The thought never crossed my mind. |
Design by Sawyer Pennington, Underlying photo by Ye Jinghan on Unsplash
We’ve all wanted a “second chance” at some point in our lives. A “do-over” for a mistake we made, a bad decision, or something that didn’t work out well. An opportunity to show (to ourselves and to others) that we learned our lesson.
Now imagine that second chance being life-changing. For many people who’ve found themselves on the wrong side of the law, a second chance might be all they need to turn their lives around. Which is why April was designated Second Chance Month and why we’re rerunning what changed Red’s perspective on second chances …
| I had no idea that April was “Second Chance Month” until you sent me the official proclamation. I find it interesting that in the midst of juggling our usual million and one Red & Black things, your interest in criminal justice, which I know you consider a “passion project”, is as strong as ever, maybe even stronger. |
| It is not intentional, sometimes “ passion projects” find you. And, when you least expect it. |
| Or where you least expect it! Only you would take a “field trip” to a men’s prison. |
| I will not get on my soapbox about how our education system contributes to the criminal justice problem. I will never forget a friend of mine who was formerly incarcerated telling me, “Rehabilitating people makes the assumption they were habilitated in the first place.” |
| When you stop and think about that statement, it’s pretty powerful! But I have to smile as once upon a time you, and I, used words like “offenders” and “prisoners” until we learned how our choice of words could be dehumanizing . |
| Says the woman who once believed in the idea of “lock ’em up and throw away the key”. |
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| That was before! I know you told me that just because someone made a bad decision, it didn’t make them a bad person, but it sounded like a cliche. Now, my opinion is based on our experience and the impact we’ve seen . The feedback has been eye-opening. Unfortunately, life doesn’t come with “do-overs.” |
| Exactly. None of us are perfect. We have all made bad decisions. Second chances are about opportunities to show we have learned from our mistakes. |
| Well, I know I have. Obviously, not anything illegal. But it made me determined to teach my daughters what I had learned. Probably one of the most heartwarming parts of the feedback we’ve received is that so many people on the inside want better – not only for themselves, but for their children and grandchildren. |
| Yes, which is why having a second chance is so critical. And, helping set people up for success, not failure, because it is about more than changing the lives of the formerly incarcerated -- it can change the lives of their families and, in turn, our communities and our country. |
| A ripple effect that could mean more people may get it right the first time and not need a second chance. |
| True. Maybe we should look at it as giving society a second chance … |
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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. |