Exercise: What is Your "Money Memory?"

I just started listening to a new (to me) book: The 9 Steps to Financial Freedom by Suze Orman. I'm already learning a lot.

The book starts with an exercise. She asks you to think back to your earliest memory about money. She says that everyone has an early memory that holds clues to what shaped your relationship to money as an adult.

For example, she writes aboout a woman who, as a child, had to move every time her dad got a promotion. Every time she started to get comfortable somewhere, she was uprooted again. To this day, the woman associates gaining money with chaos. Other people associate money with shame or early traumas of not having enough.

I thought and thought about it, and couldn't think of a single defining money memory.

I realized, right away, how lucky that makes me. How fortunate I am to have grown up not thinking much about money. I felt secure, and I am endlessly grateful for that.

In fact, I had no idea how much money my parents had or didn't have at any given time ... until we went to the Outer Banks each summer.

As it turns out, my parents worked hard and made smart financial decisions. But nothing about our lives really changed with my parents' income. For much of my childhood, I wore my neighbors' hand-me-down clothes and my parents shared one car.

But when we went to the beach, our accomodations over time went from a hotel room ... to a cabin ... to a beach house ... to an oceanfront property with an inground pool.

The annual vacation splurge was one of the only things that ever changed. For 51 weeks in between, we kept a lean budget.

So I guess my "money memories" are about my family living, day-to-day, below their means. Those are the habits that define the way I try to live today.

It taught me to appreciate things. It was exciting when my mom let me pick out a new school supply, or bought me a new outfit (always at TJ Maxx) that didn't smell like someone else. But it's why I feel so confused (and often defeated) when I see friends living so much more extravagantly than I do. Maybe they make more money. Or maybe they just worry about it less. (Maybe both.)

I still have a lot to learn about money, and this book is teaching me that. It's also inspiring me to dig out the 501k rollover paperwork I have shamefully ignored for 5 years (!!!).

But right now, at this moment, I'm thinking about my smart parents and the habits they instilled in me.

Thanks, mom and dad.

How Happy Are YOU, On a Scale of 1 - 10?

Recently, I joined my mom and dad for dinner at their house.

I looked across the table at my dad.

"How are you feeling?" I asked him. "On a scale of one to ten, with ten being the best?" It was a question his doctors asked him a lot when he was hospitalized last year.

My dad thought for a minute before he replied. "Eight," he said, with a satisfied nod.

"That's pretty good," I said, at the same time my mom cried, "Eight?!" 

"What's wrong with eight?" he asked.

"Why not ten?" my mom countered back. "What could be better than this?"

My dad motioned to the room and the plate of Chinese take-out that was getting cold in front of him. "Well, there's got to be room on the scale for feeling better than ... this," he said.

"Not me," my mom said, happily digging in to her noodles. "I've got my family with me and I'm eating my dinner. I'm a ten!"

She smiled at us, her eyes sparkling. And I knew ... my mom was being sincere.

We chatted some more as we ate our meals, and then we rinsed our plates and push them in the dishwasher.

"I think I'll go home now," I said, putting on my shoes.

"Oh," my mom said, her smile fading. "Now I'm an eight."

------------

I thought about that a lot over the next couple days, feeling happy that my mom was so content.

And I thought about it weeks later, when my mom and dad's sweet dog Winnie got sick and had to be put to sleep. I watched my mom say goodbye. She got down on the floor with her dog, wrapped her arms around Winnie's shoulders, and wept into her fur. On a scale of one to ten, I was watching my mom sink down to a one. It broke my heart.

I knew it would take her a long time to climb back up to ten. I know she's still working on it.

That's what makes my mom's heart so beautiful and so brave. I love my mom, and her great, big feelings. And I love the way my mom loves. She loves with all she's got.

If you're lucky enough to be loved by my mom, you get all of her. On a scale of 1 - 10, my mom gives a 10 every time.

When Banjos are the Sound of Silence

Last night, I took my dad to see Steve Martin and his bluegrass band, the Steep Canyon Rangers.

We had lots of fun.

I think my sense of what's funny was born from my early exposure to Pee Wee Herman and Steve Martin. My parents used to play Steve Martin's stand-up comedy on their record player, and I remember laughing at my mom quoting it long before I understood what was so funny (or so brilliantly unfunny) about the jokes themselves.

A request like "Please pass the pepper" could result, at our dinner table, in a giggled "Thank you thank you thank you thank you thank you thank you thank you! Like this:



But while I grew up appreciating goofy humor, I didn't appreciate bluegrass music. There was simply too much of it around.

My dad played bluegrass music, loud, all the time. He played it on CD's, DVD's, tapes in the car, and he'd claw hammer it out on his own banjos right in our living room--always oblivious to whatever was going on around him.

I remember sitting in the back seat of the family car, eager to get in on my parents' conversation in the front, but not making anything out over my dad's tape recording of Flatt and Scruggs' My Long Journey Home, blaring out of the car speakers. 

My dad even went through a phase in which he believed that playing music at your musical instruments could condition their wood, or something like that, so he he would line up his instruments in an attentive row and play bluegrass at them when he wasn't even home.

There was no escape. In my house, bluegrass was the sound of silence.

Meanwhile, I craved electric guitars. I hated bluegrass. My mom said she did too, but joked that she wouldn't be a "bluegrass widow" and actually followed my dad to concerts.

I didn't start to soften on bluegrass until I was 24, and briefly moved from one dinky apartment into the one located above my dad's music shop. By then, my dad was successfully running his guitar, banjo, and mandolin store, and I rented a place just up the stairs over his storefront.

On quiet afternoons and evenings, the sounds of finger-plunking and jam sessions would filter up through my floors. Suddenly, I'd feel almost as safe and soothed as I did decades ago, when my mom had a pot on the stove and my dad played Earl Scruggs for the instruments in our empty basement.

And now, I have Steve Martin -- and my dad, also named Steve -- to thank for a fun night last night, one in which I tapped my toes and chair-danced and enjoyed the bluegrass tunes every bit as much as Steve Martin's goofy jokes in between.

Best of all was spending time with my dad, who almost never allows himself any fun outside of his music store. When I asked him, as we waited for the curtain to go up, what his favorite concert of all time was, he said he didn't know. I rattled off lists of my own -- best set list, best performance, most fun at a show.

Then, this morning, I received an email from my dad.

"The show was funny, and the music was very good. But most of all, being with you was special. You asked me which was my favorite concert? Last night was."

Aw.
My dad.

And, it turns out bluegrass tunes can play the songs in my heart, too.

Recipe for mending a broken heart in 50 days

If someone comes along and devastates you--ruins you for what will feel like the rest of your life--you will feel very lucky if you can do the following:

Find good friends. 

Cry to your mom, if she'll hear it. Schedule dinners and brunches with people who love you, even if your limbs feel too heavy to pull out of bed, even if you know you're going to cry in front of them and come home feeling soggy, drained and bruised. Let a very good friend tuck you into their bed and hold you while you weep. 

Find a professional.

He or she will probably say the same things that your friends are telling you, like, "It's better to know about this now than later" but somehow it will sink in differently. 

Find someone who's worse off than you are, and help them.

Maybe a sick, abused dog who no longer trusts anyone either. You can learn to trust each other.

Find good things.

Be relentless about this. Feed yourself good food. See doctors. Exercise. Get enough sleep. Get a haircut. Buy a new couch if you can. Make crafts. Try Zumba even if it makes you feel feel like a flailing muppet in a sea of mermaids. 

Find the holes in your story.

Why is your heart so broken? Maybe the story you were telling yourself was never true. Maybe you weren't as happy as you wanted to believe you were. Maybe now you can finally stop walking on eggshells all the time. 

Find out what you've been overlooking.

Maybe, just maybe, the sweet, deadpan guy you never seriously considered is flirting with you. And maybe he's secretly funny. Maybe you should let him take you to an arcade. Be nice to him, even if you're still trying to quell the banshee inside. He might be just what you need. 

"They're just jealous" and other mom-isms

My Mom: [listing reasons why I'm a great catch] ...you're successful, you're funny...
Me: Some people think I'm not funny, Mom.
My Mom: Yeah? Some people are assholes.

My mom is the kind of mom I can never solicit advice from, unless I'm actually fishing for the answer "They're just jealous." As in, "Someone was mean to you? They're just jealous." My mom has a hearty bias--one in which I am adorable, clever and always perfectly lovable. It's sweet of her.

My mom is the best kind of mom. For one, she's super competent. When I was little, I felt bad for the kids whose moms seemed scatterbrained. My mom was always on top of everything--sewing the best Halloween costume in my class, delivering me to classmates' birthday parties with a meticulously wrapped present in hand, or even showing up at my school with the lunch I didn't even realize I had forgotten on the kitchen counter. My mom could cut my hair, fix my toys and find the things I lost.

I still count on her competence, like when we went to Montreal together and my mom figured out how to ride the indecipherable metro system even though it was all in French. My mom doesn't speak French. She's just good to have around.

My mom is a personal chef, which is the perfect job for someone who's skilled as well as warm and loving. She loves to feed people, which is wonderful when you're 32 and survive on Trader Joe's. Whenever I go to her house, she puts a plate of food in my hand, brings me a sweater and asks me all about my day.

She's also so much fun to be around.

My mom in Calgary, ready to pounce on 7th row seats for Pearl Jam.
We followed Pearl Jam's 2011 Canadian tour together because she is my favorite.

My mom lost her mom to cancer when she was very young. I think that awful fact granted me a very early understanding that moms are impermanent.

I can't imagine what my life would be like without my mom--so generous with her food and affection, so eager to accompany me on adventures, so tirelessly willing to hear about my every irritation, and so subtly funny.

I appreciate her every damn day.

Dinner at My Parents' House

Dad: You're looking better today.
Me: I got a haircut.
Dad: No, I mean you look good. Your Zeitgeist is better.
Me: What are you talking about?
Dad: Nothing. I'm using the word wrong. There were Germans at work today.
Mom [eating candy]: Here. Look. I found the United States of America.

The end.

Thanks for the Product Placement, Siri.

My parents and I got our first iPhones this weekend. 

I was still asleep at 7am when my phone woke me up and told me that my mom wanted to Facetime. I answered, saying, "That's mean" and just saw my mom, looking all confused, saying, "Who said anything about Facetime? I was just trying to call you!"  We had to hang up and start over. 

Then I figured I'd go back to bed till 8, so I said, "Siri, wake me up at-." But instead she pulled up a contact: my friend Siri Espy. Oh, woe to any iPhone users who have a real-life Siri. But this made me laugh, so I went into Facebook to tell Siri Espy about this. Since I was not wearing my glasses, I decided to try voice typing, so I said, 

I tried to tell Siri to do something but all it did was pull up your photo.

And instead I got:

I tried to tell Siri to do something and Polident was pull-up your photo.

Here's hoping for no more technical difficulties today.