My father walked forty-five minutes a day. Whatever the weather, whatever kind of workday he had had, he headed out to do his exercise. Quintuple bypass surgery in the days when your chest was sawed open, scared him into obeying his doctor’s instructions. Walk or wake up one more time with tubes coming out of unexpected parts of your body.
He didn’t have walking shoes, special clothes, a pedometer, sunscreen, tunes playing in his ears. Just good leather shoes, a hat, and a watch to keep him honest. He didn’t drive anywhere to change up the scenery. He just walked. For decades.
After a career of office work that meant little time on my feet and lots on my seat, I’ve joined the crowds walking daily to nowhere. I put some time in on asphalt streets and concrete walkways and some on a simple treadmill. I don’t know if special shoes are any better than his thick soled leather tie models. An athletic tracker on my wrist provides feedback that is nice about my heartbeat and steps. Podcasts fill my mind while I wander about.
This is how many people in non-physical jobs today fight weight gain, arthritis, general aches, aging. It’s what we substitute for not using our bodies the way they are meant to be used. We walk around neighborhoods, on lake or park pathways, with our dog, maybe with another person. We feel good about piling up our miles and wearing down our shoes.
I’m behind for the day and kind of crabby about putting aside writing projects with due dates in order to do my steps. Curse the pandemic, I miss playing with my granddaughter, machines at the gym, sweating through a dance class and swimming. On the other hand, I’m alive and walking my way to vaccine and herd immunity and the opportunities to get back into an active community. Thanks for the lesson on resiliency, Dad.
Living alone in his final years, my father developed a soft spot for Hallmark Christmas movies. From Thanksgiving through early January his television choices were predictable: football any time a game was broadcast, morning news on NBC, midday news on a local show, Hallmark Christmas movies from dinner to the FOX nightly news.
He knew every plot twist and how the pretty young woman and handsome young man would find a future together. He probably didn’t discuss Hallmark movies with his dining room buddies, but he and I talked about them. We shared the inability to remember the names of characters or their imaginary hometowns, but we could connect on parts of the shows that reminded us of times in our past. We had different memories about my reception to Santa riding through Luxemburg, WI on Christmas Eve. He would laugh about my dismay when ordered to hand over my babysitting money to my brother who decided December 23rd that he had to drive from Milwaukee to Philadelphia to be with the woman who would become his first wife. We treasured the wonder of having a newborn under the Christmas tree.
Every year holiday traditions twist apart a bit. A month ago I wasn’t ready to think about Christmas. I don’t track each evolution, but changes are noted. Some are mourned. Some are a released with relief like producing multiple fancy meals while wearing dressy clothes, make-up and heels for example. Or the discomfort of sitting on folding chairs in the grade school’s basement to watch Christmas services on a large screen, when it is easier to stay home and watch a televised version.
The pandemic is shaking traditions out of the holidays faster than a cat knocking ornaments out of a decorated Christmas tree. Economic hardships make generous gifting feel off. Hunger in the community demands assistance. Uncertainty has crawled into of all our minds and souls.
My father’s example has helped in thinking through 2020 holidays. He could have been morose about losing his wife and son. He could have been clingy. His memories of sitting at the head of the holiday dinner table with children and grandchildren could have overshadowed the simplicity of a small tree in his apartment and a side seat at our table. He found other ways to mark the season– contributing more to favorite nonprofits, listening to seasonal music, wearing holiday socks, relishing when we crowded together to cheer on the Packers, and watching Hallmark Christmas movies.
A change noted: We don’t always know the lessons taught until after the teacher has left.
Hosted by entrepreneur Twila Dang and Minnesota Public Radio economics reporter Chris Farrell, the podcast disrupts the notion that people with low or unstable incomes don’t know how to manage money. To the contrary, they are often the most creative and collaborative when it comes to doing so.
I’ve listened to all seven episodes that have been released so far, but one in particular got me thinking about the smart money lessons I learned from my parents, both of whom were born into the Great Depression and grew up on modest family farms, my dad in western Minnesota and my mom near St. Cloud.
Their philosophy was “live off what you have.” This, combined with the fact that my dad supported our family of seven on not much more than $20,000 a year, led me to learn important money lessons that have made a huge difference in my financial wellbeing. Here are a few:
Lesson No. 1: If you don’t have the money, don’t buy it. I never saw my parents use a credit card. Other than the utility bills my dad paid by check every month, my parents paid cash for everything from groceries to Catholic school tuition to an occasional new car. They kept meticulous track of how much money they had via their Midwest Federal Savings Passbook.
Lesson No. 2: If you want more money, ask for it. I learned and was reminded of this lesson just about every week when my stay-at-home mom asked my dad for money for groceries. No matter how much he gave her, she always asked—and often lobbied vigorously—for more. Sometimes she got it, sometimes she didn’t. So, midcareer, when I was offered a job with a consulting firm, I took a deep breath and asked for—and eventually received—a pay increase, a signing bonus and an additional week of vacation.
Lesson No. 3: Don’t be afraid to haggle. I can’t recall the exact amount the seller of my house was asking, but I was do know I was prepared to pay that amount. That is, until I talked to my dad. He advised me to offer considerably less, so I did. The realtor told me the buyer would be insulted by such a low offer. He was. But he eventually agreed to sell me the house for considerably less than his original asking price and only $3,000 more than my original offer.
Lesson No. 4: Always get three estimates. Now that the pandemic has me hunkered down at home, I’ve been getting estimates for long overdue home chores, including painting the exterior of my home as well as the upstairs. In soliciting the estimates, I’m doing just what my parents taught me to do: calling three contractors. Their estimates range from roughly $5,000 to $20,000+, reminding me once again of the value of my parents’ advice.
Lesson No. 5: Save for retirement. Thanks to my parents’ urging, I started saving for retirement in my early 20s, when I got my first full-time job. It was at Honeywell. While I’m unsure how much I saved in the two years I worked there, I still have a 1984 Retirement Savings Plan statement showing that I contributed $55.94 in the fourth quarter of that year and had a yearend balance of $233.48. While that doesn’t seem like much to me now, I’m certain it did at the time.
I’m also certain that these and other money lessons I learned—from my parents, as well as friends, colleagues and podcasts such as small change—have made a huge difference in my financial wellbeing.
How about you? What money lessons did you learn…and from whom? And how have those lessons impacted your own financial wellbeing?
This year’s Thanksgiving turkey is in the freezer. Ten pounds will be too much for two of us, but that’s no big deal. The big deal is that the United States is approaching a quarter of a million COVID deaths. Three friends move into the holiday season without their fathers who died of COVID. The world keeps spinning and for every family in mourning, there are others marking other happy events. Both those grieving and those celebrating share this very different international holiday season.
Letting go of every tradition helped our family clearly think about Thanksgiving. Tentatively we’ll celebrate by putting up outdoor Christmas decorations together. Masked and socially distant, the hour we spend hanging lights and garland will make the day special. And we’ll prepare Thanksgiving favorite foods to send home for our meals shared later on Zoom. Notice the word tentatively– the weather could make being outside horrible or the pandemic could become more dangerous. This is 2020. Many surprises are not happy. We’re not talking about Christmas yet. One week at a time feels like the safest planning cycle.
Our parents and grandparents spent holiday seasons physically separated by war. Somewhere family members passed the holiday in danger. Military families today may face the same emotions plus deal with COVID’s impact. Working on 40 Thieves on Saipan made that separation more real to me than stories I heard as a child. For the majority of us, accepting the pandemic as an international public health war equals distance holidays for 2020..
Here’s hoping the 2020 holiday wishes you hold come true. But mostly, here’s hoping you and yours stay healthy and safe. Whether your special people are around a common table or visible on a screen, those of us fortunate to be within the sound of their voices are thankful.
I’m one of those people. I did a Simon Cowell. I purchased an electric bike.
Did I use to look at those people with scorn? Wonder if they were cheating? Deem that I was getting better-quality exercise with every pedal. Could those E-bikers even call what they were doing biking?
At the beginning of this biking season I was going strong. Biking 11 or 14 miles with Jody. We have a great route from our house to around Lake Harriet and a longer route to Lake Nokomis.
Though I was doing well biking, I was also uncomfortable. With two knee replacements, I lost the get up and go from a dead stop. This is a problem when you are trying to move through an intersection. I also felt unsafe. I couldn’t smoothly slide my feet from the cage pedals. I had to think every stop, or I’d tip over. I replaced the pedals with platform pedals. I also wanted to sit straighter so I jimmied some handles that would allow me to do that. Nothing is pretty when I jimmy.
Biking became not fun. I learned that two knees replacements aren’t equal. My left knee stayed on the pedal rock solid. My right knee wanted to complain about the position of my foot on the pedal. It did not have the same range of motion as the left.
I would only go biking with Jody if it was sunny and no wind. Not even a breeze.
My preferred method of exercise became walking, hiking, and climbing the hills at the ski hill. I wasn’t a slouch. I often got compliments. Especially, when the telltale signs of my knee replacement scars were visible.
I missed biking. Jody is a strong runner and biker. We didn’t run together. We just rode in the same car to the same spot and then had an agreed upon time to meet up. When biking, she’d bike right behind me. She would insist that my pace was fine. I was certain that I was hindering her athletic prowess.
Since COVID, Jody and I have done a lot of walking together. She calls it her bonus steps since she has already worked out for the day. I call it my one and out.
Do you see what this is all leading to? My birthday gift.
I did read Simon Cowell’s article before buying my E bike. I did read the manual. I have not fallen off my bike. I have also not done any wheelies.
My first ride with Jody was around Lake Nokomis from our house on a very windy day. My first impression was happiness. I was five years old, it was my birthday, and my mother had just handed me a Winchester lever rife that shot plastic bullets. 57 years later, I have that same joy riding my E bike.
At first Jody wanted me to bike in front of her like old times. That wasn’t going to work. I can bike whatever pace she is biking.
The next day we rode 20 miles on the Cannon Falls Trail. The only tense time was when I was in front of Jody and I was waiting for her to catch up. “This is a lot of work, you know”, she said a little testily. I learned to adjust my gears after that and not assume she could go any faster.
Since having the bike it has become my preferred exercise. There is work to an E bike. I pedal. My calf and thigh muscles work. Biking has improved my range of motion in my right knee. I can also feel more strength when climbing steps. Jody says that she gets a better workout.
I’m now one of those people. Don’t be judgy. If you ask me, I’ll tell you, it’s like having my birthday every day.