Thursday, June 17, 2021



What’s your plan? (06/03/2021)

I am publicly retracting one inner notion I harbored for too long. I, of all people, the architect of “What’s Your Plan” and he who has been on the excellent outcome of bad situations more times than I have fingers to count: THEY PULLED IT OFF! Not only did they get it published in these interesting times; accomplishing in Pierce Pride fashion. It is a joy to behold.

A shout out to the 2020-2021 Piercer (Volume 97) and to those who put it together. I am not disappointed. Rosemary Montoya and Ashley Esquibel are the Chief Editor and Business Manager, respectively. Yay, Rosemary and Ashley! Assisting include Lizbeth Calderon, Yesenia Chavez, Eva Cruz, Kami Fullerton, Julia Moreno, Julianna Dorantes, and Marco Rodriquez. Yeah to you all! Katherine Randell served as Yearbook Adviser. (You leave a fine legacy, and your contributions will be missed at PHS. I would wish you good luck on your next endeavor, but that is cemented with who you are.)

Pierce Bear Katie Mondragon shares her Senior Quote, “Young, dumb, and broke.” under her Graduation picture. Yes, this catches my eye; especially after reading Jake Cousineau’s How to Adult – Personal Finance for the Real World. This is another topic that piques my curiosity and applying those things taught here will get you far from two out of the three mentioned while not making you any older. Cousineau takes a real-world approach to teach personal finance. Drawing from his classes as a high school teacher, he clarifies why we need to understand this stuff. It doesn’t get much easier than beginning each chapter with a section titled, “Why Do I Need to Understand This?”

How to Adult is the perfect start to individual finance because it pours a rock-solid foundation, capable of building on over a lifetime to weather whatever this world’s storms can throw at you. Interest is a fine place to start a conversation on money; it is his Chapter One. Compounding interest can be either a friend or foe. When one learns to have it work for them and not against them, they are off on the right path to peace and wealth. What follows are Basic Banking, Paying for College, Budgeting, Credit, Credit Cards, Taxes, Investing, Retirement, Insurance, and car and home purchases. All are important lessons to master.

I stand with those who declare that basic finance isn’t taught to us in school, or after reading Cousineau’s book, not nearly enough. Throughout, he shares his student’s queries and insights. I am curious as to what Cousineau teaches in his high school classes. These subjects need to be first and foremost before all of us. I would be a proponent of adding the curriculum to our local schools.

May I end this conversation with this note? Maria Rivera shares these pertinent thoughts of the ages under her senior picture. “The school prepares us for life in the world that does not exist.” Ponder this one by Albert Camus (1913-1960). Financial literacy should be a core life lesson, the sooner the better, so that thoughts like the above would start to be just silly. Godspeed.

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