December 5, 2025- The earnest young man said, with a straight face, that he fully intended to finance a new vehicle, using his available income from a part-time job cleaning office buildings around his town. We went over the cost of the desired vehicle, the number of months it would take to pay off a loan-if one were even available and the amount of money he would have to set aside each month, just to pay the loan amount, never mind insurance, registration and maintenance. It didn’t take him long to pivot to calculating the monthly costs involved with purchasing a used car, for 1/4 the amount of a new vehicle.

When I was a similar age, I had a grand uncle who would calmly disabuse me of similar outlandish dreams. He never tried to actively talk me out of any pipe dream, but used facts, numbers and the sort of logic that said “This is all achievable-just some day, not right away.” In running this morning’s round table discussions with juniors and seniors at a local high school, regarding financial planning, I used the same mentoring tools. The students could see that I am still standing, even through a fair number of missteps and setbacks. My ending point was that it is not the mistakes that matter, in the end; it is the aggregate of lessons learned.

This morning, regarding grandparenting, I was reminded that the elder’s greater wisdom shines brightest from the ability to listen to the grandchild; to be the safe haven and by extension, the greatest emotional support. It takes nothing away from parents, but does offer the child another place where s(he) can feel validated. It is that affirmation that builds the emotional strength a person needs, to successfully withstand all manner of negative pressures.

Today’s seminars were a good round of practice in that regard.