It Pays to Talk: How to Have the Essential Conversations with Your Family About Money and Investing

Overview

Financial security begins with a conversation . . .

And that’s why Carrie Schwab-Pomerantz has teamed up with her father, internationally respected investing pioneer and bestselling author Charles R. Schwab, to produce this excellent family financial primer. This book will help investors succeed whether the stock market is going up or down, both in the present and in the long term. Throughout the book, the authors stress the importance of having regular and effective ...

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Overview

Financial security begins with a conversation . . .

And that’s why Carrie Schwab-Pomerantz has teamed up with her father, internationally respected investing pioneer and bestselling author Charles R. Schwab, to produce this excellent family financial primer. This book will help investors succeed whether the stock market is going up or down, both in the present and in the long term. Throughout the book, the authors stress the importance of having regular and effective conversations about money—with a spouse or partner, young children and teenagers, and aging parents—and offer the perfect roadmap for starting and continuing those conversations, including:

• understanding the basics: stocks, bonds, and mutual funds
• building wealth over time, understanding your tolerance for risk, and developing and maintaining the right investment portfolio
• investing for your children’s future and for your secure retirement
• estate planning for you and your older parents
• preparing for life’s unexpected events

“A practical book for men and women, young and old ...It’s smartly written, earnest without being preachy, and offers down-to-earth advice on how to forge productive conversations about money between spouses and partners, parents and children, and adult children and aging parents.”—Chicago Tribune

“Most families don’t talk about money. Personal finance ranks with sex and drugs as one of the least-discussed topics and one fraught with emotional baggage....Bottom line: You have to fend for yourself when it comes to money, and the way to do that is to talk about it with parents, spouses, and children....We all have to take care of ourselves financially. This book is a good place to start.”—USA Today

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Editorial Reviews

From Barnes & Noble
Let Charles Schwab, our nation's leading financial expert, and his daughter, Carrie Schwab-Pomerantz, help you break the silence that surrounds money matters in most families. Use the expert advice in this wonderful book to help your loved ones take better care of their investments and retirement accounts.
Publishers Weekly
Schwab-Pomerantz, a registered stockbroker, has teamed up with her dad to share their insights on money, investing and the conversations that need to accompany these. Their focus is on the importance of conducting different life-stage conversations (e.g., how to financially approach being single, getting married, raising children, helping parents), and this well-rounded primer provides one-stop shopping for the many phases of financial understanding and planning. It delivers comprehensive investment particulars with the necessary charts, graphs and illustrative anecdotes. Schwab-Pomerantz often uses her own life as an example, and while she has far more experience with money and investing than the average person, she wears the same personal hats-parent, child, spouse-as readers. To her concise and thorough explanations of family financial planning, father Chuck adds his two cents, e.g., "money is always an issue, even when it doesn't seem like it." Most families, whether balancing a checkbook or investing for retirement, would likely agree. This educational volume provides a useful framework that a family can refer to when approaching those often difficult but necessary conversations about finances. (Dec. 31) Forecast: Although Carrie is more present in these pages, Charles's name will help sales. The success of his You're Fifty, Now What? (2002) and 1998's Charles Schwab's Guide to Financial Independence: Simple Solutions for Busy People proved he could draw varied readers. A national TV satellite tour, national radio campaign, author tour and print ad campaign should attract buyers of all ages. Copyright 2002 Cahners Business Information.
Soundview Executive Book Summaries
Removing the Stress and Confusion of Family Money Matters
Charles Schwab, founder of one of the nation's largest financial firms, and his daughter Carrie Schwab-Pomerantz write that having honest discussions about money and investing is crucial to a family's financial health. Their goal: to take the stress and confusion out of money matters. Together, they place solid financial advice into a family context, and provide many ways families can discuss investments and financial planning. As two working parents who both have many years of experience in the investment field, they have much to say in It Pays to Talk about creating a successful investment strategy and money-management plan for the family.

It Pays to Talk covers the fundamental principles that every long-term investor needs to understand about building family wealth, joining forces in marriage, investing for a child's future and raising money-savvy children, retirement and estate planning, and dealing with the unexpected. Along the way, they provide tips on how to talk gently, intelligently and respectfully with other family members about the many issues that shape people's attitudes about personal finances and investing.

An Honest Relationship With Money
To create an open and honest relationship with money and financial matters, the authors explain that a family must understand what money represents. They write that money is often tied up with our deepest emotional needs, such as security, success and confidence, as well as our fears, such as failure, inadequacy and poverty. It is also connected to our sense of self worth and identity. They remind readers that financial decisions are often shaped by emotion rather than logic or research.

To get our money to work for us, the authors write that we must first come to terms with our priorities and discuss these priorities with those closest to us. We must then identify our dreams and establish concrete financial goals so we can turn our dreams into reality. To do this, the authors write that we must focus our thoughts, organize our paperwork, and then write down our plans to enhance the likelihood that we will achieve these financial goals.

Joining Forces
The authors look into the power of joining forces through marriage and provide many ways couples can make the most of dual incomes. The benefits of a prenuptial agreement are also outlined along with a rundown of what should and should not be included in one.

The authors write that it is crucial to look at how your current financial picture influences the financial attitudes that are passed on to your children. They also discuss the importance of teaching them the value of money early; how to distinguish between an impulsive want, a deep-seated desire and a need; and understanding how to budget money wisely.

The authors explain the best ways parents can invest in a child's future and their own retirement, and how to get through the language and technical barriers of estate planning. They also teach investors how to prepare for the unexpected with tips about health insurance, Medicare, life insurance, and long-term coverage, as well as questions to ask before purchasing plans.

Why Soundview Likes This Book
It Pays to Talk provides straightforward advice about planning for the future and making the most of a family's money. The authors' tips and tactics create a firm foundation on which the discussion of family money matters can begin and offer answers to the questions that will arise when getting down to the nuts and bolts of long-term investing and meeting the financial goals of couples, children and parents alike. Copyright (c) 2003 Soundview Executive Book Summaries

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Product Details

  • ISBN-13: 9781400049608
  • Publisher: Crown Publishing Group
  • Publication date: 12/23/2003
  • Edition description: Reprint
  • Pages: 386
  • Product dimensions: 6.10 (w) x 9.30 (h) x 0.80 (d)

Meet the Author

Carrie Schwab-Pomerantz is president of the Charles Schwab Corporation Foundation. She established and now spearheads Schwab’s highly respected Women’s Investing Network, an initiative designed to educate and inspire women investors across America. She lives with her husband, journalist Gary Pomerantz, and their three children in the San Francisco Bay area.

Charles R. Schwab is the founder, chairman, and co-CEO of the Charles Schwab Corporation, one of the nation’s largest financial services firms. He is the author of the bestselling You’re Fifty—Now What? and Charles Schwab’s Guide to Financial Independence. He lives in the San Francisco Bay area with his wife, Helen.

From the Hardcover edition.

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Read an Excerpt

Starting the Conversation

When Pete, a longtime colleague of ours, married his wife, Eleanor, in 1973, it would have been safe to assume that she, being a banker, would handle the finances while he, then a schoolteacher, would take a backseat. Then their son was born with a disability, and the couple decided that Eleanor should quit her job and stay home with him. Once Pete, who had returned to graduate school and obtained his MBA, became the only breadwinner, he also inherited the financial-decision-maker role.

At the same time Pete—a generous, jovial, and articulate man—turned into quite the spender, thinking nothing of buying an expensive suit that he’d wear only two or three times. To compensate for his champagne taste in clothes, Eleanor, when she shopped at all, would do so at discount stores (a detail she kept from Pete, who would have been horrified). Sure, her husband’s income had shot up, but so had his appetite for luxuries, including high-priced cars.

“We moved to California from New York, and I saw everyone driving around in BMWs,” explains Pete with a self-deprecating laugh and the kind of regret that only hindsight can bring. “I thought that must be the state car, so I went out and bought one.” Over the next fifteen years he bought another and another and another, just as soon as the mileage on the “old” car passed twenty thousand—or a newer model captured his fancy. Despite hefty sports-car price tags, he never thought to consult his wife about those—or any other—purchases.

That attitude, combined with an overall lack of communication, almost cost Pete his marriage. Since the couple never discussed money, let alone a savings or an investment strategy, Pete never knew how increasingly resentful his highly educated wife, who had spent ten years in the banking industry, was becoming about her lack of participation in the family finances or Pete’s spending decisions.

Pete and Eleanor may have avoided facing their issues, but they couldn’t escape the downfall of their marriage. After a separation of several months, the couple decided that divorce was inevitable, and together they headed to a financial planner to figure out how to split their assets.

But unlike so many similar stories, this one has a happy ending. “You guys obviously care about and love each other,” the financial planner observed one afternoon after numerous joint meetings. “What are you doing getting a divorce?” Thus prompted, Pete and Eleanor asked themselves the same question and subsequently decided to try to work out their differences. After months of marriage counseling and a lot of hard work, Pete and Eleanor learned how to communicate with each other about money and everything else. They identified what was important to them as individuals and as a couple.

The upshot? At forty-seven, Pete quit his job to devote himself full time to the nonprofit international health-related causes about which he’s passionate. Investments they’ve made together now finance their lifestyle, one in which they agree on each and every sizable purchase as a team. “Though I’m ashamed of my past behavior, I’m also proud of our courage to stick it out,” says Pete. “It’s so much easier to walk away from very difficult issues than to confront them head-on. I am the better—and we are the stronger—for it.”

Pete and Eleanor’s new financial policies and procedures, along with their ongoing discussions about values and priorities, led to their recently building a dream house in Sun Valley, Idaho. “In almost thirty years of marriage, this is the first major purchasing decision we ever made together,” admits Pete.

In short, Pete and Eleanor now make a point of dealing with their life together—and their money—as equal partners. Once every three months they meet with their financial advisor to review their finances and make (or revise) their money decisions for the next six months. Then they go out to a nice restaurant and discuss their decisions and plans.

What better way to reaffirm your love for each other than to talk about the life you’re living now and your dreams for the future?

The Emotional Side of Money

As Pete and Eleanor’s story so vividly shows, talking about money can allow you to build the life you want. In fact, we believe that financial security begins with a conversation—whether between spouses, between a parent and a child, or between an adult and an aging parent.

But these conversations aren’t easy, especially in the beginning. Most of us are used to chatting casually about the stock market or mortgage rates, but when it comes to candid, personal conversations about how much money we’ll need for retirement or how we’ll possibly be able to pay for our children’s college educations, the talk is much tougher. In a wealthy country where millions of investors have money in the stock market, there is still a desperate shortage of honest, candid talk about how we should be planning for the future.

And unfortunately, as Pete and Eleanor’s story also points out, not communicating about financial matters, from spending to investing to planning for the future, is an almost surefire way to undermine a relationship. So why, despite the obvious payoff and the equally obvious price of avoidance, do most people neither initiate nor participate in these essential family conversations about money? Because money is never just money, especially in the context of a family.

For starters, money is tied up with our deepest emotional needs (such as security, comfort, success, and confidence) and fears (such as failure, inadequacy, and poverty) as well as with our sense of self-worth and identity. And ultimately, it becomes a reflection of our relationships. “In the first part of our marriage, there were all these inequalities, and money was a huge unspoken one,” says Pete. “Now it’s more of an equal playing field.”

Like it or not, even your parents’ attitudes about money have likely influenced yours. If your father or mother always tried to save that little bit, you may have adopted the same fiscally restrained habits. Or like a pendulum, you may do the opposite now that you’re an adult, refusing to let those money-saving tactics run your life. Either way, you’re reacting to lessons learned at your parents’ knees.

For example, I have a friend whose father used to drive her crazy with his penny-pinching habits: He phoned her only after five p.m. (he had one of those old-fashioned phone plans where the rates dropped at night), and he parked his car in a lot a mile away from where he was going if he could save a dollar. In response, as a young girl, my friend would call her dad whenever the urge struck, even if it was a mere ten minutes before the rates changed, partially to prove that her actions weren’t being dictated by the chance to save a buck. Valuing time and convenience more than economy, she often took cabs instead of buses and paid a housekeeper for cleaning she could easily have done herself. Figuring that you only go around once, she routinely indulged in expensive wine and top-notch restaurants. Only lately, many years later, has she come to recognize how much all those indulgences compromised her ability to save for her future and the things that mattered more.

My colleague Tom’s financial baggage also stems from his upbringing. Despite a steady income, his parents sometimes ran short of cash. Since Tom consistently held jobs as a kid—doing a paper route or umpiring Little League games—he usually had some cash on hand. “As a twelve- or thirteen-year-old, I was proud to always have a few hundred bucks,” he recalls. “I remember my dad and mom borrowing from me a few times to buy groceries or go out to a movie. In those pre-ATM days, I was like their bank for short-term credit.”

Not surprisingly, this situation made Tom quite resentful in the long run. Thirty years later those emotions continue to affect how he deals with finances and money-related communication, but not in a positive way. Even today Tom never talks to his parents about their financial position since it brings back uneasy memories. He and his wife don’t talk very much about their financial decisions or long-term plans either. While Tom attributes a lot of this silence to juggling two careers and raising two children, he also admits that his early negative money associations may play a part in his current attitude.

Sidestepping Common Behavioral Traps

Another downside of our silence about money is that we become even more likely to make financial decisions based on emotion rather than on logic or research. In Why Smart People Make Big Money Mistakes (Simon & Schuster, 1999), a terrific book that I recommend to all my friends and clients, journalist Gary Belsky and psychologist Thomas Gilovich summarize a new branch of economic research, called behavioral economics, that examines many of the most common traps that lead us to make poor money decisions.

Let me give you just a few examples. If you tend to treat your hard-earned income differently from the way you treat other money—say a tax refund or a lottery winning—you’re guilty of what behavioral economists call mental accounting. This concept, developed by Richard Thaler of the University of Chicago, describes our tendency to categorize and value our money according to its source or how we spend it. Mental accounting can be dangerous, because in reality one dollar is worth just as much as the next. One hundred dollars that you get from a windfall will buy you just as much as one hundred dollars you’ve saved. Likewise, if you feel much freer spending money when you use a credit card than when you pay in hard cash, you are likely practicing a form of mental accounting.

There’s also what the behaviorists call the “sunk-cost fallacy.” If you’re the type who continues to pour money into an old rattletrap, you should train and discipline yourself to think hard before you throw any more good money after bad. If you wouldn’t want to buy the car today, knowing that it needs repairs, why would you want to waste money fixing it up just because you already own it?

As an investor, there are two other tendencies you should be aware of, neither of which will help your stock portfolio. If you let your emotions get the best of you, you may be prone to panic selling—or selling when an investment hits a low. As you’ll see in Chapters 2 and 3, you are especially vulnerable to this panic if you take on more risk than is appropriate for your investment time frame or personality. At the other extreme, many investors fall victim to what the behaviorists call “loss aversion.” This can manifest itself in many ways, including not selling a poor performer to avoid finalizing the loss. Not only can loss aversion cause you to lose even more money, it especially doesn’t make sense in light of the fact that you can use your losses to offset your gains, thereby potentially reducing your tax bill.

And finally, you should be aware of what Belsky and Gilovich refer to as “number numbness,” or the tendency to tune out when we are faced with numbers and math. Clearly this won’t work to your advantage as an investor. Ironically, most of the math you deal with as an investor is simple and straightforward. But if you fail to appreciate the power of compound growth, or avoid evaluating a mutual fund on the basis of its expense ratio, just because numbers are involved, your overall portfolio return could suffer. It’s as simple as that.

Once you understand these tendencies, it can be fascinating and instructive to sort through them. A word of caution, however. It can be a lot easier to identify these lapses in someone else than in yourself, so try not to get too critical too fast. We all have our own less-than-desirable financial proclivities. You’ll need to be as willing to hear what your family and friends have to say about your habits as you’ll want them to be once it’s your turn. Though their comments may sound and feel critical, treat this conversation as a growing opportunity and avoid becoming defensive. Remember: Your goal is to open the lines of communication and strengthen your family and friendship ties—not to jeopardize them.

The First Step: What’s Important to You?

You work hard for your money. It may seem obvious, but if your money is going to work hard for you and your family, you first have to come to terms with your priorities, then discuss those priorities with the people closest to you.

What we’re talking about here are your most cherished values—things like family, love, security, independence, and philanthropy. Although your values may evolve as you age, they define who you are. Think of values as the prism or filter through which you’ll view all your life and money decisions.

Put another way, your values are what make you tick. They’re not a reflection of how good or moral you are. They’re not a reflection of your personal worth. If you’re a homebody or you want to travel the world, that is your decision alone. No one can dictate your values; they’re like your emotional DNA.

Can you list your values off the top of your head? Do you know what matters most to your mate, or to your children? In my experience, most people just haven’t taken the time to discuss them—at least not on a regular basis.

When I was pregnant with my oldest child, my husband Gary and I would walk through Olmsted Park by our home in Atlanta every Sunday morning, throw the ball for our dog, and discuss our hopes for the future. What kind of life did we want? Where did we want to make that life? What did we aspire to career-wise, and how did those aspirations dovetail? What did we want for our son, and how would we raise him?

Although I tend to be more of a risk-taker than Gary, we’ve always agreed on our overriding values: that family comes first and that dollars and cents are just a means to an end. As a result, our conversations focused primarily on our long-term goals and the best ways to achieve them. In a way we were drawing our road map, complete with a rough timetable.

With the passage of time and increased demands of both career and family, those walks—and talks—have become less frequent. That’s too bad, although probably not uncommon. Like us, I think most families feel they’re giving their all just to keep up with everyday demands.

Unfortunately, though, the price we pay for not having those talks is a loss of the perspective that is so essential to our long-term happiness. If you value adventure and the most exciting place you’ve traveled in the last two years is the supermarket, then you may need to reevaluate how you’re spending your money (to say nothing of your time). If you value being secure and debt-free yet every month you rack up another $2,500 on your credit cards, that’s also a disconnect worth examining.

Without the perspective that your priorities provide, money is likely to slip through your fingers like water through a sieve, getting you no closer to your ultimate goals. That’s why talking about money is so crucial: It allows you to restate and reconnect with your values. Any big life event such as marriage, a new child, starting or losing a job, divorce, or death of a spouse presents a natural opportunity to have a money chat with those close to you—whether it’s to make sure you’re still traveling down your path of choice or to alter your direction.

The Next Step: Identifying and Securing Your Dreams and Goals

Once you’ve identified your values, there are two more steps to take to build the life you want to lead: identifying your dreams, and establishing concrete financial goals so you can turn those dreams into reality.

Let me give you an example of how these pieces work together. A close friend of mine would love to own a vacation home in Lake Tahoe (her dream), where she and her family could get away from it all and just be together (one of her strongest values). To make that happen, she’ll need a substantial amount of money for a down payment as well as extra money every month to cover the mortgage, taxes, and maintenance (her goal). Last year she took the first step by talking to her family about her dream. At first she wasn’t sure that they would agree, but she received unanimous support. Buoyed by their enthusiasm, she then opened up a special investment account and started depositing whatever savings she could scrimp together. She also examined her personal expenses as well as her family’s monthly bills to see where she could economize. That meant that she has had to refrain from buying herself a number of things she would have liked. But when she thinks about her family all together in that mountain home, she maintains her resolve. She envisions the hikes and the boat excursions they’ll take. She imagines family meals, marathon Monopoly sessions in front of the fire, and golden toasted marshmallows during cookouts. And that’s more important to her than just about anything she might covet at the moment.

Although my friend still has a long way to go before she and her family can afford to realize their dream, she’s finally working toward it. What made the difference? Actively identifying a vision that supported one of her deepest values—spending time with her family—and then creating a plan of action that would get her there.

Do your spending choices and lifestyle support your values and visions? Far too often we wind up losing sight of the forest for the trees. We run to the store to pick up a single household item and end up walking out with a hundred dollars of impulse purchases, not one of which will help us live the life we really want. Why? Because we haven’t made those visions a part of our consciousness.

A Financial Plan

Research reveals that when it comes to finances, most investors focus on their stock portfolios. They enjoy the strategy, the excitement, and the immediate results. Of course this tendency is completely understandable and not necessarily a bad thing—unless it comes at the expense of other important aspects of your financial life, such as your retirement plan, estate plan, tax strategy, college savings, and insurance needs.

I think of fiscal health much as I think of physical health. Like physical well-being, fiscal health depends on the strength of several interrelated parts. Just as you can’t afford to ignore the condition of your heart, since that’s what pumps the blood through your body, or your spiritual well-being, since that’s what keeps you balanced, so too should you have a well-rounded approach to your money. Such an approach takes into account not just your investment portfolio but other aspects of your financial life as well.

One of the goals of this book is to demonstrate how all these pieces work together. Whether you decide to hire a financial planner or choose to work on your own, I encourage you to adopt this type of well-rounded holistic approach to your finances. Discussing your financial plan as a family will encourage you to explore each area. Even better, focusing your thoughts, organizing your paperwork, and then committing your plans to paper will enhance the likelihood that you will achieve the dreams and the financial goals you’ve articulated.

My goal and my father’s is to help make your financial plan come to life so you may actually put it into effect. It’s not enough to have a plan—no matter how beautifully detailed and bound—if it just sits on a shelf. You have to put it into action. So as you and your family begin to talk about your financial plan, think about money as a vehicle that can get you where you want to go. It doesn’t drive you. You are behind the wheel, and the twists and turns you opt to take both shape and reflect the person you are. The only way to arrive at your destination is to know—and agree on—where you and your family are headed. There’s no way around it. Getting where you want to go means talking about your values, your visions for the future, and the detailed plan of action you’ll need to get there.

Chuck’s Two Cents: Why Talk?

This book is about talking to your family about money, and in a way I think of the book itself as a conversation. It has certainly prompted a fair amount of conversation between Carrie and me, and in these pages we have tried to pass on to you what we’ve learned about the fine art of talking about money. In that vein, now and then throughout the book I’ll add my two cents to the conversation.

I think it would be hard to overemphasize the importance of talking to your family about money. We feel it’s essential for every family to be able to communicate about financial matters, and it’s our goal to help you develop the tools to do that. That may sound easy enough, but I know from experience that it can be hard. Even in our family, where investing has been my career for more than forty years and Carrie’s for more than twenty, we’ve found that talking about money can be difficult.

But as difficult as it may be, and as uncomfortable as you may feel, the fact is that talking about finances is crucial in close relationships. Talking about finances with your spouse can help lay the foundation for a solid marriage. Teaching your kids about handling money is one of the best things you can do for them, right up there with giving them a good education. And talking to elderly parents about their finances can be the greatest gift you can give them. You may get the valuable opportunity of helping to take care of the people who first took care of you.

So where do you start? Easy: You break the ice, just by bringing up the subject, so that you can get the conversation going. And that’s where this book comes in: It will guide you in that conversation, whether you’re talking to your parents, your kids, or your partner. We realize that no two families are alike and that, to an extent, each family will have to develop its own approach. But there is some common ground here, and in that spirit we’ve tried to pass on some guidelines that will help you find your way.

One more thing before you dig in. I’m a big believer in being forthright with people, and because of that I think it’s important for you to know what distinguishes the investing philosophy set out in these pages from others. My investing philosophy is based on an unshakable faith in the American economy, specifically in its ability to continue to grow in perpetuity.

What’s the basis for my belief? History, and the fact that time and time again we’ve seen our economy survive and grow. That doesn’t mean we won’t have bad days or down cycles. It doesn’t mean we ignore the consequences of down markets. It means that, recognizing the risks, we endure those not-so-good times with the protection of certain time-tested investing approaches, such as adequate diversification and a sound asset allocation strategy. It means that we go forward with confidence in good times and bad.

Investing isn’t about voodoo or luck or gambling. It’s about the principles of entrepreneurship and incentives and rewards. It’s about human capital and the concept of people working hard to improve their lives. Those very American qualities are the reasons for my confidence in our financial future. I firmly believe that we will absolutely continue to improve, and I base my investing confidence and my entire investing strategy on the strength of the American economy.

I’ve been an investor for more than forty years, and it’s a subject I am passionate about, not only because I find it fascinating but because the reward of wise investing is that wonderful thing called freedom. Investing is ultimately about your future and about taking steps now to give you choices later on. And I see that as essential.

From the Hardcover edition.

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