https://padlet.com/stephanieosan/657o7xj2cv1t IDEO/Acumen course en-us 2016-10-13 20:51:20 UTC 2016-11-07 21:06:54 UTC hello@padlet.com https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130605608 There are layers of financial assessment that happen instantly]]> 2016-10-13 20:53:48 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130605608 https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130605759 How do I determine who's the neediest of the needy? What's the criteria?]]> 2016-10-13 20:54:38 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130605759 natalia_fitzgerald https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130605846 It's very difficult to avoid blame in this culture, it's easy to think "she should have done better".]]> 2016-10-13 20:55:09 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130605846 https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130605855 Sometimes parents will come to me and say they need help. Other times I notice if a kid seems like they haven't bathed, is wearing the same thing every day. It shows that there might be problems at home.]]> 2016-10-13 20:55:13 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130605855 https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130605892 Personal wealth feels like disclosing personal health information]]> 2016-10-13 20:55:30 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130605892 https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130605996 Our counselor calls every family that is on free-and-reduced lunch and probes if they may need more financial assistance. The lunch point is a starting place. ]]> 2016-10-13 20:56:04 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130605996 https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130606027 In some countries (like in eastern Europe) what you make is not tied to self worth like it is here.]]> 2016-10-13 20:56:19 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130606027 https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130606172 I tag team with the nurse. She asks questions about their health and tells me if anything points to financial problems.]]> 2016-10-13 20:56:32 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130606172 natalia_fitzgerald https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130606228 Friends and acquaintances may talk about money but in general terms (like rent being too high)]]> 2016-10-13 20:56:56 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130606228 https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130606330 I ask questions around other areas in their life. Like if they're low-income and not bathing, I might talk about something like puberty and ask them things like "Your body is changing, what do you do to keep yourself clean?" and sometimes I learn that they don't have running water.]]> 2016-10-13 20:57:31 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130606330 https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130606418 It would be nice to break down the cultural perception of "you are what you make"]]> 2016-10-13 20:57:58 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130606418 natalia_fitzgerald https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130606442 Gossiping about people's money habits can be fun. ]]> 2016-10-13 20:58:03 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130606442 https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130606583 Parents would say "You don't need to know about that. That's for adults to talk about"]]> 2016-10-13 20:58:46 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130606583 https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130606618 It's really awkward to ask questions and probe. I try to establish trust. "Listen, if you need help, I need you to trust me. And part ofthat trusting me is I'm goign to ask you deep, uncfomfortable questions. And I'm going to use that information to help you."]]> 2016-10-13 20:58:56 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130606618 natalia_fitzgerald https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130606692 Some wish they could be more direct in the way they talk about money. ]]> 2016-10-13 20:59:17 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130606692 https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130606788 Sometimes it's questions if someone really needs aid. But I have to remember that it's really brave for them to come to me. It's embarrassing. So yah, they probably need help.]]> 2016-10-13 20:59:58 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130606788 https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130606797 "Thought it was really brave of this person to share their financial struggle with me"]]> 2016-10-13 21:00:02 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130606797 stephanieosan https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130606808 Don't ask how much people make. Premise in this country that you're paid what you're worth. It's not a fair perception, but it can creep in.]]> 2016-10-13 21:00:07 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130606808 https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130606890 I try to empower them. Tell them we're going to make sense of their situation. ]]> 2016-10-13 21:00:36 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130606890 https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130607023 It's harder to understand people's needs when the process is informal. At my last job, I had a list of questions/form to ask them specific finance questions. And this job, it's open-ended and it feels more subjective. That makes me uncomfortable.]]> 2016-10-13 21:01:28 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130607023 natalia_fitzgerald https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130607025 About more freely talking about money: "You have a more realistic sense of the world, and learn more from other people's wisdom."]]> 2016-10-13 21:01:29 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130607025 https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130607033 "Discussing money can change an interpersonal connection. It can take the relationship in a different direction that you might not be ready for"]]> 2016-10-13 21:01:32 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130607033 stephanieosan https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130607058 2016-10-13 21:01:43 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130607058 https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130607070 Recurring relationship when they feel like they can trust me. ]]> 2016-10-13 21:01:50 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130607070 stephanieosan https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130607076 I don't feel that comfortable. Just with my husband. It's kind of personal. If I were having money problems maybe I would go to a financial advisor and talk to them. But, it's kind of personal.]]> 2016-10-13 21:01:53 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130607076 https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130607119 MY sister never tells me what she or her kids make. I had to look up their house on Zillow.]]> 2016-10-13 21:02:12 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130607119 https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130607156 As we get closer to retirement, I want to understand more what other people are doing. ]]> 2016-10-13 21:02:25 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130607156 https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130607188 I want to live a similar lifestyle as my friends.]]> 2016-10-13 21:02:38 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130607188 natalia_fitzgerald https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130607272 2016-10-13 21:03:19 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130607272 https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130607288 I want to talk about these things with my friends, not strangers, because I know they have similar lifestyles. A stranger, I wouldn't know what their priorities are and if I have similar priorities.]]> 2016-10-13 21:03:27 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130607288 https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130607336 "I didn't know how to react. I just said everything would be okay"]]> 2016-10-13 21:03:46 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130607336 https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130607401 Sometimes it's hard not to share concrete financial ideas. Like you spend so much time dancing around the details. I just want to say, "Spit it out. It doesn't matter."]]> 2016-10-13 21:04:14 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130607401 https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130607465 The friends I talk to about money I can talk to anything about. I know they won't judge me. ]]> 2016-10-13 21:04:43 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130607465 natalia_fitzgerald https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130607490 2016-10-13 21:04:49 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130607490 https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130607532 Both I and my friends have always struggled with money in some ways. In a way that's good— we've bonded.]]> 2016-10-13 21:05:04 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130607532 https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130607653 If they're making 5x more than us, I would feel a little awkward. But I don't feel comfortable with them like I do with other friends. ]]> 2016-10-13 21:05:54 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130607653 stephanieosan https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130607706 It feels like a private converstaion with people you know well, like parents, family. She doesn't feel comfortable talking with friends about money.]]> 2016-10-13 21:06:14 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130607706 https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130607730 I had to explain why we couldn't go out to eat all the time during financial hard time, so I told them. ]]> 2016-10-13 21:06:25 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130607730 https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130607914 I was happy for my friend when she got a salary raise. I love her.]]> 2016-10-13 21:07:47 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130607914 https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130607938 2016-10-13 21:07:57 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130607938 natalia_fitzgerald https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130607957 2016-10-13 21:08:05 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130607957 natalia_fitzgerald https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130608105 2016-10-13 21:09:21 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130608105 stephanieosan https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130608281 Because it didn't come up a lot in their childhoods

]]> 2016-10-13 21:10:33 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130608281 natalia_fitzgerald https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130608285 2016-10-13 21:10:34 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130608285 natalia_fitzgerald https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130608478 2016-10-13 21:12:13 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130608478 https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130609715 I'm careful because I don't want to seem like an authority figure. Makes suggestions.]]> 2016-10-13 21:21:24 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130609715 stephanieosan https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130611949 2016-10-13 21:39:42 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130611949 stephanieosan https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130611980 Talking about broader life events in a close relationship, as a lead-in to talking about money

]]> 2016-10-13 21:40:05 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130611980 stephanieosan https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130612044 No cross-talk. As everyone shares, you realize that these are universal feelings and there's no need for shame.

]]> 2016-10-13 21:40:40 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130612044 stephanieosan https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130612079 Putting assumptions out there and discussing them without judgement

]]> 2016-10-13 21:41:03 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130612079 stephanieosan https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130612160 Talking about experiences at a higher level (saving for a goal, complaining about high rent, etc) that everyone can relate to without talking about specific numbers

]]> 2016-10-13 21:41:47 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130612160 stephanieosan https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130612416 Anonymity is liberating, and people's honesty inspires connection

]]> 2016-10-13 21:44:33 UTC https://padlet.com/stephanieosan/657o7xj2cv1t/wish/130612416