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History (Education)

The truth about America's first female tycoon who was so frugal she set a world record

Hetty Green supposedly never even spent money on new underpants.

hetty green; world's greatest miser; america's first female tycoon; hetty green genius;
Hollinger and Rocky|Wikicommons

America's first female tycoon so frugal she's in record book

There is nothing wrong with pinching a few pennies here and there. Most people on a budget or fixed income become really good at learning where they can save money but frugality isn't something you consider when thinking of millionaires.

Yacht trips in the Mediterranean, swanky dinners on plates that cost more than people's rent payments and extravagant shopping sprees are all things that come to mind when thinking of the uber-rich. Very seldomly would anyone equate frugality to extreme wealth, but that's likely because they didn't know about Hetty Green.

Henrietta ("Hetty") Howland Robinson was born in 1834 to a wealthy Quaker family in New Bedford, Massachusetts where she was raised mostly by her grandparents. Her grandfather and father amassed their wealth through whaling, and according to the Forgotten Newsmakers, she was an expert on stocks and bonds by age 15.

Green's expertise didn't come by through her genuine interest at first. Due to her grandfather's poor eyesight, he had the young girl read the financial news to him daily. Recently the heiress has come to modern public consciousness after her story was shared on different social media platforms highlighting her extreme money saving techniques.

The Quaker woman never knew poverty as she was born into millionaire status in the 1800s, but you wouldn't know that from her spending habits. In the social media post it mentions that she never purchased a new pair of underwear after learning to mend them at the age of 16. Until her death, Green was wearing the same pairs underwear she had worn since her teen years.

In another truly mystifying supposed factoid the wealthy woman shopped around for the best price to have her son's broken leg set. Her delay in medical treatment for her son resulted in him having to get his leg amputated. Though, this part of the story has been disputed by Roberta Sawyer who spent her childhood on the Green's estate tells South Coast Today, "Hetty's own daughter, Sylvia Wilkes, told a completely different story. The truth is that Hetty Green went around with her son for three days trying to find a doctor who felt he could save Ned's leg instead of amputating it."

Hetty Green Blazing Trailswww.nps.gov

According to Wilkes much of the information on Green seems to be sourced from the book "The Day They Shook the Plum Tree," which she calls "mistruths" in 2011. But the bulk of the claims about her frugal nature seem to be true according to books, multiple articles, and a 1905 character study written about the woman. Green learned to rely on left overs while in boarding school, wore the same black dress for years and dressed her children in secondhand clothes.

The woman's spending habits are what landed her in the Guinness Book for being the "world's greatest miser." Looking outside of her tight fisted nature, she was actually a powerhouse of an individual. She not only had her own bank account before women were legally allowed to open their own accounts, she was respected in the financial world by giants on Wall Street.

Green was a woman in a man's world who not only inherited wealth but amassed her own wealth through her strict budgeting and her ability to navigate stocks. Maybe should be remembered as a financial pioneer ahead of her time instead of her ability to hold on to a dollar. "Hetty: The Genius and Madness of America's First Female Tycoon" is attempting to do just that, highlighting the woman's business sense not just her eccentric nature.

File:Hetty Green and Terrier.jpg - Wikimedia Commonscommons.wikimedia.org

Green was so savvy with her investments that the millionaire had to bail out investors on Wall Street. She foresaw the "Knickerbocker crisis" of 1907 and when John Pierpont Morgan (yeah, that J.P. Morgan) called the greatest minds in finance to help him figure out how to save the economy, Green was the only woman at the table.

She bailed out The New York Central Railroad with a loan according to Yahoo Finance, which cited quotes from the 1916 Literary Digest. Green explains in one of the quotes that she knew the chaos was coming and did her part to help others without taking advantage of the situation. So much for the stingy miser label.

“When the crash came I had money, and I was one of the very few who really had it. The others had their ‘securities’ and their ‘values.’ I had the cash and they had to come to me,” she said.

Yahoo Finance highlights that she loaned the New York City government $1.1 million at the height of the 1907 panic and just months before she loaned them $4.5 million.

“Those to whom I loaned money got it at 6%. I might just as easily have secured 40%,” she explained. “Never in my life—no matter what has been said against me—have I practiced usury, and no one knows it better than the wealthy men who have had business dealings with me.”

There you have it, Hetty Green, The World's Greatest Miser, investment tycoon, business woman and multimillionaire who turns out to not be as stingy as people made her out to be.

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Golden Years

7 'old people' sayings that are actually solid life advice at every age

"Make all your words sweet because tomorrow you may have to eat them."

Photo credit: Canva

Elder wisdom can come in handy.

With age comes wisdom, or at least we hope it does. As we get older, we collect life lessons that we can pass along to younger generations, sometimes with lengthy stories, sometimes with quippy sayings.

Adages like "A penny saved is a penny earned," or "Early to bed, early to rise makes a man healthy, wealthy, and wise," have been part of our collective treasure chest of life advice for generations, but the aphorisms that spring from the experience of our loved ones and mentors are often the most meaningful.

Someone shared that they'd read and appreciated this old man's advice: “My grandpa once told me 'if you get on the wrong train, get off at the nearest station, the longer it takes you to get off, the more expensive the return trip will be.' He wasn’t talking about trains.” The person asked for more tidbits of wisdom from old folks and people started sharing sayings they heard from their elders growing up.

Here are some of the best "old man advice" sayings and how they can be applied in a person's life.

"You might miss what’s ahead of you if you keep concentrating on what’s in the rear view mirror."

Another commenter put it another way: "Don't look behind you, you aren't going that way." This adage is about not dwelling on the past. Many of us have a tendency to spend more time mentally in the past, rehashing old memories or being nostalgic for what once was, than we do in the present or looking forward to the future. There's nothing wrong with a little reflection, but if most of our focus is in the past, we miss out on the present. Rear view mirrors are for quick glances, not where our focus should be.

"Do the right thing, even if nobody is watching."

This saying is about good character and true integrity. If you notice someone drop a $20 bill and no one is around to see but you, do you give it back to them or do you pick it up and keep it? If you realize that a store didn't charge you for an item, do you point it out and make it right or do you allow the mistake to remain? There are opportunities each day for us to choose between right and wrong, and those choices really speak to who we are if they are made without anyone else knowing.

bart simpson episode 21 GIFGiphy


"Be nice to everybody you meet on the way up the ladder. You'll see the same faces on the way down "

Don't get cocky and don't burn bridges you think you won't need to return to. There's value in being kind for its own sake, but there's also the reality that being kind also makes people like you. When people like you, they're more likely to lend you a helping hand, and you never know when you're going to be in a position to need one. It's also a good reminder that you're not inherently better than anyone else just because of where you are in life. We're all constantly in flux, so it's important to stay humble and kind.

In other words, "Make all your words sweet because tomorrow you may have to eat them."

"One of the most powerful negotiating tools is silence."

The power of silence in general is often underrated, but it can be an especially useful tool in a negotiation. Some people are so uncomfortable with silence that they will make concessions simply to avoid it. And sometimes the best response to an unreasonable demand is to just say nothing and stare, letting the other party come to the realization themselves. It takes calm confidence to simply be quiet and let the silence fill the room, which can feel surprisingly intimidating.

Eddie Murphy Shut Up GIF by BounceGiphy

"Always listen to your gut, even if you can’t explain it."

Ah, the strange and mysterious sense of intuition that we can't really describe but know when we feel it. Whether it's getting a creepy vibe about a person or a little voice telling you to do or not do something, those "gut instincts" can serve us well. Of course, if we are prone to anxiety, our instincts can sometimes be confused with anxious thoughts, but "go with your gut" is solid advice anyway.

“It doesn’t matter what path you’re on if it’s the wrong mountain.”

Sometimes people trying to find their way end up hitting roadblock after roadblock, which may mean they just haven't found the right path yet or might mean they need an entire overhaul of their life. That might look like switching career paths entirely, rather than trying to find a job in your field that fits. It might mean changing majors in the middle of your studies when you find yourself not enjoying any of your classes. It might mean finding a new community or reevaluating your relationships.

"The harder I work, the luckier I get."

Several sayings line up with this one, like "Luck is the intersection of preparation and opportunity," and "Luck favors the prepared mind." There's a lot to be said for fortune and hard work going hand in hand. If we expect good things to just land in our lap, we will likely be disappointed, but if we move in the direction of things we want to happen and do the work of preparing for good things to come our way, "luck" frequently seems to follow.

Finding a saying that resonates can be really helpful when we're facing a specific challenge in life, especially when we commit it to memory and repeat it often.

This article originally appeared in March.

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Scientists explain why that 'one smell' evokes the most blissful memory

"A single smell may instantaneously evoke a past event in our life."

Canva Photos.

A woman sniffs a flower which evokes memories.

Ever wonder why you might get a trace of a scent and instantly get carried back to a year, a time, a place? (For me, it's Scotch tape. On the rare occasion that I smell it, I'm transported right back to Christmas in the early '80s.)

The brain's olfactory bulb, which processes the sense of smell, has the strongest influence on conjuring up memories. A recent article in Harvard Medicine cites Professor of Neurobiology at Harvard Medical School, Sandeep Robert Datta, saying, “It’s now clear that even though our sense of smell is not as robust as that of a mouse or bloodhound, it is deeply tied to our cognitive centers, our emotional centers, and our memory centers. We’re dependent on it for a sense of well-being and centeredness in the world.”

Once a scent molecule enters the nasal cavity and reaches one of the "smell sensors," it makes a pit stop in the olfactory bulb and gives "information" to the cerebral cortex. In an educational video posted by Britannica, they relay "Since some of these regions are also involved in memory, a single smell may instantaneously evoke a past event in our life."

- YouTubewww.youtube.com

McDonough explains further that the information or "signals" then travel "to key areas of the brain involved in learning, emotion, and memory: the olfactory, or piriform cortex, which identifies smells; the amygdala, which is involved in generating emotion; and the hippocampus, which stores and organizes memories."

If our brain has subconsciously made a connection between a smell and something that impacted our memory, it can "store it indefinitely." She shares, "Even decades later, the same scent can bring the memory and emotional salience of the moment flooding back."

Redditors—of which there are nearly eight hundred on this thread alone—jumped to comment on the post, "What's a smell that instantly takes you back to your younger years?" The first comment is very specific: "Hot asphalt. It's immediately summer in the late '70s and I'm either playing 4-Square in the road, or we're at Six Flags."

asphalt, smells, six flags, roller coaster, memory A roller coaster loops around at Six Flags amusement park. Photo by Zachariah Aussi on Unsplash

This got hundreds of upvotes, with one person adding that they especially love the smell of asphalt in the rain. Someone then took the time to respond with the beautiful science behind that exact scent: "That smell is called petrichor and is caused by a terpene called geosmin that is released from the earth after being hit by rain. It’s a Greek word. ‘Petri’ means stone and ‘ichor’ is the golden liquid that flowed through the blood of Gods. So not only is it an amazing smell, it’s also one of the coolest words with a most unique etymology."

Quite a few also mentioned suntan oil. One person even deviously found a way to manipulate their boss, knowing how strongly it evokes memories in so many of us: "When I used to work in an office, I’d put on Coppertone at my desk Friday afternoons when I really wanted to get out early and enjoy nice weather. My boss would smell it and leave around 2 to play golf. (edit: Hawaiian Tropic)"

Along the same lines and also quite popular in the comment section was chlorine. "Chlorine in swimming pools! Not used so often anymore where I live, but back in my grandma's hometown, it's the same as ever!" Another adds how specifically this smell taps into a memory: "Being wrapped in a towel, eating ham and cheese sandwiches with Doritos by the pool was peak childhood."

nostalgia, swimming, chlorine, memory, smellsA young girl swims in a pool. Photo by Mariano Nocetti on Unsplash

So many more chimed in with answers—from freshly cut grass pulling them back through a memory tunnel to an elementary school playground, to the smell of leather reminding them of their Little League baseball team. The glue (which itself seems to trigger past experiences) that binds most of the comments seems to be: sweet memories from childhood.

A few more shared comments for the road:

"Concord grape juice gets me every time."

"A fog machine. Takes me back to the days I worked at Knott's Scary Farm."

And maybe my personal favorite? "Drakkar Noir, baby."

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Democracy

Here’s a paycheck for a McDonald’s employee. And here's my jaw hitting the ground.

The federal minimum wage is still less than this.

via JustFrugalMe/YouTube

How can anyone get by on this?

I've written extensively about minimum wage, supported by fact-checkers, economists, and scholarly studies. All of them support raising the minimum wage as a solution to lifting people out of poverty and getting them off public assistance. It's slowly happening, and there's much more to be done.

But when it comes right down to it, where the rubber meets the road is what it means for everyday workers who have to live with those wages. I honestly don't know how they do it. Ask yourself: Could I live on this small of an hourly wage? I know what my answer is.

(And note that the minimum wage in many parts of the county is STILL $7.25, so it could be even less than this).

paychecks, McDonalds, corporate power, broken systemOne year of work at McDonalds grossed this worker $13,811.18.via JustFrugalMe/YouTube

The YouTube channel Just Frugal Me discussed the viral paycheck and noted there's absolutely nothing wrong with working at McDonald's. More than 2 million people in the U.S. alone work for the fast food giant. The worker's paycheck shows they put in 72 hours over the pay period, making $8.75 per hour. Before taxes, that's $631 for the week. Just Frugal Me's breakdown is even more eye-opening, breaking down this person's pay after taxes and weighing across average rent and utility costs. Spoiler Alert: the total costs for basic necessities far outweigh what this person is making even while working 12 hours per day. But they do make too much to qualify for Medicaid, meaning they will have to go out and buy their own health insurance.

mcdonald's, minimum wage, restaurants, fast food, burgers, big macA photo of a McDonald's in Hartford, CT. via Mike Mozart/Flickr

Even in states like California, where the state's $20 minimum wage ensures that people earn nearly three times as much as the federal minimum wage, which remains as low as when this paycheck first made the rounds nearly 10 years ago.

Still, even for a worker that maxed out at 40 hours per week and took zero vacation or sick time, that's only a little over $41,000 per year. That's barely half the median wage in the state of $78,000 and far below a sustainable living wage in cities like Los Angeles.

- YouTubewww.youtube.com

The U.S. federal minimum wage is just $7.25 and hasn't been raised since 2009. In April 2025, the Raise the Wage Act of 2025 was introduced in the House of Representatives and U.S. Senate. The bill would increase the federal minimum wage to $17 an hour by 2030 and eliminate the subminimum wage for tipped workers and those with disabilities. But supporters should be cautious that it's unlikely to pass the Republican-controlled Congress.

If the Wage Act of 2025 were to pass, over $22 million workers would get a raise, which is 15% of the U.S. workforce. It would raise $70 billion for low-wage Americans, an increase of $3,200 per worker.

“No person working full-time in America should be living in poverty," Virginia Congressman Bobby Scott said in a statement. "The Raise the Wage Act will increase the pay and standard of living for nearly 22 million workers across this country. Raising the minimum wage is good for workers, good for business, and good for the economy. When we put money in the pockets of American workers, they will spend that money in their communities,”

This story originally appeared ten years ago. It has been updated to reflect new information.

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Community

How people who hate small talk can learn to enjoy it with a few simple tweaks

One by one, Mark Abrahams tackles the common anxieties and hangups people have about small talk.

Photo credit: Canva

Making small talk can be uncomfortable, but it doesn't have to be.

Some people love to chit chat and find shooting the breeze with strangers an enjoyable activity. Others, not so much. Whether it's due to social anxiety or a general loathing of the whole concept, small talk can be frustrating and annoying to some.

But according to communications expert and Stanford lecturer Mark Abrahams, it doesn't have to be that way. People can not only develop the skills for it, but they can even learn to enjoy small talk with some adjustments to how they engage with it. In his video, "How to Get Good at Small Talk, and Even Enjoy It," Abrahams first challenges the idea that small talk is unimportant.

small talk, conversation, chit chat, talking to new people, chattingMaking conversation doesn't come easily for everyone.Photo credit: Canva

"Small talk, I think, is actually a misnomer," he says. "We refer to small talk as any chit-chat or just conversation that we don't put a lot of import on, when, in fact, small talk is a wonderful way of connecting, bonding, learning, and growing." What makes it hard is that we don't have a script for it. We have to go with whatever's happening in the moment, and we tend to feel like we're being tested.

Abrahams explains that people often think of small talk like a game of tennis, where someone lobs the ball to you and you have to figure out how to return it. In reality, it's more like a game of hacky sack where everyone collaborates toward the shared goal of keeping the sack in the air. Reframing it as a group effort rather than a competition can make small talk more enjoyable and less threatening or scary.

With that mindset, Abrahams offers a series of tips that address people's common concerns and anxieties about making small talk.

www.youtube.com


Establish appropriate goals.

"Your goal is to be interested, not interesting," Abrahams says, quoting Rachel Greenwald. "A lot of us go into these situations thinking that we need to be really fascinating, engaging, and interesting, when, in fact, we just need to be present and be interested in the conversation that's happening."

Shifting the spotlight to the other person can help reduce the anxiety we might feel about being judged, Abraham explains.

Give yourself permission to pause.

Silence can feel incredibly awkward in a conversation, but it's better to take the time to think about a response rather than rush to say something just to avoid a pause.

"We have this sense that speed to respond is somehow is associated with competence," Abrahams says. "But really, what reflects best on your competence is an appropriate response. And appropriateness can take a little bit of time."

gif, awkward, conversation, small talk, chit chat, speakingAwkward Andy Samberg GIF by Brooklyn Nine-NineGiphy

One way to fill the silence while giving yourself time is to paraphrase what the other person just said, which also forces us to listen more closely.

"Most of us listen just enough to get the gist of what somebody's saying, and then we immediately start judging, rehearsing, and responding," says Abrahams. "When I paraphrase, I have to listen super intently. I have to listen to understand—what's the bottom line of what you're saying? That slows me down. And by slowing my own thoughts down and then paraphrasing them, I buy myself some time to really think."

What if you feel like you have nothing smart to say?

Abrahams shares his mother-in-law's three-word trick for keeping small talk going when you have nothing to say: "Tell me more."

"If you are ever in a situation, a communication, a conversation where you don't know what to say, most of the time you could simply say, "Tell me more," or "Give me some more detail," or "What did you mean about that point?" And just by giving the person an opportunity to speak again, that gives you time to find what you might want to say and to connect to it."

small talk, conversation, chit chat, talking to new people, chattingAwkwardness and mistakes happen to everyone. Photo credit: Canva

What if I make a mistake or say something dumb?

Yep, that's going to happen. We all make mistakes sometimes.

"Spontaneous communication is about connection, not perfection," says Abrahams. He suggests thinking of turns in conversation as "takes," like in filming. If you make a mistake, just do another take. No big deal.

What if my problem is that I have too much to say?

While some of us clam up during small talk conversations because we can't think of anything to say, some people have the opposite problem of going on for too too long.

"My mother has this wonderful saying," Abrahams says. "I know she didn't create it, but it's 'Tell me the time, don't build me the clock.'" In other words, be concise and to the point. "Many of us are clock-builders in these spontaneous speaking situations. And we have to remind ourselves when we start speaking just tell the time."

small talk, conversation, chit chat, talking to new people, talking too much, boring conversation"Tell me the time, don't build me the clock."Photo credit: Canva

What tools can I use if none of this is natural to me?

Abrahams says that thinking of a structure for what you're saying can be helpful. One structure he recommends is What? So what? Now what?

"The what is your idea, your product, your service, your belief," Abrahams explains. "The so what is why is it important to the person or people you're talking to? And then now what is what comes next. How do I get the conversation started?"

You can use this structure to frame something you're saying or as a series of questions to get conversation going.

"If I'm engaging you in conversation I can say, 'Hey, what brings you here? That's the what. When you answer, I can say, 'Oh, why is that important, or why do you find that interesting?' That's the so what. And then after that, I can ask a question like, 'Oh, so what more are you going to do, or what are you going to do next, or do you want to join me and go over here?'"

As with anything else, small talk takes practice, but eventually it becomes easier.


small talk, conversation, chit chat, talking to new people, starting a conversationStart a conversation by noting an observation in the environment.Photo credit: Canva

How do I get the conversation started?

There are the standards, like "How are you?" or "What brings you here?" but Abrahams says he likes to tie conversation openers to something relevant to the immediate situation, even if it's just an observation.
"Just the other day, I was in a situation for small talk and the very first thing I did, I came up to somebody I didn't know and I said, 'This is amazing to me. There are more people in this room wearing blue shirts than I think I've seen in a long time.' And the person said, 'You know what? You're right. That's really interesting.' And all of a sudden the conversation was off and running. All I did was notice something in the environment."

How do I end the conversation (gracefully)?

Getting out of a conversation can sometimes be harder than starting one. Abrahams suggests the "white flag" technique. In car racing, when the last lap comes around, someone waves a white flag to let racers know it's their last lap. In conversation, this can look like a signal that you're going to need to end the conversation just a bit before you actually do.

small talk, conversation, chit chat, talking to new people, talking, ending a conversationHow to gracefully bow out of a conversation.Photo credit: Canva

"You say, I need to go in a moment, but—and this is where you ask one last question, provide one last bit of feedback. So you continue the conversation on for a little bit. It might sound something like this: 'I need to get going because there's some friends over there I need to meet. But before I go, I want to just a little bit more about that trip you were telling me about to Hawaii.' And together, you can draw the conversation to an end rather than you abruptly saying, 'Oh, I need to go to the bathroom.' Or, 'Wow, that looks like good food over there.'"

It may take some time and practice, but small talk doesn't have to be torturous, especially when you know it doesn't have to be perfect.

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Fatherhood

Daughter of Clemson's president 'sacks' him during graduation ceremony. And it was perfect.

"Apparently I need to get back in the gym and start lifting weights more!"

TODAY/Youtube

Clemson University president Jim Clements receives hug of a lifetime from daughter Grace at graduation.

College graduation is a milestone moment for graduates and parents alike. For Clemson University president Jim Clements and his daughter Grace, it was an experience that they will remember for a lifetime thanks to a genuine moment of joy shared on the graduation stage.

President Clements got to present Grace with her diploma during the ClemsonLIFE graduation ceremony on May 8, 2025. ClemsonLIFE is a program for students with intellectual disabilities that counts Tanner Smith from Netflix'sLove on the Spectrum as an alum.

After Grace's name was called during the ceremony, she joyfully ran and jumped into her father's arms–sacking him to the ground as smiles and cheers went up from the crowd. "ClemsonLIFE teaches independence, job skills…and apparently, how to sack a university president. #DadDown #BestGraduationEver #AmazingGrace," President Clements captioned the video.

On the ground, Clements smiles and helps Grace up as they embrace. The two quickly recover and stand up, and Clements gives Grace a kiss on the forehead and turns her toward the crowd to take in the applause. He then gives her a big bear hug and pats her on the back before she continues to walk the stage.

During the commencement speech, President Clements said, "Grace, I'm so incredibly proud of you and all the other ClemsonLIFE graduates. And apparently I need to get back in the gym and start lifting weights more!"

- YouTubewww.youtube.com

In an interview with TODAY, President Clements shared, "It was pure joy, total and complete happiness, to see this girl, our beautiful daughter, run across the stage and literally leap into my arms. It was magical."

However, Grace quipped during the interview, "You missed me!" President Clements replied while laughing, "I did miss you, I missed you, but then when we fell, we helped each other up. And I wanted to turn her to the audience and let everyone see how beautiful and amazing she is. Then, I wanted to give her a big huge hug to let her know how much I love her,."

In another touching Instagram post, he shared, "Amazing Grace walked the stage and I hit the turf! And I wouldn’t change a thing. Watching all that Grace has accomplished during her time with ClemsonLIFE is one of the greatest joys of my life. I can’t wait to see what she achieves next."

The emotional video and photos from the graduation ceremony captured hearts and made tears flow for viewers.

"This is why I love my school. This was a daddy/daughter moment not her and the president. Such a sweet moment. I love how he went with it and how proud he is! 🧡💜," one wrote.

"Such a genuine moment!! Love everything about this and all the work that Clemson Life does!! Amazing!! 💜🧡" said another.

And one touched viewer shared, "Is there a limit on how many times you can watch a video?! This is the most amazing Grace/Daddy (aka Pres Clements) moment I’ve ever seen! It will go down in Clemson history. Congratulations, Grace! God bless you, Mom and Dad! God is good. 😭🧡💜"

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