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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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Mental Health

Happiness researcher explains how making a 'reverse bucket list' can change your life

Counterintuitive in our culture, but effective.

Gage Skidmore/Wikimedia Commons

Harvard researcher Arthur C. Brooks studies what leads to human happiness.

We live in a society that prizes ambition, celebrating goal-setting, and hustle culture as praiseworthy vehicles on the road to success. We also live in a society that associates successfully getting whatever our hearts desire with happiness. The formula we internalize from an early age is that desire + ambition + goal-setting + doing what it takes = a successful, happy life.

But as Harvard University happiness researcher Arthur C. Brooks has found, in his studies as well as his own experience, that happiness doesn't follow that formula. "It took me too long to figure this one out," Brooks told podcast host Tim Ferris, explaining why he uses a "reverse bucket list" to live a happier life.

bucket list, wants, desires, goals, detachment Many people make bucket lists of things they want in life. Giphy

Brooks shared that on his birthday, he would always make a list of his desires, ambitions, and things he wanted to accomplish—a bucket list. But when he was 50, he found his bucket list from when he was 40 and had an epiphany: "I looked at that list from when I was 40, and I'd checked everything off that list. And I was less happy at 50 than I was at 40."

As a social scientist, he recognized that he was doing something wrong and analyzed it.

"This is a neurophysiological problem and a psychological problem all rolled into one handy package," he said. "I was making the mistake of thinking that my satisfaction would come from having more. And the truth of the matter is that lasting and stable satisfaction, which doesn't wear off in a minute, comes when you understand that your satisfaction is your haves divided by your wants…You can increase your satisfaction temporarily and inefficiently by having more, or permanently and securely by wanting less."

Brooks concluded that he needed a "reverse bucket list" that would help him "consciously detach" from his worldly wants and desires by simply writing them down and crossing them off.

"I know that these things are going to occur to me as natural goals," Brooks said, citing human evolutionary psychology. "But I do not want to be owned by them. I want to manage them." He discussed moving those desires from the instinctual limbic system to the conscious pre-frontal cortex by examining each one and saying, "Maybe I get it, maybe I don't," but crossing them off as attachments. "And I'm free…it works," he said.

- YouTube www.youtube.com

"When I write them down, I acknowledge that I have the desire," he explained on X. "When I cross them out, I acknowledge that I will not be attached to this goal."

The idea that attachment itself causes unhappiness is a concept found in many spiritual traditions, but it is most closely associated with Buddhism. Mike Brooks, PhD, explains that humans need healthy attachments, such as an attachment to staying alive and attachments to loved ones, to avoid suffering. But many things to which we are attached are not necessarily healthy, either by degree (over-attachment) or by nature (being attached to things that are impermanent).

"We should strive for flexibility in our attachments because the objects of our attachment are inherently in flux," Brooks writes in Psychology Today. "In this way, we suffer unnecessarily when we don't accept their impermanent nature."

What Arthur C. Brooks suggests that we strive to detach ourselves from our wants and desires because the simplest way to solve the 'haves/wants = happiness' formula is to reduce the denominator. The reverse bucket list, in which you cross off desires before you fulfill them, can help free you from attachment and lead to a happier overall existence.

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Education

Stop struggling with small talk by using the easy 'COST method'

This simple acronym will make your next social gathering a lot more enjoyable.

via Canva/Photos

A man and woman chatting at a dinner party.

There are several reasons why people are hesitant to engage in small talk at a party or around the water cooler at work. Some people simply avoid it because they don’t find chatting about the weather, sports, or what they saw on television the night before very interesting.

Others are afraid that they may run out of things to say or that there will be an awkward pause that makes them want to hide their head in the sand, like an ostrich. Mary, a friendship educator with a degree in interpersonal communication, has a solution for those of us who want to be friendly and meet people but abhor small talk; she calls it the COST method.

What is the COST method for making small talk?

According to Mary, who goes by @better.social.skills on TikTok, COST stands for Compliment, Observation, Story, and Tip. These are four options you can turn to when you're in need of a conversation topic.

@better.social.skills

Remember the acronym C.O.S.T. and you’ll always have something to talk about at parties or events. C stands for compliment. Tell somebody you like their shirt or shoes, for example, and see where the conversation leads. O stands for observation. Remark on something happening around you, like if you enjoy the music or feel a certain way about the weather. A stands for story, in which you share a little anecdote about yourself. For example, maybe you were late to the party for some reason, or you’re excited to get home and watch a show you’re loving. T stands for tip, in which you give a small recommendation to someone. For example, where the shortest bathroom lines are, which food is particular particularly delicious, or point out an interesting person they might want to talk to. What do you think? Would you use these? #creatorsearchinsights #conversationstarters

1. Compliment

“Tell somebody you like their shirt or shoes, for example, and see where the conversation leads,” Mary says.

“Oh, I like your shoes.”

“I like your shirt.”

“You have such a soothing voice.”

2. Observation

“Remark on something happening around you,” Mary says.

“This song is amazing.”

“I really love how Jeanie decorated this room.”

“There’s a lot more people here than last night.”

3. Story

“Share a little anecdote about yourself. For example, maybe you were late to the party for some reason, or you’re excited to get home and watch a show you’re loving,” she said.

4. Tip

“Give a small recommendation to someone. For example, where the shortest bathroom lines are, which food is particularly delicious, or point out an interesting person they might want to talk to,” Mary said.

“I don’t know if you’ve tried the new Mexican place on South Street yet…”

“I’d have one of Jeanie’s margaritas now, before they are all gone.”

“Be careful if you talk to Brian. He can get a bit long-winded.”

chatting before movie, popcorn, movie theater, snacks, small talk Three people chatitng before a movie.via Canva/Photos

The great thing, if you’re a little shy about making small talk, is that studies show that you definitely don’t need to do all the heavy lifting in the conversation. In fact, a Gong.io study found that the best way to make a connection with someone is to speak 43% of the time and let your new friend talk for the other 57% of the conversation.

Further proof that the best way to make a great first impression is a study published in the Journal of Personality and Social Psychology. It found that when meeting someone for the first time, ask them a question and then be sure to ask two additional follow-ups before discussing yourself. This has been found to dramatically increase your likability.

“We identify a robust and consistent relationship between question-asking and liking,” the authors of the study write. “People who ask more questions, particularly follow-up questions, are better liked by their conversation partners.”

For those of you who have always felt that you're bad at making small talk. while others seemed to do it naturally, realize that people aren’t born great communicators; it’s a skill that can be learned just like anything else. With a few tips from the experts, you can go from dreading small talk to enjoying striking up a conversation with just about anyone.

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A 3-word method can help you make relaxed small talk that doesn't feel like an interview

Injecting some personality can make things a lot more fun.

via Canva/Photos

A man and woman chatting over some wine.

A lot of people are uncomfortable making small talk, but it’s an essential skill that can make or break your love life, career, and social experiences. Many people believe that being good at chatting with others is something innate, but those who excel at it work at their craft and pick up small tips along the way to become better communicators.

One of the tricks that all great communicators know is that you will be more likable when you're more interested than interesting. Study after study shows that people love talking about themselves, and if you ask people more questions, they will like you a lot more than if you did all the talking. So, how do we do this without creating a one-sided conversation where your conversation partner learns nothing about you? The folks at the Science of People have shared the statement-plus question technique.

The statement-plus technique

“One of the smoothest ways to keep conversation flowing is to share a brief personal statement followed by a question,” the Science of People writes. “This technique accomplishes two things: it gives the other person information about you (making you seem more approachable and interesting) while also redirecting focus to them.”

small talk, conversation, office party, people talking, wine Coworkers having a nice conversation.via Canva/Photos

Here are some examples:

Instead of asking “What do you do for work?” say:

“I’m a writer for Upworthy, and I enjoy seeing my work read by millions of people. What excites you about your job?”

Instead of asking, “Where do you live?” try:

“I live in Long Beach, California, and it’s really nice living by the ocean. What do you love the most about where you live?”

Instead of asking, “How do you know the person who threw the party?” say:

“I met Sarah at a church meeting seven years ago. Do you remember the first time you met her?”

These questions enable you to discuss yourself while maintaining the focus on the other person. They are also open-ended, so you don’t just get a one-word answer. You learn their job and what excites them about it. You know where they live, and they get to brag about what they like about the city. The technique also broadens the conversation because, according to the psychological phenomenon known as reciprocal self-disclosure, people are more likely to disclose things about themselves after you share something about yourself.

- YouTube youtu.be

What is reciprocal self-disclosure?

“The most likely result of your self-disclosure is that other people will do the same. In the field of communication, we refer to this as 'reciprocity.' When you share information about yourself, the most likely result is that people will start to disclose a similar type of information from their own lives," communication coach Alexander Lyon says. "In our presentations, we talk about this as a magic wand. Disclosure is the closest thing we have to a magic wand in terms of a concept in communication. When you disclose, other people almost automatically reciprocate."

Ultimately, people love to talk about themselves, and if you give them the opportunity, they will like you more for it. However, that doesn’t mean you can’t reveal some aspects of yourself at the same time while keeping the focus on them. The statement-plus question technique allows you to reveal some things about yourself while making the other person feel seen and comfortable telling you more about themselves. It’s sure to elevate your small talk to something more substantial in a relaxed way that doesn’t feel like an interview.

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History (Education)

Ancient Roman men plucked their armpit hair ​and other fun historical grooming facts

Wait until you see what they brushed their teeth with.

Photo credit: Canva

Did Julius Caesar have his armpits plucked? Probably.

Modern life may have us shaving, waxing, microblading, laser treating, Botoxing, and altering our natural appearance in all manner of ways in the name of beauty, but the idea of grooming to specific societal standards is nothing new. In cultures all around the world and throughout history, humans have found countless creative ways to make ourselves (ostensibly) look better.

Of course, what looks better is subjective and always has been. Take, for example, the ancient Romans. If you wanted to be seen as a studly man 2,000 years ago in the Roman Empire, you'd remove as much of your body hair as possible. That meant tweezing—or being tweezed by someone else, most likely an enslaved person.

armpit hair, grooming, hair removal, hairless, beauty standard Armpit hair wasn't cook in ancient Rome. Giphy

The Romans, in general, weren't big on body hair for men or women.

"You had to have the look,” Cameron Moffett, English Heritage’s curator at the Wroxeter Roman City museum in Shropshire, U.K., told The Times. “And the look was hairlessness, particularly the underarms.” A collection of 50 tweezers on display at the museum, recovered from the archeological site that was once the Roman city of Viriconium, speaks to Roman tweezing habits, but that's not the only evidence we have.

Stoic philosopher Seneca once wrote in a letter lamenting how the noise from the Roman baths was disrupting his work: "Besides those who just have loud voices, imagine the skinny armpit-hair plucker whose cries are shrill to draw people's attention and never stop except when he's doing his job and making someone else shriek for him."

When we picture the ancient Romans, "skinny armpit-hair plucker" may not be the image that comes to mind, yet here we are.


teeth brushing, toothbrush, oral hygiene, toothpaste, dental hygiene They brushed with what now? Giphy

While we fret over fluoride, the Romans brushed their teeth with pee and mouse brains.

Toothpastes of the past were made with all kinds of things—herbs, spices, salts, crushed bone, and more. For the ancient Romans, that "more" included mouse brains and human urine, according to Decisions in Dentistry. Mouse brains were believed to enhance the effectiveness of toothpaste, and urine, imported in large quantities from Portugal, was utilized for its ammonia content and whitening properties. A standard Roman toothpaste would be a mixture of herbs, mouse brains, urine, and a binder such as honey. Oddly enough, it appeared to be somewhat effective, with archeological findings showing a relatively low number of cavities and tooth decay.

@charissekenion

Sailorr has everyone talking about her sound - and her teeth. Here’s my super short history lesson on the practice of ohaguro #ohaguro #geisha #japanese #japantok #aapi #history #japan #historytok #sailorr #japanesebeauty

Meanwhile, in ancient Japan, women tried to blacken their teeth

Teeth whitening is all the rage in modern times, but in the distant past in parts of Asia, making your teeth black was considered beautiful. The practice known as ohaguro was a traditional Japanese practice that, ironically, was intended to prevent tooth decay.

According to a letter in the British Dental Journal, women in ancient Japan would paint a solution of ferric acetate (from iron filings), vinegar, and tannin from tea or vegetables. It was called kanemizuonto and made the teeth appear black. The practice has made a comeback among some rural areas of Southeast Asia, and the Vietnamese-American singer Sailorr has made waves with her blackened teeth as well.

ear picker, history, artifact, grooming, beauty An ornate ear picker.The Swedish History Museum, Stockholm/Wikimedia Commons

Ear pickers were much prettier than Q-tips. In fact, they were an accessory.

The old saying, "Don't put anything in your ear except your elbow," may not be as old as it seems, as people have been inserting objects into their ears to remove wax for a long time.

In the 16th and 17th centuries, it was common to see beautiful, ornate "ear pickers"—small metal tools with a small scoop at the end for cleaning ears as well as teeth and fingernails. According to Jamestown Rediscovery, it was fashionable to wear gold and silver toiletry tools, such as ear pickers or toothpicks, as accessories. It's hard to imagine wearing Q-tips and toothpicks around. Also, ew. But if you look up "ear pickers," you'll find ornate examples from various parts of the world.

At the very least, it's nice to know that modern humans are not the first ones to go to great—and sometimes interesting—lengths to meet an arbitrary social standard of beauty. (And three cheers for modern toothpaste. Seriously.)

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Marketing professor says there's one key secret to landing jobs you apply for

Scott Galloway says it's all about being social.

Image via Canva/fizkes

The key to landing a job through networking, according to a marketing professor.

Finding a new job is a nightmare scenario these days. With most people blindly applying for jobs online and submitting them into the ether, there is no guarantee of hearing a "yes" or "no" answer—and even less probability of actually landing the ones applied for.

But according to Scott Galloway, a marketing professor at New York University's Stern School of Business, there is one key thing that has been proven to help people obtain employment.

"Google puts out a job opening, they get 200 CVs within like eight minutes," Galloway said during an interview on Shane Smith’s Vice News podcast. "They limit it down to the 20 most qualified. Seventy percent of the time, the person they pick is someone who has an internal advocate."

- YouTube www.youtube.com

Galloway explains that it comes down to networking and making connections with people (i.e. being social in and outside the workplace) that ultimately can help you land a job.

"The way you [achieve professional success] as a young person is you go out, you make friends, you drink, and at every possible opportunity, you help that person out," he said. "You want to be placed in rooms of opportunities when you’re not physically there."

Although it may not lead to instant payoff, maintaining strong social connections and continuing to foster relationships before, during, and after your job search can ultimately pay off. Galloway also explained why it works with an example from high school days.

- YouTube www.youtube.com

"The most successful people in high school aren’t the best looking [or] the best athletes, they’re the ones that like other people the most," he said. "The kid who says, 'Hey, you know, great game, Brett,' or 'Wow, way to go on the basketball team, Lisa.' The person who shows the most goodwill and like toward other people is the most popular, successful person in high school.”

Ultimately, being referred to a job by a current employee is a more successful strategy than applying to a role without any connection. Nearly 40 percent of hires actually come from employee referrals, despite only 7 percent of applicants coming from referrals, a study from Jobvite found.

And according to data from Pinpoint ATS (applicant tracking software), candidates that are referred are seven times more likely to be hired than ones applying via job boards.

- YouTube www.youtube.com

How to make connections while job hunting

Galloway has three tips to help you connect with people during your job search:

Tip #1: Be as social as possible

"When you're hunting for a job in general, is to be as social as possible," he said. "Go out. Meet as many people as possible. Have fun. Make as many contacts as possible and let people know that you're looking. Most hiring managers have figured out, interviews are f***ing useless. So it's about reference hiring. To a certain extent, networking and looking for a job is a popularity contest. And how do you become most popular and put yourself in a room of opportunities even when you're not physically in it? You like as many other people as possible, you're as social as possible."

Tip #2: Don't be afraid to ask for help

Galloway also adds that it's important to not let your ego get in the way of asking for help. Reaching out will only help you, and is not a sign of weakness.

Tip #3: Be proactive and disciplined

"Make a list of what you're going to do," he said. "Make a list of this many emails, go on LinkedIn, contact this many people. Success in anything is a small series of disciplined efforts everyday."

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