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Personal Finance

They raised seven kids while drowning in debt. Here are the lessons they're passing on.

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The Kunziers were rich in the things that matter most—family and love—but their finances were in shambles.

John Kunzier had been running a successful construction business when 9/11 happened and changed everything. When the business started struggling, John didn't want to fire his employees, so he made some decisions that, in hindsight, were the wrong ones. The following year, the business failed.

John Kunzier. All photos via Upworthy.

"It was a big blow to my ego," says John, "to have something you built completely collapse."

John had to declare bankruptcy. John's wife, Liz, was pregnant with twins at the time, and the family had to rely on loans to make ends meet. "We actually took out a loan that would never end," says John.

"It was a horrible financial decision for us," says Liz.

The Kunziers began, slowly but surely, picking up the pieces of their financial life but then the 2008 Great Recession hit. "It was literally like somebody ripped the rug out from under us," says John.

Liz kept a "money tree"—a good luck tree people sometimes keep in their homes. The tree wasn't in great shape, but it limped along, and then one day one of the twins cut it down. It was the perfect metaphor for the family's financial situation.

As a result, the family took no vacations, never ate out, and didn't buy any new toys. Despite that, they weren't unhappy.

The Kunziers are a large family. John and Liz have seven kids including the twins and two grandchildren. So when they hit financial hard times, they had to cut out everything but the necessities. The couple didn't even give each other birthday or Christmas presents.

They've been real with their kids about their situation, especially as they've gotten older. The family lives in a very affluent area, and the kids are used to seeing people with lots of material things. But John and Liz maintained the philosophy that "things don't make you happy."

The Kunziers. Photo via the Kunziers.

"I took it as us being a different kind of rich," says the Kunzier's daughter, Claire. "Us being rich in family."

Not wanting their kids to feel a sense of deprivation, Liz says, "We didn't say, 'Oh we can't do that because we can't afford it,' we would just say, 'No, we're not doing that. That's not something we're going to do.'"

"We wanted to make sure your upbringing was good and memorable and fun, and that you guys didn't know any different," John tells his kids.

What's more, the Kunzier kids have learned valuable lessons from their parents' financial experiences.

When the market turned around, the Kunziers were able to refinance their home, which helped them climb out of their financial hole. "All of a sudden, things got better and better and better," says John. "It's a snowball effect, either way."

Because the Kunziers are open with their kids about their financial journey, their kids will have a better sense of how to financially plan and make sound monetary decisions.

"I think it's really important for me to hear this," says Claire. "Because I am a freshman in college, and I am starting to make these financial decisions for myself, especially with loans." Claire says she won't live on campus next year so she won't have to take a loan out to pay for room and board.

Claire with her sister and mother. Photo via Upworthy.

"For me," she says, "deciding what's important to do is being shaped by what you guys did."

The Kunziers now have loads of financial wisdom, guidance, and proven advice to pass on to their kids and grandkids. But perhaps the most crucial lesson is one they've already imparted — how to maintain a resilient spirit and focus on what's most important when times are toughest.

"We didn't have all the money in the world, but we had each other," says the Kunziers' son, Jack.

"Not having a whole lot of money isn't the worst thing in the world," says Liz, "because if you've got your family with you, and you love each other. That makes it not sting so bad."

Learn more about the Kunziers in the video below:

These parents are being brutally honest about their financial history so their kids can learn from their mistakes — and that there are things more valuable than money.
Posted by Upworthy on Thursday, November 29, 2018
From Your Site Articles
Art

In 125 years, millions of people have looked at this painting. No one really saw it until recently.

Van Gogh saw something it took scientists another 100 years to see.

Image from Wikimedia Commons.

Van Gogh's Starry Night, 1889.

Vincent van Gogh never got to enjoy his own historic success as an artist (even though we've been able to imagine what that moment might have looked like). Van Gogh died in 1890 at the age of 37 in Auvers-sur-Oise, France after shooting himself in the chest with a revolver. It was a tragic end to a turbulent life marked by mental instability and severe self-doubt.

According to the Van Gogh Museum, in a letter to his brother Theo in 1890, just a couple of weeks before his death, Van Gogh wrote, "...my life, is attacked at the very root, my step also is faltering." The man was struggling and exhausted. The high standards he had set for himself and his art were taking a toll. He was unsure about his future and, up to this point, had not received much recognition for his work and thought himself a failure "as a man and as an artist."

His most well-known work, Starry Night, was famously painted while Van Gogh was staying in an asylum in France 1889 after he mutilated his ear during a psychotic episode. According to the Van Gogh Museum, though, this may not be the full story. While it is widely agreed that Van Gogh did in fact cut off his own ear, the museum notes that it was because of a fight between Van Gogh and Paul Gaugin, the artist he had been working for in Aries, that led to the violent explosion that highlighted his deteriorating mental state.

Vincent Van Gogh, artist, 19th century, famous artist, Starry NightVincent Van Gogh's Self-Portrait, 1889Image via Canva.

As one of the best known and most studied artists of the 19th century, Van Gogh's madness and how it influenced his work is not new information. But it turns out that those of us who have appreciated his work have been missing out on some critical details for more than 100 years—revealed in the 2010s thanks to the Hubble Space Telescope.

A video at the bottom of the page will explain everything, but before we get there, let's do some backstory:

We known Van Gogh was an artist—and a genius artist at that—but, it turns out, he was also scientist. Kind of.

Whether intentionally or not, fresh eyes have found that Van Gogh's art—aside from being breathtaking—also captures one of science and nature's most elusive concepts: Turbulence.

The concept of turbulence is hard to understand with math, but it turns out art makes it fairly easy to comprehend through depiction. So, what is turbulence?

According to Britannica, turbulence, or turbulent flow, is a concept of fluid dynamics in which a type of fluid flow (liquid or gas like air or water or air) undergoes an irregular fluctuation or energy cascade. In other words, the air or water swirls and eddies as it moves: big eddies make smaller eddies, and those make even smaller ones, and so on. Common examples of turbulent flow include blood flow in arteries, lava flow, atmosphere and ocean currents, and the flow in boat wakes or surrounding the tips of aircraft wings.

It looks like this:

figures, flow, turbulence, turbulent flow, science, movementTurbulent flow illustrated and animated.All Van Gogh GIFs via TED-Ed.

The thing is, scientists only started figuring this out pretty recently.

turbulence, turbulent flow, science, nature, researchAnimation of art referencing science.All Van Gogh GIFs via TED-Ed.

And yet, there was Mr. Vincent van Gogh, 100 years earlier in his asylum with a mutilated ear and able to accurately capture this turbulent flow in what would become his most famous work, Starry Night.

Starry Night, Van Gogh, turbulence, art, art captures scienceAnimated Starry NightAll Van Gogh GIFs via TED-Ed.

The folks who noticed Van Gogh's ability to capture turbulence checked to see whether other artists did the same. Most of the Impressionists achieved "luminance" with their art—a striking and lifelike depiction of light's effect on color. While impressive, they did not capture or depict turbulence the way Van Gogh did.

The Scream, Edvard Munch, art, popular art, history, painting An animated depiction of The Scream.All Van Gogh GIFs via TED-Ed.

Not even Edvard Munch's The Scream, with it's swirling color and movement, could recreate what Van Gogh had accomplished.

Even in his darkest time, Van Gogh was able to capture—with eerie accuracy—one of nature's most complex and confusing concepts 100 years before scientists had the technology to do so.

Who would have thought that the beauty Van Gogh captured was foreshadowing what scientists would observe in the real, natural world in a century's time? To learn even more, watch the TED-Ed video below:

- YouTubeyoutu.be

This article originally appeared twelve years ago. It has been updated.

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Wellness

A professor reveals the secret of how to make 'gratitude lists' really work

"Those adults are regularly moved to tears to learn of the positive impact they had."

Photo credit: Canva

A woman crosses her arms in gratitude. A person writes a letter.

It's true that "gratitude" has become a buzzword and the very idea of it seems trite and empty to some. For others, the world might feel too chaotic at the moment to focus on the tiny, good things we're told to hang onto. But a professor of psychology at Gonzaga University gave some insight on how to make the concept of gratitude truly enhance our lives.

It's easy to take things for granted sometimes. Keeping a list of stuff we're grateful for, big and small, can certainly help put life into perspective—and not just items at the top of Maslow's hierarchy of needs (like air and water), but all along the pyramid. It can change daily from "I got good sleep last night" to "I'm glad the TV show I like is back for a new season."

- YouTubewww.youtube.com

There's a guy on TikTok called David the Grateful Guy (@today.iam.grateful), and as you might have guessed, he posts clips of different things for which he's grateful. One day, he expressed his appreciation for salt. That’s it. Just salt.

@today.iam.grateful

Today I am grateful for salt! Anyone else add salt to almost everything?! #grateful #gratitude #gratitudejournal #todayiamgrateful #thankfulfor #salt #gratitudepractice

What was extra special is this short video garnered nearly 5,000 comments, binding a community together with jokes and "salt-recognition." It was the sharing of his gratitude that spread joy, more than the salt itself. Kind of like a "Oh yeah, salt IS nice." (Note: a cardiologist might not share this sentiment.)

Professor Monica Y. Bartlett, who in her own words teaches "courses on resilience and human flourishing," shares how important it is to do this. She writes in The Conversation that aside from being aware of your gratitude, "a second method for practicing is expressing that gratitude to others. This can look like writing a letter of gratitude and delivering it to someone who has made a positive impact in your life."

- YouTubewww.youtube.com

This can even be a letter in retrospect for someone who has passed on. The act of expressing one's appreciation is just as important as the appreciation itself. Now, this can't always be implemented, but when it can, it might be extremely impactful. Bartlett continues, "When my students do this exercise, it often results in touching interactions. For instance, my college students often write to high school mentors, and those adults are regularly moved to tears to learn of the positive impact they had. Expressing gratitude in work settings can boost employees’ sense of social worth."

A thread, "What's something you're most grateful for?" yielded many comments on Reddit. Lots of people answered food, shelter, air, family. But a few got specific. One person vulnerably shared, "Being gay in a country that doesn't illegalize it. It's still hard, but at least I don’t have to fear for my life."

Another person answered, "Coca-Cola. I'm a simple gal," and another got more specific, "Great red wine—spend a little more than £15 a bottle—but no more than £80—and pick good company (this bit is more important than the absolute price of the wine) and you have a fantastic evening."

red wine, gratitude, friendship, clinking glasses, relaxingPeople clinking their glasses of red wine for a cheers. Photo by Kelsey Knight on Unsplash

And one commenter simply wrote, "I'm grateful to see another day." Perhaps implementing the idea of writing gratitude letters to all the people who help make them feel that way would even triple the impact of happiness. To end with Bartlett's insightful words, "In a world that may currently feel bleak, a letter of gratitude may not only help the writer recognize the good of others, but also let others know that they are making a beautiful difference in the world."

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Joy

A woman accidentally said, 'Love you!' to an important client. His response was perfect.

He even followed up with a heartwarming e-mail.

Photo credit: Canva

Saying "I love you!" by accident is one of life's most cringe moments.

For many of us, telling our friends and family that we love them is second nature. Every time someone leaves the house, "Love you!" Before bed at night, "Love you!" Getting off a call with them, "Love you!"

That's all well and good until that sweetly ingrained habit spills over into your work life. Especially when you're talking to an important client, where the boundaries of professional conduct are particularly important to uphold. (Do you feel the cringe coming?)

I Love You Elf GIF by MOODMANGiphy

A woman shared an oh-so-human story about absent-mindedly telling a client she loved him, and his thoughtful response has people cheering.

"Accidentally said 'Love you!' at the end of a call with an important client yesterday," wrote a Reddit user. "I heard him giggle as I hung up, and I was mortified. Today, I saw he emailed me this:"

The email began, "Hey—Just wanted to say that I didn't mean to laugh at you when you accidentally signed off on our call with a 'love you.' I just found it funny because I've definitely done that before, and I know it happens."

Okay, phew, he understood that the laughing was mortifying and he wasn't bothered by the "love you." But then he added the absolute best thing he could have said about the situation:

"I'm glad you have enough love in your life that that response comes naturally. If anything, you should be proud of that. :)"

Then he mercifully resumed their professional conversation. "Have a great weekend! We'll follow up about my call with Chris on Wednesday, as discussed."

embarrassing story, saying I love you on accident, workplace stories, professional communication"Love you!" Oops.Photo credit: Canva

He didn't just ignore the elephant in the room and let it hang over her like an awkward cloud. He put her at ease, letting her know he's done it before and it happens and is no big deal. But then he took it a step further, adding a deeper human layer to the moment by acknowledging the fact that the words flowing so automatically and easily for her meant she was surrounded by love.

The client's emotional intelligence and thoughtful response warmed people's hearts.

"What a great and respectful response. He is completely right, it’s such a beautiful thing to have that much love in your life that it comes out naturally."

"You work with good people."

"Honestly, this made my day 😂 It's so wholesome how they responded. Shows that a little kindness (even accidental) always leaves a good impression!"

"Such a classy response. Made you feel at ease while staying professional and moving the conversation forward."

"Green flags from that client."

Green Flag GIF by The Last Talk ShowGiphy

People also shared their own similar experiences with blurting out accidental "love you"s and it was a veritable love-fest:

"I told my supervisor I loved her at the end of our weekly touch point call - she chuckled and said she loved me too. We shared a good laugh. I am happy to see empathy from a random human, it is much needed."

"I said 'love you' to my new boss at labcorp when she called me to tell me I passed my drug test. Same thing, hanging up, not thinking, she gave me my results and my start date to come in for orientation and I ended the call with 'bye love you!'"

"Back in the day I straight up called one of my bosses mom. It was so embarrassing I almost died."

"A surprising number of people have done this at least once. Happens when you’re distracted and tired. My ex husband (a prosecutor) accidentally ended a phone call with 'I love you' when talking to a rural county sheriff in the middle of the night."

Embarrassed Hide GIF by florGiphy

"I had a coworker say 'love you,' just as we were about to hang up. There was an awkward pause, clearly neither of us had hung up, then he added, 'Don’t tell my wife.' We both laughed and finally disconnected."

"I did that with my ex husband last Thursday, we both burst out laughing lol. Happily we get along great and he and his fiancée are attending my wedding next week."

"Was on phone with my boss right after he had called his wife. He ended the call with "love you." Had so much fun telling him that while I cared for him, I didn't think it was love."

Embarrassing moments don't have to ruin your day—in fact, when handled like this client, they can turn into beautiful moments of human connection. This kind of relatability, empathy, and emotional intelligence makes us all feel better about our shared humanity, oopsies and all.

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Animals & Wildlife

Robert Irwin weighs in on the '100 men vs. 1 gorilla' debate with the best possible answer

In the most Irwin way, he turned the viral question on its head.

Queensland Police Service/Wikimedia Commons (left), Photo credit: Canva (center and right)

Robert Irwin's answer to who would win in a fight between 100 men and 1 gorilla settles the debate.

In 2020, a viral debate was launched on social media prompted by an intriguing question: Who would win in a fight between 100 men and 1 silverback gorilla? In the years since, the question has been reposed repeatedly, with people expressing diverse but vehement opinions about whether a gorilla is strong enough to take on 100 humans or whether the sheer number of people would be enough to overtake the powerful primate.

Silly question? Perhaps. Something people can't help weighing in on? Most definitely.


@cbsmornings

Could 100 men defeat one gorilla in a fight? #NateBurleson and the internet are on the case. #gorilla


Some might think the most prudent answer would be, "It depends. What size are the people, and what's their strategy for attacking or subduing the gorilla?" But Robert Irwin, the conservationist son of the late (and much beloved) wildlife expert Steve Irwin, actually provided a perfect answer that should end the debate once and for all.

Irwin took to TikTok to share that he's been asked the "Who would win in a fight between 100 humans and 1 gorilla?" question over and over recently, even having people stop him on the street to ask.

"I have a couple thoughts on this," he began. "First of all, I don't know. Gorillas are strong, mate. Like really strong. But it's a hundred people. I'm not sure." But, he said, as an animal conservationist, the entire idea of fighting an endangered species didn't sit right with him. Then he turned the question on its head.

"How many people does it take to save gorillas?" he asked. "That's the question we should be asking because there's not many of them left."

@robertirwin

Everyone here on TikTok keeps asking me about this viral ‘Human V Gorilla’ debate 😂 I'm finally weighing in on the discussion everyone is talking about.


He explained that yes, gorillas are super strong and powerful, but most of the time "they're pretty chill." A gorilla isn't going to just randomly pick a fight with 100 people. Unless they feel threatened and need to defend themselves, they're just going to go about doing their thing, as gorillas do. "I guess what I'm trying to say is we don't need to fight gorillas," concluded Irwin. "Maybe let's just let this one remain a mystery."

People loved Irwin's take and the way he turned the question on its head from fighting gorillas to saving them.

"This is real masculinity. Lover not a fighter."

"Him gentle parenting us like school children is sending me."

gif, gorilla, animals, conservation, naturegorilla hurrying GIFGiphy

"The main man has spoken. The debate is over."

"He really said, 'it’s never HOW is the gorilla.'"

"'How many people does it take to save gorillas' is the most Robert Irwin answer."

"Your dad would be proud ❤️ spoken like a true conservationist ❤️."

Robert Irwin has followed in his father's footsteps and become an environmental icon in his own right, with fans from all over the world following his passionate educational content about our planet's creatures. Many in the comments remarked that they didn't know that gorillas were endangered, but it's true. All species of gorilla are considered Endangered or Critically Endangered, according to Endangered Species International.

There are two main species of gorilla, the eastern and western gorilla, and the World Wildlife Fund reports that both species have been decreasing in number for decades. However, the mountain gorilla subspecies is the sole exception, with numbers on the rise thanks to concerted conservation efforts. Mountain gorillas were officially downgraded from Critically Endangered to Endangered in November 2018, a genuine conservation success story.

However, there are still only around 1,000 mountain gorillas in the world today, so that turnaround in numbers is a fragile success. And other species still need our help to save them from further demise.

gorillas, endangered species, gorilla vs 100 humansGorillas are generally pretty chill.Photo credit: Canva

The Dian Fossey Gorilla Fund has been working on saving gorillas for over 55 years, focusing on a holistic approach that includes gorilla protection and ecosystem preservation, scientific research, training the next generation of conservationists, and helping local communities near gorilla populations. You can learn more here.

Thank you, Robert Irwin, for the gentle and timely reminder of what really matters in the gorilla vs. humans debate.

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animals
Joy

Did you know that at least 10 baby names have been banned in the United States?

What happened to freedom of speech?

via Canva/Photos

A crying baby.

The names we give to our children can be very personal. They can reflect religious beliefs, family heritage, or have a special meaning attached to them, as in Grace, which means "divine favor," or Eli, which means "ascended." In the United States, people they are protected by the Constitution's First Amendment, freedom of speech, which allows us to name our babies whatever we like.

However, there have been some cases where the courts decided that a particular name is illegal, and, although it is infrequent, it has happened at least 10 times in the country. The most notable banned names are Misteri N-Word, King, Queen, Jesus Christ, III, Santa Claus, Majesty, Adolf Hitler, @, and 1069.

court, court reporter, legal system, plaintiff, judge, baliffA court reporter taking notes.via Canva/Photos

Why are these 10 names banned in the United States?

III (Roman numerals pronounced “three”)

Thomas Boyd Ritchie III was known by many of his friends simply as III. So, he petitioned the court to have his name changed to Roman numerals. Sadly, a California court rejected the name change because it was a symbol and a number. It’s illegal for people to have numbers in their names because they can’t be entered into state name databases.

Misteri (N-word)

In the California Superior Court case Lee v. Superior Court (1992), Russell Lawrence Lee wanted to change his name to Misteri (N-word). Lee believed that the name could be used to conquer racial hatred. Unfortunately for Lee, the court denied his request, saying the name constituted “fighting words.”

@ (pronounced “at”)

The address symbol, or @, has been banned in multiple jurisdictions because, like a numeral, it cannot be input into state database records.

Jesus Christ

The name of the Christian lord and savior has been banned in several U.S. states based on claims of blasphemy and the possibility of confusion.

jesus christ, heaven, god, divinity, holy trinity, religionDepiction of Jesus Christ in Heaven.via Canva/Photos

1069

In 1976, the North Dakota Supreme Court told high school teacher Michael Herbert Dengler that he could not change his name to “1069.” “The only way [my] identity can be expressed is 1069. The first character, 1, stands for my concept of nature which manifests itself as one individual among the various forms of life,” he noted. “I stand as a single entity amongst millions of other entities, animate and inanimate. But yet even though I am an entity unto myself, I am part of the whole of life which is one. I am one; life is one; and together we are one.”

He later moved to Minnesota and tried to change his name, but he was rejected again. Neither state allowed people to have numbers as their names.

Santa Claus

In December 1999, Robert William Handley of Ohio filed a petition to change his name to Santa Rob Claus, because he had played the Christmas character for the past 40 years, and was known as “Santa Rob” year-round. The court rejected his petition, saying it was “misleading to the children of the community.” Two years later, the Supreme Court of Utah allowed the name change.

santa claus, santa rob, banned names, christmas, saint nickA photo of Santa Claus.via Canva/Photos

Majesty, King, Queen

In several states, naming your child after a royal title is illegal to avoid confusion with actual royalty. Does Queen Latifah know this?

Adolf Hitler

If you want to name your child Adolf Hitler, you can’t do it in Texas. After the atrocities he committed in the 1930s and ‘40s, his name has no place in the Lone Star State. However, you can be named Adolf Hitler in New Jersey. Back in 2009, there was a big hubbub when the father of Adolf Hitler Campbell wanted his child’s name written on a birthday cake, and the proprietor of the business refused.

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