Thursday, October 23, 2025

Living Thankfully: How Gratitude Shapes Our Lives and Legacy by Madeline Frank, Ph.D.


As Thanksgiving draws near, many of us pause to reflect on what we’re thankful for. But gratitude isn’t meant to be a once-a-year guest at our table—it’s meant to live with us every day.

Walker Larson, in his article “Planting Virtue: How to Raise Grateful Kids” writes that “Thankfulness is more than just good manners—it’s the foundation for good character, health, and happiness.” He’s absolutely right. Gratitude doesn’t just make us polite—it makes us strong, centered, and joyful.

The Power of Gratitude

When we count our blessings, something powerful happens. Our focus shifts from what’s missing to what’s meaningful. Grateful people are proven to sleep better, stress less, and smile more. They enjoy stronger relationships, better health, and deeper peace of mind.

Gratitude changes the lens through which we see life—it turns ordinary moments into miracles and challenges into opportunities for growth.

A Heritage of Hope and Gratitude

For me, gratitude is also rooted in heritage. My family’s story began with courageous men and women who emigrated from Europe to America—people who left behind everything familiar in search of freedom, safety, and opportunity.

They arrived with little more than faith, determination, and a belief that tomorrow could be brighter. Their legacy of perseverance and gratitude shaped generations to come. They taught us that blessings aren’t measured in wealth, but in love, resilience, and community.

The Women Who Modeled Gratitude

My mother, Romayne Leader Frank, was the granddaughter of European immigrants who believed deeply in education and self-reliance. She studied law while raising two children, scheduling her classes so she’d be home when we returned from school. We’d sit together at the dining room table—Mom with her law books, my brother and I with our homework. Whenever we struggled, she’d smile and say, “How about opening your book and looking for the answer?”

That simple phrase still echoes in my life—it taught me curiosity, confidence, and gratitude for the ability to learn.

My grandmother, Mary Chernick Leader, carried her parents’ immigrant values forward. She worked as a secretary, led a women’s stock club to teach financial independence, and volunteered with the Braille Society. I’ll never forget reading aloud to her at age seven, earning a tiny reward—a bite of chocolate and a sip of Coca-Cola—for each page. She made learning sweet in every sense of the word.

My mother-in-law, Pearl Neustein Berger, was the sixth of eight children born to European immigrants who taught honor, hard work, and faith. Widowed young, she raised two children on her own, working long hours at B. Altman’s Department Store in New York City. She insisted her children study, serve others, and attend religious services every week. Her quiet strength and endless generosity still inspire me. She was five feet one inches tall and to me she was one of the tallest and strongest women I have known because of her caring and commitment to her family, friends and helping others.


Pearl Berger’s sister, my Aunt- in- Law,
 Helen Neustein shared that same spirit of gratitude and grace. She was the 7thchild of the family. Helen also worked at B.Altman’s Department store in the shoe department. She was a wonderful person with a very big heart raised with the values of honor and respect just like her sister Pearl. My husband, Allan, remembers her playing baseball with him as a child. She was always patient and kind. Helen was also about 5 foot one inch tall but she seemed 6 feet tall because of her caring and commitment to her family, friends, and clients.

These remarkable women—each descended from immigrants who braved new beginnings—taught me that gratitude isn’t about possessions; it’s about perspective.

How to Live and Model Gratitude

Gratitude grows stronger when it’s shared.

·       Start your day with reflection. Write down three things you’re grateful for.

·       Acknowledge someone weekly. A note, a call, or a simple “thank you” can make a difference.

·       Honor your roots. Remember the people who came before you and the sacrifices they made so that you could live the life you have today.

·       Teach by example. Model gratitude for children and loved ones—praise effort, kindness, and integrity more than achievement.

When ungrateful attitudes appear—especially in younger generations—use it as a teaching moment. As Dayton Children’s Hospital notes, helping children handle disappointment builds strength and appreciation.

The Ripple Effect of Thankfulness

Living a life of gratitude is more than good manners—it’s transformational. Grateful people are more creative, compassionate, and courageous. They attract positivity, deepen relationships, and face adversity with calm confidence.

Gratitude is a magnet for joy. It reminds us that every sunrise is a gift, every friendship is a blessing, and every challenge carries a lesson.

So, this Thanksgiving—and every day after—pause to remember where you came from and who helped you get here. The courage of your ancestors, the kindness of your loved ones, and the opportunities before you are all reasons to give thanks.

Count your blessings. Share your gratitude. And live your thanks—boldly and joyfully—every single day. © 2025 Madeline Frank

 

Madeline Frank, Ph.D., DTM is an Amazon.com Best Selling Author, sought after speaker, business owner, teacher, researcher, and concert artist. She helps businesses and organizations “Tune Up their Businesses”. Her innovative observations show you the blue prints necessary to improve and keep your businesses successful. She writes a monthly newsletter “Madeline’s Monthly Article & Musical Tips” and a monthly radio show “Madeline’s One Minute Musical Radio Show”. She has just published her new book “Leadership On A Shoestring Budget”. Her book is available at Amazon.com on Kindle or as a physical book. If you need a speaker or video speaker contact Madeline at: mfrankviola@gmail.com

 

 

Thursday, October 16, 2025

PENNIES TODAY EQUAL PROSPERITY TOMORROW by Madeline Frank, Ph.D.



The Discipline of Saving and Investing: Paying Yourself First.


Learning to save and invest is not just about setting aside money—it’s about paying yourself first. It’s about ensuring that you’re prioritizing your future self and setting up a strong financial foundation for tomorrow.


My friend Stewart taught his teenage daughter the power of saving when she started her first job. He encouraged her to save 40 cents of every dollar she earned. She took this discipline with her through high school, college, and into her adult life. As a result, she is now the proud owner of two condos, thanks to her consistent saving and investing. This lesson, if shared widely, can create a ripple effect of prosperity. Learn to save for your future car, house, condo, or other essential needs—and share this mindset with your family and friends.

 

My Journey: A Lesson from Momma


I began my journey of saving when I was just 8 years old. My Momma, Romayne Leader Frank, asked me to bring the $2.25 I had saved from doing chores. “We’re going on a new adventure today,” she said, smiling. We drove to a beautiful brick building—the bank near our home. She introduced me to Mrs. Teller, who helped me open my first savings account.

 

I’ll never forget the way Mrs. Teller explained compound interest to me: “Compound interest is the interest you earn on interest.” At the time, I didn’t fully understand it, but I could see the magic in action. Every few months, Momma would take me to the bank to deposit the new money I’d earned, and Mrs. Teller would add the interest to my passbook, along with the compounded interest from the previous deposits. Watching my money grow over time became a thrill for me.


The Magic of Compound Interest

 

As I grew older, I learned more about how compound interest could work for me. The longer you leave your money invested, the more it can grow exponentially. The interest earned on your initial investment gets reinvested, so you earn interest on a larger and larger sum over time. This is why starting early is so powerful.


Let’s take a simple example: If you invest $100 and earn 5% interest annually, in one year, you would earn $5. But, the next year, you will earn 5% interest on $105 (your original $100 plus the $5 interest). The following year, you’ll earn interest on $110.25, and so on. This snowball effect can lead to wealth over time, especially if you start early and let your money grow.

 

Simple Savings Plans: A Foundation for Success


Before diving into more complex investments, it’s important to have a solid foundation of simple savings. Saving consistently and building an emergency fund will allow you to weather unexpected financial challenges and invest with confidence.

 

The Key to Simple Savings Plans:

1.    Consistency is Key: It doesn’t matter how small your contributions are; the key is consistency. Set up a savings account with interest and begin to save your money to make saving a habit.

2.    Emergency Fund First: Before diving into stocks or bonds, prioritize building an emergency fund that covers three to six months of living expenses. This gives you peace of mind knowing that you’re covered in case of a job loss or emergency.

3.    High-Yield Savings Accounts: If you’re keeping money in savings but don’t want to take on investment risks, consider putting your money in a high-yield savings account. These accounts offer better interest rates than traditional savings accounts, allowing your money to grow while remaining safe.

4.    Budgeting and Expense Management: My Momma taught me the importance of keeping a ledger, budgeting my expenses, and paying myself first. It’s important to track your income and expenses so that you can consistently contribute to your savings. 

 

Start Today for Prosperity Tomorrow:


As my story shows, the habit of saving and investing can set you on a path to financial prosperity. By starting early and consistently saving, you’ll see the compound interest work in your favor.

 

As you begin your own journey, remember that small, consistent actions can lead to long-term success. So, start saving your pennies today, and watch as they turn into your financial prosperity tomorrow. © 2025, 2024, 2019




 

Madeline Frank, Ph.D., DTM is an Amazon.com Best Selling Author, speaker, business owner, teacher, John Maxwell Team Member, conductor, and concert artist. She helps businesses and organizations “Tune Up their Business”. Her observations show you the blue prints necessary to improve and keep your business successful. Her latest book “Leadership On A Shoestring Budget” is available everywhere books are sold. If you need a speaker or video speaker contact Madeline at: mfrankviola@gmail.com

 

 

 

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Madeline Frank, Ph.D. business owner, teacher, researcher, speaker and concert artist. She writes a monthly newsletter "Madeline's Monthly Article & Musical Tips" and a monthly radio show "Madeline's One Minute Musical Radio Show".