Living Happily Ever After
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Find One Thing

Date: December 5, 2012  Author: Andrea Merriman

“We shall draw from the heart of suffering itself the means of inspiration and survival.” (Winston Churchill)

The second step to surviving anything and living a thankful life is: find just ONE THING to be thankful for each day.

Years ago, James E. Faust told of being raised in very poor times that required the use of homemade soap—rough and terrible smelling. He said from that, every day that he had the good fortune to use soft, sweet smelling soap, he never got over being thankful for it.

Regardless of our circumstances, each of us has much to be grateful for, sometimes we just have to stop and realize that. I believe no matter HOW BAD things get, you can always find SOMETHING you’re blessed with or grateful for!

I remember at one of my lowest times, the drama of 2009 that was forced upon me when the man I was married to revealed he’d been running a Ponzi scheme and was heading to federal prison and everything that went along with those terrible crimes, there were moments (ok, probably several weeks or a few months, if we’re being honest!) where I wasn’t sure I had much, besides my children, to be grateful for.

I had to dig deep for gratitude.

I remember one day thinking, “I have never felt such despair. What can I find to be thankful for?” and honestly, the only thing I could find to be thankful for was that I was alive—still breathing, anyway—because if I weren’t, that would mean my children would be orphans. So I chose to be thankful for that—that I was still breathing.

Some days it may be the only thing you’re grateful for is the fact you’re still breathing, and that’s ok. Some days are just that terrible.

Just remember to be thankful for SOMETHING.

The Open Book of My Life

Date: April 9, 2012  Author: Andrea Merriman

“We do not need to proselytise either by our speech or by our writing. We can only do so really with our lives. Let our lives be open books for all to study.” (Mahatma Gandhi)

A few weeks ago I had the opportunity to speak to graduate students of Brigham Young University’s business school who were studying fraud and ethics. The professor who invited me asked me to share my story and my thoughts on how fraud happens and how good people can get caught up in it. I’ve written about my experience quite a bit, I’ve spoken about it to various audiences quite a lot, but it was a different experience to ponder what to say when my life was an open book for all to study in an academic setting!

Here are some highlights from what I shared. I began by introducing myself with Part One of the 2010 Colorado 9News story by Cheryl Preheim. Then I said, “Well, there you have it. That’s me. I’m Andrea Merriman and I’m here today to talk about what it’s like after almost 20 years of marriage, four children, and what I thought was a wonderful life of world travel, financial prosperity, community and church service to have my life and my world collapse in one unexpected moment, the result of something I never EVER imagined would be a part of my life: FRAUD.

It was the worst nightmare I could never have imagined, only unfortunately, it was very real and sadly, it was now my life. You could title it:

Hold On—I’ve Never Smoked, Tasted Alcohol, Tried Drugs or Cheated in School, This Can’t Be Happening To Me!

No Way! I’m A Cougar Club Member and Have $10 Million In The Bank, I Can’t Be Penniless

I’ve Never Stolen A Thing In my Life, Not Even A Grape From the Grocery Store Without Paying For It

But the reality is titled more like this:

Think and Grow Rich…With A Ponzi Scheme

How To Win Friends and Influence People…Then Spend The Best Years of Your Life Behind Bars

What To Expect When You’re Expecting…5-7 Years and Get More Than The Max

Gone With The Wind…And The U.S. Marshalls

Crime and Punishment

From BYU to Federal Prison in 16 “Easy” Years

In truth, however, it’s much worse. You lose every material thing in your life, you lose the immaterial things like your good name and reputation, your wife, your children, your family and your friends, and then on top of that, you lose your entire life and your freedom, as well.

So what does all of this have to do with you? You may be sitting comfortably in your seats knowing you’re eagle scouts, you practice your religion, you’re at BYU living the honor code… something like this could never happen to you. Twenty-two years ago, I was just like you.

So how does this happen? How did a decent man fall so far? How did he do what he did to himself, to me, to his children, to his family, and to his victims?

I was interviewed by the MSNBC show, ‘American Greed’ recently and they asked basically the same question: How does a Ponzi scheme take place? How does a person get caught up in fraud that results in crime? How does it happen?

My answer?

One component of fraud is fear—fear of failure, fear of having to tell others you’ve failed, fear of losing your reputation for success by failing at something, fear of loss of job…But I also believe that selfishness, greed and pride are at the heart of it. You can’t commit fraud without them.

I also don’t believe every criminal sets out with the intent to commit a crime. I think there are good people who make a mistake, try to ‘fix it’ and fail and then choose to cover it up as they continue to work to fix it, but it’s too late. The MOMENT you ignore a mistake or attempt to disguise or try to hide even a small error is the moment your fraud begins.

Dieter Uchtdorf taught ‘Small Errors Can Have a Large Impact on Our Lives.’ He related it to airplanes and flight, but I believe it has application in business as well. He said, ‘The difference of a few degrees may seem minor. But even small errors over time can make a dramatic difference.  Suppose you were to take off from an airport at the equator, intending to circumnavigate the globe, but your course was off by just one degree. By the time you returned to the same longitude, how far off course would you be? A few miles? A hundred miles? An error of only one degree would put you almost 500 miles off course. Guard against the many little rationalizations, little white lies, misleading statements that are true but maybe not the whole truth, and courageously stay the ethical course.’

Stay on the straight and narrow path professionally and personally. (By the way, I believe ‘narrow path’ is no exaggeration.) It’s a narrow path, and when you start rationalizing and messing with the boundaries of it, you’re quickly into the gray and questionable area. And when you step off the clearly defined track of righteousness, it’s a very slippery and surprisingly short fall to the mists of darkness and impropriety.

In addition to correcting your course immediately and frequently, keep your heart in the right place. Lock your heart against things with no eternal value. Do whatever you need to do to keep your heart and your priorities in the right place in the workplace and in your professional endeavors. It can be pretty heady to go from college poverty making $4.90/hour (what I made when I was at BYU) to after graduation making $18k/month—I know, because that was my experience; that’s what my former husband made as an investment banker right out of college in the days when he was a law abiding citizen, prior to creating his Ponzi scheme.

Check your greed. Because at some point, close to $20k/month wasn’t enough. He had to have more and more and more until he sold out his wife, his children and his soul for money. Don’t make that mistake.

How do you prevent a fall like the one that destroyed my ex-husband? I think Mosiah (in the Book of Mormon) said it best: “But this much I can tell you, that if ye do not watch yourselves and your thoughts and your words and your deeds and observe the commandments of God and continue in the faith of what ye have heard…even unto the end of your lives, ye must perish. And now, O man, remember and perish not.”

I apologize for the seriousness of my comments today, but I not only feel very strongly about the importance of living a life of integrity, I’ve lived through the nightmare that results when a person fails to do that professionally. So here’s my last bit of advice, courtesy of Benjamin Franklin, before you depart, as many of you graduate and go forth not only to serve but to establish your career, demonstrate to the world of business what you’ve been taught, what Brigham Young University is about and what you stand for:

‘Let no pleasure tempt thee, no profit allure thee, no persuasion move thee, to do anything which thou knowest to be evil; so shalt thou always live jollity; for a good conscience is a continual Christmas.’

Your career and the rest of your life will be what you make of it—make them ethical, keep them fraud free and make sure every workday is, as Benjamin Franklin advised, a continual Christmas through your hard work and ethical business decisions. Thank you for letting me share a little bit of my story with you today. My best wishes and good luck to you all in your futures.”

There was a brief question and answer session afterward. As I drove home after it, I was struck by the thought that again, another unexpected experience has been mine. Had anyone told me in March 2009 when my world ended in a moment that three years later I’d not only be blogging about my unexpected life but also speaking to various groups and organizations about it, including Brigham Young University, I would NEVER have believed them!

Life is great, isn’t it? Hard, but full of amazing experiences. Never forget that wonderful blessings and moments are born of adversity, even from those challenges you can’t comprehend surviving much less enduring. I met some great people that day of my BYU speech—sharp college students with their futures ahead of them, children of friends and blog readers from Colorado, a successful businessman, BYU professor Mark Zimbelman and his cute teenage daughter.

Prior to my speech, the businessman asked me if I was nervous or if it was difficult to speak about my experience. No, it isn’t difficult. But here’s what apparently is: ”There are two things that are more difficult than making an after-dinner speech: climbing a wall which is leaning toward you and kissing a girl who is leaning away from you.” (Winston Churchill)

Signed

Date: March 18, 2012  Author: Andrea Merriman

“Elvis walked over and signed a few autographs over the fence. They were screaming. I had never seen this.” (Minnie Pearl)

She came to our home that night.

I found the whole experience quite interesting.

She came in, hugged me, was friendly and outgoing and we all sat down together: my husband, his wife and his ex-wife. I’d never seen my husband nervous; he’s a singer, actor and performer. He’s spoken at large conferences around the world, he’s sung the National Anthem at Utah Jazz games and other songs in other places in front of large crowds. He can speak or sing in front of thousands without a problem. But you should have seen him that night! (I don’t know if it was having to be alone with both of us, wife and ex-wife, in the same room at the same time or if it was because he had so much riding on that document and getting it signed—but he was definitely not his usual, calm self!)

I sat on the couch with him and watched him (literally) sweat. I admit, I was kind of entertained at the whole thing; I just sat there and tried not to smile. My former spouse is in federal prison until 2020, my husband hasn’t had to deal with a former spouse at all. I’ve been the only one of us to do that. And of the two of us, I’m by far the least comfortable with divorce and everything pertaining to it. I’ve been the one who has had to show up at Ramsey family events as “the outsider” (not the father or the mother); I’m the one introduced (if I’m introduced, some of the children never introduce me to anyone) as “the father’s wife;” I’m the one to have my husband’s children visit my home, eat at my home, hang at my home, borrow things, enjoy a friendship with me and interact just fine with me…until in the presence of their mother…and then it’s a circling of the wagons, sometimes a literal circling of their bodies around their mother like I’m a threat or a danger to her. As I’ve been the only one of us in our relationship to experience that, I confess, sometimes I feel like my husband doesn’t understand my position, doesn’t “get” my occasional discomfort. And then finally, it was my turn to sit back and let him experience a little of it!

My husband went through the entire document with us. He was slightly breathless as he read it out loud (the way you sometimes get when you’re nervous and have to speak or sing in front of other people.) His ex-wife was friendly and talkative the whole time. She appeared to agree with everything in it. Surprisingly, she nodded her head and  made supportive comments as if we share the same philosophies and that they’re the way she parents, too! When he was finished, my husband handed the paper to her, she perused it a minute or two more…and she signed it.

She left right after that, we shut the door behind her and my husband looked at me with disbelief.

The document was signed.

And there had been no pushback on a single thing.

His daughter was coming to stay.

Prison Humor

Date: April 9, 2010  Author: Andrea Merriman

One day I couldn’t help myself. I researched federal prisons on the internet.

It was like a terrible car wreck off to the side of the road. I didn’t want to see it, but I had to look.  It gave me the shivers to even know someone going to prison.

I wasn’t the only one thinking about prisons.

My oldest son was too.  He came home one day to report that at school his economics teacher showed the class a prison in Georgia.  I couldn’t believe it.  What are the odds they’d be discussing prisons in economics as my son’s father was heading to one?

To my son, the Georgia prison looked like a nice hotel: glass walls with forest views, basketball courts, tennis courts, ping pong tables, and every cell had a flat screen t.v.

It was incomprehensible to me, and to my kids, that we knew someone heading to prison.

I also couldn’t believe I didn’t know where my children and I were going to live or how we were going to eat, yet He was going to have everything provided for him in prison! Never had the thought of prison sounded like a dream, but there was a tiny part of me that felt like He was getting off easier than I was.  His sentence sounded a lot less harsh than mine.

So my children and I joked about it.  (And I have to give Him credit.  He sat there and took our jokes.)

We repeated jokes like, “In prison, you get three square meals a day. At home, you cook three square meals a day and try to get your kids to eat them. In prison, if you have visitors, all you do is go to a room, sit, talk and then say good-bye when you are ready or your time is up. At home, you clean for days getting ready for your guests, cook and clean up after your guests, and hope that they will one day leave. In prison, you spend your free time writing letters or hanging out in your own space all day. At home, you get to clean your space and everyone else’s space, too, and what the heck is free time again? In prison, there are no whining children or spouses asking you to do something else for them. At home….stop me when I get to the downside of prison, will ya?”

But my oldest son made us laugh the hardest.  He detailed the prison he learned about in school to his dad and suggested He “make a reservation” for Georgia for the next several years!

I guess you had to be there. But I do know the laughter was a nice break from crying! It always is.

“With the fearful strain that is on me night and day, if I did not laugh I should die.” (Abraham Lincoln)

I knew the feeling.  We all did.