Being Grateful for Our “Inner Savings Account”

“As a lifelong traveler, I felt in my bones how home is not where you happen to live so much as what lives inside you…my inner savings account…the Sufis say that you truly possess only what you cannot lose in a shipwreck.”[i]

I spent five months backpacking in Europe in 1975.  One summer day I was hitchhiking in Bavaria from the mountain village of Lindenberg towards Munich. There were few cars on the country road, so I was walking more than riding.  I saw a thunderstorm approaching.  I noticed a 2-story farmhouse up ahead and realized it might offer some shelter. I got there and huddled under the eaves as the rain began to fall.  A few minutes later, the door opened. A woman stepped out and offered me a black umbrella with a wooden handle.  I could not speak German well enough to converse with her, but we nodded and smiled at each other. She went back inside.  I opened the umbrella and stood under it. Fifteen minutes later, the rain stopped.  I shook it off, folded it, fastened the fabric strap around it, and knocked on the door to return it.  She opened the door and I handed it to her, bowing my head in gratitude.  But she smiled and motioned to me to keep it.  Surprised, I thanked her and resumed my trek.

I kept that umbrella with me for the rest of my trip.  I took it with me on the flight home. I kept it for years afterward, even as it got frayed.  Every time I would pick it up, I was taken back to that moment and the gracious kindness the woman had shown me.  I’ve kept the memory all these years.  It’s part of my “inner savings account.”

What lives inside us?  Memories of many kinds.

How often do you hear a song that takes you back to a time when you first heard it as it was “deposited” into your memory account? How often does a food remind you of your childhood?   How valuable are our spiritual expereinces and beliefs? How vividly do we remember the unexpected kindness of strangers?

Isn’t it the case that, the older we get, the more likely we are to draw something from that account and share it with others while we still can?  Unlike monetary bank accounts, withdrawing a memory doesn’t mean you lose it; instead, you are keeping it alive.

I have always appreciated listening to peoples’ stories and keen to know what those experiences have taught them about life.  I add them to my storehouse of significant experiences, even though they did not happen to me.  Learning from the memoires of others is like investing in a communal “mutual fund.”  Sharing stories with family, long-time friends, and in spiritual communities is like having shares in “Mutual Memory Funds” from which we all benefit.

As years go on, our ability to access memories in our own personal account may diminish, which is all the more reason to claim them while we can.

Our “Inner Savings Accounts” and “Mutual Memory Funds” are lifetime investments that don’t get lost in shipwrecks, wildfires, floods or fluctuations in the stock market. They are “high yield accounts.”   They live with us and with those with whom we share them.  I no longer have that umbrella, but what it means to me will never be lost.


[i] My notes tell me this is attributable to the writer and world traveler Emily Hahn.