How Patience Changed My Life Forever
We all know how patience can pay off in investing and saving for retirement. For this longtime Kiplinger contributor, patience also led him to the love of his life. It all started with a watermelon…


An East Coast university journalism professor — “Cynthia” — phoned and had a unique request. “Dennis, I use your articles in my classes. Both I and my students want to know more about your personal life, and especially about your paralegal, Anne. Who is she, really? Finally, what one aspect of your personality has been the most important for your professional success and happiness?”
I can answer that question in one word: patience. Knowing when to be patient can pay off in an all aspects of life, not just romance. Just look at some of the Kiplinger articles that note the importance of patience in investing and other issues:
- Investors Nearing Retirement Show Patience With Markets
- Caring for Aging Parents Takes Planning Ahead and Patience
- Investment Patience is a Virtue
- Patience Pays for Investing Decisions
And those are just examples where “patience” made it into the headline. Scores of other articles note the importance of patience when building wealth and coping with the ups and downs of the markets. For me, patience paid off in a life-changing way.

Sign up for Kiplinger’s Free E-Newsletters
Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail.
Profit and prosper with the best of expert advice - straight to your e-mail.
Let me take you back in time to August 1969, shortly before I began law school at Loyola (Los Angeles), when I met Anne — who was a legal secretary and “the new roommate” of several Chinese students from Hong Kong. She, like thousands, were sent out of the British colony by their families in 1967 when there was real fear that China would invade.
“Dennis, you just have to meet Anne. You will be blown away by her command of English. She is beautiful and so intelligent,” I was told. So, with intelligence at the top of my dating criteria, I went to her apartment, was invited in by her roommates, and when Anne came in a short time later from work — as it was summer and hot — I said, “Let’s buy a watermelon!”
You’ve got to picture that exchange. Here, within seconds of meeting this guy, she hears an off-the-wall suggestion, but we drove to a nearby market and returned to her apartment with a watermelon.
To this day, I still remember how sweet it was.
Years earlier, as a foreign correspondent in Seoul, I interviewed soldiers from the San Fernando Valley for radio station KGIL. While traveling in Asia, I was smitten by the intelligence, beauty and kindness of the women I met.
Friends only
Law school leaves little time for dating, but we met for coffee occasionally and had wonderful conversations during one of which Anne established ground rules for our relationship: “Dennis, my family in Hong Kong is very traditional and has made it clear that I can be friends with American men, but nothing romantic, nothing ever romantic.”
I respected that Anne would honor her parents’ wishes. Our relationship would remain in the land of friendship, handshakes and nothing more.
Advice from a law school friend: Be patient!
After a while, being in this handshake relationship began to wear on me. I wanted to pursue a romantic relationship with her because I found her to be so delightful. And so, I spoke to a friend at Loyola: “Bruce, I have a deep friendship with this truly wonderful Chinese gal, but her parents do not want her to have a romantic relationship with a non-Chinese guy. I am conflicted, don’t know if it will ever change and wondering if I should politely end things.”
“Dennis,” Bruce replied, “Don’t give up. Maybe she feels the same way. Be patient.”
After law school, I joined the staff of the Kern County District Attorney’s Office and had many dates, but Anne was always on my mind.
Shortly thereafter, she moved to Vancouver, Canada. We wrote letters to each other. I cherished those letters, her handwriting, her amazingly beautiful — almost poetic — descriptions of her life. Our letter writing and an occasional phone call continued for years, and in one, she asked, “Are you married?”
“No!” I replied. “And you, Anne?”
“No,” was her encouraging answer, followed by, “I’ll be visiting a friend in L.A. Let’s get together.”
When the car door opened, everything changed
We went out for a bite, returned to her friend’s home, and as I was opening the driver’s door to escort her to the front door, Anne pulled me toward her for our first kiss!
I had fallen in love with her, and what I wanted all of these many years was a real, loving relationship. And now that was possible.
You are probably wondering, as I did then, What changed?
One of her sisters married an American, and her parents just loved the guy. That opened the door after six years of handshakes, six years of honoring Anne’s respect for her parents’ wishes, six years in which a wonderful friendship formed the basis of our marriage in 1976.
Our son, and his wife, who is from Nagoya, Japan, reside in Hong Kong and have given us the love of our lives, our 7-year-old grandson, Kai.
Every summer for all of these wonderful 47 years, when we go to a supermarket to buy a watermelon, we both stop, look at each other and remember.
Dennis Beaver practices law in Bakersfield, Calif., and welcomes comments and questions from readers, which may be faxed to (661) 323-7993, or e-mailed to Lagombeaver1@gmail.com. And be sure to visit dennisbeaver.com.
Get Kiplinger Today newsletter — free
Profit and prosper with the best of Kiplinger's advice on investing, taxes, retirement, personal finance and much more. Delivered daily. Enter your email in the box and click Sign Me Up.
After attending Loyola University School of Law, H. Dennis Beaver joined California's Kern County District Attorney's Office, where he established a Consumer Fraud section. He is in the general practice of law and writes a syndicated newspaper column, "You and the Law." Through his column, he offers readers in need of down-to-earth advice his help free of charge. "I know it sounds corny, but I just love to be able to use my education and experience to help, simply to help. When a reader contacts me, it is a gift."
-
Stock Market Today: Nasdaq Shines In Volatile Session
It was another up-and-down day for stocks as market participants weighed encouraging inflation data against the latest tariff headlines.
By Karee Venema Published
-
Don’t Make These Five Mistakes on Your Tax Return
Tax Filing The IRS warns taxpayers to watch out for these common errors as they prepare to file.
By Gabriella Cruz-Martínez Published
-
This Underused IRA Option Offers Tax Benefits and Income Security
Looking to avoid running out of money in retirement? Consider longevity protection provided by a QLAC as a component of your retirement income plan.
By Jerry Golden, Investment Adviser Representative Published
-
These Four Books Explore How to Leverage Our Outrage Positively
The authors offer some powerful tools to help us find solutions to discord rather than remaining silent or blowing up in anger.
By H. Dennis Beaver, Esq. Published
-
Financial Pitfalls to Avoid in Your 30s, 40s and 50s
As you pass through each decade of working life and build wealth for retirement, watch out for the financial traps that can hinder your progress.
By Julia Pham, CFP®, AIF®, CDFA® Published
-
Five Key Retirement Challenges (and How to Face Them Head On)
Life will inevitably throw challenges at you as you get older. But making a flexible retirement plan — and monitoring it regularly — can help you overcome them.
By Walt West Published
-
Four Action Items for Federal Employees With $2M+ Saved
If you can't stand the chaos, maybe you can walk off into the sunset of retirement. Here are some thoughts on how to figure out if that would work for you.
By Evan T. Beach, CFP®, AWMA® Published
-
How to Help Accelerate Support for Women's Equality
International Women's Day was earlier this month, and the theme this year is Accelerate Action. Here's how we can all pitch in to help drive gender parity.
By Marguerita M. Cheng, CFP® & RICP® Published
-
How Tariffs Could Impact Affluent Retirees
The wealthier you are, the less price increases on groceries and cars will hurt you, but if markets dive or we enter a recession, that's a different story.
By Evan T. Beach, CFP®, AWMA® Published
-
How to Help Shield Your Retirement From Inflation
Picking the right investments at the right time can help ensure inflation won't flatten your retirement savings. Here are some tips.
By Steven C. Siegel, ASA, MAAA Published