The Daily Grind with Matt Clarke

From Blue Book to Perplexity

Written by Matt Clarke | May 21, 2026

It was his financial bible. The "Blue Book". Securely kept in the secretary desk (drop front) in the living room, it's where my father kept track of the family's finances. With carefully pencil sketched columns for every category of expense and specific items they were saving for, every dollar had a place and was handwritten into the proper location and then re-totaled. He would reconcile the blue book to the actual bank statements when they would arrive and passbook savings ledgers from the bank. That's how I learned personal finance. Basically a spreadsheet without a computer..... because there were no computers.

I tried to manage my own blue book for a while, but by the time I had enough money to even buy my own notebook and pencils, the personal computer was a thing. I figured out that I could create my own ledger system in Lotus 123, and then turbo charge it in Excel a few years later when it came out. I haven't balanced a checkbook since (I honestly don't know where I would find one these days).

So, I had to laugh at my initial reaction being confusion when my son took my beautifully engineered excel spreadsheet and loaded it into Perplexity to do his budget work. What? You don't want to do it MY way? It just didn't make sense. MY way has worked for decades. It's solid, proven if you just follow the process, it's fool proof.... and...... it's old school. What he revealed to me was far more appealing, intuitive, fast and told him a narrative about his finances, not just the numbers. Tomorrow requires different thinking than yesterday.

 

"And no one puts new wine into old wineskins. For the old skins would burst from the pressure, spilling the wine and ruining the skins. New wine is stored in new wineskins so that both are preserved." (Matthew 9:17) 

I was in a meeting recently where the team was trying to square peg a round hole. They had new technology in their hands and were attempting to jamb yesterday's process into it. Like typing on your cell phone with oven mitts. It just wasn't going to work, and if they did figure it out eventually, what's the use of bringing in new technology? Old School is good when it comes to principles and desired outcomes, but it gets in the way when it comes to process and methods.

I've come to realize that if I don't learn to think differently, I'm dangerously close to being the subject of a Progressive commercial. I've become my parents! While detachment from the way I know to do it may cause me to want to drink some old wine, it's necessary. We have some new winemakers at our disposal and we need to equip them with new wineskins.

That was the point Jesus was trying to make. Your old rules, laws and process may have governed you for centuries, let me show you a better way. It’s not about your old school methods, but a new way and a new life. What used to take a lifetime of process you can now have in an instant. Just trust and follow me.

From Blue Book to Perplexity. What used to take hours, now happens in milliseconds. What used to be an event, now just is. While it's important to not lose appreciation for the principles and character of old wine skins, it's equally important to accept that they will break if we force new wine into them.