Hey Reader -

If you've been quietly asking the same question, don't worry, you are not alone

The world does feel chaotic — climate change, inequality, wars, rising prices, political unrest—it can seem almost pointless or even selfish to care about money. But here’s the thing: caring about money isn’t about greed or blind optimism. It’s about agency.

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Here’s why money still matters—even when everything feels like it’s falling apart:

1. Money Gives You Options

In a crisis—natural disaster, job loss, political instability—having money saved or being financially secure can mean the difference between surviving and thriving. It lets you move, pivot, or protect your family. When things fall apart, your choices shrink. Money helps you keep your choices.

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2. It Helps You Take Care of Others

When you’re financially okay, you can help others who aren’t. Whether it’s donating, volunteering without worrying about your bills, or housing someone in need — money expands your ability to be generous and show up.

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3. You Can Fund the Change You Want to See

Feeling helpless about the planet? Systemic injustice? Money can help you back causes, fund solutions, support ethical businesses, or start your own. Organized money is power. If you are feeling helpless with what's happening in the world, now might be the time to find a local organization to support.

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4. You Can Build a Life with Resilience

When things are uncertain, the goal isn’t just to “get rich.” It’s to build resilience: having an emergency fund, multiple income streams, low debt, and the mental freedom that comes with stability.

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5. It’s Mental Health, Too

Financial stress is a leading cause of anxiety and depression. Even small steps—budgeting, saving, learning—can quiet some of the noise and help you feel more grounded and capable, even when the world isn’t. Reducing financial anxiety helps you become a better parent, friend, or sibling, and that positive effect can carry through the generations.

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I get it, though. As an elder millennial who has seen her share of chaos and bad news, it can be easy to give up and not care, but I don't want that for you. I want you to be financially stable and independent sooner, rather than later.

Money isn’t the solution to everything. But it’s a tool—a shield, a lever, a light switch. In a world that feels out of control, getting a handle on your finances can be an act of quiet resistance, protection, and hope.

If you’re overwhelmed, start small. Care for your little corner. Build your safety net. Teach someone else. Log off.

In this week's video, I share 9 money lessons I wish I knew at 18. I hope you'll give it a listen and share your thoughts in the comments.

X Catherine

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This Week's New Video I share 9 foundational money lessons every young adult should know to build financial independence and feel confident about their financial future. Watch Video

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