Crying over Money
The Weight of Financial Worries
Recently, I’ve been reading a lot about financial literacy and it always comes down to this one thing; how much money do you need to be happy?
Lying in bed, staring at the ceiling, your mind's racing about bills, debt, and making ends meet. On the other hand, you might be one of the lucky few who make a decent living, but it’s still just an endless rat race to keep increasing your income. Is it possible for us to escape from these thoughts?
Money can be an intense source of stress that pushes us to our breaking point. The kind of stress that eventually squeezes tears out of us, whether we like it or not. You could be a tough blue-collar worker coming back from a tiring day or a nurse who’s been running around all day, but the stress of money is the thing that we all share.
When we start to think about money, it feels like we’re the only ones suffering. We scroll through social media and see all these influencers with sponsorships, free products, and a million luxury items. It’s easy to get lost in those feelings.
Take a minute to breathe.
(I truly want you to close your eyes for just 5 seconds, and take a deep breath. Forget about everything else, just exist for a bit, then come back.)
In reality, we’re all carrying the same burden. Those influencers who live a lifestyle you dream about are going through the same things as you. They worry about money too. You’re only seeing what they want you to see to get you to watch their videos. Who actually knows if they’re truly living the lives that they’re portraying?
Putting Money into Perspective.
Now, let's zoom out for a second.
I ran across an interesting statistic when doom-scrolling the other day.
“ If you earn $60,000 a year after tax and you don’t have kids, you’re in the richest 1 percent of the world’s population.”
That was insane to me. If you do the math, we have roughly 8 billion people in the world. If you take 1% of that, there are 80 million people who are in that top 1% with you. On the other hand, that means there are 7.92 billion people in the world who are living with less than $60,000 a year. Now, with that statistic in mind, hear me out.
We live life and push through day by day just to survive. We try to make all this money and chase after a higher salary, a better job, and we keep going until we’re 65 when we can retire. (Unless you’re trying to retire early with the whole FIRE movement, good for you!) What are you going to do when you get that all that money? We say that money makes us happy, but how much money makes you happy?
Let’s say that you’re in that top 1%. If you make $60,000 a year, are you happy? You’re doing better off than 99% of the people in the world. Isn’t that reason enough to feel grateful for where you are at the moment?
If you’re not happy at $60,000 a year, think about switching places with someone who isn’t in that top 1%. What drives their happiness? Would their newfound wealth make them happy? Were they already happy before? This number that we chase, this goal of wealth, is so subjective that we often get caught up trying to live someone else’s life.
Sure, money solves a lot of our problems. That’s for granted. Instead, think about how much you truly need. There’s no way that the rest of the world is unhappy just because they’re not in the top 1%.
Did you know that about 9% of the world's population – that's like 700 million people – are living in extreme poverty? That's less than $2.15 a day. It's heartbreaking, and it really puts things in perspective, doesn't it?
Tears of Relief: When Financial Stress Lifts
Those statistics and thoughts help us feel more grateful for what we have. Despite all that, it’s still true that our finances will still cause us stress. We still have to think about all our expenditures and budget for the month. When those thoughts come through, think about the times where you became a tiny bit more financially stable.
Maybe you were unemployed and searching for a job, and after months of searching, you finally got a job offer. Maybe you had mountains of student or credit card debt to pay off and you finally did. Those are some of the best feelings in the world, aren’t they? You might have cried a few tears of relief, knowing that you finally had a source of income again. It’s golden. Those tears are an acknowledgment of the struggles that you went through. Better yet, those tears provide that beautiful feeling of release and peace that you wanted for so long.
Celebrate it! Enjoy your wins, big or small, because those moments of happiness are what we truly live for in life.
Finding Peace in the Struggle
Here's what I want you to remember. Whether you're shedding tears of frustration over bills or crying with relief because you finally have some breathing room, it's all valid. Your feelings about money are real and important. Crying isn't weakness – it's a release, a way to process these intense emotions.
And if you're struggling right now, please know you're not alone. There's no shame in reaching out for help, whether that's to a friend, a financial advisor, or a mental health professional. Sometimes, just talking about it can lift some of that weight off your shoulders.
Remember, your worth isn't defined by your bank account. You're much more than a number. And while money stress is real and valid, don't let it overshadow the beautiful, complex, amazing person you are.
So next time you feel those money-stress tears coming on, let them flow. Have a good cry if you need to. Then take a deep breath, remind yourself of your strength, and keep moving forward.