“When you are in uncertainty, when you feel at risk, when you feel exposed, don’t tap out. Stay brave, stay uncomfortable, stay in the cringy moment, lean into the hard conversation, and keep leading.” ~Brené Brown
When you think of someone who’s struggling financially, you might picture someone who’s barely making ends meet, living paycheck to paycheck, just getting by. But money trouble doesn’t always look like that.
I was struggling even though it didn’t seem that way. I had a six-figure salary. I owned a home in one of the most expensive cities in the world, having bought a half-million-dollar property in my late twenties. From the outside, I had it all.
But a year into homeownership, my partner backed out of our financial agreement, leaving me to manage everything alone. Then COVID-19 hit. The government responded to the national deficit by doubling mortgage rates. Suddenly, nearly every penny I earned went toward my skyrocketing payments, insurance, maintenance fees, and property taxes. Selling my home at the right time became an anxiety-inducing gamble.
That’s the thing about financial struggles—they look different for everyone. And at some point in our lives, most of us will experience them.
During those years, the weight of my financial burden crushed dreams I hadn’t even had the chance to imagine. Along with my dreams, my mental and physical well-being and vitality were exchanged with mere survival.
Well-meaning family and friends tried to offer support, but their words often missed the mark. Telling me to “trust the universe” or “just stay positive“ only made me feel more isolated, like I wasn’t truly understood. I struggled to explain why my financial hardships felt like a barrier to my dreams, why I couldn’t simply shake them off and believe everything would work out.
While I did make it through my financial struggles, I have reflected on this period of my life. Maybe easy was never an option, but did it all have to be so hard? I also realized there’s a massive gap between the complex challenges and struggles that can arise from prolonged financial struggles and the solutions, support, and advice that we receive from others in combating them.
What Not to Say to Someone Struggling Financially
“The struggle will end when you learn your lesson.”
This idea—that struggles repeat until we find meaning in them—might be comforting in some situations, but it doesn’t apply to financial hardship. The idea that I was somehow failing to learn my “lesson” only added to my stress.
The truth is, sometimes life throws challenges at us that have no lesson attached. Some things just happen. Our job isn’t to decipher a hidden message—it’s to keep moving forward, however we can.
“You’re strong; you can handle it.”
While meant as encouragement, this statement often feels dismissive. Financial stress is relentless, affecting not just the big picture but the daily grind of survival. Instead of pushing someone to be strong, ask how you can lighten their load. Let them vent. Acknowledge their exhaustion. Strength isn’t the absence of struggle—it’s surviving in spite of it. And even strong people need a break.
“Money is just energy—align yourself with abundance.”
A positive mindset is valuable, but financial hardship isn’t a spiritual failing. People don’t struggle because they’re “out of alignment” with abundance; they struggle because of real-life expenses, job markets, and economic systems. No amount of positive thinking can pay the mortgage.
“When something changes inside you, your external world will reflect it.”
After years of financial struggle, I had no aha moment, no inner transformation or miracle, or even a slight mindset shift before my financial circumstances changed. The only thing that counted was my consistent preparation, planning, and execution of all the logistical tasks that were completed over a very long period of time. In my case, it was hard work that paid off. There was no magical moment of liberation.
“Just work on your passion after your day job.”
When you’re financially drowning, exhaustion is constant. My job required intense mental energy. Coming home and using the same cognitive muscle to work on passion projects was nearly impossible. It’s like telling a personal trainer to do intense workouts morning, noon, and night—they’ll burn out or get injured. Sometimes, survival means setting dreams aside until you can pursue them without harming yourself.
What Actually Helps
Love through Listening
As someone who has gone through a period of financial struggle, it is even impossible for me not to bring my bias, experience, and perspective into the conversation when someone shares their struggles with me. The key is to remind ourselves that we are not an expert on somebody else’s life. They are, but we can be powerful listeners. It is in our listening that we express love.
Get Into the Specifics
One of the most helpful things I experienced was having real conversations about my financial situation. Talking through an overwhelmingly large number of concerns helped me gain clarity and relief. If you want to support someone struggling, ask about their specific plans and course of action. It will help them declutter their mind and ground themselves in something they can actually control.
Provide Resources
Support doesn’t have to be financial. Helping someone find a reputable accountant, connect with another homeowner, or compare mortgage rates were all incredibly useful for me. A friend once helped me break down different bank rates and calculate my options—a simple act that made a huge difference. Another friend helped me with repairs and paints. They helped move the plan along.
Help with Decision Fatigue
Financial struggles come with endless decisions—which bills to pay first, whether to downsize, how to negotiate better rates. The questions are endless. Having someone to talk through those choices with can be a game-changer.
Remind Them of Their Leadership
One piece of advice that truly stayed with me came from Brené Brown:
“When you are in uncertainty, when you feel at risk, when you feel exposed, don’t tap out. Stay brave, stay uncomfortable, stay in the cringy moment, lean into the hard conversation, and keep leading.”
At a time when I felt anything but a leader—let alone a good one—these words resonated deeply. They didn’t focus on what should have been or could have been, but on what was: a whole lot of discomfort. My job wasn’t to crumble under pressure or lose my footing with every new challenge. It was to keep leading—myself and everyone involved—through the uncertainty, no matter how difficult it felt. That was my only job.
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My financial struggles are now behind me—something I once thought was impossible. If you’re struggling, know that you are not alone. The weight of it may feel unbearable, but the leader inside you, the people who shoulder the journey with you, and a benevolent force greater than you can see will carry you through. As I recently read, “The horrors will persist, but so will you.”
About Kate Pejman
Kate Pejman is an engineer, climate change advocate, and the creator of The Benevolent Series. Through candid interviews and personal stories, she explores life at the intersection of authenticity, relationships, and freedom—examining both what we lose and what we gain in the process. You can find her at thebenevolentseries.com and on Instagram here.
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