Is Saving Money Now ‘Tone Deaf’? Let’s Talk About It

I keep seeing this comment on personal finance videos: ‘This advice isn’t helpful because some people can’t afford to save.’

Last week, my oven broke. The next day, I bought a new one. I made a TikTok urging people to have an emergency fund, and the comments were wild.

• Emergency funds are a luxury!

• You’re out of touch for recommending SAVINGS in a time like this!

• THE WORLD IS ENDING.

And look—I get it. An emergency fund is a luxury. But it’s also something everyone should have or at least work toward. This constant hair-splitting is exhausting. Since when is saving money a bad thing?

If you’re barely making ends meet, saving might not be an option right now. But that doesn’t make the advice bad. If you can save but haven’t, this video is a reminder. If you can’t yet, it might still be useful for the future. Not every video is for every person. That doesn’t mean you need to have a meltdown in the comments. Just scroll.

My channel is about investing and finance. Some videos will apply to you, some won’t. Should I stop talking about financial literacy just because not everyone is in the same position?

Bottom line: I make content for people who want to learn about money. If that’s you, great! If not, that’s fine too. But acting like financial advice is offensive just because it doesn’t personally apply to you? That’s ridiculous.