“If you find yourself enacting this "nothing matters, so why bother" attitude toward money, first, you need to recognize that, as a human being, you have agency and you have value. YYou can do things and make choices, and you are worth something - as a worker, as a customer, as a friend and partner. And you know what you can do with agency and value? You can negotiate. So start there, whether it's getting a late fee knocked off a bill or asking for a big honkin' raise. Do the thing because you can do the thing.”