Hello there and Happy Tuesday, I'm Emilia David, filling in for your regular host Diamond Naga Siu this week. 

As an elder millennial living in one of the most expensive cities in the world, I often worry about money. I'm not alone in feeling uncertain about finances, either.

Insider's Juliana Kaplan explored how millennials and Gen Z found themselves financially scarred by the pandemic and how younger people got stuck in a cycle of spending, saving, and (of course) debt. 

Talking about money is hard, especially since different generations have different ideas about when financial independence starts.