Jordan Lyons Jordan Lyons

The Silent Crisis: Youth Are Falling Through the Cracks

The youth crisis is a silent epidemic. As young people struggle with financial instability, lack of opportunities, and declining mental health, they are being left behind by a broken system. In this blog, we explain why today’s youth are struggling and how financial education is the key to turning things around. Read now to learn how to navigate the economic challenges and secure a better future!

We are currently in the midst of multiple crises housing, opioid addiction, and mental health. However, one crisis that isn’t being talked about enough is the youth crisis. Right now, young people are falling through the cracks as the economy crumbles, leaving their futures uncertain.

Having worked across three different systems the youth criminal justice system, the child welfare system, and most evidently, the education system. I have seen firsthand the struggles that young people are facing, and the reality is devastating.

The Impact of COVID-19 on Youth

The youth crisis didn’t appear overnight it has been brewing for years, but it intensified with the impact of COVID-19. Many young people today are struggling with passion, dreams, determination, and most importantly, self-respect.

During my time working in high schools, I witnessed students with immense potential throwing away opportunities by skipping class, disrespecting those trying to help them, and ultimately, showing little concern for their futures. However, the issue runs much deeper than just disengaged youth. Even those who are trying to do everything “right” are struggling to build a stable future.

The Financial Reality for Today’s Youth

For years, young people have been told to follow a certain path:

  1. Go to university.

  2. Get a degree.

  3. Find a stable job.

Yet, even those who follow this advice are barely staying afloat. The reality is that starting salaries for young professionals today range between $40,000–$100,000 per year, but with the rising cost of living, this is nowhere near enough.

  • Rent or mortgage payments now consume 40–60% of an individual’s wages.

  • Car payments, insurance, student loans, and daily living expenses make financial security even more challenging to achieve.

  • Inflation has skyrocketed, making it nearly impossible for young people to build wealth or even think about starting families.

Many older generations criticize today’s youth, claiming they “don’t work hard enough” or “lack grit,” but in reality, young people are working harder than ever they are simply trying to leverage their skills to survive in a system that wasn’t built for them.

The Mental Health Toll on Youth

With financial struggles comes an inevitable impact on mental health. The hopelessness many young people feel about their futures is taking a significant toll, contributing to a decline in well-being. Youth without financial knowledge, parental support, or career guidance often feel like they are drowning, with no clear path forward. The education system isn’t helping either.

The Importance of Financial Education

The key to breaking free from this cycle is financial literacy. Without early knowledge of:

  • Budgeting

  • Investing

  • Living within your means

  • Understanding how financial systems work

it is almost impossible for young people to get ahead. Unfortunately, the education system does not teach these fundamental skills, leaving youth unprepared for real-world financial responsibilities.

Why I Created My Business

Seeing this struggle firsthand is exactly why I started my business to help people on their financial education journey. Whether you’re a complete beginner or someone with some financial knowledge, I am here to help.

I offer free consultations to discuss how you can set yourself up for success in this changing economy. If you want to take control of your financial future, now is the time to start.

Take the First Step Today

Book a free consultation and let’s talk about how you can build financial security and create a financially sustainable future.

Your future starts with knowledge. Let’s break the cycle together.

If you or someone you know is a youth in crisis, it's crucial to reach out for support. Here are some resources available in Canada:

Follow me for more insights on financial literacy, youth empowerment, and economic survival in today’s world.

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Jordan Lyons Jordan Lyons

The Impact of Tariffs | How Do They Affect You and How to Prepare!

https://www.aljazeera.com/economy/2025/3/4/how-will-trumps-tariffs-impact-mexico-and-canadas-exports

 Inflation & tariffs have been a recent concern for all Canadians. In today’s economy, every dollar counts. The cost of essentials like food, housing, fuel, and daily living have skyrocketed, leaving many Canadians struggling to keep up.

   Whether you realize it or not, tariffs impact nearly every aspect of daily life. Although tariffs are being delayed another month, inflation is still on the rise. The Threat of Tariffs still puts pressure on the global economy and leads to uncertainty and pressure on citizens of all countries.

What Are Tariffs & Why Do They Matter?

     A tariff is a tax the government puts on imported goods from other countries. The primary purpose of tariffs is to protect your country's industries by making products from other countries more expensive. While this might sound like a good idea on paper, the reality is more complicated. Many of the products we rely on daily are imported goods. With all of that being said, an important question to ask is: who pays the cost of the tariffs? The citizens of the country imposing the tariffs take the brunt of the financial burden. So, what do tariffs mean for you?

Higher Prices for Everyday Goods

  When tariffs increase the cost of importing goods, everything from groceries to household appliances can become more expensive.

Strain on Small Businesses

  Many Canadian businesses rely on imported materials to produce their products. When tariffs increase costs increase, which leads to businesses having to raise prices or cut jobs.

Less Competition, Higher Prices

 When foreign goods become more expensive due to tariffs, Canadian companies may not feel the pressure to keep their prices competitive. This can lead to Canadian companies having monopolies on industries and driving up profit margins across various industries.

How to Prepare for the Impact of Tariffs

1. Buy Local When Possible

    Supporting Canadian businesses means you’re less reliant on imported goods subject to tariffs. While some items may still be expensive, local alternatives may offer better value in the long run.

2. Adjust Your Budget for Inflation

  With prices rising, now is the time to reassess your budget. Track your spending, reduce non-essentials, and prioritize savings for necessities.

3. Look for Deals & Bulk Buy

   Stocking up on non-perishable items when they’re on sale can save you money in the long term. Also, consider discount stores, thrift shopping, and online deals to stretch your dollar further.

4. Diversify Your Income

     Relying on a single income stream can be risky in times of economic uncertainty. Consider side gigs, freelancing, or investing in skills that can help you earn additional income.

Final Thoughts

Tariffs: A Double-Edged Sword in the Global Economy

  Tariffs serve as both a political and economic tool, shaping international trade dynamics. In the case of the United States, Donald Trump has used tariffs to protect the nation's economy and workers, aiming to bring back productivity and labour to the country. However, for Canada and Mexico, these tariffs are seen as a direct threat to their industries. As the U.S. is the primary trade partner for both nations, these policies undercut their economies and strain international relations.

      This situation risks escalating into a trade war, undermining the principles of NAFTA (North American Free Trade Agreement), which was established in 1994 to promote free trade and economic cooperation. Instead of strengthening partnerships, tariffs push these nations to view each other as competitors rather than allies.

      Ultimately, where this will lead remains uncertain. What is clear, however, is that prices are rising regardless of whether it is due to tariffs or inflation. The combination of increasing costs, potential job losses, and economic uncertainty puts immense pressure on governments, industries, and everyday citizens. Although the implementation of tariffs has been delayed, they remain a looming possibility, and their effects could be significant.

     Now more than ever, being proactive with your finances is crucial. By budgeting wisely, shopping strategically, and diversifying your skills and income streams, you can work to minimize the impact of tariffs and inflation on your daily life. Preparing now means being better equipped to handle whatever comes next in the ever-changing global economy.

What are your thoughts on tariffs and this trade war being brewed? How are you adjusting? Share your thoughts below!

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