The White Walkers are making their way to Westeros—and the main houses don’t seem to care! I can’t help but think about what will become of them and everyone trying to destroy them. As I anxiously await the impending battle, I’ve had a chance to reflect on my own money journey.

Intrigued? Read on to find out how worrying about the fate of White Walkers helped me come to grips with my money mindset.

Kill worry at the source

It’s natural to be concerned about your financial situation. If you’re in debt, you’re probably thinking about what you need to cut back on to pay it off sooner. Or when you’re learning about retirement accounts, you might feel like you have no clue what you’re doing.

I’ve been there. When I had credit card debt in my 20s, I was so worried about paying it off that I wasn’t sure whether I would ever get out of debt.

Here’s the thing: White Walkers are hella scary. You’ve no doubt seen what they’ve done to humans who’ve tried to fight them. Think about the many sons Craster has sacrificed. However, worrying isn’t going to get you free from debt, and you definitely shouldn’t sacrifice your family members!

Instead, you should consider what is at the source of your worry when it comes to your money concerns. It’s a little like realizing that stopping White Walkers at the source—aka kill the Night King or at least the wight leaders—will win the day.

That’s not to say you won’t ever have problems again.

A healthy mindset means looking at the triggers and dealing with them, not just the symptoms. In credit card debt? Figure out why you feel the need to go crazy on Target runs. Can’t seem to save money? Figure out why you get FOMO. Getting to the source will help alleviate some of that stress and you can work on getting to a better place financially.

Your negative thoughts will stay with you

Just because the wall has kept White Walkers from coming through doesn’t mean it’ll last forever. There is an army of these creatures who are literally ready to wipe out everyone. And can you blame the men of the Night’s Watch’s utter frustration? I mean, the rulers of the Seven Kingdoms are too busy bickering to truly understand that the Walkers are going to bring a long night, starting with Westeros.

Thinking about different issues with your money can be frustrating. It may be easier to look at student loans while ignoring credit card debt. But just because you resolved one issue, another will almost certainly come along. That’s just life.

The point is that managing your thoughts about money isn’t black and white. There will almost certainly be voices in your head telling you something won’t work. Don’t let your fears get the best of you. Avoiding these feelings isn’t going to help, but acknowledging them will. Whenever you make any changes towards financial wellness, you’ll feel resistance. The point is to recognize your emotions for what they are—your ego trying to protect you—and move on to taking the necessary actions.

No matter how prepared you are, things happen

Was anyone else devastated when Daenerys Targaryen’s baby (aka dragon) Viserion was killed and resurrected by the Night King to become a part of the White Walker army?  

While it does seem a bit epic that the now White Walker dragon is named after Daenerys’ brother, Viserys, this forced betrayal can’t feel good. We all thought Daenerys and her babies were going to kick butt and take names through the series, but alas, it wasn’t meant to be. Sadly, some of your favorite GoT characters will now have to find a way to battle an ice dragon.

The point is, nobody is invincible, not even dragons.

You must work to prepare for all situations, no matter how unexpected. An emergency fund will help when your car unexpectedly needs repairs or there’s a leak in your roof. And when you least expect it, maybe you’ll receive good news, like a job promotion or a holiday bonus.

The wall was built to keep White Walkers out, but the reality is that no one really knew if it would keep them away forever. So these lingering negative thoughts and situations will happen but preparing for them is what matters.

Never underestimate the power of community

If anything, it’s the Night’s Watch that shows you that if people work together, great things can happen.

It was Sam who discovered how to kill White Walkers using dragonglass.

It was Beric Dondarrion who made the observation that if they killed the White King, then they could kill off the White Walkers.

It was Daenerys who agreed to let Jon Snow mine for dragonglass in order to have a chance of defeating the White Walkers.

What I’m getting at here is you need to surround yourself with people who will help support each other in their financial life. It could be friends you can confide in about your money concerns. It could even be products and tools like budgeting apps to help automate your savings. All of these are useful because the road to financial wellness can be long and hard.

Jon Snow can’t defeat the White Walkers himself. He knows the power of community and useful tools. So please, don’t do it all alone. You’d be surprised at how many people and tools are on your side, rallying for your success.

Sarah Li Cain is an experienced content marketing writer specializing in FinTech, credit, loans, personal finance, alternative investments, international business, travel and k12 education. Her work has appeared in Fortune 500 companies, publications and startups such as Lending Tree, Vistaprint,, Pearson Teachability. She’s also the host of Beyond The Dollar, whose mission is to have deep and honest conversations about how money affects our well-being.

Disclaimer: While the author of this post is a fan of Game of Thrones, John Hancock Personal Financial Services and the Twine platform are not affiliated with or sponsored/endorsed by HBO, George R. R. Martin, the television program Game of Thrones, or the A Song of Ice and Fire book series.

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