No hope.

Weird thing to say. If you were looking purely for financial advice, that’s one thing. But if you have no hope, then I don’t see the point in having good finances.

if it all goes to hell then does it matter?

Again, weird thing to say.

Of course, this is no stupid questions, so you can ask whatever you want. But imo, we need a lot more context to help you, and your actual problem has little to do with where you live