Kana Cummings got into personal finance in 2020, when “the world was kind of crumbling”, she said. It was her junior year of college, and some students had organised a personal finance workshop to help quell anxieties during the coronavirus panic.“It was such an inescapable time,” said Cummings, 26. “I think people were like, ‘We really need to be thinking about these things kind of early.’”