Climate finance is a topic that has showered upon COP27 in Egypt on the 20th November 2022 bringing out a new term called "loss and damage". Since, both these terms are quite new and are pressing topics that need urgent attention, researchers and scientists are being asked to dive into research with regards to agreements and disagreements around climate finance. This research will aid governments and other stakeholders to make faster and clearer decisions on "loss and damage" funds. This is, however,  a challenge between rich and poor nations. This means that the rich countries will have to contribute to the fund to assist the poor countries during their climate crisis. The “loss and damage fund” is an action taken to help combat those in the climate crisis as a result of human-induced actions that have harmed or destroyed our natural environment. The question lies - if climate change is happening right now, are we going to wait for COP28 for the government to act? or can we gather in our local communities to take action against the climate crisis? It is now or never, we need to take action on climate change today!