Mercury can't physically affect your phone, money, or meetings - that's an astronomical fact. The planet is millions of kilometers away, and its gravitational impact on Earth is negligible. "Retrograde" is basically an illusion: from our perspective, the planet appears to move backward because of the difference in orbital speeds, but it doesn't actually change its behavior physically. There's no astrophysical mechanism at work here.
But coincidences are coincidences, and they happen. When you find out Mercury is in retrograde, your brain starts noticing the negative stuff way more carefully. Your phone drops - you remember it. A meeting gets rescheduled - you blame the planets. But the normal days when everything went smoothly, you don't connect them to anything. Plus, people actually break their phones, lose money, and reschedule meetings all the time regardless of where Mercury is. It's just life, not astrology.
If believing in retrograde helps you pay more attention to details or handle setbacks more calmly - that works psychologically, and there's nothing wrong with that. But you shouldn't rely on it as an explanation or excuse for unexpected situations. Better to just have a backup plan for important stuff than to wait for the planets to be in a favorable position.