I will present the connection between the Wheeler-DeWitt approach for two-dimensional quantum gravity and holography, focusing in the case of Liouville theory coupled to c = 1 matter. The analysis is in a spirit similar to the recent studies of Jackiw-Teitelboim gravity. Matrix quantum mechanics and the associated double scaled fermionic field theory, are providing the complete dynamics of such two-dimensional universes with c=1 matter, including the effects of topology change.