Money might be the last socially acceptable taboo.

We talk about relationships, therapy, even gut health over brunch…but ask someone how much they owe on their credit card, and the table goes dead quiet. For many of us, opening up about finances triggers deep discomfort: shame, embarrassment, or fear of being judged.

Here at Campbell Saunders, we truly hear it every day. “I don’t know how I got here.” “I feel like a failure.” “I’ve never talked to anyone about this before.”

We listen. We guide. And often, we remind people of something simple but powerful: you are not alone.

But… Here’s the part we don’t talk about enough: Even people who work in this field struggle with financial vulnerability. Yes, even us!

So if the idea of talking to your loved ones about money makes your stomach twist, don’t worry, take a breath. You’re in good company! And this article is definitely for you.

 

Start by Looking Inward

It’s important to understand your own feelings about money, before having a conversation with someone else about it.

• Identify your own feelings about money

What did money feel like growing up? Maybe it was a source of tension, a tool of control, or something never spoken about at all. Understanding your past will help you understand your current mindset today.

• What is your why? 

Are you trying to start a side hustle, save for a big purchase, or pay off your debt? Knowing what your goals are can help you navigate the conversation.

• Start small

Practice with a low-stakes person. Consider talking to a trusted friend who won’t judge you. You don’t have to dive into the deep-end – try something simple like “I’m trying to manage my money better – do you mind if I bounce some ideas off you?

Where and When

Because money is such a personal and often emotional topic, when and where you have the conversation matters. Choose a calm, private setting where you won’t be interrupted. Avoid bringing it up in the middle of a stressful moment or heated situation. The goal is to create space for a thoughtful, productive conversation, not to add more tension.

Be Honest and Open

Let’s be real…this part can feel uncomfortable. But it’s also one of the most powerful steps you can take. When you lead with honesty, you set the tone for a more open, judgment-free conversation.

You don’t need to share every detail or financial document. Just speaking your truth, clearly and calmly, is enough to break the silence and invite connection.

Try opening with something like:

• “I’ve been feeling a lot of anxiety around money lately, and I’m trying to be more open about it instead of keeping it all in.”
• “I’m really focused on paying off my student loans right now, so I’ve been cutting back. Just wanted to share in case it seems like I’m doing things differently.”
• “Money was always a stressful topic in my family growing up, and I’m working on shifting that as an adult.”

Being vulnerable doesn’t make you weak, it shows strength and self-awareness. And often, when you’re honest about your own experience, it gives others permission to do the same.

Frame The Conversation Around Solutions, Not Blame

Whether you’re setting a boundary, asking for some advice, or sharing your situation, try to focus on a positive outcome.

Setting your boundaries: 

Instead of saying, “I can’t afford to go on that trip” try something like “That trip sounds awesome! But my budget is super tight for the next little while, because I am working on paying down some debt. I’d love to plan something that is more budget-friendly though.

Asking for support: 

Instead of, “I’m terrible with money, what should I do?” you can say, “I am really trying to be more intentional with my spending. Do you have any budgeting tips that have worked for you?”

Offering support (when appropriate): 

Instead of leading with “You’ve always been bad with money”, keep the statements less emotional and more open-ended. “I found this great app for budgeting, if you’re ever interested, I could share it with you.”

What Happens When We Avoid Money Conversations

When we keep quiet about our financial situations, the silence usually makes things harder. Financial stress doesn’t go away on its own; it often grows. Maybe a credit card balance keeps building with high interest rates, or a savings account sits empty because financial goals were never set. Avoiding the conversation can quietly affect daily life, from spending habits to long term quality of life.

The truth is, many of us carry financial worry in private. Without discussing money, it’s harder to build financial literacy or take steps toward financial planning. Even something as simple as sharing that you’re working to manage your money better can open the door to solutions and support. And if the stress feels heavy, a financial advisor or trusted professional can help you create a plan for money management and personal finances.

Tips to Start Bringing It Up

• Connect it to your goals. Instead of focusing only on debt or bills, frame the conversation around financial goals like saving for a trip or building a stronger emergency fund.
• Keep it simple. Start small: “I’m trying to be more mindful of my spending habits. Have you ever used a budget app?”
• Be honest about the stress. Sharing that you’ve been feeling financial worry helps normalize the topic and invites support.
• Use your own experience. Talk about something concrete like a recent bank account check-in, a change in your savings account, or cutting back on spending.
• Focus on learning. Mention you’re working on financial literacy and money management. This can shift the tone from shame to growth.

The first step in discussing money doesn’t have to be perfect—it just has to begin. When you bring personal finances into the open, you not only relieve some of the financial stress but also create a stronger foundation for financial planning and long term peace of mind.

 

Final Thoughts

Talking about money is rarely easy. It can feel awkward and emotional, especially if you grew up in an environment where finances were a source of stress or silence. But staying quiet only keeps us stuck.

The truth is, money conversations don’t signal weakness, they truly do show courage. This of being honest about your financial reality is a form of self-care. It’s how we begin to break the cycle of shame and isolation so many of us carry.

No… one conversation won’t solve everything, but it’s a powerful first step. These talks don’t have to be perfect, just honest and intentional. The more you open up, the lighter the burden becomes, and the easier it is to move forward with clarity and confidence.

If I could speak to my younger self, I’d say the same thing I often tell clients nervously reaching out for the first time: Your finances don’t define your worth!!

They’re just one piece of your story. So take a breath. Start small. Be honest.

And most importantly… just begin.

 

If financial stress is weighing on you, a consumer proposal may be the next best step. Our team at Campbell Saunders can help you manage your money, understand your financial situation, and create a plan that supports your long term goals.

Book a free consultation today and start building confidence in your personal finances.