Happy New Year! As we dive into another turn around the sun, I’ve made a bit of a resolution. I’m already uncomfortable putting this out there, cause as a society we’re conditioned to not talk about it. Its Money.

Money is a topic that affects every aspect of our lives, yet it's one that we don’t discuss openly. Now, I obviously talk about money all the time, but I talk about the subject, or talk in hypotheticals, or use arbitrary numbers. I don’t actually ever talk about real numbers.

This is the year that I get comfortable talking about MY money. My hope is that by laying it out there, we can get past the stigma and secrecy and just work at managing and growing that money. I hope you’ll join me in shedding these money taboo’s and get over these unwritten norms of society.

Whether its talking about money in our community, or with your family or friends, here are some practical tips and advice on how to navigate money talks:

1. Start with Self-Reflection

Before diving into money discussions with others, take some time for self-reflection. Understand your own financial goals, values, and priorities. What are your short-term and long-term financial aspirations? Knowing your financial objectives will help you communicate your needs and expectations better.

2. Choose the Right Time and Place

Timing matters when it comes to money conversations. Find a comfortable and private setting to discuss financial matters with family, friends, or advisors. Avoid discussing money in emotionally charged situations, as this can lead to unproductive conversations.

3. Be Open and Honest

Honesty is the foundation of effective money talks. Be open about your financial situation, whether it's discussing income, expenses, debts, or savings. Honesty fosters trust and helps create a supportive environment for financial discussions.

4. Listen Actively

Effective communication is a two-way street. When someone else is sharing their financial concerns or advice, listen actively. Pay attention to their perspective and ask questions for clarification if needed. Listening allows you to gain valuable insights and understand different viewpoints.

5. Avoid Judgment

Money can be a sensitive topic, and people have varying financial circumstances. Avoid passing judgment on others' financial choices or situations. Instead, focus on offering support, guidance, and constructive feedback when appropriate.

6. Educate Yourself

Take the initiative to educate yourself about personal finance. Read books, listen to podcasts, and explore reliable online resources. Understanding financial basics will help you feel more confident during money conversations.

7. Practice Empathy

Empathy is essential when discussing money, especially with family or friends facing financial challenges. Put yourself in their shoes and try to understand their feelings and concerns. Your empathy can make a significant difference in their financial journey.

8. Set Clear Boundaries

When discussing money with family or friends, it's crucial to set clear boundaries. Define what topics are off-limits and respect each other's privacy. Establishing boundaries ensures that conversations remain productive and respectful.

9. Seek Professional Advice

Don't hesitate to seek professional advice when needed. Financial advisors, accountants, and other experts can provide valuable insights and guidance tailored to your specific situation. They can help you make informed decisions.

10. Practice Patience and Persistence

Money discussions can be ongoing conversations. Be patient with yourself and others as you navigate financial matters. Some topics may require time and multiple discussions to reach a resolution or make progress.

Talking about money is a skill that improves with practice. By approaching financial conversations with openness, honesty, and empathy, you'll be better equipped to make sound financial decisions and build stronger relationships with those around you. Don't shy away from these discussions; embrace them as opportunities for growth and financial empowerment!

Want to join the movement? Head over to the Clear Eyes App [link] where we’ll share some real numbers and get comfortable talking about our money in a safe, judgement free space <3 We can’t wait to see you.