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Relationships & Money

3 Minute Read

It's Important to Talk About Money, Even When It's Hard

3 Minute Read

Some of the most difficult conversations you’ll ever have will probably involve money. For example, consider these statements:

"Honey, you’ve been spending too much money on golf lately. You need to cut back because it’s not fitting in our budget."

"Dad, I know you’ll be retiring soon, so how prepared are you for that?"

"Ben, I know you’re my brother, but you haven’t paid me back for the last two times I loaned you money. I love you, but I’m not giving you money again."

Ouch. Those are probably going to be difficult discussions, right? But even though they’re difficult, those money conversations are absolutely necessary.

But even though they’re difficult, those money conversations are absolutely necessary.

In my upcoming book Love Your Life, Not Theirs, I discuss the seven money habits you need to live the life you want. One of them is simply this: Talk about money, even when it’s hard.

What should you do when . . .

Your husband won’t stay in the budget? Talk about it.

Your parents aren’t prepared to live a comfortable retirement? Talk about it.

Your brother won’t stop asking you for money? Talk about it.

No more money fights! Get on the same page with your money!

Yes, it won’t be easy. You may even have "words" or shed a few tears. But, ultimately, it’s one of the habits you have to practice to have a healthy relationship with money.

When you’re having a difficult discussion, remember that you can’t control the other person’s response. You shouldn’t be mean or insulting—just firm and reasonable. After that, the situation is out of your hands. If they get offended or their feelings get hurt, you shouldn’t feel guilty.

Believe me, I understand there are a lot of questions about this topic and many "but what about this" situations to consider. That’s why I devoted two chapters in Love Your Life, Not Theirs to talking about money, even when it’s hard. And that’s why you should make it a habit.

If you’re tired of keeping up with the Joneses and ready to begin practicing money habits that will change your life, then Love Your Life, Not Theirs is the perfect book for you. 



Rachel Cruze is a seasoned communicator and #1 best-selling author, helping Americans learn the proper ways to handle money and stay out of debt. Her upcoming book, Love Your Life, Not Theirs, will release in October. You can follow Rachel on Twitter at @RachelCruze, online at, or at