At Ascend, we believe financial health begins with open conversations about money,and we hope you’ll celebrate Talk Money Day with us on November 8. This day encourages everyone to break the stigma around discussing personal finances, creating opportunities for deeper understanding, smarter decisions, and improved financial well-being.

Let’s explore why talking about money matters — and how Ascend can help you start these important conversations.

Why We Avoid Talking About Money
Despite its importance, money is often seen as a taboo topic of conversation. Many people feel uncomfortable or stressed when discussing finances. Some avoid these conversations altogether — whether with a spouse, family, or friends — out of fear of judgment or misunderstanding. But staying silent can lead to financial mismanagement, unmet goals, and stress that affects relationships and well-being.

By talking about money openly, you can better understand your financial habits, share goals with loved ones, and build a healthier relationship with your finances.

The Benefits of Money Conversations

Strengthen Relationships

Money is one of the biggest causes of tension in relationships. Regular conversations about budgeting, saving, and spending help families align their goals and reduce conflict. To start, consider scheduling monthly check-ins with your partner to discuss the household budget, savings plans, or long-term investments. It helps build trust and keeps both parties on the same page.

Teach Financial Literacy at Home

Open financial conversations with children lay the groundwork for their future success. Kids learn by watching how you manage your finances. Talking openly about saving, budgeting, or credit teaches them financial responsibility early. To start, consider involving your children when planning a savings goal, like budgeting for a family vacation. This gives them practical experience in managing money.

Boost Confidence and Financial Awareness

Discussing finances with trusted friends, financial advisors, or colleagues builds confidence. It helps normalize conversations about budgets, loans, or investments, empowering you to ask questions and make informed decisions.

At Ascend, our team is always ready to assist with financial guidance, whether it’s through one-on-one counseling or free financial education tools available to our members.

How Ascend Can Help You Start the Conversation

Financial Counseling: Need help starting those money conversations? Our certified Credit Union Financial Counselors are here to guide you through budgeting, debt management, and savings strategies. Schedule an appointment today.

Youth Accounts:Ascend Youth Accounts help foster healthy money habits across generations. It’s never too early — or too late — to talk about money.

Member Education Resources: Through our financial advice blog, we provide up-to-date tips and tools to empower you to make sound financial decisions. From managing credit to planning for retirement, we’ve got you covered.

Having open conversations about money is an important step on your financial wellness journey. Let’s make November 8 a day to speak up, learn, and grow — because talking about money is the first step to taking control of it.

Ready to start your financial journey? Our team is here to help. Visit your nearest Ascend branch or give us a call at 800-342-3086 today!