Money conversation 
starters guide
A practical guide to talking about what money really means to you

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Anxiety

First of all, congratulations for recognising a money emotion that strikes a chord with you. Take a look at these statements to see some of the thoughts or feelings that can often show up with this emotion:

  • 'Thinking about money makes my chest feel tight'
  • 'I procrastinate on financial decisions because they overwhelm me'
  • 'I can't enjoy what I have because I'm always worried about the future'
  • 'I worry about being able to afford the same things as my friends and having to say no to invites'
  • 'Money conversations make me want to change the subject immediately'

These prompts are designed to help you start conversations about money emotions that matter, with clarity, honesty, and without shame. It’s worth noting that these prompts are just to help you get started, and there may be other points that you want to ask and raise – this is up to you, and whatever you feel comfortable sharing.

You can use them in conversations with a partner or loved ones, or simply as journal prompts for personal reflection.

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In conversation with a partner or loved one:

  • 'Talking about money makes me anxious, so I avoid it, but I know that makes things worse. Can we create a low-pressure way to talk regularly?'
  • 'I feel anxious even when things are going well financially. Can you help me reality-check my worries?'
  • 'My anxiety shows up as [spending/not spending/micromanaging]. I'm working on it, but I need your support.'
  • 'I get anxious when we have different money priorities. Can we find a middle ground that works for both of us?'
  • 'Thinking about retirement makes me so anxious I avoid it completely. Can we break this down into smaller, less overwhelming steps?'
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Solo reflection:

  • 'When does money anxiety show up for me, and what am I really worried about underneath?'
  • 'What's one small thing I could do today that would make me feel 5% less anxious about money?'
  • 'Am I avoiding something because of anxiety, or because it's genuinely not important right now?'
  • 'What would a financial plan that actually calms my anxiety look like?'
  • 'If I couldn't feel anxious about money for one day, how would I approach it differently?'