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

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Gratitude

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:

  • 'I feel thankful for the financial stability I have'
  • 'I appreciate the people who taught me good money habits'
  • 'I'm grateful I don't have to worry about money the way I used to'
  • 'I feel lucky to be in the position I'm in'

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:

  • 'I'm genuinely grateful for how we handle money together. I don't say that enough.'
  • 'I feel grateful for the financial life we've built. Can we take a moment to appreciate it before planning the next thing?'
  • 'I'm grateful that you [supported me/taught me/believed in me] when it came to money. Thank you.'
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Solo reflection:

  • 'What part of my financial life am I genuinely grateful for today?'
  • 'Who helped me get to where I am financially, and have I told them?'
  • 'What financial lesson am I most grateful I learned?'
  • 'If I approached money from a place of gratitude instead of fear, what would change?'
  • 'What do I have that I might be taking for granted?'