The Simple Habit That Reduces Money Stress

Talking about money can feel awkward or even impolite, but new research suggests it may be one of the simplest ways to ease financial anxiety.

According to a recent study published in Organizational Behavior and Human Decision Processes, people who discuss their finances regularly report stronger feelings of control — and less financial stress. The research, led by Emily Garbinsky of Cornell University and colleagues from the University of San Francisco and the University of California San Diego, found that repeated “financial disclosures” such as honest money conversations or online discussions consistently reduce anxiety.

The key is consistency. One-time talks aren’t enough, but regular conversations about money can make a lasting difference, especially when they focus on what people can control, like budgeting, spending, and saving.

Cultural norms have long discouraged money talk, but attitudes are shifting. From new salary transparency laws to online communities like Reddit’s r/PersonalFinance, more people are sharing experiences, asking questions, and learning from others.

Even etiquette experts now agree that it’s okay to discuss money — tactfully. For example, “I’m looking to understand salary ranges in my field” is more polite (and productive) than directly asking someone’s income.

Whether through social media, online forums, or private conversations, talking about money helps people confront financial realities, gain perspective, and reduce anxiety. The bottom line: open communication is a powerful step toward financial confidence and control.