Ramit Sethi: Avoid These 5 Phrases in Your Money Conversations

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Financial literacy is crucial to avoiding money problems and staying on top of your personal finances.

However, many Americans dont seem comfortable talking about money at all,according to an Empower survey.

Its critical to not reduce the importance of money in your life.

Just doing something wont contribute to building a financially secure life for yourself.

While budgeting may be helpful for some, it can be stressful and overwhelming for others.

It might be best to leave this word out of money conversations altogether.

Consider starting with lighter topics as a segue into such a serious money issue as credit card debt.

It can seem less accusatory and help make the conversation more comfortable for all parties.

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