The Problem: We Don’t Talk About It
You could tell your friend about your weird rash. Or your break-up. Or that you accidentally watched 8 hours of YouTube in a row.
But debt? Suddenly your vocal cords collapse.
We’ve been trained to treat money like religion or sex: whispered, shame-loaded, or completely avoided.
So How Do You Talk About It?
First, know this: You don't have to explain your debt to anyone. But if you're choosing to speak, here's what helps:
- 💬 Start small. “I’ve been working on some financial stuff lately.” That’s it. You’re not on trial.
- 📍 Be selective. Not every friend gets full access. Choose people who respond, not react.
- 🧠 Don’t lead with shame. “I feel so stupid for…” is a trap. Try: “I’m figuring this out.”
- 💡 Let them know what you need. Advice? Support? Just a nod? Most people won’t guess right.
What If They Judge You?
Then congratulations — you’ve identified someone whose opinion should matter less.
Debt doesn't make you unworthy of kindness. And anyone who uses your vulnerability to boost their own ego? That’s not support. That’s performance.
Sample Scripts (Yes, Really)
- To a partner: “Can we set time to talk about our finances? There’s stuff I’ve been avoiding out of fear, not disrespect.”
- To a close friend: “I’m working through some debt stuff and could use someone to talk to. No fixing — just listening.”
- To a family member: “I don’t need a bailout. Just your support while I rebuild.”
These aren't magic spells. They're bridges. Build one. Cross when ready.
You Deserve Connection, Not Perfection
Talking about debt won't erase it. But it will shrink the monster.
Let people meet you where you really are — not where your credit score pretends you are.