Let’s talk money: One small conversation at a time

Every November, for the past 15 years, the financial empowerment community, on behalf of the Financial Consumer Agency of Canada (FCAC), discusses various money themes. It’s an opportunity to slow down, reflect on our financial habits, learn something new, and delve into an area of life that often feels like a secret we’re all keeping—even though it benefits us to talk about it. That’s why the theme for this year’s campaign is simple: Talk Money. 

Talking about money isn’t always easy. It’s tied to stress, shame, goals, dreams, and daily responsibilities. Many of us grew up believing that it is a topic we should not freely discuss. But when we open up about money, we often learn something new. Even a brief conversation with a friend about our grocery budget, or chatting about our tax refund with a family member can go a long way. 

When we start having these difficult conversations, we realize we are not alone. Someone else might be unsure about how to create a budget. Another person might be trying to understand their credit score. Someone might be wondering how to start saving when money already feels tight. Conversations help people feel less alone and often lead to action and a stronger sense of community.  

Why talking about money matters 

Money plays a crucial role in almost every part of life. Talking about money helps:

· Reduce stress by finding solutions for everyday problems 

· Understand what’s working and what isn’t 

· Discover tools or supports you may not know about 

· Build confidence through knowledge sharing 

· See that you’re not alone 

There may be times when you don’t have all the answers. Conversations can be a great starting point for learning. 

Helpful tools to start your money conversations 

If you want to talk more about money this month or even support someone else who is trying to learn, there are many resources available. These resources are easy to use, trustworthy, and designed to help answer every day financial questions. Visit our partner sites below to talk about money today: 
 
Use FCAC’s dashboard to see how your financial situation compares to others across the country. 

Get free tools to help you budget, plan, and manage debt from Money Mentors 

Planning for retirement, education, and short-term goals? Find out which saving plan is the one for you using Autorité des marchés financiers’s resource. 

If investing feels complicated, CIRO offers simple definitions and OSC’s investing charts help breaks it down. 

If you’re looking for help from a professional, like a financial advisor or planner, FSRA’s guidance can help you figure out your options. 

Coast Capital’s “Talk Money to Me” game is a great way for couples to have difficult money conversations at home. 

Keeping the conversation going 

Financial Literacy Month reminds us that no one has to figure out money alone. It is not about having all the answers—it’s about starting where you are and taking a step towards building financial confidence over time. Although talking about money can feel vulnerable, it opens the door to information and a valuable support system. If we can make those conversations easier through useful and trustworthy tools, then we can help each other feel more prepared for the financial decisions ahead. By sharing resources and encouraging open discussions, we make financial learning feel accessible to everyone.