There’s nothing “personal” about your finances unless you’re single and completely independent. If you’re married, living with a partner or have children, your financial moves affect everyone in your family and vice versa. Silence kills when it comes to money and family. Talk to your spouse or partner about money issues. And whether it’s bill-paying, check balancing, budgeting, or long-term planning, be sure that each person understands their own role, Involve your kids early and show them that money is about choices.