Who Has the Right to Talk About Money?

Who Has the Right to Talk About Money?

Everyone who earns it, spends it, and uses it should be able to talk about it, share experiences, ask questions, and debate openly, shouldn’t they? Yet money is often framed as serious business. We are told we should listen only to experts. But who are these experts? Billionaires? Financial advisers? Bank clerks? And what, exactly, makes someone an expert on money?

I believe a distinction is needed here, one that separates the institutional from the personal.

A financial adviser can help you make sound decisions at the institutional level. That is their profession. They understand systems, products, regulations, and risk models. But when it comes to money on a personal level, where do we go?

If I have a health problem, I see a GP. If I have an emotional struggle, I speak to a friend or a family member. But what if I carry deep, unresolved issues around money itself? Fear. Shame. Guilt. Conflict. Where do I take that?

There are countless problems that arise when money becomes entangled with emotion, with fear, doubt, greed, anger, or love. An accountant may explain how divorce or inheritance should work on paper, yet human behaviour rarely follows neat formulas. When jealousy, resentment, or ignorance enter the room, the spreadsheet becomes useless.

The personal handling of money resembles an oral tradition, almost a fairy tale. We imagine ourselves as the virtuous character who will one day stumble upon a pot of gold. But for most people, the reality of this journey looks very different.

A lack of money can break families apart or push individuals toward homelessness and addiction. Abundance, when unmanaged, can do the same. Families with plenty often fail to settle differences peacefully, allowing greed, fear, and rivalry to dominate. Why is money so often the leading cause of failed relationships, friendships, partnerships, and professional collaborations?

Perhaps because we do not talk about it.

Money remains a taboo. Wanting more is often frowned upon, as if desire itself were a moral flaw.

Yet if we wish to mend some of the broken promises within our societies, we must be able to speak freely about money. When a subject is taboo, it acquires a secretive, untouchable quality. People cannot relate to what they are not allowed to question. And when they cannot relate, they remain stuck, often in quiet poverty.

So how do we begin engaging with money differently?

First, we must acknowledge what we desire. Second, based on our sense of self-worth, we decide what we believe we deserve. Too often, these two are painfully out of alignment.

A personal philosophy of money and wealth can help bridge that gap. But it must be built from the ground up. It begins with asking questions, the kind this article opens with. Questions that allow us to stand neither ashamed nor entitled.

A lack of money does not make anyone lesser. An abundance of wealth does not make anyone superior. We must see ourselves as a blank page, untainted by money’s symbols and judgments.

Only then can we place money outside our personal value and begin to see it clearly, not as something to fear or worship, but as something to earn with intention. Money is the by-product of contribution, to society, to the marketplace, to the economy.

Our earning potential, our ability to keep money, and our capacity to grow it are deeply shaped by our personal financial philosophy.

What is yours?

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