The Confidence Paycheck: How to Talk About Money Without Cringing

Money talk has a reputation for being awkward — the verbal equivalent of stepping on a Lego. But the truth is, confidence around money isn’t about having more of it. It’s about learning to speak about it — clearly, calmly, and without the shame or fear we’ve been taught to carry.

Start Small (and Safe)

If talking numbers makes you sweat, start in low-stakes settings. Split bills with friends, talk about budgeting tips, or share how you track expenses. Treat money like any other life topic — because it is. The more you practice, the less taboo it feels.

Reframe the “Ask”

Whether it’s a raise, a freelance rate, or a project fee, remember: negotiation isn’t confrontation. You’re not demanding — you’re aligning value. Research what’s fair, state your number confidently, then stop talking. Silence after the ask isn’t awkward; it’s power.

Drop the Apology Tone

Women especially are taught to soften financial conversations — “Sorry, but could we maybe…” No. Replace sorry with thank you for considering or based on my experience. Assertiveness isn’t rudeness — it’s clarity.