Romanian survey shows shame blocks open discussions about money

A recent XTB‑commissioned survey of Romanian adults reveals that 57 % avoid talking about personal finances, citing shame or fear of judgment. The reluctance is strongest among young people, with 33 % of those aged 18‑24 and 30 % of those 25‑34 reporting frequent avoidance, while only 7 % of respondents over 56 do so. Women are also more likely than men to shy away from money talks (22 % vs 14 %). The study links this financial silence to poorer decision‑making, such as delayed savings, unnecessary debt and missed investment opportunities.

Experts stress that open communication and transparency are essential for healthy financial relationships, whether between partners or within families. Strategies include establishing a joint budget, clearly dividing financial responsibilities, regularly reviewing debts, and fostering an environment where both partners can discuss income, expenses and goals without fear of criticism. XTB provides free educational resources to help Romanians build financial literacy and break the cycle of shame.

By promoting candid dialogue about money, the survey suggests that many Romanians could improve both personal well‑being and overall economic stability.