We talk a lot out about how people hate talking about money here at The Money Manual (don’t worry, the irony isn’t lost on us).

Well, the specifics of it are pretty frightening. EMoney, a financial planning software company, conducted a study on this topic, and had some pretty interesting findings.

Per the survey, 57% of U.S. adults avoid talking about their personal finances with friends. 43% feel stressed or embarrassed talking about their personal finances. A whopping 20% say that they never talk about money. Ever.

And here is what people hate talking about the most when it comes to money:

• Their bank account balance (34%)
• Salary (22%)
• Credit card debt (18%)
• Retirement savings (9%)
• Investment choices (9%)
• Student loans (8%)

Here are some more interesting findings:

We’ve said it before, and we’ll say it again, talking about money is important. The first step of getting out of this pattern is admitting you have a problem. The next step? Take a minute today to break this taboo. Tell a close friend how much you make. Have an honest conversation with your partner about money. Talk about your 401(k) with a few people you’ll trust. Trust us, you’ll get something from the conversation.

Feature Image: Twenty20