Money talks at the table: navigating family finances during the holidays
Make room for leftovers and honest money talks this holiday season
The holidays in Hawaii are all about connection: sharing meals, stories, and time with loved ones. But as families gather, money conversations often sneak into the mix. Whether it’s planning a group trip to the neighbor islands or figuring out how to split the cost of gifts, finances can be a sensitive topic.
Rather than avoiding the subject, this season can be a chance to talk story about shared financial goals. Tanyalea Jones Cornel, HawaiiUSA Federal Credit Union’s Kapolei Branch Manager and a Certified Credit Union Financial Counselor (CCUFC), offers ways to keep those conversations thoughtful and stress-free.
Choose the Right Moment
Don’t bring up money mid-meal or during a karaoke session. Look for quiet moments—maybe a morning coffee or sunset walk—where everyone feels relaxed.
Lead with Empathy
Start with your own experiences. “I’ve been thinking about how we can make next year’s family trip more affordable …” is a lot easier to hear than “We need to talk about how much you’re spending.”
Focus on Shared Values
Whether it’s helping keiki save for college or supporting kupuna with rising costs, frame the conversation around what matters most to your family.
Create New Traditions
Consider special experiences that don’t cost money, or a potluck-style gift exchange where everyone contributes quality, not quantity. These small shifts can ease financial pressure and bring people closer.
Know When to Pause
If emotions run high, it’s okay to take a break. Suggest revisiting the topic in the new year when everyone’s had time to reflect.
Money talks don’t have to be awkward. With a little intention, they can strengthen family bonds and set the stage for a financially healthy 2026.
Get in touch with a HawaiiUSA expert today.
hawaiiusafcu.com
808.534.4300
