The money talks you can’t outsource

In today’s fast-paced world, nearly everything can be outsourced—from meal planning to investment strategies. But when it comes to the heart of your financial life, there are conversations only you can lead. These talks aren’t just about money—they’re about meaning, values, and legacy. 

Tanya Lee, VP Member Growth Services at HawaiiUSA Federal Credit Union

“Money is just a tool, but how you choose to use it can shape your family’s future,” advises Tanya Lee, VP Member Growth Services at HawaiiUSA Federal Credit Union. “You can spend it on experiences, accumulate possessions, or give in ways that support your values. The difference lies in the conversations you have and the choices they inspire.” 

Start with open conversations 

The foundation of wise financial choices begins with honest, ongoing dialogue. 

• Talk about values, not just money. What does money represent to your family? Security? Freedom? The ability to give back? These conversations help align your financial decisions with your deeper beliefs. 

• Explain your financial goals. Whether it’s saving for retirement, funding education, or giving to causes you care about, share the “why” behind your plans. 

• Discuss the “how.” Talk openly about spending, saving, borrowing, and planning. These are the habits that shape your financial future. 

Model generosity and stewardship 

Children and loved ones learn more from what you do than what you say. 

• Involve them in giving. Let them help choose causes to support or volunteer together as a family. 

• Talk about legacy. What do you want to be remembered for? How can your financial choices reflect that? 

Use tools and professionals—together 

While you can’t outsource the heart of these conversations, you can bring in support to make them more effective. 

• Host family meetings with a financial advisor or estate planner to ensure everyone understands the plan. 

• Use visual tools like family trees, asset maps, or goal charts to make abstract ideas more tangible. 

• Create a family mission statement around money and values. This can serve as a compass for future decisions. 

“The most important money talks aren’t about budgets or spreadsheets—they’re about what matters most to your family. These conversations are deeply personal, and they lay the groundwork for wise, intentional living,” encourages Tanya. 

You can’t outsource your values. You can’t delegate your legacy. But you can start the conversation today. Get in touch with a HawaiiUSA expert.  

hawaiiusafcu.com 

808.534.4300