I would add that a big cultural difference in US from, say, Ukraine is that people avoid talking about money as a plaque. As if it is a bad shameful subject. I

I would add that a big cultural difference in US from, say, Ukraine is that people avoid talking about money as a plaque. As if it is a bad shameful subject. I do not know where it comes from - pride, competitiveness, avoiding jealousy, lack of confidence or extrapolating work policies into personal life. I think people lose a lot because of this. First, they do not let share their struggles with each other. Where I came from people used to complain and exaggerate about their money problems, but nevertheless they share. Without sharing, there is less emotional and practical support from friends and family. Secondly, without talking about money there is less chance to learn and cooperate for successes. If my friend wants to do X and never mentions to me that, I have no chance of telling him what I know about it from my experience or from my other friends experience.