T alking about money is almost always awkward—especially when it’s with a romantic partner. Perhaps that’s why so many people avoid it, sometimes for decades into their married lives. “Money is a huge source of shame,” says Brad Klontz, a financial psychologist and author of books including Start Thinking Rich: 21 Harsh Truths to Take You From Broke to Financial Freedom . “If you were to ask me about my net worth, or how big my 401(k) is, or what percentage of my income I’m saving or investing,