It's not easy to talk about money.

For most people, it's usually the big elephant in the room that you'd rather not mention. And, when you do need to bring up the topic of money, there's always this pressure to be polite about it.

Money is a necessity. We don't like talking about money, but we know that it's an important part of our lives. So, to start the conversation, we asked a couple of friends what their first reaction was to the word ‘money’. For this particular blog, we decided to focus on what 20-year-olds thought.

Chris is in his mid-twenties and lives with his partner. For him, the first thing that pops into his head is expenses. He's the type of guy that would rather sort out all of the expenses he needed first so he could breathe easy. From there, he then focuses on making his money grow, putting aside money for events such as birthdays or BBQs, and spending for himself.

Mark, on the other hand, thinks about savings. He lives in a flat with other people and has a decent paying job. Interestingly enough, he said that he'd rather set aside money for future holiday trips rather than a house. Given how expensive houses are in some parts of the country, he said that he has already given up on the idea of owning a home. For him, renting is a reality he has already accepted.

Christie and Veronica basically said the same thing when asked what their first reaction was when it came to money: shoes. They just want to buy shoes, clothes, and have a good time.

Kate has a completely different view. She has an IT job that pays a good salary.  However, she thinks that no matter how hard she works, she'll never have enough money. In the end, she thinks humans are always wired to want more and more.

People react in very different ways when it comes to money. And from these reactions come actions. Understanding these reactions and how these affect the actions that we make can help us make better decisions when it comes to our money.