Even if you’re talking to your BFF (the one you share everything with), things can suddenly get awkward when money enters the chat. Maybe you’re chasing a forgotten payback request, trying to opt out of pricey weekend plans, or feeling weird about always picking up the tab. Talking about finances with friends can feel like a total vibe killer.

But here’s the thing: Avoiding the convo altogether is way worse for your friendships and your wallet.

The good news: There are low-drama, noncringe ways to speak up. We asked nationally recognized money expert Andrea Woroch , who’s appeared on the Today show and Good Morning America , and Bola Sokunbi, certified financial education instructor and author and founder of Clever Girl Finance , to break down exactly how to handle these conv

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