When we spoke about talking to the family about personal finance, a few reader mails came up asking how to make those conversations and implement good financial habits. It is tough to talk about money and to keep others engaged in the topic, they said. In the modern household both the man and the woman bring in the money, but the man makes the money decisions, some complained. Here is a list to consider, for both, even if it somewhat leans on the man, given the general tendency in many household. Let’s keep the conversation going.